milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2016 about Credit card () with DISCOVER BANK (VA).
Issue: Billing disputes

Complaint: Discover credit pulled a bait and switch on me as a consumer. I received a balance transfer offer to get 0 % Apr to pay down my balance in full ; giving me until XXXX 2017. They are continuing to charge exorbitant fees, making it difficult for me to pay off the balance. When I wrote to them stating how difficult they have made things for me, they stated, " Paying down the complete statement each month avoids the charges ''. 

First off, I understand paying down the statement avoids charges. XXXX does not know me. If he did he would understand that the company I used to work for ( XXXX XXXX ) never paid me for the XXXX I turned in -- we 're talking about three years of XXXX. I have filed a complaint with the Dept of Labor about the company, and it has gone nowhere because the USA seems to allow criminals to go free. I am a XXXX XXXX who should have earned a nice living on the project that I was hired to do. Since I have n't been paid, the only source of my pay comes from a small XXXX check. This makes it exceedingly difficult to pay down my debts ... which I want to do!!!! 
I wrote to Discover Credit : " You deliberately did not answer my question. Your company has violated the agreement of allowing a 0 % Apr until XXXX for me, a XXXX American, to catch up my bills. Your answer was emotionally disconnected, and bourgeoisie, but I suppose that 's how you wish your company to be viewed. No. I do not agree with stealing. I will not allow you to steal from me. I am filing a complaint about your company with the FTC ( CFPB ), and will not be paying on this bill or having anything more to do with your shady, lying, thieving, company! 

This complaint is being filed because Discover Credit broke the terms of the agreement, and have charged such exorbitant charges on my account, bringing the balance to a high amount. I received the 0 % Apr offer thinking this was a XXXX that could get my debt to credit ratio down. They do this to low income people to steal their hard earned money and make them think they can FINALLY pay off their debts. I am trying very hard to get out of the debt hole that credit fees, and shady, dishonest people/companies have deliberately made for me. It is a financial hardship to go through this. It IS a bait and switch tactic that Discover Credit pulled and it needs to be reported to the CFPB agency. I told Discover that they are thieves and liars and cause unneeded stress in my life with their shenanigans. I will not be paying any more statements until they revert to the 0 % Apr agreement that was sent to me. They also had no business keeping an unlawful XXXX charge ( I sent back the item over a month ago -- I DO N'T have it!!! ). Their company is designed to run people into debt and needs to be audited for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2015 about Debt collection (Credit card) with Rubin & Debski, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debski and Associates acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus Debski and Associates were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. Debski failed to cease collections and filed suit in small claims court violating Federal Law. 

The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXX the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. 

In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. 

Debski and Associates having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX XXXX Florida Small Claims Case XXXX.

Company response to consumer: Untimely response
Consumer complaint received 08/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: To Whom it concerns, I have followed all channels to return a product that was not what I ordered and feel as a consumer there should be a layer of protection when using a credit card. 
Here is the process : 1. I called XXXX XXXX XXXX to verify the return location prior to shipping the boxes 2. I labeled the packages according to the XXXX response on the phone-which happened to be the same return address on their shipping label when I received my order. 
3. I returned the items as they were not correct and a paired used - I was not selling any bullion back to them. 
4. They received the boxes with a signature confirmation from XXXX employee Manager XXXX XXXX 5. There is also XXXX tracking report that states all boxes moved normally threw the XXXX system with out any issues. 
6. There was also a XXXX investigation that XXXX XXXX has on file. 
I was simply returning a product that was not what I ordered in the first place. As a consumer, I used all the return tools that are available XXXX tracking and XXXX signature confirmation. XXXX received all XXXX boxes in good order stated by XXXX investigation ( sent report to XXXX on file ). In speaking to XXXX, I was informed that when packages go threw their hubs, they are reweighed several times. We are talking about XXXX boxes each weighing XXXX pounds. There was no damage and all boxes had correct weights which was recorded by transfer station employees and the driver. I have tried to contact XXXX at XXXX several times via email and phone asking for updates and any current reports and I have not heard back. The signature confirmation is proof that they received the items and the XXXX investigation is additional proof that it was delivered in good order. Its nonsense that XXXX is stating all XXXX boxes were empty after receiving them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Last ReportedXXXX XXXX, 2015Collection AgencyXXXXOriginal CreditorXXXX XXXX XXXX XXXX CHECKINGStatusOpenOpened DateXXXX XXXX, 2015Closed Date -- ResponsibilityIndividualBalance $ XXXX Balance $ XXXX for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On my credit report it states that I owe more than what 's actually owed. I called the debit collection agency they stated that they just rounded the debit off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received notice from XXXX XXXX that my credit score went down because of a closed account. Upon research I discovered this was a result of Bank of America cancelling one of my credit cards. I contacted Bank of America and they explained it was cancelled due to none use. 

I explained to them that I had that credit card since XXXX and had to request a new one in XXXX that had a chip and could be used world wide since we travel over seas and the old card would not work over there. At that time the Bank of America associate told me to go ahead and keep the old card in case I needed it or if something happened to the new since there was no fee or cost to keep it open ( That was XXXX years ago ). 

I further explained that if I could get a credit increase on the new card equivalent to what I lost with the old card that may restore my credit score and rating. The situation is this, 1 ) I retired early in my XXXX 's and no longer have an income. 2 ) I am able to live off my saving until I reach XXXX at which time I will receive social security and will be able to also access my IRA retirement accounts. 3 ) They are unwilling to state whether I could get approval for credit increase since I do n't have a income. 4 ) They ca n't state if they make a credit inquiry whether it would be soft or hard request. 5 ) If it gets denied then my credit score could be adversely effected even more by the denial and subsequent hard request action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (UT).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX year old female who was attempting to apply for refinancing my home. Quicken Loans would not progress with the application until I provided the names of any ex husband as well as the dates I was married to them. I claimed sexual discrimination explaining that the last marriage was 27 years ago. They would not proceed until the information was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i am a victim of identity theft. My XXXX/XXXX credit card that was opened on XX/XX/XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I am disputing a recurring charge from XXXX ( Experian ). I only signed up for a trial. It was not made clear that this would be a recurring charge. I have requested a review of the account. It is clear I have not logged on or used the service since the initial trial period. Experian is taking advantage of fine print and taking advantage of consumers. Please help stop this predatory practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Good day. I sent XXXX XXXX XXXX a debt validation letter requesting validation of the debt, and give them notice that the debt was not mind. They failed to respond back to my three requests for validation. NOW XXXX is reporting this on my credit files without giving me any notice of the alleged debt. I received 8 phone calls this week from XXXX, threating me of taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: XXXX XXXX solicits the public to sign-up for its XXXX XXXX Citi credit card by offering the flying public several perks.including among them the right to have XXXX Boarding when purchasing a ticket. That is being able to board before the general public and therefore to have more time to relax and prepare for your flight. In the past XXXX months XXXX has failed XXXX to honor this advertised perk for my wife and I.. Their most recent response to me today was : 'The number of customers previously included in XXXX was simply becoming unmanagible. '' If this is their position why are they allowed to keep advertising this perk to the public as an inducement to accept their card. No goodwill adjustment has been offered to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was approved for XXXX private loans between XX/XX/XXXX and XX/XX/XXXX. The loans totaled just under {$50000.00}. I now owe almost {$100000.00} on for them despite having made almost continual payments since my college graduation in XX/XX/XXXX. These loans were serviced first by XXXX XXXX and then by Navient from XX/XX/XXXX to XX/XX/XXXX, at which point I was able to consolidate them with a move reasonable company. During those 9 years, the loan servicers were incredibly unforgiving of any personal or financial hardship I experienced. During my mother 's illness and death I was unable to work as I was caring for my mother. XXXX XXXX was unable to put me on any sort of payment plan other than the full amount, which forced me to defer my loans which increased the total amount owed significantly. Following that, they were unwilling to enroll me in any possible payment plans, frequently telling me there were no plans available for my loans. The debt of these private loans has prohibited me from buying a home, traveling, and experiencing other typical life events, despite working XXXX-XXXX jobs at all times to pay them back. I currently pay more in student loan payments each month than I do in rent in XXXX. 

The most alarming part is that I should never have been given these loans in the first place. I had no established credit at the time. Now, as an adult, I do n't understand how I was even allowed to be given these loans. I make a lot more money and have significantly better credit now and can not receive a loan of that size. I understand that the CFPB is sueing Navient and cases such as mine have been included. Would my loans fall under this lawsuit as well?

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IN).
Issue: Other transaction problem

Complaint: I have an account with Coinbase.com and I once made a XXXX dollar order for Bitcoin, the order was in virtual transit ; however no later than five days later, I learned that my order was cancelled and Coinbase would no longer allow me to make purchases, deposit, withdraw, or sell any of my assets. This particular issue has been solved by Coinbase support, but on the other hand - they have failed to reinstate the bank account I had on my account so I could make larger investments ; I have waited about an hour and a half so far as I am typing this complaint to speak with a customer representative who could be working with me to solve this issue. As I do n't see a resolution on the horizon anytime soon with their phone support, or support system on their website, I would hope something could be done just to simply reinstate my formerly linked bank account onto my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid monthly installment this morning on line and received text to contact them this afternoon to collect same debt. Number given was XXXX. Rep I talked to admitted eh could see that payment had ben made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection on my account for XXXX that was opened XXXX 2016 and closed XXXX 2016 in my name. I called XXXX directly because I have never been a customer or client of XXXX my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me! Where I live currently is where I have lives since XXXX 2016! XXXX cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report! There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do! I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am XXXX XXXX XXXX and these kinds of things can hurt my clearance and currently hindering my credit from home buying. XXXX nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of XXXX! It is reporting as a collection! I have never received a call or anything in the mail about the account! I have attached my apt lease that shows the date I moved in! I provided my light bill with my current address for the dates that cover the time XXXX is saying I occupied another property. I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed. XXXX cable/wifi/internet service is not even available in my area. I use a company called XXXX XXXX. They own right to this location Please help me understand exactly how can they not properly investigate and get the CORRECT information from this company and allow the reporting of it falsely on my account. Thank you so much!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX Case number : XXXX Related Case Number : XXXX xx XXXX xx XXXX Original Creditor xx XXXX XXXX Original Creditor XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX xx XXXX Original Creditor equifax Case number : XXXX Related Case Number : XXXX Case number : XXXX Related Case Number : XXXX XXXX Original Creditor XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with customer service

Complaint: I would just like the bank to keep you guys updated on my bank statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Unsolicited issuance of credit card

Complaint: Gentlemen, I never requested a credit card from Bank of America. When I received it, I called the bank asking them from where they got my Social security #. They could not answer. I asked them to close the account. Today I received a letter from Bank of America with my information - all correct, but my home phone is wrong. I never had this number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation