milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: Let me begin by stating that I am new to digital currency trading. On XXXX XXXX I purchased 1/2 of an XXXX XXXX for {$140.00} and a few minutes later 1/2 of an XXXX for {$140.00} ( see the attached XXXX bank account statement ) I purchased XXXX through XXXX, an online XXXX wallet. The money was not withdrawn from my checking account until XX/XX/XXXX. On XX/XX/XXXX XXXX finally excecuted one of the transactions for {$120.00}. So they must have pocketed the difference between the amount they debited my account and the price of the currency at the time they processed my order. I have read that many people have had the same experience as me, so it does n't appear to be a coincidence. Also, many people are claiming to have a difficult time getting their money out of XXXX. I would like to get the money I invested back. XXXX 's customer service is a robot. So, speaking to a human being is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Making/receiving payments, sending money

Complaint: I set up a payment for my car note and it returned as insuffcient funds to the institution i made my payment for and shows as " paid '' or posted to my bank account. My money is gone and my bill went unpaid!!!! No one know 's where my money is and now my car is up for repossesion!!!! The payment was posted to my account on XXXX XXXX, and said to have returned on XXXX XXXX which makes no sense at all, because i saw it posted to my account on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A woman named XXXX XXXX from Dynamic Recovery Solutions called my husband looking for payment on a charged off credit card in my name from 2004. He informed her that the statue of limitation had run its course and she threatened to ruin his credit if he did not give her my direct phone number. 

I then called the company myself and spoke to a different collector who then told me they would sue me if I did not pay the account in full despite me reciting the statute of limitations and my rights under the FCRA. He then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Debt collection (Medical) with Arbor Professional Solutions, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt has been court ordered 2 be paid by my x Husband which he agreed too in our settlement XXXX/XXXX/XXXX. I have court documents to support this as the XXXX in nature and of which he plead guilty to XXXX/XXXX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: I as victim of both burglary and stolen funds from CapitalOne bank account continue to ask my stolen funds to be back. And suspect XXXX XXXX should get prosecuted to jail. 
Acct : # XXXX Amount : {$79000.00} Interest : 20 % Late fee : {$100.00} each month for 3 years = {$3600.00} Travel Expense : {$120.00} Time spent to collect funds : XXXX hours @ $ XXXX/per hour = {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Student loan (Federal student loan servicing) with American Student Assistance (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: XX/XX/XXXX I rolled my husband 's and my student loans in to a consolidation with promises of a 3 % intrest rate with American Student Assistance, that never happened. They made prmises they did not keep. 

On or about XX/XX/XXXX, I requested a forbearance or delay in paying my student loans due to unemplyment and homelessness. I had a XXXX XXXX so I would get my mail. I thought everything was ok and that I got my forbearance. I began working in XX/XX/XXXX, my second paycheck was garnished with no warning. Found out it was American Student Assistance and they started taking a quarter of my wages. Saying my loans were in default. Called them to find out why ... they said the forbearance was denied because I had no phone number I explained I was unemployed and homeless. They said my loans were in default and wages would continue to be garnished. I tried to resolve the issue a couple times stating my wage amounts and what I could afford and did not know what else to do. 

I believe that the loans were never in default. 

Also in the last ten years I have never once received a bill or any statements for amounts they received or took other than my wage stubs and tax lien notification from IRS. They have never sent interest paid amounts for tax purposes. I know they have had my address because I received privacy notices.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The current holder of the student loan provided a XXXX for XX/XX/2016 that showed XXXX interest paid. I calculated the interest from their website and paid {$1000.00} in interest, which their representative acknowledged. When I contacted the lender they advised that they had over-reported my previous tax years interest payments, so they were making an adjustment this year ; therefore, they will not report the XX/XX/2016 interest paid. If their records show I paid more in interest, that means I paid less in premiums so my loan is not being paid down as it should. Two problems : 1 ) I do not get credit for interest paid in XX/XX/2016, and 2 ) by the lender applying a larger percentage of my monthly payments to interest, I am not getting full credit for paying the premium,

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: I deposited a check XXXX XXXX, 2016 at an ATM at Citibank in XXXX CA. The check was my husband 's payroll check and less than {$5000.00}. The bank placed a hold on the check. My checking account was not overdrafted. I have overdraft protection. I have been banking with Citibank over 20 years. On Monday night when I called I asked what had happened and Citibank could not tell me nor would the funds be released. To my knowledge the funds have not been released. When I called on Monday night Citibank told me the check that I deposited had not been sent to them from the branch.

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 09-03-2017 about Debt collection (Other debt) with Absolute Recovery Services, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Please be advised this is my second complaint about Absolute Recovery Services , LLC. As stated in my previous complaint Absolute Recovery Services , LLC is violating the FDCPA by attempting to collect on a debt which is PAST THE STATUE of LIMITATION. The account became delinquent in XX/XX/XXXX and there have been no recorded payments on this account since XX/XX/XXXX. Furthermore the terms of this contract expired on XX/XX/XXXX. In addition this account is not accurate and complete. There is hand writing deleting specific account transactions and hand writing indicating an amount owed different from mathematical calculations generated in the computer. The amounts seem arbitrary and inconsistent. Finally Absolute Recovery Services , LLC is not license and bonded to collect in my state. By continuing to report this account to my consumer credit report and attempts to collect on this account are a violation of the FDCPA. This account is past the statue of limitation, not accurate and complete, and Absolute Recovery Services , LLC is not licensed and bonded to collect in my state.

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 07-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hi, I am unable to receive my credit report online, and this is preventing me from applying to credit cards or viewing reports online. I received the credit report in the mail, with report # XXXX, but even trying to access this report online results in errors. I am unable to upload my verification information online. I have sent via XXXX the same information to Experian, but have received no response. 
When I try to access the report online at the following url ( XXXX, which re-directs to XXXX ), I am still unable to access my online report either through the top option-Access By Report Number, or the bottom option-Access by Personal Information. I am still unable to access my credit report online. I am more than happy to provide the information ( attached to the cfpb dispute ), or via experian.com/upload, but I receive the same error on all sites ( attached as a new attachment ).

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 11-10-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Delinquent account

Complaint: CREDIT REPORTING COMPLAINT AGAISNT CHASE In 2011 we found ourselves buried under a mound of debt and enlisted the services of a debt consolidator. All of our debts were amicably settled accept one, Chase Account # XXXX. 
We did not find out until recently it had not been settled. Chase had sent us a XXXX which we thought closed the account. What we found was that while we received the XXXX Chase continued to show the debt was open and had monthly payments due. We also found that two offers had been made to the third party representing Chase to settle the account but the offers had been refused. All this came up because I needed a loan to replace my heat pump and had no credit. 

I contacted Chase 's customer service and was told the " XXXX was issued as a courtesy to the IRS to inform them Chase was no longer attempting to collect the debt and they still considered it open ''. As I read the XXXX it clearly states " Summary of Form XXXX Cancellation of Debt '', not this is provided as a courtesy to the IRS but is really still open and due. Further Line XXXX says " Amount of debt discharged ''. How can this mean it is still open and due. I contacted Chase 's customer service once again and was given the same story even when I pointed out the XXXX reported the discharged amount as income to me and made it eligible for a tax write-off for Chase. 

At this point I requested to speak to a supervisor. The gentleman was pleasant and understanding but said there was nothing he could do. He offered to have his manager contact me if I would like and I accepted the offer. Late one Saturday afternoon a couple of weeks later I got a call from XXXX who identified himself as the manager, gave me his full name and employee number ( which I did not write down ). After a pleasant conversation he agreed I had a reasonable complaint and checked with his system which showed our debt had in fact been closed. Nothing was open and nothing was due. Yet he could not get this removed from our credit history as it was the responsibility of another group. 

I had reason shortly after this to visit the IRS and while I was there asked about the meaning of the XXXX. I was told it did in fact mean the debt had been discharged and if Chase refused may want to consider contacting the FDIC ( who 's phone number he gave me ). I did and they directed me to you, the Consumer Financial Protection Bureau. The only reason I can see for Chase to refuse to remove this ex-obligation from the credit report is pure and simple spite. By issuing the XXXX they have reported the discharged debt to the IRS as income to me and have provided themselves with a tax write-off if they choose. There seems to be no reason for this to continue to show up as an open debt on the credit report. Am I missing something? 
A copy of the XXXX is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (PR).
Issue: Managing the loan or lease

Complaint: I CA N'T PAY THE DEBT BECAUSE I WAS UNEMPLOYED AND COULD NOT PAY THE DEBT WITH MY UNEMPLOYMENT BENEFITS. I WAS NOT PAID BY TOYOTA MOTOR CORPORATION ( THEY/THEM ) THE RECALL MONIES EITHER AS I WAS TOLD THE CLASSACTION LETTER THAT THEY SENT ME AFTER I CALLED AND WROTE TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loans are managed b y Navient. A year or two ago, I spoke with customer service representatives and I was informed that I would receive at least 30 days notice from Navient should the interest rates on my student loans change. I did not receive any notification, not an email, a letter or any flag on my account when I checked my account online. One loan changed from 5 % to 6.875 %. I believe this is not a transparent way to conduct business. It feels as though Navient hopes consumers would not  notice because the student loan balance is so high. I expect some type of notification whenever my account is changing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, I had XXXX payments returned from XXXX due to circumstances beyond my control. To rectify the issue, I made a {$200.00} ( the payment amount i owed was only {$25.00} ) payment, bringing my balance well below my {$500.00} credit limit. In return, because I had XXXX consecutive payments returned, XXXX suspended my account and blocked me from using my card until I have made XXXX consecutive payments & brought my account back in good standing. At that time, my credit limit was still {$500.00}. On XXXX XXXX, XXXX sent me an email via their website that they had dropped my credit limit to zero and I was still suspended for 90 days and still needed to make XXXX consecutive payments on time. On XXXX XXXX, XXXX, I received notification that my XXXX credit card was reported as " closed ''. I did not close the card. When i contacted XXXX, I was advised that my limit was now {$0.00}, my balance was {$380.00} and that my account was still suspended. I advised them that, because they dropped my limit to {$0.00} for the next 90 days and are reporting it as such, they are negatively affecting my credit report, even when the amount was not true. I advised them that, because i still have a balance with a XXXX credit limit, that they are basically reporting my card as closed and that they need to rectify the issue. They refuse. They stated that they will not fix the issue until XXXX of XXXX. In the meantime, my credit report is still being erroneously being reported with a {$0.00} credit limit and a {$380.00} balance for a suspended, but not closed, account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (I do not know) with Mar Joe Enterprises (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The agency contacted me and did not identify who they were or the call was in reference to a debt collection. The caller asked me to provide my date of birth without even telling me who they were or why they were calling. I informed the caller I would not provide the information until I knew who they were or why they were calling. She stated, " I 'll note you refused to verify and we 'll proceed. '' The caller then hung up. After calling the number back and discovering who they were ( a debt collector ), I realized their " proceed '' meant take legal action. I attempted to speak with another employee at the agency and was again transferred to the same lady who initially called me ( XXXX ). When I asked to speak to a supervisor, XXXX rudely stated that this would be the " last time '' I could speak with anyone, which I assume meant they were " proceeding, '' which further indicates taking legal action. How is it legal to contact someone about a debt owed, not identify who you are, ask for personal, sensitive information, and when one refuses to give out such information, note thy refused to work with you? Why would I willingly give a stranger my date of birth, and how can I be provided the opportunity to pay a debt if I do n't know who is calling me? This company needs to provide their customer service representatives with additional training at the least.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: ONCE AGAIN XXXX XXXX XXXX XXXX XXXX FAILDED TO PROPERLY NOTIFY MY OF EXPIRING BENEFITS, THIS WAS DO TO XXXX XXXX XXXX FAILING TO NOTIFY PROTECTION OF ADDRESS CHANGE AND AS A RESULT SUFFERED LATE PAYMENTS ON MY CREDIT REPORTS.

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 12/19/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (ND).
Issue: Unauthorized transactions or other transaction problem

Complaint: Hi, I have opened a Coinbase account two weeks ago and I have seen a set of odd transactions that either failed or were unclear to me. Furthermore, despite me linking some of my bank accounts with the app, there has been no verification. Same with my ID. They keep asking for pictures of my driver 's license to complete my ID verification, but nothing happens. I have tried since to close the account, with no luck. There is essentially no response coming from coinbase customer support, whether that is on the phone or via email. This is not only unprofessional, but also negligent. Constantly typing in the same information for it just to get rejected is simply not safe. I 'd like coin base to finally be able to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Rewards

Complaint: I tried to use my rewards points on Chase 's website to book travel. The website did not work -- it continued to say that there was an error on the page, even though no error existed. I called Chase XXXX separate times. Each time, I was placed on a long wait and transferred to a " supervisor '' who never answered the phone. The Chase employee with whom I did speak said that the website bug is a known issue and " happens. '' I am unable to redeem my points because the website is broken, and no one assists me on the phone. I speak with one Chase employee who then ostensibly transfers me to someone else, but that person never answers the phone, and I remain on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ). 
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to Transunion as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.

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 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is information on my report that is not mine. I live in XXXX, and have all my life. There are adverse accounts that originate in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Shopping for a loan or lease

Complaint: CAPITAL ONE AUTO MADE A HARD INQUIE ON MY CREDIT WITH OUT MY CONSENT

Company response to consumer: Closed with explanation