milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2015 about Credit card () with SYNCHRONY FINANCIAL (HI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Credit card company called me to inform of suspicious charges. When I called back, they could not verify my identify based on the information I gave. After further research, it was determined that someone had stolen my personal information. That person had called credit card company to report my card stolen and then opened a new account. They also changed the information on my account to include address and phone number. I was also told that they were able to change my mother 's maiden name on the account. How can someone be allowed to change that? It is a fixed value. The company did not raise any red flags that fraud was occurring and this should have been their first clue. I was assured that " rigorous '' security questioning occurs before any changes are made to the account. I placed a passcode on the account to add increased security per the representative. However, when I called back later in the day with additional questions, I was not asked for the passcode to verify my account - only asked my DOB. This is unacceptable security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: So ... ... I received an email yesterday from Navient saying that statement is ready so I took a look as saw that I owe {$500.00} for XX/XX/XXXX and XX/XX/XXXX even though my original state shows that my monthly payment are {$100.00}. The rep tells me that I reapplied for the IBR plan in XX/XX/XXXX and I 'm telling him no I did n't since I applied in XX/XX/XXXX, he said they have a signed application from and I sent them proof of my income which I remember doing but I thought it was from my original application so now my payments has gone up by {$150.00} even though I have an agreed term showing that my payments are set at {$100.00} until the end of 2016 and my income has NOT changes from last year and I get paid once a month. 
I CAN NOT afford {$250.00} a month and if I come off the IBR plan then my payments are {$200.00}, I asked him why the payments are lower off the plan and he said he was using some income table which mean he really does n't know how much my payment will be! I am trying to be a responsible grown up and clean up my credit and debt this year but Navient has got the wrong person this time so I will be paying what I agreed to until I receive the signed copy of my so called application from XX/XX/XXXX, these are slick and trying to get over on EVERYONE but not with me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a Federal Supplemental Loan XXXX that was originally from XXXX XXXX but is now with Navient. For the last 2 years I have tried working with them on several issues and with each issue I am given information/instructions that I follow, only to be told later I need to follow different rules, etc. I have tried 2 times ( following their instructions ) to have the cosigner released, I have asked to have an income based plan and/or a rate reduction plan, etc., only to be told my loan is at a fixed payment amount that can not be changed. I have asked for a copy of the Master Promissory Note showing that payments can not be altered and have not received it. In addition, since my 2014 Bankruptcy my account has shown {$0.00} due - I have asked several times why this is so and when it will change only to be told sometimes it is being resolved, and other times they can not discuss it with me due to the bankruptcy proceeding ( discharge was in XXXX 2014 ). However, even though {$0.00} is due I finally had someone admit I would incur penalties, interest and fees if I did not make payments! 
In summary, Navient customer service tells me different information each time I call, does not supply the information/documents I request and refuses to work with me to lower my payments. Please help. Thank you -- XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NE).
Issue: Money was not available when promised

Complaint: I have attempted multiple times to reach out to the company Coinbase. the first attempt on XX/XX/XXXX,  then again on XX/XX/XXXX, and finally again on XX/XX/XXXX regarding the death of my father and his bitcoin account. I explained to them I don't know the passwords to the account only email associated with account. I have been trying customer support and no one has answers on the phone and keep saying a specialist will get to me yet never does.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX in response to the XXXX hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today ( XXXX XXXX, XXXX ) to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.

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 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX account # XXXX i open this up XX/XX/XXXX, deliquency have been reporting since then, its reporting on all XXXX bureaus, estimated date of drop off date was XX/XX/XXXX, and they are still reporting. i need this deleted asap

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The below information was also sent directly to American Express on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my XXXX account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my XXXX account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted American Express on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my XXXX account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Debt collection (I do not know) with Client Services, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have called multiple times, but they have never spoken to me or left a message. When I pick up they hang up. Upon looking up the phone number it comes up as Client Services, which is a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (RI).
Issue: Problems when you are unable to pay

Complaint: consumer portfolio services told my insurance company when i got involved in a accident that i defaulted on my loan and the loan was charged off because of delinquent payment

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Other debt) with Adler Wallach & Associates, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX, i disputed this debt with XXXX XXXX through XXXX asking for the debt to be validated. I was supplied no information to validate this debt. XXXX  just claims the debt was " verified as accurate '' having had no sufficient validation provided to me. I attempted to contact original debtor, XXXX XXXX in XX/XX/XXXX and they could not locate nor give me any information to validate this debt. Also this collection agency, XXXX XXXX is not authorized to collect in Georgia, the state in which I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX 2016 I began Disputing Items with TransUnion on my credit report, 1 Specific irem from XXXX XXXX XXXX XXXX XXXX late payment. After numerous attempts sending certified letter, and phone calls ; Transunion continues to validate this entry. I took m matter into my own hands and sent a certified letter to XXXX at the address that Transunion provided on the credit report sent with the results of their investigation. This letter was returned to me by the USPS undeliverable, I even tried to call by the phone number provided, that was and still is a non working number. I have uploaded documents supporting my claim.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: This dispute is in regards to an incorrectly reported collections account on my credit report by the XXXX XXXX XXXX XXXX starting on XX/XX/XXXX through XX/XX/XXXX. II originally submitted for a review of the dispute through the credit reporting agency, and the the XXXX XXXX XXXX XXXX to remove the items from my credit report but both the reporting agency and the XXXX   failed to remove it. I was pulling GI Bill benefits from the XXXX to go to school and then graduated in XX/XX/XXXX with no correspondence from the XXXX  in regards to an over payment as I had moved the year before and did not update my contact information since I would no longer be pulling XXXX benefits once I graduated. My contact information with the school had been updated immediately and since the XXXX was making payments through the school they could have received my contact information from there. I ran my credit report and noticed there was a collections item with several months past due and had been transferred to the US Treasury, which was then removing money from my paychecks at my work. I then immediately paid the balance including something like 30 % fees with the expectation that the XXXX  would remove it from my credit report. The XXXX nor the Treasury did so and then told me I would need to dispute it with the credit reporting agency. After the first dispute with no change to my credit report and additional efforts to have the XXXX remove it, I am still stuck with a collections item on my report. I am asking for the item to be removed completely from my credit report. With much respect to the XXXX for the help they gave me for my schooling, I earned the money with my 8 years of service and multiple XXXX to XXXX and XXXX and do not deserve to have a hit on my credit that is now making buying a house for my family nearly impossible. This extreme blemish on my credit report has caused a number of issues for me and my family, including the hard hit of paying extra fees to the XXXX and money being taken away from my pay checks. I believe the XXXX  did not do their due diligence to contact me nor gave me the time or effort to have the item removed from the Treasury or my credit report so it could have been handled without fees or credit hits. 

Please note, this is now the third time I have had to file a dispute for this account, as I believe not a single person from the CFPB nor the reporting agencies have actually read the dispute. The XXXX is INCORRECTLY REPORTING THIS INFORMATION. They STOLE MONEY from me in collection fees, and have failed to remove the item from my credit report. Please read the request this time and please for the love of god remove this from my credit report. Thank you very much, for the third time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Some of the items have already been disputed and reversed, but not all and new accounts came in after my initial look. So far, XXXX accounts were opened : XXXX - Account closed and marked as fraud. Spoke with representative who stated it was opened in person at XXXX XXXX XXXX in XXXX, Colorado XXXX XXXX - Under investigation XXXX - Waiting for documents to begin investigation XXXX - Investigation complete, account closed as fraudulent and charges are being written off. 
XXXX - Under investigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: I recently opened a business checking account and US BANK felt it was ok to put my deposits on hold and charge me overdraft fees at the same time. There are well over {$300.00} in overdraft fees because they concurrently charged me for fees on money they 're holding and probably reinvesting in the market for 7 days. 

Ultimately I 've been wronged and I want the CFPB to investigate this matter. XXXX XXXX I would like no phone calls, please communicate in writing only please US BANK.

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 09/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is to check on the status of my previous complaint against Bank of America. Complaint number : XXXX. I sent a subsequent follow stating that Bank of America did not address my concerns. I have not heard the status of that second follow up. Also, The link from CFPB that was emailed to me is no longer working. Please advise.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm part of the Equifax security breach. Discovered this breach happened over a month ago and they just notified the public about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Refusal to resolve problems, refusal to return phone calls addressing phone issues depite promises to the contrary 2. Placing overpayment when account is in good standing and regular payment was made into " borrower unapplied '' for several months instead of applying to principal as requested 3. several fees appear on customer account activity statement F/C and B/R expense ; corp advance adjustment and captial one refuses to explain what the fees are or why the fees do not appear on mortgage loan statement 4. collecting more in escrow than they are entitled to. The annual property tax is {$18.00}, XXXX and the Annual Hazard ins is {$4700.00} yet approx {$35000.00} has been collected. Approximately more than {$10000.00} has been fraudently assessed and stolen by Captial one for the year to date 5. Due to my complaints refusal to send lastest mortgage statement in retaliation

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (Credit card) with Crown Asset Management, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company Crown Asset MGMT LLC has continued to harass me for over eight years. They have a lein on my home and with XXXX for {$4000.00}. I do n't owe this debt and they need to remove the lein on my property immediately as I am about to sell it. I will settle with them at a small price, too. Please help I need this resolved as soon as you get it.

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
Consumer complaint received 04/19/2016 about Credit card () with TD BANK US HOLDING COMPANY (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: in XXXX 2016, target sent me a letter stating about sending in a document for the removal of the inquiry. Once i sent the document, the credit bureau equifax, states to me that it is up to Target to handle this process and that I am not suppose to do anything. The credit bureau also stated to me that Target had never sent anything in stating for the removal of the inquiry and that Target is not addressing the issue instead giving me the runaround. The credit bureau also stated to me that all Target is supposed to email XXXX asking for the removal of the inquiry.. s of today the inquiry still exist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have 2 checking accounts with keybank, wife/myself ( 1 ) and daughter/myself ( 2 ). On XX/XX/XXXX my daughter noticed fraudulent activity on her account ( 2 ) and reported it to KeyBank. OnXX/XX/XXXX KeyBank put a {$1600.00} hold on wife/myself account ( 1 ) without notice or warning citing " write up offset '', leaving me unable to pay my bills. Keybank only response was to give me 2 case # 's XXXX and XXXX, also stating they have 10 business days to resolve matter. Can a bank do this? Had I not noticed this and mailed out payments my account would be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: This account do n't belong to me, I never open this credit card.

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 03-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Advertising and marketing

Complaint: I signed up for the US Airways credit card with the promise of a XXXX bonus miles and {$99.00} companion ticket. I did not receive either of these benefits. The card was combined into the XXXX card early in 2015. I was told when Us Airways merged with American those benefits ceased. However the promotion was during the merger process that it was offered. I was not told that it would go away. I was charged 2 yearly fees and I have not been able to get a refund. I have since canceled the card. I feeI that I am at least due a refund for the yearly fee.

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