milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XX/XX/XXXX XXXX XXXX Navient called and I explained to the male representative that I work Mon-Fri XXXX-XXXX  EST and not to call during those hours. He stated he would make note of it and only call after XXXX.
XX/XX/XXXX XXXX Navient called again, different male rep. He states it 's not noted in my account and interrupts me and asks if the phone number is a landline or a cell phone. How could I be at work answering a landline/home phone? He sounded confused and un-confident. I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX place a collection account on my experian credit report this collection account is identity theft my police report number is 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 07-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Balance transfer

Complaint: I continue to get statements from spirit credit card which FAIL TO BREAK OUT BALANCE TRANSFER. So I get a demand for payment but it does not say, this portion you will owe on XX/XX/XXXX or it will suddenly jump up from XXXX percent interest to 18.9 % .. 
THIS PORTION YOU OWE FOR CURRENT CHARGES. As an elderly person I believe this is confusing and needs clarification. And if it takes some regulations promulgated by your department to get it done so be it. 
When I called on XXXX/XXXX/XXXX to ask a Spirit representative how much is in the balance transfer suspense, she suddenly said I owe {$4000.00} when i have been receiving monthly statements for less than 1/2 of that amount as a total amount due and I never transferred more than {$2000.00}. 
then I asked her specifically what amount do I have in a suspended balance transfer account that she said is due XXXX XXXX. When she started reading me a cue card about the rate, I POLITELY asked for a supervisor. Having supervised a nationwide credit agency I know most of the tricks if they get mad or you happen to ask for a supervisor. Well the young woman said she would put a supervisor on the telephone. Instead, my phone began to loudly ring, like a phone ringing. It continued for several minutes without anyone answering the phone and of course after ten minutes or so I realized that no one was going to answer a reverse phone ring. 
So I have a XXXX part complaint. 1st, failure to divide the billing between current and suspended balance transfer, so I know how much I need to pay and when I need to pay it. It should come in monthly on my statement. And attempts to find out should not result in the " treatment. '' 2. Fraud on the part of the creditor when asking politely to speak to a manager, I got the " treatment. '' I would like CFPB to require Spirit to provide the letters they send out which should be on the monthly statement highlighting the balance transfer information a consumer receives. 
Next I would like the CFPB to review the SOP Next I would like the CFPB to review the recordings that Spirit claims its representatives are taping when on a call to myself, to see how often the call results in the " treatment. '' As former XXXX XXXX XXXX for XXXX XXXX, XXXX Texas I can tell you I personally witnessed and overheard people who the collector did not want to talk to get an extension rattled loudly in a trash can. Was I disturbed by it. Yes, yes I was. 
While Spirit ; s response is tamer, it is unacceptable. The woman merely needed to tell me that I had XXXX in suspense transfer account that had to be paid on or before a date certain in XX/XX/XXXX. She failed and refused to do so. 
Perhaps your department can remind this credit provider that it can do better. 
Thank you for your cooperation.

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 06/22/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My name is XXXX XXXX XXXX, and in XXXX of XXXX I moved from XXXX, to XXXX, XXXX. Since the moment I moved into XXXX, my service with XXXX was bad and resulted in many missed, dropped and no calls either coming in to me or my attempting to make. I spend countless days and weeks attempting to resolve the problem with XXXX. I was finally in XXXX of XXXX advised that because no resolution could come with regards to my paying for telephone services I was neither making or receiving, I was advised that I was being let out of my contract. since XXXX I am continuously being sent collection notices, and I have spoken to countless supervisors and have been advised that I do not owe anything to XXXX and that my account is not stating any negative remarks and/or comments. On XXXX XXXX, XXXX, I have received yet another letter from a collection agency and I called XXXX again and was advised by an account representative that someone would look into this yet again. <P/>Please help.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Disputes inquiries on my credit report with Experian that were a result of the XXXX data security breach. Have not received mail from Experian. It has been 40 days. Tried calling and the wait time is too long.

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 02/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: Between the dates of XX/XX/XXXX and XX/XX/XXXX I authorized XXXX transactions for digital currency as I listed below through Coinbase ( www.coinbase.com ), using my debit card, which I have since cancelled. I am attaching the email receipts for purchased coin on the XXXX transactions I authorized. 

There are XXXX total transactions I approved, all with different amounts then what Coinbase is double-charging me ( see email confirmations in attachment for authorized amounts ). 

The dates are as follows for approved transactions : XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$89.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$76.00} XX/XX/XXXX : {$73.00} XX/XX/XXXX : {$64.00} -- -- -- -- -- -- total : {$590.00} authorized.

Instead of being charged the above, I have been double charged as follows on my bank account for slightly different amounts ( including screenshots of my bank account on for documentation ) : 2/5 : {$84.00} 2/5 : {$90.00} XX/XX/XXXX : {$130.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$64.00} XX/XX/XXXX : {$64.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$90.00} XX/XX/XXXX : {$130.00} -- -- -- -- -- -- -- -- -- -- -- - {$1200.00} unauthorized. 

I am owed the difference on this and have been unable to get any response from the responsible party, coinbase. I have already completed a fraudulent case with my bank, XXXX, case # XXXX. 

By my calculations, {$1200.00} ( unauthorized transactions ) - {$590.00} ( authorized transactions ) = {$610.00} due back to me. 

My coinbase account name is : XXXX and my case # with coinbase is XXXX. I have waited almost two weeks to get these charges resolved with them with no movement or response. Please assist if you can as this is a lot of money to me. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Monthly I have been manually making my payment and I did not have access to online to see the history. BBVA Compass continued trying to make the minimum payment out of my closed BBVA Compass checking account and then charging me a returned check fee for their checking account for their credit card, these charges were in excess of {$25.00} per month. They states I did n't " qualify '' for a fee refund since it was autopay even though I had requested three times ( XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ) for the auto pay to come out of the account I provide them when I call into make a payment. They stated that someone internally must of made an error ( XXXX at BBVA Compass on XX/XX/XXXX ) and that who knows how they processed it but " management '' would have to decide whether they would refund the returned check fees for their own checking account autopays from their credit card. This has to be illegal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is negatively reporting me as owing {$120.00} when I do not owe them this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the CFBP.

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 Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I applied for a Citigold Checking account using the promotion code XXXX with offer terms stating that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 days from the end of the statement period in which you complete all offer requirements. '' The relevant account was opened on XXXX XXXX, XXXX and the offer requirements were met during the XXXX and XXXX statement cycles. The XXXX cycle closed on XXXX XXXX, XXXX. 90 days from XXXX XXXX, XXXX is XXXX XXXX, XXXX. 

The 90 day period following the completion of the offer provided ample time for Citi to fulfill its promotion. At no point during the 90 day window were the points credited per the terms of the promotional agreement. I have contacted Citi on multiple occasions XXXX during and following this window to establish the status of the points, but have not been provided with a satisfactory response. 

In my most recent correspondence with Citi, I explained the problem, of which the bank was already aware. I further expressed that Citi 's delay was preventing me from using the credit to purchase upcoming travel. The representative was unable to explain why the points had not been credited and was unable to provide a reasonable date upon which the promotional points would be deposited. The representative in question refused to resolve the issue and terminated the phone call. 

Citi has demonstrated a clear unwillingness to resolve the case. The bank has engaged in misleading marketing practices and false advertising by failing to deliver upon the terms and conditions of their promotional offer.

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 02-07-2018 about Debt collection (Credit card debt) with United Collection Bureau, Inc. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a call from a XXXX XXXX from UCB United Collection Bureau. She had first contacted my parents and had a rude remark about ( Well you are XXXX 's mother you can get a hold of her can you not ). Then said she would remove their number. My parents are not associated with this account, and should not have been contacted in the first place, let alone rudely. I then called to see why she called. She informed me that they had acquired the debt from XXXX, and had not received a payment in six months. We never received any notification of this debt being transferred, and are enrolled in a debt settlement program with XXXX XXXX XXXX who would be managing this debt. She interrupted and claimed that " they don't talk to settlement companies '' and that they would sue us, garnish our wages, and cause trouble to our credit. Again, I informed her that the debt was being handled by a settlement program, and offered their contact information. She yelled that they would not contact a settlement program. She was very rude to me and harassed me and kept demanding we pay them ( by XX/XX/XXXX {$66.00} ) or suffer the consequences. I was very upset and couldn't believe i was talked to like this. These calls have been incessant, disruptive and occur at all hours.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Medical) with Credit Service Company, INC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Issues on credit report are closed by the bank institution and dismissed or forgiving. Others, are medical or ambulance fees that were from a unaware circumstances and not negotiable but emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the State of Texas to pursue collections. I entered the name and address on the  Secretary of State  website for debt collectors and was unsuccessful at locating a bond for this agency.

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 06/26/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX I made a payment to Bank of America from my credit union checking account 's onlne service ; the payment was a mistake and should have gone to a different institution. The BOA account I made the payment to was a closed account with a XXXX balance. I recently received my statement from the account I meant to pay ( different bank ) showing they did n't receive my payment, which is how I realized I made the error in my payment. At that time I called my bank to retrive the funds.My bank followed procedure to correct the situation but was told by BOA they could n't do it due to security reasons and would need me conferenced on the call. On the same day I also called Bank of America to see if I could correct the mistake from my end which resulted in over an hour phone call, multiple transfers ending in being told 'for security reasons I would need to submit a written request, preferably on personalized stationany ( I do still have a loan with BOA so it 's not like they do n't have my personal info to compare ). As of today XXXX XXXX, Bank of America has been contacted my myself and XXXX XXXX XXXX to try to retreive the funds of {$3000.00}. to no avail. Both attempts lead to over an hour on the phone with a mimium of XXXX departments who gave us basically the run around and finally ended by transfers that never went through. My bank will be contacting them again on XXXX XXXX to try to continue to retrieve my money but I am filing my complaint now as my past experiences with Bank of America has proved to me that they will not remedy situations unless promted by the federal government. Also, as both my bank and myself have already spent waisted hours resulting in different answers from BOA I have doubts that we will be able to resolve the problem on our own. For the record, XXXX different people had originally told me they did locate the payment received on XXXX XXXX, 2015 but that they did n't have the authority to complete the refund. Today when conferenced with XXXX XXXX XXXX Bill Pay department, the different dept of BOA could n't find the receipt of the funds. That call ended in the fifth transfer which terminated during transfer so no resolve. 
I would appreciate any help you can give with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NH).
Issue: Shopping for a loan or lease

Complaint: Americredit, also known as GM Financial, denied me credit. That 's fine ; I got credit elsewhere. But they wo n't tell me why. XXXX I have gotten a pathetic non-responsive response : " Outside of credit program parameters. Credit not granted under the specific terms and conditions and/or conditions originally requested. " As far as I can tell, this denial is totally non-responsive, and does not meet the CPFB requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with INCOMM HOLDINGS INC. (AE).
Issue: Problem adding money

Complaint: On  XXXX   XXXX    XXXX  , I purchased a Reusable PayPal MyCash C ard ( PPMC  ), with a value of {$500.00}, for a {$3.00} purchase  fee. I visited paypal.com/cash, per the card instructions, to load the {$500.00} to my PayPal account. After entering the PPMC PIN and providing my PayPal account login credential s, the website returned a " My Cash Error  Code = 203 '' ( see atta chments ).     I immediately called the customer service number at  XXXX . The customer service representative  ( CSR ), op ened a ticket ( #  XXXX   XXXX  to have the issue investigated. The  CSR requ ested I send a photo of my driver license with th e PPMC,   and the purchase receipt to  XXXX  XXXX  XXXX  '. I sent the requested documentation on  XXXX   XXXX    XXXX  , asking for an email response with confirmation the email and attachments were successfully received. I did not receive a response.     From  XXXX   XXXX  through  XXXX   XXXX    XXXX    ( 11+ weeks ), I  ca lled PayPal at le ast 2 times per wee k ( ~25 times ) to  inquire about the status of my ticket.     The first response was the error could not be resolved and I would be issued a refund. The next set of  CSR respo nses was to refuse to send a refund check to an  XXXX   XXXX   XXXX   XXXX  ( AP O ) address, claiming PayPal does not ship to International addresses. I informed PayPal this is not th e first time I 've had this problem, and on the previous occurrence ( previous ticket #  XXXX  )  PayPal mai led a check to the very same address I provided for this ticket.     Sometime during the first week of  XXXX    XXXX  , a  CSR agreed that a refund would be issued and sent to my APO address. From that point to the  present, each time I inquire about the status of my ticket I receive the same response. " The refund is being processed and the check will be mailed  in 7-10 days.  '' By the end of  XXXX    XXXX  , no refund check had been sent and the CSRs stated, the "  Compliance  Department '' was responsible for issuing checks and this department can only be reached via email. Each  CSR apologized for the delay and stated they would send an email to the " Compliance Dep artment '' asking for them to send me an update on the status of the refund check. I never received any updates.     Beginning in  XXXX    XXXX  , I demanded to speak with a supervisor. I explained the delay and my frustrations with the unresponsiveness of the  " Compliance Department. '' The supervisor ( s ) told me they would send emails to the "    Compliance Department '' marking my ticket as " High Priority. ''  They also requested updates be sent to me via email. I was told this exact same thing, at least 6 times in the month of  XXXX . My refund check has not been sent and I have never received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A debt collection agency by the name of Asset Recovery Associates contacted me in regards to a credit card I had in which last payment was made in 2005, so they say. They threatened legal action against me stating liens on my new car, bank accounts, credit cards etc. I got scared and asked for more info. They stated I owed over {$6000.00} but would settle for a little over {$3000.00}. I said i remember having a credit card when I was younger but had a limit of {$1500.00}. The man from the collection agency then said he would settle at {$1500.00}. I thought that would be better so I made a smaller payment of {$150.00} to them and they want the rest by XXXX XXXX. I 've been reading about debt collection and my rights and I now believe I was stupid to make a payment since they could n't sue me due to statute of limitations. They threatened to sue me to get me to pay and I believe this to be illegal.

Company response to consumer: Closed with explanation