milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2016 about Consumer Loan (Vehicle loan) with Foreman Financial Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: I received a vehicle which was a lemon. I was paying thousands to fixed car which caused me to have to file XXXX for this vehicle.i owed under {$12000.00} dollars when I filed bankruptcy. I finally gave up car and went to court with foreman financial over never receiving any mail letting me know the status of car and how much they received from the auctioning of car. They have added fees totally over XXXX and continuing to add fees even though my credit report saids charge off closed now open / charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I opened an acct. I used only once. For about XXXX aromd there. I made monthly payment. I agree missing payment.. but I payed before XX/XX/2016. A lot enough to cover the total amount, in XX/XX/2016 XX/XX/2016. XXXX. Then I got a balance for XXXX in dic. XX/XX/2016. In XXXX I call to pay off. The XXXX. They said. The balance is XXXX. And that minimum payment was XXXX. I asked for a supervisor. I was agitated by what they said. The supervisor agreed to take XXXX to satisfy the total balance, now I got a bill for XXXX. Also the acct was clo by them. Long ago

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 09/23/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Im disputing this because equifax, XXXX and XXXX did not provide me with proof that my files were validated that the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: COINBASE Amount : {$400.00} Dates : XX/XX/XXXX -XX/XX/XXXX Issue : I sold some of my litecoin on XX/XX/XXXX in the amount of {$400.00} to transfer the funds directly into my bank account, linked directly on my coinbase account with verified ID. In the main dashboard under recent activity, the withdrawal is marked as completed and that the money would be available by XX/XX/XXXX, 7 days later. 

I received an email on XX/XX/XXXX, the day before my money would be available, stating that my bank had cancelled the order. I now have a new item under recent history stating that I had received the same amount of litecoin that I sold with a note saying " Sold XXXX LTC for {$400.00} USD. Payment will be sent to XXXX - Interest Checking ********* by Tuesday XX/XX/XXXX. '' So I called the bank and they told me that they did not stop anything and there was no transaction to be cancelled. I called coinbase support and their solution was to file this support ticket. I filed a very descriptive support ticket and submitted it. 

I received an email from coinbase nearly 2 weeks later telling me, if my issue was in the list of top priorities, to respond and describe the problem that I had already thoroughly described in 2 communications. 

It has been weeks since that communication with nothing back from coinbase, meaning I have lost money on the mistake of a company that guaranteed I would have my money on a specific date. This company has the financial information of thousands of US citizens and they can not be trusted enough to know whether they are scamming their users.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX of XXXX, Tx sold my debt to a collector. I had payments set up to be auto drafted from my bank debit card. My bank closed the card and sent me a new XXXX. I tried to online and change my information and pay my bill. It would not allow me too. I did not receive a call from XXXX XXXX XXXX stating that they had issues with my automated payment that I set up on their website. This was done after I questioned the bill. I believe I was XXXX charged for my deductible. I sustained a XXXX XXXX XXXX shortly after and have received numerous automated calls from the debt collector on my cell phone. I received XXXX call prior to my accident and calls while in the hospital. A total of XXXX calls. It is my understanding that the law does not allow automated calls by debt collectors to a cell phone without permission. I was XXXX in the hospital. 

The debt collector is Central Financial Control located in XXXX, AL. They threatened further collection activities ( Not sure what that means ) The amount is for {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: Mortgage banker was deceptive in rushing through the process providing inaccurate information and stating that I had to sign documents more quickly than I actually had to review them. Suggested that I did not need to review documents prior to signing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Money transfers (Domestic (US) money transfer) with U.S. BANCORP (NV).
Issue: Wrong amount charged or received

Complaint: XX/XX/2016 - centurylink account closed XX/XX/XXXX - centurylink withdrew funds via ACH without authorization Calls made to XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all time they acknowledge {$81.00} refund owed because of accounting error. Promised date of funds return past multiple times. On XX/XX/XXXX representatives stated charges would be reversed on the same day as they should not have been charged. At 1 month + since that date with no refund. Multiple calls to reps whom state an additional 7-10 days to process for every call date listed above. Fraudulent ACH withdrawl claim processing through bank as XXXX refuses to refund fraudulent ACH withdrawl.

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 01/29/2018 about Debt collection (Other debt) with First Data Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XXXX XXXX, 2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX  has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX/XXXX/17 I payed on XXXX {$1000.00} for 3 rooms for a 2 night stay at a 4 star hotel on the XXXX XXXX strip. I purchased it through XXXX XXXX " hotel express deal. '' The name and location of the hotel is not advertised but the star rating and amenities are supposedly guaranteed. I was assigned the XXXX XXXX XXXX and XXXX which is not located on the strip and lacks the amenities typical of a 4 start hotel in XXXX XXXX. There is no resort, only a small pool. The hotel is not located on the strip. I immediately contacted XXXX to cancel the reservation as it did not meet the expectations based on their advertisement. They refused to cancel. I contacted Capital One and went through their dispute. I gathered pictures and reviews from several websites and submitted those to capital one. The reviews confirmed the lack of amenities and the location of the hotel not being on the strip. There are many people that have been assigned this hotel through that deal, which in my point of view seems like a bait and switch tactic, promising 4 star hotel on the strip and instead getting a hotel 30 minutes walking distance from the strip, that caters only to XXXX tourists and lacks the amenities of a 4 star hotel. Capital one did initally credit me back the disputed charge but XXXX did a chargeback. I again disputed the charge along with supporting documents of reviews and pictures of the hotel, in XXXX but was again charged back. After they reviewed my documents they requested additional documentation, a second opinion on the rating of the hotel by a XXXX peer, which I was unable to provide in the allowed time, about 10 days. They have now closed the case and expect me to pay the amount.

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. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is part of the Equifax data breach. I am just an ordinary American here, but it looks like they took a long time to disclose the breach ( imagine that their stock will tank now ), and they are seemingly forcing people into arbitration and a service to protect what they have already lost. It also appears that federal law requires creditors to report information to this agency, thus putting Americans in " harms way '' ( by law ). Without any way to limit this, I ca n't even be certain that I will not be a victim of identity theft. I have put a 90 day fraud alert on my wife and my social security numbers. Not sure what else to do. On there website, I went to the area where you could see if you were " affected '' - it says that indeed I was - here is the text : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. 

I do not trust this company with my information and believe they have not done enough to sufficiently protect what is entrusted to them by the Federal Government. 

Please let me know what I can do about this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have set up an automatic payment plan to pay this debt and yet we get XXXX calls every day and when answered there is no one on the line and the call is dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They sent me a debt -and I responded within the timeframe requesting verification of debt. They did not provide verification and immediately reported this to credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2016 about Debt collection (Medical) with Automated Collection Services, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had an XXXX XX/XX/2015 which should 've been covered by insurance. To date, I have not received a bill from XXXX fire dept or from the collection agency. I have also not received any phone calls. I went to get a car today and there is a collection on all XXXX reports which has dropped my score over XXXX points. The original creditor has not reached out to me neither has the collection agency. Now my credit score has been damaged as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My name is XXXX XXXX. I currently have loans in repayment with FedLoan. I only bring home {$3400.00} each month. My household consists of my husband and my son. My husband has not worked since XXXX and can not work due to his condition. He has XXXX XXXX XXXX XXXX and is in and out of hospitals and requires several medications to try to keep his illness under control and avoid further progression. I am also a XXXX with multiple health issues including XXXX, XXXX, and XXXX XXXX XXXX. My youngest is a full time student and does not work. From my paycheck, I pay the following : Credit card debt approximately {$25000.00} ( I have had no choice but to use my cards to pay bills, medical appointments, medications ) Rent {$1100.00}, Transportation for myself for work and my son for school. {$600.00}, XXXX $ XXXX, XXXX {$200.00}, XXXX {$190.00}, Medical bills total owed so far in deductibles and copays {$5000.00}, food $ XXXX, medications XXXX Fedloan is requesting me to pay {$570.00} with the first payment due on XX/XX/XXXX. I contacted Fedloan today ( XX/XX/XXXX ) and spoke with XXXX who indicated that I could not change the amount I had to pay. There is no way I can pay this amount per month as you can see what my income has become. It would leave me with no resources for any emergent care my husband would require. Mind you, that the monthly payments listed does not include the credit cards. As indicated before, I have been using the cards to pay for certain bills. I am not saying I do not want to pay. However, I feel that I can reasonably pay the {$250.00} which is what I was paying previously. XXXX indicated that this is the minimum because it is a parent plus loan and I dont qualify for any other plans. However, this is basically setting me up for defaulting, would affect my sons education and our livelihood. This in turn can lead to my ending up homeless if I cant pay my rent. My rent goes up every year. I really need assistance. I want to pay but I can only pay what is within my means. I can be reached at XXXX. I thank you in advance for your assistance. <P/>FedLoan Account number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX ( Collection Agency ) continues to report that I open and account with XXXX XXXX XXXX XXXX and claims that I owe {$1100.00}. I never open account with XXXX XXXX XXXX XXXX. I have dispute item with Equifax several times and requested that Equifax obtain documents from XXXX showing that I had or requested services from XXXX XXXX XXXX XXXX such as a signed installation order

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (I do not know) with Check Security Associates, LLC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I keep receiving several calls at my place of employment from a man named XXXX XXXX who claims to work for a Warner Location Services. I asked him to not call my employer, if this is a legal matter to please send me something in writing or by mail. He refuses and has been constantly leaving messages on my work voicemail stating I better call him by a certain time that day or legal action will be taken against me. Also states that if I do n't call him that an employment verification will be faxed to my employer. Demands that I call him back at XXXX ext. XXXX, to resolve this legal matter. When I called that number, there 's a recording that says, thank you for calling, if you know your parties extension please dial it now or press XXXX and someone will be with you. There is no introduction with a company name or anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: Account owner died and Bank of America is making it difficult for the executor of the estate to collect the funds from the deceased money market account.

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 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: For several years I have received notices from Convergent Outsourcing Inc . According to the notices the debt is for XXXX. Although I admittedly owed XXXX nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to Convergent in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CAPITAL ONE BANK USAACCOUNT NUMBERs : XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXPHONE : XXXX FAX NUMBER : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CAPITAL ONE BANK USA or any company associate with this account # XXXX, **************** and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SS # XXXX DOB XXXX XXXXADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Portfolio Recovery is aggressively attempting to collect a debt I discharged in bankruptcy. They are reporting this debt on my credit report as an active collection. I notified them of this 2 months ago yet they refuse to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I acquired a student loan for XXXX XXXX XXXX between XXXX. This loan " required a cosigner '' to which I was able to provide ( a boyfriends father ). The loan was set up on a 15yr repayment at a substantially higher interest rate than that of my other student loans ( it was variable so it did change but never lower than the XXXX 6 % ) for a student loan with a minimum monthly payment of {$50.00}. The loan was paid off but in XX/XX/XXXX I enlisted in the military and was told that my loan did not qualify for the XXXX reduced interest rate because it was not a Federally funded loan. However, my credit card and XXXX other loan with XXXX was approved for the reduced interest rate. I believe that it was not done my policy and I should be compensated for the incorrectly charged interest on this loan. Also I was told on several occasions that I was not eligible to release my cosigner even though I has a sufficient credit rating.

Company response to consumer: Closed with explanation