milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I placed a wire transfer from my XXXX XXXX account ending in XXXX to Coinbase, Inc for a total value of {$3500.00}. The transfer cost me {$25.00} up front and {$10.00} when received. I placed the transfer on XXXX  XXXX XXXX, XXXX. Wire transfers are supposed to be same day if placed by XXXX PST or next day if not. I sent the money at XXXX EST. It is now XXXX XXXX, XXXX and I have yet to receive the money in my CoinbaseXXXX account. I would like to get this issue resolved as soon as possible and would further like the fees tacked onto the transaction waived because I have lost XXXX of dollars by not being able to invest my {$3500.00} into desired companies. The transaction number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I traded in my vehicle for a new vehicle. The company that i traded in the vehicle with said that i didn't have to make any more payments once i traded in the vehicle. That the only payment i needed to make was for my new vehicle. However, the motor company put a late pay on my report because the company didn't fill out and turn in the paperwork on time before my payment was due. They said that i needed to dispute it with the bureaus and it would be removed but i did that and it isn't being removed. It is effecting my ability to get the best interest rate for the home i am trying to purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (VA mortgage) with MIDFIRST BANK (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I want midland to provide pay history, settlement statement truth in lending disclosure, title policy and appraisal

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. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is making it extremely difficult for me to switch to the " repaye '' program that was made available to borrowers. My loans qualify. Currently I am on the income driven repayment that alows for XXXX % of Disposable income. Navient originally told me I would have to pay XXXX ( or whatever I could afford to switch ), when I called to switch I was placed on hold ( service rep ) spoke with supervisor who told her to tell me I am out of forbearance time and they would require a XXXX payment to switch me!? ... THey refused to switch me for XXXX ... Navient originally misinformed me of the possess to switch and then demanded more money for me to switch to a program I am entitled to. Sad this organization is permitted to mislead and use these deceptive practices. 

Thank you for taking the time to view my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (WV).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: My father XXXX XXXX XXXX. Wells Fargo charged off his accounts with fees despite being notified that same month. Now they are saying they wrote them off as a loss. So he owes nothing but there should be a refund. It is n't about the money at this point, it is about the fact of the matter that any docs signed to open the account were null and void. No fees should have been charged after XXXX notification, nor should anything have been charged off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Regarding the Equifax security breach, I checked my information at XXXX which resulted in a positive response - my information may have been impacted. This company has mishandled my information, which puts me and  millions of other people at risk. Placing a freeze on my credit should be free and should not require a police report. Prevention over reaction is a much better approach to this type of sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/    OAG CHILD SU  - Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint: 10 years ago, I had credit card debt amount of {$13000.00}. In order to pay for this loan I started my own business having mutual agreement with the partner business giving me the inventory with 0 % down and paying for the inventory as the item sells. However all of sudden the partner business demanded money for all the inventory within my business. So I had to give up all of the inventory to the partner business and close the business within 4 month. However the partner business demanded about {$12000.00} more even though I returned all the items back. I tried to renegotiate the terms with my previous partner and my credit card issuer, since it was very unfair for small business owner like myself, but they were going to file a lawsuit on me and I could n't afford a legal action so I backed out. With this I started working full time as a taxi driver in order to pay for {$12000.00} to my previous partner business and {$14000.00} ( due to interest ), however the credit card interest were too high I was n't able to pay for both debt and I had to file bankruptcy.

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 11/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Billing disputes

Complaint: For the last several months American Express has been applying interest to my account when there should be 0 % interest applied to this card until XX/XX/XXXX I contacted American Express XX/XX/XXXX regarding the most recent interest charge in the amount of XXXX applied on XX/XX/XXXX. I was informed that someone from Amex would be contacting me no later than XXXX. No one from Amex called so I reached back out to them on XX/XX/XXXX and was informed that a dispute was opened. I was not provided a dispute number/case number by phone or email. I contacted Amex on XX/XX/XXXX and Amex acknowledged that no dispute was ever opened. The previous XXXX months this issue was resolved in less than XXXX minutes by contacting customer service. I am uncertain why Amex has failed to credit my account as no interest should be applied until XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: CitiMortgage recently sent me a document advising of my escrow shortage for the 2015 year. They advised me that if I do not pay the escrow shortage, that my monthly payment would increase from {$1100.00} to {$1200.00}. They advised that I could pay the escrow shortage, and that if I did, my monthly payment would be adjusted from {$1200.00} to {$1200.00}. 

I do not want my payment increasing above {$1100.00}. So I sent a payment of {$600.00} ( escrow shortage of {$330.00} + {$270.00} to cover the increase in my escrow payment ). However, when I called in, Citi refuses to adjust my payment back to {$1100.00}, stating that they can no longer advance the escrow EVEN IF IT IS AT THE BORROWER 'S REQUEST. That is ridiculous. If I cut a check for {$5000.00} to cover my entire upcoming year 's worth of taxes, Citi should n't be charging me ANYTHING for escrow. The purpose of escrow is to ensure that irresponsible borrower 's pay their taxes. I PAY MY TAXES!!! If I choose to put money into an account IN ADVANCE to pay my taxes, my monthly escrow payment should be adjusted accordingly to reflect the advance. AND I DO NOT CARE WHAT " CFPB GUIDELINES '' ARE IN PLACE FOR THE MORTGAGE INDUSTRY 'S ESCROW POLICIES ; I HAVE THE RIGHT AS THE CUSTOMER TO ADVANCE MY ESCROW SO THAT MY MPA FOR MY MORTGAGE DOES NOT INCREASE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Bank account or service (Checking account) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Deposits and withdrawals

Complaint: A client of mine had his company bank account compromised. As a result, one of the checks written on the account was my monthly check in the amount of {$3000.00}. Once he found out his banking account had been compromised, he immediately contact me and I immediately contacted PenFed. I told PenFed what had happened and immediately wired {$3000.00} from another account to cover any and all transactions. My account was never, ever overdrawn and I was told by PenFed that the original check for {$3000.00} was NOT going to be re-deposited because, according the PenFed representative, " our system is incredible sensitive and the check will be returned. " That ended up not being the case, the check was redeposited and of course, declined from my clients financial institution. Again, my account was never overdrawn. 

As a result of this, and of no error whatsoever on my part, PenFed, irresponsibility has blocked my access to all my accounts. 

Despite five separate attempts to have this irresponsible block removed, it remains. That is, because of something that was completely the fault of another party, and had literally nothing to do with me, I do not have access to my money. I have never overdrawn an account and I consider myself a financially conscious individual. 

How is it possible for an institution to completely block a responsible customer from their banking accounts? 

Unfortunately, PenFed only can say that 'my case ' is on a supervisors desk for review. 

Any assistance you can provide would be most helpful. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Debt collection (Medical debt) with PlusFour, Inc (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: In XXXX XXXX I had an emergency operation due to a slip and fall accident at XXXX XXXX. I was treated at the hospital by XXXX XXXX XXXX, MD. Due to the nature of the accident I hired an attorney in XX/XX/XXXX who began the process of a lawsuit. I received invoices from the hospital and others which I forwarded to my attorney, however, I never received a bill from XXXX XXXX XXXX, MD. Throughout the litigation process my attorney requested records from the doctor 's office and was notified that I was still in litigation and was awaiting a settlement. 

Finally in XX/XX/XXXX I received my settlement and contacted the doctor 's office to pay my bill. They told me that the bill had been sent to collections. I was completely shocked by this. I spoke with the doctor 's office and asked them why they sent me to collections when they knew I was in litigation and of course they could n't tell me why. I also asked them why I did not receive notice that I was being sent to collections, again no answer. I asked to pay the bill and they refused to take any payment. So I called the agency they hired ( PlusFour ) and tried to pay them. PlusFour also refused to take my payment because they wanted to collect close to {$3000.00} when the original bill was only {$1800.00}. A couple days later they served me with a lawsuit. I really feel taken advantage of. I was out of work due to my injuries and could not pay the bill, my wife is also very sick and is not working. I am trying to do the right thing here but it looks like it is backfiring on me. 

I also recently looked at my credit report and noticed that PlusFour pulled a hard inquiry on my credit report. I know that that they are not allowed to do that either.

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 02/15/2017 about Credit card () with U.S. BANCORP (TX).
Issue: Other

Complaint: Some one use my credit card without my authorization on XX/XX/2017. The total amount was {$13000.00}. The XXXX fraud department do n't want to show me any documents or proof of this transaction

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 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I 'm a XXXX XXXX at the XXXX XXXX of XXXX XXXX. I also play XXXX for the college, while trying to work two jobs and help my mother out at home with my little brother. I do n't make a lot of money so I pay what I can when I can. I normally always pay the minimum payment and sometimes I pay more when I can. I missed my XXXX 2017 payment once and It seem to be effecting my credit score. I 've payed consistently for months. I 've asked from a XXXX and got denied. I 've been trying to rebuild my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed several disputes with all XXXX credit bureaus and each XXXX is still reporting XXXX XXXX incorrectly on my credit report. This bill was paid off XX/XX/XXXX. Each credit bureau which includes : Equifax, XXXX and XXXX are still reporting delinquency as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with CITIBANK, N.A. (HI).
Issue: Other

Complaint: XXXX XXXX offered me {$100.00} off the cost of a flight if I applied for the Citicorp credit card. While making a reservation, I applied and was approved. When it went to the cost of the ticket, no discount was applied. A few weeks later I received the card in the mail and did n't activate it ( I cut it up and tossed ). XXXX months later I received an email that I was past due for {$95.00} which it seems is an annual fee. XXXX months after that I began receiving phone messages to pay the past due balance. I called and explained to someone who managed to waive {$80.00} of the {$95.00} annual fee. They told me I had to institute some type of appeal process for the remaining {$15.00}. I told her forget it, go ahead and waste your money chasing me for {$15.00}. My credit score is around XXXX, so I do n't think that will bother the score. No apology for never discounting my ticket, I would have to call XXXX XXXX for that. Now the phone calls are continuing and I believe it constitutes harassment. My name is XXXX XXXX in XXXX, Hawaii. Not sure the credit card number as I no longer have the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cavalry has continued to report and attempt to collect debt that is not mine. I have attempted several times to resolve this issue with Cavalry to no avail. They continue to send me collection letters for accounts ending in XXXX and XXXX. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 11 years. There are 2 credit card accounts and 3 credit inquiries listed on my Trans Union, XXXX and XXXX credit report that are fraudulent, unauthorized and do n't belong to me. The following credit card accounts and credit inquiries are fraudulent and unauthorized : XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX, balance {$1500.00}, XXXX XXXX : XXXX, XX/XX/XXXX, balance {$1000.00}, The following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX, XX/XX/XXXX , XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/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 explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX installed my cable services on XXXX XXXX, 2015. Initially they were suppose to install service on an earlier date, however no one showed up for the installation even though I was expecting someone to arrive. Due to this initial issue, my installation fees were waived and rescheduled for XXXX XXXX, XXXX. After having XXXX service, I was not satisfied so I called to cancel within the 30 day quarentee. When I called on XXXX XXXX, 2015, a XXXX representative told me the system was down and they would make sure it was entered when the system was up and running. XXXX has record of this cancellation call and all of the above information. Someone however did not enter in my call to cancel until after the 30 days and this is where the charges are coming from. I returned all equipment and did everything I was suppose to do, however this is an ongoing issue for 2 years now. I have spoken with numerous representatives that have told me that I do not owe any money. I feel like I am being bullied by this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (I do not know) with Security Credit Services, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of $XXXX that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you cannot provide adequate documentation showing that I have ever done business with Security Credit Services with my signature on it than you must remove this negative tradeline from my credit report at once. Once again you do NOT have permission to contact me by phycial mail, e-mail, nor phone.

Company response to consumer: Closed with explanation