milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Capital Accounts, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I rent XXXX house XXXX my husband like 4 years ago and XXXX company send me to collection and my husband pay months ago and and still have the open account in collection i call the company of collection they telling me that is going to be removed call back in one month and is the same thing and i call yesterday and again now they tell mi the XXXX is going to call you back and nothing this is the receipt Capital Accounts XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Creditor : XXXX XXXX Homes Current Creditor : Capital Accounts LLC Account Number : XXXX Current Balance : {$0.00} Dear XXXX XXXX : RE : Receipt for Payment This notice is to confirm that the above referenced account was PAID IN FULL/SETTLED IN FULL on XXXX Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Auto) with Rubin & Rothman, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: in 2005 i bough a ford focus but i return the vehicle because it was defective the car could not start the tow truck came and pick it up i did not get it back 6 years later i was contacted a debit collector Rubin & Rothman they call me several time on the phone and send letter in the mail i keep telling them i do't have a contract and i do n't owe any money i have a XXXX balance i have contact ford XXXX and the account is close but Rubin & Rothman keep calling and sending letter in mail they take away both of my account saving and checking value {$6000.00} that 's more than the car cost

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 08/18/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Gap visa. This account has been opened without my consent. It is fraudulent. XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Last year I contacted the company about reduced payments due to financial hardship. I had been making my scheduled payments timely but in the month of XXXX of 2017 I had extenuating circumstances that prevented me from being able to make 2 payments. I called Navient and they were unwilling to help. I called again yesterday because I am now able to make the payments. I wanted to discuss with them the options about getting caught up given that I am 2 payments behind but ca n't pay them all at once. My credit report is being significantly affected and I am trying to correct the issue given that my employer could terminate my job due to my credit score dropping. The Navient rep was unwilling to help me- I asked about deferment or forbearance or capitalizing  the past due even if it resulted in a slightly higher payment, and the rep only responded with " sorry there is nothing that can be done '' even when I mentioned I could lose my job all together. At this point I feel like I have no options- I am trying to get caught up but the company is unwilling to help. This repayment is for a loan that was initially taken out with XXXX XXXX- they transferred to Navient- I had tried to work with XXXX XXXX as well because interest was capitalizing at a rate of 9.75 % and by the time I finished school the debt balance had doubled- then when it was transferred to Navient I had to start again with getting the loan looked at. Had I clearly understood what this loan was going to turn into I would have sought alternative solutions for paying for school. I appreciate any help in ensuring that the company is willing to work with someone who wants to repay the debt but needs a bit more flexibility. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hi, Navient, despite my telling them that I can not pay the outrageous $ XXXX private loan, are calling me XXXX5 times per day. I told them that calling me that many times is not going to make me all the sudden have the money. The person said they do n't care. It is unecessary harassment as far as I am concerned. The bankruptcy laws written for student loans have allowed the colleges to raise their prices exponentially and now an entire generation has fallen victim to their ability to get guaranteed loan money. This is a consumer protection issue. I want the calls stopped. When congress acts to allow for student loans to be discharged in bankruptcy I will go through that process. That is how this will end. They will not be payed on this predatory loan. I took that loan as a XXXX XXXX XXXX who thought that good paying jobs would be available to justify the expense. That has not been the case for me and many people my age, instead there is an epidemic. I am on social security XXXX for my inability to work. I have applied to have the private loans discharged like my federal loans were and they have denied me 3 times. I am saying no to this corrupt government practice of not allowing discharge of debt through bankruptcy, it is equal to debtor prison, it is unjust, and it will be defeated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THIS ACCOUNT FROM XXXX ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/2014 TO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU

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 04/13/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: A man called and said he was with Dynamic Recovery Solutions ( he called my cellular telephone ) did not identify himself 'only that we wasnted to discuss a personal issue. 

I did not call back -after I read Ripoff report and all of the other compliants on line. They did not even say who they were calling for. 

Seems like a scam

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: Hello, I am frequently overseas and use ATMs to withdraw from my US accounts. I monitor sites such as XXXX to find out the going rates and I have often called or written customer service to find out the exact rates being used to convert dollars to euros, for example. Customer service personnel are vague -- they tell me that the bank charges a {$5.00} processing fee and can charge up to XXXX percent more than the going rate, but they wo n't tell me what the rate is. If I press hard on the issue, they invariably send me to the XXXX Global Currency Conversion site XXXX -- which is the PREVIOUS business day 's highest rate, not that day 's rate, and includes this mind-boggling disclaimer : " Please note that due to possible rounding differences, the displayed rates may not precisely reflect the actual rate applied to the transaction amount when converting to the cardholder billing amount. The exchange rate that is applied to a transaction is the exchange rate as of the day of settlement which is the day that XXXX determines the settlement amount to be exchanged between the acquirer and the issuer. The settlement date is therefore typically different from the date of the actual transaction. '' So Number ONE : Can a consumer find out the ACTUAL RATE used for that day? 
Number TWO : Can banks actually post the rate they are using on their site and quit cloaking the matter? 
Number THREE : When I look at my withdrawals using the MC Global Conversion rates for that day or the previous, they still do n't add up correctly. It appears that my bank at least is adding XXXX percent or XXXX percent on to the fee -- in additon to charging their {$5.00} withdrawal fee. Maybe it 's {$4.00} more, maybe {$7.00}, but it never adds up correctly -- and they 're already ripping me off with a bad exchange rate and ATM fees at both ends. ( I have a letter in with my bank now and if they do not answer to my satisfaction, I will file another complaint with details. ) The total effect for consumers such as me is that we 're being forced to buy something without being able to see the price tag -- and the ATM never shows what is going to be withdrawn from my account if conducted in that country 's currency, which is cheaper than converting to dollars at the ATM. 
I find this cryptic, non-transparent behavior regarding access correct foreign exchange frustrating and simply wrong. This is a general complaint -- because ALL the banks I 've used shield the information.

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 04/21/2017 about Debt collection (I do not know) with Integrated Recovery Services (TN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Received Several different calls from this number for Different names of People this is a place of business and I let them know that if that person is an employee with us they must call them on there personal phone because no one is in the office by that name the caller then asked what was the persons cell numb er I told t he caller if they are requesting verification of employment I can provide a Fax number because we do not do verbal employment verification request must be submitted through Fax the person I spoke to started calling me names   XXXX  ,,  XXXX ,  XXXX   XXXX , the  XXXX  slur  XXXX . I put him speaker so that I could record it on camera how he was speaking I asked to speak with his supv. he stated he was his supv. and he owned his business he then ask to speak with a supv. on my end when i went to transfer he hung up on her this was not at all professional it was rude disgraceful and hurtful how could these people sleep at night and treat people this way it is harassing and taunting if someone tells you that person does not work in this office that should have been the end unless they were requesting employment verification we have over  XXXX  employees and only  XXXX  in the office that person does not hold a job in our office which is the truth I thought that was very rude for this person to be mean and degrading towards me or anyone else

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX  attempted to reach out to me about a debt that was owed to XXXX XXXX department. However, to my knowledge I had no outstanding debts the creditor. 
When I called XXXX 's to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.

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 09/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KS).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My husband and I have a car loan through Santander Consumer USA. The original amout they financed for was XXXX. We were informed today that the principle of our amout has n't even been paid down by XXXX since XX/XX/XXXX when we took the loan. I called them today, XX/XX/XXXX and they told me basically that the only way to get any of our payments of XXXX. XXXX a month is to pay more than our monthly payment. So basically we were told that none of our payment is actually going to the principle but we could pay more every month in order for anythint but intrest to be paid. Our note is for 48 months but at what they are doing it is going to take us around 12 years and XXXX to pay off our XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (TN).
Issue: Struggling to pay your loan

Complaint: I got a payday loan of {$100.00} in mid XXXX from XXXX XXXX I tried to tell them I lost my job due to some XXXX XXXX problems. And I am trying to get the money to pay it back. But need more time they said it is okay then the next day I got a call from the saying if I dont pay it back I will have a warrant for my arrest and will be picked up by the police the next day which has been a day already and no police. Then after that they had someone call and left a voice mail on my phone saying they where calling from a district general attorney office in XXXX so I looked up the person name and that person does not have a office in XXXX they have a office in another state and when I try to call that number back it says it is a non working number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: We have been participating in a lender approve short sale previous through XXXX XXXX XXXX and now through Carrington Mortgage Services since XX/XX/XXXX. Our loan was previously sold to Carrington from XXXX XXXX XXXX in XX/XX/XXXX while in negotiation for a VA Approved short sale. As part of the loan package a loss draft insurance claim that was issued in XX/XX/XXXX was given to Carrington mortgage Services identifying roof replacement as the single cause to damage to our property. Due to the hardship that has fallen upon our family we have been unable to replace the roof with out in any assistance from the insurance company. Upon notice of transfer of loan in XX/XX/XXXX we informed Carrington of our short sale status and the roof claim. Carrington inform us that they did not have the complete package from BOA so that could not issued or find the claim. The potential buyer 's insurance company would not issue a new policy on the house without the claim being settle, so we unfortunately loss that buyer ( Buyer1 ). In XX/XX/XXXX we contracted another buyer ( buyer2 ) to purchase the property. We confirm we Carrington Mortgage Services, that we had a purchaser, we receive approval for the short sale. Carrington Confirm that they have received there paperwork, and could issue the check for the roof. As of XX/XX/XXXX. No check had been issued. Our second buyer cancel, due to no policy being able to be issued on the property with a pending claim for roof again. We contacting Carrington again they told us they were processing the claim but need more information for the insurance company. We engage the buyer again, ask to come back in to the contract and give us more time. We were given an additional 15 days to close. As of XX/XX/XXXX Carrington still had not issued the partial payment for the insurance claim needed to get the contractor start to repair the roof. The buyer cancel again .... We now have engage a third buyer ... based on the same approval given by Carrington set for a closing date of XX/XX/XXXX. At this time Carrington sent another appraiser out to visit the property for a liquidation sale as of XX/XX/XXXX. Carrington and XXXX XXXX XXXX while approving us for the short sale, did in every instance avoid allowing us to sell the home. They intentionally held up the issued claim that has cause us to lose a total of XXXX contracts. If they did not intend for us to sell the home, why have they put us through so much grief and inconvenience. We only ask that we be allowed to sell our home. Please Help US, we have done everything they ask. the amount of XXXX and grief this has cause of family is enormous.We just want to be able to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XX/XX/XXXX I paid XXXX XXXX for a copy of XXXX  XXXX XXXX XXXX XXXX XXXX. I was given a download link and registration number for the software, which I downloaded from XXXX  and registered. I then used the software for the next 10 months until XXXX notified me that the software purchased was not authentic. During this period the software vendor appears to have closed their business, so my attempts to contact the software vendor were futile. ( email attached ) XXXX assigned a case number ( # XXXX ) and sent me a letter stating that the software was not authentic. I then went to my bank ( Bank of America ) and because the debit card used was a Visa debit card, they investigated the case notifying me that I was within the deadline and issued a temporary credit on XX/XX/XXXX for {$910.00}. ( docs attached ) As of XX/XX/XXXX, the temporary credit has been withdrawn because the bank of XXXX XXXX stated that they were not notified within 60 days of the initial transaction per a notification letter from Bank of America. ( doc attached ) I would point out that : 1. ) I was not notified by XXXX that the software I downloaded from their site and registered through their site was not authentic until 10 months after the initial download and registration. This untimely notification unduly inhibits me as the purchaser from taking timely action against the software vendor.
<P/>
2. ) Because the vendor is no longer in business ( I presume ) I cant get their side of the story regarding the sale. It was suggested by yet another vendor that XXXX may have purchased a large site license from XXXX and then decided to sell off individual licenses. This may be what happened, but I ca n't confirm not can I comment on the legality of this practice.
<P/>
I would like to know what recourse, if any, I as a small business owner have in this regard. I have lost critical funding and although primary responsibility would naturally sit with the vendor who illegally sold the software they ca n't represent themselves. I would note they had a very good online reputation at the time I purchased from them. I also feel XXXX shares some responsibility to notify a purchaser at the time they register the software as to its legitimacy so that the end user can take appropriate and timely action.

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 08/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I recently signed up for Coinbase, an online cryptocurrency exchange. I made several purchases, starting on XX/XX/XXXX. I started off using a credit card, and then increased my buy volume by providing a picture of my driver 's license. Once I was cleared for bigger transactions, I transferred a total of XXXX dollars from my bank account to my Coinbase USD account. The transfer went through and I was able to see the money in my Coinbase account.
Then, I tried to make a purchase and was not able to. I was directed to the coinbase/ssn page, where they ask for date of birth, name, ssn, job title, workplace, and personal address. I provided all of the correct information but access was denied. I am now unable to do anything with the money in my coinbase account and ca n't transfer it back to my bank account. My XXXX dollars is " locked '' in Coinbase.
I have emailed them twice, starting on XX/XX/XXXX, and they have not responded. I have no access to my money and need this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Advertising and marketing

Complaint: I applied for a business credit card with Chase for a brand with XXXX. They offer XXXX miles after spending {$2000.00} in the first 3 months. I disclosed to XXXX people ( underwriting/analysts ) during the application process that this was a card for a separate business XXXX which is a different legal entity of my other business, and that the reason I was applying for a separate card is because I wanted to separate the expenses of each business for tax purposes. They were ok and after completing the application I was approved. After I received the card, I started using it and met the {$2000.00} expenditure required to received the promotion of XXXX miles. AFTER THAT, they communicated to me that they were not going to award this offer because I had another business that received this promotion in less than 24 months!! They never told me about this rule during the application process nor when I received my card nor later, and they ONLY communicated this to me after I met the expenditure target ( and after they charged me also for the annual fee ), which is very malicious on their part. If I knew at front about this issue, I would never had applied for this card in the first place. 
When I contacted the customer representative, she was very rude and un respectful and did n't care at all how she treated a customer ( and a good customer as I have several accounts, all in good standing with them!!! which is even more upsetting! ). 
This is a very deceiving business practice, as they are misleading and lying to people, and they do n't want to take responsibility, ownership and honor their commitments. It is sad to see that after the financial crisis of XXXX, they continue to practice unlawful acts, without taking any responsibility.

Company response to consumer: Closed with explanation