milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: Coinbase charged me for a transaction from XX/XX/XXXX and XX/XX/XXXX twice. The charge from the XX/XX/XXXX was {$100.00} and the charge on the XX/XX/XXXX for {$100.00}. I realize this may be small amounts for some people but this is money I need for bills and food. Please assist as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (I do not know) with Premier Recovery Group (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received an automated message on my direct line at work, which referenced my debt, failure to honor a payment arrangement, and a threat of legal action if I failed to respond. This phone line is forwarded to a co-worker when I 'm away from my desk, at lunch, or off for the day. Anyone who happened to answer the call, would have heard this information about my personal debt, which could be detrimental to my reputation at work, and my chances to promote.

Company response to consumer: Closed
Consumer complaint received 08-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Late fee

Complaint: I submitted a check payment in full via USPS in around XXXX XXXX, but the amount was not posted until XXXX XXXX, two days past my due date. XXXX charged me a {$27.00} late fee and {$28.00} in interest. 
They refuse to refund my money when I called to complain. 
This card has an annual fee of over {$200.00} that I have already paid. For what it is worth, this card has award miles associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Today XXXX/XXXX/16 at my place of employment I was contacted by Weltman, Weinberg, and Reis. This is the 2nd time they have contacted me at my place of employment even after I submitted a complaint to the consumer financial protection bureau on Friday XXXX/XXXX/16. Today was a different man attempting to contact me. His name was XXXX XXXX. Phone number XXXX ext XXXX. He would not state what debt the call was about. This is the second time this company has attempted to make inappropriate contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Collection Services, Inc. (Nevada) (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Received notice that a collection had been placed on my credit report on XX/XX/XXXX. Saw that it was for an account I attempted to close on XX/XX/XXXX with XXXX. Contacted XXXX and was told that they made a mistake and would send me a final bill and recall the collection once the account was paid. Paid the account to XXXX on XX/XX/XXXX. Spoke to both XXXX and Allied Collection on XX/XX/XXXX, XXXX confirmed to me that the account was recalled from Allied on  XX/XX/XXXX and Allied told me that it would take 60-90 days to have deleted from my reports. Got an alert today, XX/XX/XXXX that the collection has been changed to paid and not removed from my reports. The entire thing happened because XXXX did n't send me a final bill when I canceled service onXX/XX/XXXX in writing. This is also showing as an open account on my credit reports.

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 07-06-2016 about Debt collection (Credit card) with Central Portfolio Control Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have stopped automatic debiting of our checking account due to the changes in my household financially. I called them to let them know that I will be closing my current checking account and opening another and would let them know when i could resume my payments on my {$330.00} XXXX XXXX XXXX card. I called them in XXXX and since then they have called me 3 times. Very rude, threatening me, I have even told them the situation and they keep saying they were going to make a noteof it, but apparently they do not make a note since they keep calling me! I have every intention on paying off this debt but it will be a few months before I can because we are behind on some bills due to the transition of my husbands XXXX. This is not the first time I have had calls like this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Portfolio Recov Assoc, Promise to remove the collection off the credit if I paid the settlement, which I did and it's still shows on my credit years after.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: They have a transaction processing system that is generated to charge me, the customer, a fee when there is no reason to do so said Bank does not allow the customer any time period - however minor as it can or should be, to monitor or even correct their account 's ever changing balance is it because they want to charge fee s. Said Ba nk sent me an email at  XXXX  in the morning charged my and over draft fee and my deposit came  in 2 ho urs later prior to that - I had enough money in my account. I have also complained that they are still sending me financial statements to my house after I have told the for over 6 months and change preferences to reflect that. I am appalled that after speaking to a m oney manager  that she could not or would not offer any solutions.pnc I just spent time away from job to waste time speaking to someone who had nothing to offer me. I do not trust this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian has continuously failed to provide me with the method in which they are verifying and reporting inaccurate information on my credit report. I have submitted written requests over the past 6 months (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  ) inquiring about their methods of investigation, re-investigation, verification, and reportability. However, Experian continues to avoid providing me with the information requested and permitted by the FCRA.     I currently have an open complaint still showing (  XXXX  ), but have received notice from Experian that the alleged information is verified and it will not be re-investigated. I require clarity on the initial status of this complaint as there is now a discrepancy.

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 04/18/2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: I have a number of family members and colleagues at work on whose behalf I 'm filing this complaint. They all live in the XXXX area ( just like I do ) and have been customers of SunTrust for years. Many of them also enjoyed travelling, so they got the XXXX XXXX debit card years ago. It was advertised by SunTrust as a debit card linked to a checking account that could be used for debit ( PIN-based ) and credit transactions at all merchants that accept debit/credit cards. Further, the advertisement clearly stated that XXXX mile was to be earned for every dollar spent with both PIN-based and credit based transactions. The card further carries a $ 75 yearly fee. 

My family members and friends who have this card have used it in the normal course of their daily lives and made no unusual purchases. However, some of them had seen an increase in their purchase amounts over the last year due to home renovations and the purchase of cars with their card ( neither of which are prohibited transactions or transactions not allowing for the earning of miles per the SunTrust terms and conditions ). As a result, some of these folks have earned a considerable amount of miles over the years. 

What I 've been told is that several of them had had their debit cards and related checking accounts with SunTrust closed lately while others had their accounts renewed with a regular debit card and not a XXXX debit card. I 've looked into this a bit from a legal perspective and it appears to me this is a violation of the law commonly referred to as bait and switch. SunTrust uses advertising that they know is wrong to get customers to sign up for their card and then, once those customers earn what SunTrust deems are too many miles, the bank closes their account. 

I 've spoken to SunTrust representatives at XXXX branches and they were finally able to research and reveal the SunTrust employees responsible for this action. Their names are XXXX XXXX who reports to XXXX XXXX who, in turn, reports to XXXX XXXX. These XXXX folks are the primary driver behind this ongoing wave of closure. 

I would ask that SunTrust look into this, honor its advertisement, stop closing accounts, and educate its employees on the rules and regulation out there. Clearly, the SunTrust employees mentioned above are in no condition to judge on the legality of SunTrust 's actions as they appear to have no regulatory background. 

Regards ; XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Advertising and marketing

Complaint: Per Barclay Arrival + XXXX account # XXXXThe account was suddenly and unexpectedly closed with creditor Barclay along with my earning of points reward, a letter was received few weeks after, with a closure reason due to history of account usage, and never more of it. Now the account has been in a good stand for a whole year since 2014, never late, never cycle the credit limit, the purchases is always under XXXX for monthly spend, I have earned their points award system on a legit base from daily spend, and the membership fee has been paid. There is no reason that they cancel and confiscate all my points reward. 

It is safe to say that Barclay is without a legit ground to close my account due to my positive balance of points remaining on the account, which I have been accruing without any recent redemption. This is regrettably a shady business to say that Barclay close mine account due to the payout I 've legibly earned in saving their cost from paying out the reward. I would like my case to compensate me back all my reward points as into travel credit in form of check, along the credit of my recent membership fee that I 've just paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2017 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (NY).
Issue: Problems when you are unable to pay

Complaint: I financed a car in 2011 a brand new XXXX and it was under warranty the car then had a factory issue and was returned to XXXX. The finance company Summit Financial was to be refunded for the remaining loan amount once the car was sold at the auction. Now 6 years later the finance company is reporting negatively to my credit file on Friday XX/XX/XXXX the balance was XXXX when I spoke with them and tried to come to an agreement or resolution the where very rude and seemed to care less even though they are not reporting correctly. As soon as we hung up the phone they turned around and changed the balance to XXXX and reported to transunion that I owed this crazy amount that is not true or legal. I called them back and asked them to correct it but they said they do not care and they are illegally reporting inaccurate 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 12-08-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Im originally from XXXX, WA, and had XXXX XXXX in the house where I lived with two other roommates until XX/XX/XXXX, at the time of moving to XXXX, NC, I asked XXXX to cancel my subscription, as my roommates were taking it over, and I would not be needing their service anymore, they agreed, and said they would send or have someone call my roommates to switch the policy into their name, needless to say, this never happened. And unknown to me, my roommates continued to use the cable under my name, well sometime in XX/XX/XXXX, they fell behind on the bills, and now Im being held responsible for the debt, Ive received a collections notice, and a delinquent report on my credit for cable services when I havent lived there for 3 years! I spoke with the collection agency, XXXX, and the local law enforcement office to see what can be done in this matter, but I hit a brick wall with every call that I make, I have lease agreements and utility bills, let alone an NC drivers license that proves I was not there nearly a year before they fell behind on the bill. And their delinquent report is that I didnt pay {$200.00} on XX/XX/XXXX on my credit report! The bill originally was over {$400.00}. I have never fallen behind on any of my payments, my credit history will show that, I keep everything in good standing and on time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was with XXXX XXXX XXXX, which I complained about because they withheld too much money in my escrow account. Then, in the middle of my complaint, they switched my account over to Specialized Loan Servicing LLC ( " SLS '' ). SLS was supposed to give me back a {$5100.00} dollar overage in my escrow account that they inherited from XXXX XXXX XXXX. They sent me an annual escrow statement that was supposed to have a check attached. There was no check attached. I called them. They said they were putting a stop payment on the check. After waiting and waiting, I called them on XXXX XXXX, 2016 and they told me the check was sent on XXXX XXXX, 2016 and to give it some time to arrive. I called them again on XXXX XXXX, 2016, and this time they told me that the check was sent on XXXX XXXX, 2016 and to, again, sit tight and give some time for the check to arrive. I 'm worried I 'm not going to see the money at all now. They 're already 2 months behind on giving me more than {$5000.00} THAT BELONGS TO ME. They do n't have any evidence ( tracking number or otherwise ) that they actually mailed the check out. With all this hoopla, you would think they would send the check in a manner that is designed to ( a ) insure that it arrives to me ; and ( b ) in a timely manner. But they didn't/do n't. I want the money that belongs to me and they 're not allowed to hold on to my money and keep giving me the runaround when I call them. This is ridiculous. I was forced into SLS 's hands by my previous mortgager -- I would NEVER want to do business with SLS.

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 04-09-2015 about Debt collection (Medical) with Penn Credit Corporation (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with Continental Finance Company, LLC (CA).
Issue: Transaction issue

Complaint: i made my monthly payment ( {$60.00} ) to continental finance for my matrix credit card bill. the company claims the that they never deposited the check and it was returned. they also charged me a {$25.00} returned check fee. this is all a lie because i have the copy of the check from my friends bank which shows continental finance deposited and endorsed the check. so they basically took my money, lied and said they never received it, and now charging me a returned check fee. they are also telling me that it will take up to 90 days to resolve the issue and i have to repay the {$60.00} + returned check fee in the mean time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: About five years ago I scheduled a dental appointment for a simple cleaning. The Dentist that provided the service for me requested that I take part in another procedure, I initially said no stating that I would n't have the funds to pay for it. He then went on to tell me that he does this all the time and submits it to the insurance company and they 'll pay for it. Being young and nieve at the time I believed this and asked him to double check and I would come back to start the process. He went on to tell me we should begin now and for me not to worry about it that the insurance would cover it. Long story short the insurance did not cover the procedure and I was stuck with an outrageous bill for over {$4000.00} dollars I was very upset when he told me he was sorry and their was nothing he can do. A couple of years go by and I get a call from an agency representing his company asking for payment I refused and denied the bill. After five years of this being on my credit report I come to find that the agency flags this account once again as a collection starting the aging process all over again. I do n't believe this is right and I do believe that this company needs to be confronted and this collection removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Investment Retrievers, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: my car was repossessed while i was in forbearance with XXXX. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XXXX ( XXXX payments left ). i lost my job while pregnant and notified XXXX immediately. no repossession fees and interest fees from 2013 have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: In XX/XX/2016 I ordered a credit report from Experian.  Experian signed me up for their online credit service at $24.99 a month.  I have been billed recurringly since XX/XX/2016 and only recently noticed the recurring charges.  When I approached Experian about a refund (since I have not used the service and did not knowingly authorize the service), they stated that I had seven days to cancel the service (which I am certain I did), and they had no indication that I had done so.  I had a similar issue with XXXX and they refunded me the full amount.  I believe Experian's service is deceptive and that ordering an online credit report should not be tied their onlgoing monthly service, which i believe is extremely overpriced for what you receive.  They really are taking advantage of consumers needing a credit report.

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