milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Fraud or scam

Complaint: I purchased XXXX Litecoins using Coinbase on XX/XX/XXXX. The currency showed up in my account on XX/XX/XXXX, however, after showing up in my account, my buy and sell activities became restricted for no apparent reason. After looking at my sign in log it does n't look as though someone was trying to access my information, and I even provided further identification with my drivers license with no luck. Its been 7 days and I want to be able to actually access my money. This may seem like poor customer support that just needs to be resolved, but several people on XXXX seem to be having a similar experience with Coinbase right now. I luckily only bought XXXX  litecoins for {$230.00} total. Some people have a lot more than I do, and do not have access to that money they bought, which is why I classify this as a scam. It does n't make sense that the day I receive my money, I can not longer buy or sell.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received my XXXX report and I noticed there is a total of 4 credit inquiries made by XXXX XXXX on XX/XX/2018 in regards to 4 of my retail accounts. XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX. I do not recall authorizing these ( 4 ) credit inquiries. I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I have been a victim of a security breach and what that said I am requesting you initiate an investigation into these inquiries to determine how this inquiries were requested and processed. I ask that these inquiries be immediately removed from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, please send me written proof of this and a detailed explanation of how.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient purchased my loan from XXXX XXXX three years ago. When they completed the purchase and shortly after my loans were deferred due to being out of work. For one entire year they failed to inform me that the loan was no longer deferred according to their records. I was NOT informed of this. As a result, I was subjected to negative credit reporting which has ruined my chances of purchasing a home. I asked them to update due to their error in reporting and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: West Lake Financial.. This is definately the worst company that I ever came across. I finaced a car back in XXXX XXXX. They repossessed my car for being 31 days late in XXXX XXXX. I agreed to 24 months with the car payment, I was scheduled to be done paying for the car in XXXX XXXX due to the company adding insurance to the account. West Lake, never called me and informed me of any repossession order. When they picked up my car I was unaware I had to call the police department because I thought my car was stolen, they informed me of the reposession. All of my items were in the car, it took 3 days before I was able to get my possession out the car. I lost money, jewelry, and my car was ram shacked. 2 weeks later westlake financial told me my car sold at auction for {$4000.00} almost {$2000.00} more than what i owed. Therefore, they were going to send me a check for the remaining balance but i had to send them a payment of auction fees before they can send me a check so being young a naive i sent them the fees and called them back to tell them it was sent and the number was disconnected. For years I heard nothing from West Lake Financial. However, They are currently reporting a balance on my credit report of {$640.00} for auction fees. This company has harassed me by calling my job and my personal cell phone stating that I would be arrested if I did n't pay them. When I contacted them to pay the debt to have it removed from my credit report they refused to remove the account but would take the money. The company refuses to respond to any certified letters, but they still call harassing me for payment. That I do n't owe. I sent letters to both the direct company and their collection agency. West Lake Financial reports on my credit but another company handles their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to order my free credit report from XXXX. I tried about a month ago and was unable to complete the online application because when I get to the captcha screen, it tells me that I incorrectly entered the information three times, then tells me that I ca n't try again.The words were very clear and I know that I entered them correctly. This program does not work correctly. I read online that many people have this problem. It violates people 's right to get a free annual credit report if the only website available to get it does not work. I was eventually able to find a phone number on the FTC 's website, but I think that the company that runs XXXX needs to either fix their website, or provide a number themselves, since it is quite difficult to find that 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 03-09-2017 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: above plus : continued failure to investigate within 30 days- insists that credits give them " updates '' and takes sweet time instead of bureau removing the debt.
DEBT NEVER OWED, DENIED IN FULL under FCRA. IMPROPERLY REPORTING-yet shows CRETIFIED ACCURATE.
NO PROOF SENT TO ME of contact made to these companies 4 mos now.I demanded proof. I dont need to keep send in my blood type and starship name.YOU HAVE IT ON FILE. I HAVE NOT MOVED RECENTLY. STOP REPORTING THAT I HAVE to block access. 

refuses to remove these accounts. keeps " updating them '' instead. If the company XXXX me for over 12 mos now and STILL HAS THE ACCOUNT for some XXXX up reason ... I DONT OWE IT. YOU CANT EXTORT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Between my private loans which I pay now at XXXX a month and my federal loans I cant even afford to do anything with and my interest rate is going up higher and higher I started I think at 60 and now it is up to 80 something! I literally have been putting my life on hold! I am XXXX not married but engaged ... no kids Bc I cant even suport myself for goodness sake and no house Bc I cant get a down payment together nor do I want a huge mortgage! College was legit the worst mistake of my life I wish I could go back in time and never woud have went. It legit is useless Bc I would be making the same without it. Its horrifying and since m loans have been in forbearance this whole time they keep going up but I cant afford them and no one ever told me about this ... I legit get so sick to my stomach just even thinking about them ... there are days where I think about getting into the XXXX industry or something of that sort to just even pay them off with my full time job I have. I am desperate and loose sleep over this every night. I have to pay my private loans back as well and my gosh those are so much as well and I dont know what to do. I am completely lost! Please help. I am honestly begging for help from someone who reads this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (Debt settlement) with JPMORGAN CHASE & CO. (CA).
Issue: Unexpected or other fees

Complaint: I was trying to pay my credit card account from my savings account, which had sufficient funds in it. Chase was unable to connect to my savings account and refused the credit card payment. I attempted to pay again through the account, and was refused again. I switched to connect to my checking account, which was accepted, and made the payment and it was accepted, however i was charged {$25.00} for each of the refusal fees for a total of {$50.00} Date of first attempted payment : XX/XX/XXXX Date of first fee : XX/XX/XXXX Date of second attempted payment : XX/XX/XXXX Date of second fee : XX/XX/XXXX I was not notified of these fees, even after the payment failed, i only saw it when i checked my statement. I also had sufficient funds in my account and Chase failed to connect to my external savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 was advised that my car was totalled. Had loan with XXXX and GAP insurance through XXXX. XXXX short paid XXXX and now they are chasing me for the remainder, ruining my credit reflecting 60 days late. I was current with payments and had no finance or late charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with U.S. BANCORP (CA).
Issue: Other fee

Complaint: XXXX XXXX XXXX a Westamerica Bank loan officer XXXX after he got me a credit card from Westamerica Bank. Then he insisted that I better fix damages to his home before he gets home from work or he was going to beat me some more. Out of fear I fixed the apartment on credit, but now the doctor says I ca n't work for XXXX months. How am I suppose to pay for this I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and Equifax. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 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: I can not afford my monthly payments with  Navient  and they will not budge. I was able to reduce them to {$180.00} which was already too much for  XXXX  but in  XXXX  they went up to {$220.00}. This company has ruined my credit and will not budge when I tell them I am struggling to survive making their payments. I have a  Federal Loan  I pay $  XXXX /month on and it is totally manageable but  Navient simply will not let me set my payments. I would like to pay {$100.00} a month even though that is more than I can really afford but they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have had CACH LLC impact my credit signifcantly with XXXX accounts on each of the credit bureaus for accounts I never owned I have submitted FTC affadavit & police report as well as ID verification and I contacted them and spoke with them but I still see the negative information reporting on my cedit.

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 12-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Portfolio Recovery Associates Llc is trying to sue me for a debt which I do not have proof I owe and they are not licensed in my state ( Arkansas ) to sue for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OK).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I received a letter fr om Chase stating th at my credit card interest rate would be increased to 25 %. I had, had the card for several years, and I have excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Tate and Kirlin Assoc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I bought " free sample '' product on the internet, paid shipping. then they charged me {$300.00} or more. I called them, told them I did n't want the product and they gave me an XXXX number to return the product and I 'd get the money back. this was XX/XX/XXXX. In XX/XX/XXXX I get a letter from some saw firm Tate & Kirlin Associates, Inc that I owe money and I needed to send a letter saying that I do not owe any money. I did that. Now I get a letter from the same law firm saying the original letter was wrong and the original creditor was XXXX, which was where i got the original email to return the product. 
I have documentation of all of this and I 'm tired of being harassed with letters saying I owe anyone money. 
I 'm sending the Tate & Kirlin another letter saying I do n't owe anytihing but I was also telling them that I was going to put in a complaint, so that is what I am doing. 
These are Internet scams to get you to but some product for free but you miss the small print where it says they are going to charge you an exorbitant amount of money for the product afterwards. 
I returned the product, made a claim against my credit card and got the credit back. I DO NOT OWE ANYONE ANY MONEY. And I 'm tired of getting these XXXX letters saying I do.

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 07/15/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Debt collection (Non-federal student loan) with Real Time Resolutions, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX, I received correspondence alleging that I owed XXXX loans to XXXX XXXX XXXX XXXX totaling more than {$38000.00}. This correspondence is the first communication I or my son have had from XXXX XXXX XXXX XXXX since XX/XX/XXXX, when my son graduated from college. Up until, XXXX XXXX, I have live in the same address for 27 years and had the same telephone number for the last 7 years. I also had a very good credit rating and have had a reputation as a responsible citizen who pays my debts. I deny that I or my son owe this money. I am attempting to rectify this fraudulent attempt to extort money from me. XX/XX/XXXX, I wrote to Real Time Solutions , Inc., copies of any loan documents purporting to have my signature, dates of and copies of any correspondence from XXXX XXXX XXXX XXXX me, my son or any third party regarding this alleged loan. The name of the " joint '' account holder referred to in the documents forward to me in XXXX XXXX. I have asked for dates, times, form and parties involved in any oral communication with me. I sent copies of the letter to XXXX and XXXX that I had mail to Real Time Solution, Inc. Each time that I have called the collection company they lied about getting back to me and have failed to send me the documents that I have requested 5 months ago. I need to have this negative information removed from my credit. 
It 's unfortunately someone to have work so hard to maintain good credit and have a company destroy your credit worth.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Upon noticing that I had some unpaid tickets on my credit report I went had and contacted the collection agency to see how I can pay and get these reports removed from my credit report, I was told that I would need to pay {$190.00} to Professional Account MGM agency and they would take care of it, on XXXX/XXXX/16 my bank issued this agency the {$190.00} for ticket number XXXX - {$54.00}, ticket number XXXX - {$54.00} and ticket number XXXX - {$83.00} all together came up to {$190.00}. On XXXX/XXXX/16 this agency attempted to collect again {$54.00} for the same ticket number XXXX and {$10.00} for the same ticket number XXXX all together {$64.00}. When I contacted them to tell them I noticed they are trying to charge me twice for the same tickets they said if I can send them proof that I did sent the {$190.00} ( even though they knew well that they cashed the check ) they would rectify. I did send them proof from both my bank and I. Today, XXXX/XXXX/16 I received a response and now they are changing and claiming once again that I owe {$67.00} for the SAME TICKET NUMBER XXXX that I have already paid. Please help me as these people are trying to rip me off clearly!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America assigned me, yet another representative regarding an ongoing problem. The new one now is XXXX XXXX. XXXX XXXX left a message on XX/XX/XXXX. He did not leave a extension number. I tried to call anyway on XX/XX/XXXX at XXXX, and could not get to him. 

Bank of America has mishandled my loan process, taking over 15 months to complete the first step, and this process is now going on XXXX years with no help. 

They only offer a solution of restarting a possible 15 month first step process again. 

Below is original complaint ; 1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of XX/XX/XXXX. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least 3 occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process. 
20 XXXX. Bank of Americas only solution to rectify this problem is to have me restart the entire process.

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