milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: Funds were transferred to an inactive rushcard by mistake, the reason it 's inactive is because it was never ordered by me and was sent to a completely different address the more than 4 years ago. When I called to have them void the transfer they told me it was impossible without reactivating the said card. When I explained in never even had the card nor do I know who does, they told me thy would send me one but would take 10 business days. Who could wait 10 business days for their own, oney. Why would a transfer be able to complete on an inactive card but not one going out on card. Because it only benefits RUSH to keep the money longer .... finally had one. Rep tell me they can send one overnight but would cost ME {$30.00} for their incompetent system and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (IL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: My son, XXXX, is applying for a student loan at Discover to attend Univ XXXX XXXX - XXXX and I am his father and cosigning the loan. Discover advertises a 2.99 % rate as their lowest rate. 

In XXXX, my son and I applied for and received a loan at the lowest rate from Discover. 

In XXXX, another son of mine, XXXX, and I applied to Discover for a student loan for him to attend XXXX XXXX - XXXX XXXX. We received this loan at the lowest rate. 

My credit is excellent. I checked with XXXX XXXX and it is XXXX and XXXX. It is as good as it has ever been. I also recently paid down my home mortgage considerably, which seemed to have a positive impact on my credit score. 

Last week XXXX and I applied for his fall semester and we were give a secondary rate of 4.6 % ( over 50 % higher than the lowest rate ). I called and they said my credit score in XXXX was XXXX and my credit now was XXXX, but still both outstanding scores. 

I have worked hard to get my credit score in an excellent range. Paying down the mortgage was a big part of that and took considerable resources. 

Discover offered no explanation other than the decision is based on their algorithm. 

I do n't believe them and I believe I am unfairly being treated and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX XXXX, 2015, I requested, and received, a free credit report from TransUnion on the basis of adverse action ( denial of credit ) that was taken against me. 

Today, on XXXX XXXX, 2015, I received notification of another denial of credit based on a TransUnion credit report, so I requested another free credit report from TransUnion on the basis of this denial. However, TransUnion refused to provide a new report, stating " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional report at this time. '' and attempting to sell me a credit report. 

The Fair Credit Reporting Act requires TransUnion to provide a free credit report upon request if I have had adverse action taken against me based on a credit report provided by them. It does not place any restrictions on the frequency of such requests -- a new adverse action can be the basis for a new request, no matter when the last request was made.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (SC).
Issue: Managing the loan or lease

Complaint: XXXX 2016 a deferment of my XXXX 2016 payment was requested. State Farm failed to meet their end of the obligation and get the paperwork to my residence informing me of my interest due and any other required documents. Even though numerous attempts at multiple levels of the company have been made to rectify this issue, they continue to apply each payment to the month prior and mark it as a delinquent payment. This circumstance is beyond unfortunate and borders on a thorough violation of ethical standards for a corporation involving treatment of loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Payday loan) with Premier Recovery Group (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been contacted multiple times with threats that if I do not respond within the day I will be sued. Called to try to settle on a debt I believe to be paid and when I offered settlement amount just to get them off my back, I was told they would have to check with the 'courts '. Continued to receive a call every hour for the rest of the day. Still never received a 'validation notice ' or a notice of the right to dispute. Just constant threats of legal action.

Company response to consumer: Closed
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing XXXX accounts listed in collections on my credit report that do not belong to me. The DOB and SSN do not add up on XXXX of them since they belong to my father ( we share first name ) and the fourth account has my brother 's name on it which is nowhere close to my name and different DOB. It 's been almost five months and I managed to get the other XXXX bureaus to remove the information but after a lot of correspondence and frustration I managed to only get XXXX out of XXXX accounts cleared with Transunion. I have contacted the collections agency in writing who in turn verified that the information from their client does n't match the accounts in question but Transunion has repeatedly failed to remove it citing a dispute was never listed on more than one occasion contradictory to my call documentation. At this time it 's been disputed now for the third time and I 've even filed a complaint with the XXXX but this has damaged my credit history and hindered my ability to get my vehicle refinanced. I only discovered something was wrong because my wife worked in the collections industry and suspected something was wrong when she saw the FICO score drop by a large amount last year.

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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This XXXX had a carryover balance since approximately XX/XX/XXXX. I was making more than minimum payments. On XX/XX/XXXX I paid the full amount due on this card in the amount of {$1600.00}. When the payment cleared my bank I checked the balance on this account and it reflected {$0.00} due.
On Monday, XX/XX/XXXX I called the customer service line and said I paid off this account and I do n't understand why I now have an amount due of {$12.00}. The rep said it was for " residual interest ''. I stated I never heard of such a thing and asked for this charge to be reversed. She said she could n't do it. I called again to the customer service line today, XX/XX/XXXX and again asked why I was being charged this fee. He said it was " easily missed '' if you did n't know about it. I explained that I have had this card since XX/XX/XXXX and carried balances before and then once paid in full I did not get hit with " residual interest ''. Again he said it 's easily missed. I asked for it to be reversed, he said he could n't. I then asked for a supervisor. This supervisor was rude saying I was going to ruin my credit if I did n't pay it. I said it 's a " scam '' and I refuse. If this fee is " easily missed '' then the bank is counting on consumers just letting it go without a complaint. I 'm not willing to do that. This is a hidden fee and I do not like being taken advantage of. I told the rep I am a very good customer and it would be a shame for the bank to lose me as a customer over {$12.00}. He said it was up to me if I wanted to see my " credit go down the tubes ''. I stated that I have other charge cards that carry a balance and once paid in full I do not get hit with hidden fees. Any assistance you can give to get this reversed is greatly appreciated.

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 04-11-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AD Astra Recovery Services sent me a copy of an agreement of a debt they are trying to collect but did not verify it is mine. I have already tried to have them remove the bad debt off of my reports but they wo n't budge and are not verifying the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my 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 non-monetary relief
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After having several issues with this company paying the wrong insurance company for homeowners insurance, and then making errors on my escrow analysis and trying to overcharge, now they are telling me that I can not close the escrow account and pay my taxes and insurance myself because this loan is on a single family residence that I rent out and do not occupy in the state of California, although according to the criteria they state on paper for closing an escrow account I have fully met.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Unauthorized transactions or other transaction problem

Complaint: I opened an account with Coinbase a US company and purchased a digital currency called XXXX and XXXX, I am a XXXX based Citizen and Resident. I viewed my account whilst travelling with my employer an international Airline to a country ( XXXX ) where I was staying for. Few hours at the Airport hotel. Then suddenly and without warning Coinbase froze my account and funds. I did not make any transactions just viewed the value of my account as one would with any other financial foreign exchange account. I have sent ID such as bank and passport details and have contacted Coinbase on many many occasions with just a computer standard response, please advise as there actions are very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: PayPal permanently limited my account with my hard earned money in it and told me they 'll release it after 180 days and kept my credit cards and bank checking information on file. Basically, at first, my account was temporarily limited citing " security reason '' - basically telling me to go kick rocks and starve. Till this day, i do n't understand where the " security reasons '' statement came from because all i did was sell a couple of items on eBay. Apparently PayPal plays this dangerous game with everyone because they 're basically the only way customers and sellers can make and receive payment via eBay. They 've been on a royal power trip for years and this really needs to stop. Now to continue with more background information on my compliant ... They temporarily limited my account and asked me to submit my social security card, my drivers license, my bank statements, credit card statements, invoice of purchase for items that were sold and valid tracking information for all my sales. Even though these demands were pretty steep for an entity that has no governmental affiliations and does n't consider themselves a " bank '', i complied in hopes that everything will be resolved and i 'll get my money back but i was wrong. They instead decided to lock up in their account and keep my money. The same money their probably profiting from right now by locking me from accessing it in their system. Anyway, i sent them the information via the " resolutions '' page and informed them that they 've already confirmed my credit card and bank account through their electronic process which had me log into my bank account and receive security deposits on my credit card. I sent them everything and informed them that one of the transactions they say requires tracking was just a payment from " XXXX '' - a company that pays you for shopping online. I received a response to proceed and that particular part was removed. I had faith the process was just to determine that i 've not trying to defraud customers. I sent them more information via email to " XXXX '' and via the resolutions page. All of sudden, i got an email saying my account has now been permanently limited and they claimed that my sister 's account ( which they also closed for some ridiculous reason ) is related to mine. I simply told them to look at the official documents i sent to them ( drivers license and social security card ) but instead of doing that, they locked my business funds in their nidicolous disaster of a sinkhole and refused to give me my money. Please get them to give me my money and keep their ridiculous site and their incompetent employees. My PayPal email address is XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried for months to get my monthly private student loan payment through Citibank lowered. I have explained I am not working and have not been working for over a year and unemployment ran out. They agreed to let me defer one month ( because they said that 's all I had available to me XXXX. They have called me at all hours of the day and night, sometimes 5 times a day if my payment is late. When I ask for help they have told me time and time again that they can not do anything and it will just have to go to collections and I can just deal with them. They have no compassion, no understanding and could care less that I am not working ... they asked me how I plan to pay my monthly payment and I told them I will have to start selling my personal property and their response was well you have to do what you have to do. I have never been more disappointed in my life with a financial institution. I am just asking for my payment to be lowered, I am not asking them to pardon me from paying back my debt. I went to the University XXXX XXXX online and completed my XXXX Degree.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TD BANK US HOLDING COMPANY (NJ).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: blocking from enabling external applications

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian has refused to send me a updated disclosure keeps telling me I had to buy it I explained no I do n't I am a fraud victim which has a seven year fraud alert I want my credit report I have n't viewed this in over a year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (MO).
Issue: Problem with the payoff process at the end of the loan

Complaint: On or about XX/XX/18 I requested personal finance company XXXX mo to buy out another loan from another company I offered to put up ( 2 ) vehicles valued at over {$7500.00} for a {$5000.00} loan with collateral of these ( 2 ) vehicles their Area Manager only offered me {$1500.00} more and wanted both vehicles as collateral leading me to believe they should be investigated for shady business practices or deceptive loan practices every other loan company offered me the deal however I feel the Office Manager of XXXX has a personal vendetta against me my income wasnt an issue neither credit why are finance companies allowed to only offer {$2500.00} for {$7500.00} in collateral as a consumer I would ask for an answer?

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 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: - An XX/XX/XXXX, I received a letter from US Bank closing my new US Bank XXXX card. The reason " Failure to comply with the terms of the Cardmember Agreement due to excessive or patterned purchases of cash equivalent instruments, such as gift cards, rewar

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 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I signed for a student loan, for my son, through Navient and the terms were deceptive. I was led to believe that the loan was a simple 3.75 % interest and Navient is claimiming that it 's a variable interest loan compounded daily. 
On an {$1800.00}. Loan i will be paying XXXX. + dollars. This to me is a predatory interest rate! 
No wonder our children need our help & feel so cynical about their futures.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: per XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX opened XX/XX/XXXX, closed XX/XX/XXXX highest balance {$890.00} passed due : 90-119 days late balance : {$0.00} I have no idea what card this is. I have n't been late with a credit payment in over 25 years. Please review my credit report. I take paying bills very seriously. I do n't know how this would have occurred. 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 non-monetary relief
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have sent a letter advising I am not disputing anything on my credit report, however, it still shows disputes on my report.

Company response to consumer: Closed with explanation