milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Have disputed account from XXXX XXXX XXXX to Transunion many times. Account is too old to be on file yet they refuse to remove this item. XXXX had complied and removed it with no problem.

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 10/18/2015 about Prepaid card (Government benefit payment card) with Comerica (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/2015 as soon as my Social Security XXXX Direct Deposit credited to my card, Direct Express suspended my card. I ca n't transfer my income to another bank, make purchases or view transactions online. 
On XXXX/XXXX/2015 I wrote Direct Express after viewing my XXXX Statement ( postmarked XXXX, had insufficient postage, and arrived XXXX ). The XXXX Statement showed unauthorized charges and credits which I outlined in detail in my letter. Direct Express did n't respond to my letter. 
On XXXX/XXXX/2015 my XXXX Statement also had unauthorized charges and credits on it so I wrote Direct Express outlining them in detail, some of these came through my account on XXXX, XXXX, XXXX after my XXXX suspension which is n't fair to me. 
To date, unauthorized credits minus unauthorized charges total a {$4.00} loss from my account. 
Direct Express charges me XXXX cents per month for the paper statements which are checked by me for suspicious activity as soon as they arrive. I notify Direct Express as soon as I find anything wrong, in detail. 
Direct Express is holding 3 months of my income. Social Security advised me to contact Direct Express and so I did. I have followed instructions on my monthly statement. I watch the mail for anything from Direct Express, an Error Resolution Form, a replacement card, but they do n't respond. I have no other source of income. My card has been suspended since XXXX/XXXX/2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting information that is inaccurate. Proof was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: APR or interest rate

Complaint: Received a XXXX misc from Chase Bank for overpaid interest due to the Service Members Relief Act. We are frustrated because this should not be considered income for us to pay taxes at years end. This was already tax from paycheck and then we issued a payment against the credit card debt. This is owed money. Not taxable money. I 'm not sure how these banks can get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AL).
Issue: Other transaction problem

Complaint: Coinbase will not let me access my account which has more than 18,000 $ in it. When I try to login it says " Your account has been temporary disabled, please contact support ''.

I have contacted them on XXXX, by phone, by email, on reddit and directly via hand written letter and have not gotten any response back to why my account was locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio say that they reached out to me in XX/XX/2017 of having bought this alleged debt ending in XXXX. Do they have a signed mail return receipt? NO. i found out about this alleged debt in XX/XX/2017, I sent dispute letter to them. Threy broke the following laws 1. Did not notify me of this alleged debt prior to reporting 2. Did not mark my account disputed with in 31 days of receipt of this dispute letter. 
3. Did not COMPLY with sending me a COPY of MY AGREEMENT ( which I do not have a signed contract with them ) NOR a signiture, per requested. They have ignored ALL of my request UNTIL i got BBB involved now you CFPB and Attorney General. 

Which by LAW they are REQUIRED to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I completed the Student Loan Rehabilitation Program on XXXX XXXX XXXX after XXXX consecutive on time payments. I was in default on my student loans and dreaded the calls from the collection agency. I decided to address the defaulted loans in XXXX XXXX. I was told by the collection agency and the guarantor that all negative entries related to the default and late payments would be removed. I am aware that in certain circumstances if you were delinquent prior to entering into said agreement those negative items could remain. That was not the case with my XXXX tradelines that are in dispute. I repeatedly asked both parties to be sure I understood. I made my monthly payments to XXXX XXXX on behalf of XXXX. XXXX had received my loans from XXXX Bank. XXXX STATED that the XXXX Bank tradelines would be updated to reflect no late payments or they would be removed completely because of the Statute of Limitations ( XX/XX/XXXX ). All XXXX of the ( XXXX ) tradelines would be removed as well. XXXX was removed. XXXX will not update the information and as a result Equifax, XXXX and XXXX are stating that " XXXX '' says the information is accurate. The information is not accurate because XXXX is also stating to the XXXX Bureaus I had a late payment in XXXX XXXX. I have not had any relationship with XXXX since XX/XX/XXXX. They refuse to update even after I called XXXX directly as instructed by Equifax and XXXX. The credit bureau representative stated that there is a XXXX balance on my report for all XXXX XXXX entries and the lates will be removed according to their records in XX/XX/XXXX so " you do n't have to wait much longer '' and it is not affecting your score. It is affecting my score because it shows XXXX late payments for all XXXX loans. I do not want to wait 2 months to get information off of my report that should n't be there, I most certainly do n't want to wait two more years. The fact still remains that I have met my on time payment obligation. I paid as agreed and now the credit bureaus should follow the rules and comply as well. It is very difficult dealing with XXXX as a regular everyday working American. I understand that the credit bureaus do n't want to deal with it either, but it is their job to get proof and resolution. They have not done either. XXXX Bank should be deleted from my file. They refuse to provide proper documentation to support what they 're reporting is accurate and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently saw  the director  on  XXXX   XXXX  and it gave me the motivation to state my experience. Here it goes.     I graduated with a   XXXX   and went into a   XXXX   XXXX   /   XXXX   XXXX   under a paid grant service agreement because I 'm working in   XXXX   XXXX   .I h ave to work for 2 years for every year I went to school ( not sure if this is I had a loan during my  XXXX , but still was in school so it was in forbea rance. Stafford   Loan, OWED    Current Principle :  XXXX  Current Accrued Interest : {$1700.00} Total Balance : {$56000.00} Estimated Interest Accuring Monthly :  XXXX  Estimated Accrued Interest when your forbearance ends :  XXXX  ( Whoa!!!!, I just realized that they are taking advantage of me. ) Finished my   XXXX   XXXX  . in   XXXX   XXXX   and finished my units for my   XXXX   XXXX  , but still need to complete my units. Technically, I have 5 years to complete my thesis under my agreement. I 'm just finishing my second year of   XXXX   as a   XXXX   XXXX   XXXX       In   XX/XX/XXXX , I received a call from GREAT LAKES EDUCATIONAL LOAN SERVICES, INC. They let m e know that I have n't paid my loan for 3 months. I did n't receive a letter in the mail notifying that I owed anything. They said they have been emailing me at an old  XXXX  account. I got no letter, no phone call, I feel, until it was too late. When I did finally talk to them, I let them know what was going on and they approved my request for forbearance until    XX/XX/XXXX .       Meanwhile, I needed to move and get a new car because my car got totaled and ran my credit which is considered very poor, making my quality of life very hard. Plus, I 'm an   XXXX   XXXX   and needs a car to travel to my  XXXX  schools to   provide service to my   XXXX  .     Everything became very overwhelming and un-affordable.     I called Great Lakes after my credit check to ask them to help me fix my  credit score  issue because I needed a car. They told me there was nothing they could do because I did n't make a payment for 3 months. I begged talked to supervisor 's, no compassion. I feel hopeless because I want to move, but I ca n't because no one will accept me without a cosigner or high interest rates. Please help, not sure if this situation qualifies for your services. Thank you for all you do and giving people a voice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep getting calls. I called the number today because I know I do n't owe any money to anyone. I have had someone previously use my phone number and have had debt collection agencies calling my house looking for a person I do not know so I figured this XXXX was starting again. I have police reports filed with the XXXX department. I called the number. They will not give me any info. I have never received any bills in the mail so I know I owe no.money. I told them to stop calling me. They were very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: The school XXXX XXXX XXXX close down in the middle of getting a certification the school lied and said that they were Having financial issues and ensuring us students that we will graduate and receive certificate but the school bankrupt in the middle and I was left without the education and stuck with heavy fines and fees which were XXXX XXXX at the time it was sold to another lender whom I dont have a agreement with because I did not get the loan though them so I have two issues one the loan was sold so I owe nothing because the agreement was with XXXX XXXX and two the school close and filed bankruptcy so I did not receive the education need to graduate and all I get it grive and talk down to from the new lender that I should stop trying to fight it which I will not because this is unjust and not fair I just want it removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with EQUIFAX, INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have some credit inquiries that are related to none of the aforementioned permissible

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: I had payment arrangements to bring my credit card account current. I spoke to several representatives and was given different payment options. All of the correspondence is documented. I was told on XXXX XXXX, 2015 to make a payment of {$110.00} by XXXX XXXX, 2015. I was then told on XXXX XXXX, 2015 via Capital One 's message center to make a payment of {$120.00} by XXXX XXXX, 2015. I had already sent a payment of {$110.00} on XXXX XXXX, 2015, so I planned to sent the difference by XXXX XXXX, 2015. I then noticed that my account was closed on XXXX XXXX, 2015. When I inquired about the closure, I was told that because my account 120 days past due, it was closed. I told them about the correspondence with different representatives and how I was NEVER told that my account was going to be closed even though I made the required payments. I was told my payments would bring the account CURRENT and my card would STILL BE OPEN AND ACTIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem adding money

Complaint: I have an account with XXXX XXXX and they help me a lot..I have to give them my online banking login and stuff and my bank is supposed to send them my bank statements frequently however my bank has been slacking drastically..I need my bank to start sending XXXX XXXX my bank statements more often ... ..

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 03/26/2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple dates, multiple times with no messages left. When I answer the call drops.

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 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a bill for equipment that was not given to me from XXXX XXXX. XXXX XXXX gave this bill to ERC to collect. ERC inflated the amount of the original XXXX XXXX bill by {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: I bank with Chase, my employer also banks with Chase. Every pay period they manage to place a hold on my paycheck regardless of the fact that my check comes from their account and they are able to tell if funds are available ( in which our company has never had a problem ) I call almost every other week to ask to remove the hold and they promptly do and also advised that I will never receive an overdraft fee if they have placed a hold on my check as it is a result of them. Well this week they decide to reorder the way my transactions took place ( I check my account every morning ) the lower transaction was in place that morning and later in the afternoon I personally made another transaction that should n't have taken place until the following day but it did n't. I received a text a XXXX that night notifying me that my account was negative. Reality is that was my fault, I 'll take it, but what is n't is the following day the charges are reordered and I now have received a fee for the {$12.00} charge ( which was covered ) and the {$210.00} charge ( I earned that fee ) but what has really gotten me upset is that they also gave me a fee on the XX/XX/XXXX for a charge when I deposited my paycheck ( from a chase account ) in which the placed a 24 hour hold on ( which did n't bother me at the time cause I was told by a chase representative I would NEVER receive a fee for a hold placed by them ). This is now becoming excessive. I take care of a family of XXXX and do my very best to balance my money that I actually earned, and here is some bank that comes in and can take it whenever they find ways to ever so easily cheat hard working people out of the money they ACTUALLY work for. For years now the Federal Agencies have come down on the unfair practices in the mortgage industry but I 'm quite certain if maybe the FTC gave a real good look into the un-fudged records of the many banking customers they would find a plethora of unjustified fees we have been charged and we have no one here backing us up and making sure we get treated fair and just. So in the matter of 48 hours Chase bank has taken {$68.00} of {$100.00} that is unjustified and they have found a way to manipulate the system to work in their behalf and there is no real way I can fight this. I have been with this institution since XX/XX/2011 and have dealt with several fees and I will gladly swallow the ones I have earned. But I have a real big problem accepting the ones I did not. Sure I could move to another bank and close this account but the reality is all financial institutions practice the same slimy way so nothing is actually being solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Wrong amount charged or received

Complaint: Hi, I used PayPal to send and receive money. I always say to take the money out of my bank account if I make a purchase so I can keep track of my purchases for film and tv purposes ( I work for XXXX ). However, my friend sent me {$500.00} AFTER these purchases were made and AFTER I had verification that these purchases came out of my bank account, and they used this as the money to pay with even though I had already told them to take it out of my account. Additionally, i tried to give the money back to the people on XX/XX/XXXX and XX/XX/XXXX, and PayPal Charged me twice. Once when they sent it and once when I returned it. So, I was charged {$30.00}. When I reported this, they said I was only charged once, but I can clearly see I was charged twice -- they told me i. i need this fixed in the system before I can withdraw money for tax purposes -- I need the XXXX, XXXX and XXXX charges to come out of my bank account, not the PayPal balance -- which came after I made the purchases over the weekend. I made the purchases prior to this..I was on hold and they told me I needed to talk to a specialist, but when they transferred me that office was closed. Additionally, when XXXX sent me money in XX/XX/XXXX, she also sent it the wrong way, I was charged XXXX and promised by Pay Pal to have this money refunded, though it never happened. The person at PayPal, said this money should not have come out in this manner and they apologize, but he said only a specialist can fix this for XXXX tax records. Can you help look into these issues for me? They owe me {$60.00} in fees that were promised back to me. Additionally, I need the monies to be canceled if they can not fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Federal student loan debt) with Performant Financial Corporation (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After several failed attempts to resolve an erroneous balance due on my student loans, it has been determined that I have to file a complaint to get somebody to review this matter. I was contacted by Performant Recovery several times regarding an outstanding balance due on my student loans FROM XX/XX/XXXX. The balance due has changed drastically over the weeks. My outstanding balance with XXXX was {$4100.00}. Performant Recovery is now handing this debt and I entered an agreement with them to repay the balance at a monthly fee of {$5.00} due to unemployment and inability to pay more at this time. Performant Recovery has changed the balance owed to {$17000.00} on XX/XX/XXXX, to {$18000.00} onXX/XX/XXXX, and it now sits at {$18.00}, XXXX owed as of XX/XX/XXXX. I have sent several requests for review to set up a hearing, to no avail.
As previously stated, I set up a repayment plan with Performant Recovery so my income tax would not be affected by this again. I then started receiving letters and phone calls from XXXX XXXX XXXX stating that if I did n't set up a repayment plan with them my income tax would be taken and my wages would be attached. I have not received an opportunity to review or dispute the balance they say I owe and have received any answer except " If I refuse to pay, they will attach my wages and take my federal income tax. '' Finally, my income tax was taken for the year XX/XX/XXXX in the amount of {$4300.00} to offset the student loans owed to XXXX, however this was never applied to my balance! Nobody can answer where the money went and they only transfer me to different offices when I attempt to figure out what happened to the money they took. That money should have settled the debt I owed to XXXX, but nobody knows where it went. This started with me owing XXXX  {$4100.00}. They offset {$4300.00}. That would leave my balance in the negative, but nobody will answer my correspondence to request a review. Hopefully this office can get something done in this matter. 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