milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with SCOTTRADE BANK (OH).
Issue: Using a debit or ATM card

Complaint: Someone has stolen items from my wallet and accessed my computer and/or home network and sucked almost {$8000.00} from my checking account via my debit card. As I have already told Scottrade, there are many people that come and go from my home on any given day. So, it 's likely one of these individuals is responsible for what has happened. Now, I 'm on XXXX and have spent the majority of my time in bed for the past 30 days. Because of this, I have n't been aware of what 's been happening with my debit card. 
Of course I complained to Scottrade who basically blew me off and did n't even look into the matter. They denied my claim in less than a week and gave me their reasons for doing so. Their reasons include that the IP address seems to be consistent ( no kidding, duh ), the Scottrade account was accessed over XXXX times in the past month ( not surprising for a crook ), and they sent a fraud email that someone replied to that said the charges were valid ( this was NOT done by me ). Now, because of these things, they just assumed I must have done it. The people " looking into this '' are either extremely stupid or extremely lazy! 
There are several charges from a XXXX that according to them has my email on one of their accounts. This might be true, but it does n't change the fact that I did n't create an account with them. I have n't used my computer in months and rarely use my email. But Scottrade refuses to listen. They just take the easy route. 
So I did my own research on XXXX and learned they are some kind of options broker. They are unregistered and unregulated which makes them illegal in the United States. Being a broker themselves, Scottrade should know this. Also, what reputable brokerage firm would accept credit/debit cards as funding options? This is clearly a scam! I am including an attachment from XXXX that states the brokerage must be registered with the CFTC and the SEC to operate in the United States. Otherwise, they are illegal. XXXX is therefore illegal! I sent this attachment to Scottrade who apparently did n't read it. So, if Scottrade ignores the fraudulent transactions based only on circumstantial evidence, they ca n't argue with the illegal nature of XXXX. They should at least reverse those charges!

Company response to consumer: Closed
Consumer complaint received 12/14/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've disputed my XXXX account balance with Equifax several times since 2014 and the account was never removed due to it 's inaccuracy. In doing so, I informed Equifax that the my credit report from their company state that XXXX balance is {$0.00}, about XXXX year later it was changed to a balance of {$27000.00}. This is misstating the balance due, which is considered a violation of the FCRA and should 've been removed. 

Also, I contact XXXX about it 's inaccuracy, wherein they state that accurate account information has been reported to Equifax. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit card () with DISCOVER BANK (CA).
Issue: APR or interest rate

Complaint: I called DISCOVER card to pay my balance in full with the interest included. I specifically told the representative on the phone that once my bill was with interest was paid in full that I did not want to be contacted in any way, not by mail, email, or phone calls. Discover clearly did not log my request down. I also told them that " I wanted my card account closed and my credit report to state '', " account closed by the consumer and all negative and late payments removed from my credit report. '' Despite all my request to DISCOVER card I am still receiving letters in the mail stating that I own them {$150.00}. The letter balance has me paying {$7500.00} but they stated I only paid {$7400.00} in the current balance so they can continue to harass me for money and try to nickel and dime me for more money. I want the harassing letters, email, and phone calls to stop. I also told the Discover card representative to delete my personnel and bank information since my account is closed with them and there is no need to have that anymore. DISCOVER card told me that they would not only be keeping my personnel information but they well be storing it for sometime to do what ever they want to do with my info.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: previously and on X/X/2017 XXXX XXXX XXXX XXXX called my work place XXXX XXXX XXXX making threats to my boss and giving personal info. this action almost got me fired. the claims are unfounded, there trying to collect on a debt over 9 years old and statue of m limitataions has already ran its course.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Debt collection (Federal student loan) with Progressive Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They were sending my information to the wrong address, by the time I received the information, it was almost past the 30 day cut off and it was a weekend. I called them the first thing Monday and gave them my information and was told that I notified them in time. I sent her ( XXXX ) the personal and financial information that she requested and she used it against me. Two weeks later they started garnishing my wages for {$500.00} plus a month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Incorrect information on my file that may be leading to fraudulent accounts being opened in my name. Please see attached document

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 10-06-2017 about Student loan (Private student loan) with SLM CORPORATION (MN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I had to go on long term XXXX XXXX XXXX, XXXX. I called Sallie Mae asking for different payment arrangements fur to me not working. Sallie Mae would not work with me or offer me any type of forbearance in which I did n't have to pay a fee. They call me relentlessly and my family and I have reached out to Sallie Mae calling them back and they offer no options for someone like me on lomg term XXXX. The last person I talked to threatened my account would eventually be taken to court for XXXX. I asked him why XXXX was willing to work with me ( another private loan I have XXXX and why they wo n't. He said there are no other options available for me and he will keep my account in collections. So I asked if he was going to quit calling my extended family and myself relentlessly since he does n't have any options for me and he said no. They call my extended family and myself at least XXXX times a day and when I answer they do n't help me. The fourth time I called Sallie Mae the lady I talked to asked if I had a friend that could pay my past due amount of XXXX. This company has been harassing me when I have told them I can not afford payments at this time and they offer no resolution when they do harass me. Before my XXXX I made each Sallie Mae payment on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have a closed credit card account with CitiBank. I paid the remainder of the balance of {$790.00} on XXXX/XXXX/2016. I believed that the balance owed was cleared. Then I got a bill in the mail for {$8.00} for interest charged on XXXX/XXXX/16. I called to complain and the customer service rep that I owed interest on the balance because interest was still accruing until the day that I paid. I asked where on the bill does it say that I need to pay by " this date '' in order for the interest to stop accruing? I could n't get an answer. Credit card companies should make it clear you need to pay by a different date and not the payment due date. I asked to have the interest waived - they said " no ''. On the bill it says : " As a reminder, we charge interest on the account balance until we receive payment in full. ''

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX   XXXX   XXXX   XXXX  OFF my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement.  XXXX   XXXX   XXXX  Continues to Report the account delinquent on my credit reports  7  + Years after I settled this account for less than full balance.  XXXX   XXXX   XXXX   Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the nex t 5 to 10  days.  XXXX   XXXX   XXXX  Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but   XXXX   XXXX   XXXX    was Not interested.     The Original dispute Involved   XXXX   XXXX   XXXX   Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away

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 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried reaching out to this company to ask them to please verify the debt showing my identification being used because the debt their reporting is not mine. Im a XXXX vet with XXXX and had my car broken into and items were stolen.

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 05/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Fed Loan com plain with consumer finance.gov aka CFPB I was given inaccurate information regardin g Income Based Repa yment options.   I had previously been informed thro ugh FedLoans webs ite that tax return information was needed to re-certify my repayment plan.     A representative later told me, that was n't true. I could have provided income stubs at the end of  XXXX , months ago, in order to have my issue resolved by now.     Now my affordable, income-based re-payment plan has expired. It will take months for the plan to be re-instated and interest due will be capitalized as a result.     I could have avoided this situation had I been given the proper information at the end of the year. The information could have been included with a mont  hly FedLoan billing statement.
The misinformation will cost me money. In the Information Age, I   do n't understand why it takes months to verify my adjusted taxable income. There has been no meaningful change compared to the  XXXX  Tax Year.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with WELLS FARGO & COMPANY (AK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: -Wells Fargo harassed a XXXX and violated both protective orders and his civil rights under the Fair Debt Collection Practices Act -Wells Fargo perpetrated XXXX-fraud and financial exploitation by creating a fraudulent line of credit, charged to a senior 

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 12-12-2017 about Debt collection (Other debt) with Armcon Corp (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Per trying to resolve a debt the gentleman that I have spoken with on 2 occasions has been threatening, aggressive and never letting me resolve this debt, the interest etc, has sky rocketed and added more to the debt. 
He has hung up on me and refused to let me take care of this. 
This is unfair and I am not able to take care of debt and the amount keeps going up.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Other fee

Complaint: I am being assessed a foreign transaction fee at Bank of America for the privilege of paying a bill to a company that is based in the XXXX but where the money is being paid to an account here in the United States. Whom do we talk to about protesting this fee?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Credit decision / Underwriting

Complaint: I have had been paying the mortgage on my home since XX/XX/2009. Shortly after my ex wife and I divorced, she filed Chapter XXXX bankruptcy. I kept the house and continued to make my mortgage payments. A few years later, I had to file XXXX XXXX because of some of her debt that had been sent to me. My XXXX XXXX has been XXXX for almost a year. My mortgage company refuses to report to the credit bureaus that I have been making my payments. It is affecting my credit and I can not get pre approved for a new home loan if I sell this house because of it. I have been in contact with them numerous times and they refuse to report, even though my Chapter XXXX has been XXXX. On my credit report, it even shows a balance of {$0.00}. They are now telling me that they will not report because of my ex wife filing Chapter XXXX, even though I was awarded the property in the divorce. They are telling me that I will need to refinance and it will cost me several XXXX more dollars. I do not think that this is fair because I have been making payments on my house this entire time. It is extremely frustrating when I am trying to do what is right by making my payments and I get this response from them. I would like some help or guidance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Medical) with Healthcare Receivables Group, Inc. (SC).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I went to the hospital in 2010 when I XXXX in a four wheeler accident. I had XXXX taken and was told it didnt seem too bad as I looked at the XXXX with the nurse. The doctor decided XXXX would be a good idea. I made the decision to not have the XXXX considering I had no health insurance at the time. When I was explaining that I would not need the XXXX, the staff and my father decided to persuade me to have the procedure. At the time they were giving the best help possible. I informed the staff and my father that I would be leaving without XXXX, and at this time they decided to hook me up to XXXX XXXX to prepare me for the XXXX. When the staff left I looked at my father and told him I am leaving, and now I 'm being billed not only for the x rays but also the XXXX XXXX which were hooked up after I tried explaining that I was not having the XXXX. I removed the XXXX and left the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been trying and trying to get this judgement off of my credit report with Equifax or at least mark as paid, I have the receipt and Equifax is not doing anything. This is affecting my credit and I 'm really not understanding what else needs to be done. Please see the attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase, without adequate warning, restricted access to my accounts both with Coinbase and their sibling company, XXXX. 

I have been unable to log into XXXX for nearly 20 days and as such my funds have been held hostage. I have done everything they have asked me to and yet I get nothing but silence from them. I can not see or verify that my funds are safe, nor am I able to transfer money or other digital assets in, or out, of their service. 

I hear horror stories that some people have to wait upwards of over a month before getting their cases resolved. I consider this criminal! There are significant tax and financial implications as a result of their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IL).
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: I 've contacted Navient and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. Navient has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my Navient accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due ( XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXXX 2014 be removed and set to current. As soon as I contacted Navient they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I have been going back and forth with my Mortgage company, which is Wells Fargo Home Mortgage for about nine months. I have asked them to drop my ESCROW account. I am paying for my homeowners insurance and taxes out of my private checking account. 
At XXXX they said they could not drop it because it was a veteran loan, I contacted the veterans administration and received proof from them that I no longer need ed to have a ESCROW account. I gave this proof to Wells Fargo Home Mortgage, and they changed their mind and said they would not drop it because they did not want to. I gave them proof of my payment to my homeowners insurance and taxes, which I pay for yearly. They still refused, meanwhile the ESCROW account keeps growing because they have nothing to pay. I have contacted them many times. Can you help. I will gladly give you all the information you need. 
Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (FHA mortgage) with Selene Finance LP (NC).
Issue: Settlement process and costs

Complaint: We 've been modified for a loan at XXXX XXXX XXXX, after they approved the modification. They sold it Selene finance, and they ask me to pay XXXX trial payment which I did, they said give the another month to finalize the loan, but they have n't done anything. They keep on telling me next month, it has now been six months since they gave me the final modification.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Balance transfer fee

Complaint: I was sent 0 % promotional balance transfer checks for my Citi credit card. The letter attached with the checks said in large letters at the top " 0 % Promotional APR on Balance Transfers until XXXX/XXXX/2016. After that, your standard variable rate applies, currently 11.99 % APR. The standard balance transfer fee is {$5.00} or 3 % of the amount of each transaction whichever is greater. '' However, apparently the balance transfer fee that applied to the checks needed to use the 0 % offer is 4 % of the amount of each transaction. This is extremely misleading advertising, I decided to use XXXX of the checks to consolidate balances on other cards assuming a 3 % fee, however I was actually charged 4 %. I transferred {$10000.00} using these checks, so I ended up spending {$100.00} more than I expected based on the rate listed on the letter accompanying the checks. The reference numbers at the bottom of the letter are " XXXX -- XXXX -- XXXX '' and " XXXX -- LOT XXXX ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: it is portfolio recovery. I have asked them to stop calling me and the calls continue and the debt has not been proven to me at all.

Company response to consumer: Closed with non-monetary relief