milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received a letter on my job in reference to an outstanding balance of {$1000.00} on account # XXXX. The letter reference the balance and advised its an attempt to collect debt. Further down in the letter it stated " If our client initiates a lawsuit and obtain a judgment against you, the may pursue their lawful recovery options, which may indicate any or all of the following based upon legal procedures allowed : Garnishment of wages ( states excluded : XXXX, XXXX, XXXX, XXXX ), liens placed on property including automobiles, real estate, or other real property, and seizure and auction of personal property. They were contacted on XXXX/XXXX/16 and was advised a payment would be made on XXXX/XXXX/16 which is a Saturday. I was contacted by phone on XXXX/XXXX/16 at XXXX from XXXX by a gentlemen asking me questions about why my daughter made the payment arrangements, why did n't I call and then stated my wages would be garnished and was trying to help me out. I was very uncomfortable with the call and the reason why this gentleman was asking questions by daughter and the threat issued. Unfortunately I was n't able to catch his name because the call really made me nervous and uncomfortable. I was advised he and the company violated the fdcpa laws by issuing a threat to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My wife and I have been subject to family credit card abuse. In   XXXX    2016 my wife allowed our daughter to use our Discover card for 2 rent payments. Our daughter and our estranged son-in-law used that card for other purposes, and when my wife canceled it, they originated a Discover card of their own with my wifes info and had it mailed to themselves and then they made thousands of dollars of   XXXX   XXXX    purchases, cash advances, etc. We have cancelled the Discover card at least 3 times to stop this abuse. We have filed the required Police report. We have talked to Discover over 20 times, for probably over 30 hours and they have found 'no fraud ' because of my wifes earlier allowance of the use of the card info for 2 rents.   XXXX   XXXX  ,   XXXX   XXXX     XXXX    XXXX   XXXX   have all found and substantiated 'Fraud ', yet Discover has n't. We have provided them all of the fraud transactions, and have sent them a 4 page letter detailing all of this. Every time we call the Disc. fraud dept. we get a different person, and they say they will not investigate further. 2 withdrawals totaling {$11000.00} thru   XXXX   XXXX  ,  XXXX  Pa, in  XXXX  still have n't been investigated by them, and we are fearful that pertinent information about those may be lost due to Discovers inaction. Discover disregards the fact that we canx 'd at least   XXXX   cards in a period of a few months to stop this abuse. Without this getting resolved we ca n't get our relationship back with our daughter and that is killing us emotionally!

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XX/XX/XXXX. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX XXXX. Although, the company has not responded. I expect that it will be resolved quickly.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Former address is incorrect. 

Equifax Former Address XXXX XXXX XXXX XXXX CALIFORNIA XXXX Equifax I have never lived in California and I believe this address may be connected to someone who lived there stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Unexpected or other fees

Complaint: On XX/XX/XXXX, I was unable to login to my XXXX account where I had just purchased XXXX worth of Bitcoin and Litecoin earlier that day. I was quickly prompted with a message that I should contact Coinbase Customer Support. However, I was confused on why I was unable to access my XXXX account because I did not receive an email on why my account had been temporarily disabled. I contacted Coinbase on XX/XX/XXXX and was told the reason why my XXXX account had been disabled is because my XXXX credit card company had reversed an order on my account. However, even though I had that credit card linked to my account, I have never used that credit card to purchase any cryptocurrency on my account. I only used my bank account to purchase cryptocurrency on Coinbase. The customer support representative then went on to tell me that in order to regain access to my XXXX account I will need to pay {$3200.00} dollars. I paid the {$3200.00} with my card and was told I should regain access in 3-5 business days. On XX/XX/XXXX, I logged onto my Coinbase and noticed they had taken XXXX dollars worth of bitcoin from my account after I had initially paid them {$3200.00} they had wanted. I contacted Coinbase that same day and was told they only accept cryptocurrency as a form of repayment after the fact I paid them via credit card as the site allowed me to. After discussing, the situation with customer support they told me I should immediately regain access to my XXXX account and should be able to buy, sell, and send cryptocurrency again since everything was paid off. It is currently XX/XX/XXXX and I have contacted Coinbase and XXXX multiple times and I continue to get the same response : Your ticket will be handled very soon and you should have full access in 4-5 business days. I honestly do not care that I paid twice for a charge that was never made on my account, I just want access to my XXXX worth of coins that currently stuck in XXXX. My ticket number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Struggling to pay mortgage

Complaint: My husband and I are about to lose our home do to foreclosure. Our lender is Mr. Cooper ( aka Nationstar Mortgage ). We have fallen behind because my husbands identity was stolen and them I was scammed by people that said they were working out of XXXX, XXXX. We lost about {$10000.00}. We need help getting caught up with our mortgage company. Mr. Cooper referred us to the Hardest Hit  program in XXXX 2017. Since then we have been working with them just to have them call us today saying that we do not fit into any of their programs. I understand that this during time we celebrated XXXX, XXXX and XXXX XXXX but that should not have mattered putting us farther and farther behind on our mortgage. 

I have jumped through hoops getting them information with less than 24 hours notice. I cooperated with them completely just to be told that they can not help us. Hardest Hit should be closed down so that all of the employees can feel how I am feeling now. I suffer with chronic XXXX and all of this has put me into a deeper hole not wanting to even leave my bedroom or my bed. 

During this time I only received two phone calls from them all other communication was via email. Not very friendly in my book and a total lack of customer service. What if I did n't have email skills what would have happened with the Hardest Hit people? 

After hearing the news today I totally collapsed into a place that no one should ever be in. I have now regrouped and am I am trying to fight back against such a horrible government agency. Hardest Hit has been in trouble before sqandering money that should have been going to the tax payers. The only information that the Hardest Hit people suggested that I do is go back to my lender and see if they are willing to help us. 

Mr. Cooper is sending me papers so that I can apply for a modification program that is going to take at least another two months that will just put us farther behind on our mortgage. Mr. Cooper said that the money owed will just be added to the end of our loan and let us go back to our original monthly payment. Until all of the scamming, identity thefts and bank problems my husband and I always paid more on our mortgage reducing the amount several thousands of dollars. 

MY husband is a XXXX XXXX XXXX veteran and we never knew that he was entitled to XXXX because after returning from XXXX XXXX he was diagnosed with XXXX and because I had a good job his medical benefits were always paid by my employer. The US government saved a bundle of money because this was over a forty-five year timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9  missed payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for year    2015  showing a payment every month to  XXXX  Web Pmt Single - Online Pm t Sls

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Federal student loan) with Southern Management Systems Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I 've called this company at-least two times a week. They will not give me a proof of my bill. There 's never a manager available, They wont even work out a payment plan with me. This student loan is causing a hold on my student account which means I can not transfer to any other schools to further my education.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing these items through the credit bureau and they keep them on my report. There is a car loan listed through Capital One, that was updated on XXXX as a repossession on a vehicle that I still have and that is n't on repossession status that I still have and I am current on. Also, there is a credit card listed on my credit that does n't belong to me. I have never had a credit card ever, with Capital One. I need this removed off of my credit immediately. I called them to rectify this, but they say that it is n't in their system, but I have proof from my credit report on both issues showing this. I need this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is the SECOND COMPLAINT against RUSHMORE LOAN MANAGEMENT SERVICES, LLC, XXXX FORECLOSURE and many, many others that you will see in my attatched documentation. 
We are being ILLEGALLY FORECLOSED ON by Rushmore Loan Management Services LLC, XXXX Mortgage for the XXXX XXXX, XXXX XXXX ( illegal trust! ), XXXX Bank XXXX XXXX, XXXX Foreclosure XXXX on XXXX/XXXX/XXXX. 
After submitting our last complaint in XXXX XXXX - NOTHING was accomplished!! We are STILL BEING ILLEGALLY FORECLOSED ON!! In California, we do NOT get the LUXURY of DUE PROCESS, and we CAN NOT take our case before a judge. Only if we have the XXXX +++ to do so. We do NOT. So, I ask you, CFPB, besides writing a little letter to these CRIMINAL ENTITIES, WHAT ARE YOU GON NA DO ABOUT THE CRIMES COMMITTED AGAINST US??????? I am submitting to YOU today, ALL DOCUMENTED FRAUD on our original loan documents, that Rushmore and XXXX feels that they have the right to use to ILLEGALLY FORECLOSE ON US!! I am sick and tired of submitting ACTUAL PROOF OF FRAUD AND OTHER CRIMES to Government Agencies - who by the way, take our hard earned tax payer dollars, and all they do is tell us that they CAN NOT help us! WHY NOT????? Let it be KNOWN, LOUD AND CLEAR, FOR ALL TO HEAR, that the Government Agencies that we go to for help, TURN THEIR BACKS ON US HOMEOWNERS, and let the BANKSTERS and their PARTNERS IN CRIME get away with STEALING AMERICAN CITIZEN ( and others ) HOMES!!! SEE ATTATCHED DOCUMENTS FOR MY COMPLAINT HERE ... ... AND I WILL MAIL YOU HARD COPIES OF THEM ALL ... ... ... .I HOPE YOU ACTUALLY GO AFTER RUSHMORE, XXXX, XXXX XXXX XXXX FORECLOSURE AND ALL THE REST THIS TIME ... ... ... ... ... .... I WILL NOT HOLD MY BREATH.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: Capitalone 360 did not honor a check they say they would honor as a XXXX time couresty.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a Chevron and/or Texaco Techron Advantage Advantage Credit Card, which is issued by Synchrony Bank ( XXXX ). They failed to reissue a renewal card in XXXX 2016, and then later closed my account. They gave me no notice that they closed the account - I had no idea until I logged in to check the account and found I had no credit line. I have never used this account - not once. When I spoke to XXXX ( Agent XXXX ), she said that they closed it due to " inactivity '' and that they would not reopen the account, but I could apply once again. This is improper, unfair and abusive. Any time the credit grantor closes an account, it is a negative hit to the credit report. I did nothing wrong. I did nothing to violate this company 's trust. Yet, they just caused a negative hit to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Debt collection (I do not know) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account is listed under XXXX SUPERIOR COURT claims I have a driving ticket debt of {$1400.00}. 
This account is listed under incorrect middle and last name and a address I never lived at. Also states it was a XXXX in 2010. I do not recall owning a XXXX. Please investigate this debt it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives. <P/>I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.

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 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this fraud account that is being reported on my credit report to TransUnion account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. TransUnion performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

TransUnion ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft 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 explanation
Consumer complaint received 10/28/2016 about Payday loan () with Enova International, Inc. (VA).
Issue: Can't contact lender

Complaint: XXXX XXXX XXXX XXXX I am disputing this loan based on that it is impossible to pay it off at 98.8 %. I do not want this company debiting my checking account until we come with a resolution NetCredit responding about indicate my account is in delinquent status. Last week, I did not pay {$160.00} due last week due to concerns about the interest rate and waiting for a resolution. 
NetCredit claims that they contacted me regarding the status of the account and said I was unwilling or unable to talk with us about my account. I have talked to NetCredit on numerous occasions and was told that the legal department would contact me. This was over 3 1/2 weeks ago. I have tried to talk with the representatives about my account and working out a plan but I am either being talked over when I try to work out a solution and even had a supervisor laugh at me stating that I will pay over {$7000.00} for a {$3900.00} loan at 98 %. 
NetCredit claims that they values me as a customer and strives to provide the ultimate customer experience and ask that I contact our Customer Service Team at XXXX, to discuss possible options regarding the account balance. I have called and spoke with them about 10 times within the last 3 1/2 weeks .NETCREDIT WILL NOT WORK WITH ME OR DISCUSS ANY OPTIONS WITH ME. THE REPRESENTATIVES I SPOKE WITH SAID THERE IS NOTHING THEY CAN DO TO WORK WITH ME. I AM APPAULED THAT THEY have FABRICATE to a FEDERAL AGENCY. All I am asking for is to take the interest away from this loan and allow me to make monthly payments that I am able to handle. I understand my responsibility of the balance of the loan but they do not work with their consumers, instead make a profit with predatory lending practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Initiated a wire transfer from Coinbase to my bank account in early XX/XX/2017 for the amount of {$10000.00} USD. 

Despite having opened two separate support tickets with Coinbase, and sending multiple followups to each, we have not received more than one ( auto-generated ) response from Coinbase, merely telling us to wait a few days longer. 

It has now been almost two months ( 60 days ), and still no further reply from Coinbase, and the transaction has not yet been sent to our account. This delay and non-responsiveness is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Deposits and withdrawals

Complaint: Stopped payment from checking account on XXXX XXXX, 2016. TD Bank went ahead and accepted payment on XXXX XXXX, 2016. When payment was returned they charged me a {$35.00} overdraft fee. When I objected to this fee they refunded the fee because they were in error. Now they are trying to slip by another fee, a maintenance fee, because when they processed the stopped payment the account also went below the monthly minimum balance. I object to this scam as it is clearly a way to extract additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received a call this morning at XXXX from an auto dialer at Citibank, in order to collect on a credit card which is past due. I then received a call at XXXX from the auto dialer on the same issue. The citibank employees when the calls were transferred to them from the auto dialer had not read the notes or prior contact or payment arrangements which were entered into their system twice over past XXXX weeks.

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 09/29/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (MA).
Issue: Account opening, closing, or management

Complaint: I signed up for a department store credit card and registered for online account as well. I received some personal financial notifications from them in the form of emails and noticed that those documents are not secured. They are available for anyone to access and see my personal information which includes full contact information and some of the credit card numbers.

Company response to consumer: Closed with explanation