milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Creditors Bureau Associates (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Creditors Bureau Associates   XXXX   XXXX   XXXX   XXXX   notified me approximately  one ye ar ago that I have a debt related to   XXXX   XXXX  . They stated that I could request evidence that the debt was mine if I did n't believe I owed the debt. I submitted the paper requesting such evidence but never received anything from  CBA prov ing that I owed the debt. I received two more dunning letters the latest dated  XXXX / XXXX / 2017 . I wrote a letter to the  CBA  on  XXXX   XXXX ,  2017 , asking again for evidence that the debt is mine but to date, I have not received anything in response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capital Accounts, LLC (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} CAPITAL ACCOUNTS , LLC o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (AR).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank Mortgage is refusing to report my account to the credit bureaus indicating the reason they are not reporting the account is due to the statue of limitations related to Chapter XXXX Bankruptcy that was filed in error in XX/XX/XXXX. The Chapter XXXX bankruptcy was never confirmed and the case was closed due to the error. I did however file a Chapter XXXX Bankruptcy in XX/XX/XXXX that was paid in full and discharged in XX/XX/XXXX. MY US Bank mortgage account was reaffirmed and the account is still open and active. The account reported to the bureaus through XX/XX/XXXX however it was deleted at the request of US Bank in XX/XX/XXXX. I have made several request to reinstate reporting but US Bank is refusing. The account is being paid on time and I would like it to report to the credit bureaus. I receive monthly statements which reflect payments I make and can provide those If needed.

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 08/13/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Other

Complaint: As a XXXX, past XXXX years had been extremely difficult for me. I started having issues on payments, and most of my credit debts were sent to collections. And recent years I have been trying to recover from this financial crisis. And that 's how I started making payments on my Discover card debts. Initially I 've contacted XXXX in XX/XX/XXXX to resolve issues on my debt, and my understanding was we have settled the debt by making consecutive payments of {$300.00} per month for a year. So I 've been receiving documents stating {$300.00} was being applied to the settlement balance until XXXX of XX/XX/XXXX Since then I was n't receiving any documents, it led me to think my payments had ended and account was finally settled. But beginning of this month, I ran a credit report and surprisingly found this account is still bad and even had a judgement on it. And when I spoke to XXXX XXXX at XXXX who represented the Discover Bank, I found out for the first time, I had to call them to re-authorize them to debit from my account when I stopped receiving the letter from them. And I found out after making more than {$3400.00} in payments, I still owe {$4500.00} when the original debt amount was {$5300.00}. I 've tried to seek a solution with XXXX, but they were telling me it was my responsibility to call and re-authorize them to debit from my account and continue making the payments. Despite of my lack of knowledge on how to settle any type of debt, I 've tried my best to resolve this matter and made prompt payments by automatic withdrawal. It is hard to believe, I still owe so much in interest when I 've already initiated the payments in XX/XX/XXXX and made {$3400.00} in automatic withdrawal. It is my sincere apology that I could n't repay the debt on time due to my financial difficulties, and I truly want to resolve this matter ASAP. I 'm an ordinary US citizen who did n't have any professional knowledge on how this debt repayment/settlement works ; please help me find a reasonable solution to this matter. As XXXX XXXX XXXX is not willing to help me in any way, I did n't have any contact to seek help. Could you please help me? 
Please let me know if you need any other information. 
Thank you very much for your help. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NJ).
Issue: Other transaction problem

Complaint: I use XXXX to buy cryptocurrency and every time I make a purchase XXXX tells me that TD Bank blocked the transaction. I 've tried purchasing Litecoin 4 times already for the amount of {$200.00} each time and it 's blocked every single time by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with CASHCALL, INC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Received a call from  XXXX   XXXX  from  XXXX   XXXX   XXXX . I advised her I am not allowed to receive personal calls at work.  XXXX   XXXX  threatened to sue me. I again advised her I was not able to speak with her while I am at work.  XXXX   XXXX  has also contacted my employer on his personal cell phone.  XXXX   XXXX  very verbally abusive during this entire call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Midland credit management has continually called me on my mobile phone after I not only registered with Do not Call, but told them not to call me during work hours on my mobile phone. I told them I prefer to deal with the debtor directly and for them to remove me from their list. In addition, I moved and was with out a LAN line for several months. Once the LAN line was up, they immediately started calling the new number. I again explained that I was going to deal directly with the company and not them, yet they still continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NH).
Issue: Account opening, closing, or management

Complaint: I was denied durable power of attorney over my XXXX-year-old mother 's checking and savings account due to a credit report. I was told I was at risk because of a cosigned student loan with my daughter that was in default which happened to be that with Wells Fargo. I was told that once this was cleared from my credit report then I could act on durable power of attorney from my mother 's Wells Fargo accounts. I have excellent credit and had no way of knowing this account was in default. This should not even matter. My elderly mother needs help with her finances and her bank has denied her that right of having me act as a durable power of attorney. All documents were recorded, certified stamped with seal as required by Wells Fargo. This denial took place at the XXXX South Carolina branch. After much research and phone calling, I concluded that this is the practice of Wells Fargo in general.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Medical) with Valarity, LLC (AR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX/XXXX/15 I sent Valarity LLC a certified letter stating I was aware I owed a past due balance of {$1600.00} but I am on XXXX I do currently have a financial assistance agreement with XXXX Valarity as their collection agency. I asked Valarity not to call me anymore but to send communications via mail. They received the certified letter on XXXX/XXXX/15. Since then, Valarity continues to call XXXX a day. I recognize the phone number, so I do not answer the calls. I was advised not to speak to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello. This is not a debt. This bill was paid to XXXX in XXXX XXXX. What happened was they said they would send me a check for the balance they owed me because I cancelled my service, and it was pro-rated. I was not under a contract. That was in XXXX XXXX. I waited and waited, but no refund ever came. I contacted my credit card company in XXXX XXXX, and they reversed the original XXXX payment back to my card. Then, the next day, I received a check from XXXX in the amount of {$38.00}. I was like fantastic. I called my credit card company back, and told them to re-charge my card with that amount, that XXXX had issued me a credit. They did, and I thought everything was taken care of. Then, in XXXX XXXX, XXXX sent me a bill for that same amount, {$38.00}. I called them, and they had me basically transferred around to about 10 different people. When I did speak to them in XXXX, I was told that XXXX does not give refunds to customers for services that they do n't use when they cancel their services. '' What this meant was they bill you an amount, and if you cancel, even after 1 day, they keep your money. I sent them proof from my credit card company, statements. I even had XXXX XXXX XXXX on a 3-way call with XXXX, and they said a supervisor would call me back. It 's been 12 months and counting. I paid this bill. I have the proof, and XXXX, nor the XXXX other nasty credit debt collectors would listen to me or look to see that I paid them. Now, this balance has been passed to a 3rd debt collector with a 'settlement amount '. I do not owe this money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with SIERRA PACIFIC MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have made payments on this loan in the amounts shown on the payment coupons and statements. Sierra Pacific has not applied the funds to the loan and are now charging me interest and penalties and are threatening foreclosure. They have done this in the past and I am always wondering how many innocent people they actually cheat and steal from. How can they still be in business. They have done this to me 2 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per XXXX XXXX. My equifax score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Confusing or missing disclosures

Complaint: I used my ETH wallet address on Coinbase account to receive XXXX tokens in XX/XX/XXXX.  However, at that time I was not notified that the Coinbase actually do not support XXXX tokens. I emailed the Coinbase support team on XX/XX/XXXX regarding this issue and they did not get back to me until XX/XX/XXXX. In the email they told me the tokens were not supported and they could do nothing to recover the tokens. 

There are at least two things Coinbase could improve in the future : First, as everyone understands, unlike other traditional financial assets, digital currencies such as bitcoins are of extremely high risk and digital currency transactions are irreversible, as such, Coinbase should have put up warning signs in a more obvious spot on their main page. Even though there is an article XXXX and XXXX on their website, you have to try very hard to find it. Also, there should have been a warning message prior to each transaction to make sure customers fully understand the potential risk and the proper procedures to follow. 

Secondly, I believe every customer of Coinbase should have full control of their digital assets. We pay for the service fees and as such we deserve to have full access to our digital assets. If unsupported tokens are accidentally sent to Coinbase wallet, Coinbase support team is obligated to at least try to recover the tokens for the customer instead of doing nothing at all. Imagine if your credit card was stolen and you lost your money, I believe the financial institute who issued the credit card ( e.g. XXXX XXXX, XXXX XXXX XXXX, XXXX, etc ) would try their best to find the money for their customers. So should Coinbase.

The total value of the tokens are {$4500.00} as of XX/XX/XXXX ( per XXXX.XXXX ) and the loss of the tokens is a huge loss to me. I am hereby requesting Coinbase to be fully responsible for losses caused by negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: This school is complete fraudulent I attended the school without a high school diploma and they offer me job replacement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my GED so that was n't the problem moving forward.i wrote them I disputed because im willing to take legal actions to get my money back so I could receive a loan to go to another school

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Medical) with Midwest Recovery Systems (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest Recovery Systems reported a collection debt to my XXXX Credit file on XX/XX/XXXX for {$300.00} medical bill. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX monitoring service, I was told this was a medical office debt with XXXX XXXX for XX/XX/XXXX and that the debt was sold from another collection agency ( XXXX or XXXX? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX. This caused my credit score to drop XXXX points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. If the debt was originally occurred XX/XX/XXXX then it would make the debt 6 1/2 years ( six and half years ) old now which I knew nothing about. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a Student Credit Card Journey when I had turned XXXX and at that time attended XXXX in XXXX as a XXXX and working only part-time and Capital One knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX College full-time while working only part-time until XX/XX/XXXX when I relocated to XXXX for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. In XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told Capital One this at the time. Never got a response. To date, I had never received any correspondence from Capital One other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from XXXX threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. Capital One has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel Capital One Bank ( USA ) , N.A . along with their attorneys XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. Capital One has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit Report score was not adjusted to represent items removed from credit report. In the XXXX XXXX I had XXXX negative accounts on my credit report and a score of XXXX. This XXXX XXXX XXXX accounts were removed and my score went up to XXXX. Several of the accounts removed were charged offs and foreclosures and my score only improved XXXX points. It appears that XXXX is not taking into account the delinquency reason/severity, such as removal of charge offs and judgements, in their calculations. Also, several companies that have negative information on my credit report do not properly reported the delinquency history of the account making it difficult to dispute an account. XXXX of the accounts is XXXX XXXX XXXX, which reported the account delinquent in the year XXXX. The account was opened in the XXXX XXXX. But no History appears for that year. Experian only allows to dispute an account once. After that XXXX time dispute the company makes it very difficult to dispute items. Experian does not have a contact email to write to them directly making it difficult to contact them. Phone calls are not the best method to contact a company since there is no paper trail to connect the customer with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Please validate Student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Curious what my option are given Navients recent lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Medical) with PMAB,LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was billed on XXXX/XXXX/15 for the ER doc who saw my son XX/XX/XXXX. The initial insurance payment left me owing a balance of {$520.00}. After talking with the insurance carrier - XXXX at the end of XXXX, the insurance company reprocessed the bill, because it was initially coded wrong, and the entire bill should have been covered. I let the ER physicians billing office know and they said they would put a hold on the bill and indicate it was being reprocessed. I got a collection letter XX/XX/XXXX for the {$520.00}. After calling my insurance, I learned they paid the full amount on XX/XX/XXXX electronically and it cleared with bank on XX/XX/XXXX. The ER doc 's office ca n't find a record of this, but I have the EOB and the draft number of the cleared insurance payment. They wo n't communicate with the collection agency to let them know it is being researched. I 've called the collection agency. I 've been told that the {$520.00} was my " deductible ''. This is n't true. I have also provided them with a copy of the EOB. I continue to get calls from the collection agency, despite providing proof to payment to the ER physicians via the EOB.

Company response to consumer: Closed with explanation