milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: I amm complainning about Macy '' s Dep [ artment stores. I opurchase one wimming suit. sale person offer their credit card. So i took therio credit casrd and charged it. after I paid full amount of puchase of swimming suilt. they told me my payment was late and charged late fee of XXXX dollar and interest XXXX i told them I want ot cancell and close ltheir credit card. i do n't want to use their credit card and told them I do not want to business with them. they do not listen to me and keep charge the late fee. and last statement I owe them XXXX cent. please help me to solve this kind of problem. My account number withs them XXXX My day time telephone number si XXXX.

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 07-06-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: A claim was filed for item not received on or around  XXXX   XXXX , an item from   XXXX   in the amount of  XXXX . An affidavit was signed, faxed in, verified received by Suntrust claim  rep ( s  ). I received a letter shortly after from a  XXXX , claim rep, asking me to call him as he needed to know what the item is that is missing, which was already stated to rep who took claim. Several calls were made to reach him, left several voice messages, none returned. A  XXXX   XXXX  was ordered, missing from box, this was detailed in claim.  XXXX  reps refuse to refund, will only reship item,  XXXX  will not investigate further was claim was closed on their end by mistake and will not reopen it. I received a letter from Suntrust today, in regard to case  XXXX , stating it is now closed as I did not provide information they requested in a letter dated  XXXX . I believe this is the same letter from  XXXX , asking what the item is that was ordered. The claim rep I spoke with today,  XXXX , stated investigation is still open, which is contrary to what letter states

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 11/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (MI).
Issue: Money was not available when promised

Complaint: I received the following email and Western Union will not release my payment to XXXX XXXX or back to me. I feel this request is not safe over the internet and should not give my personal information across the internet. There is no address or phone number on the email so to me it a scam. However, Western Union is now holding my money and will not release it which is causing me stress, as this is a car note payment that is currently in collections. 
Dear XXXX, On behalf of Western Union, we want to inform you that your recent transaction is currently on hold under security review. In order to continue processing, we need to verify your identity with a front-and-back copy of a government issued photo ID ; e.g., passport or drivers license. Please reply to this e-mail ( XXXX ) with a copy of the ID and its translation into English plus the following information : Your current address Your city of birth If you have any further questions or concerns, please contact our local Customer Service Center at the number indicated in your receipt with your tracking # ( XXXX ) available for assistance. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information transmitted, including any content in this communication is confidential, is intended only for the use of the intended recipient and is the property of The Western Union Company or its affiliates and subsidiaries. If you are not the intended recipient, you are hereby notified that any use of the information contained in or transmitted with the communication or dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, please notify the Western Union sender immediately by replying to this message and delete the original message

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Called in to customer svc to make XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.

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 03/23/2017 about Credit reporting () with Navient Solutions, LLC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: DEPT OF ED/NAVIENT failed to properly report that the account was closed, instead it sent it to collection and it forces me to pay higher interest rates and loose a home before rates went up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Closing/Cancelling account

Complaint: I tried to log in to my XXXX Credit card and was not able to. When I called, i was told by the customer service representative that the account is closed due to inactivity. I did not receive any information that my account is going to be closed due to inactivity and having the account open since XX/XX/2011, i did not remember the terms and conditions. I asked for the terms and conditions to be sent to me so i can confirm that indeed that account was closed accurately and was advised that i will receive the terms and conditions in mail. couple weeks later i received a letter advising that XXXX XXXX Synchrony Bank XXXX does not maintain copies of credit card agreements for closed accounts. So there is no way for me to know the accuracy of closing my account.

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 07/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Bank of America 's claims department oversight and lack of supervision has repeatedly set me at a financial disadvantage. For instance, when merchants reimburse or refund before the temporary credit is applied. The bank overlooks these refunds and adds an additional credit leaving the client owing an excessive amount or having to pay back. This time the merchant reimbursed me on the XXXX of XXXX and BOA ignored this transaction and applied the temporary credit after I was reimbursed. I was unaware until a reversal posted of XXXX. The bank tends to do this allot in my account and I am held liable on every transaction. Furthermore, the bank has a habit of extracting funds from a checking to put into my savings when funds are not available. This also leaves me at a defecit and fees are imposed.

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 06/24/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have a problem getting my free annual report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
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: I agreed to have XXXX take out XXXX a month for credit monitoring. They suddenly started 4 months ago taking out XXXX. I called XXXX and I got no response. I also called Barclays and I talked to a manager named " XXXX ''. He is refusing to give me another credit card number. He is also refusing to investigate the charge because he says I need a copy of the contract. I do not have a contract. They are obligated to contact XXXX.

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 02/20/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I spoke with a handful of different representatives today ( XX/XX/18 ) at XXXX for over 30 minutes. They all passed me on to the next until I demanded to speak with a manager. I asked the women to consolidate my 7 separate loans and she said that was impossible because they have different disbursement dates, and to Navient it only shows up as one loan for me. However if I miss a payment, my credit score reflects it as seven late  payments. Therefore making it harder to bring up my credit score and  refinance my loan with another company. Basically they told me they couldn't help me lower my payment unless they spoke with my co-signer which when she tried to call they said they wouldn't help her because it was my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I currently owe {$76000.00} in student loans used to put my children through college. My wife has {$140000.00} in student loans putting the same children through college. The student loans under my name are serviced through Navient and XXXX. The student loans under my wife 's name is serviced by XXXX.
All these loans were approved based on my income. My wife does not work.
I wanted to consolidate these loans under one servicer and come up with a income based payment plan. The servicers said that was not possible. I do n't understand why since I was the sole income guarantor why these loans can not be consolidated under one servicer so I can get a fair payment plan setup.
I believe I was improperly informed by the servicers who offered me deferment options so they could benefit by receiving more interest. I do n't believe the servicers acted in my best interest. It is difficult to forward this to a single server because through consolidations the servicers have changed. Interest is not accurately reported because each time I was advised to consolidate, the interest is converted to capital and added onto the total of the principle owed. After paying for the last two years my balance has gone from {$220000.00} down to {$220000.00} an overall reduction of only {$230.00}. At this rate I will die before I can ever repay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: At XXXX on XXXX XXXX, XXXX, I initiated an ACH withdrawal of funds ( {$680.00} ) from my XXXXCoinbase account to XXXX XXXX . Previous similar transfers had always arrived within 4 business days, as stated in the XXXX/Coinbase terms. In fact, most had arrived sooner, within 1-2 days. This transfer, however, never arrived at my bank account. It has now been 12 days. The status of the transfer is indicated on the Coinbase website and the XXXX website as " Complete, '' and has been indicated as " Complete '' since at least XXXX XXXX, but the funds have not arrived at my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: on XXXX I 've paid on time 100 % on the other they say am missing XXXX payment

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 09-02-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection notice from XXXX XXXX out of XXXX Delaware. They allege I have seriously past due amount owed to XXXX XXXX XXXX for {$30.00} plus collection fees of {$4.00} for a total of {$34.00}. 

I do not have a XXXX XXXX account nor have I ever been billed by XXXX XXXX XXXX for any services correctly or incorrectly billed. 

I find the practice of Transworld Systems wholly intimidating and quite illegal. 

Please investigate this company and it 's unethical practices. The notice is dated XXXX XXXX 2017 The alleged invoice stated is XXXX XXXX the file number is XXXX my unique registration code is XXXX. The notice also states there main office at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Credit card debt) with ABR Recovery Services LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/2017 I received a letter offering a pre-reporting settlement offer on a credit card debt by a collection agency ( ABR ). Per the letter I had 30 days to dispute the validity of the claim of debt owed. I sent in a letter explaining that this debt had come from identity theft that had happened several years ago and had been cleared up on my credit report. I had asked for proof of ownership of the debt, including but not limited to my driver license number, a signature, or anything else showing this debt to be mine. I did not receive a response back, instead they reported this collection on my credit report with XXXX. This debt had been settled years ago, and removed from my credit report years ago as it was found that several accounts had been used without my authorization. This should have been long ago settled. To see this collection was sold off again and reappearing on my credit report seems to be abuse of credit collection tactics. I complied with writing a letter disputing the claim which should have kept them from being able to report on my credit until this matter was resolved. ABR also included on my credit report that this account was first deliquent XX/XX/2017, thus starting original debt in question, all over. This original debt is nearly 7 years old and took me nearly 3 years to have removed and go through the identity theft process. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I.c. system has a collection on my credit report for an account with XXXX I have never had. Through a BBB complaint I requested debt verification and they sent me an identity theft packet. No debt verification. I have been in contact with XXXX who has no idea what I 'm talking about. Today I received another letter from them regarding and XXXX XXXX XXXX Account I also never had I called XXXX XXXX XXXX and I 'm not in there system as well. I want this company to leave Me alone also they placed information on my credit report for XXXX and I never received anything stating they were going to do that which is in violation of the law. I 'm not doing anything with these ghost accounts until it is proven they are mine in which they are not until it can be proven otherwise which it will not be.

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 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Debt collection (Non-federal student loan) with Perfection Collection (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I negotiated renewing my contract with Vivint and they told me that this collection would be cleared up. The collection is still on my credit report and I am now stuck with a new contract and being told I owe double.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with 4M Collections, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX of XXXX, Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Balance transfer

Complaint: I used my bill pay through my personal Bank to pay my credit card bill. I now have XXXX Citibank credit cards because Costco used to require that you use a Costco XXXX card, but they automatically switched those card users to a new account with Costco Citibank, when their contract with XXXX was n't renewed. 
The start of this problem was actually my mistake- I made a payment of XXXX to " citi cards '' ( because that 's how is shows up in bill pay through my bank ) on XX/XX/2016. I did n't realize, though that I had selected the wrong citi cards ( since I now have XXXX ), I wanted it to go to my citicard through XXXX - not the Costco citicard. 
I realized this on XX/XX/2016 when I got a notification from my Citibank mastercard, that no payment was received, and immediately called the number on the back of the costco card, that should n't have received that payment. Since I owed almost nothing on the costco account ( around {$100.00} ) my balance is currently a credit of over {$3000.00}. 
I explained my situationon that day, and was transferred to a lady in their financial department. She tried to directly transfer the money from my Citibank Costco card to my Citibank master card, but unfortunately it did n't work. She then took my bank information and explained that it would take 3-5 business days to transfer the funds, but the 5 business days came and went and the money was still sitting in the Costco Citibank account. I have called twice since then, to check the status, and each time the person who answers the phone acknowledges that a refund request has been submitted but it has n't been completed yet, and to call back in a couple of business days,

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 09/20/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Commonwealth financial has reported a collection on my credit reports which is n't mine and is dating back to 2011

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The account below was just readied to my credit report for the third time. For some reason XXXX keeps adding accounts that have been deleted atleast once every two months. they have given me a XXXX for this debt. I have to prove again this should not be on credit report. And they continue to change the account number. 

Name : XXXX XXXX XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$19000.00} Past Due : {$19000.00} Acct Status : CHARGE-OFF Show Details They also have a lot of inquiries that I continue to dispute. I did not approve of companies getting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an inquiry from XXXX XXXX  in my XXXX credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with SYNCHRONY FINANCIAL (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Looked at credit report states opened credit with synchrony bank in the amount of {$230.00} on XXXX XXXX. Upon viewing website never seen this website before this looks to be incorrect or false reported information please help in this matter

Company response to consumer: Closed with explanation