milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has claimed I owe them {$27.00} for XXXX years despite the PROOF of PAYMENT I sent them : canceled check and their ownPAID INVOICE for {$27.00}! 
They continue to insist I owe them and collection agencies are after me. 
How can I stop this harassment for a bill I already paid four years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016, I accidentally attempted to pay a credit card with my Citi Gold account, which had a {$0.00} balance at the time. On XXXX/XXXX/2016, I was notified that my payment had been returned and was assessed a {$34.00} fee. I then called Citi Bank to close my account with them and was assured that a ) this fee would be waived, and, b ) the monthly fee for XXXX would also be waived, in the event that it took until XXXX to finalize the closure of my account. Little did I know that on XXXX/XXXX/2016, the credit card company attempted a second payment from my Citi Bank account, which I did not authorize. This caused a second returned payment and fee, and prevented the closure of my account. On XXXX/XXXX/2016, I received a correspondence from Citi Bank informing me that my account had finally been closed and that I was " still responsible for paying the overdrawn amount referenced above '' ( {$33.00} ) and that my " account may have been referred to collections. '' It 's very distressing that rather than contacting me directly to discuss a matter that could seriously impact my credit score, Citi Bank chose to send an e-Communication ( not even a personal email ). In summary, Citi Bank promised me that my account would be closed in a timely manner yet they processed an *unauthorized* payment request and refused to waive the corresponding fee, delayed the closure of my account, and referred my account to collections.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a XXXX XXXX loan in XXXX to study for the bar exam. I returned to school and then graduated in XXXX. After graduation, I was unable to find a full time job and worked part time and as a temp until XXXX of XXXX when I was unable to work. My loan payment was extremely high and I was unable to pay the required amount. I contacted them on several occasions looking for a repayment plan or program, so for them to work with me as I was on unemployment at the stated time. I provided proof of the unemployment and they refused to work with me. Because I am was not making enough money to even get household items, I could not make the payments. I have had threatening calls, which I reported but got no response from the person who I sent it to at the company. Eventually they placed it in collections. When I became employed I tried to work out a payment plan with them again and after a lot of conversations and negotiations with the creditor I was able to make payments. Even though I make my payments monthly and on time, they refuse to let the credit agencies know about my payment so on my credit report it shows that I am late and not making payments. This is n't fair and it is something that they should work on since it has been raised as an issue with the XXXX committee because it is considered looks a default on a student loan. This is interfering with my career and I am making payments as I agreed to with them. I have tried contacting them about it and they keep passing me around to someone else who is never available and wo n't return my calls. But even if payment is made, they call me constantly to talk about changes or negotiate a settlement, it not about the issues I face. It is very frustrating and I am not working in my field right now so I am not making a lot of money to negotiate a settlement, I just want them to be fair and stop giving me the run around. I are willing to pay, and I have been paying even with their high interest rates and no wiggle room to negotiate repayments. A lot of students end up in debt and unable to make repayments unless it goes into collections, and why donot s it have to get to that point for us to get on a payment plan or are able to show hardship? They are not willing to work with student and that needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: To whom it may concern, I, ( XXXX Brown XXXX, Currently do not dispute my ( Navient Student Loans ) either as reported on my credit report or directly with the creditor. I request that the indication of a dispute and all comments in the comment section is removed from my report. I am trying to close on my home and need this done ASAP. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: About XXXX years ago I attended a trade school which was called XXXX at the time ( very loosely affiliated with XXXX University, a very reputable university located in XXXX, MA ). This XXXX changed names until it closed permanently and suddenly under the name XXXX XXXX XXXX in XXXX 2013. The amount of the total fees were not disclosed to me but the only way I was told I could pay for it was a private loan from XXXX XXXX. I had to drop out of the program near the completion date due to the fact that XXXX XXXX refused to loan me any more money ( which was {$45000.00} when the loans were first taken out ) but later obtained the XXXX due to transferring in a university class. Unfortunately, the XXXX was useless in obtaining work so I had to attend XXXX classes through a XXXX university and put the private loan in deferment for a period of several years because I could not afford the roughly {$500.00} payments when the loan became due, I was only able to start making regular ( but reduced payments due to my income ) payments once I received my XXXX, which was financed by SEPARATE federal loans. The loan has been consolidated and changed servicers twice in the last 8 years, and now it is nearly {$80000.00} and I am paying a for a useless education from a school that no longer exists. Please explain how a loan can nearly double in less than 10 years? Help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Issue : Student loans by Dep of Ed/ XXXX  (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans (  XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  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 explanation
Consumer complaint received 04-02-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. 

I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 

Additionally, during this time, their representative XXXX XXXX was literally " blowing up '' my phone every day XXXX times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: The undermentioned inquiries are unauthorized and I have asked Experian to remove these inquiries. Experian have failed to do so and I demand immediate action on this issue. This might be due to XXXX data breach or as a result of identity theft or due to system glitch of the institutions. 

XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED )

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 06/14/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: APR or interest rate

Complaint: My wife and I both opened a brand new BARCLAYCARD Rewards MasterCard after receiving promotion in the mail. We were both approved and took advantage of the 0 % into for the first XXXX months. We made sure the purchases were made within the XXXX days of acct. opening which we called to verify date. My wife saved her letter but I did not save mine as they were they same. Well she got her bill and they started charging her interest. They literally made her produce the paper which she did and I am attaching her. They made her mail the items in to " prove it '' no the case is getting settled and she will hopefully get all interest reimbursed and the promo for XXXX months. I just got my bill and would do the same thing however I only have the paper that she got not mine. I think they will try and weasle their way out of giving me my promo. so that is why i am filing this complaint. They are terrible in the way they bait and switch. They mentioned well you opened your account online, like something was wrong with that. I said right on the paper to do so with the personal ID code which we both did. I never ever would have opened a new credit card had it not been for this special promo.

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 01/27/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold my mortgage loan to XXXX, XXXX. on XXXX XXXX, XXXX with XXXX Mortgage XXXX as the new servicer. Yet, three days later Bank of America with no further interest in this mortgage, scheduled the home to be auctioned, on their behalf, on XXXX XXXX, XXXX then rescheduled by them, for XXXX XXXX, XXXX.

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 CITIBANK, N.A. (DC).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: i WAS TRICKED INTO USING WATCH-GUARD PREFERRED FROM CITIBANK N.A . FOR SEVERAL YEARS. I NEVER WANTED IT. PLEASE GIVE ME A REFUND FOR MY MONTHLY FEES I PAID FOR SEVERAL YEARS. I NEVER GAVE CONSENT TO HAVE THIS FEE PAID FROM MY CITBANK N.A. ACCOUNT. THANKS.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit acceptance- {$8800.00}. XXXX XXXX {$570.00}. XXXX XXXX XXXX- {$1100.00}. XXXX  XXXX XXXX- {$780.00} and hard inquiries i tryed contacting them no response.

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 11/14/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Cash advance

Complaint: I submitted a dispute to USAA on XX/XX/2016 for a {$10000.00} purchase from XXXX that represented themselves to be an investment bank, but I learned that it was just a front. On that date, I also learned that XXXX had processed it with USAA as a cash advance and there were thousands of dollars of fees that I had not authorized. USAA was VERY slow in handling the dispute for a number of reasons that are difficult to understand, during which they applied the credit on two or three different occasions until finally on XX/XX/2016 they re-billed my card for the {$10000.00} stating that I had used the service after I filed the complainr. I said I had only used it to provide the information they requested : specifically statements of the account and transactions processed. They said when I logged in I lost all rights to a refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Usaa bank did illegal closure of my checking account, savings account, credit card, renters insurance and auto insurance and illegal credit reporting. I need help from media FTC Now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Struggling to pay mortgage

Complaint: About XXXX or XXXX years ago I was struggling to make my mortgage payments. I contacted Chase to see if I can modify my loan somehow ; because I was struggling to make the full payment and if they can help me. At the time I was not in default yet when I asked for the help. They basically told me that I had to default before they can help me. Throughout that time I filled many Home Modification Loan Applications and they kept denying me. They told me that they were the servicer of the loan and the bank that owned my loan did not do modifications. I still kept applying since they told me to try again. Chase mentioned to me that according to their regulations I did qualify for a modification but since the bank that owned the loan said no that there was nothing they could do to help me. Still they kept asking me to file again. I also got in touch with a company named Defend Your Mortgage. They were going to investigate as to why I was not getting a modification. I paid them {$5000.00} and in the end said I had a good case and forwarded me to a lawyer to assist me. That lawyer asked me to pay him {$1700.00} a month ( which I paid for about 3 to 4 months ) so he can work on my case. After several months of paying this lawyer and nothing was done, I stopped paying him because he said I had to keep paying him and that it could take several months before anything happens. After about 2 or 3 years of applying for modifications with Chase I gave up. My house went into foreclosure in XXXX XXXX ; so I lost what I was fighting so much for. I think Defend Your Mortgage, the lawyer and Chase took me for a run around making me think they can help and they never did. I ended up losing money and my home. No today I get a letter from Chase saying that they made an error that could have extended my document collection period during my review of my application for mortgage assistance. They sent me a check for {$100.00} as compensation! They were apologizing for not providing me with the level of service they should have. Please contact me if you need further information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other service problem

Complaint: On XXXX/XXXX/XXXX, I had to replace my XXXX due to hardware issues. I did not think to disable my two-factor authentication. So I was locked out of Coinbase as well  as many other accounts. All the other accounts I do business with were able to help me regain access within a couple of days. While the reason for my account lockout is not the fault of Coinbase, it is unreasonable that 30-days later I have not been able to regain access to my account. As of today, XXXX/XXXX/XXXX, I still do not have access to Coinbase likely due to a lack of staff to respond to consumer issues. 

Coinbase case number XXXX. Coinbase " escalated '' case number XXXX. 

XXXX/XXXX/XXXX, I attempted Coinbase online process to recover account using my photo ID. The recovery attempt failed. 
I emailed Coinbase and received 2 auto reply  messages including instructions on how to disable two factor authentication, which did not work. 
XXXX/XXXX/XXXX, I received another two auto reply emails. 
XXXX/XXXX/XXXX, I used their online process to send request to disable two factor authentication per their online instructions because they are not responding to emails due to volume. 
XXXX/XXXX/XXXX, I attempted their online process to regain access to my account, but the photo ID process failed again. 
XXXX/XXXX/XXXX, I attempted to call their call center and after waiting 57 minutes, I had to disconnect. 
XXXX/XXXX/XXXX, I attempted to call their call center and finally got through. They were unable to assist me, but they " escalated '' my case. The total length of time on hold and speaking with rep was 1 hr 7 minutes, with the majority of time on hold. 
XXXX/XXXX/XXXX, I received an automated email with the same procedure that does not work. 
XXXX/XXXX/XXXX, I received two additional automated messages ( which I 'd received previously ) offering  instructions, that have not worked. 
XXXX/XXXX/XXXX, I received yet another repeat automated email. 
XXXX/XXXX/XXXX, I called their call center and this time asked to speak with a supervisor. They were not able to assist me, but assure me that my case had been escalated and would be worked in the order in which it was received. Total time on the call both on hold and speaking was 1 hr 27 minutes, with majority of time on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Managing the loan or lease

Complaint: I paid XXXX on my acct to Prestige Financial 7 days ago to make up the difference in the amount that car max agreed to buy my car. I spend all day speaking with a XXXX 3 days later because my acct had not been updated in regards to an accurate payoff amount. The XXXX had already been drafted from my acct and the payment reflected on Prestige 's website but still the payoff was wrong. I was forced to have XXXX sell me my car back. They could finish buying my car without an accurate payoff amount. The XXXX stated everything would be updated 2 days later, which would have been Friday. I checked Friday and it still had not been updated. I tried calling Prestige but their phones were down once again. I also sent several emails with no response. Please help. I just buries my Mother a month ago and dealing with this is just extra stress.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Unsolicited issuance of credit card

Complaint: I received an XXXX rewards XXXX credit card issued by Chase that i did not request. When i called customer service i could not speak to a person without entering the credit card number. I do n't want this card and refuse to enter the number into their phone system in order to avoid activating the card. 
I can be contacted via email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: The Wells Fargo Bank is deducting money from my account and not reporting it properly on my bank statement. This has happen on XXXX different occasion. Their is a mysterious disappearance of money from my account. I filed several complaint nothing has been done on their behalf to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Trouble during payment process

Complaint: OXXXX XXXX paid JP Morgan Chase {$1200.00} for mortgage payment I. XXXX, Oh. Due to mistakes by XXXX the check was declined. <P/>On XXXX went back to Chase and asked if they were going to resubmit the check for payment. The woman at the XXXX XXXX, Oh Chase called the home finance department and they said they would not resubmit the check. Since they were not going to resubmit I wrote another check and gave it to the lady in the bank. <P/>On X/X/17 I went back to Chase and talked to customer service in XXXX, Oh and the woman at the bank called the home finance department to find out both checks had been cashed. Home finance advised that a refund check for the second payment would be sent via XXXX or XXXX overnight. <P/>XXXXWhen it was not received X/X/17 or X/X/17 after 5 calls to Chase customer service, the issue was not resolved. I was told that the check was shipped but would not supply a tracking number. <P/>It 's X/X/17 and we have not received the refund check from Chase.

Company response to consumer: Closed with monetary relief