milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. 

There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. 

After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Other mortgage) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Navy Federal Credit Union is still limiting access to accounts due to a message box pop requiring a phone number to continue ( XX/XX/2016 ). There is already a valid email contact address on their file that they have used before. There is no additional information on the popup, but yet their billing rights, which is very difficult to find, clearly states 'phone calls will not preserve rights '. This is deceptive conduct by NFCU, even though they signed File No. XXXX, to get people to waiver their rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Credit card) with Recovery Solutions Group, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A debt recovery company has been harassing my girlfriend, XXXX, for over two years. They harass her and have also called her friends and family, including me today. They say this is over XXXX account. She has never had XXXX account and she has contacted XXXX who says they have no record of her. She has checked her credit report which also shows nothing related to XXXX. The phone number calling her is ( XXXX ) XXXX. They have threatened to send the sheriff to her home. 

Today I got a call from ( XXXX ) XXXX. File XXXX. I told them to stop calling and she has never had a XXXX Account. He said they are going to sue. He said his company is " Recovery Solutions Group ''. This needs to stop NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I had purchased a bitcoin from coinbase, the transfer of funds from my bank into coinbase went smoothly but when cashing out and requesting the transfer back to my bank account they have not done so.  This was XX/XX/2017 and the estimated transfer time according to the website was 48 hours. It is now XX/XX/XXXX and still my money has not been transferred back to my bank a total sum of $XXXXI have contacted them through the support link of the website and had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/XXXX, I woke up to emails from western union stating two large sum transfers were initiated and picked up totaling {$5000.00}. I did not make these transfers nor did I authorize them. I called western union to report the fraud and was told all they could do was close my account. They did not give me a fraud file claim number or any additional information and are unwilling to help investigate or recover the funds

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint is in regards to Equifax 's reported hacking incident and the release of my personal information without my express permission. Due to their inability to protect my data I am now at serious risk of credit and tax fraud. 

As a small business owner this may have a huge impact not just on me but on my employees and the growth of my company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to the Equifax website for determining if I am part of the major personal information breech reported on XXXX XXXX, XXXX XXXX https : /XXXX ), I am believed to be at risk and my personal information has been compromised. 

A data breech on this scale is utterly irresponsible and totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (TX).
Issue: Account opening, closing, or management

Complaint: Log into my online banking account at Synchrony Bank from a computer that is not a registered device ( I personally choose never register ANY device - even my own computer ). You are brought to a page with some telephone numbers ( showing only the last XXXX digits of the telephone number. You have option to request TEXT message, or CALL on the telephone number you choose. 
The problem is that on 6 occasions, this page shows telephone numbers that are not valid - they are not my telephone numbers, so I can not proceed to login. 
When I called customer service to resolve this over the course of 5 days, I received inconsistent resolutions. 
On one occasion, they did something to disable this feature, allowing me to directly login from non-registered device ; On a 2nd occasion, they asked me for my valid cell phone number and sent me a XXXX-digit passcode ( Note : on a subsequent occasion, a rep told me they could not send a XXXX-digit passcode to my cell phone number because my number was not registered with the third party vendor ) ; In one call, I was told to call all XXXX credit agencies to have my telephone numbers added to my credit report - I called all XXXX : XXXX did this, XXXX and XXXX said they have no way to do this. They told me that they get my telephone number from the XXXX credit agencies and do not use the telephone numbers that I list on my account. 
In one call, I was told that they use a third party public database to pull my telephone numbers for this validation. 
On numerous calls, I tried to explain to the reps and their supervisors that this is a faulty way to validate my identity. I am the only one who should know what my valid cell phone telephone number is, not a public third party database. I spoke with so many Synchrony reps and emailed them to explain the fault in this, but no one seemed to follow. Using third party telephone numbers to send 'login passcodes ' is so dangerous as this enables codes to be sent to ex-spouses, or otherwise old/obsolete telephone numbers. I am trying to get Synchrony bank to change this PROCESS for validating my identity since I choose NEVER TO REGISTER any of my devices, but they seem to not understand and address this issue. Hopefully, this complaint will make Synchrony fix this faulty login issue.

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 06/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This complain is about Portfolio Recovery Associates Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XX/XX/XXXX this account is schedule to continue on record until XX/XX/XXXX as of XX/XX/XXXX it was not on XXXX no more making the Date of 1st Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of 1st Date of Delinquency ) On XX/XX/XXXX Portofolio reports to XXXX 1st Date of Delinquency as XX/XX/XXXX. As of XX/XX/XXXX its reports to Equifax 1st Date of Delinquency XX/XX/XXXX. As of XX/XX/XXXX XXXX Deleted it after finding inaccuracies on Dates of 1st Delinquency reported. Portfolio still reporting to XXXX I am currently disputing it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2015 a balance of {$870.00} from XXXX XXXX Bank appeared on my XXXX and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit reporting Act ). This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever i filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I hold both federal and private student loans with Navient. Since they took over for XXXX XXXX my monthly payments have been consistently applied to the wrong account adding up to multiple late fees and even affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: i call the credit bure au  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sect ion 6-11 of  the fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these three was in public record, Mississippi Div

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 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to order my XXXX credit reports through XXXX on XXXX XXXX, XXXX. I was able to get my XXXX report right away. I could not get my XXXX report because I may have answered a loan/credit card question wrong that had occurred in XXXX ; this cut me off from getting both my XXXX and Experian reports. 
That evening I called XXXX to see if I could get my reports through their automated system. The system said that my order was complete for my XXXX free credit reports and that it may take up to 2-3 weeks to receive. 
In the middle of the third week I tried to call them to see what the delay was and to see if they were EVEN on the way. I 've been over their site, over the XXXX credit reporting agencies and there is no way to talk to someone about this without sending something in the mail to them and waiting even longer for communication. 
I finally talked to someone here at the CFPB to see if she could find any contact info so that I could talk to a live human. The only thing she finally found after 10-15 minutes was a number for XXXX. I finally talked to a human and she would not allow me to get my reports and told me to write a letter ; what good is that going to do when I have tried on-line and by phone. 
Here it is now, 4 weeks since ordering my reports by phone and they are still not here and there is no human for me to discuss this with. I even tried an old phone book of mine that had the XXXX credit reporting agency 's numbers. XXXX rang and then went dead and Experian 's number tells you to go online ; still ... .no human contact to solve this matter. 
I have a letter of Full Faith and Credit from the Secretary of State- XXXX XXXX , but ca n't even get my own 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 05-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had made my third trial payment with Wells Fargo Home Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to XXXX XXXX and when I called XXXX XXXX although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at XXXX XXXX said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company XXXX XXXX. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have that which I thought was super strange. After that I decided to check the reviews on XXXX XXXX and saw that they had XXXX complaints and not one good review I guess Wells Fargo knew exactly how to give me and my home into more issues.

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 02/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In 2006, Loan with XXXX was paid to school and refunded due to dropping classes. Then XXXX XXXX paid loan to school again even though I dropped the classes in accordance to school policy and should have been refunded 100 % for semester. Both refund and re-payments to school occured on same date ( XX/XX/2006 and XX/XX/2006 ) Total of {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: Citizens Bank - refinancing of equity loanI was notified by bank that my existing equity loan was about to expire. after check alternative sources - I was encourage to simply refinance the loan through the local Branch ( XXXX XXXX, XXXX XXXX ) After submitted all necessary documents the loan was approve by their Mortgage Dept in XXXX XXXX? I had a closing and signed all requested documents - the loan was posted with the new balance available .. now after month+ ( I had drawn no additional funds but made several payments to the equity loan - now they have screwed up now asking for more documents? the local branch called and stated the want a copy wife 's original death certificate - Although I had already furnished it originally - I called the local funeral parlor and they went to the town hall got another certifified and delivered it to the branch personally - now they apparently want more documents - my equity on- line shows XXXX balance available - and even does n't show my equity payments I made through interbank transfers - I have over 15 years experience with never a late charge and both Citizens business and personal accounts .. my credit rating is and has always been excellent with a XXXX + rating - I have always been prudent with my finances and managed them appropriately - I 'm now in XXXX and likely what ever they might need now is in my home in XXXX XXXX - I think they apparently screwed up internally and if additional documents or information was needed - they should have gotten it prior to approval and closing - not now burdening me from a distance with their incompetence - and now without access to their approved equity loan! 

my Address in XXXX is XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: I added {$60.00} to my Coinbase account on XX/XX/XXXX and today is XX/XX/XXXX and my money has not been added yet, it still shows pending. Theres no valid telephone number to call this company and they only respond back with general information not about ; where is my money. This company is a scam and should be shutdown. How do you have a $ XXXX company and no contact number nor any type of customer service? Clearly a scam

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I hate to bother you for something so small but I have tried everything from calling to emailing to complaining but Wells Fargo refuses to fix the UNFAIR redemption policy.
<P/>
THE UNFAIR PRACTICE : It is VERY UNFAIR that you can ONLY REDEEM in {$25.00} increments.
No other credit card, that I know, has such a condition.
It is inherently UNFAIR because it always will leave customer SHORT.
If the customer has over {$25.00} or under {$25.00} rewards balance, the customer will always be short and never able to redeem the FULL amount that customer has RIGHTFULLY earned.
It is virtually impossible for the customer to get exact {$25.00} redemption amount, because redemption amounts are calculated at various different levels of 1-3 % of purchase.

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 03/16/2017 about Credit reporting () with I.C. System, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am desputing a debt that was put in my name, that should be in my father 's name. I am XXXX XXXX XXXX my dad is XXXX XXXX XXXX. I am including my fathers birth certificate. I am not liable for this debt, it is not the first time they put fraudulent debt on my my credit that belongs to my dad. I was still in high school, I was not working to pay for the XXXX XXXX bill that was my dad 's responsibility. This was previously removed and has been added again when it should never have been there in the first place. Please remove the following debt listed below from my credit report. My email is, XXXXXXXXXXXX. You can respond to this email address. Thank You for your understanding. 

Sincerely, XXXX XXXX IC Systems XXXX XXXX XXXX, 2016. This is for a XXXX XXXX bill of XXXX, that my father 's owe. This is debt was removed and added again, when it never should of been on my report, Please have it removed again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwest Recovery Systems (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/XXXX this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease. 
This company bought this account from XXXX XXXX from XX/XX/XXXX and it was originally filed in my Chapter XXXX that was converted to a Chapter XXXX in XX/XX/XXXX. This company has reported this on my credit report as a new account from XX/XX/XXXX

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. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Was unable to connect or contact them or dispute online or show proof of payment

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: See attachments. 

Experian does not have the proof document. They are using tactics to defer and delay. 
They have my personal proof of ID on file. We went over this many times. 
Why are they allowed this? 
Who can I seek out to get help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation