milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2016 about Debt collection (Payday loan) with Financial Credit Service, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, ARA, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX County tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, ARA, called her stepson and told him fraud charges were being filed against me in XXXX County. 
I called ARA again and asked that they not contact anyone else because they have by mailing address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting XXXX collection accounts on the same student loan. I have disputed this information quite a few times to have the account removed from my credit profile, but the items still remains as if I have XXXX outstanding student loan debt. 

The CRA policy is based on termination of a debt collector 's authority and the debt remaining unpaid. Deletion is intended to prevent XXXX collections from simultaneously reporting on the same debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Incorrect information on your report

Complaint: I had a mortgage account with Roundpoint Mortgage services out of XXXX, NC. I had fallen behind on my mortgage payments up until about XXXX XXXX, 2016. At that time I paid my account up to date including all past due payments and late charges. However, the company still reported my account 90 days past due even though it was paid before the end of the month, the amount was about {$4500.00}. I have tried multiple times by contacting their customer service line to have the problem corrected. The customer service escalated the issue to another department, which I do not know the specific name of, which I was never actually allowed to speak directly with. I also disputed the issue through the credit bureaus. With the disputes I submitted copies of the mortgage statement that should the amount paid and the date. It also showed that no outstanding balance was due. I finally filed a complaint with the better business bureau. I received a call from the company and was told they would look into it and take care of it. After receiving the results they still refused to correct the information, stating that the reported XXXX late, not XXXX. All of these attempts have still not corrected this issue, which I have been attempting to fix for approximately 9 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I had a car loan with Santander USA for a whole year I paid them and nothing was apply to my account. This was over 3 thousand dollar, XX/XX/XXXX was suppose to be my last payment but they said I had to pay them for another year. Just this year I got another bank to refinance my car loan. But these people still took money I already had paid them. I had documentation to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: I am a college XXXX. I opened an account at Chase online and deposited checks ( {$300.00} or less ) via mobile banking from kids in my XXXX, whose home accounts are in various cities. The account was suspended by the Fraud department and they are trying to verify with the maker of the check that they were intended to be made out to me. They will not utilize a cell number to make that call and in some cases, the accounts are in the parents ' names and they do not bank with Chase. Chase is surprised that these non-customers are not answering their calls or returning their calls. The checks have cleared their accounts already. WHy would these parents return a call that they may believe is a solicitation from Chase? In the meantime, I have bills to pay and the whole of the account - even my own personal funds, are frozen. I received a written notice today that his account will be closed. I never received notice that availability of the checks was being delayed. I have spent several hours ( and I am not exaggerating ) trying to resolve this. In the meantime, I am unable to get cash. All for a total of XXXX checks that equal less that {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: hi Bank Santander reported " account risk '' for the XXXX accounts to " XXXX XXXX '' credit reporting company. Subsequently, other banks that I held bank personal accounts, credit cards, IRAs, XXXX accounts terminated my accounts. Now I have to open new accounts, but I have a hard time to do so, because XXXX keeps issuing " account risk '' for my ID. 
The problem is with bank Santander / Sovereign, I would like the information about " account risk '' to be removed from my file due to the following reasons : 1. I am a joint signor on the accounts, but I never performed any operations with this accounts. I did not receive any statement or information from the bank about these accounts, even though they have my correct address. 
2. I am not the owner of the company that owns these accounts and I have a limited liability for these accounts. 
3. The bank never gave me any information regarding any unpaid fees or any problems. 
4. The bank never gave me a chance to correct the situation and pay the fees or any other losses. 
5. The negligence of Santader bank causes me stress and I have troubles to open any other bank account. 
Contribution ref # XXXX & # XXXX that " XXXX XXXX '' received, for the accounts # XXXX and # XXXX. 

Regards XXXX 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
Consumer complaint received 01/28/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I went to the XXXX University ( XXXX XXXX ) and had to pull out loans through Sallie Mae. Its really hard to now pay these bills which is hurting me financially. I need help and need to refinance them but no one can help and sallie mae is horrible and does not want to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (I do not know) with Allied Interstate LLC (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been receiving phone calls from this number multiple times. When I pick up, they do n't say anything and hang up. I called back today and asked them why they keep calling. The gentleman kept saying they do n't have any information on the account, so I asked him to put me on their do not call list. He said he would be more than happy to do that, but they do n't have any information on the account. It all felt a little scammy to me, so I hung up without giving any information to this person about myself beyond the number they were attempting to reach.

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 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I submitted a request to coinbase.com on XX/XX/XXXX for help with my account. They got back to me on XX/XX/XXXX saying that A support member would be in contact with me to fix the issue. In the mean time I called twice and waited 2 hours on the phone with an operator only for them to tell me they couldnt help me and to wait for an agent to respond to my email. They even told me I would be put on the priority list. I continued to email them 5 more times since XX/XX/XXXX until today. Still havent heard a single word regarding my complaint. This has caused my funds to be unnattainable for over a month in a market that moves every hour of every day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a citigold account in XXXX at a branch under the promotional offer of getting {$500.00} for depositing $ XXXX or more with the requirements as follows : 1 ) depositing {$50000.00} within 30 days of account opening. 
2 ) Keep the {$50000.00} in Checking for 30 days from deposit. 
3 ) The {$500.00} cash bonus will post XXXX calendar days from the date when all requirements are completed. 
I also confirmed my eligibility for the offer not once or twice but thrice including an email proof to a banking rep at the time of opening. 
I was n't rewarded that credit as expected within 3 months of account opening so I put in an investigation which confirmed I would be getting the credit of {$500.00} as I have met all the requirements by XXXX XXXX. ( The promotion code : XXXX ). Confirming reference : XXXX. However, I was n't credited the amount even on XXXX so I opened another investigation on XXXX XXXX where they confirmed they would let me know about my eligibility and credit by XXXX XXXX, which did n't happen either, so On XXXX XXXX when I asked they mentioned the investigation will take indefinite amount of time for which I do not want to wait any further as I feel cheated since I have all necessary proofs and confirmations from past confirming my eligibility and it should n't take long to credit the amount instead of making customers call and follow up so frequently, which is not only a bad customer experience but also seems like a fraudulent practice where you are promising a certain amount to maintain customer loyalty and not crediting the expected amount as promised. This is the reason why i am filing a complain here through CFPB so customers are aware of this practice and the citibank can try to be honest about their practices.

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 02/26/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (IN).
Issue: Problems when you are unable to pay

Complaint: I purchased a XXXX XXXX XXXX truck from XXXX XXXX XXXX on XX/XX/2016. I was financed through XXXX to Westlake Financial and had the truck for less than 14 days. I noticed something was wrong with it so I took it to a garage I deal with regularly thinking it just needed a tune-up. It turned out to have a bad engine and after taking it to several other repair shop and being told it would cost {$6000.00} to replace or repair the engine, I contacted XXXX and was told to take it to their shop. I paid that shop {$2100.00} for them to repair it. They had the truck for nearly 4 months. During that time I contacted them several times only to be given a series of excuses as to why it was n't repaired yet. When I contacted the dealership for assistance, I was told they would take that truck in as trade and I could purchase another truck. My partner and I went in to look at their stock and after they sold my partner another truck using the original amount we were credited on the XXXX truck as a downpayment for the XXXX truck did we learn that they did n't take the XXXX truck in as trade and that I still owed on it. By that time I was 3 months behind in payments and no one knew where the first truck was.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding sued me in court. They could not provide verification of debt, so it was dismissed in court. They will not remove it from my credit report. They continue to lie to XXXX saying that the court documentation is not for that account. Even though it is. XXXX removed with no issues. When calling them, they state they will not remove it because they still consider it collectible, even though it is past the statute of limitations, and they already lost in court. I have been denied credit, and have a high APR on open credit due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I opened this account with XXXX XXXX on XXXX,2004 which is now navient they said I owe XXXX which i think is not correct. I was attending XXXX XXXX University. When I initially signed the loan I was not given an explanation about the loan terms or how much I was signing off for on the loan. I am now not able to keep up on the loan and I feel as if the harrassment of this company has become overwhelming.They call my XXXX year old grandmom every day about 6-7 times a day and it is causing stress. I have called to try to make sensible payments but what they want me to pay I can not afford. They call my phone at least 5 times a day and I have already explained to them I can not afford these payments. They have closed the account on my credit but they continue to harass me daily. This is a personal loan and is pass the statue of limitation but it is still on my credit. This is causing me a lot of grief and pain I can not even get approved for a car because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Closing/Cancelling account

Complaint: Comenity Capital Bank approved my request for a XXXX XXXX XXXX credit card with a {$8000.00} limit and a {$49.00} annual fee and a sign-up bonus offer for XXXX XXXX XXXX points on XX/XX/XXXX. I received the credit card two weeks later and activated it but the credit card did not work even though it showed an available credit limit of {$8000.00} online. I contacted Comenity and was told that my card had been cancelled due to a security issue and they could not elaborate any further. They do not have any brick and mortar locations in XXXX ( and only have those in XXXX ) so I could not go in brand to resolve this issue. In summary, I did not receive my bonus points, received a hard inquiry hit on my credit reports and received an approved credit card that did not work with no resolution from Comenity. My credit score was negatively impacted because of the hard inquiry by Comenity. They approved my card but later cancelled it two weeks later for no explainable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls from Capital One : 1. XX/XX/XXXX XXXX Cap XXXX XXXX 2.XX/XX/XXXX XXXX 3.XX/XX/XXXX XXXX 4. XX/XX/XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they called but msgs were deleted ) 5. XX/XX/XXXX XXXX 6.XX/XX/XXXX XXXX 7. XX/XX/XXXX XXXX 8. XX/XX/XXXX XXXX  9. XX/XX/XXXX XXXX 10. XX/XX/XXXX XXXX 11. XX/XX/XXXX XXXX 12. XX/XX/XXXXXXXX 13. XX/XX/XXXX XXXX 14.XX/XX/XXXXXXXX 15. XX/XX/XXXX XXXX 16. XX/XX/XXXX XXXX 17. XX/XX/XXXX XXXX 18. XX/XX/XXXX XXXX 19. XX/XX/XXXX XXXX 20. XX/XX/XXXX XXXX 21. XX/XX/XXXX XXXX 22. XX/XX/XXXX XXXX 23. XX/XX/XXXX XXXX 24. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: To Consumer Financial Protection Bureau : XXXX/Rash Curtis & Associates, a collection agency, collected more than the amount that was billed/posted with the credit bureaus and defaulted on their promise to me that they would delete their collection postings ( the original collection and hard inquiry ) on my credit reports. On top of these, they posted an extra hard inquiry for collection purpose for the same collection item that I paid on the same day. According XXXX, hard inquiries impact my credit score negatively and can be seemed by all other creditors. I believe what XXXX/Rash Curtis & Associates did were unfair and unlawful. Please help me. 

Below are the background details : 1 ) I owed XXXX {$1800.00} back in XX/XX/XXXX. At the time of my hospital visit, I was studying for a XXXX exam and was unemployed. I moved four times since then. The hospital forwarded my unpaid balance to XXXX/Rash Curtis & Associates for collection. 
2 ) On XX/XX/XXXX, through XXXX, a credit bureau, I realized I had a twenty-three hundred some dollars collection item on my credit report posted by XXXX/Rash Curtis & Associates on XX/XX/XXXX. 
3 ) On XX/XX/XXXX, I called the collection agency and told them I wanted to pay the collection amount. The man who took my call told me the balance due was {$2500.00}. I questioned him about the increased amount. He said with the extra amount, he would delete the collection from my credit report right away. I paid the collection agency {$2500.00}. 
4 ) On XX/XX/XXXX, through XXXX, I saw a collection notice by XXXX/Rash Curtis & Associates for the same collection item showing up in my credit report again. I called them the next day. They said it usually would take 60 to 90 days to have a collection notice removed, and if I would want the process to be expertized, I would have to pay them more. I was very upset. I had already paid them almost XXXX dollars more than what they billed me for, through the credit bureaus. 
5 ) I filed a dispute for the collection notice with XXXX on XX/XX/XXXX. 
6 ) On XX/XX/XXXX, I received a report from XXXX which shows all my credit histories and realized that they not only did n't delete the original hard inquiry for collection on XX/XX/XXXX, they posted another hard inquiry for collection on XX/XX/XXXX on the same day that I paid them. 
7 ) On XX/XX/XXXX, I called XXXX and learned that only XXXX/Rash Curtis & Associates had the ability to delete/remove those hard inquiries. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After submitting documentation to change from XXXX to REPAYE XXXX to Nelnet, I was entered into a forbearance that I did n't want for XXXX months. I noticed that my application was not being processed ; when I called, I was told that I needed to enter into the forbearance and make a payment of only {$5.00} for that month. Weeks later, I still was n't entered into REPAYE ; when I called again, I was told that I had been entered into the " wrong kind '' of forbearance and needed to wait another month. No payment was charged at all for a third month.So, my overall repayment period has extended 3 months. Because of my payment plan, and the likelihood of claiming XXXX, I will end up making XXXX much larger payments years from now instead of XXXX smaller payments in XX/XX/XXXX-XX/XX/2016. I would much prefer to make retroactive payments and pay my loans off earlier. 

Unrelated to that issue, I submitted documentation of my public service for future PSLF. My Nelnet loans were paid off by XXXX on or about XXXX XX/XX/XXXX. But, Nelnet charged an auto-debit payment on XX/XX/XXXX, and does not appear to have credited my account with that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was told I had to pay an amount that was not written on my statement. When confronted the person changed what they said and spoke to manager. They then said they would check the recordings and call me back, this has not happened, and I have contacted them numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Inaccurate information is on my credit report with Equifax , XXXX, and XXXX. XXXX XXXX states I owe them {$1300.00} for non-paid rent at XXXX XXXX. I have no knowledge of this and have never lived at XXXX XXXX. I am applying for a XXXX job and need this to be removed. XXXX says they verified this information as correct and that 's impossible since I 've never lived at XXXX XXXX. How did they investigate this, something is very fishy and I just need this removed from my Credit Report immediately or I will be forced to take them to Court.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (I do not know) with MILLENNIUM FINANCIAL GROUP, L.L.C. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed them requesting validation they ignored me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with Pinnacle Asset Management, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The Pinnacle Asset Group is calling threatening to file with the irs for a debt that is 15 years old- they also went as far as to look up our other numbers and contacted my son to make the threat towards his father and I. This is harassment to the fullest. This company has been sued for this same issue there are also so many complaints.

Company response to consumer: Untimely response