milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (WY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have repeatedly tried to contact XXXX XXXX XXXX and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. XXXX tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called XXXX again this morning ( XXXX XXXX ) and was informed that they had been sold to Resurgent Capital Services. I was able to speak with a supervisor at Resurgent who informed me that I would still have to pay via XXXX, but all of the phone numbers for XXXX go directly to Resurgent. After calling a third time to Resurgent, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt. 

I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house. 

I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I originally obtained the student loan with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I call myself consollidating the loans for {$1000.00} with an 8 % interest rate and another loan for {$10000.00} with an 4 % interest rate. I did n't know that the {$1000.00} loan of 8 % would bring my {$10000.00} loan of 4 % up the 8 %. That caused me to have a {$11000.00} loan with an 8 % interest rate. I filed a complaint with you all on XXXX XXXX stating that XXXX XXXX should have informed me that my payments would go up because the interest rate went higher on the {$10000.00} loan which is loan shark practice. Nothing happened from my complaint. XXXX XXXX only transferred or sold my loans to Navient. Now Navient is the loan company who ruinded my credit because mh loan have exploded to almost {$30000.00} even though I have paid over {$20000.00} on it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit reporting agency to still be listing this 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 non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened an auto loan on XX/XX/XXXXwith Suntrust bank for a XXXX XXXX XXXX XXXX The car was repossessed in early XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with Suntrust, XXXX, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and Suntrust, I 've been told that this negative information will show untilXX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.

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 09-06-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (VA).
Issue: Problems caused by my funds being low

Complaint: Hello, I opened my account with M & T Bank on XXXX XXXX. I have a mortgage with this company as well. I went to a trip to XXXX XXXX recently and use the app " XXXX '' I did not know that I had linked my M & T Bank to the app, and I used the service. I thought I was paying from my XXXX XXXX account. They online banking website had been down for a while so I could not check my balance for M & T bank. When I checked on XX/XX/XXXX, my account had a overdraft balance of {$370.00}. I am being charge XXXX ( so far no sure if they will assets more fees ) overdraft fees at {$38.00} each for transactions as small as {$3.00} the largest {$8.00}. As of today ( XX/XX/XXXX ), I have not received a notice of overdraft. When I opened the account online, I was not ask if I wanted to " opt-in '' to overdraft services. I called M & T Bank to ask for an explanation and for refund of the over {$300.00} dollars in fees I am being charged on fees alone in the meter of 3 days for transactions the added up to {$60.00} dollars. The customer service rep said that there is nothing they can do and that I have to pay the fees. This is a violation of the " H.R. 1261 Overdraft Protection Act of 2013 '' approved by the 113th congress. Specially, SEC 4 " 140B.secition ( i ) OVERDRAFT COVERAGE LIMITS - I should not be charged more than one overdraft fee a month and no more than 6. Also, " the amount of any overdraft coverage fee that a depository institution may assess for paying a transaction shall be reasonable and proportional to the amount of the overdraft '' M & T bank is essentially trying to steal my money by charging me all of this unfair fees and in violation of the " Overdraft Protection Act of 2013 '' Please any help you can provide will be appreciated. I am not willing to pay the abusing and excessive fees that M & T bank is trying to make me pay. 
Thank you and please let me know if you have any questions

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with Integrated Recovery Services (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: A company by the name of Integrated Recovery Services, with a business address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, has contacted me and my place of employment several times a day for the past 2 days (XX/XX/XXXX & XXXX, 2017 ). I returned their telephone calls on multiple occasions telling them that I do not want them calling my employment, and they told me that it was " automated '' and " too bad ''. The automated message leaves a " sketchy '' message about trying to locate me, and wanting verification of a current address, wages, and my liquidated assets. Quite intimidating, and quite ridiculous when you know that they are a scam business that buys old debt for pennies on the dollar, and try to scare you into thinking that they are attorney 's and are going to send you to jail. I am aware of the old debt that they bought. However, I do not want them calling my employment, which I am allowed to have stopped, and they refuse. They are " bullies ''. If they try to pull their antics on naive or older people, they may just scare them enough to hand over their account numbers. I know that they have had many complaints filed against them, and it would appear it does nothing to stop them. They also told me they would contact everyone I know, because they can. And that " they are NOT going away ''. They have hung up on me 4 times, and immediately called my work and phone again, with the automated message. This " business '' needs to be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX rated veteran caring for my XXXX grandson in my home. Due to a downsizing from my job and loss of my main source of income, I requested a loan mod from Wells Fargo in order to make the payment more manageable and ultimately keep my home. I was denied citing I had too many assets. Once those assets were depleted several months later, I again requested a loan mod but was denied again for the exact opposite reason citing I could not afford a loan mod payment ( not enough assets ). This was clearly contradictory. Which one is it? What is the objective criteria for a loan mod? Instead I was given the option to " apply '' for a short sale both times. I want to keep my home and continue to provide a stable environment for my XXXX grandson. Not sell it. What is the purpose of the loan mod program or the " Home Preservation Program '' as it was called if it was n't to assist those who want to retain their home and make good on their mortgage?

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 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Account for XXXX XXXX, XXXX, RI XXXX XXXX, I am writing on behalf of XXXX, my XXXX and myself and our struggles with her student loans that are serviced by Sallie Mae / XXXX. When we first signed up for these loans we did some of them through an agency called the XXXX, RI and later some directly with Sallie Mae. Our experience with all involved has been subpar and at times unprofessional from the people at the XXXX when we went back to ask for help and they said they only set them up and we just wanted answers on what the processes are, we being treated fairly and in the repayment process. I am a man of great integrity and I said I/we made the agreement ( s ) and will make the payments. We had and still struggle to help XXXX and in most cases are paying the bill with at more than a XXXX dollars per month and no real end in sight is bending us to say the least. At XXXX point we could not afford to pay them and placed them into forbearance a process I was never really comfortable with but had no real choice to keep other obligations in our life met. The forbearance process was foreign to us and we agreed to pay interest only never told that that was really like paying rent on the loans with zero net affect. At no time were we ever offered alternative payment plans or income based plans that our XXXX could afford in fact we were told they did not offer those programs to our XXXX. Now years later I read that they withheld plans that would have helped from us, to say the least this is disturbing and seemingly illegal at the very least. If a person opened a business and treated people like they have, they would have to answer to someone and more than likely be in jail. My last comment is that we are now and have been paying nearly eleven XXXX dollars a month and the principal goes down pennies on a dollar. I would welcome the opportunity to have more dialogue on these issues and can be reached at XXXX or XXXX. We are not looking for anything free we are just expecting to be treated to the same programs that had/have been apparently offered to others.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Making/receiving payments, sending money

Complaint: Recently, I received a copy of my credit report. The credit report showed a credit inquiry by the companies listed, and that I do not recall authorizing. I understand this should n't be allowed to put an inquiry on my file unless I have authorized it. I have written Capital One Bank to have the inquiry removed from my credit file, but received no response. I have sent the complaint letter certified mail but I received no response to this issue. I kindly asked the Capital One Bank to forward me documentation that I have had on file or removed it all together. The creditor did not have authorization to inquire into my credit report as a breach may have taken place and my social security # has been compromised. 

Capital One Bank did not bother to respond or provide documentation that a credit inquiry was authorized by me. I am complaining about the deceptive and unclear authorization form supposedly I received to acquire such inquiry. The creditors have ignored my challenge which I sent Certified Mail Return Receipt Requested and kept track of the time that I sent the letter. By law if the inquiring creditor does n't respond within about thirty days. I have ample grounds to demand some action. At that point, it 's almost irrelevant whether or not you authorized the inquiry. This has becomes about the creditor 's lack of response to a consumer dispute. I am holding my grounds and demanding that the inquiry be immediately removed. 


I XXXX XXXX give permission and consent to the Consumer Financial Protection Bureau to obtain all XXXX credit reports to verify credit history. 

RESOLUTION : Would be to remove the inquiry or suppress by law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We moved in XXXX of 2014 to XXXX from XXXX. XXXX transferred services to our new home which created a new account number. The bill from the XXXX account was never sent to new home address. We became delinquent on the old account without knowing it. We finally received notification of delinquency this month and have paid the balance in full. We are requesting to have the delinquency removed since it we were not receiving bills.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Hello, On Saturday XXXX XXXX XXXX 2017 I changed my phone and lost my XXXX authenticator app. I followed the dedicated path on coinbase support ( I tried incognito too as suggested ) : 1. Unable to submit a one-time code? 
2. I have lost my Authenticator App 3. Completing the steps to recover my account : phone number - id verification - overview When completed I receive the following email : " Your identity and photo have been verified Success! Your identity and photo have been verified. '' If I click on the " buy digital currency '' button I am redirected to the login page, having the exact same issue, and being unable to login because the authenticator code is required. 

I do n't have the secret seed stored anywhere. 

This is the support link, but the procedure described as " If you 've lost the device with your Authenticator app and DO NOT have access to the secret seed code '' is not working because, as I have described, I am stuck in a loop : XXXX XXXX XXXX XXXX XXXX XXXX Although i received an email to say that my documents have been verified i still ca n't log in. When i type in my user name and password it prompts me for my authenticator code. however, i ca n't get that because i ca n't install authenticator on my new phone because the barcode i need to scan is on coinbase once you log in ( chicken and egg situation ). '' Coinbase support, when answering, suggests to log in the account and change it from the settings, which is impossible. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Last Reported XX/XX/XXXX Collection Agency CENTRAL FINCL CONTROL Original Creditor XXXX XXXX HOSPITAL Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$280.00} Remarks Chapter XXXX ; dispute resolved/ consumer disagrees This account is still reporting on my check report as open. I have disputed this several times to the XXXX credit bureau that this account should be closed and removed from my credit report. The creditor agreed to remove this item from my file. This is having a negative impact on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (VA).
Issue: Problems when you are unable to pay

Complaint: Lendmark Financial Services has repeatedly harassed my family and I. They have violated my rights under the FDCPA rules. The following violations have occurred since I requested validation of this debt : The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) o Numerous calls have been placed to my phone ( XXXX ) as well as members of my family. 
Repeatedly call a third party to get your location information. The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [ 15 USC 1692b ] 804 ( 1 ) o A representative went to my mother 's home in a threatening manner and interrogated her about my whereabouts. I have never been out of touch with the office, therefore there was no reason to send a representative to my home. ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 
A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) o I have repeatedly spoke to representatives that simply ignore my request for validation and continuously ask when I am going to make a payment, request me to enter the office repeatedly, and send letters demanding payment. 
After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b ) o I have received numerous calls and written communication during the 30 day time frame, but no validation. 
Collectors ca n't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector can not or does not intend to take the action. [ 15 USC 1692e ] 807 ( 5 ) o By repeatedly calling and requesting that I return to the office and showing up at my home, Lendmark has left me feeling threatened and stalked. 

Furthermore, they referred my account to an attorney and filed a Warrant in Debt while failing to provide validation. XXXX Warrants in Debt came to my home in the same 30 day timeframe with different dates, in an attempt to further discredit my name.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was never contacted by this company. Not by mail or phone. Then a family member was contacted. I did n't even know they were trying to contact me because I was never call and never received any type of mail or communication. 

On XXXX XXXX, 2017 the contacted a family member whose number was not on the account and they would n't of had any access to. 
A name was given and then when I returned the call I was n't allowed to speak with that person. 
They refused to tell me how they got the family members number and why I was n't contacted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: On XXXX XX/XX/2016 I purchased item from XXXX 's XXXX XXXX using CitiBank Visa and returned item to the store on the same day, XXXX 's charged me twice for the item. When I reviewed my statement I noticed the charged, contacted CitiBank and asked them to reverse the charge. CitiBank initiated an investigation, requested numerous documentations and reversed the charges. Since then, Citibank has informed me twice that the merchant advised them they never received a return and reversed the charges, effectively adding {$470.00} in charges to my account. I disputed the charge again, going through the same process, and I received final notice this week that the merchant has once again denied receiving the return and the charges were added back to my account. CitiBank also informed me that there was nothing else they could do and that I would need to seek other means of addressing the problem. XX/XX/2016 I contacted the retailer, informed them of my issue and was provided with the location 's loss prevention manager contact information. She was contacted XX/XX/2016, we spoke for 10 minutes and I was instructed she would call me back with information. The loss preventin manager contacted me 40 minutes later and informed me that she was able to video validate my information and would be able to refund the {$470.00} as soon as I was able to come to the store. She also reported that she has not received any contact from Citibank regarding my dispute. My complaint, CitiBank mislead me over the course of 3 1/2 months regarding the resolution of my issue and then informed me there were no additonal steps they could take. How is it then that I was able to resolve the issue in only XXXX20 minutes of direct talk time?

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