milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Debt collection (Medical) with Sa-Vit Enterprises, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Visited doctor 's office ( XXXX XXXX XXXX XXXX, XXXX, XXXX, NJ ) in XX/XX/XXXX. Paid co-pay amount as per the doctor 's office at the time of the visit. 
Later, we received an invoice for {$180.00} from Doctor 's office. We denied to make the payment as we were not informed by extra payment at the time of the visit. Doctor 's office hired a Debt collection company ( Savit Collection Agency ). They called us few times. We explained them our position. We reported this issue to insurance company. As per the insurance company, Doctor 's office was supposed to call insurance company at the time of treatment to find out and inform patient about total out of pocket cost associated with consultation ( doctor mostly talked about how busy he is during consultation and did n't get any treatment ). We disputed the amount due under collection. SAVIT kept sending letters for collection. 
Finally, we made full payment ( {$180.00} ) to doctor 's office on XX/XX/XXXX via XXXX XXXX credit card. 
Collection agency ( Savit ) never reported to Credit Bureaus that this matter is settled with patient. Intention was to put our credit in jeopardy. 
We opened up a case on a website ( XXXX ) in XX/XX/XXXX as we were interested in buying a house at that time. They rejected case and did n't do anything to fix our credit. 
We see this as an attempt to jeopardize our credit to give us hardship by Doctor 's office and/or SAVIT Collection Agency. 
As we speak, we are in the process getting loan for our new house. Lender is offering us higher interest rate due to my low credit score. I never had any outstanding payment and/or behind on any payments in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1. XXXX and XXXX collection company posted a {$XXXX} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Toyoyta financial Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: JPMORGAN CHASE is reporting my auto loan erroneously to credit bureaus. They are reporting a Ch. XXXX bankruptcy when this is not true. I paid a {$10000.00} downpayment and paid off the loan early. This account was not in any bankruptcy. I contacted Chase Auto and my account has been archived as it was paid off years ago. They refused to verify the information and did not have any data or payment history of my loan. This loan had XXXX late payments. I paid additional to the principal until payoff. 

I have complained about this issue on numerous occasions but this has not been corrected to date.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I reviewed my Equifax Credit Report and observed that Equifax is reflecting XXXX late payments on my XXXX XXXX car loan ( XXXX and XXXX XXXX ). I contacted XXXX XXXX and they confirmed that I do n't have any missed payment 's and that my account was in good standing until my account was paid in full on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report inaccurate information regarding XXXX XXXX XXXX XXXX XXXX XXXX Accounts with the account number beginning with # XXXX. XXXX on behalf of XXXX XXXX issued a letter stating that the status of the loans are inaccurate and were directing the credit agencies to remove the negative information from my files.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: A top story in the news today ( X/X/2017 ) is the massive data breach of borrower data collected and maintained against borrowers and potential borrowers. Equifax tracks my credit worthiness. I want to know whether my personal data was among that which was breached and whether CFPB is going to enforce my California Constitutional Right to Privacy, and how they intend to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is in reference to a complaint I submitted with CFPB in the past ( # XXXX ), my home was wrongfully foreclosed upon in 2010. Due to this situation, I have received XXXX settlement and have been recently notified to receive another settlement by the Georgia Department of Law. 
I would like to have the foreclosures removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: APR or interest rate

Complaint: I have a of Capital One 's Sparks Business Card that I took out in XX/XX/XXXX after I began my financial practice. My business closed shortly have the XX/XX/XXXX crash but I chose not to claim bankruptcy, but instead try to manage the huge debt that I accumulated. I have been nursing a {$14000.00} balance on the card and up until just recently have used the card regularly. On XXXX XXXX, XXXX, I contacted Capital One 's call center due to a cash flow difficulty because my next pay period was falling on the XX/XX/XXXX and my payment date was the XX/XX/XXXX. The representative was very nice but he omitted some very important information concerning what would happen if I missed my payment date. I asked him to move my payment cycle to the XX/XX/XXXX to help make the current payment on time as well as future payments. He informed me that he can move the date but it would take a whole payment cycle. I explained that I could n't make my payment until the XX/XX/XXXX to which he answered, that I just needed to call back and they would reverse the late charge. 

On the XX/XX/XXXX, I logged into my account to make the payment as I promised and noticed that Capital One had now doubled my interest rate, which cause me to also go over my credit limit and generated another {$39.00} fee in addition to the {$39.00} late fee. I called back the next day ( Saturday ) and ask for a supervisor. Although she agreed to credit the account for the charges and the extra interest on that bill, she said I had to continue to pay the 29.4 % interest rate for twelve months before they would consider lowering it. It was formerly at 15.9 %, already very high for a period of historically low rates. I was having trouble making the minimum payments of $ XXXX/month and now I 'm expected to make $ XXXX/month payments? I calculated that to be an extra {$1900.00} on a {$14000.00} balance over the next XXXX months for being XXXX days late. I told her that I needed to speak to someone who had the authority to make a decision to change my interest rate back to where it was. At first she would only offer me the general correspondence address, but then when I press her she said that she would have someone call ; but no one every did call. 

Finally, I call back on XXXX XXXX and immediately asked for a supervisor. I spoke with XXXX who really did n't care to do anything for me except offer me the same address as before. By this time, I was pretty heated so I told him to close the account and send it to collections because I can not pay it as is. I do n't know about the latter, but he did close the account and this is where I am with it today. Can you please help me? I did send a letter on XXXX XXXX, to the address they gave me, but after reading some of the complaints online, I doubt if I will get a response. Your assistance will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Santander Consumer USA refuses to allow me to voluntarily surrender my car back to them and insist on repossessing the vehicle and charging me to do so. I can not afford the exorbitant charges and interest rate. They insist that I should pay XXXX to get another 30 days to pay when I can not afford to do so and I just want to return the car.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I was approved for a {$950.00} loan with this company " Big Picture '' and was never told that they were charging 800 % interest. They have been debiting my bank account in the amount of XXXX of the loan value every 2 weeks, since taking out the loan. When I spoke with a representative of the company today, to pay the remaining principle of the account off, I was told that I had not paid any principle on the loan thusfar, only interest. " I have paid over {$1900.00} to date on this loan and have not paid any interest '', I said and the representative proceeded to tell me that I may not pay off the loan, without paying an additional {$350.00} servicing fee. So let me get the straight, I have paid almost XXXX dollars on a {$950.00} loan and am left with the full {$950.00} balance plus an additional {$350.00} fee to pay the loan off? That is the definition of a predatory loan. I would like help resolving this issue, as I would never have taken out this loan had I known these issues would exist. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Hi, I sent a SEPA transfer on XX/XX/XXXX from my bank account to my Coinbase account. The total amount was XXXX. 

On XX/XX/XXXX Coinbase reversed the payment and sent me this email message : " We're unable to process your recent deposit for XXXX EUR sent on XX/XX/2018. 
These funds will be returned back to the sending bank within 1-2 business days. '' Two weeks have passed since then and the money have not reached my bank account yet.

I opened a support case asking for this issue and they answered with an automatic respond. After that, I have sent several mails to Coinbase regarding this issue, but they do not respond anything.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In reaction to a previous ruling by the CFPB, i stopped payment to XXXX XXXX Services. However, they responded by selling my loan to UAS ( University Accounting Service, LLC ). It was to my understanding that anyone that a genesis loan was sold to, must obey the same stipulations that were set forth in the previous agreement. On a further note, on XXXX XXXX, 2015 a federal judge ruled in saying that XXXX are solely responsible for any outstanding XXXX Loans, and that the students are not. UAS has now threatened to send my accounts to collections, as well as report my nonpayment to the credit bureaus. I am disputing both of these actions, and also arguing my defense to repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I submitted the request for an income driven repayment plan 4 months ago and it has still not been processed. I have called Navient multiple time to resolve the issue and to no avail it has still not been processed. Navient has mixed up the paperwork with another request I submitted for consolidation which was cancelled, told me that they lost track of the request and would resend it to their processing department, lost it again and then confirmed with their processing department that everything needed was submitted and then put a rush on the processing, and now they have denied it stating they ca n't use the  XXXX  as proof of income due to a new Federal rule that went in effect in  XXXX  ; even though this was all submitted well before that date and they just failed to process it. This is a major financial hardship for me and they continuously make up excuses to draw out the process.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a public record listed Release tax lien, this does not belong to me. I have disputed and will keep on disputing to remove this mistake. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: As I stated in my previous complaint, I have no business with this company. I owe and pay  XXXX  monthly and will continue to do so until this debt is paid. I will not  pay Transworld Systems INC. an ything neither will I pay  XXXX  anything more than I owe in my contract with them. The information sent to me via this site is only information this company obtained from  XXXX  not validation I owe this company anything. There is no signed contract between this company and I so I ask that they not contact me any further if they do I 'd like them charged for harrasment of a creditor for a debt that 's being paid. I will provide the m one  more time this information of my business with  XXXX  and they need to leave me alone. It is not legal to harass consumers for paid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (GA).
Issue: Account opening, closing, or management

Complaint: My PayPal  account (  XXXX  XXXX  XXXX  ) was permanently limited on   XXXX   XXXX   XXXX    . During that time, I had opened a significantly not as described ( missing parts ) claim against  XXXX   XXXX . This claim was resolved in my favor today (  X/XX/2017    ). However, over {$400.00} was refunded back to my  PayPal balance,  and I am unable to withdraw this money due to my limitation.   I have submitted a previous complaint addressing the limitation, so I will not dive into details here. In summary, I have ha  d this PayPal account for over 3 years with zero negative records, and have always abided by PayPal 's User agreement.
I am requesting that my PayPal balance be made available for immediate bank withdrawal. Since this is my money which I paid for a significantly not as described product, it makes no sense that it is being held from me. The case has been closed in my favor, and as such, I should have access to my funds.
Again, a refund which was issued to me is being held for no reason, please make my PayPal balance available for withdrawal.
Thank you for your help and consideration.

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 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I requested validation of this debt XX/XX/XXXX and this collection agency sent a letter in response that they were deleting it from my credit report, however when I got the results from my dispute the account still remained on both XXXX and XXXX. I sent in a copy of the letter received stating the account would be removed to both of these bureaus and still they are saying that Enhanced Recovery is verfying the information to be correct. This makes zero since being that they have put in writing they were removing the account. As you can see the deletion letter is dated XX/XX/XXXX and the XXXX credit report is dated XX/XX/2016 and when XXXX verified this information they had a copy of the deletion letter on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX I sent a dispute letter to Equifax certified mail asking them to send documentation and proof of debts belonging to me. Equifax received my certified letter on XXXX XXXX at XXXX after receiving my letter they provided no response and no proof of debts belonging to me. It is now XXXX XXXX, 2015 and the debts are still unverified and have still not been removed for my credit files. Under section XXXX ( a ) ( XXXX ) ( A ) ( I ) they have not provided me with documentation of accuracy of the disputed accounts and all items should be removed immediately. I am asking that they honor FCRA 15 U.S.C. 168li, and remove all unverified account immediately other wise they a continuing to report unverified debts on my credit reports. Attached I provided the dispute letter I sent and the certified tracking card from USPS tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NM).
Issue: Fraud or scam

Complaint: I made a purchase on XXXX XXXX which involved a Money-Gram ( Walmart ) money transfer. after remitting the funds, the next day, I received an email from XXXX XXXX requesting additional funds for " Shipping Insurance ''. There was no mention of any insurance prior to purchase. I sent emails to both parties ( seller & XXXX ) requesting to cancel the transaction and refunding my funds. I receive no replies from either party. I have been SCAMED by someone posing as XXXX XXXX. How do I take legal action to retrieve my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/18 I filed with Experian credit Report disputing alot of errors, and 1 account never was not opened by me one account is current ( XXXX XXXX XXXX ), and one collection that was also not opened by me. They said they would investagate these accounts ( XXXX XXXX Credit Card ) ( XXXX XXXX University ) and, a collection with XXXX XXXX XXXX company. All these accounts I never opened, or owe any money to. I also filed with XXXX and, XXXX about a month those two credit companys did there investgation and, found during there investgation in fact I never opened and, of the accounts above. Experian credit report company waited about three hours and, sent me a email the same day I disputed today XX/XX/18 saying they where not changing anything and my credit report was updated. Ok so are you going to investagate this in one day normally its takes up to 30 days experian did not do any type of investagation and, is damaging my credit by not removing fraud accounts. They other companys did remove them from my credit reports. This is against the ftc and, that is why I am filling not only a compaint here but, also with BBB.

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 07-03-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: In XXXX 2017, XXXX XXXX XXXX sold my mortgage loan to Nationstar with mt first payment to Nationstar being made in XXXX 2017. Nationstar is showing account delinquent for XXXX 2017 which XXXX XXXX collected. All payments were made to XXXX and transferred to Nationstar during the course of lender transition. Nationstar was provide all documentation by XXXX XXXX reflecting that my account was current. Nationstar / XXXX XXXX called me in mid XX/XX/XXXX apologizing for the error and indicated my account would be corrected. However, that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: Regarding case # XXXX. I do n't have the time to mail this in as Bayview is proceeding with trying to steal my home. Newest foreclosure auction date is XXXX/XXXX/17. I am attaching the supposed report they sent me showing the audit of my loan and crediting my account that I can not decipher because it looks to be an in-house report with codes. It shoiuld have been attached, but it would n't allow me to attach it

Company response to consumer: Closed with explanation