milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2017 about Student loan (Non-federal student loan) with URS Holding, LLC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have collection from XXXX University ; and I lost my job and Could n't pay for 3 months to the XXXX University and they send me collection for ALLTRAN ED I did agreement with ALLTRAN ED and I 'm paying every month without any problem But they do not inform credit bureau about agreement plan and about my payments I can not get any loan my credit history is very low. I cant fixed by credit history I called XXXX University XXXX department tried to explain the situation and asked them if they could recall my debt from collection agency but the XXXX University not willing to help either When I call collection agency they are telling me they will inform next 15 days or next 30 days or next 60 days they will inform bur already over 1 year they still did not informed still they do not want to inform credit bureu about payment plan and my peymants

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I cancelled my service with   XXXX   2 months ago and paid my outstanding balance. The clerk on the phone verified everything was balanced. Now I 've recieved a collections letter from Convergent Outsourcing asking for {$160.00} on the behalf of  XXXX . I have never missed a payment for the 3 years I was with them. I never recieved a notice of any kind from   XXXX   that I owed them more money, so I did n't even get an opportunity to dispute or enquire about the charges before my account was sent to collection. Is n't that an illegal practice? So far I have sent a letter to Convergent in response to this matter. Apparently   XXXX   is doing this to many consumers, which unfairly affects people 's credit scores. I have done research, (   XXXX   BBB and CTW for  XXXX  complaints ), that verifies many complaints about   XXXX   billing and collection practices. For anyone dealing with  XXXX  or thinking about doing so, beware. I encourage anyone to  XXXX  complaints for this company as the in formation is very informative. How do they get away with this?!

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 03/20/2017 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: APR or interest rate

Complaint: I was not properly informed by Synchrony Bank to pay the interest free balance with the extended period on 30 additional ; day. I did not receive a bill in the mail neither was informed by the representative during the previous months call. I believe that the interest should be waved and they accept my payment and close the 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 monetary relief
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an XXXX Judge, I live in XXXX. The debts they claim I owe are over 10 years old. The Attorney is XXXX, XXXX and XXXX XXXX XXXX in XXXX XXXX. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is Asset Acceptance , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I am having an issue with Coinbase and was advised to reach out to you guys as a lot of people have been getting issues resolved when going through CFPD. 

I initiated a withdraw from my CoinBase account on XX/XX/XXXX to my Bank Account ( Please see attached screenshot ). Coinbase said I should received the funds on the XX/XX/XXXX. It is now XX/XX/XXXX and still no funds in my bank account. Transaction is still showing as " pending '' on their website. 

I have reached out multiple times to CB support. Got a reply 3 days later from the first time I reached out to them. They asked for information that I had ALREADY provided to them initially. Seems like they are stalling, trying to buy time, or just ignore their customers. Upon my follow up email I still have n't received another reply from them and its been 2 weeks since then ... 

Please review my case and please help me! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed items on my credit report that either did not belong to me or were not reporting accurately. I only asked for the items to be removed or updated. I received a response of verified from creditor but NEVER received proof of verification that the items in question were mine or reported accurately. It is by law my right to receive this information or I demand that the following items be removed or updated : XXXX XXXX XXXX - I HAVE NEVER had a payday loan and I DEMAND proof that I applied for and received these monies or remove it from my report. 
XXXX XXXX XXXX - I was a co-signer on the vehicle. I should have been removed. I have demanded a resolution to this matter and it is being ignored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (AL).
Issue: Other transaction issues

Complaint: I sold an XXXX XXXX on eBay to a buyer in XXXX. I used eBay 's recommended shipping method of USPS first class mail. The funds were transferred to my PayPal account from the buyer. PayPal then released the funds to me after 3 weeks, but before the package had been listed as delivered. The phone was said to have arrived in XXXX, XXXX 5 days after I sent it from XXXX and there is no other tracking information available. The buyer then claimed to have never gotten the phone and filed a complaint with eBay and PayPal. I contacted eBay about the complaint and they granted an additional 15 days before hearing the case. 8 days after that, PayPal went ahead with the case and ruled in favor of the buyer. They refunded him the {$190.00} he paid and now I owe them that because the released funds had already been transferred to my bank. I contacted the very rude customer service reps at PayPal and they said it 's their standard policy to side with the buyer, but lots of scammers come from that area of the world. After talking a supervisor with customer service he said " sorry, that sucks '' when I asked for my money to be refunded since they allowed it to be effectively stolen from me. I also called eBay who told me there was nothing they could do besides investigate the account but it was " probably created for this purpose. '' I now owe PayPal {$190.00} and do not have the phone because they allowed funds to be transferred to the bank before delivery had been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been paying on my student loan for over 10 years, how do I still have a {$21.00},  XXXX  balance?     In  XXXX  I fiel d Chapter   XXXX , my bankruptcy began paying {$500.00} towards my student loan for at least  3 1/2  years. {$500.00} for 30 months is around {$15.00},  XXXX . After the bankruptcy was  discharged  in  XXXX  i continued making payments and balance is still not decreasing. What is  Navient d oing with my money? Ive tried contacting them and get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (VA mortgage) with Seterus, Inc. (CA).
Issue: Settlement process and costs

Complaint: We have owned a rental home at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All monthly payments have been paid on time since we have owned it, several years. 
A XXXX Loan. Our payments are made to Seterus Loan number XXXX address : XXXX XXXX, XXXX, XXXX XXXX Tel. # XXXX or XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The loan was modified through out chapter XXXX Bankruptcy a few years ago. Class XXXX XXXX Bankruptcy XXXX # XXXX. 
Seterus company are holding XXXX of our payments and not crediting it to the loan. They are adding interest and late payments even though all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Payday loan () with Concord Resolution Inc (Closed) (TX).
Issue: Can't contact lender

Complaint: My place of employment received another phone call from Concord Resolution after being told not to call them so I called Concord Resolutions and spoke to XXXX XXXX XXXX. He stated that I took out a payday loan a few years ago but did n't say who the loan was with, how much I supposedly owe and after asking him to send me correspondence in the mail about the loan, he refused saying that there was no need to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: Hello,

On XX/XX/XXXX, I sent a wire transfer to Coinbase to the amount of $XXXX. A day later, Coinbase responded by saying the name of the wire did not match my account information, and thus they needed to reverse the wire. That email was sent on the XX/XX/XXXX, and they confirmed that the wire would be reversed in roughly 7 business days. It has now been 16 days since that email, and the funds have not shown up in our account. We have tried contacting support multiple times, and we have supplied them with relevant information regarding the wire.Warm Regards,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On XX/XX/XXXX I called us bank credit cards to inform them my office manager had stolen money from the company and left town since she had a credit card in her name I needed to have her removed from the account I was told they removed her from the account and that they would pass to the fraud department and credit me back any charges to the account. I thought all was taken care of until I recived a call from a collection agency in XX/XX/XXXX sale I owe XXXX after many calls to us bank they sent me statements I did not receive due to she was able to call get a new card and have the billing address changed to her address with out my knolage .they told me they would look into the problem and contact me this never happened the last call to them the supervisor told me even though I was primary card holder I could not remove her from the 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 09-02-2016 about Debt collection (I do not know) with Global Credit & Collection Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX XXXX to XXXX we received a daily recorded message to call Global Credit XXXX XXXX XXXX regarding a debt. We never returned these calls. WE DO NOT HAVE ANY DEBT.

Company response to consumer: Closed
Consumer complaint received 08-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: My name is XXXX XXXX and I attended XXXX XXXX in XXXX WA XXXX XXXX,2009. I took classes for XXXX XXXX. Could n't even tell you who the teacher was because we did n't have a stable one. I remember even attending on a day and no teacher was there at all. They would have another teacher from another department come and check on us. Ca n't remember much of what I learned because we really were n't shown much. Well go figure we did n't have a teacher. Crazy that all that money they want but ca n't even teach you nothing. Yea I got a book and basically tried to go over it myself and I feel like my grades were n't even real. We could just get to class sign in and leave. It 's like we were really just given a grade because we showed up. After I finished class, time for my externship which I had to find a site on my own??? which I NEVER FOUND. I went back daily trying to get help finding a site and they just brushed me off ... I was then told I had to re enroll in order to refresh because I could n't find an extern site, I THEN HAD TO TAKE OUT another loan which I regret. I hate that I now have to pay back {$13000.00} for what? Not to even be working in this field. I took this route because hey 9 months did n't sound too bad for a single mom.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: According to the Fair Credit Reporting section 609 ( a ) ( 1 ) ( A ) your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract. Unverified debt must be removed I sent all XXXX credit agencies certified letters to either produce and original contract which they could n't on debts for XXXX and XXXX. The court case : XXXX V. XXXX ruled that you can not take information off a computer source to verifying the debt. This precedent was also included in my letter.

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 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX 2016 I rented a vehicle in the XXXX, XXXX, XXXX,, XXXX XXXX XXXX XXXX. I returned the car full of gas, on time and I was given a signed bank receipt for certain amount. When I got back to the states and noticed that there was an overcharge of {$130.00}. 
Immediately I called the company in fluent Spanish and I was explained that the charges were for an exchange of a vehicle, that I had asked for since the keyless ignition locked me out, and the particular vehicle had a recall XXXX wide for that problem, and I was told that they charged for that, even though I sent Chase bank a copy of the recall and names of witnesses that helped me tried to start the vehicle. Regardless I sent them copy of the contract showing " free towing '' in which I paid, and was included in the contract. I waited for 6 months without a response and I reminded them of the time elapsed and all of a sudden without contacting the vendor and approaching them on the vehicle recall and free towing, they sided with them. This was fraud and they did not treated as such. 
When I approach Chase, they are very rude about it and do not want to explain as to when they talked to the rental company or what was discussed. I have been defrauded and they did not treat the investigation as such. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Beginning XXXX XXXX, I was contacted by a credit company, XXXX in XXXX, Georgia and they stated I owed money for a membership for myself and my son at a gym in XXXX, GA. I contacted the gym in XXXX 2016 and requested my month to month membership be cancelled as I was moving out of the area. I was told that I would have to pay for one more month as they had a 30 day cancellation policy. I agreed to that and my son used the gym one more time in the last month of the membership. I am now being told that 1 year and six months later, my membership is still active but in collections and they want me to pay money today or they will report this to the credit bureaus. They also contacted my son and told him that his credit would be ruined if he did not pay this membership today.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter requesting removal of the XXXX XXXX XXXX account because the negative listing is inaccurate and has not been verified. I sent the letter on XXXX/XXXX/XXXX and it was sent via the Online Consumer Portal. I received a confirmation notice via email that XXXX XXXX XXXX XXXX received the letter on XXXX/XXXX/XXXX. It is now XXXX XXXX, XXXX and I have not received a response. 

As there has been no communication from Early Warning, I can only conclude that they do not have the information available to prove the negative listing from XXXX XXXX XXXX. Because the negative listing remains in my file, I must also conclude that they are reporting this information in error. Early Warnings failure to respond to my request in a timely manner is a violation of the FCRA, as is the continued listing of inaccurate and unverifiable information in my file. 

Per the FCRA Section 611 ( a ), Early Warning must now delete the unverified listing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: Pep boys XXXX has not increase my credit line Makes it tough to use the card in fear of maxing out credit limit

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 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: experianXXXX XXXX XXXXaccount show collection/charge off ( should be unknown with a XXXX balance ) account was included in chapter XXXX bankruptcy filed XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Delinquent account

Complaint: I had my credit card for over 3 years and never had a late payment with the prior account servicer Household Bank. Once Capital One acquired the account, and since they took over my payments were not posted accurately to my account. They never processed my payments accurately from XX/XX/XXXX to XXXX 2014. My credit has been adversely affected and they are not willing to assist me. My credit score has dropped due to their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 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: Information belongs to someone else

Complaint: Dear Equifax/ XXXX XXXX XXXX XXXX ( CEO ) XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX- XXXX XXXX XXXX # XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inaccurate employer information XXXX XXXX XXXX i have never used or herd of that name before

Company response to consumer: Closed with explanation