milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with PNC Bank N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I am submitting this complaint as to why i can not open up a bank account anywhere and why my account was closed. I was a victim of identity theft that i reported once all my personal information and files with my important confidential info was stolen by a supposedly 'trusted ' individual. It really corrupted the credit i was building for myself and it got even worse when i started getting denied access to my own funds, accounts began to close and now i stuck without a bank account in my name. I really need to know how to make this all go away. I am just a XXXX working to pay my bills and the support system that i thought i had whom i had also entrusted scammed me and went MIA, and left me in a bad position with proceeding in my life financially.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have been dealing with Navient for the past year. The main issue I have is they call relentlessly even after speaking to a representative and stating I am in the process of a new job where I will be able to start payments. They still continue to harass me. It is one thing to c all once a week if there is debt to collect but I find it completely unacceptable and an abuse of technology to send automated systems to call a personal or work phone 5 times  a day or more. Then to make matters worse it will call any co-signer and harass them similarly.     I would n't be as annoyed and outraged if I had n't already spoken to a representative from Navient several times about becoming employed with a new  XXXX  job and that I will be paying the loans in the next month that I am behind on. Also, I am an   XXXX   XXXX   and work in   XXXX   XXXX   so I understand the abuse they are using by putting personal identifiable information in these perpetual call cycles. Their needs to be regulation around this just as there is with most credit/finanicial and federal law.     The government can be held accountable insofar that yes these are private loans I accrued through Navient. However, how is anybody supposed to pay these loans back when if you do have a " decent '' income and are luckily employed after graduating college when so many taxes get taken out of mediocre salaries. If we actually want to have these loans paid out to private lenders and the government we need to get real with the end-users i.e. the   XXXX   XXXX   millennials who are going to be in debt the rest of their lives. Education level needs to be standardized in pay rate and allow you to be rated into a higher salary no matter what so you can pay back loans. Otherwise the government needs to take less tax from people who owe education loans and put the money they tax out directly on their loans they owe. It 's not difficult but it will be the downfall of the economy if we do not take the education loan debt seriously.

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

Complaint: On XXXX XXXX, XXXX, I learned that Equifax had improperly allowed unauthorized parties to access my personal information, including my social security number. This incident happened in XXXX, but the public was not informed until today.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX has been contacting me since XXXX 2015 or earlier, for collection on a Citibank credit card account that belongs to my husband, who filed for bankruptcy. The Citibank account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of XXXX XXXX. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: discover student loan : Interest rate .0945 % XXXX XXXX starting balance : XXXX @ that rate the whole year the interest would be $ XXXX.However, the interest charged was XXXX Qualified Student Loan Interest Paid Amount Year Interest Paid XXXX {$8000.00} So the interest if paid on the {$82000.00} was paid every month it " only " comes to {$7800.00} with the balance dropping about {$8000.00} during XXXX how is this possible? 
XXXX XXXX statement balance {$74000.00} XXXX XXXX statement balance {$74000.00} Never late never any fees This loan was sold by XXXX a to Discover and the Starting amount between the XXXX is also suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Wrong amount charged or received

Complaint: I purchased some bitcoin on XXXX ( What a great day to be scammed ) and the transaction fee said {$1.00} - Okay, no problem. 
Put through an order with a merchant and they told me they were only paid XXXX dollars out of XXXX -- Turns out, they charged me an astronomical XXXX out of XXXX dollars as a transaction fee! I would have NEVER put this transaction through if I was made aware of this charge! WHO WOULD?! 
It 's robbery and this company is a huge scam! 

I called, after an hour on hold, they said to email them and they ca n't help over the phone ( what?! ) .. Go to their site, and their email link does not work and they would not provide me with a working email address over the phone. I finally found an email address on XXXX, emailed them, got an autoresponse that they wo n't do anything a few hours later. 

I 'm in the process of completing a charge back with XXXX XXXX at the moment ( if that even happens! )

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Contacted TransUnion customer service and spoke with  XXXX  she would not help and take care of the negative inquiries reporting to your credit report.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 with explanation
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with NPS GROUP (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This agency contacted 3rd parties my brother in law father, who I have no relationship with or talk to at all, Not even sure how they got to him. I contacted the agency on X/XX/17 to advise not to contact anyone other than myself and asked that they remove from contacting anyone but me, they stated they did not have to do that. I advised they are required by law based on the Fair Debt Collection Practices law, which he said that piece of legislation does not apply to them. He ( XXXX ) became very rude and I told him that he needed to do what I asked. He just kept talking and I told him I would be filing a complaint as I had done research on the company and they had a reputation for illegal practices. He then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I contacted Capital  One  Credit Card company to inform them I was an a serious   XXXX   XXXX  t  XX/XX/XXXX  which I was not at fault. As a result of   XXXX   I received severe  XXXX   XXXX   XXXX . Since   XXXX   XXXX   I have been under care of several physcians one being my  XXXX  who have worked continuously to help aid in my recovery. As of   XXXX   XXXX   XXXX   I have gained my memory back and thus have started back full time with my employer. I contacted  Capital one  to bring my account current and was told that  Capital One  would not accept payment and would not reestablish the account which closed according to representative 5 days prior to my calling in on  XXXX / XXXX / XXXX . I have new banking information with my credit union and no longer have any other affiliated banks and thus informed Capital One that Bank  XXXX   XXXX  Account was closed immediately following my car accident but I was not consciously or cognitively aware that any payments to  Capital One  were affiliated with my former Bank  XXXX   XXXX  Account. I explain that I have legal documentation of my  XXXX  now and due to my  XXXX   XXXX   XXXX  was not consciously aware of my daily surroundings or activities. I have the money in my account to pay  Capital one  and would like to have my  XXXX  credit card reestablished. I have documents from both my car accident attorney, neurologist, and my employer that displays my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I went into the Victoria Secret Store to purchase some items. When I went up to the counter to pay. The woman told me she had to call Customer Service about my Victoria Secret Credit Card. According to the woman, my card was restricted. And could not use. Prior to this a week, they increased my credit limit. I have been a customer with Victoria Secret since 2014. Only been late on one payment. It was embrassing, got home and called them and was told due to my credit report they can not allow me to use the card. You just increased my limit and been a customer for 3 years. Now, there going to close my account and leave a negative mark. I do n't understand how this is legal to do. I will keep making my payments, and when I call them, I get some one new every time, telling me different things. Why check after 3 years? And why give me a credit increase.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Other debt) with Interstate Recovery Service, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or around XX/XX/XXXX timeframe I received through the mail a promotion from XXXXXXXX XXXX  XXXX XXXX were I could choose some magazine subscriptions in exchange for unused miles about to expire from air travel companies, which I mailed back with some choices. 

Over a month later I've got a call from a person from this same company requesting to update credit card information from my husband 's credit card that somehow they had with them. They also made questions over and over trying to confuse me and make me agree to choices I didn't want to make about subscription length. Every time I answered no to a question they would restart all the questionnaire saying I couldn ' t make that choice and using questionable sales tactics and trying to force me to agree to their preferences. 

In XX/XX/XXXX they sent a letter confirming subscription to 5 magazines for 4 years, which I never intended to make with a charge of {$39.00} a month for 30 months for a total of {$1100.00}. 

They charged {$39.00} to my husband 's credit card in XXXX and XXXX but never sent any magazines and we didn't authorized any charges because it was supposed to be in exchange for unused miles. 

On XX/XX/XXXX we received a letter from this company requesting payment because that credit card they had on file was cancelled. 
I replied on XX/XX/XXXX that I wasn't interested in their magazine subscription since they never sent the magazines, and they had charged the credit card unduly and that I wanted all the subscriptions cancelled. 

On XX/XX/XXXX we started receiving and returning to sender the first and all subsequent magazines sent to my address by this company. Nevertheless, they continued sending magazines through XX/XX/XXXX, all of them returned to sender and then they stopped. 

In XXXX I started receiving phone calls from this company trying to collect a debt of {$1100.00}, which I refused to pay since I never agreed to it. 
Subsequently, collecting agencies have been calling for this same issue. 

On XX/XX/XXXX received a letter from Interstate Recovery service, dated XX/XX/XXXX stating the debt was assigned to them for collection, which I'm still disputing as invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Billing complaint - overcharged, then the outstanding bill was sent to collections agency and hurt my credit. Had a vet check up in XXXX for my dog. Paid bill in full during time of visit as required with debit card. Later on, I got a bill for {$130.00} and I disputed it with the clinic. The clinic claimed I had not paid my bill in full ; despite me doing so before I left the clinic during the time of my visit. They then sent the overcharged, outstanding bill, to a collections agency and hurt my credit score. I was forced to then pay the outstanding amount to alleviate the damage to my credit score. I did not owe this money, I had already paid my bill in full on the day of my appointment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am attaching a letter that I sent to Experian on XXXX XXXX. Over 3 months have passed, and I have not gotten a response from them. They are supposed to respond within 30 days.

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 01/19/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: My debit card account was illegally accessed. Among the items fraudulently charged were items that the criminal charged on XXXX XXXX, 2016 at XXXX inthe amount of {$640.00} and had shipped to XXXX, New York ( I do not live in XXXX, New York ). Citibank at first after I discovered and reported the unlawful charges credited my account the {$640.00} ( there were a number of unlawful other charges that were also credited ). Then, over two months later on XXXX XXXX, 2016, Citibank took the money back. So much time had passed that I did not know what the charge was even for. I called Citibank and over the next two days spent over four hours on the telephone with differennt representatives, but they were unable to explain why this charge was present. Finally I thought to call XXXX customer service. They were also perplexed because they had internally concluded that the charge was in fact fraudulent. XXXX and I called Citibank. With this additional information Citibank could not explain why it had chosen to reverse the charge. XXXX offered to provide a statement in writing agreed to acknowledge its conclusion that the charge was fraudulent. Citibank then agreed to repoen the investigation. But my account was not credited. A few days later I called Citibank to ask for an update and - after a great deal of time because once again no one seemed to be able to access the notes regarding the events noted above - Citibank said that it would not reopen the investigation to accept XXXX information and statement and that I would have to file an appeal. I said that ( 1 ) Citibank has ALREADY AGREED TO REOPEN THE INVESTIGATION, so I should not have to appeal and ( 2 ) it was clear that Citibank had already failed to conduct any valid investigation of the facts ( based on their inability to expllain what investigation took place ) so Citibank should do so first conduct a proper investigation before forcing a customer to appeal. At that point Citibank stated that it would be no further help to me and I realized that ( 1 ) I needed to come here to get my money properly refunded and ( 2 ) Citibank needed to have its system reviewed to ensure that it was providing its customers fair and due process.

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 11/17/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: I filed bankruptcy XXXX and was XXXX XXXX. My online account was restricted with Santander and upon calling in to check my balance, employees had no access. After being discharged from bankruptcy. I could see my account was delinquent. I started making regular payment. XXXX. I had no statement or access to my account, but I still made a payment. My vehicle was repossessed XX/XX/XXXX w/o notice which is fine. The problem lies in the fact that after I called to make arrangements to bring my account current, I was told Santander could not confirm that my vehicle had been repossessed. I blindly paid what I owed. I called XX/XX/XXXX to make sure my payment had been processed and I could retrieve my vehicle. The payment had been processed, but there was no formal repossession paperwork so they could not release my vehicle until Santander formally filed the repossession. I spoke with 4 different entities regarding picking up my vehicle. First I was told it was local, and then XXXX NY ... Etc. Finally given the # of the storage facility it was closed. I feel like this has been poorly handled and would like to file a formal complaint. Santander picked up my vehicle XX/XX/XXXX without filing out the proper paperwork or giving proper notice and still have not gone on record to say to me that they repossessed my car. The bankruptcy department has never spoken with me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Without any prior notice I received a letter dated XXXX XXXX, XXXX, stating that my AT & T Universal Platinum Card account, which was issued as a charter member in XXXX, was closed. I called several times to the Citi Bank number on the card ( Citi purchased the cards accounts years ago ), and received answers that bordered on the rude and who cares category. The latest person I spoke to was more than happy to reopen the account with a new application and credit report inquiry, and probably different terms also. I told him that no prior notification was provided, and his answer was " too bad ''. 
Under the Credit Card Act of XXXX, there is a provision that 45 days notice must be provided for changes in terms and conditions. No such notice was ever given. This card was not used a lot, but I do n't recall any new rules having been adopted that credit cards must be used all the time for everyday purchases. I realize that this might not get far, but if other people have had similar experiences, maybe some attorney might want to look into the practices of Citi Bank and their breach of contract actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax Credit XXXX is reporting XXXX dismissed judgements on my credit report. I have disputed XXXX judgements and Equifax is responding to my disputes with the same response, " The judgement has been verified as correct and is being reported correctly. '' The Creditor/Lender agreed that once the judgement had been satisfied ; the satisfied debt would be removed. Equifax will not remove this from my credit report even though these judgements are not showing on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Closing/Cancelling account

Complaint: My father has XXXX and I have his power of attorney so I can help with his finances. American EXpress has failed to accept that P.O.A despite me sending multiple copies, the attorney on file 's name and phone number and an explanation that there is not a notarized ink copy, only an embossed copy that does not show when copied. The attorney 's office even etched over the embossment so they could see the notarization. There is only XXXX single embossed copy, so it is not an option to provide that. Every other company, including banks has accepted it. In the mean time my Dad is charging things he does n't remember or need and depleting what little money he has. I believe AmEx just wants his money.

Company response to consumer: Closed with non-monetary relief