milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Account opening, closing, or management

Complaint: I have been unable to use my account due to fraudlent activity because of identity theft i spoke with the fraud dept awhile ago to get it resolved nothing has yet to be done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Medical) with Seattle Service Bureau, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I am disputing this bill because it was never submitted to my Dental Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over two years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am an  XXXX   XXXX  military member that signed up with the   XXXX   XXXX   XXXX   on   XX/XX/XXXX  because they offered me 0 % Interest and {$0.00} Annual Fee for life of the ac count as long as I am on  XXXX   XXXX  status. During the application process they required me to verify my  XXXX   XXXX  date which was    XX/XX/XXXX  by having me send in my  XXXX .
 XX/XX/XXXX  BARCLAYCARD sent   me a letter contradicting what I original I signed up for and is now going to force me to pay {$990.00} starti ng on  XX/XX/XXXX  or I Cancel the account both options do not work.      -They state in the letter after review of  XXXX   records  I was already on  XXXX   XXXX  prior to application of the account and they wont extend the benefits anymore. This is outrageous since the military department  (   XXXX   )  verified my  XXXX   XXXX  date wa s in  XX/XX/XXXX . I t was the sole driver of my eligibility.     They also state in the letter they just extended certain benefits to my account at account opening based on their policy. This was not mentioned nor the case. I was told I will have 0 % and {$0.00} Annual fee for life of the account as long as I am on  XXXX   XXXX  and to contact them when my  XXXX   XXXX  status stops so they can discuss options.     I can not afford a {$990.00} annual fee and canceling my credit card will greatly affect my life since I rely on it heavily. Canceling the account will also crea te credit   score repercussions. This is either a classic Bait and Switch Tactic or Barclaycard is leaving me to deal with their mistake on the benefits th ey offered me up. I signed up only because of what they offered  XXXX   XXXX  members for the life of the  XXXX   XXXX  status. This was not a promotional offer that I expected to change after a year.     I have called numerous times wasting hours on the phone trying to resolve this. They have not offered anything to resolve the situation and are strong arming me into Canceling the account or Paying this new {$990.00} fee both options do not work. I am a loyal customer and would like to resolve 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 01-09-2018 about Debt collection (Other debt) with Carter-Young, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Carter-Young, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to XXXX. I went through the XXXX process denying that this is my debt and XXXX basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Sale of account

Complaint: I used my credit card to purchase concert tickets for a venue that was in our area, and I never received the tickets that I was charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: CapitalOne did not pay out for the following promotion even after I completed the requirement : Open a new Capital One 360 Money Market account with the promotional code XXXX and receive a bonus of {$200.00} when you complete the following requirements : Deposit at least {$10000.00} no later than XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was a victim of identity theft and noticed a collection from SYNCB/WALMART I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SYNCB/WALMART in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 01-11-2018 about Debt collection (Medical debt) with Armor Systems Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX never responded to my letter in regards to a medical debt that they claimed i owed. I do not owe any medical debt from XXXX XXXX. I sent a written letter asking them to validate on XXXX/XXXX/2017 and verify that the medical debt was mine and recieved no response.

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 11-06-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: In 2013 I received a XXXX for cancellation of debt for an amount of {$23000.00}. I paid taxes on this amount back in 2013. But currently all XXXX credit reports still state that my Balance Amount is {$25000.00}. This amount should be XXXX. This debt was fully cancelled and I paid the taxes on it already. My outstanding balance is currently zero. The credit bureaus should reflect that as well. Chase Bank USA NA is incorrectly reporting an old cancelled debt amount to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: Hello CFPB, I am writing to you today regarding my Checking Acct # XXXX with bank of America.The purpose of this letter is to see if you would kindly to help me to remove the hard notice on my name, where is the reporting of my SSN to XXXX ( XXXX ) and XXXX. 
During the time period this account in 2011, I was in XXXX, XXXX and I had returned XXXX checks from my account at XXXX XXXX in XXXX, where I was a XXXX XXXX at XXXX XXXX. Unfortunately, my money was delayed from the US department of State resulted in suspected fraud activities over my Bank of America account. I was not purposely violating the Bank of America regulations. I became aware of the unpaid balance when I got a copy of a XXXX report in of unpaid balance. So, I acted right away and I paid the balance of {$74.00}. under Cashier 's check No XXXX. I am hoping you might review the circumstances under which this occurred and consider removing the negative hard line associated with my name, and give me the chance to restore my relation with Bank of America, especially, I just arrived as a XXXX and I am building my new career of XXXX in the US. 
Your kind consideration in this matter is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sen t 4 lette rs to Transunion regarding inaccurate information on my credit report. The  15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Transunion failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible. I have provided proof of all 4 letters t hat were sent to Transunion as well.

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 08/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On Tuesday XXXX, I successfully wired in {$5000.00} to Coinbase.com to utilize their cryptocurrency services. Since then, my money has been locked in their platform due to a defect in their identification system, and I have not been able to close my account and withdraw my money since. Despite numerous attempts to reach out to Coinbase support, I have been met with zero replies, and am extremely dissatisfied with their service and worried about the safety of my funds. Coinbase has shown no interest in helping me resolve this issue, and I am very worried that their " identification '' system is simply a cover up to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For two years I have used auto pay to pay my student loans through Navient ( formally XXXX XXXX ), which are only configurable to the minimum payment. Several months ago I decided I wanted to pay more than the minimum - but am unable to pay a specific amount with auto payments. Thus, I stopped auto pay to schedule the payments manually. 

Over the last several months many of my student loan payments have been " refunded '' or not accepted ( paying via account I am positive has sufficient funds to make payment ). After making or scheduling these payments I have received confirmation numbers, and confirmed scheduling dates. From my perspective these payments were accepted, and credited towards my account. I have recently looked back to see payments not being credited to my account and extensive interest being accumulated. 

I have made payments over the phone that have been accepted over the phone, and then refunded for some reason. No emails, or notifications otherwise have alerted me that my payments were refunded. I have received notifications that my account has " needed attention. '' But no " payment cancellation '' alerts as I have had in the past with card errors, or other technical issues. 

Upon reading a recent article about similar practices happening with XXXX XXXX funded student loans I saw an eerily similar series of events taking place and I want to alert other people of these practices. It is intolerable that making financially smart planning decisions is not possible via Navient 's user interface, or even their customer service. I feel it is my right as a consumer to be able to automate my payments to any amount I desire. Further, it is also my right to pay with any means I see fit, however I am unable to use anything but a debit card, or bank account and routing number. There are pages upon pages of public forums from Navient users illustrating the frustrations with attempting to pay, and being unable. These practices further worsen the student loan debt problem that follows people in my generation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: " Your complaint number with XXXX : # XXXX '' is the original CFPB complaint today after receiving my Equifax Confirmation # XXXX page XXXX of XXXX " XXXX of your creditors '' was provided my credit information. They fraudulently pretented to be a creditor to get it. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (AR).
Issue: Making/receiving payments, sending money

Complaint: After conducting further research, in an effort to find out why ally bank/auto has been so adamant in trying to refute my Promissory Note, that is obviously, and clearly legal tender with paying off a debt with banks ; I discovered that fraud and a breach of agreement was committed by ally bank. After our contract was assigned to ally bank, through XXXX ; ally bank opened up a transaction account ( s ) in I and my wife 's name, from a Promissory Note that we signed, that became an asset for them, that they monetized, for creating the funds, for what they call a loan, that was really an exchange. Ally used our Promissory Note in exchange for our transaction account ( s ) as legal tender, and yet they say that it is not recognized and accepted by them as monetary tender, what kind of sense does that make! Ally bank opened up a transaction account in our name, without our permission, and we did n't receive a receipt for the deposit that was made from the Promissory Note! Ally bank violated the banking law GAAP! If Ally Bank tries to refute this, then I will demand full disclosure of ally 's Book Keeping Entries per the GAAP, that proves everything I said to be true! Also in the GAAP agreement, it states that the borrowers can repay the debt using another IOU-Promissory Note payable in the same specie of money, money equivalent or credit or funds or capital that the bank or financial institution used per GAAP to fund the loan, thus ending all interest and liens. How is it that ally bank dont ' understand the banking laws they are suppose to abide by!? The other proof to what I 'm saying is mentioned in the Federal Reserve Publication, page 3, it confirms that banks do n't give loans and that the Promissory Notes are to be deposited into a transaction account as an exchange. Last but not least, ally bank only gave me back one of the Promissory Notes I sent them, and even if they would have sent me back both of them ; they still could have made a copy and deposited them. The only way to tell is what the Bank Book Keeping Entries show, if I have to go that far ; all I want, is what is rightfully ours, the Title to our truck, showing paid in full.

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 04-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient, then XXXX, essentially give me no assistance. They expect me to XXXX out over $ XXXX in student loan payments. This does not include the other loan payments from other entities. The amount of loan payments per month is more than full rent, and nearly implausible to pay. Upon asking for income based repayment, I 'm told I 'm not eligible anymore. If I ask for any other assistance, I 'm told I have no options. I accepted these loans via financial aid in XXXX, which in itself is a scam of a school. I believe they are also under federal investigation. My life is nothing but student loan debt and the sheer amount of debt in just this is crippling. I am barely making ends meet when I have a XXXX salary. This should NOT be how people live.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Payday loan debt) with Miller and Steeno, P.C. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I may arrangements to pay XXXX dollars a month on debt with agreement to check in see if I was in position to make larger payments. Today XX/XX/XXXX I called to see amount still owed. The representative I spoke to asked if I could do a higher amount..I looked and offer XXXX a month. She said she would discuss it and call me back. When she did..she said she could only do XXXX a month.. my payment of XXXX a month was expired according to them, I had planned and budgeted for XXXX this month. She said she had to have XXXX this month or further legal action would follow. She stated that what she was setting up for that and if I did n't pay XXXX on XX/XX/XXXX I would default and more unpleasant action would follow. My original amount I owed was XXXX dollars after paying XXXX for over a year or better my total amount left to pay is was over a thousand. That was XXXX plus fees on account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have a number of accounts with Wells Fargo : Mortgage Line of Credit Account Checking Account Savings Account I have been a customer of Wells Fargo for over 25 years with them and predecessor companies. 

They have now charged me a monthly fee of {$30.00} with some incomprehensible explanation of why I was charge this fee in 2018 when they have not done it last year. I complained and they gave me a {$7.00} credit as a " nice gesture ''. ( I keep {$500.00} in savings and I think they demand I keep more. ) To me as a customer with many accounts where I pay a lot of interest, i.e. mortgage and line of credit, I think it is outrageous to be charged {$360.00} a year for the pleasure of being gouged by the bank.

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 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian keeps posting incorrect name and date of birth and this effects people looking at credit report. It makes it seems I use other identification and I have never used the information they use. See attached is copy of report shown and it shows XXXX XXXX XXXX and date of birth of XXXX/XXXX/1958. My name is XXXX XXXX XXXX with DOB XXXX/XXXX/1958. 
Three months of trying to get it corrected by them has been waste of time, they ignore all request to correct.

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 02/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After graduating college I tried to get some information about my student loans from Navient on how to consolidate my loans so i could lower my interest rate. I was n't provided with any information. Navient seems like bullies when they are always " pay me, pay me '' and do n't care about the customer. I am {$100000.00} in debt with them because they failed to help me. Sometimes i feel like i have to chose between eating everyday or paying them. They say my monthly payments are around {$650.00} a month. They do n't provide enough information to the borrower and did n't let me know the interest rate and I am just finding out that all my loans are private which I thought they were federal loans. This is becoming a XXXX for me and I am out of options. I am asking you to please look into my account. I will provide screenshots of how much I owe and the interest rate on the loans. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank transferred an account from a deceased individual into that deceased individual 's wife 's name without her consent or authorization. Wells Fargo Bank is now trying to collect money from the wife when it was her husband 's sole obligation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit card () with ENCORE CAPITAL GROUP INC. (MN).
Issue: Delinquent account

Complaint: I recently had my checking account garnished without warning for XXXX ( which has rendered me unable to pay my utilities ) i recieved a letter stating i owed XXXX after the fact. I traced where this came from and it was due to account from a XXXX account i had XXXX years ago and im fairly sure the credit limit was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting monthly data that includes a delinquency/charge off for XX/XX/2008 for XXXX. That is beyond the 7 yr reporting time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation