milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2017 about Credit card () with CITIBANK, N.A. (UT).
Issue: Billing disputes

Complaint: I disputed a XXXX/XXXX/XXXX charge for {$350.00} to my credit card account by letter to my Credit Card Company on XXXX/XXXX/XXXX. The charge was credited back to my account and a dispute opened. I responded to form letters from my Credit Card Company providing the requested information : ( 1 ) form XXXX date XXXX/XXXX/XXXX -response XXXX/XXXX/XXXX, ( 2 ) form XXXX date XXXX/XXXX/XXXX - response date XXXX/XXXX/XXXX, and ( 3 ) form XXXX date XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX form letter provided response from the merchant and requested a " new letter addressing the merchant 's documentation '' to be returned by XXXX/XXXX/XXXX. My credit card account was rebilled by my Credit Card Company for the {$350.00} on XXXX/XXXX/XXXX because " it was determined to be a valid charge. '' My response letter required extensive research and analysis, and was mailed to my Credit Card Company on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a form letter form my Credit Card Company dated XXXX/XXXX/XXXX reporting non-receipt of my response to their XXXX/XXXX/XXXX letter and informing me that the investigation is complete since they did not receive a response and that my account had been rebilled for the disputed amount. On XXXX/XXXX/XXXX I mailed a letter to my Credit Card Company retransmitting the XXXX/XXXX/XXXX response and requesting the dispute be reopened. I then received a XXXX/XXXX/XXXX form letter from my Credit Card Company stating that they have " no further recourse in this matter and can not obtain credit on your behalf. Our investigation remains closed. '' Thus my dispute was closed and the disputed amount charged to my account 9 days after the date of the letter which gave me 20 days in which to respond - my response was mailed 14 days into the allowed response period, and my Credit Card Company denied having received my response 8 days after it was mailed and had not been found some 11 days later. It is a travesty that my Credit Card Company can not or will not timely evaluate information provided by their customer that is critical to my dispute. It is a breach of their responsibility to efficiently process disputes when they are unable or unwilling to timely receive and connect information to the relevant dispute and to process that information in the interest of justice. It is a violation of the dispute process to rebill the disputed amount and close the dispute before the date they request me to respond. The dispute provision is meaningless when the disputed amount is released to the merchant before the customer has adequate time to provide evidence of the validity of the dispute.

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 10/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio has consistently refused to remove incorrect information from my credit reports even though I have ask them several times. They have sent several " verification '' documents to my house but they are insufficient. This is time barred debt and the date of first delinquency is over 7 years. I have enclosed what they are reporting on my reports and also I have enclosed what they are sending me as " verification ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is in regards to an unauthorized transaction that occured on my Capital One Quicksilver card on XX/XX/2016 for {$440.00} under the merchant XXXX XXXX College. This charge was unauthorized and I absolutely do not know who made this charge. I informed Capital One the SAME DAY that this was an unauthorized charge on my account and a credit was placed. However, a few months later, I was rebilled for this amount again. I contacted Capital One 's Disputes department to inform them that this transaction for {$440.00} is 100 % unauthorized and under Capital One 's {$0.00} fraud liability, I was not liable to pay for this transaction. The representative refused to cooperate with me to remove this charge. I am now demanding that this charge of {$440.00} be removed from my account ASAP. I will most definitely not pay for a transaction that I did NOT approve of. Capital One 's {$0.00} fraud liability also guarantees that I am not liable for any fraudulent transactions. This {$440.00} is a fraudulent transaction and must be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Bank of American closed my business account with no warning and stole all my World Points dollars. I had done nothing wrong and this is not fair. If they will not reinstate the account, I would like the account reinstated if possible, and to at least have B of A cut me a check for the World Points they stole.

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 06/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I became XXXX while I was attending school. My federal student loans have been discharged because I fall under their classification of non veteran XXXX XXXX. Navient has denied my application for discharge due to XXXX. They said the only way I will fall into their description of XXXX XXXX is if I 'm deemed so by the VA, but I 'm not a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was a computer glitch with TransUnion. It caused the inquiries to be deleted.   TransUnion later added them back to my credit report without giving me any notic e five  days prior to re-adding them, that by law they have to. I contacted in good faith to ask them to the inquiries that they had illegally re-added. I spoke to  XXXX  on  XXXX / XXXX / XXXX  around  XXXX  and nothing could be done. As a resolution I want the inquiries to be deleted permanently from my report as a violation took place when they were illegally added.     These are the  XXXX  inquiries :   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 11/29/2015 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XXXX I filed a complaint with Suntrust Mortgage regarding our house in XXXX XXXX SD. In which i got a response and submitted the required documentation needed to foreclose the house. I had a lady email me and said thanks we will start the forclosure process this was in XXXX. We have been in contact with our case manager at Suntrust and nothing has been done. She did n't even have the documentation that I had submitted. This company has been anything but helpful. We get nonstop calls nobody knows what the other person is doing. Seems to be in complete disarray and we are the ones that are getting belittled by this company. Something needs to get done. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AD ASTRA RECOVERY I SENT THEM A DEBT VALIDATION LETTER AND THEY NEVER RESPONDED WITH DOCUMENTATION OF ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I make a payment on my Citi Double cash and It's doesn't give me credit for the payment. My balance is the same.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I ordered my 3 annual credit reports and it wouldnt let me retrieve any of them. I am a XXXX XXXX  an mother of XXXX children. My wallet had gotten stolen twice an I am on welfare.

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 12/15/2015 about Consumer Loan (Installment loan) with TMX Finance LLC (IL).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2014 I was in need to pay my rent, so I went to Titlemax and took out a title loan so I would n't be evicted from my apartment. I fell on hard times looking for employment and again it took me months to gain emplyment. I constantly made contact with Titlemax letting them know my situation and still my car was reposessd and sold at a auction. My feeling is this company prays and make no compromise to the individual who is making an effort to pay. I was n't given a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been attempting to work with Optimum Outcomes who is collecting on my medical debt. They wo n't provide written communication without me repeatedly calling and they will not allow me to make reasonable monthly payments on the debt. I am given different options each time I place a call and none of them make sense or are reasonable. One persons said that they would let me pay half of the debt owed as a settlement but when I called back I was told that I could only get 10 % off. Then when I attempted to make a payment arrangement of {$50.00} per month I was told that they could n't accept that and they would continue to report me to the credit agencies. I also asked to settle the debt for {$500.00}. They claimed that they would contact the original lender to review this but they never followed up with me so I called back and they said no. I asked for documentation and they said that they do n't provide documentation. I keep getting the run around and I need resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Account opening, closing, or management

Complaint: SYNCB/CARECR ACCOUNT NUMBERs : XXXX XX/XX/XXXX C/O XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/CARECR or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/CARECR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 11-04-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (NC).
Issue: Taking out the loan or lease

Complaint: I purchase on credit from Conn 's Credit Corp living room furniture with the original loan amount being {$3000.00}. Conn 's is reporting high credit limit of {$3900.00} with payments of {$120.00} a month when I am actually paying {$170.00} a month. The contract that we originally agreed to was for XXXX years ( 24 months XXXX not 31 months that Conn 's is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/XXXX I made a payment on my Target store credit card. I did n't realize that the payment was returned until I could n't log into my account one day and found out my account was showing delinquent. I called customer service and was told my online payment was returned unpaid by my bank. She explained that the XXXX in front of my account number were not showing up on my stored account info. I was charged an nsf fee as well as a late fee. This month I made my payment online and was very careful to enter all the numbers as shown on my checking account ( exactly as I do every other bill I pay ). Once again the payment was returned and I was charged an NSF fee. I pay all my bills this way and have never had an issue with any other company. I believe it is their system that is not recognizing the XXXX in the front of my account number. This time I contacted customer service right away ( I 'm not late yet ) and explained and asked if they will waive the fee and they told me no. This is not right and I think it has to be happening to other people. I think it is terrible that they are charging me for something that is clearly an issue on their end. As I stated, I have never had this issue with another company and I pay all my bills this way.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Southwestern Financial Services, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: they repossessed my car after one late payment. they switched companies without my knowledge. it was XXXX XXXX when i got my loan.it is currently first southwestern financial. i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about XXXX witch is incorrect it was only around XXXX they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.

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 03-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Real Time Resolutions, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I received a XXXX XXXX for {$160000.00} from Real Time Resolutions , Inc. ( " RTR '' ) for a foreclosure on a lot in XXXX XXXX Florida I purchased in XXXX. XXXX XXXX XXXX held the interest-only mortgage at the time of the foreclosure in XXXX at which time they issued a XXXX stating the principal balance was {$230000.00} and the XXXX of the property was {$34000.00}. At the time of the purchase XXXXs own appraiser appraised the property for {$250000.00} and lent me and a partner {$230000.00} ( 95 % ). They then transferred the loan to a XXXX XXXX XXXX spin-off XXXX who sold the loan to RTR who is now sending me a XXXX. They did not send one to my 50 % partner who signed the mortgage docs and sent me a XXXX for the total amount. I contend that XXXX was my lender and they should send me the XXXX which should be for no more than half the amount due. Also, I contend the amount is too great. XXXX predatory lending practices lead to the overpaying for this lot which they contend was worth just $ XXXX a the time of the foreclosure ( three years later ). This reporting was handled completely wrong by RTR. I wrote to them in XXXX and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX i wires {$9000.00} to coinbase/XXXX and as of today XX/XX/XXXX i have not received my deposit in my account. My bank confirmed the transaction was completed onXX/XX/XXXX. 
Tracking XXXX XXXX Sent to : Coinbase, Inc XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX I emailed XXXX support on XX/XX/XXXX and got a response that they were will get back to me. Then on XX/XX/XXXX i called support and were told that they will eacalate the issue. Then XX/XX/XXXX i called again and was told there was nothing they can do for me and i will just need to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I was notified by Nationstar Mortgage via first class mail my XX/XX/XXXX payment was past due and they were requesting payment. My monthly payment is auto debited and was reflected as paid on XX/XX/XXXX on my XX/XX/XXXXmortgage statement. This is the second time I 've been notified my mortgage payment is past due in the last 4 months, the first past due notification came from XXXX the previous lienholder. XXXX notified me in mid-XX/XX/XXXX their monthly Mortgage Account Statement reflected an incorrect total amount due and assured me via that letter no missed payment history or negative credit reporting was done. I 'm concerned as Nationstar has reflected non-payment, indicated there may be late fees assessed and possibly reported this loan as past due to credit agencies. To date I 've not received any communication from Nationstar regarding this obvious error and what steps are being taken to ensure customers are not negatively impacted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Central Financial Control has reported and continues to report information to the Credit agencies that they know is inaccurate and false information. I have contact them several times in writing as well as numerous phone call over the past year. I have sent then CERTIFIED MAILINGS with copies of the CANCELLED check as PAYMENT IN FULL as well as bank copies of the processed check as payment. ( Please see attached uploaded documents ) There are RUINING MY CREDIT RATING!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I bought the car in XX/XX/XXXX, at that time I was employed as a XXXX making $ XXXX/yr. I lost that job inXX/XX/XXXX and was out of work for about 6 months. I asked Nissan several times to possibly lower my payment to accommodate my reduced income. They refused. They suggested a refinance, even while seeing how I 'd started to call behind in my payments. The next job I took on ( out of desperation ) started with a base pay of $ XXXX/year. Still, no help from Nissan. They deferred ONE payment a few times, even though agents have made comments on various calls as if a TWO payment deferment could have ever been an option. <P/>I called NMAC onXX/XX/XXXX, spoke to XXXX. She confirmed the car was out for repo and the # of days/payments owed. She confirmed that I needed a minimum of {$580.00} for XX/XX/XXXX payment to put a hold of the repo. I asked her a few times if this one payment would hold the repo action, and she confirmed. She suggested to call back with a payment confirmation # before XXXX, so that they can guarantee contact with the repo vendor. After XXXX, they could no longer guarantee. I made arrangements to get the {$580.00} and paid it. I called back and spoke with XXXX ( or XXXX? ). She confirmed the same info, took my confirmation #, and left me on hold for apprx 6-7 minutes while she " documented this '' to the account. XXXX ( or XXXX ) confirmed that she 'd noted my account and put the hold through on the repo. We confirmed my next payment arrangement forXX/XX/XXXX payday forXX/XX/XXXX payment. <P/>The morning ofXX/XX/XXXX, I was late for work because I did n't realize that Nissan came and got the car anyway. I called NMACXX/XX/XXXX apprx XXXX, and spoke with a supervisor in collections named XXXX . He said I needed to speak to Reinstatements, who would n't be in for another hour. XXXX confirmed that XXXX was correct in everything that she told me, however XXXX made it seem that neither collector should have provided assurance that the payment arrangement would suffice. I still have no clue as to where my vehicle is, why they did n't honor the hold, etc. <P/>My complaint is that NMAC is ok with collectors using deceptive practices, answering direct questions from me as a consumer, with deliberate inaccurate information. They lied to get me to make a payment, knowing that they would still allow the vendor to repossess the car anyway.

Company response to consumer: Closed with explanation