milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XXXX/XXXX/2018 I accidently sent {$610.00} from a Bitcoin cash wallet on Coinbase to a Bitcoin Wallet XXXX ) on XXXX. Here is the XXXX. I have tried reaching out to COinbase and XXXX for the last 4-5 days requesting that the funds be credited to the proper account. I have received no response from XXXX or Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with IMC Capital, LLC (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a business owner, and I received a very authentic looking credit card from " XXXX '' naming myself and my business. The card itself looks real, and the sheet it is attached to -- with sections like " Available Credit, '' " Activity Since Last Statement, '' " Here is your new XXXX Premium Platinum Card '' and small, again authentic-looking print promising " No activation or annual fees '' and " Enjoy 0.0 % or no payments for 90 days '' -- also looks credible. 

But when you look closer, you see some curious things like an enormous credit limit of $ XXXX and being valid only through XXXX ( just weeks after I received it ). Most insidiously, the card provides a number to " CALL NOW TO ACTIVATE. '' That number is XXXX. A website is also provided for activation : www.notablecapital.com. I did n't go there, but I do see it ranked third on XXXX after two links describing the whole operation as a scam. 

At best, this card will frighten many into thinking that their identities have been stolen. At worst, it is an attempt to defraud people.

Company response to consumer: Untimely response
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please See Police Report Attached the person was CAUGHT AND CONVICTED

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with citibank on XXXX XXXX stating that if I deposit $ XXXX I will receive a {$300.00} bonus. It is now XXXX XXXX and I still have n't received it. I have submitted inquiries twice and called to get this cleared up and both times they have denied me and said they either do not have the bonus code on file or that I did n't meet the terms of the bonus. Their explanations have been inconsistent. I have been given XXXX completely different reasons for my denial an each referenced a different bonus program which tells me that they are not being consistent and they are being fraudulent. 

I am writing you because I have been made aware that Citibank has a history of doing this to customers and they need to be held accountable. I have no reason to just park $ XXXX in an account for them for 4 months. It seems to me that they do this with the hopes of having a free $ XXXX to use as essential an interest free loan for them since they did n't hold up their end of the bargain and apply the {$300.00} bonus. It irks me to no end that I have been given the run around by them for over a month now and I will be canceling my account with them and ensuring others do 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 11/19/2015 about Debt collection (I do not know) with ZWICKER & ASSOCIATES (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Zwicker & Associates ( XXXX ) has called me XXXX, telling me that I have outstanding XXXX XXXX credit card debt. This is NOT my debt. I shared basic info about myself ( address, last XXXX of social ) and they confirmed it is not my debt. But they continue to call. I am worried they will use my information to do more damage to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My home mortgage bank dose not report every payment I made to my home loan. 
I have payed 7 months on time and they have only reported 3 payments and that is effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I went online today to XXXX to check my credit report at Experian 's website. I was enrolled for their credit monitoring service for {$19.00} per month although I did n't want to. I 've always watched carefully so that this does n't happen. They clearly have the website designed to mislead people into signing up without their knowledge. Enrolling in these services should not be automatic because I forgot or did n't see some box at that bottom of the screen to uncheck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with ResidentCollect, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is sending me documentation that is completely made up with no signatures. The document was clearly made up After my move out date with no signatures. The document that was signed by me in the move in date was disregarded since it had so many complaints in it and the new forged document with no signatures and with amounts that are clearly changed over and over being crossed out. Also date being crossed out over and over again. This company is committing fraud by forging documents with no signatures on them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with AFNI INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I wrote and mailed a dispute letter to XXXX and XXXX in XXXX 2017, pertaining to a collection account that had been placed on my credit report from the collection company AFNI, INC. XXXX and XXXX  responded with a copy of my credit report stating that the account in question was verified by the creditor. AFNI, INC did not provide any documents or evidence to verify the account, but instead lowered the debt to {$110.00}. I sent another dispute letter to XXXX and XXXX in late XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt AFNI, INC reported the debt again for the previous amount of {$1100.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX  and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Avadyne Health Holdings, Inc (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit is being attacked be cause of some bill from XXXX XXXX. 
My husband is covered by the VA. They pay all his bills. 
My credit is being attacked because of this delay. After explaining this several times, HR collections continues to put it on my credit report ( as my services ). They should be talking to XXXX XXXX and or Veterans Administrations. Not be wasting time trying to get me to pay someone else 's bill. I should not be being punished.??? HELP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I got a loan from XXXX XXXX about 12 yrs ago to attend XXXX college, XXXX, Tx for {$15000.00} with a " variable '' interest rate that always stayed around 14.5-15 %. I did not have to make payments while in school but they fail to tell you that they 're charging you interest. Because of not being able to make payment from not having a job my loan reached nearly {$25000.00}. Once I did get a job and started making payments they do not tell you that the monthly payment that they set is a " minimum '' payment which was n't even close the covering the interest of the loan much less any principal ( never gon na pay it off if continued paying minimum paymeny ) One I realized that was happening I started paying extra but was not seeing a drop in my principal amount it was all going to interest. Currently I am paying anywhere from $ XXXX/mon and have started seeing my principle go down but instead of that extra money going to principal they just push the due date for my next payment out further and further the more I pay. I currently still owe appx {$18000.00} and an interest rate that has been 9.25 % for several years that has been raised to 9.75 % without my knowledge. Just noticed the interest rate change XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Student loan (Private student loan) with NELNET, INC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: What I believe happened, is that University of XXXX charged me too much each quarter and semester. As well as their highly paid professors to teach us students online. The University of XXXX at first had me in another program or was going to change me program to reduce my balance. But that did not happen. So I stay in the program that I enrolled in. I did not go to this college to be a doctor or lawyer. But the debt balance should not be this outrageous highly. I am not working in that field because most employers are hiring for younger people. I have refinance and consolidate this high balance of {$110000.00} debt. This is a house payment or mortgage. Which I have neither at this time. This debt continue to appear on all of my credit report and there is no way to hide it on my report. It is too much. I can not get any loan to help me or give me a leg up or a hand up. There is no hope for me in this situation. I am not able to pay this debt off. The previous college that I went to did not cost me this amount of money. There haves to be a way to have this debt reduce down to {$30000.00} NOT up to {$200000.00} or a XXXX dollars in debt. Some of these loan servers and providers have placed me as a victim so I could finish my education on time. When I finish graduating from University of XXXX they said my debt was not that high. I believe the financial department and their admission office and other financial services at University XXXX XXXX had too many students with too many debt and it got mixed up with my debt. I want my debt reduce to a point that I can pay back. Or remove this debt period. It should not be this high. I do n't believe that this debt should be this high. Each private loan provider and federal aid provider itemized the debt and raised the debt with principle and interest rates that most American and students attending college could not pay back in a timely manner. It would take years to pay off this debt. This college charge me way too much. It should not have been that much. I was only there for less than 2 years. What the XXXX did University of XXXX Arizona do to me. I am not working fulltime but only part time and it is not even worth it. Please look into this matter and investigate what happen. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I obtained, after XXXX years of applying to SunTrust, a modification this summer. I contacted my single point of contact in XXXX multiple times to note that I had an unforeseen circumstance in the business and needed a waiver of the trial period. I made XXXX of XXXX payments timely. I did not hear back from SunTrust on any calls or request to speak. It seems to me that the simple and efficient way to workout the temporary setback is to waive the trial period and/or reinstate the loan as modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Trouble during payment process

Complaint: I am a probate attorney, and I represent a widow whose husband died in  XXXX  of  XXXX . The widow received the decedent 's house as heir, and the house is now in her name. The house has a mortgage on it.     We have been trying to arrange for the lender, Chase Bank, to issue a form  XXXX  so that the widow, as owner of the house, can deduct the mortgage interest on her income tax returns. Chase Bank refuses to issue the Form  XXXX  to the IRS, which will cost the widow because she will not be able to deduct the interest payments. Chase Bank is trying to force the widow to refinance or assume the mortgage, both of which will cost fees she can not afford, and I do not think she will qualify for a new mortgage.     I have a letter dated  XXXX   XXXX ,  XXXX  which falsely quotes nonexistent IRS law defining a " qualified mortgage '' to exclude mortgages incurred by the decedent on a house inherited and owned by the widowed spouse. I checked the statute and the  Internal Revenue Code d oes NOT have any such restriction or definition! I have never encountered this treatment by any bank. Other banks are willing to change the Social Securit y Number t o the heir 's so the heir who gets a house can deduct the interest payments.     This is clearly a violation of the spirit of  XXXX   XXXX   XXXX   XXXX  which prohibits foreclosure on inherited houses as long as the heir continues to make the mortgage payments. Please let Chase Bank know their action is illegal and harmful to consumers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my mortgage to Nationstar. With XXXX, I made bi-monthly payments, without issue. They came out the XXXX and XXXX of the month, barring holidays or weekends, which they allowed to come out a day or XXXX late. 
Now that my mortgage is with Nationstar, they send me foreclosure letters constantly, even rhough I never have been late. They state if I want the letters to stop, I need to call their XXXX party company to make bi-monthly payments ( this XXXX party company charges 300+dollars for this service ) or set up autopay. Thing is, I already autopay through XXXX bill pay TO Nationstar on the XXXX and XXXX. Why would I setup another autopay? I am XXXX XXXX XXXX and can not access the internet or telephone while XXXX, so why set up XXXX party phone pay? Also, they stated if I do not pay in full when they want, my money goes into a reserve account until it is fully paid and may not be applied properly to escrow, interest, and principle. 
From my understanding, the original terms of a sold mortgage MAY NOT BE MODIFIED, including disbursement of the payment, how the payment is made ( bi-monthly or not ), or how much payment is made, barring a raise in escrow to cover raise in insurance/propery tax. 
So, please enlighten me ... why are you trying to change the terms of my loan? Why did you buy my loan if you can not accept bi-monthly payments? How hard is it to apply payments properly? These problems are on YOU, not me, and I REFUSE to accept responsibilty for these issues. I had no say in my loan being sold, and I am not to be blamed that YOU can not accept bi-monthly payments because you are a new company ... you are n't. You are post-bankrupt under new management. I amonly with you as long as it takes to finish my current XXXX and then I will refi with a companythat is non profit and knows what they are doing. It is my responsibility to make sure you apply payments properly and to notify you if there is an error, something yhat will be next to impossible to do, since I am put on hold for XXXX min. each tkme I call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Bank account or service (Checking account) with U.S. BANCORP (NY).
Issue: Problems caused by my funds being low

Complaint: The issue began in XXXX. I have a gym membership that I have tried to cancel but they still debit my bank account. I was working with them directly to get this stopped and did n't involve the bank or I would have incurred more fees. The bank account went negative due to the debit. The NEXT day my direct deposit put in {$50.00} to my account. Hours later, I incurred an overdraft fee. I emailed them asking for waiver of fee but to no avail. I told them to put a stop on all attempts to debit anything when I have a negative balance ( as I told them I did n't want overdraft protection anyway ). They finally did this. I was having a hard time depositing money into my account as this bank is not located near me and I would have had to mail in a money order. I continued having {$50.00} direct deposited from my paycheck biweekly. Still incurring overdraft fees once every week for {$25.00}! Finally on XXXX XXXX, I was able to figure out how to set up my prepaid account with XXXX XXXX ( I use this more frequently ) to transfer and deposit funds to USBank. I sent {$110.00} which brought it out of the negative status. Then the gym tried to debit yet again and even though US bank reversed it ( due to not enough funds to cover it ) they charged me a fee for it. That 's fine. I knew how I can get the money in there when I got paid. Then I tried to log into Mobile Banking around XXXX/XXXX/15 ( less than two weeks after the last deposit ) and now my account is closed. I am now unable to see my account information on their website. When I click to view my past statements and letters, they are not viewable. Sent an email to them and received no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Suntrust Auto Dealer on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, I did not get any help from them.

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 04-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am writing to express my frustration with the credit reporting practices of Fedloan Servicing. After I reapplied for an income-based repayment plan my payment increased significantly. I did not have the means to make the new payment. As I was trying to figure out my options for repayment Fedloan Servicing reported my account as delinquent. I was never contacted by Fedloan Servicing about my delinquent account. 
To my dismay, I discovered that my credit score dropped over XXXX points because of a negative report from Fedloan Servicing. I went from a credit score that was in the high XXXX to a credit score that was is in the low XXXX. I inquired with a credit bureau about why my credit score was so low. I was unaware that my federal loans were never consolidated when I transfer by loans from a XXXX XXXX back to the federal government. As I understood it my loans were consolidated under XXXX XXXX, but when I transferred them to the federal government they were somehow unconsolidated. According to Fedloan Servicing, I have XXXX outstanding federal loans. Fedloan Servicing reported a late payment for each loan. I now have XXXX negative reports! I no longer qualify for any type of credit! I was planning on buying a home this year but my dreams are dashed by this simple mistake! I am not sure how long I have to wait until I am creditworthy in the eyes of a mortgage lender. Despite buying a home I can no long obtain a fair deal on any credit. As I understand the negative report will stay on my credit report for seven years! 
I believe this an unfair practice. Most if not all consumers paying back their student loans to one servicer for student loans owned by one entity i.e., the federal government would think that their single payment to a servicer constitutes payment for the outstanding balance of the loans borrowed while in school. I believe most do not understand that the loans may be treated separately and that a late payment could result in the servicer reporting a late payment for each individual loan. Servicers of student loans should disclose that a negative report will be submitted for every outstanding loan if you are late on a payment. I was stunned that my loans were not considered to be consolidated although they are owned by the same entity. Fedloan Servicing and other student loan servicers should disclose to consumers when their loans are n't consolidated even if the loans are owned and or serviced by one entity and, as a result, a negative report to a credit bureau will show a negative report for every individual loan. This has indelibly affected my ability to obtain reasonable credit offers for several years!

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle loan) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Managing the loan or lease

Complaint: Purchased a motorcycle in 2007 which was financed by HSBC Bank Nevada NA. Got behind and loan was turned over to XXXX XXXX XXXX for collection. Paid off debt but unable to get a lien release. HSBC Bank has the lien on title but sold this lending division to XXXX. Have contacted HSBC and XXXX numerous times trying to get a lien release and no one will send me one.

Company response to consumer: Closed with explanation