milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (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 sent in several letters of dispute for items on my credit report that are inaccurate. XXXX and XXXX are both showing several accounts showing open by Dept of Education and Navient for the same accounts. They also have some of these same accounts showing closed. It 's all a big mess and I am not getting any help in getting them corrected. The accounts show the same date and account number with two different loan comapnies. I have requested many times to have the loans validated and the balance and payment history to show correctly. They only respond back to me that the information was verified. I have requested proof of each loan and the balance. I have sent letters to Navient and the Dept of Education. I even sent letters to the CEO. These duplicate accounts and incorrect balances are causing harm to my credit worthiness to potential credit providers. At this point I feel that I have no other choice than to consider taking legal actions against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Rewards

Complaint: Barclays Bank on the XXXX XXXX Credit Card offered XXXX bonus points if I spend {$500.00} in EACH MONTH. XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. 
However they claim I did not meet the qualifications because I did not spend enough money until my statement was closed ( XX/XX/XXXX ). 
The bank would have given me the points if I had spent at least {$500.00} in EACH STATEMENT however that 's not what they have advertised. 
They have advertised EACH MONTH. 

EACH MONTH is not equal EACH STATEMENT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Payday loan () with BlueChip Financial (IN).
Issue: Charged fees or interest I didn't expect

Complaint: I took out this internet loan, {$300.00} and have been making installment payments every two weeks. I did not know that they were not licensed in Indiana that that their percentage rates were unallowed. As of this date I have paid back approx {$600.00} - their percentage is 761.09 % which is well above the percentage rate allowed. I believe that I do not owe these people any more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with SUNTRUST BANKS, INC. (FL).
Issue: Getting the loan

Complaint: This got to be discrimination, is it because our age iam XXXX and my husband XXXX we apply for government loan through SunTrust bank and we are client of SunTrust bank. we have a personal line of credit with SunTrust bank. and my husband had a credit with SunTrust bank never missed an of our payment in the past. some time on or about XXXX XXXX and the vice president at that bank her name was XXXX XXXX gave us the same for XXXX we pay that loan off in XXXX and the loan was unsecured. so I met with her Friday about the same loan the government that you can not be true down if you home XXXX and she said XXXX XXXX you can go on line they will put the money right in your account this is the second tine that Light stream which is a part of SunTrust have Denial, I just told the vice president that we was going to mover our mortgages over to sun trust bank our house hold debt is with the mortgager XXXX an our appraise at XXXX equity XXXX no car payment of truck payment we got about XXXX XXXX XXXX XXXX and we use the credit card my husband business our credit score go up and down. but the loan before was not base on a credit it was a term loan of 48 month

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 05-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: I recently applied for a secured credit card from Capital One. On XXXX XXXX, 2015, I received written notice my application was accepted and I needed to forward a refundable security deposit. I made an online transfer from my bank for {$500.00}. Capital One received payment on XXXX XXXX, 2015. Approximately two weeks later I received my card. Today, XXXX XXXX, 2015, I attempted to sign up for online banking with Capital One and, after completing the application, was told my card was restricted. I did a bank chat and was told to call XXXX. I called the number and it was the fraud department. I was told the company determined I was not the one who opened the account ( I definitely did! ) and that my application was fraudulent. When I pressed for details, asked why they took the {$500.00} from my account and how they determined the fraudulent status without contacting me, I was told they did n't have that information. When I, again, questioned the withdrawal of {$500.00} from my account, I was told " if you really want to get it back you need to call from your bank and have your identity proven by a bank representative. '' The phone representative was equally evasive when I asked why I had not been contacted by the bank and why the company would have send me a card if the application was deemed fraudulent. Still, no reasonable response. I was told that I could reapply if I wanted to. Needless to say, I want no further dealings with Capital One but I DO WANT MY {$500.00} DEPOSIT BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I live in Georgia and understand I am entitled to XXXX free reports from each credit reporting agency per year but have only requested XXXX from each agency this year. I tried requesting my free credit report from Equifax online at XXXX on XXXX/XXXX/15 and apparently answered some random questions about past accounts incorrectly and so then went through the process by phone by calling XXXX. At the end of the process the recording said I would receive my report within 15 days. That has not occurred. Last year I experienced the same issue and called Equifax. The person I spoke with at that time said there was no way he could check on the status of my report ; I had to do it thru the XXXX website. 
I did not find a way to check Equifax order status on that website or by phone. I still have not received my free credit report and have no way of knowing whether it was mailed or processed to begin with. That is a security issue since my report contains personal information. I have seen numerous other complaints about Equifax on your website about the same issue. My problem is a repeat of what happened last year. In the past I have NOT had similar problems with both XXXX and XXXX. 
Thank you for investigating this issue and facilitating my credit report being mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have checked my credit report and XXXX states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed XXXX  of the issue but they do not address the issue that the same accounts were posted twice on the credit report.

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 11-03-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AE).
Issue: Other service issues

Complaint: I would like to report PayPal.com for unscrupulous business practices. In XX/XX/XXXX, I used my PayPal account to pay an individual for a musical transcription service. As I was finalizing the transaction, a confirmation window popped up. As in the electronic age, these windows routinely pop up to confirm a transaction, I clicked " OK '' without reading the full length of the text. As it turned out, it was a window asking me if I wanted to open a PayPal line of credit. I was upset when I realized what had happened, and found out today when checking my credit report that the situation is even worse than I thought : with this simple click of a button, PayPal performed a hard credit inquiry ( using the personal information I had to provide when I first set up the account long ago ). This confirmation window strategy was clearly designed to prey on consumers, and it works. Now the hard inquiry has brought down my credit score. I hope you will pursue this to ensure that PayPal desists from this sort of borderline scam activity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving several calls from this number for several months. The calls are random and have to consistency. They sent me a letter in XXXX with an account number and their phone number. They claim to be a debt collection agency through XXXX XXXX. They called me today, XXXX XX/XX/2018 asking for payment of the debt. I told them I'm disputing the claim and they are to contact XXXX about the debt. I told them they sounded fraudulent and they said I can call XXXX myself and talk about the authenticity. I did such, and they are not associated with that phone number. I did have a debt with them, which I paid through XXXX personally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: During a period of extreme financial hardship, I fell behind on my Barclay Card ( LL Bean Visa ) but called and was told that I could " re-age '' the debt by making 3 monthly payments starting XXXX XXXX, 2015. I was unsure if I would be able to until the day before. Unfortunately XX/XX/XXXX was a Sunday. Though their website says customer service is available XXXX, if you 're in collections once you enter your personal info your call is automatically rerouted to collections and no one is available on weekends. I made the payment in good faith on their website and contacted them by email regarding the situation. I called the next day and explained to the service rep what had happened, explaining that the original rep should have noticed that the due date was a Sunday and given me an alternate date, and he assured me that the payment would be honored towards the " re-age. '' But it was not. Shortly thereafter I received a debt collection notice. I called and was told it was too late to re-age but they would wave the late fees if I could catch up with XXXX payments by XXXX XXXX. It was difficult but I managed to make the payments, with the final XXXX being on XXXX XXXX, 2015, on the phone with a customer rep. She assured me my account was now back in good standing. However, when I checked my account on their website a few days later I found that I was charged a late fee on that payment. I called again and got the fee removed, but 2-1/2 weeks later their website shows that not only do I still owe the late fee, but also the original overdue amount. To top it off, this XXXX ( XXXX XXXX ) we got a collections call. I called my same service rep and told her what was going on. The issues did not appear on her computer, but he swore she would personally contact both collections and IT. However, I just got another collections call. I cleaned up my act and I think it 's only fair they they do likewise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened up an account with XXXX XXXX cell service for service for my son and myself. I had the account for approximately 2 months when I got a phone call from the company stating that they had lost their roaming partners in the area I was working in. The company restricted my phone service in that area and told me that they needed to cancel my contract and that I needed to turn my phones back in. I followed these instructions, turning phones in to the store in XXXX, XXXX. Now the company is saying that I owe them XXXX for services and equipment which is false, they made harassing phone calls and false accusations and then placed this false record on my credit report. I am not sure how to fix this problem but it is an unfair practice since they cancelled my account I should not be held liable for any contractual fees. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Numerous attempts to send documents to the company. They lose the documents each time and say to send them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed several medical accounts with Experian and received a message stating per the FCRA 611 ( a ) ( 3 ) ( A ) they will not process my dispute XXXX. However, I have filed a complaint with XXXX Enforcement process for each of these creditors and, I have proof of insurance that I can not add to the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been the victim of on going ID theft and have several fraud accounts and info reporting on my Transunion credit report. I please ask that this info be removed and are blocked ASAP. Thank you 1.XXXX XXXX XXXX, XXXX 2.XXXX XXXX XXXX, XXXX 3.XXXX XXXX XXXX, XXXX 4. XXXX XXXX 5.XXXX XXXX XXXX, XXXX 6.XXXX XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX, XXXX 8.XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX, XXXX 10.XXXX XXXX 11. XXXX XXXX XXXX, XXXX 12.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 non-monetary relief
Consumer complaint received 12-04-2017 about Credit card or prepaid card (General-purpose prepaid card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Unexpected or other fees

Complaint: I have a Bank of America Visa Platinum Plus card. I called and told them my son was in the hospital and I forgot to make my payment, I was one day late and turned my interest rate into 29.99 % I told them the circumstances and they will not make an exception I am single struggling mother and my son was sick. I have not been late one time ever. My promotional balance is over in XXXX XXXX 2018 and will be 21.99 %

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Wrong amount charged or received

Complaint: Two huge issues that have been outstanding for 18+ days.

1 ) I purchased in the few minute window XXXX was live after initial launch and the price shown was invalid. My order for XXXX went through at XXXX and coinbase app charts are showing this never hit that. It was at XXXX for day which was also not true. As per your terms of service this transaction should be invalidated within 10 business days of reporting it - been longer than that. Please help! I spent hours on the phone and email is unresponsive. They canceled and cleared the order books of tons of orders but for some reason mine did not make the cut. Not sure how that is legal.. if they were to call off the launch - everyone 's orders should have been cleared - not just some. 

Case Number : http : //support.coinbase.comXXXX - no relevant response. They forwarded me money about a fork - which this had nothing to do with and I have n't heard back since. 

2 ) I sold .5 ETH 18 days ago at XXXX and it was never credited to my USD wallet. It just vanished into thin air. CoinBase, please invalidate the transaction since it didnt go through properly. No response since i logged this on XX/XX/17. 

Case : XXXX - no response whatsoever. 

-- - General Experience : Two hours on the phone the first time around and they said they could n't help me - need to email and wait. I did and I just learned after spending another two hours on the phone that I was waiting in the wrong department / queue - and needed to call a separate number. Apparently posting to the cases asking for updates also puts me further away from a response and resolution. 

This is outrageous - it 's theft & a scam. I 'm loosing money by having it tied up in invalid transactions and transactions that never went through. 

Any help would be appreciated. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with Certified Credit & Collection Bureau (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My son XXXX was treated for XXXX at XXXX Hospital on XXXX/XXXX/13. At the time I was unemployed and had no insurance. One of the nurses suggested we apply for XXXX because I was unemployed. 

We submitted all requested documentation to the XXXX vendor the hospital used and were told by one of their representatives that our application had been approved. 

Two years later, XX/XX/2013, we received a notice of Lawsuit from the law firm of XXXX, XXXX, XXXX on behalf of XXXX Hospital for {$1000.00}. The full amount of my son 's treatment. 

I contacted the hospital and I was told that my XXXX XXXX Application had been lost. That they had been using an outside vendor and the hospital was forced to terminate their contract due to many errors. I asked if they would honor my original application and they declined. 

As a compromise, I offered to pay {$600.00} to settle the account and the person I spoke to agreed to my offer and I made a payment of {$600.00} via debit card. I later checked with the law firm and with the court and they confirmed that the lawsuit had note been pursued. 

There was no further collection activity of any kind for another 3 years until I received a collection letter from Certified Credit & Collections Bureau on behalf of XXXX for {$490.00} which is the balance I would owe from the original bill. 

I have done everything possible to honor the debt as best as I could. The hospital has carelessly and recklessly perpetuated the collection of this debt for almost 6 years. This has been a very frustrating experience for me and my family at a time when we are under financial stress. 

I believe this account to settled and it is unfair that the hospital is engaging in these predatory practices. We believe that the debt in question has been satisfied and we should be considered settled.

Company response to consumer: Closed
Consumer complaint received 11-04-2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Making/receiving payments, sending money

Complaint: My soon to be ex-husband about XXXX or XX/XX/XXXX not exactly sure exactly. It was right before his incarceration XXXX for defrauding the government of federal funds. He confessed that he was afraid of getting in more trouble for he had been withdrawing his deceased mothers Social Security benefits direct deposits into her Bank Of America account, and withdraw the money from our joint bank account or transfered the money to cover the stolen social Security benifits also Bank of America. Date of XXXX : XXXX to XXXX XXXX. Bank location XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. About XXXX through her ATM card. In the equalization of marital assets he has failed to comply with court on mandatory disclosure ive exhausted all ky marital assets in persuit of my half to pay back social security. I would so grateful to Consumer Finance in investigating this matter. I tried several times to get proof and to no avail. I first called Office of Attorney General, Federal Trade Commission got police reports from both XXXX and XXXX police and absolutely nothing. I just called XXXX last week again and was able to extract some useful information and was given your website and also your phone number. I really feel confident now that I am at least getting closer to a resolution. Thank you for your time. 
would need a subpoena to open and get statements to substantiate my claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Hello, in XXXX last year I needed a credit score for renting purposes. I went to Experian web site, it said I needed to pay {$1.00} and I 'll be all set. Apparently I failed to read fine print, because there is a clause somewhere that unless you cancel your account within some " trial period '' you are automatically assumed to be a " member ''. They have been charging me $ XXXX $ XXXX monthly, in a way of automatic deductions from my debit card - ( information that they only had because I gave it to them to run my credit report! ) ever since. For services I did n't need, want, or have ever used. I consider this an abominable business practice. Shame on me for not reading the fine print, and I am sure they have a fleet of lawyers to make sure they get away with this, but I consider it outrageous that these companies are allowed to " assume '' that you are committing to something without explicit consent. That I know of, I never ticked any box saying " I agree to pay $ XXXX {$25.00} a month for all eternity, if I do n't cancel my account ''. It was not even entirely clear I created XXXX. I thought the site was asking all the information in order to process a single transaction, that of {$1.00} worth credit score. Is there ANYTHING that can be done? I feel like they prey on people and need to be stopped.

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