milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: Coinbase has {$4500.00} of my money more than a month after they said they returned it. On XX/XX/XXXX I wire transferred {$4500.00} from my bank to my XXXX account at Coinbase, who said on XX/XX/XXXX the wire was rejected and would be returned because of a name mismatch. I hadn't received the money by XX/XX/XXXX so I filed a complaint with the CFPB. On XX/XX/XXXX, exactly 15 days later, Coinbase told CFPB that the money was returned on XX/XX/XXXX and that the case was resolved. Further, Coinbase told me and the CFPB that I should ask my bank where the money was and they provided a FED reference number. My bank could not find the money and said that I should ask Coinbase to trace it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I borrowed money starting 15 or more years ago to attend the XXXX College of XXXX XXXX and transferred to XXXX College to pursue a XXXX XXXX. I became unemployed in XX/XX/XXXX resumed the effort to finish my XXXX XXXX and that is when I borrowed the funds to finish the degree. I was XXXX years old and unemployed and felt this was my best opportunity to keep myself employed and able to pay my bills. I graduated in XX/XX/XXXX but remained working temporary jobs and or permanent jobs as an XXXX XXXX and also experienced layoffs and down sizing making it very difficult to pay the student loan bills. I was offered deferments and forbearances that only increased the loan debt to an incredibly high loan amount that I find impossible to pay. I was never offered an affordable payment until the loan balance more than tripled and now Navient is saying I have to pay 10 % of my earnings. At age XXXX this has caused a financial burden, reputational harm and much stress and XXXX of how this is going to affect the rest of my life. I in good faith went to school with the promise and chance for a better opportunities for employment and not rely on state aid. I was never offered an income based payment option and have attached my social security wages from my entire working history to show I really have not had sufficient income to pay these loans. I still live paycheck to paycheck and will never get this debt paid in my lifetime. I believe this to be predatory lending, unfair lending practice and this loan structure has caused intentional harm to my livelihood and any future financial security. I need assistance in having this loan reduced to the original loan amount and credit for the years I have tried to pay this off. This financial burden has been nothing but a nightmare. I went to school part time for over 13 years while working full time part time and many times two jobs and keeping up with class work. The financial aid at the school processed all the paperwork with the FAFSA form and each year even the bill for the minimum of six credits was several thousand dollars. I need assistance with this as I am overwhelmed with high payments and financial consequences for the rest of my life. I have attached what I paid last year which is about {$2000.00} and yet these loans are not in good standing and adversely affect my credit score once again. All of my credit is in good standing except this and I need assistance in getting this loan amount to one that is within the original amount and therefore affordable. I need help as these are not affordable on my week to week paycheck. Please provide me with some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Fraud or scam

Complaint: A company called  XXXX   XXXX   XXXX   XXXX  contacted me and told me they are going to give me a scholarship of  XXXX  . However, it was a scam and they took my money abou t 18000  . They also asked me to purchase   XXXX  gift card and also  XXXX  voucher. It was a scam and I lo st about  20'000  .   Their numbers are :

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (I do not know) with AFNI INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried to work through XXXX and XXXX to remove an invalid debt for over 4 months, and have been rejected through the re-investigation process. The company, AFNI INC, is a well-known predatory debt collection " company '' that creates false debts, sends them to credit reporting agencies, and makes dozens of harrasing calls each day to their " customers ''. The debt they have reported with XXXX XXXX XXXX for {$410.00} does not exist, as I have confirmed with XXXX XXXX XXXX that no such collection was filed. With the smallest amount of online research, I was able to find out that AFNI uses these false debt collection practices on thousands of Americans every year. It 's predatory bullying at it 's worst and the exact reason the CFPB exists. I have spent hours trying to get XXXX and XXXX to remove this FALSE collection from my reports, but they have not taken them time to research AFNI and see that they are a SCAM. I am now urging the CFPB to do whatever is necessary to remove this false debt from my credit reports. I have exhausted every remedy that was suggested to this point of working through the credit reporting agencies. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (I do not know) with MARINER FINANCE, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I keep getting harassed by a company called Sunbelt Credit ( XXXX ) for debt that I have absolutely NO affiliation with whatsoever. On numerous occasions, I have spoken with the Manager who states that he is removing my number ( XXXX XXXX # XXXX ) but never does as the calls persist. They have no right to continue to bombard me with an issue to which I have absolutely nothing to do with whatsoever!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: had requested experian to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 02/13/2017 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Billing disputes

Complaint: Applied for XXXX which Chase Bank confirmed to me I was eligible TWICE ( XX/XX/XXXX, XX/XX/XXXX ) before applying on XX/XX/XXXX. 

After making the {$50.00} charge I called Chase to ENSURE no problems! 

Buying XXXX allows XXXX and into XXXX and SAVES CHASE {$50.00}!!!!!!!! Chase is saved MONEY and NOW denies my a benefit that I had confirmed was ELIGIBLE!!!! 

Representative DENIED me coverage ... ... .UNETHICAL and UNPROFESSIONAL as CHASE he instructed me never documented my calls NOR was HE until I demanded my complaint be escalated to Chase Presidential Escalations. 

Chase representative REFUSED to cooperate on sending Presidential Escalation my complaint - Chase BULLIES customers!!! 

Representative REFUSED to forward a complaint to Chase Presidential escalation forcing an complaint to CFPB. 


Chase Saphire Reserve Direct Line customer service reps are incompetent about Saphire Rewards benefits and have NOW LIED to me with different feedback even though I had pre-checked! 


Dishonest, unprofessional and unethical treatment by CHASE Bank!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with OPTIMUM OUTCOMES, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I worked directly with XXXX XXXX in XXXX about four years ago and paid this debt over the phone. Optimum needs to contact XXXX XXXX  to VERIFY this debt was paid. I no longer even have the paperwork because XXXX acknowledged that the debt no longer existed. I contacted Optimum at least four times regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (KY).
Issue: Other transaction issues

Complaint: Western Union online money transfer : XXXX/XXXX/2016 - {$59.00} WESTERN UNION XXXX : CAPTURE ID : XXXX INDN : XXXX ID : XXXX WEB MTCN : XXXX Date available in receiver 's country : XXXX XXXX, 2016 Western Union took the money out of my XXXX XXXX XXXX account and held it for 7 days. Today is XXXX/XXXX/16 and they are still holding the funds without contacting me. I contacted them online and by email to request an immediate refund. They refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Innovis

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Disputed XXXX incorrect collection accounts, XXXX and XXXX, and requested the erroneous accounts be removed. Credit Bureau has not removed accounts.

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 08-09-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble during payment process

Complaint: Four years ago I requested Chase Bank NA to refinance my mortgage by reducing the interest rate. I was made to believe that my interest rate was reduced to 1.5 %. But last month I received a notice that my interest rate is going back to 5.5 %. I called Chase Bank, and was told that my mortgage was modified for 45 years. I almost XXXX of XXXX XXXX. My original mortgage is for 30 years and I have been in my house for 13 years. I then started to seek to refinance my mortgage through other Mortgage companies. I received confirmation that my mortgage was extended to 45 years. This is definitely criminal. ***I also received a notice from IRS for not including XXXX for {$10000.00} income from Chase Bank.As a result, I had to pay IRS {$1600.00}. I called Chase and was told that it was savings from modification of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my XXXX and Transunion credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that XXXX, and Transunion remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX Thank you in advance for any support you can provide.

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 11/13/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NM).
Issue: Problems when you are unable to pay

Complaint: I had a car payment with Credit Acceptance Corpration. I was never late for years until I got a job transfer to New Mexico. The Credit Acceptance Corpration did not help me they made me feel I was a dead beat consumer. They finaly repo the car because I didnt want it anymore because there poor customer service and i paid them over {$10000.00} in intrest and fees and I still owe {$8000.00} and the car is only worth {$4000.00} I feel this is unfair and want them to renegotate the terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX    XXXX   IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX    XXXX   SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX    XXXX   TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened a XXXX account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote XXXX a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired Portfolio Recovery to harass me relentlessly by calling. I made a mistake of writing a check to Portfolio Recovery ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 

This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Student loan (Private student loan) with Equitable Acceptance Corporation (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX, I signed up for student loan forgiveness with XXXX XXXX. I did not realise that Equitable Acceptance Corporation was not affiliated with XXXX. XXXX took all of my information, claiming to be a third party dealer to help consolidate my loans and accept small monthly payments down the road to help pay off my loans. This is a scam. According to my research, they take these monthly payments and do not apply them to your student debt. They withdrew an unauthorized transaction yesterday and on XXXX XXXX from my bank account. I receive emails stating this payment and a link to access a login. I have no username or password for this. I have been trying to get a hold of them to cancel my account with them. How convenient for them that my call on hold went to their voicemail. Do not accept any offers from this third party vender. They are very sneaky with this scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Payday loan) with Premier Portfolio Group (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2014, I received a PayDay loan from XXXX XXXX. I was unable to pay the loan off, since I have n't been working, due to a car accident. The loan was sold to premier Portfolio Group, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, www.premierportfoliogroup.com. They have called all my references and provided them with details of the loan and they have threatened me with a law suit and the amount i will owe with court costs and attorney fees. I want them to stop contacting all my references and stop threatening me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CT).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Payment made on XXXX XXXX, 2017 to my wells fargo credit card .... the money was taken out of my checking account and is now being held for 15 days and I am sure I am not the only customer, so it seems as though they are using these payment holds to profit off their customers. I was on the phone for over a half hour attempting to get this resolved and was advised I could not be helped and that no departments that I needed to communicate with would be open for up to 4 hours and it was XXXX EST.. I had a deadline to make a particular payment, sent the funds to the card to benefit from the rewards and was declined.

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 05-05-2017 about Debt collection (Medical debt) with C.Tech Collections, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have these  XXXX   Reports b y  XXXX   Collection Agencie s whose address are :  1.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX    2 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX   I contacted them today that these bills are supposed to be paid by my   XXXX   XXXX    :    XXXX   XXXX   XXXX   XXXX   XXXX   but seems to me that they wo n't consider it. They are attacking me by using a Credit Report thus would give a handicap for me in borrowing or just an approval for medical needs. It is so very alarming that I am going to be  XXXX  this  XXXX  therefore have to get by with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my personal data to be breached due to their own negligence regarding security.

Company response to consumer: Closed with explanation