milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX account was opened in my name for a residential line. XXXX XXXX XXXX is holding me liable and mentioned that this is a billing issue. After several calls back and forth I have not had a resolution and am still being held liable. This issue has started since XXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my equifax report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX.. This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED INFORMATION *

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: mortgage was transferred from XXXX to nationstar XXXX XXXX XXXX XXXX starting XXXX/XXXX/XXXX. 
Payment was received and than retuned by nationstar ( XXXX XXXX XXXX. and I began being charged late fees. 
I asked for a letter that My account would not reflect their mistake, and was told it would be in the mail, have left messages to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease

Complaint: The vehicle loan is being paid on time as agreed.

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 12/19/2016 about Credit card () with KEYCORP (NY).
Issue: Billing disputes

Complaint: Key Bank does n't have legitimate credit card customer service. I 'm missing a credit for XXXX on my statement, and do n't know why, and they 're not able to legitimately explain as to why they 're are several debits and credits on my account and where are they coming from. My letter I was supposed to get got lost in the mail or something or they never sent it. It 's XXXX credits for XXXX for XXXX XXXX XXXX XXXX, and XXXX for XXXX from XXXX. They should at least be able to proactively explain why the charges were n't reversed and why you should legitimately received a credit. But I just keep getting transferred between disputes and customer service and nobody seems to care that the proper adjustments that needed to be made as well. A complaint has been submitted at the customer service level and corporate level, but they need to look into this issue and get it resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello I sent a debt validation letter to Capital One on XXXX XXXX 2017. They have not responded with any documentation with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX  XXXX XXXX Acct # : 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 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: After XXXX breach, XXXX gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, XXXX and Experian ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was doing a annual credit report and saw that my credit report was already viewed on XXXX/XXXX/15 and could n't get a free credit score and report on Equifax. Todays date is XXXX/XXXX/15, I noticed that the credit report was viewed around the time my wallet was lost. It had my Driver 's license and my social security card. So I 'm almost certain that my identity is in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: The complaint relates to coinbase. I have protected my account using 2-factor authentication. By switching my mobile device, the 2-factor auth in coinbase needs to be updated as well otherwise you will unable to make transactions anymore. It happend that my account was blocked and asked to unblock my account. I'm now waiting more than a week and all a got is sorry emails confirming my issue has been properly escalated.coinbase supportdesk doesn't allow you to do anything (no escalation via manager, no complaint management nothing). They just telll you you need to wait. but no reaction. It appears thousands of users have problems with accessing their money etc.I'm perfectly fine that coinbase has a great success to celebrate with new clients. But they block user's money by not doing anything related to i.e. my issue. Throughout a week I lost several thousand of dollars because I was not able to do transactions.Whatever they write as Terms and Conditions of use, this is actively blocking cash and coin outflows from coinbase. They actively decide to serve the onboarding of new clients first to promote their success and they absolutely don't care about existing clients.I'm an international client of coinbase (XXXX) but I have never come across such a treatment of customers. Don't get me wrong, whatever they write you is polite but they then don't keep their promises.This company is not mature enough to service financial clients at all.What options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from TRANSWORLD SYSTEMS INC. trying to collect for XXXX. I was in a clinical trial at XXXX, which caused me to be XXXX. XXXX assured us we would not receive any bills. When logging onto TRANSWORLD SYSTEMS INC., after going through the registration process, it states that they no longer service in the state of California, and they provide an " XXXX '' number. I find this discriminatory towards deaf people since I ca n't call. I also find the process of disputing the complaint convoluted., since it refers you to the FTC website, which refers you to this Consumers Finance website.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with ERC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1700.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I believe that the Balance Subject to Interest rate has been miscalculated on my account for my most recent statement with the closing date of XX/XX/XXXX. The previous balance on this statement is {$0.00}. The only transactions total {$5200.00} ( {$5000.00} for promotional check cash advance and {$200.00} for check fee ). The Balance Subject to  Interest rate is calculated on 31 days in the billing cycle and a 20.99 % APR. By my calculations, which are based on a careful and thorough reading and understanding of how BOA calculates daily average interest rates and daily compounded interest and that I have performed on multiple apparatus and in multiple ways, I get a Balance Subject to Interest Rate of approximately {$5200.00} for this 31 day statement. However, BOA has somehow calculated a Balance Subject to Interest Rate of {$5700.00} which is overstated by over {$400.00}. 
After wasting 45 minutes on the phone with an incredibly unknowledgeable and rude customer service representative on Thursday, XX/XX/XXXX beginning at XXXX EST and lasting until approximately XXXX EST., I was denied the opportunity to speak with a manger or supervisor of any sort and told that I would receive a letter with a breakdown from finance. No timing could be provided on when that letter might arrive. I was also told that generally I shouldnt worry about it and that he couldnt understand what exactly my concern was. 
I never received a letter and subsequently followed up in writing on XX/XX/XXXX. The response that I expected to my letter was that, per the Fair Credit and Reporting Act, Bank of America would either correct the error or explain to me exactly ( with a full daily breakdown which I requested ) how the Balance Subject to Interest Rate of {$5700.00} noted on this statement is correct. 
Instead of a detailed response and breakdown, I received a completely generic letter in return dated XX/XX/XXXX that not only did not address my inquiry in any specific detail but also stated that the charges on my statement are correct despite there being no support of that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Credit determination

Complaint: I have found a XXXX Hard Inquiry on both my XXXX reports from XXXX XXXX 2015. After research I found the originator of these inquiries from PayPal in which I did not apply. XXXX causing damage to my credit reports and score. With all the investigations and ongoing complaints regarding PayPal and it 's credit methods and problems I most certainly would not involve myself with PayPal credit. I am not sure if this was a mistake or fraudulent activity. But I have noticed other forums or internet sites stating around the same time or even earlier in XXXX similar occurrences. They state the industry standard for even handling a dispute of this nature is 60 days in which I myself rarely have had to dispute any discrepancies but found most companies to handle or correct the situation promptly. Generally resolving issues within just weeks. I also feel this practice of PayPal with their odd processes and systems in which PayPal themselves have recently been held accountable for should have a better system in place to handle and correct the many situations or discrepancies many have been having with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am having difficulty trying to file for a credit card or to receive a credit card due to that I have a XXXX brother with the same last name and same first but our middle names are different. our social security numbers are different by XXXX digit cause we were born XXXX as XXXX. XXXX are XXXX individual people, not XXXX person. When trying to file for a credit card, the credit bureau 's see XXXX different social security numbers but when they see the same first and last name, everything is refered back to XXXX person and only being XXXX person since having the same names but the system ca n't detect a XXXX digit difference in social security numbers. The United States XXXX can Identify XXXX separate human beings with XXXX different social security numbers and see the complete name, first, middle and last, they do n't see only first and last name. This problem has been going on for the last 7 years and yet to this day credit bureau 's have not identified or tried to prevent these kind of situations believing that XXXX people with the same fist and last name but XXXX digit difference in social security is still only XXXX person. Were both veterans, we have XXXX different XXXX discharge papers, both identifying both of us as XXXX different people. I hope that the system is n't discriminating towards Hispanics that have identical names but yet XXXX different social security numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was sold to Green Tree from XXXX. Around the same time, I fell into some hard times with a significant loss of income and increase of medical bills. I attempted to look for options with Green Tree and was told I only qualified for a stream line modification but was n't provide with any details. Only that I would need to make XXXX trial payments and after I paid the last XXXX, then I would find out the details of the modification. Once I received the modification, I realized it was n't in my favor to accept it. I spoke with the supervisor on my account that explained to me if I decline the modification, that it will take a few days to reallocate my trial payments to my mortgage since I was shown as being late and close to default. XXXX is the supervisor on my account. She informed me that I would be able to make payment arrangements to make up the difference and the amount would be spread over the next 3-4 months so everything will be caught up. She also mentioned which I was n't aware at the beginning that I had other options that I could have explored. The trial payments were for XXXX, XXXX, and XXXX. I have been dealing with XXXX my account XXXX XXXX XXXX and her supervisor XXXX since the first week of XXXX with no resolution. They consistently told me I owe over XXXX and need to pay the balance. I have no statements to show where the XXXX trial payments were reallocated to my balance nor where they came up with the balance. I have been treated like I 'm a dead beat loser that needs to pay the whole balance or go to foreclosure. XXXX has been rude towards me and have avoid my calls and even hangs up when I try calling her. I left numerous voice mails to both XXXX and XXXX with no return calls. The couple times I was able to actually speak to XXXX she would continue to say I 'm not discussing anything unless your ready to make a payment for the whole amount. I have been seeking support from my family and church and wanted to continue which was first discussed with XXXX as far as making payment arrangements to clear my past balance. I also would like to see in writing how everything was reallocated. My statement shows a balance over XXXX does n't reflect the amount of XXXX they told me to pay. I tried talking to someone else in customer service and their own department but everyone routes the calls back to them which leads me no where. No one will look into this matter for me. I am stuck dealing with XXXX individuals that are not willing to discuss or assist me in this matter. I have nothing written to show where the balance is coming from. I was not late for 3 months during my trial period but still show being late close to 180 days. I need someone to review my account and provide me in writing what my past balance is so I can make the proper arrangements to pay everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Delinquent account

Complaint: I was activated and protected under XXXX during in 2008 my income was cut in half and I was unable to make payments. I disputed the charges that were being charged and after chase reviewed the charges that were outstanding they sent me a check in the amount of {$800.00}. These errors were reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This complaint is against Capital One. I have a GM Card. Upon logging online into my existing GM XXXX Card, I was notified that I would have to go through a reenrollement process because Capital One has a new platform for servicing the card. I attempted to go through the process, and while the system recognized me ( it demands an existing customers social security number in order to do this process! ) it did not recognize my password.
After waiting thirty minutes online with a XXXX XXXX customer service rep, she indicated that she did not know what to do, and would have to transfer me to technical person. Another ten minutes and I reach technical support, who also can not figure it out. Twenty minutes later and multiple failed efforts, we esablish a new password and the system appears to log me in, but no data loaded. We are now past an hour, and my technical service person is stumped. So, he places me on hold for ten minutes while he asks his technical person, who tells him, " oh yeah, we are loading the data in waves and it may be three or four days before it loads. '' So, my complaint : 1. Capital One has a failed system for transitioning its customers from one platform to the next. It has not loaded the password data in its system to verify enrollment ( I had to create a new password ). Nonetheless, it is forcing its customer to begin the transfer process, when it should know that it will fail and the old system is unavailable.
2. Capital One demands my Social Security Number in order to proceed with the transfer onto its new system. Not information I want to share online.
3. At every step of the way, Capital One staff are in the dark, unaware of the system 's glitches, including the fact that even when a customer is successful, the data has not loaded, so it appear to the customer to have failed.
4. No information or explanation is provided to the customer about any of the above problems. Indeed, Capital One 's own CSRs are in the dark.
5. After waiting 90 minutes I reached a supervisor, who was aware of all these systemic failures, including lack of password data to enable customers to complete its own process, the fact that no data will be present for days, and most importantly that none of the system shortcomings are communicated in advance to customers or customer service staff so that a customer does not waste over 90 minutes trying to go through its process. The supervisor was not impressed.
So, a terrible experience using the system Capital One requires me to use, when it knows that due to the lack of underlying data it will fail on the front end ( no password data ) and fail on the back end ( still loading customer data ) and it communicates none of this online.
This truly is the XXXX of credit card companies. Incompetent at best.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This debt collection company just called me and threatened to sue me to collect an alleged 23 year-old debt I purportedly owed to the Goodyear Tire Company. When I asked for the date of the alleged credit extension, I was told " 1993 ''. Then, when I explained that I did n't think I owed the debt and asked why no one had contacted me and/or sued me before regarding this matter I was told that my statements were " an indication of my terrible moral character '' and that they would " come after me, my [ social security ] income, and my property ''. Before I could say anything else, the caller hung up her telephone.

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