milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit line increase/decrease

Complaint: I APPLIED FOR A CREDIT LINE INCREASE WITH CAPITAL ONE. THE DENIAL REASON INDICATED " YOUR AVERAGE MONTHLY PAYMENT IS TOO LOW ''. I HAVE CONSISTENTLY PAID MY MONTHLY PAYMENT ON TIME AS WELL AS PAID MORE THAN THE REQUIRED MINIMUM PAYMENT UPON BILLING CYCLE. MY CREDIT CARD ACCOUNT IS INTEREST FREE, THUS THERE WAS NO INCLINATION TO RUSH TO PAY OFF ACCOUNT, ALTHOUGH I MADE MORE THAN THE REQUIRED MINIMUM AMOUNT DUE. THE PROBLEM SEEMS TO BE THAT I HAVE MADE SEVERAL SMALL INTERMITTENT PAYMENTS, WHICH ARE BEING TAKEN INTO CONSIDERATION. HENCE, THE " TOO LOW MONTHLY PAYMENT '' RATIONALE FOR DENIAL. THE SMALL PAYMENTS I MADE WERE NOT REQUIRED. THEY WERE SIMPLY DISCRETIONARY PAYMENTS WHICH I HAD NO IDEA WOULD POSE A NEGATIVE IMPACT UPON EVALUATION FOR A CREDIT LINE INCREASE. I HAVE PAID MORE THAN THE ACTUAL REQUIRED MINIMUM PAYMENT EVERY STATEMENT PERIOD. CAPITAL ONE HAS DEMONSTRATED UNFAIR CONSUMER PRACTICES BY CONSIDERING MY PAYMENTS WHICH ARE NOT REQUIRED OR RELEVANT TO MY ACTUAL REQUIRED BILLING STATEMENT. FURTHERMORE, THE SMALL PAYMENTS DO NOT INFLUENCE MY CREDIT REPORT IF THEY ARE NOT RELEVANT TO AN ACTUAL REQUIRED PAYMENT. THE DENIAL REASON IS NOT SUBSTANTIATED BY FACTS. A REVIEW OF MY ACCOUNT CLEARLY REFLECTS THAT I HAVE PAID MORE THAN THE MINIMUM PAYMENTHE UPON BILLING CYCLE. ANY OTHER PAYMENTS MADE ON ACCOUNT OUTSIDE OF BILLING CYCLE SHOULD NOT HAVE BEEN USED AS AS A BASIS FOR " LOW PAYMENT '' DENIAL REASONS. NOT TO MENTION, SMALLER PAYMENTS WERE DISCRETIONARY. I APPLIED FOR AN AUTOMATED CREDIT LINE INCREASE ON XXXX/XXXX/16 AND WAS APPROVED FOR {$750.00}, BUT I DECLINED OFFER AND DECIDED TO WAIT. I REQUESTED A CREDIT LIMIT INCREASE FOR THE SAME ACCOUNT ON XXXX/XXXX/16 AFTER CHANGING MY MIND FROM PREVIOUS XXXX/XXXX/16 REQUEST AND RECEIVED THE DENIAL REASON WHICH I AM DISPUTING. I WAS APPROVED UPON REVIEW OF THE SAME PAYMENT HISTORY FOR A CREDIT LIMIT INCREASE ON XXXX/XXXX/16, BUT DENIED ON XXXX/XXXX/16 UPON RESUBMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other service problem

Complaint: My complaint is with coinbase.com. About 2.5 years ago opened an account and purchased some virtual currency. I did try to access my account for about two years, until X/XX/17. During that time Coinbase had added new security features for account access. ( 2 Factor authentication. ) I was unable to access my account. I corresponded with XXXX and Coinbase by e-mail ( there is no telephone support ) until X/X/17 before I was able to access my account. ( Over 60 e-mails! ) Once I was able able to do so, I purchase set a monthly purchase for additional virtual currency. Two days ago I attempted to access my account and, again, was unable to do so due to the 2F authentication. I have contacted Coinbase tech support through their web site, but have not yet been contacted. The first time I was somewhat patient ( perhaps more than I should have been ) since I had not accessed my account for two years. But now I am in the same situation after 5 weeks. I NEED access to my account! Coinbase needs 1 ) to provide phone support to resolve these issues in a more timely manner ; and, 2 ) needs to reevaluate their account security methods. Security is fine if it prevents unauthorized access. But it is pointless if it also prevents authorized access by the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Account opening, closing, or management

Complaint: My wife and I each opened a Capital One 360 Savings account that had a bonus offer if we kept the account open for at least 90 days. Today they refused to pay me my bonus on the following grounds : I used to have an ING Orange Savings account, which I closed shortly after ING ( USA ) was bought by Capital One, and the terms of this bonus was it had to be your " first 360 Savings '' account. Since I never opened a Capital One 360 Savings account before, I had no idea I would not qualify. Their disclosure states " If you qualify for a bonus, Capital One 360 will deposit the bonus money into your account .... '', but they do n't tell you up front that you do n't qualify because you used to have an ING Orange savings. I believe their disclosure is misleading, or at minimum their should be a way to know up front that you would n't qualify. 

In my wife 's case, we had to call and ask for the bonus even though she never was a primary account holder on an ING Orange Savings. Once they did agree they made a mistake and did not pay her the bonus, they paid the bonus but put a hold on the bonus money for 30 days - even though their disclosure states " Once it 's deposited, the funds will be available immediately. '' Their reasoning was that it was a computer issue with the original bonus, so they have to hold it for 30 days. I question the legality of that. 

I believe both cases were deceptive in nature, and certainly the case of holding the bonus for 30 days was in direct conflict with their disclosure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I purchased a used a VA loan for a purchase and closed escrow on XXXX XXXX, 2015. We have received countless letters stating we are eligible for a VA IRRRL loan. At first, I threw a few letters away, but after the fourth or fifth, I called a family member, who happens to be our lender. I know what happens to the original lender when someone refinances within six months of a purchase or a refinance. I now have XXXX letters that I 've kept, describing the VA IRRRL loan. One of the larger lenders has sent one twice, the dates on each notice only being seven days apart. 

I can not believe how shady these companies are, especially targeting XXXX XXXX service members and veterans. I feel bad for people who have been deceived and swindled by dishonest lenders, trying to make a quick buck, and therefore, costing the original lender thousands of dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with Southwest Recovery Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

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
Consumer complaint received 11-03-2015 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Got a private loan for School ( XXXX University ) after graduation could not find a job. Upon finding a job as a XXXX, still did not make enough to pay for the private loan. After XXXX for 3 years on and off, was unemployed again. Have contacted private loan company to lower payments, since I currently have a full time job, but they stated that they have done all they can and can not lower payment. Mother co-signed but since Dad can not work his original job and had to take a lower paying job, she is having problems trying to help me pay as well. Dad went from a {$XXXX} an hour job, to a {$XXXX}. Mom has now had to take her funds to help keep the household running. What options are available to assist with getting this private loan amount reduced? The interest rate from the years I could not pay have made the loan go from {$45000.00} to {$80000.00}. I try to pay what I can, I can not pay {$750.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Home equity loan or line of credit) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity loan with a company in XXXX, XXXX, Loan Care, who is horrible. Dealing with them has been a nightmare in general. Reaching them on the phone is difficult at best. I can almost never get in touch with a human being ; their automated phone system has perfected the art (? ) of the runaround. Back in 2009, I was told that I was {$13000.00} in arrears ( no foreclosure proceedings had been instituted ). My husband sent them the {$13000.00} and it was not applied to the loan ; it was put " in suspense '', whatever that means. I STILL have no idea where it went. My husband requested a copy of the original loan and we were sent a copy of the loan for someone in XXXX. We had very expensive plumbing problems this last year and got a little behind, so of course they began foreclosure proceedings. Well, that has been " resolved ''. The latest trick is that we have tried no less than XXXX times to request a payoff amount so we can get rid of the headache that Loan Care is, but I have yet to have received it. And again, it seems to be impossible to speak to an actual human being. To add insult to injury, they are also impacting my credit report. My congressman 's office tells me you can help me. I hope so. Please let me know what you need from me. 
Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Payday loan () with BlueChip Financial (CA).
Issue: Charged fees or interest I didn't expect

Complaint: These people are not licensed to perform XXXX XXXX excessive interest rates XXXX operations in the state of California or the USA. They are charging me a interest rate of % XXXX and the department of business oversight of the state of Ca. said that they can not do that. Their phone number is 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 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened my own business about 3 months ago and took out  an American Express Business Gold  card, based on the promise that I would receive  XXXX  bonus points if I spent more than {$5000.00} during the first three months. I spent the {$5000.00} but noticed my points balance remained at  XXXX . Today,  XXXX   XXXX ,  2017, I  contact ed American Express  about this issue and after being bounced around  to 4 pe ople, was given every excuse in the book ( i.e. the program has ended, the promotion was for either no annual fee the first year or the points and you chose the no annual fee, etc. ). I told them my partner had taken out his card around the same time and got the points, that even as I spoke to them on the phone I could access their website offering the promotion, that there was no option of which promotion I would select ( and if there was I would obviously take the  XXXX  points over a {$170.00} annual fee waiver ), but nothing seemed to matter. I then told them I wanted to cancel the account, which I did. I believe that these kind of bait-and-switch campaigns must be confronted as many people do not have the the time or energy to deal with it, and will simply ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted equifax about several facts on my equifax credit profile. 

My date of birth was listed as XX/XX/XXXX my birthday is in fact XX/XX/XXXX I sent a copy of my drivers license. 

Also they had listed as addresses I've never lived at. I asked that they all be removed and they haven't been. 

I had many credit inquiries that I tried to tell them weren't mine, they refused to investigate them. I wrote them a letter and in the letter asked for a return letter. They never opened a dispute and my information is not updated. When I call in they refuse to make an investigation. I was also a victim of their information breach. They refuse to abide by the law and I had no choice but to take this action I have dozens of hours invested in this endeavor. And I just am at my wits end, they are damaging my credit profile by refusing to do what's necccesary, they rush me off the phone after I wait for hours to speak to representatives. 


XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) Asset Acceptance who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names XXXX XXXX XXXXXXXX. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a Asset Acceptance/XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that Asset Acceptance never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me Asset Acceptance contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay Asset Acceptance and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been paying monthly installments to a debt that I had let go to collections. For the past year and a half I have been paying {$300.00} to  TransWorld Systems Incorporated to pay off a debt of ~ {$16000.00}. I set up  automatic withdrawals with  TSI  and I had received monthly invoices giving me notice of adjusted balance. This month  (   XXXX ,  2017  ) I looked at my credit report and it noted that specific debt had been closed out  ( a total of ~  {$12000.00} at this point ). I also noted that I had not received notice of automatic withdrawal. The regular amount of {$300.00} was still withdrawn from my account. I want to inquire as to why I am still having money removed from my account when the debt has been closed on my credit reports, and I want to inquire if it is reasonable that I have not received notice of the most recent automatic withdraw?

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The  XXXX  credit companies that are  XXXX , Equifax and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Yes, I am a victim of a mistake by Missouri Child Support Enforcement. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears!

It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: this previous address not related to me, never was associated with this address XXXX, NY 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 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I RESPONDED TO AN OFFER BY American Express TO GET XXXX POINTS IF I SPENT {$3000.00} IN 3 MONTHS, WHICH I DID.I DID NOT RECEIVE THE POINTS & THEY CLAIM THE OFFER WAS NOT AVAILABLE TO ME ; HOWEVER, ON MY AMEX CARD WEBSITE, THE OFFER WAS DISPLAYED NUMEROUS TIMES DURING THE MONTH.ALSO, A SEARCH OF CREDIT CARD OFFERS FOR THAT MONTH INDICATED THE SAME OFFER.I APPLIED FOR THE CARD 0N XXXX XXXX .I CURRNTLY HAVE HAD AN AMEX CARD FOR OVER 20 YEARS AND ON AND OFF OVER THE COURSE OF XXXX, WHEN I LOGGED ONTO MY ACCT, THERE WOULD BE AN OFFER TO UPGRADE TO A XXXX HONORS XXXX & RECEIVE THEBONUS POINTS NOTED ABOVE.I SPENT THE {$3000.00} IN ABOUUT AMONTH XXXX BUT NO POINTS WERE GIVEN.I CALLED AND SPOKE TWICE TO VARIOU REPS., AND WAS GIVEN A CONTROL # ABOUT MY COMPLAINT. AROUND XXXX/XXXX/XXXX ( XXXX XXXX & WAS TOLD I WOULD HEAR FROM THEM IN 6-8 WEEKS.NEVER DID SO I CALLED LAST WEEK & THEY TOLD ME I WAS NOT ELIGIBLE FOR THE AS I HAD NOT RECEIVED AN OFFER FOR IT EVEN THOUGH I HAD RECEIVED THIS NUMEROUS TIMES ON MY WESITE & STILL DO. I have downloaded various info about the bonus upgrade which is available now & was available during most of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Student loan (Non-federal student loan) with KEYCORP (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My credit report has a medical collection which should have been covered by my XXXX coverage ( for the XXXX of my XXXX ).
The original creditor was XXXX XXXX XXXX.
They sent the bill to : Syndicated Office Sy XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX The collection account was opened on XXXX XXXX, 2012 for {$4000.00}.
I 'd appreciate your help in removing this collection.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX called me regarding a debt that was not mine it was an identity theft. it was over XXXX years ago or more. they threatened to put a lien on my current cc. they called my XXXX mom, sister, work and harassing me none stop.. they are rude. they know my minor child name, school she attends.

Company response to consumer: Closed with explanation