milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing statement

Complaint: I received a call from XXXX fraud department on XXXX XXXX 2015. They wanted to know if I am happy with my purchase, I told them I never ordered any tickets from them. 
I then immediately called. Capital One and told them there has been unauthorised charges on my account. They told me they will investigate and remove the charges. 
The unauthorised charges are for {$910.00} and for {$52.00} I was told the unauthorised charges for a total of {$960.00}, will be removed from my account. 
Lo and Behold when I got my billing statement it says I owe {$730.00}, this is in error, my total legitimate charges are only {$180.00} and that is what I was expecting to be billed. 
Capital One sent me a billing statement that is very difficult to understand. The billing statement is very confusing and it is wrong and in gross error and very deceptive, I DO NOT OWE {$730.00}, all I owe is {$180.00} AND THAT INFORMATION IS NOT ON THE BILL STATEMENT. 
Capital One is being very deceptive, and they now have very very poor customer service, out sourced to XXXX. 
I want Capital One to send me a proper bill with the correct amount of {$180.00}. in the new ballance area. 
Also I no longer wish to use their credit card. Capital One sent me a new credit card, but I refuse to activate it, as I no longer want to associate with a shady company such as Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 'm on an income based repayment plan, they never notified me when they needed me to update my information for the year. I was told all that information was on their old website and I never would have gotten notification of it unless I specifically asked. I was put in forbearance for 2 months while they figured it out and I submitted their information, then I started getting notifications that I was behind on payments and they had no records of the dates I was giving them. It ended up putting me in forbearance for another couple of months while things got straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have paid my bill on time every month and it was never updated on my credit report. The loan is now completely paid out and the whole balance is still showing. This account should be closed with a {$0.00} balance.

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 05/18/2016 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hard inquiries not mine. I have never authorized those to be done

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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. (NY).
Issue: Money was not available when promised

Complaint: (1) I created a new account at Coinbase.com (2) I linked my XXXX XXXX account to my Coinbase account (3) I transferred XXXX Bitcoin ($XXXX USD) to my Coinbase account from another Bitcoin wallet - this transfer was enabled because Coinbase provided the wallet address to which I could send it (4) After my transfer was made, I could not sell or even transfer my bitcoin balance because my identity was not verified by their system and their identity verification system was/is not working - my funds were held captive and I could not and still can not do anything (5) I contacted Coinbase support two weeks ago (XX/XX/XXXX), I received notification that my request had been submitted but they have still not responded to the issueObviously I should not have been allowed to transfer money to my account (ie Coinbase should not have provided me a receiving address) without being notified up-front that it will be locked there until my identity has been verified - and their identity verification system is not working

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Vehicle loan or lease (Loan) with Carfast Financial Holdings (GA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I have a retail installment agreement with XXXX XXXX, XXXX. ( Control # XXXX ). The company has been accepting payments for 8 months in accordance with that contract. On XX/XX/XXXX I was called into the office to get my GPS device services and the clerk, XXXX, stated that the firm had lost my financial documents a second time. After a very difficult day with the firm I agreed to a few changes in the contract given that some information had previously changed. 

Despite my car note being paid in full XXXX XXXX, XXXX repossessed my car on site with XXXX and another associate blocking in my car. I had to call the XXXX Police to regain possession of my vehicle. 

On XX/XX/XXXX I requested a copy of my complete file so that I could make sure my interest rates and loan terms did not change from the XX/XX/XXXX retail installment agreement. 

I 've made attempts to contact the firm to speak with a manager but have been denied consistently. On XX/XX/XXXX I called and XXXX hanged the phone up. On XX/XX/XXXX I called and was transferred to the maintenance department who " the manager '' ( no name provided ) informed me that the General Manager was present but would not be available to speak to me and he ( " maintenance manager '' ) had the authority to screen and gatekeeper the call. 

The documents I requested via email on XX/XX/XXXX were very specific : 1. A copy of my original retail installment agreement dated XX/XX/XXXX 2. A copy of the Privacy Notice upon signing the loan application. It was not provided to me and the managers at Car Fast Financial has made statements to XXXX XXXX XXXX about the details of my loan. I was later mocked by members of the maintenance department that I was not approved for outside lending ( how did they know that for sure? ) 3. I requested a statement from the company that Car Fast Financial has the physical possession of the title for my car. 

The company has on no way made any attempts to honor any of my requests. I 'm making a complaint in hopes that I can get the information I need in order to avoid legal action.

Company response to consumer: Untimely response
Consumer complaint received 07-08-2016 about Debt collection (Medical) with Focused Recovery Solutions, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently while conducting a monitor of my credit report I discovered that FOCUSED RECOVERY SOLUTIONS has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Closing/Cancelling account

Complaint: My husband has had a Chase Mileage Plus credit card for years. Now, he has XXXX and is in a XXXX XXXX XXXX. I am the spouse and have a XXXX. All is in order on our side. 
XXXX/XXXX/2016 Account is completely paid off, including a small amount of interest that somehow went into the next cycle. 
XXXX/XXXX/2016 I called XXXX ( published by their website for " closing the account ''. I spoke with XXXX who said they need the XXXX. 
XXXX/XXXX/2016 I faxed the XXXX from our landline ( XXXX ) successfully. 
XXXX/XXXX/2016 I called XXXX again and XXXX confirmed that they have the XXXX. XXXX " closed the account '' and said the Close Letter I requested should reach us in " 7-10 days ''. 
XXXX/XXXX/2016 I received an arrogant letter saying they " require more information '' specifically wanting my address and referring to me as an " agent '' on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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  three written request to Transunion requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did  not verify.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, My name is  XXXX   XXXX . I have a Nelnet account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due  Date XX/XX/XXXX   I re-consolidated my loans after they were damaging my credit back in   XXXX   XXXX   XXXX    . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to Nelnet was at  XXXX . The  Nelnet  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I opened a AAA Bank of America credit card in XXXX of 2015 In XXXX I got a call about fraudulent charges from somewhere in XXXX I did all the phone calls filled out all the paper work and I closed the account after several calls it seemed as if they had no clue .I was told fraud dispute was started.I called back when I got my statement and saw nothing was done.I was told it was not started the lady I spoke to said she would start the process in the mean time I was making payments even though I wanted to pay off the entire balance just to be done with this card .I closed the account for my piece of mind. I called back after my XXXX statement seeing as the dispute still was not resolved. I was told by next billing cycle I would be given my true balance that is all I wanted so I can pay it and get rid of this card.I got my statement not only is it not resolved they added back on the fraud disputed amount and charged me a {$25.00} late fee I dont even know when my billing cycle is because they locked my account and I did not get a paper statement.I will go through the ordeal of calling fraud center on Monday. All I want is to pay off this card but my actual charges and not foreign fees or late charges. I have been victimized over and over from this bank. I had this card for XXXX months and all these problems. XXXX XXXX XXXX years no problems. The customer service stinks .I will call XXXX and tell them terminate there association with Bank of America.I hope someone can help me with accurate information the last charge I made was XXXX 2015 give me my balance minus payment what is so hard. XXXX XXXX /Acc # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received an alert of my credit being negatively impacted by an entry made by XXXX XXXX XXXX in the amount of {$1400.00} on XXXX XXXX. I have NEVER received anything in writing from this company to show that I owe them nor have I received any notice showing that I have the right to dispute. When I looked up this company in your database, a suggested name came up of Midwest Recovery Systems. Once again, I have NEVER received ANY letter from said company either. 

Furthermore, I do n't have any contracts with XXXX XXXX XXXX nor Midwest Recovery Systems nor XXXX XXXX XXXX XXXXXXXX. 

It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was XXXX of the people whose data " was probably at risk '' according to Equifax. I placed a freeze on my account just because of this. Now I get a letter dated XXXX XXXX, XXXX from Equifax stating that there are now charges for unfreezing and refreezing. This would not be necessary, if they had taken better care of my data. I do not believe I should be paying XXXX per instance when I want to use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: The online login/encryption process for XXXX XXXX does not allow ( or blocks ) external applications from accessing my financial information contained on the XXXX XXXX website. As a result, XXXX ( external application/website ) can not access on my behalf to manage these finances. Furthermore, XXXX was unable to offer a solution to this access issue.

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX  XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/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 11-04-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Using a debit or ATM card

Complaint: I 'm filing a dispute for {$300.00} because my money did n't dispense out the XXXX, this happen on XXXX XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (I do not know) with ONLINE Information Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in the mail claiming that I owe debt to a creditor for my daughter that was sent to ONLINE Information Services ( dba ONLINE Collections ). I called the debt collection company to get their professional license number and they refused to give it to me. Also, when they tried to verify my account info and asked for the last XXXX digits of my social security number and my daughter 's date of birth, the information they have on file was incorrect. Further, my first name on the letter was spelled incorrectly. 

I believe this is a fraudulent company and a scam to collect personal information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: None of the accounts were deleted off any of the XXXX credit companies

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 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I NEED TRANSUNION TO REMOVE ALL DISPUTEST AND DISPUTE COMMENTS FROM MY CREDIT PROFILE. I AM TRYING TO GET A HOME LOAN AND THE DISPUTES SHOWING ARE PREVENTING 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 non-monetary relief
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: XXXX XXXX account balance was XXXX. ACH payments of XXXX and XXXX came in. Bank paid XXXX and charged my account.. I want that fee refunded. I am not asking for a courtesy refund. This is a bank " flaw '' in their system.

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 Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did NOT authorize any inquiries that 's on my credit report. Any inquiries from XXXX 2017 until now are NOT mine and need them removed from all credit reports Thank you

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 09/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for a college class which I never took. I was charged non the less. Now they are trying to collect money they are not owed. This is fraud.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! 
Amount : {$2700.00} Reported XXXX Filed XXXX XXXX County Superior Court

Company response to consumer: Closed with explanation