milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: To whom it may concern, I made a SEPA bank transfer of XXXX euros on XX/XX/XXXX to Coinbase and I forgot to put the reference code in my bank order, so my money has been credited on Coinbase bank account but not credited on my coinbase account. 

I contacted their support onXX/XX/XXXX and explained my case. Since then I did not received any decent response and solution in order to get a reverse bank transfer. 

I think this is unbelivable to wait that long for just a simple customer support and with absolutely no transparency on the process. My request is involving a huge amount of money, this is insane to have no real support. My case at coinbase is # XXXX. 

The Customer service is terrific, I feel absolutely unsecured with them. I hope the Consumer Financial Protection Bureau can help me. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have repeated asked NelNet to provide ALL information regarding my loan via mail from its inception in 2004 through today. I want to know all payments made, fees charged, interest charged, etc in chronological order.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: My deposit finally came. when I went to pharmacy to get my prescription balance said {$0.00}. After being on hold for XXXX hr XXXX mins I was told I should have my money back on card within 1-2 days. XXXX hours later my card had a {$9.00} balance on it. Im on a trip out of town still no access to my funds. Tried to call Rushcard several times only to keep getting going up on. Still no assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Late fee

Complaint: I have had a credit card account with Wells Fargo for almost XXXX years. During this time I Have never been late nor been over my limit. I pay several bills each month on or about the XXXX. I keep a log of the date I pay the bills that are not payed via auto payment. The Wells Fargo Visa card is logged with a payment of {$30.00} made on the due date of XXXX XXXX. Wells Fargo indicates that I did not make this payment. This again would be the first payment I have missed in XXXX years of doing business with Wells Fargo on this card. When I logged into my account to make my payment in XXXX, the statement reflected the missed payment and a late charge. I contacted Wells Fargo about the missed payment and they reversed the late fee. I then made a double payment on the XXXX of XXXX to cover the payment for XXXX and XXXX. When I tried to log into my account in XXXX, I no longer had on-line access to my account. I tried to contact Wells Fargo by phone and was told that I owed an additional late fee for XXXX. I tried to get them to transfer me to the on-line help desk to allow me access to my account so I could see what they were charging me for, and they would not without making a payment. I again made a double payment, but was hung up on before obtaining access to my account. There have been no new charges to this card since XXXX of 2015. My minimum payment has gone from {$27.00} a month to {$180.00} for the month of XXXX. I have made monthly payments well over the minimum payment every month since the supposed missed payment in XXXX. I have called several times and continue to get the run around from Wells Fargo. I was finally able to get them to transfer me to an on-line support representative who assisted me in accessing my on-line account. The minimum payment due is associated with fees that should not have been charged. If you look at my credit report and history you will see that this is the only financial institution that I have any type of problem with. On the contrary, I handle my monies very responsibly. This account in itself was in perfect order until the so called missed payment in XXXX. I see this as a total abuse on Wells Fargo 's part. Do I have any recourse? Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2015 about Debt collection (I do not know) with Radius Global Solutions LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving robocalls or human calls from central credit services, INC, ( claiming to be a debt collecting agency ) XXXX XXXX XXXX and other numbers originating from different area codes across the country multiple times a day asking for a person other than me, hanging up after picking up the call, etc. I have spoken to a few of them and asked to take off the list, however, calls continue to come in. if i do not pick up the call, they leave me blank voicemails which fills up my voice mail box to the limit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: After receiving on XX/XX/XXXX mail solicitation from HSBC Bank promoting their Checking account service with {$350.00} promotional bonus for opening new checking account I 've decided to participate in it and see how the new HSBC service would benefit me. 
I 've opened account online by filling online application at XX/XX/XXXX. Somehow, it took HSBC around a month to really open my account, so I have finally received confirmation email of my account open on XX/XX/XXXX. 
{$350.00} promotional Bonus requirements : " include paying at least TWO Bill Pays per month for THREE consecutive months within 120 calendar days of account opening ''. 
Following promotional Bonus requirements after account was opened I 've immediately scheduled 3 consecutive monthly payments on HSBC.COM site to 2 of mine regular bill payment recipients ( overall 3*2=6 payments ). 
Such payments were properly made for 3 consecutive months starting XX/XX/XXXX and finishing on XX/XX/XXXX. However, to my surprise, instead of receiving promised Bonus I was hit by XXXX Service Fee charges ( {$15.00} each ) And after that discovered through HSBC XXXX XXXX XXXX that somehow : " Upon review of your account we notice only one Bill Payment in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, and only one Bill Payment in XX/XX/XXXX '' Therefore, HSBC refused to owner there promotional obligations only due to the fact that they count months as either calendar months and/or statement period months, but not as timespan months ( contrary to their paper written promotion that does n't mention " calendar '' or " statement '' months ). 
I 've spent a lot of time/efforts trying to resolve this issue directly with HSBC Customer Experience Team, but with no success. I feel, I was treated unfairly and even feel sick. I feel, HSBC is using unfair, confusive and deceptive promotional and business practices. 
I want HSBC to officially acknowledge there " mistake '', my {$350.00} promotional bonus be paid, as I properly fulfilled all promotional obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am currently an XXXX. I make less than XXXX a year. At some point, probably 2-3 years ago, my rates went up and I could n't afford the repayment monthly. I was paying around {$410.00} every month for my student loans. One month prior, on XXXX XXXX, 2016, Navient sent me a letter stating I would have a 252 % increase in my current student loan payments beginning on XXXX XXXX, 2016. A 252 % increase is exorbitant and ridiculous on a XXXX salary. They refused to work with me and want to go after my parents. The agent was very rude and pushy and basically told me my parents ' financials need to be given before they will even begin negotiating repayment plans on my student loans. I am XXXX years old and my parents have not been financially responsible for me in 6-7 years. Their financials have never been made known to me, and as a married woman, they are not financially responsible for me. My father is a XXXX for goodness sake, living off a modest pension. I do n't understand how this is even legal. Not to mention, my parents never agreed to the terms of the repayment when I changed them, so I 'm not sure legally how they can be held liable. I have no idea how my husband and I are going to be able to afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: COMPANY REFUSED TO INVESTIGATE AND REMOVE FRAUDULENT INFORMATION LISTED IN MY POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: Approximately 7 years ago, a " Penalty A.P.R. '' was applied to my Chase XXXX credit card account. Since then, this credit card account has been in good standing with on-time payments. Additionally, I have XXXX other personal Chase credit cards that are in good standing, I had a Chase bank mortgage for my former personal residence in XXXX, California that has been paid in full, and my business savings account has had an average collected balance of over {$25000.00} while earning virtually very little interest.

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 EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  MTR - #  XXXX    XXXX   XXXX   - #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Managing the loan or lease

Complaint: Hello, I have a revolving line of credit ( {$15000.00} ) offered to me after buying an automobile ( in XX/XX/XXXX ) through XXXX where my monthly payment was based on {$100.00} a month for every {$5000.00} borrowed. The car is 'paid-in-full ' however, I 've yet to make a dent in the additional loan, but I 'm paying on time. 

My loan was sold to Springleaf Financial ( SLF ) from XXXX around XX/XX/XXXX/XX/XX/XXXX. Since that time I 've had XXXX serious issues come to light in the management of this loan. 

My situation at present is as follows:1. I was assessed 'late payment ' fees immediately after coming under ( SLF ) yet I left XXXX with my account current and up to date. 

2. My monthly payment was increased from {$310.00} p/month to {$340.00} p/month ( XX/XX/XXXX ) without signing any amendment to my original contract under the pretense that I would have more borrowing power in the future if I needed it. I felt fine were I was but felt if I could not pay my loan off in full, I would have to agree and pay ( nothing was signed or said ). My inner thought on this was what if I did n't have the extra money to do this? Where would I been then? There are horror stories on the web on how this institution has messed up family lives and finances! 

3. This last one is the kicker : I 've been charged this month ( XX/XX/XXXX ) with an 'Annual Fee ' of {$50.00} for what reason I do not know! I thought this was a fee credit card companies imposed on the use of their card ( s ). Bottom-line though, I was not informed of this at all nor was I ever paying it when I was with XXXX! It just showed up on my statement. What 's also strange is that it was assessed this month yet in the block 'Fees charged in XX/XX/XXXX ' - the column has XXXX in it!!!! As far as I know, I did n't pay this last year. ( See attached billing statement ). 

My initial thought was to immediately confront then on their latest 'money grab, ' but I thought better of it once I discovered there was a federal entity that deals with such matters. Should I report my latest 'eye-opener ' to them and then mentioned my XXXX previous incidents, or do I wait until you 've had a chance to review my concerns and provide some guidance maybe? I 'm in no hurry, but I would like to know what 's going on with this company. I 'm sure there may be other customers asking themselves the same question! 

My last XXXX concerns, ( 1 ) if I make an attempt to understand what 's going on would it in effect put a target on my back by complaining about these seemingly small breaches of protocol on contract management? ( 2 ) Due to inaction on my part, have I lost the opportunity to effectively complain at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Account opening, closing, or management

Complaint: I am writing on behalf of my XXXX XXXX XXXX mother who has XXXX accounts at FirstMerit Bank in XXXX Ohio. The bank was recently acquired by XXXX Bank. XXXX sold off branches as part of the deal and any customer that supposedly had an account at a branch that was sold was being transferred to the acquiring bank which is XXXX XXXX. 
The XXXX XXXX branch was sold and my mothers accounts were included in the sale. Problem is she never opened an account at XXXX XXXX which is XXXX plus miles from her home. She was slammed into a branch that she never used I think to bolster a weak branch up for the sale and transfer to XXXX XXXX. My mother is not mobile and this puts an undue burden on her to do her banking. I and she wishes to keep her accounts at XXXX. I feel this was a sneaky and unfair, deceptive, and abusive action to benefit FirstMerit at the expense of an elderly and defenseless woman.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: judgment paid and it is still showing negative on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Hunter Waefield Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Hunter Warfield Inc. The Apartment lease was only two months broken and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Hunter Warfield Inc. In this case my debt should be removed from my credit report and out of the office of Hunter Warfield because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax has failed to keep my personal information private with their recent breach. 
My identity is at risk for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: This acccount does not belong to me and I have disputed repeatedly with t he bureaus and they have completely disregard all my disputes!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: American Express Company is restricting the bonus point I earned via their program. 
I earned bonus points by using the American Express 's credit card and wanted to use the point for my travel. 
However, American Express Company is restricting my use ; I am told that they need to do special review. 
This restriction was not indicated in original terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (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 recently reviewed my credit report and found a late payment. 

Creditor : Capital One Account # XXXX I was never 30 days late int he month of XX/XX/2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.

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. (NH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is reporting an alternate SSN tied to my information : I contacted them and provided them a photo copy of the ONLY SSN I have ever had ; nothing was done to fix it or show in their investigation a status of fixing it. They should not be allowed to list an invalid and never owned SSN on my credit report It is listed as : Social Security number variations : XXXX Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017

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 01-11-2017 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Consumer credit transaction. The basis of the venue is, A defendant resides in the county of XXXX. The transaction took place in XXXX. On information an belief the defendant made credit card purchaser. The lawyer purchased this account from XXXX Bank on XXXX/XXXX/XXXX account balance XXXX. I never hear about this bank. I let XXXX in XXXX/XXXX/XXXX I just return from PR in XXXX/XXXX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (MD).
Issue: Managing the loan or lease

Complaint: It happened around first week of XXXX 2015. I got a call from a finance company saying they send me a check for XXXX dollars in the mail and it got cashed. I told him I never applied any loan with you guys. He replied they send me a check without applying and they do it all the time but this is the first time it got cashed. So I told him maybe somebody did some fraud to me and asked what should I do now. I went their next day talked with them then reported to the police. next day I went there again signed the affidavit to investigate the fraud through the bank. I did my part as per they said. After that I did not hear nothing from them. Yesterday I checked my credit and now its showing up on my credit and ruining it. I went there yesterday again and asked them about the status of the case which they say is still not resolved and told me they ca n't remove it from my credit. I did not understand many things in this case. How can I be liable for something which I didnot even know of? How can they send a real check in mail without notice or without applying? How the check on my name got cashed without my signature and identification? Now I feel I got scammed and I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Credit card) with Colony Brands, Inc. (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am receiving double jeopardy on a Midnight Velvet account I had. Midnight Velvet is reporting the balance. They sent it to XXXX and XXXX and THEY are reporting the balance ... it subsequently was sent to XXXX and THEY are reporting the balance. XXXX collection balances reporting on my bureaus for XXXX ACCOUNT. This is a violation of federal law. 

I have disputed this with all XXXX bureaus and they left the balances on my files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation