milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit determination

Complaint: This is my XXXX time submitting this complaint:1st submission for dispute : Merchant : XXXXDispute : I requested for Capital One to investigate the merchant and their breach of service. 
- I supplied all supporting document that is clear and concise to the merchants scam - Documents included in the submission that supported that there was " No Service '' provided. Furthermore, it is against the law for a merchant to hold onto a retainer fee for liquidated damages XXXX ) Result:1. Capital One validates in their decision the illegal use of signature ( forgery ). By upholding this ruling Capital One fails to comply with the Fraud Liability Policy mandated by the FTC2. Capitol One acknowledges and validates the use of fictitious documents used to support the merchants case. This also fails to comply Consumer Protection Laws that protect me from merchant scammers such as XXXX " Who Falsely Promise to Provide Services '' - FTC Statue

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with The Bureaus, Inc. (WI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Debt collector contacted some one other then myself and discussed my amount owed and payment plans available

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with U.S. BANCORP (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I returned my leased vehicle on time to Same XXXX dealership and they did not report it to the leasing company. I have proper documentation.

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 02/23/2016 about Debt collection (I do not know) with Financial Corporation of America (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Caller continueso to call at least 3 to 4 times a week asking for personal information. Claiming they represent 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 03/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted to save my home from foreclosure for the past 3 years : I have {$200000.00} to pay towards my mortgage and I am getting no where with Select Portfolio Servicing : They say my investor XXXX does not participate in modification but I find information that states that they do : I just want to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XXXX XXXX 2017, a transaction of XXXX $ via CoinBase was supposed to be deposited into my checking account. The transaction still shows that it is in a " Pending State '' and I have yet to receive my funds. I have submitted an IT ticket for help, as well as called customer support and have gotten no information as to when this transaction will be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Effective XXXX XXXX, 2016, XXXX sold my mortgage to SunTrust Mortgage. Initially, I received a note from SunTrust that my account number from XXXX XXXX would remain unchanged. I later received a note from SunTrust that I was given a new account number. I changed the account number in my bank 's automatic payment, and through a snafu, the XXXX 2016 payment was not sent to SunTrust. I was unaware of this until I received a notice from SunTrust that my XXXX 2016 payment had not been received, so I was to make a double payment that was for XXXX and XXXX 2016. I received a bill for the two months of XXXX and XXXX in the amount of : {$2500.00}. I made that payment on XXXX XXXX, 2016 - to cover both XXXX and XXXX. Yesterday, XXXX XXXX, I received a note from SunTrust that they had not received my XXXX payment. I went into my bank account and the payment for XXXX and XXXX had been sent on XXXX XXXX. I called SunTrust, and during my 58 minutes on the phone with 3 people I learned that SunTrust had made the following mistakes : 1. ) They applied my XXXX payment to my principle, rather than to my mortgage payment. This happened even though they sent me a bill for {$2500.00} and I paid exactly {$2500.00}. 2. ) I further learned that my XXXX payment was also incorrectly applied to my principle! They received my XXXX payment on XXXX XXXX, 2016. The first error was now compounded by a second error. I was told that they would correct that issue and respond back to me today. I am extremely concerned that my credit, which is super, will be negatively impacted by these SunTrust errors. I would like to have this checked out, as I notice that there are a number of online complaints that indicate that SunTrust misapplies monthly payments to the mortgage principle and then sends out notices to homeowners that they are late with their payments. This is either incompetent or fraudulent.

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 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I XXXX XXXX file this complaint against a collection agency that acquired information on me from a situation I faced back in 2007. The original company called XXXX XXXX XXXX has lost all legal ability to collect on a debt that was never owed in the first place. My information was acquired through a debt collection pool that has been scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. Under the Fair Debt Collection Practices Act a debt of this nature must be 100 % validated. Fair Collections and Outsourcing has shown no proof of ownership or the approval to collect a debt by legal statute. The legal timeline if one was ever necessary has passed by this time. What Fair Collections and Outsourcing is doing is holding my credit report hostage, even though they have no right to attempt to collect on this credit item in the first place. I believe that this collection agency should be sanctioned for this illegal activity. Accordingly, I demand this extended collection be deleted immediately and permanently from all pertinent credit reporting agencies. This agency was required to show proof from the initial procurement of the collection. That right was never protected on my behalf. The maintaining of this collection on my credit bureau seriously violates the Fair Credit Reporting Act. I demand its deletion immediately!!!

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 01-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my mortgage to Wachovia Bank. Almost every money I earned went toward this mortgage. The bank collected my mortgage for years. was told, XXXX XXXX handled the books for the bank. XXXX XXXX would send me notices also about my account. I was also sending them money also. No one let me know that XXXX XXXX was no longer part of Wachovia Bank. I was paying XXXX mortgages and did n't know it. The bank should have let me know if they had made changes with XXXX XXXX. Between Wachovia Bank and XXXX XXXX I paid XXXX notes for years and still lose my home. Wachovia Bank should have let me know if XXXX XXXX was no longer part of the bank. XXXX XXXX notices still had Wachovia Bank name on their letter heads.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Confusing or missing disclosures

Complaint: After successfully using the  PAYPAL  website for many years, I recently had a very disappointing experience due to  2  claims filed by a vendor that i provided services for.  <P/>  XXXX   XXXX   XXXX  first filed a Non-receipt claim on  X/XX/17    (  XXXX  ) the claim was decided in my favor.  ( See  exhibi t 9 )  He then filed a fraudulent chargeback for the same payment on  X/X/17    (  XXXX  ) and Paypal, even though the first claim was decided in my favor and i submitted documentation proving my services were proprerly rendered, took the money back leaving my account in the red.  <P/> The language on  Paypal  's website misleads people into thinking they have more protection than they do. The language about protecting against fraud and fraudulent buyers is overly broad, when in fact the actual protection against fraud is very narrow. Not only are there misleading terms of non-existent protection, there is negligent omission of the frequent losses Paypal seller 's incur when fraudulent " quality of merchandise '' and fraudulent chargeback 's are enacted.  <P/>  Paypal  has a legal obligation to make it clear that : a. ) Chargebacks are common.   b. ) Seller is out of luck and stands to lose almost unlimited amounts of money and goods and that Paypal offers no protection whatsoever from this.  <P/><P/> I ONLY agreed to receive payment for services through  Paypal  because i had a REASONABLE EXPECTATION ( based upon Paypal 's terms of service and other language on the website ) that i was going to indefinitely keep the money Paypal sent me. If one does not have an expectation to indefinitely keep Paypal monetary transmissions, there would be no reason to receive payments based on this. If Paypal funds are not mine to keep permanently, but are in fact merely loans,  Paypal  should make this VERY CLEAR in conspicuous places.  Paypal  should inform that funds dispersed to sellers based on credit cards, are potentially temporary loans, frequently subject to retraction, based upon the whims of the credit card holder. Paypal should warn the Seller, that it is a frequent occurrence that Sellers send goods, receive payment, but then have to forfeit the same payment amount, back to Paypal, and as frequently happens, lose their money and goods.  <P/>  Paypal  says they protect against fraudulent buyers, and against fraud, but a fraudulent chargeback is fraud, and you offer no protection at all.   This is a clear case of  " Det  rimental Reliance ''  since i relied on Paypal 's misleading statements and contractual relationship to my detriment. I had a reasonable expectation to keep the money  Paypal  gave me when i rendered services to a customer, but Paypal unduly allowed for those funds to be taken back, with no regard to the possible fraudulent nature of chargeback claims.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Private student loan) with SLM CORPORATION (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I cosigned a student loan for my grandson through Sallie Mae. Although I co-signed the loan, his parents filled out some of the paper work and thought that they would be helping him by paying the interest on the loans while he was in school. He graduated XXXX XXXX of this year ( 2017 ) and is currently setting up interviews for a job but, as of this date, is not employed. Since he graduated, his parents thought he would have a 6 month grace period before he would have to start paying back his loans. However, we found out today that is not the case and Sallie Mae expects an interest payment during his 6 month grace period. Unfortunately, since my grandson graduated, his father lost his job and they can no longer pay the interest. I called Sallie Mae today ( X/XX/17 ) and explained the situation to a representative who said he would connect me to the Loan Modification Department but, the call was disconnected. I called back and talked to another representative who was not at all helpful, nor sympathetic and REFUSED to connect me to the Loan Modification Department, so I asked to talk to her supervisor. The supervisor was also not sympathetic and ALSO refused to let me talk to the Loan Modification Department and was very condescending. After searching online to see if there was any options available for their situation, I found a different phone number for Sallie Mae and a quote that saidIf you are experiencing financial challenges, whatever the reason, at the first sign of a difficulty dont ignore it. Call us at XXXX ( XXXX ). We know you dont want to be in this situation, and were committed to working with you to help you get back on track. So, for the third phone call I called this number and, although the representative was at least kind, she said there was not much that could be done. After I complained more, she said she could give him a forbearance but he would have to pay {$150.00} for that and then he would have to begin paying the interest next month. He does n't yet have a job and, although I co-signed his loans, I am retired and can not possibly pay this amount each month either. I asked Sallie Mae if I could pay {$100.00} per month until my grandson got a job and could start repayment, but that was not an option according to them. Additionally, although my credit score is  excellent, his student loan interest rate for each of the four years was between 11-12 % which I did not understand. When I called each year to see if somebody would tell me how they came up with that rate, I was never given an explanation. So, his parent 's paid around {$20000.00} in interest over the four years and they still could n't do anyything to modify his loan so he could take advantage of the so called " grace period '' to begin repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with Navient Solutions, LLC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this account for the last year or so every month for the fact that this company can not and will not truly verify this account. I even called XXXX to speak to them and I talked to a gentleman that was even confused in why XXXX XXXX would say they have no payment history on this account. Every time I dispute it comes back verified but the only thing that changes is the " First report date and date of status '' which in this case is XXXX XXXX. I have been turned down for credit because the reason is recent delinquency. It is this account that this denial is talking about because if this account was reporting correctly it would be a few years old. The XXXX representative understands why I keep disputing it because it is not reporting correctly. I have even called XXXX XXXX which was in XXXX and XXXX XXXX, XXXX. Both times I was told that their is no payment history and when I mentioned that XXXX XXXX fails to verify and report correctly, I get the response " you paid the account so there is no payment history and we are only the collection company so we do not have a lot of information on your account ''. I asked if XXXX XXXX could remove the account off my credit report since it is not being reported correctly, and I was told a fast " NO ''. Like I said I have disputed this account monthly for the last year and I wrote two letters in the last 3 weeks. But I was told from the representative at XXXX XXXX that it wo n't change anything by writing letters. In the letters I submitted proof in what I am talking about the First report date and date of status keeps becoming the present month we are in, instead of the true date of status of payment. The XXXX Representative told me that this account was assigned to XXXX XXXX in XXXX XXXX, but on the credit reports it says XXXX 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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax has two credit profiles under my social security number - one under my maiden name and one under my married name. When I was trying to apply for a credit application on XX/XX/XXXX, I noticed that my credit score dropped by over 100 points. After pulling my credit report online on XX/XX/XXXX, all my credit history was missing under my married name. I tried to call Equifax ( XXXX ) numerous times and asking if the change from my maiden to married name could have caused this, and they said no, because the Social Security number is the same. Knowing that I had credit history with them and my score was a lot higher less than a year ago, I asked to file a dispute, but they said that I would have to call all my creditors and ask them to report my accounts with Equifax. 
For the XXXX of it, I pulled my credit report under the same social, but under my maiden name this time on XX/XX/XXXX. Sure enough, all my other credit history that is missing is still under my maiden name. So I called them again ( XXXX ) and spoke to XXXX over the phone. I explained to him what has happened and had him pull both of my profiles. He would not do anything for me because he said he needed to verify my identity by faxing him my Social Security card and driver 's license. I asked him why he needed those documents as they are both already under my married name. I asked to speak to his supervisor because I did not feel like I should be inconvenienced for something that is their error. I was placed on hold numerous times before he forwarded me to his supervisor 's voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (RI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I filed a complaint 4-5 yrs ago with FTC re ; Midland Credit Management LLC They had purchased some of my old debt after we had a financial hardship. Midland Credit Management kept doubling and tripling the amounts owed, so I complained. Maybe a year or so after my FTC complaint Midland Credit Management sent me letters for each account and was told they were being removed from my credit reports, and they were. I have not herd from then since, more than 3yrs. Now XX/XX/2017 I start receiving notices from them for XXXX credit cards, ( XXXX & XXXX ) XXXX is a XXXX/paid the other is very high and not a correct amount, I know it is less. I tried making a arrangement with them but it was n't good enough. I explained that I am on XXXX and I do n't earn much from that but I be willing to make small payments each month plus I wanted the amount owed looked into. They were trying to get me to agree to a 'temporary ' payment plan every 90 days, I was like why? My offer amount was n't good enough to put on a Payment Plan I was told. They also wanted my banking info before they could send me a letter confirming the arrangement, which I said NO. This company is just one horror story after another and I will not try working with them again. I have made slow but steady progress in making good on old debt and the agencies I 've dealt with have been very good. But Midland Credit Management is terrible. They twist there words around while you speak to them and at times I had to ask them to repeat themselves because they are hard to understand, plus its not even the United States I 'm connected too ... what 's up with that? Three different people, three different countries I 'm speaking too. My old complaint was how they took a bill for XXXX and turned it into a bill for XXXX in the course of 3 months ... only to be told by a rep, well we just received it and be thankful we can make an offer for at least XXXX ... .seriously? Again I do n't have a problem making good on my debt, even on XXXX I 'm trying, but I will not allow Midland Credit Management to rake me over the coals. I will never give them my banking info, how can thousands of complaints against them be wrong? Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My wife and I ( although the loans are in my wife 's name ) took out XXXX loans with XXXX, the state agency that provides loans for students that attend the university XXXX. There were XXXX loans:XX/XX/XXXX for {$5400.00}XXXX,XX/XX/XXXX for {$5100.00} and XX/XX/XXXX for {$52000.00}. Totaling {$63000.00} We are the first to admit that our payment history to vsca has been " spotty '' at best! There loan servicer NAVIENT, has recently sent us payment requirements for payments totaling {$360000.00}!!! with a payment schedule that is outrageous. I know these debts are ours to repay and we have not done this to, perhaps, the best of our ability, but this is outrageous. Aside from shocking and frightening us, these are scare tactics. Do they really thing we will pay 6X the amount of the loan? We had not been contacted by NAVIENT prior to this letter.I guess my complaint, then, is the business practices of both XXXX and NAVIENT. This falls just short of internet scams and phone calls to " little old ladies '' telling them if they do n't pay there gas bill on time they will come for their house! Thank you for listening.

Company response to consumer: Closed with explanation