milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (SC).
Issue: Unauthorized transactions or other transaction problem

Complaint: I'm sure your getting tons of these but please see the attachment as they are double charges by Coinbase : I made 3 purchase betweenXX/XX/XXXX-XX/XX/XXXX and was charge for those at that time but received those same charges today again for the same amounts causing my account to be over drafted. see attached for charges.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX I was informed that my credit card debt was {$45000.00}. On looking at my statement I am not aware of many of the transactions. Notwithstanding my credit axis limit for the card was {$25000.00}. Chase never alerted me that my account was going over the {$25000.00} limit. In the past Chase has alerted me if they were suspicious about a tentative transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Problems when you are unable to pay

Complaint: a negative report posted by gm financial on approx.XX/XX/2005 is still showing on my reports. 
Pa. limitation is 4 yrs. i would like this stricken from my record. I am also showing a public record of a recently discharged bankruptcy. I request this also be stricken.

Company response to consumer: Closed
Consumer complaint received 05/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Transaction issue

Complaint: Re : Kohl 's Account # XXXX I made purchases in XX/XX/XXXX totaling {$180.00}. On XXXX/XXXX/16 I made a return in the amount of {$28.00}. On XXXX/XXXX/16 I paid the remaining balance {$150.00}. On XXXX XXXX, 2016 the Kohl 's system took an auto payment of {$180.00} when the balance on my account was XXXX. Now they say it will take over 60 days to refund my credit balance. This is a computer programming glitch for the company to float my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (VA mortgage) with PLAZA HOME MORTGAGE, INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I contacted Plaza Home Mortgage to ask for a payment deferral as I had lost my job. Plaza indicated that payment deferral was a loss mitigation option that they offered. On XXXX/XXXX/16 I submitted a loss mitigation application which kicked off a 1 & 1/2 month vortex of Plaza claiming I did not send them various documents and me trying to get them what they needed. It was so frustrating that I filed a CFPB complaint XX/XX/XXXX because it appeared that XXXX was either very incompetent or just giving me the runaround. Nothing became of that CFPB complaint. Finally, on XXXX XXXX I was notified that my file was complete and submitted for review. On XXXX XXXX, I was notified that our loan was selected for servicing transfer and that we would need to contact the new servicer for any information. We contacted the new servicer and they stated that : 1 ) Payment deferral is not an option 2 ) They do not have all of our documentation transferred from Plaza. 
I find it highly suspect that within a week of my file being deemed complete that I get transferred to another servicer who does not offer the loss mitigation solution that we had been assured was an option. I also find it infuriating that they do not have all of our documentation. Finally, I find it very suspect that my loan got transferred after I filed a CFPB complaint against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: BB & T has illegally charged my account ( XXXX ) {$210.00} over a period of five ( 5 ) months. As you will see in the attached supporting documents the charges are listed as Misceallanous Debit inwhich I had these accounts for 12 months and I without being notified I noticed these charges from {$9.00} to {$12.00} in XXXX of 2016 I contacted the bank customer services who informed me that they could not do anything but credit me {$35.00} that I 'd have to speak with someone at the branch I opened the account at. 
In fact I did and waited almost 2 months for a branch manager to phone me back and as of today not one has contacted me. 
I spoke back to customer service today again who said only that branch could help me. So as you see my last result was here

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 03/14/2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been receiving bills from both the Army and Airforce Exchange and XXXX XXXX XXXX regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt. 

In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX. 

I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.

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 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Unique Management Services, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This item is being reported to all XXXX Credit Bureaus and I never had any type of account with XXXX XXXX Library yet Unique National Collections continue to attempt to collect the debt.

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 08-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The reason for this complaint is that i believe that the amount allocated to the principal vs. the interest on this XXXX college loan is incorrect, and that i was unable to obtain a comprehensive and reasonable response from the eight calls made to FedLoan. 
As support for my daughter to attend college ( XXXX XXXX XXXX University ) i obtained XXXX Direct Loans PLUS from XXXX to XXXX totaling {$54000.00}, these were Standard loans at a fixed 7.9 % interest. The loans were transferred to FedLoans in XXXX XXXX. I made all due payments, was never late, in the amount of {$34000.00} until XXXX XXXX, and still owed {$51000.00}. I finally took a loan with XXXX in XXXX XXXX and paid FedLoan in full ( {$51000.00} ). 
I placed 8 calls to FedLoan since XXXX XXXX disputing the balance and requesting a full audit. Instead I only received partial history. Nonetheless from the little information received, it showed very irregular and practically inexistant allocations ( only XXXX small amounts allocated in 24 months in XXXX report ) made to the principal, which seems to indicate that the accounting is incorrect. How can i make payments of nearly {$35000.00} in 8 years showing less than {$3000.00} being allocated to the principal? None of the original loan documents stated such allocation. 
I believe that their accounting is inaccurate and that more should have been allocated to the principal. Therefore I wish to place a formal complaint to request a full audit, in order to verify and validate that the FedLoan accounting is in compliance with the original loan terms, and/or in compliance with federal regulations. If, as i suspect, the allocation made to the principal was insufficient, i request that i be reimbursed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: This company ' sent someone to my home on XXXX XXXX at XXXX to repo my car. We were going to take our kids on vacation the next day and had purchased their clothes and beach items and had everything already packed in the trunk of the car. I contacted the company and they said the car lot wanted the cad back and would not accept the payment I made that it would be returned to me but they took the payment anyway I 'm now with no car had to rebuy everything for our vacation and out out of XXXX.this company is a ripoff something needs to be done it is no big deal to them because they have their car and my payments

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a XXXX with XXXX complete years of service. I have applied for grants like XXXX and the XXXX Forgiveness program, but have not had any luck in contacting anyone to answer my questions. I never received any money from XXXX after my five years of service and now that the Department of Education has switched their loan servicing website to Navient, my XXXX Forgiveness starts over from the beginning! Instead of having three more years until loan forgiveness, I now have seven more years, which is unfair. My monthly payment is {$660.00} a month and every month, my student loan balance seems to remain the same.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NM).
Issue: Trouble during payment process

Complaint: Do to unforeseen circumstances we had to file bankruptcy in XX/XX/XXXX. The only month we were ever late on our mortgage was in XX/XX/XXXX when Carrington Mortgage stopped our automatic payments without notice. It took us 10 days to realize the payment was not pulled and we immediately made the payment by phone. We chose to reaffirm the loan after bankruptcy and on our XX/XX/XXXXstatement there was a {$120.00} charge but since we were not receiving statements do the bankruptcy they were unable to tell us over the phone what the fee was for. We were told by XXXX ID # XXXX that we could just pay the monthly amount and would not be charged any penalties or late fees on the {$120.00} and to fax a request in writing to find out what the fee was for. We faxed in the request and at the same time faxed in a request to start receiving statements again. Our XX/XX/XXXX statement came in and showed the {$120.00} was a fee for reaffirming our loan, is that legal? They also charged us a {$5.00} late fee for not paying the fee in XX/XX/XXXXalthough we were told there would be no late fees or penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: When we first purchased our home we had a great lender, then of course our mortgage was sold like any other. Ever since XX/XX/XXXX we have had nothing but issues. This new lender paid too much for our property taxes and then it took forever to fix that and now it 's on I 'm going process of them trying to raise our mortgage when nothing has changed. I have verified with the county and also the home insurance and every source I needed to, to see why they changed our payment. They originally told us it was the interest that went up which is false because we have a fixed rate for 30 years. Then once I addressed that was n't the issue they stumbled upon finding a valid reason as to why it had gone up. I have been trying to contact a manager since XX/XX/XXXX and out of the 30 times in 6 months I 've called only one called me back. Then this whole situation was sent to the tax department and once again I havent heard anything. They keep giving me the run around and it has been fishy from the start. No valid reasons, no good answers, and definitely no solutions. The reviews for this company are horrible and I just ca n't believe this is happening. Loancare is the name of this horrid place and I am So exhausted from these people. There is no physical office I can visit to address this in person. I have all documents holding up the facts and they act as if I do not. There is plenty more detail but it is confidential.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: A dentist charged us for XXXX weeks prior to the operation by completing a CareCredit application. The office manager explained that we qualified for a promotion however when we received the bill from Care Credit there was no indication that we qualified for any promotion and they had already charged us % XXXX interest on the {$4000.00} charge. Additionally, I have found that we were charged, not only ahead of time, but for procedures that were not necessary and that were never performed. The dentist refuses to accept correspondence on this 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 monetary relief
Consumer complaint received 05/18/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: This property has sat unoccupied and without maintenance by the Owner/Property Manager for over two years. The Association has had to take over landscape maintenance and spend countless hours trying to contact the property manager asking them to maintain the property to little/no avail. The Association has incurred a staggering dollar amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have also stated that the lack of upkeep of this property has negatively impacted the value of their property.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX experian refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report

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 06/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are with Navient. They are a fixed amount for 25 years. I have been paying through autopay and have never missed a payment or been late for 8 years. I just received an email stating my loan was reviewed and the loan was " underdisclosed ''. They told me my payments would increase so that the loan would be paid off on time. We have a signed contract with fixed payment amounts and I do not believe they can legally increase my payments. Of course if I do not pay the increase I will be deliquent. Talking to them has been very vague and incredibly not helpful. If this is even true, it is not my problem that it was miscalculated. We have a contract. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Letter rcvd XXXX/XXXX/XXXX asserting I owe them {$170.00} for a speeding ticket in Iowa dated XXXX/XXXX/XXXX ; which is past the statute of limitations, is 25 % MORE than the alleged judgement, upon calling the debt collector they assert they are not debt collectors and also recorded my call despite repeated req to NOT record ... Insisted on verification of my birth date and social, despite having my caller ID and account already provided, and wanted to argue they werre not acting as debt collectors, despite the XXXX XXXX ATTORNEY stating they ARE ... The letter does not state they are a debt collector attempting to collect a debt, and instruct to only call THEM not Iowa court. The threat of additional action like " contempt of court proceedings '' and that " Bankruptcy does not discharge any court fines or fees due in CRIMINAL cases '' THIS IS NOT A CRIMINAL CASE ITS A SIMPLE SPEEDING TICKET WHICH I WAS NEVER GIVEN DUE PROCESS IN COURT nor ever notified by any entity. IOWA statute clearly states 20 years to collect, and that has expired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Enhanced Recovery Company-XXXX, FLThey put a collection on my credit report, never notified me and gave the opportunity to dispute and ask for validation. This lowered my credit score XXXX points. I found this out when I applied for an auto loan.

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 08/19/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: All the below are on my credit report. How is this fair that they 1 ) have not contacted me 2 ) going by 3 different names and hitting and negatively impacting my credit report each month? 3 ) how is this legal for them to do? XXXX/XXXX/XXXX {$440.00} by credit control services XXXX XXXX/XXXX/XXXX {$440.00} by Credit collection services XXXX XXXX/XXXX/XXXX {$440.00} by ccs collections XXXX XXXX/XXXX/XXXX {$440.00} by Credit control services XXXX How do I keep these unfair and illegal activities happening to my credit report by these companies any further and I want these derogatory and illegal collections removed asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with S&S Physician Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection company continues to harass me and report negatively on my credit about an adverse account that does not belong to me. I sent a dispute about this erroneous account over 60 days ago and they still have not sent any response, no validation. Yet, they continue to report this error on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Payday loan () with CNG FINANCIAL CORPORATION (VA).
Issue: Can't contact lender

Complaint: I received an email from XXXX XXXX XXXX demanding payment for a loan and threatening legal action. Also my social security number, informing my employer, and I have to contact them immediately or else! I received the email at XX/XX/XXXX ... .in addition I have never had ANY association with this company or payday loans. This is after they have already been cited for these practices and been ordered to pay millions because of this in XX/XX/XXXX! This is XX/XX/XXXX. I refuse to contact the company because I wo n't give them ANY personal information.

Company response to consumer: Closed with explanation