milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2017 about Checking or savings account (Savings account) with DISCOVER BANK (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: About three weeks ago I opened a new Discover XXXX XXXX account with an online promotional offer. According to this offer, after I deposit XXXX balance, I should receive XXXX  bonus credit in my XXXX savings account. Then I deposited XXXX to my XXXX savings account over two weeks ago. However, so far I have NOT received the XXXX bonus in my account yet. 

I have a friend who opened the Discover XXXX savings account around the same time as me but he has already received his XXXX bonus. But I have NOT received any bonus yet. 

I request Discover Bank to post the {XXXX to my Discover XXXX savings account immediately without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have sold crypto-currencies on XXXX ( trading arm of CoinBase ) and I currently have about 1,000,000 EUR of fund. Unfortunately, it is only allowed to withdraw XXXX EUR a day. 

The company has a process for increasing this amount and promise to come back to his customer within 10 days. However, after a month, I still do not have any answer. 
I tried to contact them via their online ticket service but I received no answer. 

I tried calling them as well. I got connected to a representative who acknowledged the amount of fund on the account but then put me on hold and hung on me. I tried calling again but I never managed to get any representative again. 

At this point, they are holding my fund without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (SD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received my XXXX 2017 monthly bill from a Bank of America credit card. The account balance was {$120.00}. The credit card has a cash reward program that I had a large enough balance to pay the bill in full. So, I applied {$120.00} from the cash reward balance to the account to pay off the full balance. When I checked my credit card balance this morning, I noticed a {$25.00} fee for not making a payment. I checked the transactions on the credit card and the {$120.00} credit was present, as expected, on XX/XX/XXXX, well in advance of the XXXX XXXX due date. 

I called the company and they refused to reverse the {$25.00} fee for a late payment. They claimed that applying the cash reward as a credit did not qualify as making the minimum {$25.00} payment. They pointed out this bullet that pops up when the cash reward is applied to the account as a credit : " You are still responsible for paying the Total Minimum Payment shown on your credit card statement. '' To me, that statement did not apply since I was paying the bill in full with the cash rewards. By the time the cash reward was applied, there were a couple more charges on the account for the next billing cycle. But those should not be applicable for the previous month 's bill. 

For reference, this is how the transactions appear online : XX/XX/XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Type Bank XXXX - {$120.00} XX/XX/XXXX date : XX/XX/XXXX LATE FEE FOR PAYMENT DUE Type Fees {$25.00} I consider this to be a very deceptive practice by the credit card company. Therefore I am lodging this complaint.

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 04-06-2017 about Debt collection (Medical) with Capital Accounts, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly contacted this company to get them to verify that this account was mine. The information they sent me does not have my name, address or other information on it. They have violated FDCPA rules in debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (I do not know) with Atlantic Credit & Finance, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The original debt was filed as a judgment in XX/XX/XXXX, the statute of limitations on this debt has expired according to NJ state law. I just found out they are utilizing a third party XXXX, XXXX, XXXX who has refiled this judgment as a State Tax XXXX with the Plaintiff as State of New Jersey not as Atlantic Credit. Spoke to XXXX County Special Civil Law Division ( XXXX/XXXX/XXXX ) ext. XXXX, they verified that it is Atlantic Credit but as you will note they did not file it as such, it is filed as State of NJ, State Tax Lien. I contacted ( XXXX/XXXX/XXXX ) XXXX XXXX for an explanation and verification as have not received a response as of yet.

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 08/23/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2015 my husband and I traded in our vehicle which still had a loan with Wells Fargo but had equity and used it as a down payment on a new vehicle. We traded it into the dealership XXXX XXXX in XXXX XXXX, CA. Two months later we bang receiving collection calls from Wells Fargo stating that we were behind XXXX payments. I informed them that we had traded the vehicle in and they stated that it had not yet been paid and was now being reported as delinquent to our credit. We kept trying to get in contact with the dealership but all they would say is that we were no longer liable and they would look into payment. On XXXX XXXX, 2015 Wells Fargo received a payment from XXXX XXXX for all but {$83.00} of the balance of our trade in. When we contacted the dealership about this they said that the lady that handles the pay offs will be out of town for XXXX weeks. In the meantime, we continue to receive numerous collection calls and our credit is still suffering because of it. Neither Wells Fargo or XXXX XXXX will help us with getting this resolved and expect us to pay this amount to stop the collection calls. While it is a small amount, it is unfair to force us to pay the penalty because of XXXX XXXX mistake. It is also not right that our credit is now showing delinquency because XXXX XXXX did not take care of their responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: A original debt when into collections from XXXX XXXX XXXX, for {$790.00}. The collection agency is known as XXXX. After working with XXXX XXXX XXXX financial aid department the hospital requested that the bill be removed from XXXX because I qualified for financial aid which cleared the debt. I was then sent a letter dated XXXX XXXX, XXXX stating XXXX XXXX XXXX ceased all collection efforts through XXXX. From XXXX XXXX I have contacted XXXX because the debt was still appearing on my credit report. I was informed by XXXX employees that their agency does not have any open account in my name. I then informed XXXX employees that I disputed the debt but Transunion stated that someone at XXXX sent a XXXX word response stating the account is still open for collections. The XXXX employee told me that is impossible for anyone in their agency to send a response for a debt that they do not have in their system. I was then informed that agency sent letters to each credit reporting agency requesting deletion of the debt. XXXX sent multiple letters as well as submitting documents through a program apparently called XXXX to Transunion credit reporting agency. I attempted multiple time to have the debt removed by filing dispute through Transunion, and each dispute was returned stating that the debt was to remain as an open collection. I disputed the debt 5 times before XXXX XXXX reported that they will no longer accept any dispute for that particular debt. 
I contacted XXXX collection agency multiple times to be informed that their agency has sent multiple responses to have the debt deleted. I then contacted XXXX to have a supervisor contact Transunion to see why the credit reporting agency refuses to remove the collection. On XXXX XXXX, XXXX I was informed by XXXX that one of their supervisors had spoken to the marketing department at Transunion and was informed that the debt would be removed in 3 to 5 business days. As of XXXX XXXX, XXXX the debt still remains on my credit report as an open collection causing unnecessary damage. I have contacted Transunion in regards to the deleting the debt and was informed that they refuse to delete the debt and that they will be keeping the debt open until XXXX. I have personally sent a letter to Transunion asking the debt be deleted from credit report as well as a copy of the letter sent to me from XXXX stating the debt of {$790.00} was to be deleted. Transunion denied receiving the letter and still refuses to delete the debt. Can someone please help me, If someone needs to confirm what I am saying they can contact XXXX at XXXX my case reference number is 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 07-08-2016 about Mortgage (Conventional fixed mortgage) with MID-ISLAND MORTGAGE CORP. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Mid Island Mortgage mistakenly submitted my loan for a short sale. This was not initiated by me and did not have my approval/consent. In this process they ran my credit and, to add insult to injury, charged me for the credit report. The only reason I found out about this was because I received a letter stating they needed more detailed information for my loss mitigation application, which I never submitted. In addition, I received a call from an appraiser requesting to make an appointment to come look at the property. When I called Mid Island to inquire about the situation, I was told if the letter did n't apply to me, then to disregard it. I was told this several times as I demanded more information about how this mistake happened. I finally was transferred to the loss mitigation department and had someone verify that they attached someone else 's short sale application to my loan. I was not informed that a credit report had been pulled until the charge appeared on my monthly statement. I take my credit very seriously and am taking steps to build my credit score. I understand that when a credit report is pulled, my credit score takes a hit. This is irrevocable damage and can only be cured with time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I just got a letter from a collection agency saying I owe XXXX {$74.00} I called the collection agency who told me i need to straighten it out with XXXX. After over an hour on the phone with and talking to XXXX different CSR 's they all tell me they have no record of me ever having an account with them and there is nothing they can do. the collection agency told me they are scheduled to report this to the credit bureau within 30 days

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting a collection account under XXXX that originally belonged to XXXX XXXX. Transunion just investigated XXXX XXXX and deleted it and then XXXX put it on my account in the last 30 days. It was not on the credit report pulled in XXXX 2016. he XXXX account shows it is from XXXX XXXX. Transunion is allowing a re-aged account and a previously deleted account to be reported on my credit. They are ignoring my requests to just leave it along long enough for me to get my mortgage account. They are saying it is going to take up to 30 days. They have cost me a good interest rate.

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 02/23/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: said that I owe about XXXX but they will resolve my debt for XXXX  I asked for a letter stating our agreement before I pay and they said that is not possible I have to take her word and all calls are recorded and she can not send out emails there is one person that sends out emails and that s after you have paid I will not pay a single XXXX until I have it in writing that I owe this money and where it is going to

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was never properly served for this debt, the only service I received was the fact I was sued and lost and owed the debt through judgement. Fast forward to XXXX 2012 payroll contacted me and advised me I was being garnished. I accepted the garnishment of XXXX % of my salary because I knew I owed the debt and wanted to make it right by allowing them to go ahead with the garnishment. The total debt was XXXX and have been paying XXXX per paycheck since XXXX of 2012, which is 41 months as of today. The total I have paid as of today is XXXX dollars or more. I can not receive a callback from Asset Acceptance LLC to explain why they are still garnishing my pay even though I have paid XXXX over the total debt owed. They will not stop the garnishment after numerous attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

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 08/29/2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Under HARP, I had negotiated a refinance with Flagstar Bank and received an email saying I was " Approved '' with a " Commitment Letter '' as attachments to the email in 2010. I also received a letter through the US Mail saying Flagstar Bank was " committed '' to helping me keep my home. However, before any payments could be made at the lower interest rate I received a phone call from Flagstar Bank saying the refi loan was not approved. 
I had never been behind on my payments and was not asking for a principal reduction, just simple refinnance to lower interest rate. After continuing to press the bank for two more years to lower the interest rate and live up to their agreement, I was finally forced into giving up the home. Had the payments been lowered with the refinance, it would have lowered the monthly payment by over {$200.00} per month, making it an affordable $ XXXX. 
Flagstar Bank has paid millions of dollars in fines for treating people like me in the manner i described and forcing them into foreclosure. I feel that I am due and eligible for damages from the monies they have paid for their actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried ordering my free annual credit report from Experian. I have been trying to obtain a copy for over 6 months and they are refusing to send me a copy. I ordered it and have not received a free copy.

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 08/13/2017 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 When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Pinnacle Financial Services purchased zombie debt for an old collections account and reported it on my credit report with an incorrect date so it looks newer than what it is. I sent a letter stating : XXXX XXXX, XXXXPinnacle Credit ServicesXXXX XXXX, MN XXXXXXXXRe : Alleged XXXX XXXX accountTo Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$980.00} debt. According to the information I have, the date of last activity by the original creditor was XX/XX/XXXX. The State of Limitations on this alleged debt, even should it be ours, is XXXX years in the state of Indiana. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 

Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 

They are constantly contacting me after this letter, signed and certified that they received it. Also, I requested an investigation and it still was not removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Closing/Cancelling account

Complaint: Re : case # XXXX Capital One agreed to a settlement amount on XXXX XXXX in the amount of {$850.00} This amount was paid in full to the recovery department on XX/XX/2015I spoke to XXXX XXXX on XXXX XXXX, 2015, and explained to her that Cap One is still showing a balance of {$120.00} on my credit reports for this account.The settlement as stated in the agreement was to report a zero balance after paying the {$850.00} I have asked that this be reported correctly today, as their inaccurate reporting is affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When my loan was serviced with XXXX I was locked in with a low interest rate. Once navient took over the loan, my rate increased and payments have doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Using a debit or ATM card

Complaint: I was charged over draft charges from the use of my debit card, as well as NSF charges in spite of the fact that I never " opted in '' nor authorized any overdrafts or charges on my account. indeed, I specifically opted out of this coverage and believe that PNC Bank is engaging in predatory practices in clearing checks and charges to their accounts.

Company response to consumer: Closed with monetary relief