milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Credit card protection / Debt protection

Complaint: I bought a used refrigerator from a used appliance store, XXXX in XXXX, Florida. It came with a 30 day warranty. They did not offer delivery so I hired a professional moving company, XXXX XXXX to pick it up for a fee of {$100.00}. 27 days later I woke up to a hot refrigerator and lost all my food. I called the appliance store and he said I would have to bring it back. I called the same moving company, XXXX XXXX, to pick the refrigerator up and take it back to XXXX. The delivery was done. 

I called the appliance store to see what was wrong and how long the repair would take. He said he could n't look at it for 2 weeks. I said I ca n't go two weeks without a fridge. He called me a XXXX and I told him to keep the fridge and reversed the charge on my credit card. I bought another refrigerator, replaced all my ruined food and moved on. 

Months later, I get a letter from Barclay that the charge for the refrigerator was recharged to my card. What????? The appliance store suddenly claims the movers damaged the refrigerator. They shrink wrapped it and strapped it into the truck. I watched them. There was no damage. 

This all occurred in XXXX. The mover went to the appliance store last Friday to speak with the owner and see the refrigerator. The owner told him he did not know what he was talking about. He told him to have XXXX XXXX call. I did. He yelled and called me some more name. I said I need you to credit my card or let me come pick up the refrigerator. He said he got rid of it. I supplied Barclay with his ads where he was advertising the same refrigerator for {$550.00} through XXXX. Now " he got rid of it ''. 

I called Barclay and told them all of the above, again, and they still refuse to credit my card. 

I am literally at my wits end. What Barclay is doing is causing me a literal nervous breakdown and should be illegal. Where does any kind of consumer protection come into this? What in the world are they doing? Please help me. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Randomly generated answer on Equifax website persuaded me to sign a document that may be in accurate. Coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Medical) with Northwest Collectors Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was admitted to XXXX XXXX XXXX XXXX in XXXX, IL. They provided a grant which paid for the length of my stay including doctors visits and test as well as room and board, but individual doctors have sent arbitrary amounts to collection agencies. I now owe {$2500.00} in medical bills I was unaware of. The culprits XXXX XXXX XXXX XXXX, {$210.00} ; XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXXConsent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

I think these companies should have given me an opportunity to make payments such as the XXXX companies. The docotors listed are clearly engaged in predatory billing practices when XXXX XXXX XXXX awarded me a grant for the stay XXXX. I want my credit restored it is all medical bills and every single company listed will not work with me, nor settle on terms. I need a help I am a struggling student with only medical debt, and I can not take out any loans to complete my education without these taken off my report. I ahve not been reckless and I have not lived beyond my means. PLEASE HELP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with PNC Bank N.A. (LA).
Issue: Can't contact lender or servicer

Complaint: XXXX XXXX can not connect to the bank for information. The bank side of the issue is what 's wrong

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: After the XXXX security breach, I have been attempting to place a security freeze with TransUnion ( I already froze with XXXX and XXXX ). I have used XXXX, ( XXXX ) XXXX, and freeze.transunion.com. 

Every attempt I have made ( XX/XX/XXXX @ XXXX, XX/XX/XXXX @ ~ XXXX, and now XX/XX/XXXX @ XXXX ), they take my information, tell me they are unable to retrieve my information and I need to talk to a representative. Their system then 'transfers ' me to a fast-busy signal, which then hangs up on me. 

I also attempted to use freeze.transunion.com. It said there was something wrong with my account, and I needed to call ( XXXX ) XXXX. When I did and went through the prompts, it hung up on me. 

I have recordings of each of these interactions.

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 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: I made a purchase that required me to use a licensed dealer in my home state. The dealer charged a {$25.00} fee to facilitate the transaction and I used my 5/3 credit card to pay the fee. When I received my credit card statement they showed a cash advance, which never occurred. I contacted the dealer and they assured me that their credit machine was not set up to do cash advances and taht it was run as a credit transaction. I called the credit card company and was told that it was run as a cash advance and that the extra fees and higher interest rate would not be waved. I explained that I had never done a cash advance and that the dealer stated it was run as a regular credit transaction. They insisted that I owed the fee. I spoke to a customer service representative, their manager, the disputes department, and received the same line from each that it was run this way and I had to pay even though I was never a part of a cash advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Since the complaints and lawsuits have been put into the lime light against Navient, and seeing how they seem to align with how I 've been treated, I decided to file a formal complaint. Over the course of my Navient loan I have asked for forbearance, but have also been innocuously ( or so it seemed ) been driven towards forbearance. One time in particular I had gone on unemployment due to a lack of work through my job and had contacted Navient about my inability for a long while to access my account online with them. Through contacting them I talked to a woman who also talked about my forvearance ending soon. So, I brought the XXXX up and she 'd directed me to go online and file out a specific form ... to which I reaponded that i could n't get online. I was told I 'd be sent the form through email ... and I have n't gotten it. Now, come some time later I call and end up going on forbearance because I ca n't get online to access anything they 're saying would or could be provided for me. I feel between a rock and a hard place .... I hear all the time of payments getting lost or mixed up and as a person who really ca n't afford to have payments just *poof* disappear ; I 'm afraid. Now, starting today it seems that I 'm getting calls by random numbers with 90 % do n't answer ratings because they 're false Navients trying to get money. This is all nervewrecking. 

P.S. I just moved to my new address and have not bothered to try to deal with Navient until my forbearance ended. It just ended this month. Which during the same time all the lawsuits came up. I ca n't even just get online to change the address, nor do I have an identification number to give them to bring up my loan. For all intensive purposes when I 'd called them at first the woman did not know if I 'd even had a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: in XXXX XXXX I signed for water delivery with XXXX inside XXXX warehouse. 
XXXX delivered the cooler & water, pluged the cooler next day and smoke came out of it. 
placed it in my Garage, called XXXX for replacement with no luck. 
in XXXX their driver was passing by when I opened my Garage to leave for work, and ask me if I need more water, I said no, but you might be able to fix the issue with cooler. 
he plugged it in & fix the issue. 
few day later I received A bill even though my past bill was paid in full & I did not get any more water, because cooler was not working. 
I did ask them to come & pick the equipment, the driver came to my Garage without my knowledge & took the cooler. 
I did not get a credit for my empty bottles and also for the full bottle was with the cooler. 
XXXX gave my social to XXXX and together they send my file to a collection agency for {$65.00} dollars. 
collection is for using the cooler which did not work, also statement fee that XXXX kept sending to accumulate more charges.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was notified that my job was laying me off while on XXXX, I was not told that I need to sign documentation regarding my severance PRIOR to me taking a new job. Employer did not give me the severance package indicated in my emails. My house is now in foreclosure - I found a new job and I have the money that is currently owed on the loan but the legal fees is keeping me from reinstating my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Repeated phone calls from rude and harsh debt collector who do not state the specific reason of the debt and demand address and other personal information. The person also said in a threatening tone " well I have your address '' The collector spoke to me in a rude/scolding manor as if I was a child. Even after politely expressing that the collector was rude she continued to be condesending and rude interupting me every time I tried to speak. 
The collector also would not release any information about their agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never lived at the XXXX PA address. This is not or never has been my address. Please remove 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 non-monetary relief
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for Citigold Checking a couple months back with the AA miles promotion. I verified twice that I was both eligible and I met the requirements for the bonus ( two attached screenshots ). 

At that point they said to wait until XXXX for the points to post. I contacted them again today ( XXXX ) and now they said the bonus does not apply to me because I was n't targeted. I 've been charged a {$30.00} service fee in the meantime.

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 01/30/2017 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Customer service / Customer relations

Complaint: I ordered a radar detector from XXXX on XX/XX/2017, received it XX/XX/XXXX. Used it 2 days decided it was junk. Tried to get a RMA, they said they would. They did n't. They wo n't respond to my calls or e-mails ( I 've left over a dozen ) I believe these guys are scam artist and are hoping I will just give up

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy on XX/XX/XXXX and continued to pay both XXXX and XXXX mortgages through the trustee, I was not in arrears when i filed and was never late or missed any of my payments to the XXXX then converted to a XXXX and was discharged on XX/XX/XXXX.I did not reaffirm either account but did choose to continue making payments.My XXXX mortgage is through real time resolutions in XX/XX/XXXX one month post discharge they reported me late.Which brings XXXX issues number XXXX this loan was discharged it is a violation of my automatic stay to report past the filing date and certainly past the discharge date.I have disputed with the cras and i have called real time and they said they could report on this account.This information is on all XXXX credit reports that this loan is discharged in the bankruptcy so at this point i am bringing it to your attention 1 more time.This type of reporting violates one of the basic tenants of federal bankruptcy law that they are reporting on discharged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Student loan (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: AES loan terms have gotten to the point of being unreasonable. Even though I have expressed trouble making the payments, they have not attempted to work with me to pay them reasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My wallet and phone including credit card and passwords was stolen from my car in XXXX 2015 when discovered the next morning I called Barclays Bank and reported the card stolen and reported XXXX fraudulent ATM charges in the amount of XXXX that occurred. The charges were removed while the company investigated the charges. A full 3 months pass and I log into my account and see the charges have been re-added to my account with no explanation from the card company. I called again and again reported that those charges were not mine. That was roughly a month ago and since then no action has been taken to correct the situation and remove these charges from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2015 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Billing statement

Complaint: I received a Synchrony Bank Credit Card in XXXX, and signed up to pay online from my checking account at another bank. I do this with all of my credit cards, and have been doing it for at least five years -- without any problem. 
I thought I made an online payment on XXXX XXXX ( due date was XXXX XXXX ), and received an acknowledgement email, which I did n't look at too closely. When I got an email today that said I had not paid yet, I looked at the acknowledgement email, and saw that it had *scheduled my payment for the due date. * I would never do this purposely, and when I went online to see the scheduled transaction, I saw that it defaults automatically to the due date, not the date posted ( or the next day ). To make sure that this was not something I had done, I cancelled the payment and then clicked the " Make a Payment '' again. The page I am attaching is a picture of the Payment Page on the webpage that shows the default payment date ( the due date ) and the note the bank includes about what happens when payments are made on the due date. 
I believe that this is a deceptive practice, and that the bank should not be allowed to keep this practice. Many thanks for allowing me to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with Focus Holding Company (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We are getting automated dialer robo calls from Focus Receivables, phone number XXXX asking us to call back. We have gotten calls on our home phone and cell phone. We have no debt and believe the calls are in error. When I called the number back, I was put on hold and after eight minutes I hung up. I strongly object to this waste of time to resolve an issue that could have been dealt with immediately had a live person come on the line when I answered the phone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (WA).
Issue: Problems when you are unable to pay

Complaint: Due to circumstances out of my control I got behind on my line of credit w Citibank. I called them upwards of 100 times to try and restructure my loan while I continued to make payments. They suggested that I apply for a loan modification but conveniently over a year went by and each time I submitted documentation they claimed to not receive all of it so I was constantly sending I 'm document after document only to be told that the previous documents had expired even though I had already sent in ALL required info. Conveniently everything was always 'lost ' and no human existed in the front in which the forms were sent to verify receipt. Very very sketchy. This went on for well over a year, possibly two. The answer was always some bs about how you had to qualify when the joke is that honestly probably no one ever qualified. They make zERO effort to help people who actually intend to pay money back and pay their bills and have no interest in making it right after the fact in terms of credit reporting or late charges which is fully in their control. Sadly the people who rarely pay their bills seem to have more privileges. What a world. I wrote to Citi explaining the situation and they could n't care less. Shocker. A XXXX dollar company not caring about a lowly customer ... so uncommon for big banks to treat their customers poorly..hmmm ...

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 02-02-2016 about Consumer Loan (Installment loan) with Delbert Services (MI).
Issue: Problems when you are unable to pay

Complaint: Delbert services.is an illegal loan in Michigan, yet it is on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 09/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: Capital One cancelled debt on a credit card and sent the IRS the XXXX but neglected to forward XXXX to me. My first notice is now from the IRS stating that an amount was not reported on my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have two credit inquiries on my account that should not be there and was hoping to seek help to remove them. Both of them were pulled on the same day as well as by two companies in California. I 've never been to California nor have I ever done any business with those listed companies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( 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 01/29/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AR).
Issue: Other transaction problem

Complaint: I made a purchase in coinbase this Friday ( XXXX ref code : XXXX ) and coinbase double charged my debit card. This caused my account to go in the negative and I have a check thats out pending that will now bounce. I cant get ahold of anyone at the company and this is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: OnXX/XX/XXXX Equifax received and signed for, my 1st letter disputing inaccurate reporting of a state tax lien on my credit report.That Tax lien acct # is XXXX They sent me a letter saying my request was validated. On XX/XX/XXXX Equifax received my 2nd letter, again disputing innaccurate reporting of said tax lien. As of this typing, I have already sent a dispute through CFPB, and Equifax stated they removed tax lien acct # XXXX, however it is still appearing on my credit report.

Company response to consumer: Closed with explanation