milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I lived at the XXXX run by XXXX who happens to have tons of complaints for fraud. I am a civil rights activist, so I found out the XXXX female managers were guilty of XXXX because they were inflating water bills. They created a formula for XXXX apartments which was illegal. They billed you for water, according to the amount of people living in your apartment. For me it was, XXXX adult with XXXX kids. In writing they assured me my water bill would be {$40.00} per month. My neighbors had XXXX adults and XXXX kids paying {$50.00} per month. I received outrageous bills for {$120.00} per month. I complained to the XXXX. State Attorney General, the Town of Farmington and then went to many apartments and found out women and minorities were billed higher than white residents. I decided to move and the neighbor next door got angry and started harassing my children, XXXX child threatened to choke and XXXX my XXXX year old son. XXXX and XXXX incited a feud with white trash, so I was forced to move. Police reports were filed. The XXXX passive aggressive managers fabricated a bill after I moved. We videotaped and took pictures after cleaning. We ended up in Court because the XXXX managers wanted to create an incident. In Court, I testified I paid my rent on time the entire time we lived there and told the Judge the reason they retaliated was because of my discrimination complaints. The company who billed me for water said, XXXX told them I had XXXX people living in my apartment and this is why my bill was so high. He said she gave them all the numbers inflating the water bills. We found tons of complaints supporting their fraud and malfeasance. They have refused to validate the DEBT. I would like this removed. We are using social media and XXXX to ensure the Public is aware of their malfeasant behavior. The maintenance man XXXX said, the culture at XXXX is ruthless. They have meetings were they encourage managers to look for new ways to bill residents for anything they can think of. The turn around of tenants according to the Town Manager is he highest in XXXX, CT. Please investigate this company and remove this fraud off all my credit reports. Thank you and best regards. 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 01/18/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Using a debit or ATM card

Complaint: I made XXXX purchases with my PayPal XXXX XXXX XXXX for wine " futures '' - wines which I pay for now, that will be delivered up to 2 years later. Unfortunately, the merchant, XXXX filed for Chapter XXXX Bankruptcy protection ( during the 2-year waiting period ) on XXXX and wo n't be shipping the wine to me. I have neither received the product, nor a refund from XXXX. PayPal XXXX XXXX XXXX is refusing to issue a refund, stating that they only have XXXX from the date of the transaction, to start a dispute. Unfortunately, the clock should start after the product was supposed to be delivered, not after the initial transaction. XXXX XXXX XXXX wines are often purchased as " futures '' two years in advance of receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I made a payment on XXXX XXXX and I can prove it. 
Citibank failed to process my payment until XXXX XXXX and then charged me a {$37.00} late fee. I called Citibank to get them to reverse the charges and they refused. This exemplifies the unethical tactics of the banking industry.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  Century Mortgage  XXXX / XXXX / XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  Bank   XXXX   Please remove these inquiries from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been struggling to pay over {$150000.00} in student debt to Navient which at the time I took the loans in XXXX was Navient. I believe that XXXX XXXX XXXX now Navient XXXX had my university XXXX University XXXX XXXX XXXX push private student loans as the secondary way to bridge the financial gap to pay for my education. Grants and scholarships were not promoted as much as private student loans, which I was left with the impression was the only way to pay for school. 

Since graduation XX/XX/XXXX I have had to declare bankruptcy ( student loans were not discharged ) and have had to deal with the unprofessional and mistrustful corporation for the last decade. In the last 10 years I have never been given the same information twice from customer service reps. I have been told crazy things such as, " do n't worry someone paid your loan off '' and promised low payment plans to " help '' when all they do is compound insane amounts of interest and fees. I have paid over {$50000.00} to XXXX XXXX / Navient but my loans have still ballooned from {$130000.00} to {$150000.00}, making no headway. 

Their XXXX number is outsourced to another country. The employees do not know what they are talking about and are hard to understand their broken XXXX. They charge a {$14.00} service fee to take a payment over the phone with the debt card, even though if you contact their collections department, based in the US, they do not charge a fee at all. The wait times are long and the phone system loops yous around and around. It is not uncommon to spend 45 minutes on the phone just to make a payment or resolve an issue. 

I have had payments meant for Federal loans be applied to Private loans and have had Federal loans go into 30-60 month passed due because of this. Recently, I asked for a total tally of how much I have paid them in total XX/XX/XXXX and no one can provide that info to me. I was told they do n't have that information. That 's impossible. I was told online through a customer service email that I could look it up online but when I searched the query, it said " Error - can not process ''. Deceit, lies, untrust are the words that come to mind when I think of Navient. 

No way out, no way to refinance it, struggling. Need help!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF THE WEST (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Bank of the West changed my " XXXX '' account to " XXXX '' in such a haphazard manor that I was unable to reconcile my account for 2 weeks. Instead of letting the " XXXX '' charges be recorded when I actually use the card, they transferred the most of my XXXX   charges to " XXXX '' before I ever started using that card. They did not just transfer one lump sum, they did a partial line by line transfer, then an undefined and unrecoognizable cumulative transfer. I don't think it was their intention to send me any further statments reflecting the activity on the " XXXX '' account, but it took me a lot of phone calls and a lot of waiting to finally get one - and it was very messy to work with. I was then able to reconcile this account, but then had to make another call and wait a long time to get them to transfer a {$200.00} credit that they had neglected to do. 
Their phone lines were excessively busy and it makes me think that I am one of very many unhappy customers. 
In summary, what should have been a very simple process for all concerned was turned into a nightmare because of a poor, clealy unhelpful, and maybe an illegal, accounting process. 
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 01/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Deposits and withdrawals

Complaint: I have checking accounts with Chase and XXXX XXXX XXXX ( XXXX ). I deposited a XXXX check for {$13000.00} with Chase bank on XXXX 2016. Chase received the funds on XXXX XXXX 2016. XXXX XXXX XXXX confirms that Chase took possession of funds on XXXX XXXX 2016. I get a email from Chase fraud unit saying funds will not be available until XXXX XXXX 2016. 
According to Bank regulations Chase should have processed the check within two business days because they are local branches. 
Regulation CC Hold Guidelines Regulation CC availability rules include guidelines for cash and electronic deposits, check deposits from local banks and check deposits from other banks. Funds from in-person cash deposits and electronic deposits must be available to honor a depositor 's personal check no later than the following business day. Check deposits that are drawn on local banks must be available no later than the second business day following the date of deposit. The funds from check deposits that are drawn on a bank that is not local must be available no later than five days after the date of deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?

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 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: I purchased XXXX BTC From coinbase.org on XX/XX/XXXX. I went to check my account on XX/XX/XXXX and because I no longer have access to the cell phone number I originally signed up with, I cant access my account. 

I reached out to their support and they have not come back with a response. Last response received was XX/XX/XXXX Hi there, Thanks for contacting us on this, Im sorry for the account setup difficulty! Our ID verification partner may be having some difficulty verifying the information on your account. Ive reached out to them for help with a resolution on this issue. 

Ill get back to you as soon as I have an update. If everything checks out your account will be ready to go. Thanks for your patience in the meantime! 

I followed up at least 3 times since then but have not received a response. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Bank account or service (Other bank product/service) with TCF NATIONAL BANK (MN).
Issue: Account opening, closing, or management

Complaint: I requested a payoff letter for my loan and was told it would take 5 business days to process my request. I explained that I needed to close on a refinance the next day and would come to the bank to collect the payoff amount in writing. The bank told me that they could not accommodate this. I explained that I would lose my lock on the rate and no fee refi, but it did not matter. They could not help me and would not issue a letter designating the 10 day payoff amount, even if I went to the bank to get it. The bank that is refinancing my loan was highly surprised as they could do this as a same day service and expected that TCF Bank could do this as well. I will need to resubmit my loan and lose the free refinance as well as an excellent rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: My Wells Fargo checking account, on XXXX separate occasions was incorrectly managed. Each time my balance in the account was about {$50.00} less than it should have been. It appears that purchased was put in pending status, and the amount deducted from my balance. Then about XXXX days later those purchased were deducted again and placed in posted status. Each time I called Wells Fargo and spoke with customer service regarding this error. Each time I was told that that could not have happened ; that the items in question would have to had been credited back to my account and only deducted once. Some of these transactions resulted in overdraft fees having been charged. In short, I am out of about {$250.00} due to Wells Fargo 'bad ' accounting. I am closing the checking account ASAP. Is there a way I can be refunded the {$250.00} dollars. I have no documents to attach since the day the transactions that are deducted twice or placed in pending with a certain date ( and that is the date I use to deduct from my balance in my checkbook ), then those transactions are again placed in 'posted ' XXXX or so days later with another date. So the transactions do n't appear XXXX on the statement, the date are just changed. Exampled : Pending XXXX/XXXX/16 and deducted from balance, then days later Posted with a date of XXXX/XXXX/16. But, the transactions were deducted twice!

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 10-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had a student loan that was invalidated by the State of Wisconsin due to XXXX 's corrupt business practices. Navient was supposed to erase the loan and remove it from my credit score, but they are still adding interest and using it against me. Further, when asked to provide proof of the loan, Navient submitted a digital file that did not have my signature but was something anyone could create using photoshop.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (I do not know) with National Enterprise Systems, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX National Enterprise Systems from XXXX ext XXXX  and XXXX XXXX from National Enterprise Systems take turns calling my place of work is at a high time record of 16 calls in one day. They threaten my co workers and bosses to give them my work schedule so they can call me and harass me during my work shift. I only work 4 hours a week, and they call even when I'm not there, they won't give me any information on the debt owed without first giving them my personal information and my social security number. I have not received any notification by mail. It is not my debt, so make them stop calling me at work. My bosses and myself have ask them to stop calling me at work, but they seem not to care and keep calling even after the threat of hiring a lawyer to sue them. I won't have a job if they keep this up.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit was pulled XXXX/XXXX/XXXX because I am in the process of buying a home and I noticed the spelling of my first name was incorrect for TransUnion. 

Thank You.

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 06/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am in private student loan default with Navient ( formerly XXXX XXXX ). These are loans taken in XX/XX/XXXX and XX/XX/XXXX. While I was pursuing a XXXX they were happy to keep deferring my loans. I did n't know what that meant for interest and now owe them more than XXXX the actual amount I borrowed ( current amount is now over XXXX and it grows larger each day ). They are demanding payments that are too large for me to make each month as XXXX ( {$1100.00} ) but wo n't work with me to set up reasonable plan and wo n't let me send a lesser amount to show good faith. They call in excess of XXXX times a day. When I talk to a rep I am insulted and threatened ( losing my XXXX, sheriff coming to my house to arrest me, asking if I enjoy collecting degrees and not paying my debt, asking why I 'd get a XXXX if I was just as XXXX, etc ). I know I owe them money, but are they allowed to call so often or to insult me and lie to me?

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX & XXXX, I received notification from a collection agency ( Afni ) stating that I owe cable company XXXX {$1400.00}. The account opened with the social security number was fraud and identity theft. I submitted the Affidavit to Afni, and Afni has received and closed the fraud account. I recently tried to have XXXX install cable in my home. XXXX still show a due balance of {$1400.00} related to the fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: My daughter ( now XXXX years old ) keeps receiving credit card applications in the mail for the Chase XXXX XXXX XXXX card. In this age of identity theft, no child should be sent credit card applications, and there should be a way to permanently remove the child 's contact information from the bank 's database. This has been occurring since she was XXXX year old. I have repeatedly contacted Chase over the past XXXX years trying to address this problem. Every time, they tell me they can opt her out of advertising for a few years, but can not permanently remove her from their database. This is a ridiculous response! There is no reason to send a credit card application to a child and Chase needs to have a mechanism to permanently block this type of mail.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute and verification request stating various FCRA laws supporting my dispute. The response I received back from Equifax really had nothing to do with my dispute letter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I received a letter from Bank of America on XXXX XXXX, 2017 dated XXXX XXXX, 2017 that my checking account was going to be closed and that my Debit card would be inactive in 21 days, and closed in 30 days and that this was a business decision, no further information or explanation would be provided and the decision would not be reconsidered. I immediately went into the bank and presented the letter and the agent looked up my account and indicated that it was not schedule for closured and the letter should be disregarded. I used my debit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the morning of XX/XX/XXXX without issue. Over the past week I have had several deposits made into this account and now I can not even transfer the money into my savings account so that I may access it. I attempted to use my debit card the afternoon of XX/XX/XXXX and my card was declined. I attempted to call the bank and it indicated that I no longer had a debit card or a checking account with Bank of America. I have had this account for over 12 years, and I have never had any irregular activity or overdrafts. I do not owe Bank of America any money and I have received no other communication about why the status of my account has changed. I called the number provided on the letter for questions, and the agent repeated about 12 times- this was a bank of america decision and the reason is that your agreement says we can close the account at any time and we do not have a reason to provide. I now have no access to my funds, and I can not pay my bills because I can not transfer it and all of my direct deposits go into this account and my automatic withdrawals come out of this account as well. I have been halted from doing business and pending transfers into this account are in limbo- this is beyond an inconvenience and has caused me to experience loss of business and public embarrassment.

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