milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXXa.k.aXXXX ( XXXX ) a.k.a. Federal Credit Corp. a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. XXXX XXXXcomplaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX ( XXXX ) sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX, phone : XXXX, fax : XXXXXXXXXXXX/XXXX/XXXX - XXXX permanently closed account per XXXX XXXX - Federal Credit Corp sent collection letter for {$10000.00} ; XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX permanently closed accountXXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX/XXXX and threatened legal action if $ 14,000+ debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXXXXXXXXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX - XXXX XXXX has no records of debt. Phone : XXXX, XXXX - XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX/XXXX claiming same as XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off 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 04/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted Navient about two years ago to lower my monthly payments since I had just lost my job. I asked the associate what could be the lowest amount I could possibly pay. The associate gave me a number and we agreed that that would be my new monthly payment. I just recently logged on to the web-based account and found that for the last twelve months, the entirety of my payments were going only to interest and none of it was going to my principal. I feel that the associate steered me in the wrong direction and it seems like they did not care about my financial troubles at that time. If I knew that my payments would only be going to the interest, I never would have lowered my payments by that much.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with DISCOVER BANK (SC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I graduated with a   XXXX   XXXX   XXXX  in  XXXX   XXXX . Once my  Discover undergraduate loa n went into repayment I quickly fell behind due to the amount of the payment and others I must make on a monthly basis. My mother is the cosigner on this loan, but she is  XXXX  and on a limited, fixed income. She has been harassed and threatened by calls from  Discover dem anding payments of {$1000.00} to {$3000.00} on the spot or her " credit would be ruined for the rest of her life. '' In  XXXX , we were told if we made three consecutive payments of at least {$900.00} they would work with me to lower my monthly payments. When I called after having completed these payme nts ( made with the help of my mother despite neither of us being able to afford it ) I  was told they never promised such a thing. I once again fell behind and began to receive calls multiple times a day while I was working, often from local area codes to encourage me to answer. Each time the amount they asked for included what was currently due, but also what was due for the next payment even if it was a month away. In early  XXXX , my mother used an open end loan and low interest rate credit card in her name to help me catch up.  Discover  received {$3400.00} in  XXXX   XXXX . I called to discuss the options for lowering the monthly payment and was told there were none. The conversation with the " repayment assistance department '' included phrases such as the following after I described my financial situation such as how much I make and amounts/numbers of other financial obligations : " in order for the loan amount to be paid off in 15 years, a monthly payment of {$900.00} is required. You do n't think you 'll ever make enough to pay that? That 's what your loan balance requires. We only offer temporary solutions. But afte r the 3-6 months the payment will be even higher. '' I offered a monthly payment of {$500.00} which is still more than I can comfortably afford, but the woman would not hear it. I am doing every thing in my power to avoid going into default and further ruining my credit, but Discover has told me a number of falsehoods and offered empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The reason for my complaint is I had an open credit account with a store named XXXX XXXX via XXXX XXXX that account was always in good standing and as of XXXX XXXX 2017 my credit score with XXXX was XXXX and it was over XXXX with TransUnion. What happened was that XXXX closed my account due to XXXX going out of business not because I did anything wrong with my credit line. Subsequently what happened was my numbers dropped 48 points for something that was out of my control. It hurt me because I am currently attempting to  acquire a home. I have sent those agencies emails in regards but I have not heard anything back from anyone to fix my numbers to where they were.

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 03-08-2017 about Bank account or service (Other bank product/service) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: Santander consumer USA..they 're a bunch of crooks. I 've been paying on my loan for over a year and my payoff amount is greater than car purchase price with XXXX down. And it cost me a XXXX dollar fee to pay my bill. It 's just crazy, is n't their a consumer protection law ... this company is extremely greedy and are making the poor poorer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had  XXXX  charges this year by   XXXX   I disputed with bank bc the items were incorrect Bank worked in the other companies favor and company would not work with me on returning items or remaking items I am still at a lost and items were not correct, this is not fair a bank should be in customer favor when they are at a lost  XXXX / XXXX /2017 {$3900.00}  XXXX / XXXX /2017 {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I have a XXXX XXXX XXXX XXXX Credit Card by Barclays Bank. One of the advertised benefits on the card is a Price Protection benefit according to which if the price on an item I purchased using my credit card drops after the purchase they will reimburse me the difference. https : //www.barclaycardus.comXXXX details all the benefits including the Price Protection benefit ( I got this link after logging into my credit card account so this is for my credit card and not generic information ). I called the number listed on the website to file a claim for Price Protection where they mentioned that my card does not have the Price Protection benefit. I called Barclays customer service with this information and they verified that the card does have the benefit and transferred me over to the claims department again to file the claim where they again denied the benefit. This ping pong back and forth between these 2 departments happened several times starting on XX/XX/XXXX and continued into XX/XX/XXXX where me and my wife collectively spent greater than 4-5 hours on this. On XX/XX/XXXX after much effort I was able to get XXXX customer service and the claims department on a conference line so they can work out the confusion between themselves ( you 'd imagine they should be doing this without me facilitating this ). They took a paper claim and mentioned that they will review the confusion with the management of the claims department to figure out what 's going on here and get back to me by end of day XX/XX/XXXX. That did not happen and I called the claims department for a follow up to that on XX/XX/XXXX and they went through the same ping pong game again asking for all information, refusing to connect me to their management and flat off denying that my card has any such benefit.

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 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 Credit Report Toolkit : Print your report Credit Education Know your rights Credit Fraud Center

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 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit about 2 years ago and found a collections for XXXX. I called and the conclusion of the conversation was that this was not my bill. I never lived in the address that the service was provided, and so it was taken of my credit. I checked my credit on XXXX XXXX and there it was again, but now it 's Southwest Credit. I tried phoning but it said that this number was not taking calls right now. I deputed the debt with XXXX and was told that this is a correct debt and I owe the amount. The funny thing is I never received any kind of collection bill from Southwest Credit until I desputed the debt and then within 1 week of the result from XXXX I received the first bill.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Fed loan is in violation of Fcra, fed loan keeps removing and re inserting this debt on my credit reports of XXXX XXXX, Fed loan is constantly removing and inserting debt which are only to stay on my reports for 7 years fed loan constantly keeps reaging this student loan information on my credit report which is illegal fed loan is not upholding the law which should be

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Vehicle loan or lease (Lease) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I was Paid XXXX XXXX up front for a vehicle just to ride off the lot and seemed legit due to all the personal visits and paperwork. The only odd part was that I noticed the car was parked in the back of the warehouse rather then being displayed in the front. I only was giving 1 set of keys and 1 license plate then was told that my bank denied me then accepted me. Ive paid up to 15 grand with 5 extra in repairs from 2 different mechanics who never got the job 100 % done. The check engine light remained on and was told tridents chewed up on the electrical.. the car was stolen or fraudulently sold to me and the scammers were all in cahoots. I later got into an accident after an unauthorized toll company tolls my vehicle then returns it back to me. XXXX pd sanctioned the toll but claims that I didnt need to get a clearance. I get my car back after paying another XXXX and then the car breaks go out. Several issues and several assasination attempts but Im still blessed to speak about it. Wellsfargo who is my investor are obligated to have a car like that insured but from what I see now is Ive been getting scammed left and right. On top of that my accounts gets wiped and several in authorized accounts have been opened. Seems like my own family are out to get me and steal from me. Wellsfargo denies it all but Im just being patient the data dont lie ...

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 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: IC Systems has added a collections my credit report for the amount of {$210.00}. The debt in references was originally owed by XXXX XXXX XXXX and was apart of a XXXX with a recurring monthly payment. XXXX and IC Systems failed to send any notification of owing a past due balance and instead added the collections to my credit report. 
The account was cancelled with XXXX XXXX XXXX between in 2015 as our dog " XXXX '' was stolen from our property and a police report was made. XXXX was notified immediately via phone call at the XXXX location and our account was cancelled. 
After the cancellation we were still being billed for pet care through automatic debt on an old account that was closed. After speaking with a representative from IC Systems we were informed about a contract that apparently stated that regardless of the dog being stolen we still had to pay. We have submitted a dispute for verification of the debt and a copy of the contract with XXXX but we have not been provided anything from IC Systems. Even though the debt has not been verified it still remains on 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 11/25/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company continues to call me even though I have spoken to XXXX different people that say my number is not on file with them. They each have said there is nothing they can do and that the calls should not be happening. This has been going on for well over a month. I do not owe anyone money. This debt collection service is located in New Hampshire, according to the pop-up on my cell phone. The calls come in DAILY! They are calling from XXXX. This is harassment that this company refuses to do anything about. Please HELP! 

Thank you,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In 2014, I went to the XXXX Dealership to shop for a car, and they sent my credit report to several bank 's, which created multiple hard inquiries on my account. I did eventually purchase a car from them this summer, and specifically requested they would not send my information to several banks, as it seriously has set my credit score back. After reading about hard inquiries, I found that it may take up to two years for them to come off my credit report. This is frustrating me still, and my credit score is not improving by much, since the inquiries will not come off till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I received a call from the debt collection agency Portfolio Recovery Associates to my secondary cell phone number XXXX at XXXX pm. I enformed the debt collection agent that I do not want my phone call recorded and to please do not contact me at all. The debt collector was persistent in getting me to confirm my name and address, so I gave the debt collection agent my Directing Attorneys XXXX of XXXX Law Firm 's contact information. The debt is from a old XX/XX/XXXX credit card that has long expired the statute of limitations to collect upon after 7 to 10 years and by law the debt is forgiven and can not be re-aged by the the laws Passed In the FDCPA Fair Debt Collection Practices Act of 1970.This debt does not currently reflect on my credit report nor do I claim any responsibility for this debt. I want this complaint to be reviewed and please contact the debt collector and have them review the FDCPA. Any further attempts from this collect will result in legal action due to harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (OK).
Issue: Billing statement

Complaint: I reported irregularities in interest charges and incorrect " payments received '' that Barclay labeled as " Purchases '' to the credit card company 2 months ago, as a result of seeing an error on my XXXX XXXX, 2016 billing statement. This tatemet erroneously states I made over {$1000.00} in purchases but does not show vendor. It also shows Barclay removing XXXX my payments made back in XXXX citing " the funds did n't go through ''. I notified my back XXXX, called a Barclay representative to conduct a 3way call on 3 different occasions to verify the validity of all my payments made and I am still being incorrectly charged, interest is being erroneously accrued, and all my statement balances from XXXX to present are incorrect. Please help me. I have the proof and Barclay is conducting illegal credit practices.

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 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (UT).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I deposited {$500.00} ( Transfer ID : XXXX ) to my account on XXXX, a cryptocurrency exchange owned by Coinbase , Inc., via an ACH bank transfer. Funds were withdrawn from my bank account by XX/XX/XXXX. 

According to the support page on XXXX ( XXXX XXXX XXXX ) " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days ( which can be as many as 7-10 calendar days, depending on the timing of weekends and other bank holidays ) to complete after initiating a purchase. '' On XX/XX/XXXX my {$500.00} deposit was not credited to my XXXX account and the transaction was still listed as pending. Because the 3-5 business days/ 7-10 calendar days transfer time had lapsed I submitted a request to XXXX inquiring why my deposited funds have not been credited to my account. I received a confirmation email from XXXX on XX/XX/XXXX confirming that they received my request and assigned me a case number of # XXXX. 

On XX/XX/XXXX my deposit was still listed as pending so I attempted to reach out to XXXX via phone to resolve the matter, but I was informed that phone agents are unable to assist with account-specific inquiries ( XXXX XXXX XXXX ). Additionally, I was informed that submitting another request online will only result in additional delay. 

As of today, XX/XX/XXXX my deposit has not been credited to my XXXX account, and the transaction is still listed as pending. It has been 35 days since I made my deposit and 22 days since I submitted a request to resolve the matter. Coinbase, Inc./ XXXX has not offered me an explanation as to why my deposit is experiencing an extreme delay or when I can expect my deposit to clear. Due to this delay and lack of support from Coinbase, Inc./ XXXX I am left with no other option except to submit a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo branch in XXXX, PA XX/XX/XXXX/XX/XX/2015 opened accounts under the false pretext of saving me account fees. Since then they have collected fees of {$170.00}. Part of the " deal '' to avoid fees was an XXXX XXXX Credit card which I never authorized a transaction on and I now show fees of {$46.00}. 

I want {$22.00} returned to me immediately and all charges past and future wiped out. I want to cancel XXXX and the Business account and all fees repaid. 

Further, just a comment on Wells Fargo and the other large banks. We need convictions and long jail sentences for bank executives.

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