milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Debt collection (Other debt) with I.C. System, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have an unverified account from I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that IC SYSTEM Provide verification of the following :  1.  The original Application or contract ; 2. Any and all statements allegedly related to this debt  ; 3 . Any and all signed receipts ;  4.  Any and all canceled checks ; 5. Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 10/26/2016 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I was given a loan of {$650.00} and was told the finance charge was {$220.00}, i was not told that this was a charge i would be receiving every 2 weeks for over a year. I was not told that my finance rate was 800 % and when i was not given any time to look over my documents before making a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to order my free annual credit report online from Equifax. They would not let me order the report on line and implied that I answered some of their questions incorrectly, which means that someone has possibly stolen my identity. I tried to order a paper copy ( not online ) but was unable to download Equifax 's required form. It is in a format not recognized by Windows or Adobe. At the same time, Equifax re-directs me to a web page where I can order a bunch of paid credit monitoring and other products. I could not be more disappointed with Equifax. They are blocking me from obtaining my free annual report and at the same time trying to sell me paid products.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, the transition of the purchase of XXXX XXXX XXXX by XXXX XXXX, in Georgia occurred. I own rental property and payments to Nationstar Mortgage company were made from XXXX XXXX XXXX ; however, after the transition to XXXX XXXX, the automatic payments to Nationstar got messed up because the account at XXXX XXXX XXXX, now XXXX XXXX, XXXX XXXX XXXX misplaced a deposit ... one that we discovered that the deposit was moved to another account with XXXX XXXX. In the meantime, Nationstar drew the mortgage XX/XX/XXXX payment off of the former account resulting in a payment of insufficient funds. When Nationstar notified me of the failed payment, I made arrangements at XXXX XXXX to ensure that a payment would go through. Only XXXX XXXX, the payment went through to Nationstar. However, I began receiving calls from Nationstar stating that I had not made the XX/XX/XXXX payment. I told them that I had, and had evidence that the payment went through. They called me at least twice a day for several weeks. Finally my banker attempted to assist with resolution of the problem by calling Nationstar. It is very difficult to speak with anyone with authority there, and basically could only talk to customer service. She faxed a copy of the bank statement with evidence on the statement. Things were quiet for a week or so, but then customer service called again stating a payment had not been made. As XX/XX/XXXX rolled around, the payment to Nationstar on my new bank account went through, but Nationstar began calling me again stating I had not made the XX/XX/XXXX payment. I received more than XXXX calls all times of the day and night from them. There was no convincing customer service that the payment obviously went through. In fact on my online Nationstar account, I can see that both the XX/XX/XXXX and XX/XX/XXXX payments went through. I finally got my lawyer involved, who sent them a letter with the paper work as evidence of the issues and payments. They responded, stating they would not have a resolution to the problem until XX/XX/XXXX ... .and could n't even spell my lawyer 's name right. In the meantime, my credit score has been affected, dropping almost XXXX points. Therefore, something at Nationstar is not connecting with the payments that are evidently being made, as evidenced by both my bank account and the Nationstar website. Now I just received a call from Nationstar stating that the XX/XX/XXXX payment has not been made ... this is ridiculous. No one there is listening to me, my banker, or my lawyer. And yet the payments ARE being made. My credit score is being affected, which is very serious to me, and this company is not paying attention to my concern. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
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: I have contacted Wells Fargo in attempts to clear up a 30 day late payment that has been added to my credit report. The account is current, and I informed them that I attempted to set up automatic payments that apparently did not go through for that month. As soon as I noticed the issue that payment was made, and I called to make sure that the automatic payment service was set up properly. I spoke with a Executive Resolution Specialist with Wells Fargo in attempts to resolve problem, and have the 30 day late removed. In turn I was treated extremely poorly. The " Specialist '' was very rude, demeaning, and belittling. He refused to listen what I had to say, and made no attempt to help work with what I would think a valued customer. I am very disappointed in the so called service that Wells Fargo has provided.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a XXXX XXXX card back in XX/XX/XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXXs representative. Seeing as this was their error, they corrected the information and removed the late fee.
Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX XXXX said was being removed ) is still on my credit record. I even closed that account over a year ago.
I would like this error removed from my credit history, not just a late fee removed.

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 12/18/2015 about Debt collection (Credit card) with Coastline Financial Resources, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This debt collector is harassing me at my place of employment. They asked for the owner and told them that they needed to know what the protocol is to serve one of their employees with court papers. They told my boss that it was an emergency that I called back within the hour, saying it was a legal matter. I was pulled away from a client at work to call these people back. I called them, and they would not explain to me who they were and what the matter was shot and kept putting me on hold. I finally got upset and told them that I stepped away from a client and they need to tell me what they want from me and who they are. The last told me to go back to my client then and call later. I said NO, I 'm on the phone now, now tell me what you want? Then she said " I 'll tell you what I want '' and hung up on me. My boss called them back to see what was going on and they preceded to tell her that they needed to talk to me. I got on the phone and they claimed I owed a debt from a credit card that was opened from XXXX. I told them it 's not mine and they kept insisting it WAS and that I was going you be sued and my papers ares on their lawyers desk.. I told them I 'll get to the bottom of it and check my credit report to see if It was some mistake. I hung up with them, then they called my cell phone the next day leaving me a voice message that if I do n't take care of this matter today, that they will be taking further action. This is a scam I believe and I 'm sure the statue of limitations had also been passed. They were very nasty on the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: American Express ( Amex ) fraudulently attached to my Gold account seven ( 7 ) unauthorized users with their own credit cards numbers. IT IS IMPORTANT TO NOTE THAT NONE OF THE UNAUTHORIZED USERS WERE EVER KNOWN BY, OR ASSOCIATED WITH ME. Amex told me that the unauthorized cards were " attached to my account '' by Amex 's computer. Before these unauthorized cards were attached to my account, I had in excess of XXXX points. The unauthorized users eventually drew my points down to XXXX. Amex told me that my points were " used for XXXX purchases '' and travel. At this time, my XX/XX/XXXX statement indicates that I have a NEGATIVE XXXX POINTS. I began contacting Amex in XX/XX/XXXX. They finally reissued a new credit card number in XX/XX/XXXX, BUT THE SAME UNAUTHORIZED/UNKNOWN USERS WERE STILL ON MY ACCOUNT. At this time I requested paper copies of my Amex statements dating back to XX/XX/XXXX so that I could scrutinize each transaction, etc. I have yet to receive copies of my statements. Amex continues to deduct points from my account to 'pay back ' points that I NEVER USED. At one point, an agent told me the matter was closed and that my account had XXXX points. Sadly, my ill husband and I wanted to take one last trip together. Of course, I had counted on plenty of points for the airline tickets. Without these points, we are unable to take this trip. Rather than try to help me, they have now reduced my point balance to XXXX for reasons I do not understand, nor can they explain.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Since XXXX of 2017, Coinbase had sequestered all of my cash in my account and prevented me from accessing it. I had no control over my funds. I could not transfer or withdraw my cash which was not invested in any products. After being neglected for 2 months, Coinbase responded only after I filed a CFPB complaint. The issue has not yet been resolved because {$2500.00} USD is currently being frozen inside the account and I have no access to it. Even the technician  assigned to help my case was unaware of this. By viewing my transaction history, and using an API Key to track transactions, I have proof that {$2500.00} of my money is currently trapped in Coinbase and I need it back. I don't know why it was sequestered and no reason was given, even the technician seemed confused. Unprofessional and negligent, how did Coinbase pass the pre-requisites to handle financial assets? Coinbase does not seem to be capable of handling financial assets.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Student loan (Private student loan) with GREAT LAKES (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been paying on a roughly {$7000.00} loan for approx. 6 years ( XX/XX/XXXX/XX/XX/XXXX ) Over HALF of my money has gone to only interest! My bill is still almost $ 5,000- after 6 YEARS!!! 
Not only that, XXXX XXXX XXXX has n't sent me paper bills or anything via mail in MULTIPLE years until just last month ( XX/XX/XXXX ) I find this extremely suspicious. The employees offer absolutely no support. They never requested ANY information updates regarding name change or email/address change. They have over 100 complaints online about accounts being mishandled and overcharged. I never received any actual information from this company regarding the loan when it originated.This is extremely unsettling. No way should half of the money be towards interest only. How is anyone supposed to get ahead in life with rotten set ups such as this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am have been making payments to Navient private loan company.They incorrectly reported to credir bureau affecting my credit greatly even after trying to make better affordable payment arrangement because i am still in school. I have asked about ways to reduce payments, balance, and interest. I am constantly being charge to set up forbearance or interest reduction without sufficient evidence why or where the money goes. They falsy advertised on website for loan settlements with payment plans and told me I have to pay the full settlement in one payment. They are charging large late fees and increased interest and harassing me with collections by phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (I do not know) with Empire Resolutions Group (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company calling themsleves Empire Solutions Group is using a tatic hereby spoofing their nubmer to show as a local number from my area code. The message they leave sstates to call back to XXXX but shows as coming from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with ERC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In  2013  a fraudulent account was opened in my name through  XXXX   XXXX . I have never had  XXXX   XXXX  service only  XXXX   XXXX   XXXX  I spoke with  XXXX   XXXX  and advised of the fraudulent this account was sold to  XXXX  different collection agencies all disputed and removed. Once again this fraudulent account is being reported on my file attached is my records of each removal. I am  XXXX   XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX  not any other  XXXX . This needs to be permanently deleted and not be able to be applied back to my credit reports over and over again this is damaging to my excellent credit history. I do not o this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015, I have noticed that Jc penny have pulled my credit report without my consent. The company states that it will take 60 days, but it has been 60 days and the company has failed to take the XXXX inquires off my credit report that shows up on transunion credit report twice, which resulted in my decrease of credit score. I was informed ny the credit bureau that it does not take 60 days to remove an inquiry, instead it only takes about a month, all the company has to do is email the credit bureau asking them to delete the inquiry. which the company did not still do so,

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently disputed the creditor XXXX '' status of showing '' Open '' and listed under ''Installment Accounts ''. This account was included in my XXXX that was discharged on XXXX/XXXX/16. 
I 've disputed this matter 2X 's with them as well as with CFPB, i was advised by Equifax on the CFPB Website that this matter was not showing in the open status, and showing currently in '' XXXX Discharged as of XXXX/XXXX/16. This is not true both myself and CFPB have been misled and told false information. PLEASE See Attachment showing Equifax Credit Report XXXX showing that this account is indeed showing ''Open '' and listed under ''Installment Accounts '' Please see CFPB Complaint as of XXXX/XXXX/16 stating ''CFPB Complaint Resolution '' I 've continue to deal with these inaccuracies as well as others on my credit report, with Equifax , these inaccuracies are not only causing an issue to my credit but to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XX/XX/XXXX received my credit report from report number XXXX Experian company XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX phone number XXXX XXXX XXXX acct no XXXX address identification number XXXX what is wrong is they are saying we went bankrupt chapter XXXX on XXXX XXXX XXXX which it should say XXXX XXXX XXXX and then it says the loan was modified which the terms are susppose to stay the same it was transferred from XXXX status they are saying we are past due {$3200.00} as of XXXX XXXX this is wrong we have proof of all payments. We have one payment behind of {$1000.00} not our false XXXX gave us a modification in XXXX and they took it away because they said we filed bankruptcy and so we paid {$800.00} because they did not tell us because they claim they could not communicate with us. So we have been catching up by paying {$1200.00} and what ever extra money we can pay. For 5 years been trying to get caught up during our chapter XXXX bankruptcy so now we are dealing with XXXX since XXXX XXXX XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00} carried over from XXXX unapplied funds {$840.00} our regular mortgaged payment is {$1000.00} so we carry over {$100.00} x XXXX = {$400.00} Which brings the total in unapplied funds {$1200.00} enough for a payment that we are behind on plus XXXX paid one we were behind on to which leaves only one payment left there saying we are behind three payments of {$3200.00} this is not accurate and I talked to XXXX XXXX XXXX XXXX and XXXX and they said I am wrong and this is accurate I want something done please

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 08/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: Hello my name is XXXX XXXX I just recentaly opened a checking and savings account with chase bank. after 2 days of me doing so and depositing a big sum of XXXX XXXX dollars they randomly without no reason or sort of any answere just decided to close down my account, without at least a notice. Now they closed down my account and they are holding my money that belongs to me and will not release it to me. fine if my account has been closed there should be no reason why I have to wait for any reason to have my money given back to me. This has been the worse experience I have ever had with a financial institution. It has made me feel like if I have commited a crime or if I was a criminal. Now I need to request for my money to be refunded back to me asap. I am a good citizen and have good credit and this what chase is doing to me not even the brach where my account was opened has never been seen or heard of. I need immediate action on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: The basis for my dispute is " Capital One Auto Finance '' Capital One Auto Finance was required to notify me prior to, or no later than 30 days after furnishing the negative information to credit bureau report XXXX XXXX XXXX, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. 

Also, Capital One Auto Finance failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Capital One Auto Finance is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation