milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Debt collection (Auto debt) with Automobile Acceptance Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I obtained a car loan through Automobile Acceptance Corp. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed. I had not taken possession of the car again after that time. On XX/XX/XXXX, Automobile acceptance reported to the credit agencies that the car was repossessed. ( Not sure why, maybe to extent the bad credit filing ) On XX/XX/XXXX Automobile Acceptance reported to credit agencies that I reopened the same account. On XX/XX/XXXX Automobile Acceptance reported to credit agencies that the car was repossessed. This leaving the account on my credit until XXXX. I have attempted to resolve this matter with Automobile Acceptance and the credit agencies with no avail. Automobile Acceptance continues to put fraudulent information on my credit report and refuses to correct their own error. I have only had one account with this company, which ended in XXXX upon them taking possession of the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I was trading with www.coinbase.com i have now stopped and would like to withdraw my funds but my bank account is still not verified even though i have completed the steps they have provided and i am unable to withdraw my funds still. This amounts to near 600 which for me is a lot of money. I have been trying to contact them through every means possible. Email Social media but they do not have any contact telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 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: I called Navient to change the date of a scheduled payment I make with autopay. The person I spoke to agreed to move my payment from XXXX to XX/XX/XXXX. 
As we were concluding the phone call, he asked me to call back after XX/XX/XXXX to switch it back for XX/XX/XXXX. I said that that was a waste of my time, and asked if they could just toggle it back after this month. He said that was n't possible. I asked to speak to his supervisor, as I wished to see if all of this could be handled in one call. He got defensive and said that was n't possible, that supervisors do n't take calls. I insisted on speaking to someone hire up. 
He put me on hold for forty minutes, and then told me he could n't find a supervisor. He also told me that he could no longer change the date of my payment, and that it would proceed on the original date! 
I asked if he could make the date change if I withdrew my request to talk to a supervisor. He said that he could. I pointed out that this was really unfair, that he was clearly trying to use my perfectly reasonable request - a request he had claimed to already have fulfilled at one juncture - as a bargaining chip to prevent me from speaking to his boss. I begged him to just put the date change through and volunteered to hang up without speaking to his boss if he did. He agreed. 
At this point I had wasted over an hour of my work day. My time is valuable, I have this loan to repay after all! 
When I called back later, I discovered he had n't even put in the date change! I also noted that I was able to get a supervisor in under five minutes on the callback.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: many credit companies that ware put in my credit report that ware never opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: went to XXXX in XXXX was pushed into loans wich i thought were loans i didnt have to pay back i attended for a couple months with substitute teachers not real ones wich i was paying for never graduated from dropped the the program now years later im in default because they took the money from theses loans when i never attened clsses for because i dropped out. so i owe them tons of money for a education i never got

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is a fraudulent account on my credit report, the XXXX XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity 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 05-09-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Application processing delay

Complaint: I opened this card under the assumption I would receive XXXX ThankYou points upon opening the card, with a spending requirement of {$0.00}. I 've called-in numerous times to hear these points would be awarded within 1 to 2 billing cycles. I just want these points so I can end this relationship with Citi.

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 02-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was XXXX I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

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 07/25/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple attempts per day. The phone will ring once and will hang up before I can answer. Wo n't identify themselves when I can answer. Wakefield has used unfair practices on a number of people I know. Including not honoring payments sent towards the actual debt!!! My wife for instance and a garnishment. I never get mail from Wakefield.

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 11/20/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: On XXXX XXXX, 2017, I was scammed out of {$670.00}. I called Regions bank to stop the transaction but they informed me that they couldnt stop it because it was still processing. I explained to them that I had been scammed but they still wouldnt stop the transaction. Since the following Saturday was a holiday the bank would be closed. I went to the bank on Monday and the transaction was still processing, so they told me to come back on Tuesday. After I made the disputed I waited about a week to call the bank ; only to find out that the claim had been denied. The reason for the denial was because the claim was not filed right. There was also an affidavit that I was suppose to sign that the customer service representative never told me about.

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 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I moved out of XXXX apartments on XXXX/XXXX/2015 on the day I moved I was told I owed XXXX dollars, so I paid it turned in my keys apartment was clean an empty gave them XXXX. Moved to XXXX XXXX homes, the lady who works in XXXX knows the lady at XXXX because she use to work at XXXX, all these people know each other. When my lease was about to end at XXXX I went to look for a new apartment. When I found XXXX I was told I had bee denied due to an adverse action from XXXX town homes, manageded by XXXX property management. I was baffled, so I immediately contacted them and they told me they could not help me because my account had been assignged to a collection agency. When I contacted the collection agency NCC XXXX, The first thing they do is make sure they have current information on you. The guy at the collection agency gave me an address for me in XXXX CA. This is where the initial deman letter went. First off I do n't feel I owe these people anything, however had I been notified about the situation in a timely manner I would have paid it to avoid it being on my credit because essentially this is an eviction. No apart ; ment will rent to you with this on your record. I was never notified about any charges and believe this apartment situaions like this you are supposed to see a judge, tnis is a judgement issue, I still would have paid it just to avoid the collection agency had I been notified about the degt. to this day I have never seen any type of paper work for this so called debt. I moved out of XXXX on XXXX and according the my credit report this was on my credit by XXXX barely 45 days. This was a personal vendetta by the XXXX apartment home because I put up a website about the shabby condition their, that is all this is about,

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CO).
Issue: Money was not available when promised

Complaint: I was owed money, and the person who needed to pay me offered to do so via PayPal. After looking at PayPal 's website, which promised, " Send friends, family, or customers your personal PayPal.Me link wherever you talk to them - text, email, or post. They click the link and enter the amount - no cash, no checks, no awkwardness. '' It promised fast, easy transfer. What it did n't say was that the funds would be held by PayPal for 21 days. Had I known that PayPal would sit on the money for XXXX WEEKS I would have asked for a check or cash. PayPal gives the sender the impression that money was delivered right away, and nothing could be a bigger lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other

Complaint: I purchased a XXXX XXXX XXXX Party tent XX/XX/2016. I did not put this up until late spring, as it was to used in the summer. Once up, it fell down 3-4 times, with the poles each time bending and basically getting to the point of being able to be unfixed. I contacted Walmart.com for assistance and was told XXXX different times, my card would be given a refund for this purchase while they contacted the company it was purchased through to allow me a " Simple '' solution to returning this, as I live in XXXX state and it needs to be shipped to XXXX. I was never given information on returning this and never had any idea I could not return this to a local store. After going over 5-6 weeks with no answer and no return, I called Walmart.com again asking for assistance. NOW, they transferred my complaint to the company this shipped from and I was told this was past the date of being able to be returned. I am LIVID! I was put on hold with no answer to this problem for over 2 months and now I get this?? My order number was XXXX and the purchase price was {$120.00} plus tax. I want this off my credit card and personally think I deserve more at this point, as I have been a loyal customer of Walmart for years.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OpenRoad Lending (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I put in a dispute about the inquiries on my report that is not me and no proof has been sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease

Complaint: My leased vehicle was involved in an accident and insurance company stated it was a total loss. The accident occurred within one week of turning in the vehicle at the end of the lease. The insurance company paid the finance company {$20000.00}. for the loss however per the lease agreement the payoff of the vehicle is {$19000.00}. It was explained to me that the finance company would refund the overage of payment however I was only refunded the last months payment, {$310.00}. When I contacted the finance company about the refund of the difference I was told that since they are the owner of the vehicle they get to keep any overage. I exclaimed that since the accident happened at the end of the lease I should have had the option to purchase the vehicle at the agreed price in the contract or the difference should have been refunded to me. Attached is the original lease agreement that should the predetermined purchase price and the insurance documents that shows the payout amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practic es Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a  small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX , Experia n &   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

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 03-08-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX reports to the credit bureau every so often and even though this account is past the 7 year limit it is still listed on my report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit reporting company score not calculated due to report of deceased status my father is deceased XXXX XXXX XXXX XXXX not XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2017 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I received notification that my credit score on XXXX and XXXX credit reports dropped 29 points! Due to a collection from Grant and Weber. This account was put on my credit report, I did not receive a notice or bill from Grant and Weber so I left them a message on their web portal asking why they put this on my credit report and received no call or response. On XX/XX/XXXX, I called Grant and Weber and was put on hold for a very long time and then got disconnected. On XX/XX/XXXX I sent Grant and Weber a letter requesting verification of debt from the original creditor. The letter was sent to them via certified mail and signed for by a person named XXXX tracking number XXXX XXXX XXXX XXXX XXXX and signed on XX/XX/XXXX.  Today is XX/XX/XXXX I have checked my credit report and the negative collection account remains on my credit reports negatively impacting my credit score. I have not received anything verifying this debt and do n't know what this is for. In my letter I asked to to verify the debt from the orginal creditor and to clean up my credit reports. I currenlty have a XXXX score with XXXX that I have worked very hard to maintain.

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 11-06-2015 about Credit card () with DISCOVER BANK (OH).
Issue: Customer service / Customer relations

Complaint: I was out on maternity leave. ( XXXX - XXXX ) I was coming up short on my payment, so I called before my bill was due. ( this is for the bill due XXXX ) I told them my situation, said I would be back on track by XXXX. They were awesome about it, explained there was no pay options available to me at the time, but offered me XXXX dollars in hardship money. Thats when I had someone from Discover hounding me about a payment and daily had to explain my situation. That when someone said you can stop the calls by setting up promise to pay ... XXXX long story short, apparently I felt obligated to set it up. I had every intention on getting right back on track. A DOUBLE payment was taken out the same week I said I could n't pay. I know I would have not authorized that payment!!! It over drafted my account and has been bad since! I asked to listen to the tape, they placed on hold, they listened to it, came back and said I had authorized it. I know in my heart I would not have, I did n't have the money! I asked to listen to the tape, they would not allow me. Is there a law that prevents customers to listen to their own recorded calls? There has been several contacts between the company and I. My history with the company has been excellent, until the reason events. Recently I have became very very upset! I 'm loosing my cool with this situation. ( Not my norm ) I made the comment that this can make people hurt themselves. They sent the cops to my house. Boarder line harassment. I just want to listen to my tapes, the dbl payment was not authorized by me! Thanks for your time in advance!

Company response to consumer: Closed with monetary relief