milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I wrote Experian in XX/XX/XXXX with concerns about errors on my credit report. They have failed to respond even though compelled by law!

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 09/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: My XXXX year old son has a sub-account under my Bluebird account. Because he is old enough, he tried several times to create his own master account under the Terms of American Express. 

XXXX2017- applied on line for American Express Bluebird pre-paid card and got message " unable to create account. '' XXXX2017- contacted Amex Bluebird by phone. Spoke with customer service who put us in touch with tech support. Tech support suggested that we try different phone and email address. We still were unable to create the account. 

X/XX/2017- later on- contacted Amex BB customer service. They were unable to give more tech support, but I held for quite a while for a supervisor. Supervisor, said that although I meet the qualifications, Amex would not issue a card. She gave no explanation, even though I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello, My name is XXXX XXXX, my address is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Tx. XXXX.My phone number is XXXX. I currently am trying to release my co-signer XXXX XXXX XXXX. My co-signer is my brother who is currently in the process of requesting loans for his daughter to begin her 1st semester of college. I was denied the ability to re-lease him according to something appearing in my credit report. I have 11 years of diligently paying my loans on time and holding a full time job.I submitted all the pay stubs necessary and the application. I have thoroughly checked my credit score and it is a XXXX. I have no derogatory claims open. I have called people in the co-signer release dept and none of the representatives were able to resolve my questions as to why i 'm being denied. Nobody could even direct me to a dept administrator to  challenge the judgement within Navient. I need my brother XXXX XXXX XXXX released by XXXX XXXX, 2017. My brother needed his credit freed up to apply on behalf of his daughter 's future education. I 'm asking for fairness to be applied to this scenario. I do n't believe I 'm being treated ethically. I believe the way i 'm being treated is illegal. I have completed the mandatory requirements as outlined in the application process. I have read that Navient is encountering lawsuits specifically with regards to this issue of co-signers being denied release. They explained my brother would be on the loan for the lifetime of the loan. Despite me legally abiding by their requirements. I really want to this issue resolved in an expeditious manner. I do n't want to seek legal avenues. I want to believe Navient is capable of doing the morally right action and releasing my brother XXXX XXXX XXXX. Can you please advocate on my behalf to get my brother released? 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Student loan (Private student loan) with Equitable Acceptance Corporation (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I received a phone call stating my loans would be forgiven with in 10 years for {$49.00} a month. It was stated that this organization was started by Barack Obama to help students relieve debt. They requested my FSA PIN and my loan providers information. At this point they created an email address for me and forwarded documentation for me to sign. I hung up and was immediately called back being bullied to continue working on this loan forgiveness. I read the agreement and was told on the phone to hurry this up because with in three days the plan would expire and I would not be allowed to continue with forgiveness of my loan. The gentleman on the phone signed all my paper work for me with my initials and then signed the document for me. I kept explaining that my address with in the form is wrong, most other facets of the form were wrong. He told me it didn't matter and please verbally agree to the loan. I did not. He did not respond and immediately said thank you and hung up. I called and no one answered or it was picked up and immediately hung up. At this point they did not contact me again, my loan service provider called to let me know my loan is now into income based repayment plan. I am now paying that company for contacting my loan service provider and not actually helping me with my loan. 

I have attempted to call them multiple times which has been met with a hang up. The emails are responded with friendliness but when I call to ask for a refund or cancel I am hung up on immediately. I attempted to stop the automatic payment, the website just has an " error '' on it. I attempted to call my loan service provider and found all my information had been changed, my address had been changed, my email and phone number were changed. 

Initial contact date XX/XX/XXXX Total amount to refinance {$1000.00}. I was told this would forgive my entire student loan amount. 
XX/XX/XXXX Requested {$90.00} to complete the process for loan forgiveness XX/XX/XXXX refinance is completed XX/XX/XXXX out of fear and wanting to get the loan down quick I paid {$120.00} XX/XX/XXXX pending {$49.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Consumer Loan (Installment loan) with American First Finance, Inc. (CA).
Issue: Managing the loan or lease

Complaint: my loan through  American first finance  who I did n't know was a long provider has not given me the contract is alone nor have they provided me account number axis to any of my nation I initially got them from the furniture store without even realizing who the buyer was going to be I just recall been approved for {$3000.00} I have since paid {$2400.00} into this loan and come to find out I owed {$3200.00} still because I 've only paid in interest which is right seems pretty illegal to do to me I have no information regarding this well at all I want to resolve this issue I want is taking off then I called in and asked for the pay off in my pale keeps increasing making it impossible for me to pay it off I need help resolving this issue and getting it off my credit report is settling this debt that I no longer care to have this is an unsecured debt according to my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Regional Acceptance Corporation that I opened in XXXX. I have been paying on this loan for more than 5 years giving them almost XXXX a month. The loan amount was {$16000.00} and they are telling me because of interest and late fees that I still owe them over {$10000.00}. As of last month, I have paid them a total of about {$22000.00}, so they are telling me that I have given them {$16000.00} in late fees and interest. When I purchased this car I felt like I was being pressured and plowed down by XXXX people in an office at XXXX XXXX in XXXX XXXX FL and they found this finance company for me. I am scared they are going to reposses my car which by the way was not even new it was a XXXX when I bought it and only worth about {$12000.00}. I have been struggling to pay for this car since the beginning and I have been taken advantage of to the extreme. I do n't want this on my credit so I continue to pay for it. I feel like I was open prey and that this is very very unfair practice. They have no reason to continue making me pay for this car. They already got the entire sum plus more! Please someone help me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt is old. It dropped off my credit report after 7 years on XX/XX/2015. In Alabama it is 3 years for statute of limitations and it has been XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease

Complaint: Traded in my BMW and we were given a 10 day payoff good through XXXX. Check was received by BMW on XXXX but they refuse to close my account and charging way more per diem after the already received the check on XXXX they wo n't even apply the check. This is clearly inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Shopping for a loan or lease

Complaint: Simply I want to buy a car from XXXX, and I signed a one form for them to run my credit, and before they do I asked them a direct question you will run my credit only once right, the agent answer and his manager confirmed yes once only for sure. 
Few weeks later, I found that all listed firms run my credit without my authorization, I did n't sign one form with any of listed below firms : 1 - Wells Fargo bank on XXXX - XXXX XXXX 2016 2 - XXXX on XXXX - XXXX XXXX 2016 3 - XXXX on XXXX - XXXX XXXX 2016 4 - XXXX on XXXX - XXXX XXXX 2016 5 - XXXX on XXXX - XXXX XXXX 2016 6 - XXXX on XXXX - XXXX XXXX 2016

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 07/29/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They keep making attempts to get ahold of me by different methods even though my debt is current with the original account holder. They call my personal number at least once a day and have called up to five times in one day. They have called family members even though I have never given them the right or even the information of that family member fishing for my information and saying that I am in default on a loan that is current. They call my job without permission and I have never given them the information for my work. They called my work number XXXX times in one day on a day that I was not working fishing for information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up 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 non-monetary relief
Consumer complaint received 12/31/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: APR or interest rate

Complaint: This is, in regards, to the unfair practices completed by Best Buy. When a customer makes a 6 months no interest purchase with Best Buy, it may sound like a good deal until ... .We made several payments on the purchase. As a matter of fact, we paid over the amount of the promotional purchase. This is what Best Buy financing company does unbeknownst to customers. They do n't apply the payments to the promotional purchase to reduce the interest or show the promotional purchase as paid off. When I called them about this, they stated, " I had to notify the finance company how I wanted the payments applied. '' My thoughts were I over paid the amount I owed for such purchase, but because there were other purchases on the account they stated the payments were made on those purchases instead of the promotional balance. This unethical practice cost me a lot of money in finance charges. Best Buy tries to purposely squeeze money out of consumers unexpectedly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Private student loan debt) with JPMORGAN CHASE & CO. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Ive requested that XXXX stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with XXXX XXXX XXXX If XXXX holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

XXXX XXXX bought and securitized student loans. These securitized notes were then sold to debt investors. XXXX XXXX then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

XXXX XXXX also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, XXXX does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by XXXX XXXX and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following XXXX/XXXX accounts removed from my credit report : XXXXChase Bank account number XXXX. 
XXXX/XXXX - account number XXXX. 
XXXX/XXXX - account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: On XXXX XXXX XXXX, I transferred XXXX bitcoin from Bittrex.com to Coinbase.com. While XXXX shows the transaction was completed and successfully sent, Coinbase does not show that any amount of this transaction was received, or even pending. There 's no evidence on Coinbase that any bitcoin was received at all. I have contacted Coinbase about this issue twice in the past, once via the online support on XXXX/XXXX/XXXX ( Case ID : XXXX ), then again through Coinbase 's telephone support on XXXX/XXXX/XXXX ( Case ID : XXXX ). These cases are still open on Coinbase and unresolved. I have been unable to gain access to my funds in nearly 3 weeks. 

Through XXXX I was able to find my Coinbase address to which I sent my Bitcoin, as well as the Transaction ID : Address : XXXX TxId : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received a letter from I.C. Systems on XXXX/XXXX/16. My bankruptcy was filed on XX/XX/2016 and discharged on XX/XX/2016. I called spoke with Rep at I.C. made them aware of the bankruptcy provide attorney name and number. Fast forward to XXXX/XXXX/16 I was preapproved for an XXXX from XXXX XXXX XXXX was due to pickup on XX/XX/XXXX. On that morning I received a credit update from XXXX XXXX making me aware my score had dropped by over XXXX points. It was I.C. Systems and XXXX XXXX XXXX. I called the company to see why this happened and although my account notes notated that I called to report the bankruptcy. They proceeded to attempt to collect the debt anyway. I lost the vehicle due to the damage done to 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 01/16/2016 about Credit card () with Synovus Bank (TX).
Issue: Billing disputes

Complaint: I had a credit card stolen and used to make a purchase at XXXX XXXX XXXX and several other locations. I immediately contacted my credit card company and reported it stolen - they cancelled the account and opened a new one, however, XXXX of the charges made by the person who stole my card was this XXXX XXXX XXXX charge. Apparently, XXXX disputed it and they allowed it to be re-billed to MY NEW ACCOUNT. 

They sent a letter asking me to sign and return via fax the them and I did, within the 10 day period - that charge is still being charged on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Communicated via certified letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX, XXXX XXXX XXXX ) provide debt verification and validation proving an alleged debt belongs to me. XXXX XXXX and XXXX XXXX XXXX have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX  f/k/a XXXX XXXX ( Account # XXXX ) belonged to me. 

XXXX XXXX XXXX, XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased. 

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115. 

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX, XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately. 

On XX/XX/XXXX, received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Asset Acceptance debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged XXXX XXXX XXXX credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

Asset insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from Asset Acceptance, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive Asset Acceptance phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Medical debt) with ARC Management Group, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Arc Management Group filed for collections on an account and or service that was not me or mine in the amount of $XXXX. When I found out about it years ago I called them and the credit reporting agencies to have this false debt removed. The credit reporting agencies refused to remove the erroneous debt basically stating that it was my debt till I could prove that it wasn't. Arc Management agreed to remove the inaccurate posting and it came off 2 of the credit reports but remained on XXXX. I contacted XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX and Convergent have failed to show me an application or contact that I signed for this bill. It does not belong to me. I want it deleted from the credit bureau 's

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