vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have called several times over the past 2 years to get information from the National Credit Systems in XXXX GA who claim they are collecting a debt from an old apartment complex where I lived over 5 years ago. When I moved I did n't owe the company any money now this collection was just placed on my credit with any rights to validate or dispute I have sent several cease and desist letters and they have refused to respond or take the item off my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. Experian and XX/XX/XXXX continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXXr of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days

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 2017-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
i am struggling to get financing to go back to school, due to the fact that i have over 79k in loans that i am expected to pay back on a XXXX year salary. this is nearly imposisble for me as i am a father of XXXX and have no other source of income. when i went to XXXX i had no idea the cost of what college should be and now i have learned that the caliber of education i received does not equate to almost 100k, i wish to learn more about the CLAss action lawsuit against Navient that is being pursued by you. XXXX XXXX and XXXX forced me to believe there school was the only one to attend and they had the best education for my money, i was wrong and i continue to be stuck in a career pit as i can not afford a better education. please contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I initiated a wire transfer for {$12000.00} from my XXXX account over to CoinBase ( a digital currency exchange ). This wire transfer still has not hit my account in CoinBase and I have no access to my funds. I have actually successfully wired funds from the same XXXX account to the same CoinBase account in the past but for some reason, this wire is being held up on the CoinBase side. I followed all of the instructions CoinBase provides. This is exactly what it states on the CoinBase ( XXXX  ) page when setting up a wire transfer : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' My wire was submitted on XX/XX/XXXX at XXXX Est so it should have hit CoinBase the same day. I contacted XXXX and they show the transfer was completed on their side with no issues.I was provided this information from XXXX : Transaction number : XXXX and Fed reference number : XXXX As of XX/XX/XXXX at XXXX Est I still have no access to these funds. They are being held on the CoinBase side. I have tried to contact CoinBase numerous times. They have no phone number to call. On their website, the only option to contact them is by a web form. I have sent in a few requests on this web form. I have only received one generic response on XX/XX/XXXX that said this : " Thanks for contacting us, and sorry for the difficulty with your wire transfer. We are aware of an issue with incoming wires, and our engineers are working to resolve it as quickly as possible. We will follow up with you as soon as you we have an update. '' I have had no other responses from them. I have also sent them numerous private message on XXXX to their support department. They have not responded there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
First of all I do not have any bad credit. What I do have is several good accounts that is being held on my account for 10 or more years that are paid out and closed..I began asking question as to why they kept this on my record so long. I wrote several companies and ask them to remove it. I did not say it was wrong just wanted it removed. They would then put it on my credit that I filed a dispute, which I did not I just asked them to remove it. Since starting my inquiries my credit score as fell from XXXX to XXXX I can see this on my XXXX XXXX. XXXX told me they got the info from Experian Credit reporting company. I wrote experian for a explanation and they would only send me a new report they would not answer my question as to why it dropped. The issue Experian is keeping things on my Credit for 10 years even though it is closed and has never been late. I called XXXX and they told Me it was Experian that controlled that aspect of the report. I called your agency and your rep told Me that even disputes can not affect my Credit Score. Each statement I receive from XXXX show a drop of 5 to 10 point for several months.

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 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI is collecting from the original creditor, XXXX XXXX XXXX. AFNI is currently reporting on my credit report that the debt was opened in XX/XX/XXXX. I have disputed this with the credit bureaus multiple times. AFNI did not respond to my letter to validate said debt. 

The last time I had XXXX XXXX XXXX was in XX/XX/XXXX. I have no knowledge of this debt but if I did, the statute of limitations for Florida ( where I resided at the time I had an XXXX XXXX XXXX account ) is 5 years per F.S. 95.11. That being said, if I owed the debt in question, this debt would have been barred in XX/XX/XXXX. AFNI has previously received numerous complaints that the company re-aged debts as soon as they reached the statute of limitations. A reasonable person would concur that AFNI has re-aged a debt in this case, as again, if I owed the debt in question, it would be barred from collection practices as of XX/XX/XXXX. AFNI provided no debt validation for me to review. I have no knowledge of this debt. Please assist. 

Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit are sending these unprofessional people serve papers. When they do n't get there way they become obnoxious and rude. When we told this private and have a no trespassing sign they still ignore. When we told him to leave he holler out the window exposing our business in front of the entire neighborhood. Telling us hope midland credit sue us and take us for everything we have. My husband is XXXX and on a lot of medicine. After this he became very angry and agitated. These put look very unprofessional and always shows up on Sunday. We 've told them not to contact us because we have no original business with this company. I will be filing a lawsuit against these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has used a Third Party Company to obtain Tax Lien information from the local Court System. The Tax Lien showing on my Equifax Credit report in incorrect. The IRS has mixed my file with another person name of which they corrected. Equifax Credit Reporting Agency has refused to REMOVE this Tax Lien from my Credit report which is causing me serious damage. When I called Equifax Representative, I was information that they request this information using a Third Party. I informed them that this needs to be REMOVED because it is NOT correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bliksum, LLC
State: CA

Complaint narrative:
X/XX/17- I called the ( XXXX ) XXXX number to which it was answered " XXXX XXXX. '' I advised I was calling back to find out about a debt. I spoke with a male ( dont recall him identifying himself by name ). Advised him that I was calling about my debt and wanted to make arrangements. He asked how much I could pay and I said I could pay {$100.00} today and at least {$100.00} a month. Naturally, I advised I would pay more if I could- which I did NOT expect him to take my word for it, but wanted to mention it because I DO want to clear up my debt. He commented " that 's not how it works '' and put me on hold. He said they would not authorize that small of a payment and lectured me on fees and interest. I asked what they would accept and he said {$190.00} and some change with the first payment being in XX/XX/XXXX etc. I asked for it in WRITING and advised I would pay by mail to which he became very unprofessional and said that was not possible. I told him I wanted to make payments but I would not allow them access to my bank account for automatic payments as I 've had a bad experience with this in the past. He refused to send anything by mail- I have NOT received ANYTHING from Practice Financial by mail at all. I can not even find what appears to be the correct company on the internet. I called back and asked for a supervisor who was XXXX ( long last name that I could n't understand ) explained the situation and how unprofessional the first man was and he became just as unprofessional and rude. Again, would not allow by mail payments and questioned my debt paying practices and why I would get this loan if I ca n't pay it etc. I do n't appreciate being badgered. I have worked with the public since I was XXXX and I can not imagine talking to someone the way they talked to me- I was in tears by the end of the phone call. He kept mentioning that if we end the call, the company would litigate against me ... but would not accept my payments by mail ... therefore he was REFUSING to take money to pay on the debt and would not make any options for me to resume paying down my debt and taking care of it. By telling me " if we end this call, we will litigate against you '' I felt I had to stay on the phone and continue being harassed, humiliated, belittled and badgered and I finally could not take the abuse anymore- I ended the call with " See you in court. '' I have EVERY intention of repaying this debt- unfortunately circumstances did prevent me from taking care of it and allowing it to get this far. Everyone has a story, so I 'll save mine. But if I ca n't work with them, how can I repay? Abuse is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
I have been working with Sallie Mae on my current student loans and from XXXX of 2017 to current. They have received information from public records and have been harassing my ex-family members. They have not been authorized to use this information and it was not given to them by me or the co-signers on my loan. I believe they are taking private information of people I may know and using it without their knowledge. Sallie Mae is already under a class action lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
I had an annual paid satellite radio subscription with XXXX XXXX on my XXXX XXXX XXXX for the period XX/XX/XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident and my XXXX XXXX was totaled. On XX/XX/XXXX I spoke with XXXX and explained the situation and asked for my subscription to be SUSPENDED until I had purchased a new vehicle to re-activate and apply the remaining service months to my new vehicle. It was explained to me on that call that the service could be suspended for up to 5 months and I need to call before the 5 months ( no later than XX/XX/XXXX ) to reassign the subscription. On XX/XX/XXXX ( before the 5 month deadline ), I called XXXX and spoke to XXXX to have the service transferred to my new vehicle, XXXX XXXX XXXX. She assured me this would be taken care. Also note, the new XXXX XXXX that I purchased came with a free trial for XXXX that was scheduled to end on XX/XX/XXXX. So with the 6 month credit from the suspended service on the XXXX XXXX and the trial period on the XXXX I should have had XXXX XXXX XXXX through at least XX/XX/XXXX. Well sometime XX/XX/XXXX XXXX shutoff the satellite radio service to my XXXX and I contacted them through a live chat session. During this live chat, my XX/XX/XXXX call was confirmed about suspending service on the XXXX XXXX. Also during that chat, I was told a refund of {$77.00} would be sent to me right away for the unused service, but I never received a refund. So I never received the 6 month service I was due nor did I receive the promised refund check of {$77.00}. 

XXXX owes me at least 6 months of satellite radio or the refund check of {$77.00}. I certainly dont owe them any money. Now they have sent a balance notice to collections trying to collect {$50.00} from me??? They owe me a refund of {$77.00} or satellite radio service in my XXXX for the 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XX/XX/XXXX - Checking account opened online at BMO Harris Bank with bonus offer code " XXXX '' which is a {$200.00} offer if 2 direct deposits of at least {$300.00} are made during the first 90 days of account opening. Offer stated that bonus would be applied within 120 days of account opening. ( I have attached the original email with the bonus offer and terms. ) XX/XX/XXXX - Direct deposit # 1 of {$300.00} posted XX/XX/XXXX - Direct deposit # 2 of {$300.00} posted XX/XX/XXXX - Last activity ( ACH withdrawal ) on account. {$0.00} balance XX/XX/XXXX - The 120th day of account opening, bonus should have posted by now. {$0.00} balance XX/XX/XXXX - XX/XX/XXXX statement ( XX/XX/XXXX-XX/XX/XXXX ) made available online. No activity in the statement, {$0.00} balance XX/XX/XXXX - I call BMO Harris to ask about the bonus. Rep says the offer code was not applied properly to my account and she will send the case to marketing team to investigate. She suggests I put some activity on my account to avoid account closure from inactivity of over 45 days. This is the first I 've heard of an inactivity closure. I thus send a {$1.00} ACH deposit to my account for XX/XX/XXXX from my XXXX XXXX XXXX checking account. 
XX/XX/XXXX - Account is closed without my knowledge XX/XX/XXXX - I notice my account has the status of " Purged '' when I login online. I call BMO Harris and ask rep to investigate why the account was closed. 
XX/XX/XXXX - XXXX XXXX XXXX says the {$1.00} ACH has failed because the BMO account is showing up as closed. 
XX/XX/XXXX - I call BMO Harris. The first rep explains that BMO Harris marketing team rejected my request to honor the bonus because I did not satisfy the requirements. Marketing claims that the requirements were to have a " recurring deposit deposit for at least 90 days from account opening. '' Rep then explains the account was closed for inactivity of over 45 days. I ask to escalate the account closure issue and he says there is no recourse for this. I repeat this with another rep and she tells me the same thing. I am told nothing can be done over the phone since the account has been closed.

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 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with Ally Financial ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with Ally Financial and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found Ally fiinanical reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to Ally Financial disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with Ally Financial. I do n't know what else I can do, Please Help

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 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Worldwide Processing Group, LLC
State: IN

Complaint narrative:
I was contacted by this company, but they left no message. I then received a text from my brother who is a police officer and he stated that the company called him, looking for me. The company told him they were using " tracing efforts '' to find me. I lloked into the information and the number and I discovered many similair situations with other people having the same company call them. They apparently also go by the name XXXX XXXX. 

I am upset that they are calling relatives and also that they are not using legit information. I would like to never here from them unless its in email or mail form. No more contact to relatives, ever.

Company response to consumer: Closed with explanation