milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2017 about Debt collection (Medical debt) with PlusFour, Inc (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a bill from a doctor who claims I owe, I disagree. I am requesting an investigation with dates, charges, procedures, insurance notification and insurance charges both, and what this bill is for. I have not been sent a bill, therefore this needs to be cleared and off my credit report because it is causing my score to be lower than it should be, and also getting denied from creditors, plus the only collection on my report. 

Also, in the state of Arizona, where I reside, the statue of limitation is 5 yrs. and this has been on my credit report at least six ( 6 ) years or more. I have disputed this with the Credit Departments with no avail and in hopes you will help me out on this. All they have said is the consumer does not agree and wo n't remove it from my credit report. 

Your attention to this matter will be appreciated and hopefully successful. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took out a personal loan from XXXX XXXX XXXX and paid it off in full on XX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan inXX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.

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 09/15/2016 about Consumer Loan (Installment loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Taking out the loan or lease

Complaint: Good Day ... 
I noticed a review/law suit has been done with Toyota relating to minorities getting a higher charge. I was told when i bought my XXXX Rav4 in 2015 from XXXX Toyota in order for them to give me a loan i also had to purchase some other packages. I am a XXXX female and went to the dealership alone. I believe they took advantage of the situation. I already purchased a toyota corolla from them in the past as well. Would my account be reviewed for this lawsuit as well?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Cash advance

Complaint: My understanding is that, per the new laws enacted shortly after President Obama took office, credit companies were no longer permitted to apply payments in excess of the minimum balance to the lowest interest balances in favor of those w/ higher balances. In my case, today I contacted Synchrony Bank ( XXXX ) re : my Gap Visa from which I took a cash advance of {$1000.00} on XXXX/XXXX/16 and learned the following : I now have an overall balance of {$4000.00}, purchases are subject to an int rate of 25.24 % ; cash advances are subject to an int rate of 27.24 % HOWEVER even if i pay more than the minimum monthly payment ( ~ {$80.00} ) NONE of that additional payment can or will be applied to the cash advance balance until I have paid off the lower interest purchase balance IN FULL. Is this still allowed??

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I did a loan modification and it has been a nightmare every since. After the modification, the escrow account was not properly funded. They tried to increase my payment to XXXX per month when I am only supposed to pay XXXX. I have been trying to get this resolved since XX/XX/XXXX. The loss mitigation department, identified the issue, stated the issue was on the end of the money source and they would get it fixed. To date it has not been fixed and now they are reporting me late to all credit bureaus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Barclays bank is blocking my information to financial data apps. I can not add my Barclays credit card to XXXX

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 08/22/2016 about Student loan (Federal student loan servicing) with MOHELA (NH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX College in XXXX - XXXX. I was XXXX in a elevator accident in XXXX XXXX. Years later I got some of my senses back and tried to straighten out everything on my credit. Mohela was on it, I got calls every day, they told me to call another number that sent me paper work to forgive it for XXXX. I thought it was for loan and interest. I filled out the paperwork and sent it in and was denied because it did n't have a review date. I have XXXX and others. The XXXX and messed it up a little. I have been on XXXX since XXXX XXXX, XXXX since XXXX XXXX. XXXX was the business I was dealing with. I wanted to find out why the student loan was still on my credit for 9 years, Mohela answered because I was having late fees added each month. The school was closed for stealing student money. XXXX school would payoff my loan which most of it was not my pay off. Mohela told me to go through school closing, I was denied. I recently found out XXXX College closed and that is why my loan was not closed. 
I wanted to see where the figures came from that added up to the over XXXX student loan. I was given a copy of a master signed by me and a copy of all different charges that made no sense. I still ca n't tell where they came from. Right now my total is about XXXX. 
My figure is XXXX courses @ {$500.00} x XXXX = {$4500.00}. XXXX grant {$2000.00} deduct = {$2500.00} which should be my loan at most. 
I have a small XXXX check which is not even enough to get through each month. I do n't know where to go. I am stable with XXXX medications each day but still have bad days. Anything you can help me with I would appreciate. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Again and again TransUnion , LLC has purposely reported incorrect information on my credit report trying to ruin my credit score! This has been a long uphill battle with TransUnion , LLC and they are still not reporting things correctly! I have discussed these issues with TransUnion , LLC repeatedly only to be notified by TransUnion , LLC and their subsidiary XXXX that something else is being reported wrong! Here is the latest problem, on XX/XX/2017 i received notification from TransUnion , LLC and it 's subsidiary XXXX that my total reported account balance has increased by {$6000.00}. which effects my credit score! This is wrong! In fact my total account balance has decreased and decreases each update! TransUnion , LLC says it 's because the previous balance on all ( XXXX ) of my XXXX credit cards was {$0.00} and this is also incorrect! The first XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$1800.00} and the current balance is {$1800.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$3300.00} and the current balance is {$3200.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$970.00} and the current balance is {$910.00}. The total account increase of {$6000.00} is not right and needs to be removed!!! All of this has affected my credit score!! All of my points being removed while TransUnion , LLC constantly makes errors while reporting my accounts and balances need to be added back to my credit score! I want all of my points added back and the correct information reported! Please see supporting document that I 've uploaded for verification.. thank you!

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

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 01-11-2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (PA).
Issue: Making/receiving payments, sending money

Complaint: Reason for Contact : We used the CareCredit card to pay for a dentist appointment. We were told that we had to pay a monthly fee until we pay off the whole account. We did n't have a limit or anything like that. After we paid almost a XXXX dollars from the monthly fees, they charged us with an interest fee with a {$1.00}, XXXX when we were told there was no interest and all we had to do with was pay our monthly fee to pay it off. That 's unfair and an act of theft. I work hard for my money for them and I paid my monthly fees on time for them to try and do that.

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 03/13/2018 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: POLICE REPORT WAS DONE ON THIS FRAUDULENT ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Below is the complaint I just sent to Navient. 
" I recently came across an article written in the XXXX titled " The Accusations Against Navient '' and my issues is specifically in section # 3 " Handling Payments Incorrectly. '' I have had an issue with Navient regarding this issue and I would like something done about it. On XX/XX/XXXX, I started making payments on my loans. Since my Subsidized Loan ( current balance {$6300.00} ) is at 0 % interest thanks to the benefits of XXXX Military, I requested my mailed in check payments be allocated to my Unsubsidized loan ( current balance {$13000.00} at 5.75 % ). This was a painstaking experience because each time I had to call and spend a minimum of a half hour talking with a customer service agent to ensure my payments would be allocated solely to the Unsubsidized loan. Fortunately, after each phone call, I was able to get my payments allocated properly. However, starting on XX/XX/XXXX, Navient would no longer allocate my payments to just my Unsubsidized loans stating that I could not do that since it was a consolidated loan. After arguing for some time, I had enough with it and gave up. My question is why could I pay on my Unsubsidized loan only from XX/XX/XXXX, through XX/XX/XXXX, and then not be able to do so starting on XX/XX/XXXX? This is frustrating and I 'd like something done about this. My next step, if not handled properly, is to follow through with media sources and the consumer protection agencies. '' I have created a spreadsheet with all my payments proving my case that I would happily share with you. Thank you for your time and help with this very frustrating issue. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16 approx XXXX, I went to a PNC ATM XXXX XXXX ) inside of a convenience store. The store is located at XXXX XXXX XXXX, XXXX XXXX, PA. I attempted to withdraw {$260.00} from my checking account. I could hear the machine counting the money to dispense, but the door never opened and I never got my money. I stood there for a few minutes, then spoke with the cashier of the store. He stated that service technicians had been in several times that week to service the ATM because it was having issues. I filed a dispute with the bank and was given a provisional credit to my account. The credit was later reversed and they determined that my claim was invalid. They said that the money was dispensed. I filed a second dispute after the credit was reversed and was denied a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Hello, I was deceptively charged for a recurring service that I never signed up for, or was not made aware that I signed up for. 

I received ZERO communication via email, regular mail, or via phone from Experian that I had a recurring service from them and was being charged to my XXXX XXXX credit card. 

I had no access to the service either, as again, I never received ANY communication from them, so I never received a username and password or any instructions on how to access the recurring service. I, to this day, have not used the service they signed me up for, and since it 's just a website with a credit report on it, never received anything from them, nor did they incur any costs since nothing was ever delivered. 

I did, on a one time basis, access my credit report in XX/XX/XXXX, after the XXXX hack. That charge was for {$4.00}. I assume that they signed me up for the recurring service then, and deceptively did not CLEARLY state I was signing up for a service. 

I discovered the issue last year in XX/XX/XXXX when I reviewed my XXXX XXXX credit card statements and realized the recurring charges. I initially attempted to contact Experian, but could not reach them after being on hold over the phone for over an hour. So I then sent a dispute to XXXX XXXX XXXX. After several weeks ( was traveling to see family over XXXX ) with no response from XXXX XXXX, I contacted them again to dispute the charges. Yesterday, I finally received several emails from XXXX XXXX indicating that the charges would be rebilled to my account. 

I then contacted Experian again this morning by calling XXXX and was on hold for over 1 hour and 30 minutes ( I have a screenshot to prove it ) and was finally able to get a customer service agent on the phone. 

The customer service agent I spoke with is named 'XXXX ' on team 'XXXX ' within the customer service center. This agent said that they could not remove the charges. I then spoke with his manager 'XXXX ' (  agent # XXXX ) and she would not remove the charges either. 

The charges total {$170.00}. The charges occurred from XX/XX/XXXX - XX/XX/XXXX. Please see the attached screenshot of the charges from my online XXXX XXXX account.

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 07/17/2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX ( as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client XXXX and XXXX, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for XXXX and XXXX XXXX XXXX and XXXX ( as XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from. 

The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false. 

The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: Conn 's XXXX XXXX - they contacted me on XXXX/XXXX/2017, XXXX for a payment that was due on XXXX ( 4 days late ). I answered the phone, confirmed I was the accountholder and let the representative know I would send the payment out on my next paydate, the XXXX. I also stated that I only stayed on the phone because she introduced herself as if I knew her, but typically I would have told them to callback because I was at work. Once I found out she was a collector, I needed to hang-up but she knew what date I would be paying. 

They proceeded to call on XXXX multiple times at : XXXX ( I even answered and hung up when they said it was Conn 's calling again ) XXXX XXXX XXXX They called again on XXXX at XXXX CT and I answered and told the agent that I have already spoken to them, let them know I will pay on the XXXX and demanded to know why they are calling again because this is illegal to call over and over again, just because you did n't like my answer 2 days ago. The representative stated that they are calling because the agent did not put in a " Promise to Pay '' on Wednesday -- I said that is n't my problem. I told you the same thing I told her and what you do with it in your system does n't change that you ca n't keep calling even after I tell you when I will pay and this was illegal and I was going to file a CFPB complaint. She responded " Do what you have to do. ".

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other

Complaint: On XX/XX/2016 I purchased an airplane ticket for the amount of {$1900.00} with my CapitalOne credit card. In XX/XX/2016, I disputed {$500.00}, but the amount actually debited back to the merchant was {$1900.00}. The merchant contacted me immediately, and I explained that this should not happen, but they did send me a copy of the invoice sent from CapitalOne, which shows {$1900.00}. I asked the credit card company multiple times to tell me what it was debited to the merchant and how it can be resolved, but they were not willing to provide me with the actual information. After the merchant threatened to report this to collection company, because the case was resolved in my behalf for the amount of {$1900.00}, I paid the merchant again the amount of {$1900.00}. I asked multiple times CapitalOne to credit me the remaining of the amount of which they debited the merchant {$1400.00} ( {$1900.00} - {$500.00} ), but they refuse to do that. I am losing faith in receiving this amount ( {$1400.00} ), and that is why I am turning to the Consumer Financial Protection Bureau. After contacting the CFPB, the bank returned my money, just to bill me again on XX/XX/XXXX for the same amount with a pretext that I did not provide them with sufficient evidence to receive that return.

Company response to consumer: Closed with explanation