milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called Southern Management Systems in an attempt to pay off the debt that is listed on my credit report. I called the number listed, and spoke with an operator who took down my name and number and said that she would give it to the person who I need to talk to and they would contact me. The gentlemen then called me back and said that I owed {$1200.00} and that he would settle for XXXX % which was {$930.00} but would just make it an even {$900.00} and remove it from my credit report. I said ok, will you send me a letter or some sort of confirmation of this agreement stating that if I pay {$900.00} then you will remove it from my credit. He responded " No I will not do that. '' I asked how I am supposed to believe him or have proof that that is what he said and he kept saying that he wo n't do it and then proceeded to call me a " liar. '' I asked how I am a liar and he said I just lie and that 's what I do. I 'm not really sure what that had to do with anything at all, but I just asked for proof again and he said after I pay him he will. I said I wo n't pay you until you give me some sort of proof of agreement first and he then said he was going to hang up on me and he did. I just want to get this taken care of and I do n't know how else I can do that if they wo n't even accept my payment. It should be standard for someone to ask for a written agreement of some kind and he completely refused. I do n't feel comfortable paying {$900.00} and running the chance of him going back and saying he did n't say that and not removing it from my credit. I also need proof of payment for a new apartment that I am trying to get.

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 04/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I met XXXX XXXX in school. We were both attending XXXX XXXX XXXX XXXX and XXXX back in 2007. I was not aware of that I 'm a responsible person for both of her loans until now. She asked me to help her out and be only on her form as reference. She said that she will be paying for her loan and I have nothing to worried about. It was never explained to me that I would be liable for her payments. I was paying for my own school at that time and never missed any payments. I trusted her because she tried to be my best friend and I gave her my personal information such as social security number, address, employer and so on. It was a very big mistake. I defiantly misunderstand the whole process and did n't know that she was taking advantage of me because I was very limited in my XXXX and been recently moved from XXXX was not aware of all the loan responsibilities. She was not honest with me and she did filed multiple loans under my name without my permission. I never signed anything and never got any alerts or notifications from the loan company. Otherwise I would never done it. All I wanted just to help a friend to go trough school and get her education. We only had XXXX conversation about her school loan back in 2007 but after she got needed information from me she filed XXXX loans that I did n't authorized. I have t dispute these fraud activities because it 's effecting my life negatively and XXXX is not in contact with me any longer still taking advantage of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Enhanced Acquisitions, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, Enhanced and now XXXX. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and Enhanced have apparently abandon their attempts. The most recent attempt was made by XXXX. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.

Company response to consumer: Untimely response
Consumer complaint received 02/28/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is in regards to the prior complaint that i submitted with this company with you on XX/XX/2018.  The itemization that Wakefield responded back with does not match the balances that are being reported to the credit bureaus. How could you state that i owe something in which i never received service from this company nor have i ever received anything from them. The four accounts that are being reported are account # XXXX for {$950.00}, XXXX for {$680.00}, XXXX for {$650.00} and XXXX for {$890.00}. When this was first provided back on XX/XX/2018 neither of these accounts nor the balance were provided on the itemization! I honestly feel as if this is fraud.

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 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an account with XXXX above 3 years ago that I had terminated. Upon termination I had my account sent to collections stating I owed money. I spoke with XXXX and they verified I did not owe and sent me a refund check. 

Since then I have had XXXX different collection agencies show up on my report showing this account. Each time I dispute the account and then months later another account from a different agency pops up. This is becoming a huge pain and I am having to regularly check my report just to make sure another collection agency has not been added. 

Clearly that original account was sold to multiple agencies and XXXX refused to notify them so now I am being bombarded with collection attempts for a dept that was proven not mine. 

Below are the XXXX collection agencies ; XXXX, XXXX, I.C XXXX Systems.

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 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XX/XX/XXXX a fraudulent charge appeared on my Discover card from a company called XXXX XXXX WA for {$390.00}. I have not done business with this company before or since. Discover reversed the charge, originally from XX/XX/XXXX, but on XX/XX/XXXX, with no explanation, restored the charge. 

I called their main number at XXXX and spoke with a XXXX who claimed to be a supervisor. XXXX refused to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked, so my information is at risk. I think this is a gross misconduct, especially because they knew for a month without telling the public.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX 2015 I reported my Rushcard lost/stolen. I was sent out a replacement card on XXXX 2015. I called back on XXXX XXXX 2015 to expedite the shipping of the replacement, the representative charged XXXX for expedited shipping and XXXX for the replacement. I received the expedited card on XXXX XXXX, 2015. This was the day that Rushcard notified me that they were processing upgrades to the system that would be between XXXX pst-XXXX pst. Until til this day XXXX XXXX, 2015 it has not been resolved. I have n't been able to contact customer service to resolve my first and second issue. I was able to view my transactions online on XXXX XXXX, 2015 my money was debited out of my account by XXXX XXXX transfer from the card I originally reported stolen. I did not authorize these transactions at all. The card was suppose to be blocked and inactive. I am without my payroll monies and facing eviction and utility disconnection. I contacted XXXX XXXX via XXXX and he asked any of the affected customers to direct message their personal information. ( i.e home phone number, address, and name ) I did so on XXXX XXXX. He stated someone would be in contact with me but no one has contacted me. Its been 18 days of hardship for me. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Other

Complaint: How can a credit card provider refuse to accept payment online when the account is valid and has always had funds? 
Bank of America 's credit card system will not process my payment to balance because I " exceeded the amount of credit card payments [ I ] can make in a calendar month. '' I tried to pay my balance due of XXXX today due XXXX XXXX. I try to be responsible and pay when I receive funds either through reimbursement or when I receive my paycheck. The XXXX accounts I use for payment are long standing accounts that I use every month for payments. I had to call and electronically process a check drawn on the same account that I tried to use online. Between waiting period ( over 16 minutes ) and processing time, it took almost 25 minutes to pay my bill.

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 Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: TD BANK SENT ME OUT LETTERS TELLING ME I HAD 20 DAYS ... ... THEY CHARGED OFF MY ACCOUNT BEFORE THE 20 DAYS ... .THIS IS A BREACH OF COMMUNICATION ... ..I WENT INTO THE BRANCH ... XXXX XXXX XXXX A PERSONAL BANKER AT THE XXXX BRANCH IN XXXX MD LIED TO ME ... .SHE WAS SUPPOSE TO CREDIT MY ACCOUNT {$50.00} ... SHE DIDNT ... SHE WAS WAS SUPPOSE TO CONTACT THE TD BANK COLLECTION DEPARTMENT SHE DIDNT ... SHE LIED TO ME ... THERE PRACTICE AT THIS BANK ARE DECIEVING AND MANIPULATIVE.I WILL BE FILING A FEDERAL LAWSUIT IN US DISTRICT COURT THIS WEEK FOR XXXX XXXX DOLLARS ... I AM SUING FOR A BREACH COMMUNICATION, DECEPTION AND MANIPULATION ... I MAY ALSO FILE A XXXX XXXX DOLLAR CLASS ACTION LAWSUIT AGANIST TD BANK ... ..THIS CLASS ACTION LAWSUIT WILL BE ON BEHALF OFF ALL THE CUSTOMERS OF TD BANK WHO HAVE GONE THROUGH THIS INCONVIENCE ... ..MY ACCOUNT SHOULDNT BEEN CHARGED OFF ... .THEY SHOULD HAVE KEEP THEIR PROMISE TO ME AND THE ACCOUNT WOULD HAVE GOTTEN PAID OFF ... .I WOULD LIKE THE FEDERAL GOVERNMENT AND TD BANK TO PLEASE DO AN FORMAL INVESTIGATION ON THIS MOST IMPORTANT SERIOUS MATTER.THEY ARE IN VIOLATION OF SEVERAL FEDERAL BANKING XXXX ... .I AM ALSO SUING THIS IS A VIOLATION OF THE FAIR DEBT REPORTING ACT ... .I BELIEVE I WAS REPORTED TO CHEX SYSTEMS ... ..I AM A XXXX STUDENT ...

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is unwilling to work within my family budget to allow me to make affordable payments. When they make arrangements, they require them to be automatically deducted from my account. They ask what I can afford to pay and then always say they lowest payment they can take is at least {$50.00} more then that. They are so concerned with the interest collected on my non-federal loan, that they had not contacted me to pay my federal loan. I received notice that I was in default of my federal loan and had to quickly file for a consolidation with another company in order to bring my federal loans current. They are rude and unwillingly to meet customer financial needs during the repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I need specific information on how to get my loans discharged due to my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Payday loan, title loan, or personal loan (Title loan) with PIONEER CREDIT COMPANY, INC. (MS).
Issue: Loan payment wasn't credited to your account

Complaint: I would mail my money order in but the loan branch manager would hold it and tell me before she would credit my account I needed to bring in another payment. Which was confusing to me. I would call and cancel a verbal payment and they would put through the payment anyway in order for me not to have the account paid. They would keep changing staff and no one knew what was going on. I had an uncle XXXX in my family explained to them that I was in the middle of XXXX and as of today 's date no one would work with me due to the devastating loss. I tried to get my account current but with no assistance from management. They continue to change staff and no one is ever available to keep proper records nor work with their clients as they should. Management is deliberately putting accounts in default in order to ruin clients that have been paying customers for years. I have had several accounts with this company and they have worked with me in the past but when they changed staff no one seemed to care about the customer and continue to run payments when they wanted and not when they were to hold payments as agreed they continued not to assist causing customers to be frustrated always. The company has been a very good company in the past but as they changed staff things became more of a problem when trying to resolve things.

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 06-11-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Got best buy credit card, witch I did not signup for. Somebody charge XXXX dallors on it before it was even activated.

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 01/25/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am refinancing my mortgage. A payoff demand was sent to the current mortgage servicing company on XXXX/XXXX/16. They issued an inaccurate payoff, because when they took over servicing of this mortgage they mistakenly created the account as a daily simple interest rate loan, instead of a 30-year fully amortized mortgage. Repeated efforts to get them to correct their error and issue an accurate payoff have failed, and my refinance can not proceed without an accurate payoff. Please note : This mortgage and another mortgage on a different property closed at the same time with the same originator on identical Notes except for the principal amount and interest rate. The same firm is now servicing both mortgages, but they got XXXX wrong ( as a daily simple interest loan ) and the other XXXX right ( as a 30-year fully amortized mortgage ).

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Tax lien did not meet the standards implemented on XXXX/XXXX/XXXX but Equifax refused to delete the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (OK).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX I was in a wreck in my Nissan truck. It was a total loss, XXXX and XXXX paid Nissan Motor Acceptance Corporation in full. XX/XX/XXXX I received a certified PIF. Email, letter and verbal confirmation from XXXX with Nissan stating that, " Thank you for financing your vehicle through Nissan Motor Acceptance Corporation and our participating dealer. This letter certifies that your vehicle is paid-in-full and the lien has been satisfied as of XX/XX/XXXX. 
Thank you for your past patronage and we look forward to assisting you with your financing needs in the future. if you have any questions, or if we can be of further assistance, please feel free to contact our office at XXXX. We are available to assist you from XXXX central time, XXXX through XXXX. 
Sincerely, Consumer Communications Nissan Motor Acceptance Corporation Customer Center XXXX '' I am now in the end stages of closing on a home and Nissan is reporting to the credit bureau that there is a balance owed on the account. After months of trying to get it resolved they will only keep me on hold indefinitely or hang up on me. I have sent them copy 's of the email and letters they sent me with the issue still not being resolved. 
I am XXXX from being wounded in XXXX while in the XXXX, this delay on my home is literally killing me because I have XXXX that are worsening due to my living conditions. I need help resolving this and am not getting a solution from Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Student loan (Private student loan) with MOHELA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The loan servicer, MOHELA, constantly calculates the incorrect payment amount when the interest rate resets on my variable student loan. MOHELA 's payment calculation fails to account for pending monthly payments, thus using a higher loan balance in the calculation, resulting in a higher monthly loan payment. MOHELA always recalculates the loan payment amount on the day that my monthly payment is made, so there is always a pending payment when the calculation takes place. I provided electronic correspondence to MOHELA months ago, informing the company of this issue and have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Payday loan) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this said debt and I would like it removed as it is reporting to credit bureau as an open account and negatively affecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX charged off an account of mine in XX/XX/XXXX. There were payments still being made. I had been under the impression that the balance was actually paid off. No communications from barclays until XX/XX/XXXX when doing a background check for employment. Found the balance double the limit. XXXX has told they tried to contact me for a brief time, ultimately it was not their responsibility and that they sold it off to a debt collection agency ( this was told to me by a member of the office of the president ). I never had such an account on my report, no such company has ever tried to contact me. The balance has been paid in full. I have asked barclays to present post dated proof, where they have attempted to contact me. I do not trust what they log in their system. That can always be altered. I want physical, post dated proof, because I was not contacted for a period of three years. Further, they charged off an account which was still being paid, I have confirmation of payment emails still in my inbox. 

I demand that this trade line be removed from my experian 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 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account DetailsLast Reported XX/XX/XXXXCollection Agency XXXX XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXXStatus ClosedOpened Date XX/XX/XXXXClosed Date -ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarks Paid collectionThis Medical balance was paid in full as of XX/XX/XXXX and I would like it removed from the collections category.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other

Complaint: Citibank refuses to provide equal access to services for XXXX customers who do not use TTY services. I was unable to register for an online account for my Citibank Thank You card, in order to pay it directly, and requested assistance via their advertised XXXX account. I had the card in my possession, as well as all other information necessary to open an account. Despite using DM XXXX Direct Messaging ) which is secure, the representative refused to assist, and told me that the only available way they would assist me is TTY, voice telephone, or physically going to the bank. I asked for a supervisor many times and was denied, and eventually ignored. I wasted over an hour of my time trying to get assistance from Citibank. The amount listed below for lost money is my hourly billable rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation