milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2016 about Debt collection (Credit card) with Smith Debnam Narron Drake Saintsing & Myers LLP (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was attempting to settle a debt with Smith Debnam. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about XXXX weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called Smith Debnam to get a payoff. Smith Debnam then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan went into default 2 years ago. It was placed with a collection agency. I paid {$340.00} a month for 9 months-that was the agreement to get out of the loan rehabilitation program. On the 9th month they claimed I had failed to make a payment ( which is not true-because my payments were all direct payment from my checking account ) When I inquired they then said my paper work was n't complete so I failed the rehabilitation program. My loan was given to another collection agency. They called me and put me in another loan rehab program around the XXXX I recieved a letter from a completely different collection agency Navient that said I was XXXX payments late ( which is not the case because I had direct payment from my checking account ) Now it 's going on 3 years and Navient is the XXXX collection agency offering me a loan rehab program. I just want to pay off my loan and they are determined to sink me deeper while they collect fees. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Bank of America stated I misused there account. There is no proof of that I was still trying to get my balance caught up and simply fell on hard times. Now that I am back on my feet due to lack of respect and discrimination I can not get a bank account. I would like proof of the alleged allegations. I never intended for the bank account to get closed my fianc a the time tried to send money to account and to no prevail succeeded. I tried to open a new account with regions only to find out Bank of America contacted early warning signs to put a alert out for me. I feel like I was profiled discriminated against and never was warren about the account being 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 explanation
Consumer complaint received 06/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Settlement process and costs

Complaint: Wells Fargo Bank is pursuing a foreclosure on a property that has attached Ohio dower rights to it, that have not yet been applied. Moreover, signed affidavits prove several layers of " robo signing '' with non existent notary public 's and fraudulent conveyance history existing over the life of the mortgage loan. The husband in this matter filed a chapter XXXX bankruptcy and abandoned any connection to the property, while the wife is left to pursue her rights, as she is a victim of an earlier crime caused by the husband, which led this case into foreclosure to begin with. The Attorney General 's Office indicated the need to contact the Office of the Comptroller of Currency who said they have alerted your offices to this matter. This complaint is being made to validate their concern on this particular case and to bring overall resolve to this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: I did a mobile deposit as I have done for 10 months, they are holding all funds for 2 days. I have always had {$200.00} available immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: 18 month no interest to purchase a bed statement said minimum of {$60.00} plus change Ipaid {$70.00} per month. I just paid the {$70.00} every month expecting to pay off the loan a little quicker. paid attention to XXXX bill and it had charged me interest tnen i saw my debt back over {$1000.00} I called they said my months were up and i still owed $ $ $ i hadnt paid so all of the interest was now charged

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 04/21/2016 about Payday loan () with GVA Holdings, LLC (MI).
Issue: Received a loan I didn't apply for

Complaint: XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; North Star Finance for {$400.00} ; and XXXX for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

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 08/21/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Deposits and withdrawals

Complaint: PNC allowed several very fraudulent transactions to occur on my checking account. This includes a check where the payee was whited out, a new payee written, and my initials forged next to the whiteout in a state I no longer resided in. This also includes a telephone ACH payment from a state I no longer reside in. Over the last two weeks, I have been in contact with PNC nearly every day ( either in person, by chat, by email, or by phone ) and they have done nothing to resolve the fraud and get me my money back. I have not been contacted by letter like they have said they would, or by phone, or by email. I have no way of even verifying that they disputed the charges at all. Worse, they put a freeze on my bank account without my consent ( or even informing me ), so despite having thousands of dollars in their bank, my available balance reads {$0.00}. My paycheck got direct deposited into the frozen account and got XXXX out with the rest of my money, and they refuse to allow me access to it, claiming it 's " for my protection ''. They wo n't allow me to access any of my money until the fraud is resolved, but they 're not taking any steps to resolve the fraud, leaving me unable to pay rent, buy food, or pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted by Gulf Coast Collection Bureau , Inc. of XXXX, FL about XXXX alleged medical debts I 'owe '. 

I have requested verification and all I received was the same 'bill ' they keep on sending me ( both before & after verification request ). They have not and can not verify the debt as I DO NOT OWE it. 

I have not been to the company they are saying I owe. I need help getting this collection company off my back and to delete all the collections they have placed on all XXXX national credit bureaus. They are illegally hurting my credit and it must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am on the REPAYE program but my servicer, NELNET, has formulated it so that the first 12 months are {$220.00} and then my payments balloon to {$650.00} a month until it is paid off, no matter my income. I can not afford this. And the only other options that allow me to pay less are NELNET 's program, which will incur a larger amount paid in interest over the life of the loan. 

The REPAYE program is quoted to be 20 years for XXXX loans, but NELNET has told me that my payments do n't take 20 years and can not explain why I 've been put on this particular schedule. 

Further, they will not give me a spreadsheet that itemizes my payments, interest vs principle payments, and note the interest paid by the Dept of Edu by way of the REPAYE plan 's feature.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After receiving a notice about a debt, I requested validation. I was sent a computer print out of a letter written by this collection agency claiming the debt ( a computer print out is not validation. ) I was also sent statements that no where does it say that it was sold or transferred and it just shows my payments and dates. I requested validation per my consumer rights, and this company failed to obliged and went against the Fair debt practice act violating my rights. 
Amount : {$1100.00} Reference 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 09-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i had called the creditor to pay in full but wanted debt verified, they stated on the phone they already mailed me and the mail was returned. i told them they had the wrong adress on file and they stated oh well too bad we already sent you letters. if they can not verify the debt when i asked in a timely manner then how can they still say its mine. i also dont beleive the balance is correct and have asked for the balance break down and they can not supply me with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Started dispute with Equifax on XXXX/XXXX/2017, was received and updated to pending status same date on the website. Confirmation number is XXXX. Had an estimated date of completion XXXX/XXXX/2017. As of today, XXXX/XXXX/2017, it is still listed as pending. I am waiting to buy a house, and do n't see any other way of contacting them to get them to move on this other than submit a new dispute, which would then drag this out. As far as I am aware, if it has been 30 days and no response, they are supposed to remove the disputed credit information. Thank you for any help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me sinceXX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed inXX/XX/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 06/30/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: I tried to make a purchase, my card was declined when I called I was told that my card was charged for the purchase and charged several times for the purchase and they refused to refund the money, they also refused to check all previous transactions to check if they have charged me several times on other transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MO).
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: In late XX/XX/XXXX ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in XX/XX/XXXX. They were able to defer my loan and I would be all set. Come XX/XX/XXXX I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with Fed Loan Servicing ( who manages the loan for Dept. of Education ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: SageStream LLC evidently does n't now know and report, even after my telling them, what every other reporting agency has known sinceXX/XX/XXXX2016. That 's when my disagreement with XXXX XXXX XXXX was finally settled and the judgement, which never should have been processed, was removed.
Yet SageStream LLC persists in damaging my credit rating nearly a year and a half later. I was just denied a loan because of them.
My score with XXXX is appro
x XXXX. SageStream appears to suffer more than a lack
of due diligence. They seem unwilling or unable to function as they 've been authorized to function.
Please do a web search to find numerous similar complaints.
I 'm asking that their licence to practice their profession be reviewed. It 's a systemic problem. I 'm told that " most credit card applications are checked th
ru SageStream LLC. so they are positioned to do a lot of damage to customers. Every legitimate entry that has been on my record have been medical bill that the VA Choice progra
m eventually pays.

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 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had an account with XXXX XXXX for {$470.00}. It defaulted. It was sold to XXXX XXXX XXXX. Both are reported as separate or duplicate debts. Experian says they will not investigate it further ( Mail Dispute ). XXXX XXXX states they do not own the debt. I called to have one of them removed from my report and spoke to XXXX today at Experian. He states Experian has the right to double, triple or more report the same data as it also contains payment history and none of it will be removed. I enclosed the one for XXXX XXXX XXXX and another one exists if you need it that is separate for XXXX 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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number 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 non-monetary relief
Consumer complaint received 04-12-2017 about Money transfers (Domestic (US) money transfer) with Alliance Data Card Services (CA).
Issue: Other service issues

Complaint: my issue is with paypal credit. 1 ) I do not get updated of when my payment is due just an update of an amount higher than I owe because they have tacked on additional fees without notice. 2 ) they have changed their system and if I use my app there is only one payment option and it forces you to pay the whole amount. 3 ) when I call customer service the response is that they ca n't do anything about the mistake until its posted

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunions customer service would not help and take care of the negative inquiries reporting to your credit report that were not submitted with my approval or permissions. Unauthorized inquiries : XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 10-07-2015 about Debt collection (I do not know) with High Point Asset Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They keep calling and refuse to send a debt verification letter and I have not received one. There calls use terms that imply legal action

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit card protection / Debt protection

Complaint: I went to a XXXX Department Store in XXXX, Pa. I gave the clerk a XXXX XXXX for payment. Clerk seemed to process it but asked if I wanted to earn points for future purchases.I said it said I do n't come often but ok as long as it is not credit card since I have college loans at variable rate interest and dont want to ruin my XXXX score. She went into computer and handed me the reciept which I figured was charged to the XXXX card. over a month later I got a bill from a XXXX Rewards. Here I caught on that I was scammed at the clerk table. with a BAIT AND SWITCH like XXXX XXXX and XXXX bank pulls off telling you it is only a rewards card not a credit card but illegally proocesses a unrequested credit card application. The XXXX card submitted to pay earnd points at XXXX and in a subsequent call to XXXX they agreed to send me a Marshalls bill, take things off their card and cancel it and I would pay the Marshalls bill with the XXXX card that I was scammed out of using thus losing VALUABLE XXXX rewards AND getting a XXXX card I did not want with predatory interest rates and fees. However they failed to do so and instead sent a letter asking me to send them proof i paid with XXXX. It was very clear in phone conversation they SHOULD HAVE PROCESSED XXXX BUT SCAMMED ME, ISSUED THEIR CARD AND CHARGED THEIR HIGH INTEREST CARD.

Company response to consumer: Closed with explanation