milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX transponder attached to the car my wife and I use failed to debit our account after my wife and/or I were driving on the XXXX express lanes, near XXXX., on XXXX XXXX, 2016. These express lanes are operated by a company called " XXXX XXXX ''. The charge for me ( or my wife ) using the express lanes on that occasion was {$4.00}. The company XXXX XXXX says that it sent us collection notices in XXXX and XXXX 2016. My wife and I do not recall having received them. ( If we had, we would have paid the small charge immediately ). I received written notice from a collection agency, Professional Account Management, LLC, seeking payment of {$100.00} in connection with the XXXX XXXX charge. No information is provided as to why a collection of {$100.00} is sought for a charge of {$4.00}. 

XXXX did not call me or my wife to let us know if the {$4.00} charge. Again, if they had, we would have paid it immediately. 

In my view, it is grossly unfair that a collection agency seek payment of over 2,300 % of the amount of the original charge, especially when the collection agency 's client could have made a simple phone call that would have resolved the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX, TX XXXX I was rebuilding my credit and opened 3 credit cards XXXX, XXXX, XXXX ( was XXXX ) but they changed into a XXXX. XXXX {$5000.00} $ XXXX XXXX $ XXXX XXXX the cards did what they were supposed to do, I repaired my credit by having 100 % on time payments. I paid of the cards with the CD 's established to secure them. I thought USAA was really a XXXX XXXX XXXX ( I am a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Veteran ) As long as the cards were Maxed Out and I was making the minimum payment everything was great and I got great customer service. However ; my credit being repaired I have 8 unsecured cards, the secured.cards were no long need. I knew they were paying only .50 ( half a percent ) interest on my CD securing the cards, and they were loaning my money out for 11 -17 % to members of the CU. And I knew they were charging me 11-17 % on my purchases and more on cash advances ( 35 % ). BUT WHEN I PAID THE CARDS OFF! That is when I found out USAA did not love me and were not altruistic. The beginning of the TWILIGHT ZONE! That is where the problems started. 1. I asked for my refund on my XXXX to be deposited into my Checking Account, causing me to have to drive 180 miles round trip to pick up a {$110.00} check. 2. I asked for my refund on my USAA Secured XXXX to be deposited into my Checking Account, causing me to have to drive to collect {$24.00} XXXX. I asked fo rmy refund on my other USAA Secured XXXX to be deposited into my Checking Account and they so far have refused to refund {$550.00} to date. Giving me many excuses why they can not release my REFUND???? THEY ARE RETALIATING AGAINST ME FOR ASKING FOR MY OWN MONEY! signed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I created an account with   XXXX   XXXX   and need to be paid {$100.00} and it not letting me deposit the money

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Medical) with KAHRS LAW OFFICES, PA (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have only information is what the original Balance is that they are charging XXXX annual interest fromXX/XX/2016 to now but wo n't turn turn calls or answer the.phone have trying to call them to pay off the debt but have to know the right amount now they are suing me I have to go to court on XX/XX/XXXX When I do call I get a voice message that the require info is full name ( I leave that ) the last XXXX of my ssn ( I leave the account number XXXX am paying off the debt or trying to ) place of employment ( I do n't think they need this info if I am paying off the debt ) phone number ( which I give plus the best time to get XXXX of me ) they say if the require info is n't left that the call will be put on the bottom of the her list to callback. I have tried to call at XXXX XXXX XXXX XXXX and several other differs times with no XXXX answering. This time I left a message to email me how much I owe they keep saying that they turn calls XXXX hours later

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: REFERENCE NUMBER XXXX COMPANY AGREED THIS WAS AN ACT OF FRAUD. IDENTITY THEFT. HAVE SUBMITTED POLICE REPORTS. YET IT 'S STILL ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: SLS has not provide me with statements or online access to my account information thus no printable info. I have faxed request # XXXX on XXXX XXXX XXXX for current information on all, that includes tax, insurance and the disbursement of my payments ( some of which I paid over the amount ) the principal, and the disbursement of the funds from the hardest hit recast loan. Fax # XXXX this morning. I called last month to ask what my payment was taxes and insurance had been included but, I had received a tax bill a couple of weeks ago which I never had before. I called and I have to go through multiple departments to get answers. I filed bankruptcy XXXX/XXXX/XXXX at that time they were not to contact me thus I could n't access my account. My bankruptcy was XXXX XXXX/XXXX/XXXX. So why ca n't I get a statement, online access of printable info. How was my money disbursed has yet to be answered. I received documents that were unacceptable and incomplete not providing the information I requested. I also received a letter from SLS last week stating it would take a month to get this request processed. 
Today I received an email from the insurance company they will be taking payments out of my account. I get 1 week notice on the change? I ca n't access my account online thus I can not print anything directly from them I have to do a screen copy, why? My computer is not the issue. 
I have made inquiries by phone and my XXXX request by fax this am. I am disable and I need to know where my limited income has to go, not last minute. I will be calling them along with the fax to find out my payment due for XXXX. I 'm KEEPING my HOME all I want is fair, complete, and accurate information regarding my mortgage. I was fortunate to get the assistance from the fund only to be blindsided by the mortgage holder. I have had too many of them but this is the worst to date. 
Please help me resolve this matter t keeps me up at night. 


Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on my credit report that is not mine. I looked that address up and it is in an upscale area with the homeowner having the same last name as mine. Also XXXX of the verification questions says I may have a opened a home loan and questions the home loan payment. I answered none of above and my online reports were denied. How do I get that address off my credit report which may be linked to the verification questions?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Yes, I am a XXXX American on XXXX I graduated college XX/XX/2015. I have not been able to find a job pertaining to the degree I earned at the University I attended. I can not make my monthly payment to Sallie Mae. I tell the agents my problems and the only thing they tell me is to pay a XXXX to defer loans for one month. I recently check my loan status with Sallie Mae the deferment is not placed on my account. I 've asked several times based on my issues for a reduction in my monthly payment or term extension. My interest rate keeps changing I told me rate for Sallie Mae is a fixed rate not a adjustable rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We recently applied for credit for our small business. We were declined with the explanation that XXXX XXXX card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/2017 due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show XXXX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to XXXX in XXXX of XX/XX/2017 which paid off the full balance. We have bank records to prove this. The XXXX account was closed, and we thought that was the end of the issue. We had no idea that XXXX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted XXXX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of XXXX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to XXXX. But, we don't feel XXXX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with XXXX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.

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 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
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: Dispute of {$1600.00} on my chase card was initiated by me on XX/XX/XXXX, for the charge that posted on XX/XX/XXXX. The merchant is XXXX XXXX XXXX XXXX  in XXXX XXXX, VA. I disputed it on the fact that services were not performed nor did I receive the services. After several months, Chase informed me in XX/XX/XXXX that they were siding with the merchant. The merchant has provided false information to Chase and I have provided proof that the information and answer by the merchant are lies/false. Chase refuses to understand even with proof that the merchant 's answer is fraudulent. The balance has remained which I will not and will NEVER pay any of this balance. Chase is allowing fraudulent activity by a merchant. There were never any services performed or received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a letter dated  XXXX / XXXX /  XXXX   that notifies me that there was a negative item added to my report.     On  XXXX / XXXX /  XXXX   I have attempted to contact Experian by both phone and their online system. Their online system is not willing to take my requests ( it is being rejected by the company ) and the phone system is not able to reach a human being in order to resolve the issue that I have currently.     Basically the company has designed a system that is so difficult to use that an average consumer would give up trying to dispute incorrect items on the 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 09/20/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, my student loan processor is Nelnet. All of my student loans are Department of Education loans and remain so. Since my graduation from graduate school XX/XX/XXXX, I have maintained my loans under a regular income-based repayment plan. This required recertification in that plan on an annual basis with updated income amounts. I met this duty XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. As it relates to this year, I reenrolled for income-based repayment on the Department of Education web page. I completed this update online before the deadline listed on both the Department of Education website and Nelnets website. I even have a screenshot of the deadline listed on the Nelnet website - XX/XX/XXXX. I note that I took the opportunity to take a screenshot of the deadline as every year in providing my updated information, I have add " difficulties '' in communicating with Nelnet. I have now received correspondence from Nelnet advising me that all of my student loan interest has capitalized. No information was given as to why my interest had capitalized. Upon completing a telephone call with Nelnet this evening, I was advised that I apparently did not make the deadline for providing my updated income-based repayment amounts. As such, not only has my interest capitalized but I have lost my regular income-based repayment plan and have been placed on a standard repayment plan spanning the course of 10 years and costing more than {$1000.00} in loan payments per month. I requested that Nelnet provide me with a written confirmation/explanation on why my loan interest capitalized. I was initially given a PO Box in XXXX Nebraska that I would have to write to to obtain such a confirmation. However, after further complaint, I was advised that Nelnets " correspondence team '' would try to send me correspondence in about five business days regarding why the interest capitalized. Upon further cooperative complaint, at the capitalization as well as losing the income-based repayment plan, personnel at Nelnet tried to get me to sign up on the spot for different plans which I had only their preliminary information to go off. 

I write for your assistance and returning me to my regular income-based repayment plan that I have persisted on for the last four years and hopefully to un-capitalize the interest they accrued. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was stolen in the hack of Equifax 's data stores. I confirmed that my data may have been affected on their site : https : XXXX. 

I submitted a credit watch and have looked at my credit report : no issues so far. It is messed up that a credit company does not have secure databases. ESPECIALLY when that database contains information that can mess up people 's lives for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX2016, I was admitted into the hospital. I was there for about 6 months. During that time, someone stole my identity and made charges to my debit card. The actual charges were reimbursed, but the fees were not. I called the company concerning my credit card ( platinum Visa ) because my debit card was so easily accessed and I was concerned about my credit card also being accessed. I asked what they would suggest. The customer service representative from card services told me my best option was to close everything because I was still in the hospital and would be for some time. So I agreed to close the card. There was nothing said about the cash rewards that I earned up to that point ; when I asked about them after getting out of the hospital, I was told that they were lost because the card had been closed. Later, I read in the bylaws that I should not have lost those rewards. In addition, since coming out of the hospital, I applied to reopen the credit card account and I was denied because they claim that the bylaws had been changed. They did not offer another card and I was also denied a new account even though I had paid all of my monthly bills in full and their own records show that I owed a {$0.00} balance when the card was closed. In addition, during the time that I was in the hospital, they charged late fees and other fees to my credit card, even though they were aware that I was in the hospital. For part of the time I was in the hospital I was in a XXXX and my counselor called them to inform them of where I was and that I was XXXX. After I regained XXXX, I asked my counselor to contact XXXX XXXX, the manager at the XXXX XXXX branch, and inform her of what was happening and ask that they ensure that all activities, including charges for fees, cease while I remained in the hospital and could not physically handle my business. After I got out of the hospital, I immediately began contacting the bank and discovered they had not done anything to be of assistance to me while I was hospitalized. In addition to that, their lack of compassion regarding these issues was inexcusable

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 12/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with RFNA, LP (KY).
Issue: Problem with the payoff process at the end of the loan

Complaint: XX/XX/XXXX obtain personal loan ( {$2200.00}? ) from XXXX XXXX in  XXXX, KY. They claim I have 7.5 payments left when I went into office in XX/XX/XXXX. This loan was for 24 months. Interest is high. I pay {$160.00} a month and originally went in office to find how much of each {$160.00} is going towards the principal. They claim they would have to calculate it as their computer only shows payments made. I calculate {$160.00} for 16 months is {$2600.00} paid in, but told pay off I would need another {$1200.00} as of XX/XX/XXXX. If I had paid it off that day would of totaled {$3800.00}. 24 months at {$160.00} would be {$3900.00}, so something funny there. I would save {$71.00} interest for paying off early!. 
With this loan life insurance and an auto club was added into as well. ( have viewed comments where this is a common thing they do ) I cancelled both, and was told {$39.00} put back to acct from life insurance and XXXX XXXX. sent me a check under {$200.00} refund. But that was " cash I used '' I was told so I have a suspicion this was additional money added to loan, Then, instead of remainder of policy being cancelled out, they just added refund as additional on top. Suspicions because I am unable to get anything from them. I sent an email to their main office, ( XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, LA XXXX ) but got an email back stating : Please expect correspondence from XXXX XXXX via certified mail to the address of record. Please let me know if I can assist you further. This was on XX/XX/XXXX. 

A note, never been late, always on time, as they take out of bank acct.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Hi, on XX/XX/2017 I went to withdraw cash from bank of America, I told them that I lost my debit card and them I was asked to provide ID, SSN & my Pin, well I did, while I was waiting for the teller to process my transaction, she kept looking at me for few minutes and then called her manager, who approached me with anger and asked me to have a sit and wait for here without any EXPLANATION for the reason, I started getting nervous and refused to give up my turn and just sit..after that she said that she will call the Police on me and get me escorted out..this is when I took my ID and left because I have my kids in the Car waiting for me with their mom.. I was treated like a thief or scammer even with all the proof I provided..also I was declined to get my OWN MONEY ... Manager name is : XXXX XXXX,. Adress is : XXXX, XXXX XXXX XXXX. XXXX, NY, 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 11-07-2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: Paypal issued me a credit account I did not want or need using deceptive and/or fraudulent practices. As I was using Paypal to make a purchase, the regular series of " clicks '' was changed to trick me into opening a Paypal Credit account. I have since called to cancel the account and pay the balance in full. However, I thought it important to file this complaint because, I fear, tens of thousands of consumers have been ( or will be ) tricked into opening a Paypal credit account.

Company response to consumer: Closed with explanation