milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Billing disputes

Complaint: I lost my job last XXXX so I was unable to make payments on my Discover card. Several months later I was working a temporary job and Discover contacted me. I made several {$120.00} a month payments so my account would not go to collections. I was told after my 3 months of payments that I would go back to a once a month minimum payment. They told me that I would need to set it up on my own online. I asked are you sure you just ca n't take it out now and they said no we can not do that you have to go online and set it up yourself. Well on the XXXX month like clockwork I notice of withdrawal from my checking account of {$75.00} that I did not authorize through Discover. I quickly called Discover and explain to them that they should have not happen at this is their fault and they told me otherwise. They told me that it does come out of your account without you setting it up automatically which was the opposite of what I was told. I explained to her that I just wrote a check for rent which is all the money I have in my bank account and now that 's going to overdraft. She felt very bad and called my bank and told them if they could stop it but they could not as I could not bounce my rent check or I would be charged {$300.00} in late fees by my landlord. I was also told that of my account with overdraft that they would take care of it. What they did was they added {$55.00} to my Discover account but because I 'm overdue my limit I ca n't do anything with that money because I 'm overdue on my card. Every time I call them to ask for help they can not help me they say that they added money to my account which I need this money to get to and from work for gas and they do n't seem to care. I honestly do n't know what to do because every time I call they act like I 'm a criminal. All I tried to do was a good person and pay back my credit and I feel like I just got XXXX over. {$75.00} is a lot of money coming for me just described above months to get by to get caught up and they came and put {$34.00} back in my bank account for a mistake that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Student loan (Non-federal student loan) with ACS Education Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated college in 1999 and was a XXXX who did not make enough to pay the bill. I have since changed careers and make enough to pay the minimum payment but my balance is not going down. My loan has doubled in size. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone illegally opened a account with XXXX and even though I reported illegal, they turned it over to Pinnacle LLC who for over 5 years refuse to remove from my credit Reports, also everytime I ask for validation of this account, they just renew it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've had so many issues with Navient : Taking money from my account ( in amounts of XXXX, leaving me XXXX in the hole!! ), lying, threatening me on the phone, suggesting I become a XXXX or XXXX to assist in paying my student loans. They play games and I have to obsessively monitor my account for errors to the point where I have have XXXX regarding these loans. Just this morning, I check my bank account like I usually do in the XXXX because of Navient 's game, and my XXXX payment was put back into my account with no explaination or response from Navient. There is no documentation I made the payment or was refunded. So now I am at risk of losing my special payment plan because of their errors. 
I also requested they mail me every single statement from the last ten years ( my borrowing time frame ) and after a month and a half later, I received statements dated from XXXX with XXXX missing. The errors I am questioning have occurred from XXXX ( the statements missing ). 

I 've made complaints before and e-mailed politicians and lawyers on this company, and since then I have had these questionable issues happen with my account! 

Attached you will see a screenshot of my bank account from XX/XX/XXXX, with a bunch of unauthorized transactions totaling {$40000.00} that were attributed to a " XXXX dial '' of a payment. Which is false, because you can not process a payment of more thn {$10000.00} online you need to call! 

Please please fine this company. They are ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Payday loan () with CASHCALL, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: my wife and i took out  XXXX  catcall loans for {$2500.00} each during the  XXXX  of  XXXX  or   XXXX   when we missed payments they wanted everything in full with huge interest attached. we could not pay they called and harassed and sent letters about a year ago they gave the accounts or sold not sure to an attorney in los angeles now they want over {$30000.00} dollars in interest and they have put judgments on us for this. i do not feel like these dollar amounts are legitimate and have been reading articles that catcall was over charging customers with interest and had lost a lawsuit the attorney who has or works with catcall is  XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  CA  XXXX   XXXX  also cash call should have the records my name is  XXXX   XXXX  and my wife is  XXXX   XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have had several id theft issues over the last two years, and have been the victim of data breeches. I was alerted by my credit monitoring service that XXXX, an internet lender that is not allowed to lend in my state was negatively reporting on my credit. I purchased a copy of my XXXX in XXXX report form the credit monitoring service, so that I could see exactly what was being reported and for how much. It was reported on my TransUnion report only. 
I was advised to dispute the XXXX reporting on my credit report from TransUnion, so I did by sending a letter with all of the proof that it was a void loan to begin with, asking for it to be removed. I received a letter from TransUnion in response saying that they needed more time to consider my request to remove the negative report by XXXX, but that in the mean time, the address I used for myself was n't consistent with their records. So I tried to log into the TransUnion site, as I had with the other XXXX credit bureaus, and I had had a TransUnion account from before, so I thought it would be easier to fix from there. I had trouble logging into the site, even though I had had an account with them from years prior, and so I wrote a response letter to TransUnion. In the letter I provided additional items to prove that I was who I said I was, and to prove my address, where I have lived for 20 years, was my correct address. 
I included my driver 's license, my my ID card from work, and my voter registration card, which had my address. 
I received a letter response from Tran Union saying that it could not change my address at this time. 
The difference between the address that they had on file and my actual address is that Trans Union says I live at the same street number, city, state, and zip code, but they also add and apartment number/letter. I have lived in this house for over 20 years now, and it has never had an apartment number associated with it. I work for the U.S. Postal Service, and I have never had anything addressed to me except by TransUnion that includes an apartment number. 
I want TransUnion to correct my address, and acknowledge that the additional apartment number is wrong. I want to be able to order a report directly from them, instead of going through my monitoring service and paying to get copies of my credit report. The strange thing is that the monitoring service through my bank has my correct address, and they are able to get a report, but I can not get one on my own or through annualcreditreport.com. I just want it fixed so that I can.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I send out a dispute letter with Equifax which the received on XX/XX/2017 and I never received anything back of their investigation. I sent them a Letter to inform them that I was sending them a copy of my letter and they are not in accordance with the 1629e ( 8 ) of the dept collection practice act. I also sent out letters to XXXX and XXXX and received an investigation response but nothing from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been unable to obtain an Experian score and I 've contacted them twice and have been told I have a score yet I ca n't pull it up?!

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 07/26/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I wrote a letter to this company to formally request a debt validation documents sent to me last XXXX XXXX, 2017. I have copies of the certified mail receipt so, they can not deny that there has not been any request made on that date. Up to now, I have n't received anything from this company which violates both FCRA and FDCPA. It has been more than 15 days since they got the verification/validation request and they did not even bother to respond. If this will still not be resolved, I am willing to get my legal counsel involved in legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I purchased internet and TV services from XXXX XXXX XXXX. After a series of problems, and incorrect charges I decided to end the service with them and completely cancel. The connection to the services at home was never done. For this reason i continue to get charged and now have Sunrise Credit Services trying to collect the debt. I have made over 30 calls to XXXX XXXX XXXX and spoken with many managers. They have all said they have resolved the issue but still continue to get charged for the service they did not render. I continuously call XXXX XXXX XXXX representatives to get it fixed but still have not had any resolve. As a result my credit score can be affected. XXXX XXXX XXXX has claimed that it is an error that they committed but I still continue to have this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Closing/Cancelling account

Complaint: I signed up for a XXXX Secured account ( paid {$300.00} ) but was n't made aware of the {$35.00} annual fee so when I got the 1st bill, I called the bank rep who sold me this product and cancelled the card because I NEVER sign up for cards w/annual fees. I did charge {$58.00} so I asked for my {$240.00} in writing on XX/XX/2015 and have yet so receive it even after attorney letters went to them. They did send XXXX cks ; XXXX for {$120.00} and the other {$55.00} but those cks add up to {$170.00} and were not cashed. So where is my full {$240.00}?

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 06/21/2016 about Debt collection (I do not know) with Continental Credit Control (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my debt, if it was I would have paid it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: XX/XX/XXXX : cash deposit made of {$9900.00} in coins and bills.

XX/XX/XXXX : issue found on deposit amount and changed 1 of 2 times. Other change made on XX/XX/XXXX.

I have reciept stating cash deposit of {$9900.00} and another deposit stating {$9200.00} from same day. Both are over deposit bank is saying is actually placed.

Why does the deposit slip state a different amount than the transaction amount? Also, this is greater than the amount which was changed to.

When issue with transaction was discovered on XX/XX/XXXX how was this believed to be from transaction made on XX/XX/XXXX? Why did it take so long for issue to be discovered and processed?

If error was found prior why such a long difference in processing a cash transaction?

teller put transaction through bill counting machine. Counting machines add the transactions prior to being processed.

I would like to know amount counting machine states went through the system.

If amount is different on deposit from counting machine is the difference in coins?

If transaction was lower than initial deposit why was it assumed to be my transaction which was the cause?

Does each transaction get separated once processed or does each transaction get combined after being processed?

All money went through counting machine then was rebanded with correct amount the band states by the teller banding them. If a band is different than stated why is it banded in this form?

If transaction was counted in counting machine, the machine should be tied back to the teller when submitting the transaction amount so no errors are created or caught prior to making any.

Did the teller receive a warning about a difference in the transaction?

If they recieved a difference was that due to coins creating the difference?

If this isn't the case why did the teller accept a difference in the transaction?

Why didn't the teller ask for help in this transaction if there was an obvious difference from the coins and counting machine not combining the correct amount as the transaction amount?

Why was transaction deducted 2 times rather than 1 time if an error occurred?

Did more than one error occur on same transaction?

Is it common practice to not let aware errors or deductions in accounts when they occur? No attempt to contact was made in email or call when both are on file with banking system.

What is the legal grace period to change a cash deposit transaction? Cash deposits are made in legal tender coins and bills which are made legal in all of the United States no foreign money was involved in this transaction so amount should never change.

I would like to see a time stamp or transaction number of some sort from the bill counting machine referring to this transaction number on attached Reciept with the deposited amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: In XXXX, I leased a Toyota XXXX from Toyota Financial. I swapped banks in the end of XXXX early XXXX to be more convenient banking closer to my work. XXXX payments i made were not credited by Toyota Finance at that time. They did clear my banks. For the last year plus I have been sending them the information from the banks where it shows cleared payments to TFS. On four separate occasions i faxed the info to them. I have XXXX missed payments on my credit report now because of this. Worse of all now it is time to purchase my lease and I had been dealing with TFS, they said it was resolved and gave me buyout quote. Took off work to make the purchase and then they told me they would not finance me, even with a co-signer, no matter what. Now the lease expires on the XXXX and i have to scramble to get financing and paid in time. There is a chance now my wife will lose her car and not be able to get the children to school and to her work as i work out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The referenced company in this complaint never contacted me by way of us mail, telephone, or email regarding this account. The referenced company should not have of my information on file and are reporting a debt on my consumer profile in error. I have contacted this company by phone and was told that they do not have my information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I do not believe I am liable for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this is from my idenity being stolen yet this company continues to report this to my credit reports and continues to hold this file with their company acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am called at least daily by Navient regarding student loan debt I co-signed for, starting the day it is over due, and continuing every day thereafter. They say " cease and desist '' is not applicable. The payment is {$390.00} per month and has never been more than 30 days behind.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Non-federal student loan) with ZWICKER & ASSOCIATES (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am writing about the company called Zwicker & Associates, a debt collector located in XXXX, MA. I live in MA also and when my daughter was at XXXX XXXX I took out a MEFA loan for {$3000.00}. I fell behind because of a XXXX and was unable to keep up the payments. The loan was given to Zwicker and I have been paying {$100.00} a month to them for a couple of years. I asked them for a statement and received something that did not clearly tell me how long I will be paying this bill. I am helping my daughter by paying this bill, because I signed for the MEFA loan and she already pays about XXXX a month for her loans. I arranged with Zwicker & Assoc. to have automatic withdrawal at or near the XXXX of each month. 
I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Most accounts are changed off they need to be taking off also all the unclarified why all those hard hits are on my credit I have not done them

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 03-12-2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX and Quicken Loans is not excepting my Cert. Of Eligibility I received from military service. I was issued one XX/XX/XXXX and had it renewed XX/XX/XXXX. They say that the COE is not any good.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview loan servicing forced property insurance on my loan. My XXXX insurance agent has numerous examples were she has provided proof of insurance on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (PR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received collecting letters from Convergent on behalf of XXXX for an apparent $ 5,000+ debt that is not mine. 
I have never been a XXXX customer. 
When I called both ( XXXX & Convergent ) they indicated that the account on their end had my name and social security information although the address was from Ohio. I live in XXXX XXXX and this is the only residence I have ( and always have had ). 
This debt, on collection, is not mine plus negatively impacts my credit report/score.

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

Complaint: I have requested validation of debt and all I keep getting from the company is a bill saying that they have validated which the person is not me. I ask for proof bearing my signature and they continue to show me nothing. but just say it been validated that its me and the letters and phone calls continue.

Company response to consumer: Closed with explanation