milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Last week (   XXXX   ), I called  Sallie Mae t o get a  XXXX  pay off statement to apply to refinance my loans with someone else.  XXXX  days before, the pay-out from a different company we 've refied with was placed in my account, so they are aware I 'm trying to re-fi at least some of my loans. My interest rates are outrageous, and I can not afford them much longer. The customer service rep put the request in and mentioned that because of the long weekend  (   XXXX  Friday ) it might take longer than the usual  XXXX  business days, which is fine. I never got the pay-off statement, so I called again last night. While a note had been made on my account, it did n't state how many days I needed nor had the request been filled. Now I have to wait  XXXX   XXXX  business days for the statement to finish my re-fi application. My goal was to have  XXXX  of my loans re-fied by the time my next payment was due, but now because of this, it will not happen. I firmly believ e Sallie Mae i s holding up my paperwork so I ca n't re-finance my loans. I went to  XXXX   XXXX   XXXX .

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I got a notice from XXXX XXXX that I had a new account added to my debt. I looked it up and It is from Enhanced Recovery for XXXX. I have not had a XXXX account since XX/XX/XXXX. This is XXXX years ago. I paid XXXX off when I received the final bill. I have not heard from them since or have had anything attached to my credit report until XX/XX/XXXX. There was no letter sent to me to try and dispute this debt or even tell me I had a debt. My number has not changed and I have not recieved a call from XXXX XXXX in XXXX years that there was a debt. I have read many reviews and just recently Enhanced Recovery has been popping up on Credit Reports for accounts long closed and paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with AmeriCollect (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I need help trying to obtain itemized bills from XXXX XXXX XXXX. On XX/XX/XXXX, I had XXXX on XXXX XXXX XXXX. To the best of my knowledge, all bills related to this XXXX and all other XXXX bills were paid years ago. However, upon recently checking my credit report, I noticed that there are three bills from XXXX sent to collections as recently as XX/XX/XXXX. 

I have asked XXXX XXXX and XXXX XXXX  to provide itemized bills from all XXXX visits/procedures from XX/XX/XXXX-present. They advised me that it was my responsibility to obtain this information from other sources, including Americollect, the collection agency, and my insurance company, XXXX XXXX XXXX. 

After contacting XXXX on XXXX, I was advised to email . On XX/XX/XXXX, I did so. I was contacted by email by an XXXX representative named XXXX XXXX XXXX. I do not know her title or department. 

XXXX XXXX advised me that due to a new billing system, I have two billing accounts with XXXX: one for physician services and one for facility services. At one time, there were three billing accounts. This is where I believe mistakes were made in applying payments. 

XXXX XXXX  has provided me with statements that show a breakdown of bills that she claims that I owe. However, she has not yet provided me with the most important piece of information that I need: an official breakdown of an $XXXX payment that I made to XXXX on XX/XX/XXXX. I asked XXXX XXXX for this information several times, and as of this writing, have not received it. On Friday, XX/XX/XXXX, I emailed XXXX XXXX and told her that if I did not receive it by the end of that day, I was going to file an official complaint against XXXX. 

I am asking for an investigation of how XXXX has handled this situation. Thank you.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I HAVE ASKED XXXX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. XXXX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.

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 11/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Delinquent account

Complaint: paid off XXXX cards with a settlement now they still show late payments

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have recently ceased an auto debit program at Navient XXXX XXXX XXXX XXXX Student Loans due to their processing times negatively affecting how I budget my income each month. I am currently on an interest only income based repayment plan and will nos be paying using a Web based bill payment feature through my bank to better control how payments are disbursed. 

As a result of recent fraudulent activity, where {$470.00} was taken from my bank account by XXXX fraudsters, I was unable to pay my monthly bill, yet Navient continues to harass me and my parents ( co-signers ) up to 8 times a day from various numbers XXXX to name a few. In some casesthese calls are received prior to XXXX. I am working to secure an affidavit from my bank regarding the fraudulent activity. 

In the meantime, I am fully aware of the debt I owe and do my best each month within my means to pay a monthly amount. The harassment diminishes my quality of life, my parent 's quality of life, and interrupts my rest when I am on legal rest during my time away from home in my role XXXX. If my parents had the means and proper notice by Navient, they would assist me during this stressful time while my bank resolves the fraudulent activity, but they can not and therefore do not deserve the multiple phone calls per day that leave them anxious that I, or anyone in my family may have an emergency. I ask for your assistance in asking them to cease and desis the incessant phone calls as well as mail notices reminding us of my debt. We get the picture, they want their money, but it wo n't come any faster by harharassing the debtor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called this company previously about getting verification of the debt since I had no knowledge of it but was talked to horribly/threatened & without resolve but was told in a letter it was being investigated but to date never received any verification or follow up to my verification request. I only received notices stating the amount of the debt and that the company wo n't be able to sue due to the age of the debt & actions that will occur if left unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Affiliated Group, Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I closed an account with XXXX XXXX of Ohio on XXXX XXXX XXXX, when I sold a house. I disputed the final gas bill and on XXXX XXXX XXXX received a final bill for {$39.00} which I paid on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a notice from XXXX Special Accounts Department ( XXXX ) notifying me that the previously disputed {$26.00} was owed. I contacted that office and informed them that I had received and paid a final bill totaling {$39.00} and after speaking with a supervisor XXXX agreed the notice was in error. Today XXXX XXXX XXXX I received via XXXX mail, a notice from Affiliated Credit Services stating my previous account with XXXX XXXX was in collections and that I owed {$26.00} on the account. The notice stated I was to contact XXXX XXXX at XXXX to arrange payment. I called XXXX Special Accounts Department immediately to find out why this had happened. This department claimed they had no record of any contact with me prior to today. I 'm unsure if the notice from Affiliated Credit Service is legit or not. If it is legit then it seems apparent to me that XXXX left hand does not know what it 's right hand is doing. I have had no luck in dealing with XXXX XXXX even after paying their final bill in full. Perhaps you folks can get to the bottom of this. I can only imagine what this must be like for some elderly person to go through all this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02-02-2016 about Bank account or service ((CD) Certificate of deposit) with M&T BANK CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX IRA with Wilmington Trust ( now M & T Bank ) in XXXX. Five years later, they failed to notify me of the 5-year CD 10-day window, even though I had informed the bank of my new address. I resolved not to miss the next 10-day window to transfer my funds to another bank in XXXX XXXX. In preparation, I made multiple calls to M & T bank to ask questions and notify them of my intent. No one from M & T could facilitate my request to transfer funds, so I got the receiving bank to handle the transfer. When I confirmed the transfer, I discovered that M & T charged {$75.00} for the transfer -- even though it was during the 10-day " do with it what you like '' window and no one had informed me of this during my preparation period! When I called to ask them to reverse the fee, the branch manager said there was nothing he could do, and *then* M & T sent my statement declaring the {$75.00} transfer fee -- after the fact!

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TrueAccord Corp. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't recognize a debt forwarded to this company in my name. I received a random email 3 days ago on an account I do n't use ( luckily randomly checked my inbox today ). It was related to XXXX XXXX, whom I was a client of in 2015 but do n't recognize the charge they 're pursuing against me. I never did a {$100.00} transaction, which both companies say I owe. I refuse to pay something I did n't do and will not tolerate any impact to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (IL).
Issue: Account opening, closing, or management

Complaint: synchrony bank closed by Amazon card account and has not provided me a letter stating the reason. I want a letter stating the reason the account was 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 12/19/2017 about Debt collection (Other debt) with Williams & Fudge, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had to leave the University I was attending due to an illness. The University then sold my account to this debt company for collection. They started collecting the debt in 2007, {$100.00} per month, and the total debt was only {$11000.00}. It has been 11 years, and this debt should be paid in full, yet they say that I owe more than 13,000. I have never signed any promissory notes or guarantees to pay any additional amount. They have never provided any schedule of fees or interest amounts regarding the account. This violates truth in lending, fair debt collection practices, and more. 

They need to report to the University that the debt has been satisfied, as I have paid more now than the original amount. 

They need to stop stealing money from my checking account that is not theirs, as I have fully paid the amount owed to the school. 

I will contact an attorney regarding their unfair and abusive practices. 

In regards to XXXX. Your policy does not allow for medical withdrawals after the fact. It has now been 12 years since I attended the school. I would like to be able to finish my degree, but I am unable to do so due to this school not releasing my records. I have paid more than due to this collection company. Also, I have paid for all the credits that I obtained from your University. There is no reason I can not even get access to see what credits are on there. You have sold the debt to Williams and Fudge. Therefore, you no longer have collection rights. You need to release my transcripts and remove the hold on my file. I have paid you {$40000.00} for the credits that I completed and I have a right to the credits I have paid for and earned.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Unauthorized transactions/trans. issues

Complaint: There were XXXX unauthorized transactions on my account dated XX/XX/XXXX. On XX/XX/XXXX, after multiple attempts to contact American Express, the transactions were confirmed unauthorized and I was told the amounts would be credited back to my prepaid bluebird card. I had such a difficult time reaching a representative at the company the multiple times that I called, that I told them I wanted to cancel the card and have the money refunded to me via XXXX XXXX. I was told the max amount that could be sent was {$450.00} I said that was fine and I would cancel the card after I used my refunded amount. I was told to call back in 48 hours for a tracking number. When I called back, they could not locate a tracking number and I was told to call back again in 48 hours. This cycle repeated itself with multiple representatives ( some who did not understand what the problem was due to the language barrier of their call center being located in the XXXX ) until XX/XX/XXXX, when I was finally issued a tracking number. I went to XXXX XXXX and was told the number was invalid. I called AmEx again and they confirmed the number was correct and that I should try again in 48 hours. Again, the number was invalid and I was told to call back in 24 hours. The cycle continued again until XXXX XXXX when the tracking number expired. Since that date, I have made multiple phone calls to obtain a new number and XXXX times in row was told there was no record of my previous call and to call back in 48 hours. Today, XXXX XXXX, I was able to reach someone at XXXX XXXX who told me the money has been returned to AmEx and I need to deal only with them. This has been ongoing for nearly six months and American Express still owes me {$450.00}. I will never use anything related to American Express again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I went to TransUnion 's website to get my free credit report. After viewing my report, I received an email telling me I had subscribed to a $ XXXX credit monitoring service, and my credit card had been billed for {$19.00} twice. I was able to cancel the service online but the customer service number given on the website was not connected to a call center. At no point during the account creation process on TransUnion 's website was I alerted that I would be charged. I never consented to be charged for a credit monitoring service, and I do not want to pay for it or receive the service ; I only wanted to view my credit report, which I am entitled to do for free. I would like a refund of the {$39.00} I have been charged without my consent.

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 monetary relief
Consumer complaint received 07/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Comerica (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I opened a small business in 2014 with a term loan and a line of credit from Comerica Bank. We signed a term sheet that did not disclose any prepayment penalty and it was not discussed with us. The final term loan contract included a clause about a large prepayment penalty that was difficult to understand. We are now trying to refinance the loan and are being told we owe a {$6100.00} prepayment penalty on a {$150000.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing statement

Complaint: Recently, I found a missed credit card payment on my credit report, despite the fact that in over 20 years I have never missed a credit card payment of any kind. The payment was for a Brooks Brothers store card managed by Citibank, and I missed it because I never received a bill. Citi claims that I elected to switch to paperless billing XX/XX/2015, despite the fact that I never use paperless billing for any card and the email address they had on file was outdated. I asked them for screenshots to show me where I selected paperless billing, but they have declined to provide those screenshots. 

This switch to paperless billing coincided with Brooks Brothers changing the bank that was managing their card. The first time I logged on to the new Citi website is when they claim I chose to switch to paperless billing. I presume what happened on that first logon is they fooled me into selecting paperless billing with small print, a confusing question and/or a box that was pre-checked to move to paperless that I did not notice. I say " fooled '' very purposefully. I never intended to stop receiving paper bills and instead send bills to an email address I never use, but Citi insists that I did and it is my fault, despite the fact that they will not show me proof of what I selected. Now my credit score is suffering from this situation. 

I have appealed this to Citi multiple times and have gotten nowhere. When I spoke to them about filing a complaint with the CFPB they discouraged me from doing so - their representative said the CFPB would visit their office, they would show the CFPB that I was the one who selected paperless billing, and they would dismiss the complaint. This strikes me as exactly the reason the CFPB was created in the first place - the bank confuses the customer, the customer complains, the bank says " it was your fault, deal with the consequences. '' On top of that, to tell me " do n't bother going to the CFPB, they wo n't help you '' seems borderline unethical.

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 11/15/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I have been remodifying my loan for 4 years and it has continually been found short of documents, out dated documents or missing documents as well as now needing MORE documents. Intentional manipulation of paperwork submitted is blatant. I have pleaded with them to not sell my home and made a deal with them to have all primary documents needed to them by XX/XX/XXXX for them to start the underwriter process as well as any additional documents they may need. My attorney noted that it appears their intention is not on the up and up and the house is again back on the auction block for XX/XX/2016. there is no time for them to do what they need to do to approve this modification by XX/XX/2016. It appears a rubber stamp denial is already in place. they have filed a XX/XX/XXXX response date, which they have not, as of yet, informed me of and what it entails. Again, I see deception going on as has been going on before. They have broken into my home on three occasions and left the security features damaged or open to vermin, vandals and weather. I have requested a cease and desist and reimbursement for the damages and it has been ignored. I have lost three years of tenants due to sending my tenants monthly 'auction ' sales notices as we go throiudht is weird 'dance '. I have lost them, the {$2800.00} a month revenue from them and the cost to take them to court to retrieve this lost revenue with no success. They reference the letters stating the house is sold and were told by the SPS legal counsel to stay in the home until SPS tells them to leave. Thus the reason for no rent. This is their statement ( to the mediator present ) in court. I feel that right now they are intenting a rubber stamp '' FAIL '' on the home. I have a XXXX XXXX XXXX on it with numberous Stock holders attached and I was just informed that they will not be reducing the 7.44 % interest rate due to these investors. This is not right and is intentional. No one has informed that that the 7.44 % will remain until I spoke with an Ombudsman last week, and all this because disclosed to me, as well as I can e-mail all info to them as opposed to the express mail I have been using ( express due to the fear factor that they convey of urgency all these years of doing this. 
I need solid and honest support at this time. Your help is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation