milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2017 about Debt collection (Payday loan debt) with AmeriCash Holding LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I worked with a Debt Settlement company named  XXXX   XXXX   XXXX ,  XXXX  to pay off my loans with pay day loan lender AmeriCashLoans. Which I was not made aware nor contacted by AmeriCashLoans that they had put in a request for a wage garnishment without my knowledge when I have proof of record that I paid   XXXX   XXXX   in full in the amount of {$2300.00} for this company to settle the debt I had with AmeriCashLoans I called the corporate number that handles the wage garnishment and was treated and spoken to so poorly by a representative named  XXXX  who immediately placed me on hold to find out information regarding the reason my wages were being garnished, She returned back to the phone conversation after  XXXX  minutes to say "  XXXX  '' her supervisor said she spoke someone today about the debt settlement and its not their fault my wages was garnished without my consent or without me proper attempts to contact me that the debt agency has not communicated with them. I have never had any type of garnishment occur and for this to happen without my knowledge is wrong when I took the proper steps to settle my outstanding loan with americashloans I was a long term client of americashloans and never had such poor service, and miscommunication happen with while doing business with them And for the customer service department to think its alright to take funds out of someone pay is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've been trying to get a XXXX for about 2 years now and Nelnet continues to say they 've never received my doctor 's paperwork I 've send a few times and keeps delaying it. Today they gave me the phone number for XXXX and stated " XXXX does XXXX discharges rather than loan forgiveness so you should call them '' and when I did XXXX stated they handled XXXX discharges for the government and " oversee Nelnet so we can get it expedited ... just sign this agreement that I emailed you for a {$590.00} processing fee ''. I paid the fee and signed the paperwork but my husband overheard and got on the phone and we XXXX asked XXXX several times, with XXXX different representatives, if he fee was a consolidation fee and not a " XXXX discharge fee '' as they had also previously stated several times and when asked specifically if they were consolidating the loan from Nelnet, several times, they said emphatically each time, " No, we are not consolidating the loan ''. When my husband read the contract it mentioned nothing but consolidation so I called them to cancel and they said no problem. I also called the credit card company to cancel the charge, just in case. So, my complaint is that XXXX and Nelnet both were lying to me. Nelnet to get paid the {$25000.00} owed to them rather than process my 2 year running attempt to do so by referring me to XXXX for consolidation so they 'd get paid rather than forgiving the debt and XXXX for lying several times that they were not consolidating my loan and were merely processing a " XXXX discharge which is better than loan forgiveness because you do n't have to pay taxes on a discharge like you would with forgiveness. '' Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My information was compromised because of an XXXX security breach. I had previously contacted transunion, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that I need to file a police report. On today, XX/XX/XXXX I was told the same thing from Transunion, after XXXX confirmed that my information was stolen. Someone has clearly been trying to use my information to open accounts. Transunion is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Transunion has violated the XXXX. I WAS TRANSFERRED TO A SUPERVISOR IN XXXX SPECIAL HANDLING. His name is XXXX from the PA office. He would not provide an ID number. He was not helpful, and insisted on me to file a police report before he even listened to my entire situation.

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 06/25/2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Constant harassing phone calls from XXXX XXXX from concord resolutions stating I have XXXX hours to pay or will be served papers and arrested. 

Concord resolutionXXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Untimely response
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery One, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: this was from XXXX which was a part of my XXXX bill. they 're stating that when i moved even though the service remained in my name and i still have aep they were not able to collect the amount from me. this information is erroneous.XXXX continued to bill me for my electricity but unforunately XXXX did want to remain my energy provider once i moved.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (AL).
Issue: Managing the loan or lease

Complaint: Paypal Credit refuses to extend the reduced APR ( 11.99 % ) that I requested as a part of a hardship payment plan. Paypal Credit insists that they only allow a one year hardship period, and raised the APR to 19.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello, Early last XXXX possibly XXXX XXXX I contacted Bank of America to file a check fraud claim regarding a cashiers check that was stolen. I was told approximately 15 days or so after constantly calling checking on the status that it was submitted incorrectly by the customer service representative and needed to be corrected. That was done and the new claim # is XXXX and paperwork soon followed and I was then told by Bank of America that they received the paperwork and that a request had been sent to XXXX XXXX to recover my funds from them to be sent back to BOA to return the funds to my checking account. Again I continued to call over the past couple of weeks and had constantly been being told its a waiting game and the request had been sent and we have to just wait. I was given a telephone number to call XXXX XXXX by a customer service rep at BOA and that telephone number is XXXX. I did in fact call this number and reached a young lady that told me she would do what she can to assist me, but that I was not a " XXXX XXXX '' customer and that she was limited in what information she could release to me. She then came back and told me I needed to contact BOA again because their department should be able to get answers as that department is a go between and they are able to handle this sort of situation. Of course by this time I am frustrated, so I filed a complaint with you all the Consumer Financial Protection Bureau, complaint # XXXX and the complaint was sent to XXXX and XXXX send me a letter XXXX/XXXX/XXXX stating that they have no such request from Bank of America and referred me back to them. The letter is attached. I am being told by BOA that the request is sent and I am being told by XXXX no such request has been received. Please HELP ME!!!

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 03/17/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding LLC is trying to collect {$600.00} from me from a debt that I owe through a credit one bank credit card that I supposely took out in XX/XX/2015. I never taken out a credit card under my name at all. They keep insisting me to pay the amount and got my social security, address and number from me. I do n't feel safe knowing they will keep calling me to pay this debt that I supposely owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: A certified brokerage inheritance check for XXXX was deposited on XXXX XXXX of this month, 2015. I was given a receipt and told the verification period typically took 24 hours, and if issues arrived I would be notified. 2 days later with no funds and no notifications, I decided to contact Wells Fargo and XXXX XXXX to see into the problems. XXXX XXXX confirmed the funds were withdrawn by Wells Fargo by XXXX XXXX. Wells Fargo has on three separate communications told me that : 1 ) They were still waiting on XXXX XXXX to confirm the funds. 2 ) That the check had been returned. 3 ) That the check had to be verified still. They have told me that my funds would be available on XXXX XXXX, which is abnormally long. They have also refused to make any portion available earlier, despite what I understand to be conflicting legalities of deposits over {$5000.00}. Customer Service complaints aside, I find their practice unfair and unreasonable and request a third party 's assistance on the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (IL).
Issue: Taking out the loan or lease

Complaint: Applied for loan from Ace Cash Express. 
Ace sent a phony government check that XXXX Bank cashed and is now holding me responsible for the amount of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with Law Offices of Marvin S. C. Dang, LLC (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I previously had a complaint submitted. My Submission number : XXXX when I called the the XXXX number I was informed by a female who answered the phone they ca n't provide any information on the complaint and that i need to resubmit another complaint. I received a debt validation letter from attorney XXXX office who represents XXXX XXXX, XXXX. Account Name : XXXX XXXX and Original Creditor is XXXX. XXXX XXXX and his client has the name under XXXX XXXX. I sent XXXX XXXX several certified letters requesting any documentation that has a loan made under XXXX XXXX. I do n't recall making any loan under that name with XXXX. I was a victim of identity theft and just want to make sure that XXXX XXXX and his client provided the proof of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with CITIBANK, N.A. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Citi bank loan number XXXX for {$6900.00} transferred the loan to XXXX and they illegally posted in on my credit XX/XX/2017 causing my credit score to drop with all XXXX reports by XXXX points This is the same existing loan that has been on my credit for seven years due to drop off that we just investigated a month ago. since investigation they reported as a new credit collection. This loan is to fall off XX/XX/2017 please confirm this date as well. 

please look into this - I would like it removed. 

This loan has a drop

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 04-06-2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I requested credit line increase and they did not notify me of the hard 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 explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My complaint is, even with a payment plan amount of {$0.00} due monthly tgey still charge interest as though I missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Checking account) with WESTERN UNION COMPANY, THE (HI).
Issue: Using a debit or ATM card

Complaint: Date : XXXX/XXXX/16 Description : DEBIT CARD DEBIT WESTERN UNION XXXX CO Ref:XXXX Auth:XXXX PurchDate:XXXX ( Directly from Bank Statement ) I spoke with a representative on XXXX/XXXX/2016 and was advised that WU had no way of tracking the transaction. I say stop lying to WU valued customers. The Ref. # and Auth ; Code along with the dates of the transactions should be enough to track any transaction ( it is the only information provided to the banking institutions ). The Ref. # and Auth XXXX Codes are provided to the Banking Institution and recorded to the customers bank account statement. Once a customer confirms and deny making the transaction WU 's tracking process should allow WU to verify the transaction was processed ( based on Ref. # & Auth ; Codes provided by the customers ) and a refund to the customer should be immediately processed. WU should then follow up with an internal investigation of who, when, where and why was the transaction ever processed. 
I have experienced this very same unauthorized fraudulent transaction before and it need to be immediately corrected. My last experience resulted in several months lost in the use of my funds due to a WU system process error that I am told can only be tracked by a transaction code that was not assigned to these specific type unauthorized fraudulent or suspect transactions. 
There is a glitch in the WU funds transfer system that due to the method or process of tracking based on a tracking code only. The error correction process delay of up to several months is suspect and open to potential illegal employee thief activities. While the injured customer is neglected the use of their personal funds and has no recourse in acquiring an immediate refund or even be compensated for the delay in the refund process. 
WU has a glitch and or a crook functioning in its funds transfer system that needs to corrected and future customers are immediately refunded and compensation to the customer for the delays ( use of funds ) in the refund process wo n't eventually become necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a loan through  XXXX    XXXX   and in the past few months I 've been hospitalized and become   XXXX   XXXX   XXXX    XXXX  and have been awarded  XXXX  benefits-although I have n't started receiving any payments yet. I fell behind on my payments but I did call the bank and try to alter my payment plan. The balance owed to them was around {$1200.00}. Without my knowledge, they sold my debt to  XXXX  collection company and  XXXX  has falsely placed a collection on my credit report for a whopping {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect XXXX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on experian shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting

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 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MS).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows from XXXX XXXX of XXXX, Arkansas. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All  XXXX  credit reporting agencies show a balance of {$37.00} on a credit card account ending in  XXXX  under  CBNA  sinc e 2011. I do not have an account like that and I certainly do not owe any account since 2011 and have not received an y notification of such a debt. I want it removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Name ( XXXX XXXX XXXX ) and address of XXXX are not correct. Seems as if someone at that address might have tried to get credit card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Reference Number : XXXX Here is sequence of events : 1. Payoff quote from OCWEN faxed to Prominent Escrow dd XX/XX/XXXX, valid to XX/XX/XXXX 2. Prominent Closing Statement for closing date XX/XX/XXXX, funds wired to OCWEN 3. Sub-Escrow Statement from XXXX XXXX, indicates interest paid through XX/XX/XXXX Note that OCWEN received funds on XX/XX/XXXX, so technically OCWEN owes me interest for 1 day. 

On XX/XX/XXXX, OCWEN called me, bypassing the Escrow company and demanded additional payment of {$580.00}. I advised them to speak to Escrow company and they refused. 
In short OCWEN gave a payoff quote, which was paid in full and now request more money. 
Dodd Franks requires mortgage servicers to supply correct payoff and not add any fictuous costs after closing. 
This is CRIMINAL FRAUD! 
To date OCWEN has not been able to explain how there is a difference between their payoff quote and the monies paid by Escrow company - most likely illegal fees! 
They have been harassing me for years on this and now I have negative report on my credit that prevented me from getting a mortgage to purchase a home for my wife and I. 

OCWEN have now assigned the " fictuous '' mortgage to XXXX XXXX XXXX and now they are harassing me. 
XXXX Reference Number : XXXX I wrote to both OCWEN and XXXX numerous times but to no avail. 
Attached is letter I sent them on XX/XX/XXXX, and still no satisfactory explanation - just statement of short payment!!!!! 
Attached also documents from Prominent Escrow and XXXX XXXX. 
How many times do I have to prove that is paid in full!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: I purchased a 2015 XXXX from a XXXX XXXX XXXX. I have had trouble getting Toyota Financial Services to accept my payment and have been trying since XXXX XXXX to pay them. They keep telling me I am not paying and I am. When I call customer service I get the runaround. All I am trying to do is to pay my car loan. They have now doubled my payment to XXXX. My payment per contract is XXXX. 

No one seems to listen to me, and I do n't want my car repossessed. I am both frustrated and angry. I am JUST TRYING TO PAY MY BILL. They did n't accept my payment from XXXX XXXX when it was due on XXXX XXXX. So now this is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Federal student loan debt) with Olympic Credit Service Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: on XXXX17 at XXXX I called the collection agency to inquire about my debt that XXXX XXXX XXXX ( XXXX ) had handed over to them. I was transferred to XXXX, who is in charge of my account, I asked how much I owed, what my payment options are, and if I could n't settle the debt for less. When I could not afford the {$300.00} plus monthly payment XXXX XXXX tone with me became extremely condescending and she hung up on me. 
I called back around XXXX XXXX and asked to speak with a Supervisor and was transferred to XXXX, to make him aware of how XXXX treated me, XXXX went over my debt with me and I asked if he could inquire with XXXX about settling for less, XXXX XXXX tone became very volatile and he stated " that 's not going to happen, I 'm not going to do that '' he also said he 's been down this road for year and it 's a " state thing '' and was inquiring where I went to college and if I work or when i 'm getting my degree, he ended up hanging up on me, but before he did he said " i 'm hanging up on you now '' I said, " yes, this is the same treatment I got from XXXX ''

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