milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An account was opened with XXXX XX/XX/XXXX it was then forwarded to XXXX for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as well as XXXX and XXXX. This debt was removed from my credit report by XXXX on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the Freud department which I did. I received an email from a XXXX XXXX explaining what she needed to prove the account was Freud, proof of residency, I.D police report etc. I gave XXXX XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX XXXX.at this point It believe XXXX knowingly opened a Freud account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (NC).
Issue: Struggling to pay your loan

Complaint: I am currently out on XXXX XXXX after having XXXXXXXX XXXX XXXX XXXX & I can not afford to pay the high interest payments while I 'm out of work. They have started calling my place of employment & several references even after I told them not to. The interest is way to high as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As a single parent, I had no vehicle and my now XXXX brother helped me to purchase a vehicle to help me get back and forth to work to care for my kids. He assisted me with the monthly payments as well. When he was XXXX, I contacted Santander Consumer USA to request that my notes be lowered due to financial difficulty and to prevent having my vehicle repossessed because I could not afford it. It was enough knowing that my monthly notes were {$440.00} and my car insurance was {$380.00} per month because of my credit score being low. I had previously been through identity theft from a family member  who stole my information and made purchases and created bills that I had not been aware of, which resulted in no one wanting to give me credit. Santander denied my request to have my notes lowered or allow me to refinance the vehicle through another lender. I spoke with a representative who advised me that I could do a voluntary surrender of the vehicle and have all remaining debt waived due to my situation. At that point, I had lost my job because I took a week off for grievance and they denied my request and fired me. The rep told me that all I had to do was make a statement over a recording and I did so. They advised they would pick up the vehicle in a few days, which became a few weeks. The vehicle had been parked outside of my rent home and kept insured until they picked it up. Several months later I was notified that the vehicle had been sold and I was responsible for the remaining debt on it, which was {$11000.00}, in which I thought had been resolved due to the conversation with the representative. The account has been closed and written off but remains on my credit report and is negatively impacting it. I do not think that this is fair to myself, nor any other consumer and it is an unlawful practice of business. I cooperated with this company in every way and their vehicle was returned in like new condition as I received it, but because I no longer had any help with my car note and they could not find a way to help me, but lied and hurt my credit instead, I am now left to battle with getting this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX XXXX XXXX XXXX XXXX banned me from opening an account with any other bank because of a check fraud scam. I was a victim of check fraud and they treated me like the criminal who committed check fraud. They froze my assets and closed my account. I have not been able to open an account since. I tried to file a dispute against the claim but XXXX XXXX XXXX was very uncooperative an their customer service was very unfriendly and not at all helpful. The staff inside the bank would not even help me dispute the claim. It is now XXXX and I still am not able to open an account, and all of the evidence is now lost so I am not able to file a dispute, and XXXX XXXX XXXX will not allow me to open an account or allow me to open an account with any other bank. If there is a check fraud scam XXXX XXXX XXXX will assume that you are a criminal and treat you as such. They will not work with you and all of your attempts to clear the account will be futile.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (NC).
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: I signed up for this secured credit card with high hopes of creating positive credit lines. I have experienced the total opposite. Despite my efforts i am shocked to have experienced such unprofessional and bad service from a company. Beginning on XX/XX/2017 i spoke with XXXX XXXX agents on several occasions in regard to ongoing issues affecting my accounts. Issues ranging from miss-sent and delayed arrival of cards, no pin numbers sent during activation process, updated address not being correctly recorded and having to reorder replacement cards. Due to these and several other errors ; the cards were never used. I received billing statements shortly after requesting payments on both accounts with late fees attached ( for cards i did not have in my possession ). After speaking with XXXX, XXXX, XXXX, XXXX and numerous others ; i was assured that the late fees were a result of a " glitch '' in the system, and that the late fees would be reversed and removed to due to company error. After several months of ongoing waste of time and misleading information i was forced to close both accounts. During this process XXXX XXXX also reported fraudulent remarks to the credit agencies on each of these accounts. I have attempted to have his information corrected and been lied to by management and customer service agents. After months of waiting for refunds to be expedited by fax request ( XXXX ) and via certified mail ; i contacted XXXX XXXX to inquire about the delay in processing my request. I spoke with an agent who made excuses as to why i could not speak to a supervisor ( happens often ). I was placed on several holds that lasted a minimum combined total of 30+ minutes while the supervisor avoided me. After XXXX finally received my call i inquired about {$37.00} being deducted from one of  my refunds. In previous conversations i was informed that i was entitled to and would receive a full refund due to having never been able to utilize either card. Upon my conversation with XXXX ( XXXX  ) claims that a purchase was made for {$8.00} in XXXX and is the reason the money was deducted. At no other time was this " {$8.00} charge '' ever mentioned in any of our previous conversations and i informed him that the charge does not belong me to me. I never utilized either card.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I co-signed for a vehicle on behalf of my ex wife. The vehicle was repossessed in XX/XX/XXXX. I received a XXXX cancelation of debt and instructed to file it on my XX/XX/XXXX taxes. I did so after talking to Santander and being informed it would bring the charge off balance to {$0.00}. Needless to say they lied. After applying for a loan recently I was denied due to the account having a substantial balance. Not to mention this account is over 9 years old now. When I called Santander to ask about this, they were extremely rude to me and told me the XXXX was merely a formality. Being XXXX XXXX I know this is not a formality. I am writing asking with help in resolving this issue. It has cost me several opportunities over the years. I do n't check my credit file and had no clue this was going on since I have never once spoken to them because my divorce changed my contact information and address. The only reason I received the XXXX is because my daughter found it in the trash at my ex wife 's home and saw my name on it. Santander has been very hard to deal with on this matter and we need assistance in order to grow our company, an effort thwarted over the last few years by this matter. Thank you for your time and attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NV).
Issue: Problems when you are unable to pay

Complaint: My car was almost in repo from Toyota financial. I talked to a supervisor and he agreed if paid 1 month XXXXto would come out of repo and I could pay the next month at a later date to get it caught up. I ended up paying 2 months through their automated system with a checking account. They can see the payment was set to go through on the XXXX but it came back as u sufficient funds. I need up putting in the routing number, account number but added the check number not realizing your not suppose to put the cHeck number as well. I have the money to catch up the car but they repoed the car today at XXXX. Beyond never told me the payment did n't go through or there was an error.. they refuse to let me pay the car to date and get it back. They want the car in full. It ws a typical error and they know I have the money. So they say they will sell at auction and I 'll owe the money.. why ca n't they take he money to catch it up if I have it and they know that? I do t want to owe money on a car that I dono havem. Both partied will lose money if they do it that way. Not right to efuse money when they know I tried to pay and I told them I have all the money now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt and the debt collector promised that once I paid the debt they would remove the item from my credit report. They did not honor the agreement and only updated it as paid

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 filed a XXXX XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an XXXX of XXXX on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, XXXX and Experian over the past XXXX years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a XXXX  XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I firmly believe that Navient has been scamming me out of money for many many years. I was actually never given notification that XXXX XXXX had been taken over by Navient, which I found extremely odd given the amount of debt I owe. You would think the company would reach out even by letter or e-mail to let you know they were taking over thousands of dollars in student debt. Looking over transactions since XX/XX/2008, I 've noticed some very questionable business. Not only have my loans grown by thousands since I 've been paying for the past 8 or so years consistently ( over {$400.00} ) but the payment history is never consistent on their end. There are certain months where only {$1.00} is applied to my principle balance, and the remaining {$420.00} is applied to interest alone. The interest and principle payments are never consistent. The interest payments range from $ XXXX-over {$400.00} per month ( with my minimum payment resting at around $ XXXX monthly. ) My loans are split into XXXX separate ones based off semesters, and my highest interest rate is 10.5 %. However, a {$10000.00} loan is now sitting at over {$13000.00} EIGHT years later. I 've had multiple calls with Navient where they will not allow you to overpay on a loan in order to pay it off. They actually have said over the phone that they can not take a payment higher than {$500.00} at a time, but they will gladly put your loan into deferment or forbearance. This option is offered when trying to OVERPAY on student loans. If you make an extra payment online it automatically goes toward interest, which they also fail to explain online or over the phone. I 've been told in order to pay extra on the debt I must write and mail a letter stating the extra amount is to hit principle alone, and that it is still not guaranteed. I 've held credit cards, car loans, and other forms of debt that I 've had no problem paying. I work XXXX jobs consistently in order to make sure my student debt does not fall behind. While I 'm taking steps to pay off this debt in a reasonable time frame ( I will be XXXX in one month ) Navient makes it nearly impossible. Please explain to me how a debt can have a MINIMUM payment of over $ XXXX monthly, no consistent paper trail, multiple " fees '' that are n't outlined, and a significant increase in total debt owed after almost ten years of consistent repayment? I believe I 've paid over {$30000.00} in interest alone over the past 8 years, and I 'd like some answers as to how that makes any sense when dividing my interest and principle balances owed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Auto) with Jonathan Neil & Associates, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a ) The company that the firm represents had already collected via my insurer b ) Company have no license to collect a debt in this particular jurisdiction, nor any cause of action in any jurisdiction. It employs a scare tactic form letter. I have a XXXX and have practiced in the field and am familiar with laws and regulations, but I 'm in the minority. 

c ) Representative refuse to acknowledge the aforementioned and made an ad XXXX remark against my mother, not a party. 

d ) Representative attempted and failed at bullying me into paying a debt without a chance for me to adequately explain and when I turn up the volume, he hangs up.

Company response to consumer: Closed
Consumer complaint received 02-08-2018 about Debt collection (Auto debt) with TCF NATIONAL BANK (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: At XXXX XXXX EST on XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX owned by TCF bank to attempt to settle on a debt that I had on my vehicle loan. The representative that I spoke with XXXX XXXX was rude and abrupt. He very early in the call stated he believed I never had any intention on paying the debt. I advised him that it was uncalled for and he didn't have the right to be condescending or rude to me, that I called with every intention on setting up a settlement. He then proceeded further in the call to advise me that it was likely in my best interest to get a bankruptcy lawyer and stated that I should do it today, possibly after our call and that my credit would be very negatively impacted by the balance. I advised him that I was well aware of the debt and that was why I was calling and that the loan had already been charged off. There was no justifiable reason for him to do this. I felt threatened, and that he had mischaracterized me. I then requested to speak with a supervisor but he continued to speak down to me and refused to honor my request to speak to someone in management. He proceeded to be rude and snide with me during the duration of the call. He even at one point chuckled on the line. At this point I demanded a supervisor which he then finally honored my request and transferred me over to XXXX XXXX who stated he was the supervisor the delinquency mititgation department. He proceeded to reassure me the call would be reviewed but didn't see very interested in the fact that XXXX XXXX. I am also reporting this to FTC, XXXX and looking into pursuing legal action due to the infraction that took place today. This was not the first time I have had an incident with XXXX XXXX XXXX XXXX XXXX. In a previous call made in XX/XX/XXXXa representative told me that although the vehicle was totaled they could still send out a repossession agent to the home and bill me for it in a malicious attempt to collect a payment and in a call prior to that a rep told me that collection laws were updated and that XXXX XXXX could start reporting me late to the credit bureau even if it was 1 day past due. After all of the abuse and harassing phone calls I am now submitting this because I feel the entire organization needs to be investigated for false claims and laws which are a direct violation of the FDCPA. I am requesting a higher representative contact me immediately concerning this matter and all recorded calls need to be listened too.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015, my house XXXX flooded. When I received the disbursements from the insurance company, I sent the checks with copies of the Proof of Loss and the contractor 's estimate to USAA XXXX our mortgage company ) and waited for the check. 

On Friday, XXXX XXXX, XXXX, I called and asked the status of the first disbursement for the contractor and was told that my information has been received and input on XXXX XXXX, and it would take 5-7 business days to send the check. 

I called back Friday, XXXX XXXX, XXXX and was told the 5-7 business days was for processing time and that the check would be mailed in 24-48 hours. 

I called back on Wednesday, XXXX XXXX, XXXX and was told my packet was missing the Proof of Loss from the insurance company and the contractor 's estimate and that nothing could be done until they were received. I was given an email address to send electronic copies to and sent that email XXXX. 

I called back Thursday, XXXX XXXX, XXXX and was told that it would take 24-48 hours to input the documents and that the check would be sent after that. 

I called back Monday, XXXX XXXX, XXXX and was told everything was cleared and that the check would be going out. 

I called back Tuesday, XXXX XXXX, XXXX to insure the check had been mailed and was told it had just been released and would be mailed on Thursday, XXXX XXXX. 

I called back Thursday, XXXX XXXX XXXX and was told that my file was missing the contractor 's estimate. I asked to speak with a supervisor who looked in my file and said she saw something from the contractor that said how much the repairs were going to cost. 

Regardless of whether the contractor 's estimate is actually in their possession XXXX the number she quoted off it made it clear it is XXXX, the fact that they have repeatedly told me that the check is going to mail soon and then continually delaying the process is entirely unacceptable. Losing paperwork on multiple occasions smacks of willful negligence. USAA purports to serve service members and veterans, that I and my family has been treated so poorly is beyond my comprehension.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction issues

Complaint: The first time I sent money from WU to XXXX using my Debit Card, it went through without any issue. A week later when I try to send another money it failed with the error message " Your transaction could n't be completed. '' I called Western Union regarding this error and all the agent told me was " I do n't know what happened, I can not see the error from here '' I asked the agent to get me someone who can tell me what the error means and why it is failing, the agent told me No one in WU can help me regarding this error I should go to an agent location to send the money. I thought this is absurd. Why do you provide me the choice to register an account online and not be able to tell me why the transaction is failing. This is n't the first time. WU has not been helpful in dealing with this and they have very terrible agent who 's mean job I believe is just to get customer 's to stop using WU services

Company response to consumer: Closed with explanation