milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Submitted {$2000.00} via certified mail with return receipt including a letter indicating that the contained amount was to be applied to the principle amount of my student loan. Loan provider claimed to have only received {$1000.00}, in spite of the fact that both USPS issued money orders were contained within the same envelope, and arrived unopened at the loan carrier 's PO box which was confirmed by return receipt. Following this, I was told that they had found the " missing '' {$1000.00} and applied both it and the other {$1000.00} money order toward the principle balance. I was also told that any monthly payment over {$50.00} was strictly against " policy '', but that the monies I had sent would be submitted only toward the principle. Recently I received statements from my student loan company ( Navient ), and I noticed something strange. While my payments continued, my principle balance remained the same. In addition the other {$1000.00} had not been applied toward my principle balanced as agreed upon. Upon calling Navient, I was told that any letter dictating how my funds were used were either discarded or ignored. I was also informed that any funds submitted regardless of requests was spent on interest first, and whatever was left is spent on the principle. Again I was restricted from increasing my monthly payment, and was not allowed to make a lump payment toward the principle ; instead I have only been allowed to pay less than they charge for interest ( XXXX/mo ). As it stands, I should have owed less than {$400.00} by now. I attempted to resolve this issue, but I could achieve no solution with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.

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 05/27/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MO).
Issue: Managing the loan or lease

Complaint: Continuous phone calls several times daily-now calling siblings at work. Payment is not over 30 days. Repeatedly asked not to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AK).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I opened a checking and a savings account with the WELLS FARGO BANK on XX/XX/XXXX. I had a check from my attorney for the settlement of the accdent that XXXX my husband in XX/XX/XXXXThe amount was XXXX so I had to trust a bank. Not something l do So the manager gave me {$40000.00} cash and transferred the remaining {$140000.00} to  the XXXX branch.Friday before XXXX l withdrew {$1000.00} from checking for the dinner celebration. Then when I went to the bank on Monday to get money to pay bills the teller who was helping me said she did not know what happened to both

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 08-02-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I signed up for a new account in XXXX 2015 with PNC bank. There was a {$200.00} sign up bonus. Since then I have called three times to check on it and each time I am told I was approved for the {$200.00} until today when they stated I did NOT meet one of the criteria I never knew about. They also set up my checks on the wrong bank account and charged me NSF fees which I had to call and have reversed several times. People I worked with there are no longer with the company so what they told me or did to me is no longer valid ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

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 12/16/2016 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Billing error corrected XXXX, 2016. I have {$0.00} balance. Rash Curtis & Associates knows this when I demanded proof of debt in XXXX XXXX, 2016. 

I just received a new letter ( XXXX/XXXX/2016 ) with new account number for the SAME DEBT that was disputed 6 months ago. 

THIS IS FRAUD AND HARASSMENT I am sick, sick and tired of this lethargy. I am seeking legal advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with PNC Bank N.A. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Lender has repeatedly missed its own deadlines to review my application to release cosigner. Pursuant to the terms of this private student loan ( bar loan ), loan is subject to co-signer release after 48 months of consecutive monthly payments. I have made these payments. On XX/XX/2017, I submitted a request for cosigner release and was informed that my request would be processed within 10 days. After these 10 days, rather than a substantive response to my request, I was provided with a blank application to fill out, which I did, notwithstanding the fact that it should not have taken 10 days simply to provide me with a blank application. Now, more than 10 business days have passed since I submitted the complete, signed application, and the lender has not responded to my application, even though they stated that all requests would be reviewed within 10 business days. PNC 's intransigence should not be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 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: There are currently three items on my credit report that are being reported by a collection agency by the name of common wealth fin in the amounts of {$870.00}, {$590.00}, and {$65.00}. I have repeatedly tried to dispute these three items due to them not being my debt to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Around XX/XX/XXXX I applied for and was approved for a Citibank Costco Visa card. On XX/XX/XXXX, I requested that my Citibank XXXX XXXX with the account number ending in XXXX be closed. At that time I tore up the card and discontinued it 's use. Please see the email attachment confirming closure of the credit card.
On or about XX/XX/XXXX I discovered that the card was not closed, and that a single recurring charge posted to the account. By the time I discovered the source of this charge, the card has been reported against my credit report as being over 60 days late twice.  Since the account was supposed to be closed, I did not monitor any activity on the card. I was not receiving any statements from Citibank either online or by regular mail. But this charge posted to the account and despite resolving this with Citibank.
I did receive a notice that I had a late payment on my credit card account. When I contacted Citibank, they pulled up my new Costco card and not the AAdvantage card  by mistake. They told me that the notice mailed to me regarding a missed payment was an error and to disregard. Again, since the AAdvantage account was supposed to be closed, that account was not checked. Had the Citibank representative practiced due diligence, they should have discovered the old AAdvantage account was not closed and the problem could have been resolved at that time.
This error has taken a significant impact on my credit. Citibank 's error dropped my credit score from and XXXX to a XXXX ( and at one point a XXXX ). I have been a Citibank customer since XX/XX/XXXX and up until this point I have never had a late payment with them. This late payment was not my fault. This late payment was due to CitiBank 's failure to properly close my AAdvantage account in XX/XX/XXXX. Had this account been properly closed, the single recurring charge would not have posted.

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 01/13/2017 about Debt collection (Credit card) with CITIBANK, N.A. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that in XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the two I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XX/XX/XXXX and it shows XXXX balance so I assumed it was the Citibank I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at XXXX. There was an open collection listed on my report for XXXX. I have since learned it is a debt collector for Citi Bank. I did make a XXXX payment to Citi Bank on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed in XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to XXXX today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.

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 04-07-2015 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (CO).
Issue: Deposits and withdrawals

Complaint: I used my PayPal account in late XXXX of this year to make XXXX different transaction withdraws from my bank. These transactions were being sent to XXXX different places. PayPal XXXX dipped into my account and took out each transaction XXXX. When I saw that PayPal had taken money out of my account again, 3 days after the original withdrawal, I called PayPal and asked that they simply refund the extra payments they removed without my authorization back into my bank account. They said they would have to look into it. Well, PayPal tried to take the money out again. I know this because I have fraud protection on my bank account and my bank informed me that someone was trying to take out money from my account. I called PayPal again and they said I would have to get official bank documentation and send it to their appeals department. I did just that. I started to get harassing phone calls from PayPal along with email saying that I owed them money because was account was in deficit. What? They are the ones who stole my money and now have it and wont give it back to me! I again went back to the back and gathered more information and faxed them again. Still I continue to get XXXX very hostile phone calls a day from XXXX until XXXX including Saturdays and still receive emails. I decided to go back to the bank brank and get detailed very precise wire transfer documentation from the bank on bank letterhead and stamped with the bank seal by the branch assistant vice president and a hand written letter to boot and over night certified this information to PayPal. I continue to receive threatening phone calls from PayPal saying they have ruined my credit and I am in default of payment. I do not understand how a collections department can not decipher very precise line by line information from the bank that clearly shows the withdrawer as PayPal on the wire transfers out of my bank. I would be very excited to have your assistance in clearing up this matter with me and going after PayPal and getting my funds back and clearing up any and all bad credit that they may have caused my name or account on/for any future credit reporting. I truly need your assistance because they are so threatening that I do not want to communicate with their company any longer without assistance. I look forward to having a representative assist me with this matter. Thank you in advance truly

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 11-04-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I submitted a complaint in XXXX regarding my student loans with Wells Fargo Bank. Per their response from the office of Research and Remediation Analyst, I contacted the law firm of XXXX XXXX XXXX XXXX in XXXX, TX. I was told by the law firm to pay over {$1000.00} a month and I explained to them that I ca n't afford it because I have other student loans and bills. Moreover, it is no that I do n't want to pay but my income at the end of the month ca n't meet the said amount. The law firm requested for my two month pay stub, tax returns and a letter which I submitted. I was told to call after two business days. When I called the law firm, I was told to pay {$700.00} for one year, {$1000.00} the second year and {$1500.00} for the subsequent years. I explained once again that it is not that I do n't want to pay but my resources can not meet that payment plan. Unfortunately, I was told to pay with my husband assistance but I mentioned to them that my husband is currently still in school and besides that, he has his own student loans that he is struggling with. 
I have tried several times to contact XXXX XXXX on phone per the response I received but no answer or return call to the messages I left. The law firm has informed me that Wells Fargo has filed a law suit against me and if I ca n't pay what they are demanding from me, they will proceed with the court case. 
Please, permit me to mention that I 'm prepared and willing to pay any reasonable amount in consideration to my expenses which will be between $ XXXX $ XXXX request and appeal is to reduce the {$700.00} to reasonable payment plan that I will be committed. Thank you once again for your assistance in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Credit card debt) with Dynamic Recovery Solutions, LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving repeated phone calls from this debt collector attempting to collect on a credit card debt from a company that I resolved the issue with over 10 years ago. I have advised them verbally on recording from them and myself and in writing ( delivered certified mail and signed for XX/XX/2018 at the front desk to cease and desist and to validate the debt. I have continued to receive phone calls.

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 03/25/2015 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (IL).
Issue: Taking out the loan or lease

Complaint: I reside in XXXX i purchased a used car 7 months ago and was never presented a copy of the contract the loan is threw go financial there operation of business is located in XXXX i calledthem and ask for a copy they sent it in the mail and to my discovery they are charging me 27 % intrest which is a violation of XXXX and XXXX Usury laws it is 18 % over what XXXX laws allowed and 17 % over XXXX laws i also discovered my signature appeared to photo copy and place the the signature line as if i sign it i am very knowledgeable in contract law in meaning i always sign without prejudice UCC 1-308 & UCC 1-103.6 then my signature following with UCC 3-402 ( b ) ( 1 ) that mean the dealer who i made the purchase threw violatedUCC 3-302 THE HOLDER DUE COURSE, because it was not a good faith contract, and the Dodd Frank Act and its a violation of the hobbs act as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Medical) with Professional Finance Company, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with D&A Services, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Call from D and A Services XXXX about a personal matter. They are a debt collection service trying to satisfy a debt and the call was recorded. I do n't owe such a debt. Left a message for me to return a call to XXXX. Asked me to verify my last four of SS number and dated of birth. I told them I do n't give out personal information to anyone I do n't know, especially over the phone. Then she attempted to verify my identity by giving me a bogus address. I told them that was n't me or my address and she asked for my address. I told them not to call me anymore. They said they would remove my name from their call list. This was a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with ERC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency in Florida continues to harass my home by calling and leaving no message although I have called them and asked to be removed from phone base and informed them person they are attempting to reach ( XXXX XXXX ) has never lived here and is unknown to me! There are numerous complaints an line regarding these creatures and nothing seems to be done regarding the problem.

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 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cosigned a lease for my son. After he moved out of the apartment with the appropriate notice the the apartments kept billing us ( through a shell company ) for common electric, pest control and garbage collection. I wrote them several times and even sent copies of my canceled checks from my bank but they continued to bill me then put a negative mark on my credit. The apartments are XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. The shell company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I repeatedly asked for an accounting of my payments and their billing but never got a response. Also there is no way to contact this shell company except through mail as they do not have a phone number published.

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