milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Student loan (Private student loan) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX,2017 a payment of {$240.00} was made on my student loans. The payment was made to AES success but was never applied to my account. I called and was told the incorrect account number was listed and that prevented the payment from being posted to my account. However when reviewing the payment details the correct account number is included on the payment. The representative I spoke with located the payment and said I could send proof of payment and they could apply it to my account. I sent in the documentation request but the payment was never applied to the account. I called back in and spoke with a representative who said the payment was returned on XXXX XXXX. However, prior to calling in, I received an email stating they were processing the information and would update my account on XXXX XXXX. I requested to speak with a supervisor and was connected to a lead representative who stated the payment was returned on XXXX XXXX. I then asked for a supervisor and was connected to a supervisor named XXXX who informed me that she could not verify the payment was returned and she would investigate and call me back. She called later that evening stating she was still investigating and would call back the following day. I did not hear back from her so I called back and was told no supervisor was available and I could leave a message and someone would call me back within 48 hours. I received no call back and I called several days and was given the same response. On XXXX XXXX I called in again and was told they needed an ACH tracing number to locate the payment and apply it to my account. I spoke with XXXX again and was told I would receive a follow up call to confirm receipt of the tracing number. The bank called to provide the payment information and the following day I called back in and was told by XXXX a supervisor that they never received the information from the bank. However I received confirmation from the bank that the information was provided. As of XXXX XXXX the payment has not been returned and my credit has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently pulled a copy of my credit report and noticed an unfamiliar company listed under collection so I disputed it with credit bureau and they send me a letter saying it was verified to be mine. I do n't have or recall even signing a contract with a company by the name listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (NC).
Issue: Confusing or missing disclosures

Complaint: My complaint is about Paypal. I have had an account with them for many years and, recently, they decided that they would limit my account. I do travel through a company called XXXX XXXX XXXX XXXX ( XXXX ). They pay me as a contractor but, I do n't have to setup my own business. However, they do provide me a website page and I was trying to draw people to that page via facebook. As a result, Paypal decided to setup my personal account as a business account and requested information from me. I submitted the address verification however, the link for the business submission did not/does not work. I called Paypal about this problem and they told me to just submit the proof of address and ID information, which I did. They said that my limit would be removed within 24 hours of sending that information. It has been weeks. I have n't been able to make payment via their site and my bills which I had paid through Paypal had to be setup with credit cards. Therefore, their account is no longer useful to me. I have requested that they close my account so that my personal information is not on a site which I no longer use. They have told me that I can not close my account while it is limited. However, I can not get it out of limited status even with phone calls, emails, and doing what they ask. How is this company able to hold my personal information ( SSN, credit cards, bank account information ) without my permission? I just want the account closed and to no longer do business with them. Case ID Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled my XXXX phone service XX/XX/XXXX. XXXX had provided me signal booster as I was not getting enough signal at my home. When I cancelled my XXXX service I requested for them to send me Signal booster return kit in order for me to return the signal booster to XXXX. The return kit simply contains the XXXX return label. But even after 1 month I never received the return Kit. So, I called XXXX again and again for the issue. Every time their response was that they forgot to send the return kit and will send me as soon as possible. At that time, I informed them that the delay is from their end, so I will not be responsible for any charges. Even after this conversation I did not receive any return kit. I had to call them so many times in order to send me return kit. Finally I received the return kit XX/XX/XXXX, more than 2 months after cancelling the service. Surprisingly, during these 2 months they started sending me letters saying I owe them more than {$400.00} as I never returned the signal booster. It seemed like there was definite disconnect between communication within their departments. 
As soon as I received the return kit, I shipped the signal booster on XXXX XXXX XXXX. I have a delivery proof showing they received it on XXXX XXXX XXXX. I have the XXXX tracking number with all the proofs including photocopy of return label, return kit, XXXX receipts with weight of the package showing XXXX, But to my surprise XXXX kept sending me bills showing I owe them more than {$400.00}. So, I called then again on XXXX XXXX XXXX to let them know the entire story and informed them the XXXX tracking number as well so that they can resolve this very simple issue. At this point I was thinking that I provided all the proofs of return and the issue will be resolved. But the biggest surprise was yet to come. I received a call sometime around XXXX XXXX or XXXX XXXX from Amsher Collection agency that XXXX has put my account in collection from XXXX XXXX which was just 1 day after I talked with XXXX representative and had given XXXX XXXX number as a proof of delivery. This seemed so brutal to me. But, I provided all the proofs to collection agency and disputed the issue on XXXX XXXX XXXX. Currently, this issue is in dispute since that day. 
I have all the photocopies as a proof to prove that XXXX definitely received the signal booster on XXXX XXXX XXXX and so I do not owe XXXX any money. At this point I feel like hitting a dead end. I really appreciate if you can help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Wrong amount charged or received

Complaint: On XX/XX/2017 I withdraw {$200.00} dollars ( XXXX {$20.00} XXXXr bills ) out of a Wells Fargo ATM machine located at XXXX XXXX XXXX. XXXX  of the {$20.00} XXXX bills dispensed by the ATM was mutilated missing about XXXX of the bill. I immediately called Wells Fargo to inform them, but they redirected my to my bank XXXX XXXX XXXX XXXX because they said " I do not have a bank account with Wells Fargo. '' I then called XXXX XXXX and filled a claim with them. After about 2 months of not hearing from XXXXXXXX XXXX, I finally called them and was told that no claim had been filled back when I called in XXXX. A claim was finally filled then, and after waiting 2 additional weeks I finally got a letter from XXXX XXXX stating the following : " We are unable to file a dispute for a torn bill. The dispute process governs the results of the transaction, not the condition of the bills provided. 
We regret that we are unable to assist you with your dispute. If you wish to pursue this matter further, we suggest that you contact the merchant directly. As of the date of this letter, your dispute claim has been closed. '' After reading this letter I called XXXXXXXX XXXX for further explanation and was told that they are not responsible for the condition of the bills or money dispense by other ATMs, including Wells Fargo, and was provided information and website on how to contact the U.S. Department of Treasury for a bill exchange, and/or was told that I could try to discuss the matter further with Wells Fargo. I then called Wells Fargo and was told by 3 different individuals that they are not responsible for the condition of the bills/money they dispense because the ATMs are serviced by third party companies who have their own procedures, and that they could not file a claim for my complaint because I am not a XXXX XXXX costumer. I was again provided information on how to request a bill exchange with the U.S. Department of Treasury if I so desired. 

I would really appreciate your assistance in trying to understand, how is it that banks are not directly responsible for the quality of the money/bills that they dispense out of the ATMs? Why does Wells Fargo charge me a transaction fee if they are not going be responsible for malfunctioning of the ATMs? I would really hope this is not true or else what assurance do we customers have that we will be properly refunded if the money dispensed is not in an acceptable condition or there are any other problems during a transaction. 

Thank you in advance! 

XXXX

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 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I disconnected my services with XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX but they continued to charge me for service up to XXXX/XXXX/XXXX. When I tried to resolve it with them they said they have turned me over to a collection agency. The agency asked that I email them a letter of explanation and copies of the bills in question and I did. They said they would send me an email in 30 days with what XXXX said and their decision but did not think I would owe that. They never sent any email response and after 30 days they started calling again requestng the total disputed amount. When I asked for the email response from XXXX they did not know about any email I had sent or that I was told to expect an email response, and instead continued to persist on paying them. They then threatened me that if you do n't pay today they would send it to the credit agency and it would act against my credit rating. 
This is an illegitimate charge. XXXX wo n't respond to my dispute and the collection agency wants me to pay or will hurt my credit rating and continue to harass me for payment. Please help secure a response from XXXX why they think it is legitimate to hold me responsible for paying them for services after my disconnection! 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (FHA mortgage) with EQUIFAX, INC. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had been using XXXX XXXX to monitor my credit. I received a notice that a collection account was added to XXXX. I filed a dispute because the account was charged off years ago. XXXX completed their investigation and removed the report on XX/XX/XXXX. It had not shown on the other credit reporting agencies until later. I assumed this was taken care of when I received notice from XXXX. I did not dispute this with the other two agencies. At the time I was applying for a home loan and had been preapproved because none of these had shown up. When my loan officer pulled my credit the accounts showed in dispute which FHA will not accept. I contacted Equifax on the XXXX and told them I wasn't disputing the account any longer. I was told it would be removed within 48 hours. I could not get ahold of XXXX until I signed up for their service online ( which should also be a complaint ) XXXX  removed the remark immediately after I spoke with them and sent me notice of that. My loan officer pulled the credit reports the next week assuming they were fixed. Equifax has still not corrected my report. I called them again today and they assured me it would be done right away but I still have not received confirmation from them. I asked them to simply send me a document stating that I had asked them to remove the dispute because the loan officer can work with that and they will not even do that. This is not right for the credit bureaus to allow a collection agency to purchase old debt information that has already been charged off and you have already been punished for and suddenly just throw it onto your credit report. Then to be punished again when you try to straighten this out. None of that is right, however, my main complaint at this point is that Equifax is not removing the dispute that I never asked them to do and will not even give me a document saying that I asked to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern : Unfortunately, in XXXX I submit my monthly payment on time. There was a ussue with my account some had acess my account and did some fraudulent charge I was refunded after the investigation I am asking to please removed that 30 late so that I may refinance the house so I can get a better rate It was an exceptionally busy time and my life as Recently, As you may know, XXXX scores are being used more and more in the selection of prospective job applicants. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope THE MONEY SOUR believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX  bought in  XXXX  an Identity Theft debt from Barclays Bank which was disputed in   XXXX  , Barclays had already removed it from CRA and then started to report it again. I have disputed the account through  XXXX  but they have not yet mailed me the requested documents.  Barclays say s the account belongs to  XXXX , I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.

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 05/28/2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We were served with a law suit from fred j hanna law firm and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out private student loans when I was in college. My grandmother was the co-signer. She got down and ill and passed away and all the student loan debt fell on me. I just could not afford to pay it. I 'm a mother of XXXX children living pay check to pay check. My student loan debt is more than my salary. I went to college to try and get out of property, but now I 'm just another person in property with a XXXX degree. This bondage has to be removed. Now my wages are being garnished and I do n't have enough money to provide for me and my kids needs. Please help. There has to be better way to handle this student loan debt. I want to pay them, I just can not pay that much at this time. I 'm being garnished almost {$700.00} a month. This is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Ive tried disputing online before it supposedly came back verified i also sent a letter directly to the company however i noticed that this company is not bonded in the State of Texas and can not legally collect debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called XXXX  and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : Credco and XXXX XXXX.

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 04/30/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX has been paid. XXXX ( XXXX ) payments of {$440.00} were paid in XXXX 2015. My current balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Home equity loan or line of credit) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Application, originator, mortgage broker

Complaint: I have a mortgage with Webster Bank on a condo worth {$100000.00}. The balance after 12 years is {$47000.00} and the mortgage started at about {$59000.00}. My car broke down from shoddy repairs at a dealer and I applied for a Home Equity Line of Credit for {$5000.00} to {$10000.00} and the rejection letter I got today says I applied for a loan fro {$32000.00}. They are a predatory lender when trying to refinance or apply for refinance or anything regarding an existing mortgage. I asked for a copy of my application I made over the phone with my local branch XXXX and have n't gotten it yet. I was referred to XXXX Credit Counseling XXXX XXXX whom I have been to when I got the mortgage on my house XXXX. I have had nothing but trouble with identity theft since. Webster Bank put all these identity theft flags on all my accounts and did not take that into consideration when I applied for my loan. I applied over the phone XXXX XXXX XXXX XXXX, XXXX, CT

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 EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had three credit inquiries from XXXX of which two were not authorized by myself. I have attempted since XX/XX/XXXX to have this removed from my credit. XXXX has supplied me with two letters requesting that the credit bureau to remove them from my account for fraud dates XX/XX/XXXX and XX/XX/XXXX. I have disputed online several times, uploaded both letters from XXXX online to dispute, and mailed both letters to Equifax of which they are refusing to remove. I called XXXX again today ( XX/XX/XXXX ) and had them to initiate a second request to the credit bureau to have them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Consumer Loan (Installment loan) with Social Finance, Inc. (OH).
Issue: Taking out the loan or lease

Complaint: Received mail solicitation for personal loan. I submitted loan application online and uploaded paystub and verification of ID over a month ago. I have yet to receive an answer. When I call for status, they keep telling me that my loan is in underwriting and in the final stage. I feel as if I am being strung along. I have been told that they do not need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I received a notice form Bank of America stating that my mortagage would be increasing from XXXX to XXXX. There was an increase {$4.00} due to a tax increase. The remainder of the increase is stated as a shortage payment of XXXX per month and a reserve requirement of XXXX. When I called and asked why my payment was increasing, I was told there was a shortage in a reimbursement from changing insurance companies. I did change in XXXX of last year. I had to file a complaint against XXXX in order to receive my escrow payment back from them. I sent the escrow payment ( myslef ) to BOA. Which they received in XXXX. Since then I have been receiving paperwork from BAO regarding my house payment being late and advising that I file for bankruptcy ( Case number : XXXX ). Now this. BOA can not give me a succinct reason why my payment is increasing. They paid extra money to the insurance company because the received a request for payment ( they paid a total of {$1800.00}, but they ca n't state why. My insurance is XXXX per year. Then they sent me a refund of {$290.00} which I said I did not want and they said I had to cash the check. Now they say my escrow is negative Just that I have to pay the increased amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief