milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2016 about Consumer Loan (Installment loan) with DISCOVER BANK (OH).
Issue: Managing the loan or lease

Complaint: I paid my discover loan payment ontime as usual as confirmed by looking at my credit history I paid XXXX XXXX/XXXX/16 it is confimred by an email from Discover stating they received my payment, I also received a confirmtion number, and I have proof from my bank and a copy of the bank statement showing that discover took the XXXX out of my account on XXXX/XXXX/16 The payment was never applied to my account,, I called and they said there was a system update that caused problems with payments, the money was never applied to my loan, now I am receiving collection calls, and collection letters,, even though they said they will fix the problem they have not,, I faxed a letter to them on XXXX/XXXX/16 to the fax number I called and got from a Loan Manager, they have not replied or acknowledged they received it.. I sent copies of all the proof that the loan payment was paid, including the bank statement. This is now affecting my credit. I pay every month on time all my bills, now I am showing past due..I am so upset about this because there is nothing I can do about it. They will not correct the issue.. I have spent hours trying to correct this, I have done everything to correct this I have documents showing that the payment was made, and not just the payment but XXXX over,, I like to pay over the amount due. What can I do? my hands are tied.. I am now going to have poor credit. How do I make another payment, It will be due again in a few weeks, how do I make the payment and make sure its applied to my account. If having proof, a cofirmation number, a dopy of the bank statement showing that the paymnet was paid to Discover, a copy of the email and these things do not correct the problem what do I do??

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Problem when making payments

Complaint: I have had nothing but problems since I opened my loan with Lending Club. THeir payment options are not in the best interest of the customer. To make changes to the date of your loan payment or make your payment early is a trial in futility. 

I personally needed the loan, however I should have not taken it out, as a credit card would have been cheaper for me. They are charging me almost 13 % over the top percentage rate of a standard credit card. 

I struggle every month to pay the loan amount. However they will not renegotiate the interest rate. I initially had requested a loan amount of I believe {$13000.00}, as this would allow me to pay off the loan over a longer period of time. I was denied but offered a loan amount of {$3200.00} with a loan origination fee of {$160.00}. This amount was not disclosed to me till late in the process. 

So did not receive {$3200.00} but {$3000.00}. 

I have made all payment on time as of XXXX/XXXX/XXXX. 

I applied and was approved on XXXX XXXX, XXXX and funds were deposited into my account on XXXX/XXXX/XXXX. Interest rate is 31.89 % and annual percentage rate is 35.96 % APR. 

They record my calls and I hope you can gain access to them they are not polite and there is much frustration in my voice when I talk to these people. As their phone numbers are not readily available to the public, and you have to search through XXXX to find their number. They want everything done via email. NOT GOING TO HAPPEN. 

I also question their XXXX XXXX amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (VA).
Issue: Taking out the loan or lease

Complaint: I purchased a car with what was described as in house financing, using XXXX references, a hotel address that i had been at for one day, while unemployed and having an interruption in my plans for a place of residence. 

The car dealership approved me. But misrepresented the terms for repayment. So I filed a prior request. The not actually in house finance company sent me a copy of the application packet they processed. From this I learned that my address, downpayment amount had been falsified and that they manufactured afditional references from their employees. 
Upon contacting the finance company, they told me that since they had responded to my complaint they wouldnt bother to address my concerns of fraud. They suggested contacting the CEO 's office again, and when I did so, I was instead told of his desire to have my front door kicked in. These sorts of threats on the part of XXXX XXXX make it very difficult to address the concerns with Credit Acceptance Corp . 
I am under the impression that their XXXX XXXX filing with the SEC describes their dealer purchase program where they allow dealers to utilize their warehouse lines to finance new loans and then immediately transfer up the notes. From the above I can surmize only that Credit Acceptance Corp actively encourages fraudulent practiced on the part of their dealer purchase program members, or would otherwise be more alarmed by reports of specific fraud. 
Additionally, as a XXXX veteran who has been adjuciated as insane, I fear that I am more prone to being targeted by such predatory corporations. While the purchase took place in a state with laws designed to protect the insane, it seems that thus far the state laws failed to prorect me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit card () with CITIBANK, N.A. (UT).
Issue: Closing/Cancelling account

Complaint: On XX/XX/2015 Citibank Credit Card closed my account with reason that they have the right to close my account at their discretion anytime without any prior notice. I have a credit balance on the account amounting to {$7700.00}. I asked them to direct deposit my funds but they said they are going to review my payments. If they had only contacted me and gave me a way to know that they are closing my account then i would not have paid my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CT).
Issue: Settlement process and costs

Complaint: We signed an agreement to assume and modify our mortgage through XXXX. Two days prior to finalization with them they sold it to Shellpoint Mortgage. They were supposed to adhere to everything agreed to by XXXX and us. Removing my ex-husband from the loan and placing me there since we had a Quit Claim deed, the amount of repayment and monthly payments were also supposed to stay the same. However, they replaced my name with my ex 's and raised the original agreement amount from {$2500.00} to {$2200.00} in XXXX then {$2500.00} in XXXX and raised it again in XXXX to {$2600.00}. This is getting a little ridiculous. They keep taking on fees and interest that should n't be there stating we are a month behind when I have never missed a payment. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Ally Bank closed my   XXXX   and  XXXX  account on   XXXX   XXXX   against my wishes. They claimed my address was not a physical address and cited the PATRIOT ACT as the reason they had to close my account.      But I have a physical address on file with Ally and always have. At best, this was caused by a mistake in their physical address database. They refuse to acknowledge their error or re-open my account.     Although they eventually returned my funds, I suffered over {$200.00} in fees and penalties by having nearly {$8000.00} suddenly withdrawn from my account ( a day before I pay most of my bills  )  and distilled to a check that was not returned to me for several weeks.

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 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I bought a 36 in grilled cooking station and it has not yet arrived to me and I have a feeling it was sent to the wrong adress this is very frustrating and sad. I demand a complete refund. I had to ask my boss to be off work today just to wait for that 36 in girl it is not very professional if that was the case. That my order got lost. I want a full refund. I waited all day waiting for my order to come thru the XXXX or register mail or even XXXXShipping but it seems like is not the order was track and it said it been deliver but it 's incorrect. It 's false. I want a full refund and hope that walmart undestands my concerns about it I never had expected this or experience my order to get lost. Not very professional now I have to go to neighbors houses to see if any body received my package or if it got stolen. Either way I want a refund. It 's not my fault or responsibility to be looking for that package I am stress out right now and so mad. I hope walmart does credit the 36 in grill back to me, and if I can recuerda it if I do find it the least they can do is let me keep that one if I do find it but I doubt it I will be going to places and ask neighbors to see if they receive it by mistake. This is very frustrating, so mad.

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 01/19/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Getting a line of credit

Complaint: I applied for a unsucure personal loan.

With Wells Fargo. I have been banking with them since 1996. I submitted my XXXX for last 3 years and my last pay slip from Maryland before I was sent overseas to work for 6 months. I also submitted my 6 months of pay stubs in Euros. I was told from my local banker that my application looked good I have a credit score of XXXX  after having XXXX only two years ago. I was asked a few days later to submit my pay stubs again as they could not read them I did and then I got a call saying I was conditional approved. They also sent a email to say the same. Next day loan was declined I called in was told Wells Fargo are not able to convert Euros to US dollars.

They they said I could not use Euros as income. I informed them that I had to submit all my income with the IRS.

They then said I should try another lender I said I would not as I have only banked with them since 1996. They then said to try to include my wife 's XXXX  income I was a little hesitant to do this as she has some bad credit from 6 years ago. We did do the application it go declined was told because of my wife 's bad credit and also that I had changed jobs so many times. I have had the same job for six years and the job before was for 12 years. I have excepted the decline but did feel the treatment from Wells Fargo is fair and as this will put economic hardship on me as I will probably not get a loan else where after my credit shows Wells Fargo pulling my credit twice.

Regards,

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 04-08-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I took out a student loan for the amount of {$12000.00} XX/XX/XXXX to attend XXXX XXXX University in XXXX, GA. I was assured that my interest rate was 6 %, and reluctantly agreed. What I did not know at the time was that the interest rate was variable, deep within the many pages of fine print of the original contract. Since then my interest rate has ballooned to 18 % and now currently it has went back down to 13 %. I am not working, and although I have been trying hard to gain employment I have been successful. Back in XX/XX/XXXX, after graduating, I found myself in the same predicament, and XXXX XXXX lenders allowed me to defer my account for three months. Now XX/XX/XXXX, I am in a devastating financial state, and XXXX XXXX says according to the terms of my agreement, I can only forebear it once during the life of the loan. They are now threatening to take me to court, and will not work with me in terms of allowing a brief forbearance while I continue to aggressively attempt to secure employment. They did say I can possibly make a payment plan of {$150.00} a month, but only if I submit my bank statement, and the rep even noted that if they find that I spend money on XXXX or restaurants, they will not consider this plan, because I must " obviously have money ''. The truth is {$150.00} is not bad at all, but I just do n't have that money at this moment. Any advice on how to proceed will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have been denied to start gas service with XXXX XXXX Ohio. XXXX states that there is a freeze on my SSN by Experian. After contacting Experian SEVERAL times I am informed by Experian that there is NO FREEZE on my SSN. I have written, emailed, and called both Experian and XXXX to no avail. Response from XXXX is I can not start service with a freeze. Response from Experian is that I do not have a freeze. It is totally impossible to speak with a person at Experian. XXXX will not discuss anything further with me until the freeze is lifted. I have not received any responses to my letters or requests from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. ().
Issue: Deposits and withdrawals

Complaint: Hi im complaining Paypal because they wont let me withdraw or transfer funds to my local bank. They just sent an email saying that they noticed a pattern and that it maybe at risk so it has been permanently limited and the frustrating part is that i 'll have to wait 180 days when it 's available telling me that they just want to make sure that its not involve in any fraudulent activities. I email them saying that all transaction are legitimate but they only responded stating that their decision is final and that i can not withdraw my money. Please help me i needed it for hospital and medical expenses for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Three weeks ago I was contacted by XXXX c/o Transworld Systems , Inc. regarding a school loan debt. I informed them they had the wrong individual and gave them my information which did not match what they had for the debtor. Just this morning my employer notified me the company is trying to garnish my wages even though the social and address of the debtor does not match. They also gave my employer the other ladies social and personal information. I have been stressed out all morning this company has been harassing my employer and myself and they do not have the correct individual. They have asked my employer for my social and what I make etc. 

I filed a complaint with the Attorney Generals office who sent a letter to the company a few weeks ago and the company responded saying they had no clue who I was and has no collection acct. for me however, they sent my employer a letter stating that they needed to garnish XXXX % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Payday loan) with Halsted Financial Services, LLC. (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This company calls me 6-7 times a day. They rarely identify themselves when calling. I am constantly cursed at, threatened that they will show up at my home, tell my supervisors " what I have done '', threaten to arrest me, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Thanks for your assistance. I was billed for a medical task that my insurance stated I am not responsible for. I called XXXX and spoke to them about this, and provided the documentation from my insurance company. This was ignored and I was billed and then reported for non-payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I spoke with XXXX. XXXX on XX/XX/XXXX concerning the alleged debt from XXXX XXXX XXXX. I gave the rep. my contact information home address and confirmed phone # and expressed my concern over the debt and asked for proof. Rent Recover XXXX XXXX XXXX continued to pursue operation as if they had not reached me by calling my job XX/XX/XXXX and parents home upsetting my elderly parents with a request that had been addressed. The name of the company a lone " Rent Recover XXXX XXXX XXXX, XXXX I feel likes violates by privacy when calling my place of employment

Company response to consumer: Untimely response
Consumer complaint received 04-03-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (LA).
Issue: Managing the loan or lease

Complaint: XXXX is not showing my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a medical collection which is being reported by XXXX different collection agencies however for the same original creditor. XXXX XXXX XXXX is the original creditor that turned over a debt in the amount of {$550.00} to both Syndicated Office Systems and Central Finance Control. These XXXX collection agencies are parent companies demanding that I pay the collection. It makes no sense to pay a collection account XXXX and it is difficult to determine who has legal ownership of the debt, or which debt collector had it first especially when XXXX claim to have acquired the debt on the SAME DATE. 

Syndicated Office Systems is reporting on my XXXX only, while Central Finance Control has reported the debt on both my XXXX and XXXX. According to recent actions ( XXXX/XXXX/2015 ) taken against Syndicated Office Systems by the CFPB, these types of collection tactics are unethical and illegal. 

Over the past XXXX months, I have hired two different companies in an attempt to validate the debt. However neither Syndicated Office Systems nor Central Finance Control responded within the XXXX time frame as required by federal law ( see attached ) and when they did respond, each claimed to legally own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted SW Credit Systems several times about the account being reported on my credit report. I paid the account off with XXXX XXXX XXXX and XXXX XXXX XXXX stated the collection would be removed from my credit report. To this date, the account has not been removed from my XXXX or XXXX credit reports.

Company response to consumer: Closed with explanation