milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Debt collection (Auto debt) with CAINE & WEINER COMPANY, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX turned an account over to a collection agency named Caine & Weiner to collect a debt that I do n't owe and that was as a result of identity theft. I have made both XXXX XXXX and Caine & Weiner aware that this debt does not belong to me and was as a result of identity theft but both of them have ignored me. XXXX has had agents threaten me when I have called them to make the aware that this was fraud and told me that I needed to just pay it or that they would have me arrested. I have tried to have communications with this company multiple times but they continue to threaten me and intimidate me. The very same is true with Caine & Weiner there agents are also unethical, when I have called in to their collection agency to allow them to know that the debt they were attempting to collect was fraudulent, they have also threatened to have me arrested if I did not pay the debt that I have explained to them that I did not owe and was as a result of identity theft. I have been yelled at and cursed at by the representatives at Caine & Weiner. Both Caine & Weiner have told me that they plan to continue to defame my character and hold me liable for this fraudulent debt until I pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX, I had an unauthorized ACH from XXXX XXXX XXXX XXXX in the amount of {$160.00}. I notified XXXX XXXX XXXX XXXX on XX/XX/XXXX of the error given that all my student loans were paid off in XXXX. The lender refused to reverse the payment without the party that authorized the transaction to confirm despite the fact that clearly the transaction was not authorized given I 'm the owner of the checking account that is now disputing the charge. The lender then noted that I should just discuss the matter with my own bank and let them handle the dispute. I told the Great Lakes representative that they should be the one reversing the charge given they made the error and were the ones that initiated the ACH. The representative later indicated that they would put in the stop request ; however, it would take 30-45 days to make the adjustment. I indicated that this action was absurd that I should carry the burden for 30-45 days considering it was an unauthorized transaction. There was little remorse from the lender for the error. They also indicated that they could not confront the party that caused the unauthorized transaction. Once again, all of my loans are paid off and there should be no reason for this lender to be debiting my account. I also think it is ridiculous that a consumer should be carrying the unauthorized charge on his/her own account for 30-45 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Private student loan) with DISCOVER BANK (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I defaulted on a set of loans from Discover a few years ago. However, despite making all of my payments at times late, but always paid in the month it was due, for over a year, they still call me sometimes multiple times a day. 

I have called them multiple times to ask them to stop. They have not. Any number in the images below with the number XXXX XXXX XXXX XXXX XXXX is from Discover Student Loans. 

This is harassment. This should be illegal. They literally call me the day after I have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Payoff process

Complaint: Chase bank sent me a statement for the month of XXXX, I have an auto draft of XXXX paying to them on the XXXX of each month. On the XXXX XXXX I wrote a check in the amount of XXXX to pay the entire bal which was shown owed. Chase recvd the check and processed on XXXX XXXX. On XXXX XXXX my account had a zero bal. On XXXX XXXX Chase charges my acct XXXX for intrest, which I was told by one of their Manager tonite that they charge intrest a month in advance. How can a person pay off a credit acct and then 3 days later the company charges intrest on a XXXX bal acct? If you recv a statement and there is a balance shown and you write a check for that amount ... How can Chase charge intrest on a paid off acct? I was lucky I went and looked at the acct, if I had n't they would 've changed me intrest then a late fee then it would 've made it to my Credit Beaurea shown that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Billing disputes

Complaint: I have contacted USAA several times about changing the payment due date on my credit card. Every time I call, the representative says that USAA has not yet authorized " the system '' to allow for payment due date change requests. I have always paid on time and have a good credit score above XXXX. I am working for a company that pays me on the XXXX and the XXXX instead of the XXXX and the XXXX. I need to be able to pay my credit card bill with my paycheck on the XXXX but my credit card due date is the XXXX of each month which if I do n't pay by the XXXX, I will incur late fees. USAA does n't ever explain why they wo n't allow a change to the payment due date, I am just told by the rep that " management has not yet authorized it ( payment due date changes ) ''.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX Discharged was final on XX/XX/XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 3. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2016 about Money transfers (International money transfer) with U.S. BANCORP (CA).
Issue: Money was not available when promised

Complaint: I want to depute a wire international transfer I made with USBank on XXXX/XXXX/16 for the amount of {$4100.00} the money should have arrived no later then XXXX/XXXX/2016 it.s now been more than 15 day and nobody knows what happened to the wire transfer. According to USBank the money was deposit and it should already been deposit to the account I provide to them but the deposit was never made. I have a copy of the wire transfer along with copies from the international back account receipt showing the money was never deposit. I want to find out what happen to the money so hopefully we can resolve this issue accordingly thanks.

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 12/16/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter attempted to pay off her student loan on XXXX/XXXX/2015 using the " current amount '' on the Sallie Mae website. The account has a daily accrual rate but nowhere on the payment site ( i took screenshots ) does it state that this is really not the " current amount ''. We later found from " escalation department supervisor - XXXX '' that the " current amount '' is simply the last statement balance amount. 
To complicate matters, Sallie Mae, withdrew the amount out of the wrong account which of course created insufficient funds fees and of course more accrued daily interest. 
The possibility of selecting the wrong account was entertained by Sallie Mae. However, paying off your student loan is a huge accomplishment and my daughter and her mother worked together to celebrate this event. The account had been auto debiting from her personal checking account for months and when the payment was made the computer automatically selected the correct primary account ( the one it had been automatically using ) and they happily typed in the full amount, " current amount '' and pressed pay and confirm. 
Although the amount of interest is not even close to the payoff amount, it is still her hard earned money ( plus {$30.00} ISF charged to her mother and I ) plus an additional {$45.00} in accrued interest. 
After 4 phone calls the problem is still not corrected, her loan still not paid, due to Sallie Mae waiting to receive notification from our bank that the money was not in the account they tried to debit before they can do anything. I am simply wondering, as of XXXX/XXXX/2015 how many kids this has happened to and how much extra money Sallie Mae has collected when the consumer gets frustrated and just gives up. 
The consumer of Sallie Mae is encouraged to use auto debit ( website ) however this access method is not accurate and misleading. Consumer beware!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Shopping for a loan or lease

Complaint: I WENT TO A CAR LOT TO GET A CAR AND I TOLD THE LOAN PEOPLE THAT I ONLY WANTED ONE INQUIRE ON MY CREDIT REPORT BUT THEY TOOK IT APOND THERE SELF AND SENT MY CREDIT TO DIFFERENT BANKS WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX/XXXXXX/XX/2015 MCM willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe MCM any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against MCM.Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I have loans with Navient, who XXXX XXXX is their collection department, I entered in to a payment plan with them after not knowing that these XXXX loans did n't consolidate with my other loans. I entered in to payment plan with them making was making {$50.00} payments and up it to {$120.00} a month when I was informed that it would help me to come out of default status. 
However, that was not the case, it showed back up on my credit report as default loans, I called the loan service XXXX XXXXNavient and I was informed that those payment were not applied to my plan. I do n't know were they are applied too, they stated i was just in a low interest plan and stated in order for that status to come off my credit report and for the loans to show a good standing I would have to pay the loan in full, and they could make a settlement with me for {$5700.00}, which I could now make a new arrangement to start making a new payment of {$470.00} a month. 

So the {$1500.00} plus amount I have already paid has went to nothing on improving the status of this loan and now they are on my credit report as default which is keeping me from getting a mortgage. I asked them if they could please update the status on my credit report because I have been making payments to them on the agreed amount which they do auto pay. Their response was, I would have to pay the loan settlement before the status could be changed. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke with XXXX XXXX multiple times over the Spring, Summer and Fall of XX/XX/XXXX regarding an account that was reported to my credit file. I received a letter on XX/XX/XXXX from XXXX XXXX ( listed as Lead Compliance Representative ) stating that the account would be removed from the credit bureaus. The account was in fact removed from XX/XX/XXXXand XX/XX/XXXX, but was not removed from my experian credit file. I have since contacted the debt collector on a number of occasions ( most recently on XX/XX/XXXX ) to attempt to resolve and when I have contacted them I am transferred around multiple times, told that they can't assist me, and/or hung up on. XXXX XXXX is not honoring their promise to remove the account and is not giving me an outlet to resolve the issue.

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 04-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient increased my monthly repayment fees due to a change in interest rates. Navient notified me via written mail ( postmarked XX/XX/2017 ) AFTER the initial increased payment was already due ( increased payment due date : XX/XX/2017 ). Because of this delay in notification, my payment of that month 's bill was marked as late. I was incredibly confused because the Navient account website shows the payment as being made, but as insufficient for the owed amount. This is incredible unprofessional and I now have a late payment marked on my credit because of Navient 's inability to notify me of a change in terms in a timely manner. This also comes after my request to decrease my payments due to loss of employment and large medical bills. Navient granted the lower Income Based Repayment Plan payments on paper, but never lowered the payment request in written bills or in my online account. This is absolutely outrageous and there is no way to reprimand Navient for their awful service.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (FHA mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Closing on a mortgage

Complaint: Began my process of buying a home with a team leader, whom stated he was too busy to meet in person regarding my home buying process. After finding my home, the process required me submitting personal pap erwork three plus times to get it correct. It involved me signing documents that I was then told were incorrect, and had resubmitted that same day requiring me to leave work on two separate occasions. Could not get ahold of mortgage team leader by telephone and was only able to communicate by email with several days delay. Unprofessional communication by text message during process of securing home loan as well as emails using the phrase " stand buy ''. Rushing to submit documentation with less than one week till closing on a  home. When submitting complaint on  XXXX   XXXX  to corporate company then falsely closed the complaint without reaching out to me before doing so. When I called on Tuesday the  XXXX  of  XXXX , I was told the complaint would be reopened and the individuals supervisor would get back to me by close of business. After waiting for a call and not r ecieving one, I then called to follow up to the complaint and speak with a supervisor that told me if my complaint did not seem urgent for corporate to follow up too they would not. It is apparent my time, or money is important to Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Southwest Credit Systems  claims i owe over {$1000.00} on a phone bill!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Advised Equifax that XXXX XXXX A XXXX was opened in my name fraudently. I never solicited business from them. It still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i recently obtained a copy of my XXXX and XXXX credit reports and saw that enhanced recovery had listed an negative account on both my XXXX and XXXX credit reports without sending a dunning letter. after I filed a complaint with the XXXX on XXXX XXXX, 2015 they sent a letter with a copy of bill which does not include whether they purchased the debt I specifically asked for all documents showing that they are allowed to attempt to collect and the original contract of the debt they are trying to collect to see if I actually owe this debt. They have been reporting this on my credit report since XXXX. I requested for them to remove all negative information as I do not believe I owe this debt ad they did not provide the information that I requested and they stated that they would send the credit reporting agency status as I am disputing this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I opened 2 secured Credit Cards with Capital One to start establishing a credit history. I used the cards for a few months then I stopped and was going to pay the balances off. The cards only had a {$200.00} limit. A couple months later I started receiving letters saying that I owed them money for some charges that were made on the account that sent me over the limit. I explained to them that I had n't used the cards in a while because it was no money on them then asked them how was it even possible to go over the {$200.00} credit limit when it 's a secured card. I looked into what was going on and found that it had been some fraudulent activity on both my accounts. I explained to them that I lived in a house with strangers where I was renting a room and it 's a strong possibility that one of them could be responsible. They did n't follow up with me, nor did they look into it. They kept harassing then eventually sent the information to the credit bureaus and its impacting my credit negatively. They reported that I owe over {$600.00} on each account. How is that possible with a secured limit of only {$200.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: I was contacted via email by someone claiming they had a guitar I was wanting to purchase. The alleged seller asked me to send the shipping fees via PayPal " friends & family ''. I felt/thought PayPal covered my transaction as their website claims they will, as well as a statement during the transaction shows that I would be able to submit a dispute if a problem arose ( which it did ... fraud, seller never shipped and stoped replying to my email messages ), therefore I filed a dispute with PayPal within days of sending the money. PayPal has denied my claim and closed the disputed amount without reviewing ANY of the evidence I have in emails from the seller etc. PayPal should uphold their claim as it was misleading to present I may be covered in the event that I was paying for an item that never arrived or was not as described. PayPal has denied my claim. I will be contacting my credit card company for further review. Also had to file a police report on a XXXX website as the alleged seller resided somewhere in the XXXX. Transaction number for PayPal : XXXX

Company response to consumer: Closed with explanation