milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: bankruptcy public record and some information that is not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Other bank product/service) with SLM CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I am a victim of Identity Theft. Someone opened an account with several banks and organizations. I have been working with XXXX to fix these issues, most all companies have taken care of the Theft my removing the account and fixing it with the credit bureaus. the exception to this is Sallie Mae. I contacted Sallie Mae with XXXX and they were extremely unhelpful. After several calls we finally go the information we needed to work on fixing it with them. So I mailed all the information they asked for ( Police Report, Letter Statement, and several other forms ) this has been over 30 days now and no responses from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX, Navient sent an unauthorized debit to my bank account in the amount of {$1500.00}. My husband could not get his XXXX medications and I was sitting at the gas station with an empty tank. Navient refused to reverse the debit while I was on the phone with them, stating I had set up automatic debit six months ago whe I was paying {$170.00} per month for student loans. Because I was due for renewal of my student loans, they already had my bank account info and just pulled the {$1500.00}! But I did not have enough money so my account went overdrawn. Today, XX/XX/XXXX, my bank has reversed the debit due to my account not having overdraft protection but I am being charged {$32.00} in overdraft fees. Navient should pay these fees because this is their error. This issue kept me awake all night and has effected me greatly. My husband and I both cried a lot over it. Its completely unfair for Navient to do this to us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Consumer Loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Can't contact lender

Complaint: APPLIED FOR A PERSONAL LOAN ON XX/XX/2013. I WAS A MEMEBER OF THE XXXX. RECEIVED A CALL STATING I WAS APPROVED FOR XXXX UNSECURED LOAN. AT THE SAME TIME I HAD LENDING CLUB WHICH FOUND OUT LATER IS LIKE A MONOPOLY OF FINANCIAL INSTITITIONS ON THE WEBSITE SCAMING CONSUMERS. I WENT IN AND WHEN THEY DFOUND OUT I HAD XXXX MORE PAYMENT LEFT TO PAY OFF MY CAR SHE INCREASED THE PERSONLA LOAN TO XXXX. SHE OFFERED AS A GOOD GESTURE TO TAKE MONEY OUT OF MY LOAN ANDD SENT XXXX A CHECK SO I DID NOT HAVE TO DEAL WITH IT. AT NO TIME DID SSHE SAY SHE WAS GOING TO USE MY CAR AS COLLATERAL. I NEVER RECEIVED MY PAPERS THE DAY I SIGNED THEM. I WAS TOLD IT WAS AGAINST THE CO POLICY. I PURCHASED UNEMPLOYMENT INSURANCE BUT WAIVED LIFE INS. LATER ABOUT XXXX DAYS I NOTICED THAT THEY WERE THE LIEN HOLDER. I EMAILED XXXX TIMES. NO RESPONSE. I FILED COMPLAIN WITH XXXX, CONSUMER PROTECTION BUREAU. ALL HAVE BEEN IGNORED BY THE COMPANY. THEY CLAIMED THEY DID NOT KNOW I WAS A XXXX. WHEN I FINALLY RECEIVED PARTIAL PAPERWORK COPY OF MY MILITARY ID WAS IN THERE. ALL APPLICATIONS WERE BLANK. MY DMV PAPERWWORK WERE BLANK. IT WAS LIKE I WAS ORDERED FORMS. I AM PAYING OFF A XXXX LOAN. THE ORIGINAL WAS XXXX MY ANNUAL PERCENTAGE IS 33 %. THEY HAD THIS IN MY CREDIT REPORT UNDER A CAR LOAN WHICH ATER MONTHS OF SCREAMING THE DI CHANGE TO PERSONAL LOAN. PLEASE HELP ME OR STEER ME IN A DIRECTION SO I CAN GET JUSTICE. I AM NO LONGER TO THE MARINE BELOW. AT THE TIME I WAS LEGALLY MARIED. I AM NOW REMARRIED AND I AM ALKSO A XXXX NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: We have started a call log with Midland Crdit Agency, calls received from the agency are ongoing..my husband has no idea what debit they are referencing because they are collecting on debt XXXX yrs ago. On XX/XX/XXXX calls started at XXXX, XXXX XXXX am, XXXX, XXXX each time I explained he works during the day & I have XXXX to please call after XXXX.XX/XX/XXXX XXXX, XXXX- which my husband answered the phone and he told them he would get back to them on Monday because we are working w/a debt consolidation company then @ XXXX the same guy he spoke with XXXX XXXX called again from Midland Crdit agency & my husband explained he already talk to him, enough of the harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Late Over 120 Days and Collection. I am unaware of Late over 120 Days and collection. 
Please validate this information with XXXX, XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The inquiries not belonging to me are XXXX XXXX/XXXX/2015, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

My name is XXXX XXXX XXXX. My name is NOT XXXX XXXX XXXX, XXXX. I reside at XXXX XXXX XXXX , XXXX XXXX, GA XXXX. I will fax my Driver 's License, SS Card and Utility bill. 
Please update my report and remove the highlighted accounts and inquiries.

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 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate, verify and remove an account from my credit report that does not belong 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 07-04-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (DE).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened an Ann Taylor store credit card on XX/XX/XXXX. Account number XXXX card was closed on XX/XX/XXXX. I do n't recall closing this account. The total amount charged was {$390.00}. My online bill pay showed that I paid the following amount on the following dates : XX/XX/XXXX - {$50.00} XX/XX/XXXX- {$25.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX. {$100.00} ( see letter dated XX/XX/XXXX stating " BILLER REFUSED PAYMENT. '' Total amount paid {$400.00} ( see supporting online bill pay documents ) I received a phone call early XX/XX/XXXX from Commenity Bank saying that I owed more than {$400.00}. I disputed the charges and agreed with the representative that I would contact my bank and ask them to forward proof to them that I had paid the amount owed. I followed through as promised. I received a letter from XXXX stating that the dispute was closed as the did not receive the documentation requested. I continued receiving bills from XXXX XXXX stating that I owed more than {$600.00} each attempt to resolved the issue, I was told the payments was paid to the wrong account as I had another account with the number ending in XXXX. On XX/XX/XXXX I made a second request for my bank to do another research. I also conducted my own research on that same date and learned that two {$100.00} payments was returned for unknown reason.Commenity bank continue to claim that the reason for this because the payment was paid to my Ann Taylor account ending on XXXX. My only online bill pay clearly shows that the payment was PAID to the disputed account ending # XXXX. ( see accompanying documents. In my many conversation I made it clear that I 'm willing to pay the amounts returned. In my many attempts to resolve this issue, I even contacted an attorney. Two letters was sent on my behalf without a resolution to this situation. As of XX/XX/XXXX XXXX sent me a " last chance '' letter is claiming that I owe {$720.00}. It is simply not fair for me to pay all these late charges due to errors made by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2016 about Debt collection (I do not know) with Office of Brockman & Rollins, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple issues with the company of Brockman & Rollins. They repeatedly call family members and even my previous employer ( they 've NEVER attempted to contact me directly ) saying that they are trying to reach me to serve papers and that I will be arrested for failure to appear in court ( sharing that information with anyone other than myself is illegal ). They have told every single person that they 've spoken with about how much they claim I owe ( illegal ), and that they need to find me as soon as possible and that someone had shown up to my house that day in an attempt to serve papers and that I was n't home. First of all, a legitimate process server is n't going to call me ahead of time to warn me that they 're coming. Second of all, I had just happened to be home that day and NOBODY had shown up. Period. These people call about every six months for about a week and then stop and they start up again about six months later. They are bullies, they are liars, and they use illegal intimidation tactics in hopes that I will be scared enough to pay them money without questioning it. After researching the company of Brockman & Rollins, I 've discovered that they were previously operating under the name of XXXX XXXX XXXX and that company was shut down due to the fact that it was a debt collection scam " company ''. They think they 're slick, changing their name. The company has been in " business '' for less than a year. It could n't be any more obvious that this is a scam attempting to scare me into paying money on a debt that I do not owe. When I questioned what the debt was for, they could n't provide any answers as to what the debt was for, just that I owed them money. I have never received a Verification of Debt letter from them ( illegal ). These are not the practices of a legitimate debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank and XXXX XXXX have fraudulent foreclosed on my XXXX property in Florida with out bring in me in the case. They actually listed my property for sale in XXXX. XXXX started the foreclosure with out bringing me in, and when I filed a complaint against them, they immediately sold the loan in the middle of foreclosure to M & T Bank who finished the foreclosure. These XXXX banks had put a cloud on my title & Now XXXX is washing their hands and passing it to M & T Bank.

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 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.

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 12-07-2015 about Debt collection (Credit card) with Couch Conville & Blitt LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Couch ConVille Blitt is trying to collect and sue me for and old debt for their client XXXX XXXX XXXX XXXX XXXX. I believe this debt is past the statute of limitations and is uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (LA).
Issue: Charged fees or interest you didn't expect

Complaint: I purchased a new bed fro m Conn 's   XXXX , LA store in  XXXX  of  2017 . At the time of the purchase, I was shown a balance owed of  XXXX . When I received the invoice 2 days la ter ( an d after delivery ), the invoice showed a balance of  $ 1300+. I contacted Conn 's, w ho told me that there was insurance added to the bill. I remembered at that point that during the signature process ( which was done on a tablet ), the salesman conveniently expanded the screen so I could n't read what I was signing. I asked why and was told it was required, unless I had proof of homeowner 's insurance. I rushed to the store to provide it, to be told that they 'might ' remove it, but that it would n't change the payments . After 2-3 weeks of conversing with the company daily, I was finally told it was removed after 2 weeks. When I looked at my account, there was a small charge for interest for the time the insurance was on the bill. I then asked for a full accounting of the account, including when I would stop making payments. I a lso asked them to refund the interest amount on the insurance, which was refused. I have refused to make payments on the bed because none of this has been done, and I simply do not trust the company at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am the victim of fraudulent activity on my credit. I am in the processes of reviewing all of my accounts and have notify all XXXX creditors. My credit status has been and is currently under a fraud alert. I made a written request to Barclaycard 's on XXXX/XXXX/15 asking how to submit an FTC Fraud Affidavit. I am also requesting information of what is needed to process that request. IE A copy of Barclaycard 's written policies and procedures informing consumers how to request application information and business transactions records about consumers transactions alleged as the result of identity theft, as per the Fair and Accurate Credit Transactions Act ( FACTA ) I have received no response to my request. My letter was sent certified mail on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with Eastpoint Recovery Group, Inc (MA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I filed a complaint asking to not be contacted anymore. The same person called me again and left a really unprofessional voicemail, accusing me of hanging up on him and using sentences like the funny thing is ... You would think this is a personal matter to this individual. Again I do not want any more phone calls from this company and I dont want them contacting me or people I know again, they already did once and asked to take a message. And I dont want to be harrassed anymore. I want them to leave me alone and stop threating me with further action

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: I opened a small business checking account with Citizens Bank two months ago, and deposited XXXX checks into this account exactly four business days ago, on Friday, XXXX XXXX, using their mobile deposit feature. When I completed the deposit, the confirmation said that I should expect to have access to these funds within XXXX4 business days. Today ( Tuesday, XXXX XXXX, 3 business days later ), I checked the account only to find that my XXXX deposits are now expected to clear on XXXX XXXX, a full 9 business days from the date I deposited them. As a small business, this is a ridiculously long time to wait for a relatively small amount of money to clear, so I called Citizens Bank customer service to see if they could do something to speed it up. The answer I got was that they were unable to contact the XXXX banks who issued the checks I deposited ( XXXX XXXX XXXX and XXXX Bank ) in order to clear the checks, and that the only way they could speed up the process was if I called these banks personally, obtained the direct phone numbers of the people who are responsible for clearing checks, and then called Citizens back to give them these phone numbers so they can call too and clear the checks. Unfortunately, I do not have the time to do this, and since I am a new customer for Citizens Bank and this is my first deposit, I can probably assume that this will be my experience with them in the future as well. At this point, thanks to Citizens Bank I can not use my funds for the next two weeks, which is causing significant difficulty in my business operations. 

I do n't know whether it is legal for them to hold my funds for such long periods of time ( 9 business days or more ), but this is not a practical solution for my business, so I will be closing my business account with Citizens as soon as I can, and finding another institution.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I transferred into XXXX University in XXXX, IL from a small college in Wisconsin after my freshman year. After realizing I did n't want to be in a small city setting, I transferred and left behind my scholarships. Unfortunately, many schools do n't hand out scholarships to transfer students and my parents were right above that line for federal aid, so I had to take out all private loans. Not realizing repayment options for federal and private loans were different, my family and I did n't think taking on a large debt sum was going to be that big of a deal. When I realized I did n't want to become a doctor anymore and was n't going to make as large of a salary things got a little scarier. So I ended college with over XXXX dollars of student loan debt. Discover student loans wanted me to pay near {$1500.00} a month, six months out of college. When I explained my situation they told me to ask my cosigners for money. When I told them XXXX was recently XXXX and put on long term XXXX and the other only made {$38000.00} a year, they told me I only had a few options. The lowest payment option was {$1100.00} a month, which is technically interest only and is only available for 6 months. I started paying this along with {$200.00} a month for federal loans, totaling {$1300.00} a month. Thankfully I got a pretty good job right out of college or I would n't be able to survive. However, I am barely surviving as it is. I have to pay rent, bills, and loan payments. In order to do so I work my full time job, babysit at least 3-4 times a week, stick to a pretty strict budget, and try to pick up side jobs here and there. While struggling, Discover proves to be less than helpful. Every time I call it 's either " too early to talk about my options '' or I need to " call back later ''. I can never get a straight answer and when I do there 's no wiggle room. Even if I paid XXXX a month to them, they told me that it would put my loans into default and they could garnish my wages. What XXXX XXXX XXXX can pay {$1600.00} a month in student loans ( federal and private ) and pay for rent, bills, and still eat? Not any that I know. Every time I try to work with them to get a lower payment plan they tell me that their agents are busy and will call back later, but I rarely get a call back, which just causes another call from me ending in a circle. My 6 months of reduced interest only are up and I 'm back to the circle calling. I do n't know what the next option is and I do n't know how much longer I will be able to survive like this on a entry level salary.

Company response to consumer: Closed with explanation