milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: I submitted a complaint to you around XXXX XXXX, but for whatever reason, I do n't think it made it to you as I have not yet received a confirmation email. This is what was submitted : There were XXXX unauthorized ACH withdrawals from my checking account this past XXXX XXXX and XXXX XXXX. I notified my bank after this first group of XXXX unauthorized withdrawals and told them to block any ACH withdrawals from this person. They assured me this was done and refunded my account the XXXX unauthorized ACH withdrawal amounts, without explaining how or why this happened. Thankfully, the amount of the first set of withdrawals was relatively small ( under {$300.00} ). This past month I noticed XXXX more unauthorized withdrawals ( totaling {$390.00} ) and after doing research, I found they were from the same individual as the XX/XX/XXXX/XX/XX/XXXX withdrawals. I again notified my bank on XXXX XXXX. On XXXX XXXX the last of the XXXX ACH withdrawals was refunded. I insisted on an explanation of how they allowed the same individual access to my checking account, after telling them never to allow this person access following the first occurrence in XX/XX/XXXX/XX/XX/XXXX. They said there was an " error '' made and that they assigned my checking account number as this individual 's MEMBER NUMBER and further explained to me, he used this MEMBER NUMBER to set up ACH withdrawals. They also explained their investigation concluded this individual was not committing fraud ( ref USAA response, XXXX XXXX, XXXX ) despite my complaint of fraud by this person. I wrote them back telling them they were totally at fault for assigning my account number as another individual 's " member number '' and this individual should be investigated further. I explained this individual was committing bank fraud because you can not set up ACH withdrawals with MEMBER NUMBERS, just routing and bank account numbers, and his NAME against my account number should have triggered a fault in the USAA bank security system, and should not have allowed processing of his ACH withdrawals against my account. I have asked many times for an explanation from USAA, only to get bits and pieces and excuses why this happened. Their bottom line solution was to advise me to open another account, which I did on my own anyway. I do not see how opening a new account assures bank account security within USAA, and want to know if USAA Federal Savings Bank can be held liable for damages and failure to provide security of bank funds. Additionally, I feel they are liable for these gross errors in assigning my bank account number ( and who knows how many others ) to another member and then processing ACH withdrawals under mismatched account numbers and account owner names. Attached is the history of my conversations with USAA bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There was over {$4500.00} in fradulent changes made on my credit card without my knowledge. The credit card company, BacklayCard, changed my address to XXXX XXXX XXXX, XXXX, MA without my authorization so I was n't aware of these changes. I never lived at this address so they should n't have changed my address. 

I was contacted by a collections agency several months later trying to recover the funds. At the time I let them now these are fraudulent changes and asked them to to put me in touch with the credit card company ( when I call directly I get automatically transferred to the collection agency. ) They refused but said they would let the credit card company know and they would contact me directly within the next XXXX days. A month later I was contacted by a different credit collections company. I told them the same thing and they refused to put me in contact the credit card company unless I had a police report. I filed police report and faxed them a copy. However I just checked my credit report and these charges are still showing as past due. This is now preventing me from getting a car loan because it 's significantly impacting my credit score. I could use some help getting this resolved asap. 

In summary, I did not make these and the bill was sent to the wrong address without my authorization so I was n't aware of the charges. Now the credit card company wo n't speak with me and they keep sending me directly to a collection agency. I filed a police reporting regarding the incident and faxed it to the collections agency but the charges are still showing past due and it 's significantly impacting my credit score. I do n't know who to send this to at BarclaysCard to get these charges removed and my credit score repaired asap. 

Thanks for your help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My husband and I have disputed XXXX several times. Each time it comes back as verified. I am have been disputing the loan amount, past due amount, payment history and account status. This dispute comes back the same each and every time.. Recently I received a letter from Transunion which states they verified name, address, and social and updated everything else. Well what they verified was not in question. How can they update information without contacting the creditor, I was told XXXX was never contacted by Transunion. I have included a copy of my credit reportXXXX XXXX letters from XXXX, an email between the CEO of XXXX and myself, and the XXXX letters from Transunion. I am ask Transunion to stop breaking the FCRA laws.

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 03/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have an issue with Navient. I called to settle my loans. The gentleman who answered told me i was eligable for loan forgiveness. If i made 3 installments. Which would be considered half my paymemt for my loan and they would pay the other half. Now im recieving statments requesting money from Navient. I called them and they said my momey i payed was just a servicing fee. Im trying to get to the bottom of this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Fraud or scam

Complaint: Hi, I sent {$470.00} ( included {$10.00} service fee ) to my relative in XXXX through Moneygram on XXXX/XXXX/2015, which makes XXXX XXXX. My relative in XXXX went to collect this money from XXXX of the authorized place and he was informed that it is already collected. I asked Moneygram about who took the money they never answered me with complete detail and put my money into investigation after taking some info regarding the transaction from me. Moneygram told me that it will take 90 days to give me answer. Whne I asked them that tell me from which place moneyis collected and what kind of id had beed taken while releasing money to the collector, provide me that info so that my relative can go there and fond out about the reality. Moneygram refused to give me answer. I sent this money to my realtive and it is not received by him.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Credit card protection / Debt protection

Complaint: We have a Best Buy credit card. We recently noticed we are being charged a fee each month labeled as " DEBT PROT XXXX. '' This is not something we signed up for or agreed to. We believe this is a predatory lending practice. The fee totals about 1.01 % of our balance each month. We have been charged a total of {$150.00} since XXXX 2015 which is the oldest statement we have access to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Debt collection (Auto debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have called the company on and spoke with representatives there XXXX times about this issue about my balance. I have been to the balance will update by the middle of the month. This has not happened and the old balance is still reflected and now their is a new balance required that I do not intend to pay before contacting legal counsel. This company appears to disregarding my last payment XXXX entirely. The showing balance of XXXX was my last statement balance and I have the records to prove this. Notwithstanding I stay updated on my account with this company at all times. I have had trouble with this company and I have another complaint for which is being addressed also. Nevertheless, my balance is improper and is XXXX plus accrued interest but not XXXX. Essentially I am paying principal now. I believe this is part of a harassment attempt by this company as your records ( at cfpb ) shows past complaint ( s ) against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: While I was informed by XXXX my credit score was XXXX, upon applying to lower an APR by transfering a balance on this one card we have, I was thrown back with the statement of not only a rejection .... but a low score of XXXX!!!! 

In addition, items that should have been removed years ago still remained on my credit report. Moreover, I even found a judgment on there that NEVER should have been for the story was totally different than a non-payment ... and the court system NEVER did a judgment on myself, nor notified me of any.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them

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 05/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On  XXXX   XXXX , I received an email from Navient stating that I had until  XXXX   XXXX  to contact them about setting up a payment arrangement. I emailed them right back and explained that I did not have access to a phone and would need to handle via email. They explained to me that I could not and needed to call. When I called Navient and explained my personal and financial situation,  XXXX  said that I could apply for an Income Based Repayment program but that there was no rush to submit my paperwork. When I called back the first week in  XXXX , suddenly my account was charged off despite  XXXX  explaining that there was no rush to submit paperwork and payments. I have been working with  XXXX   XXXX  to see if there was a resolution to removing the charge off status of my loan when she informs me that a loan of mine has already been charged off and was done so in   XXXX  . I never received any documentation about this, despite being in constant contact with Navient, including submitting forbearance and payment arrangement claims. I asked her who the collection company was and she said it was the same company for the new loan -- all new information to me.   She stated that her records indicate that the charge off is valid and that she has no record of my conversation with "  XXXX   XXXX  ''. I explained to her if I had been made aware that the information I received was time sensitive, I would have submitted the necessary paperwork but between  XXXX  and  XXXX , no one told me that my time was limited. Both of those ACTUAL representatives ( not an automated system ) told me that there was no rush to submit my application and paperwork, since I was in a particularly dangerous and volatile situation.   Now, speaking with  XXXX , apparently the burden is mine to prove that these conversations existed, regardless of their vast telephone monitoring software. And I must dig up my records to show that I actually spoke with  XXXX  and  XXXX . This does not even consider my apparent charged off loan that I never knew about and never received any communication with them in reference to. When I log into my Navient Account, but accounts still show as valid, current, and accepting payments.   This inaccurate reporting of loan information is dangerous. I now have practically insurmountable debt standing between myself and purchasing a home -- all because their separate departments do n't communicate with each other or with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On X/XX/17, I contacted the Debt Collection Company by the name of DIVERSIFIED CONSULTANTS, located at XXXX XXXX XXXX, XXXX, FL XXXX XXXX : Acct # XXXX, asking that they send me verification of the debt that supposedly I owed XXXX in the amount of {$240.00}, that 's appearing on the Credit File. I stated that the account had been paid prior to this amount being place on my credit file and asked that they provide me with Verification of the Debt. As of X/XX/17, Diversified has not responded. I also disputed the entry with the credit Bureau, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been vertified. When I contaced the credit Bureaus by phone, I asked what information did the company provide ( such as contract with my signature, names, bill or etc ) and was told they did not have that information available, that I need to contact the Creditor. Please help me get this inaccurate information removed. I may have owed XXXX but they were paid before this collection agency assumed the debt. Kindest regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to navigate the short sale process for 18 months on a property located at XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX. During this time, a cash settlement was offered and approved by Capitol One in XXXX of 2014. After approval, it was discovered that there were XXXX outstanding liens on the property. Upon the advice on my attorney, I filed Chapter XXXX Bankruptcy and as a result, the short sale process was re-initiated in XXXX of 2014. Since that time, I have had to be in contact with XXXX different individuals who continue to ask over and over for identical information, thus continually staling the process for a duration of 9 months. Most recently, I have received notice that a fore-closure procedure has been instituted, even though a cash buyer has and remains committed to the purchase and was previously approved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a credit card with XXXXXXXX XXXX XXXX XXXX 

The interest rate is stated to be 26.49 % which is excessive and I don't recall that being the agreed upon interest rate. 

Second problem is that I charged an item for {$63.00}. I made two partial payments and then the balance. I noticed on this most recent statement that XXXX 's charged me {$2.00} each month as a " minimum interest fee. '' The most recent balance was {$13.00} so a charge of {$2.00} interest would be 15.3 % of the balance amount which is an actual APR of 183.626626 %. 

There should be a law to protect consumers on this type of theft by corporations. 

I contacted the company and they state that 'it is simply their policy and if I didn't like it that I am welcome to cancel my credit card account. '

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 07/14/2015 about Debt collection (Credit card) with STONELEIGH RECOVERY ASSOCIATES, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt.

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 02-11-2018 about Vehicle loan or lease (Loan) with Lightning Fast Finance (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Im writing in regards to my father. He has since passed away. He sold his house to my husband and my self in XX/XX/XXXX we have been having difficulty paying our mortgage. All the paperwork that comes in regards to this is also sent in his name. Why? I have a copy of the original mortgage that show we took out he mortgage. He has since passed away from XXXX and we need to get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had a private loan that I took out in XX/XX/XXXX the maturity date was XX/XX/XXXX. It is now XX/XX/XXXX and they are trying to collect. Under the statute of limitations in California they only had 4 years to collect and failed to do so. Additionally I filed a chpt XXXX bankruptcy in XX/XX/XXXX and that loan was discharged b/c my school lost fed funding and we were required to take private loans-this is a reason these loans can be discharged. All other private loan vendors accepted this but not navient and they are hounding me incessantly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Other

Complaint: Hello, I had a credit card with Wells Fargo. Many years ago, it was closed by WF and I entered into a repayment plan in XXXX of 2011 with the understanding that they would draft {$52.00} from my account on the XXXX of every month until it is paid off. This year, in XXXX, they did not draft the payment. I received a late payment on my credit score which caused a significant drop in my credit score. I called and found that they stopped drafting it because I only owed {$8.00} and insurance which they needed to waive. I paid the {$8.00} promptly and asked to have the late payments removed from my credit reports. A month later, I received a notice that they had reported the information accurately and will not be removing the late payment. I do not think this is fair seeing that I did not stop the payment on my end. When I signed up for the repayment, the understanding was that it would draft until the account was paid off. The money was in my account at the time and should have been paid off. 

I worked with XXXX, a team lead in collections there. Her phone number is XXXX. Is this legal?

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 monetary relief
Consumer complaint received 05-07-2015 about Consumer Loan (Installment loan) with DISCOVER BANK (TX).
Issue: Taking out the loan or lease

Complaint: DISCOVER PERSONAL LOANS IS ADVERTISING AN INTEREST RATE AS LOW AS 6.99 %. I HAVE A CREDIT SCORE OF XXXX WITH GREAT INCOME AND LOW RATIOS. THE BEST RATE THEY COULD OFFER ME WAS 8.99 % WITH AUTOMATIC DRAFTS. IT IS MY BELIEF THAT NO ONE QUALIFIES FOR THE 6.99 % AND THAT THIS IS FALSE ADVERTISING. THE CSR ASK ME WHAT MY CURRENT RATES ARE ON MY CREDIT CARDS THAT I WANTED TO CONSOLIDATED. THIS SEEMS LIKE A WEIRD QUESTION UNLESS YOU ARE TRYING TO JUST BEAT THOSE RATES. I 'VE BEEN IN THE XXXX FOR 21 YEARS SO I KNOW AN A+ BORROWER.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WV).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: THEY SENT ME A SUMMONS TO SUE ME IN CIRCUIT COURT AND I TRIED TO EXPLAIN TO THESE PEOPLE THAT IT WAS NOT MY DEBTTHAT SON HAD DONE THIS AND WOULD THEY SEND MY A COPY WITH MY SIGNATURE ON IT SHOWING I HAD MADE THE PURCHASE AND THEY SAID THEY DID NOT HAVE TO THAT IT WAS ALREADY VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I recently had my credit pulled and noticed that this account was still on my credit report. I know for a fact they are reporting inaccruate information and I even filed a complaint with the attorney general in texas which as ignored and a BBB complaint. I looked up more information about this account and noticed that they are reporting inaccurate information and are not compliant with XXXX XXXX reporting. This account should not be on my credit and the biggest thing is that the late report date is XXXX 2013 when I have disputed it several times after that which means nothing was ever done or investigated.

Company response to consumer: Closed with explanation