milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I applied for and opened a free checking account with TCF bank on XXXX/XXXX/XXXX, as I was browsing for a new bank and thought to give them a try. I funded my account with a {$500.00} transfer from my existing XXXX checking account on XXXX/XXXX/XXXX. A member of XXXX 's loss prevention team called TCF to verify my account with TCF was in fact controlled by me when I initiated the transfer, and then TCF inexplicably closed my account the same day ( see attached ). 

I contacted their customer care account on twitter, @ TCFCares, and spoke to a man named XXXX. He gave me his phone number as well XXXX XXXX XXXX XXXX ext XXXX ), and we spoke. He explained that XXXX needed to call TCF again to verify my account was not fraudulent, and so I called the XXXX, IL XXXX branch. 

I spoke to XXXX XXXX, who is a XXXX XXXX at that location, and she called TCF and explained that yes, my account is legitimate and that the transfer for {$500.00} was in fact initiated by me. I verified my identity with her by going into the branch with my identity documents ( photo ID and a Chase credit card of mine ), and also verified the account at TCF was mine by bringing in the documents I 'd received from TCF in the mail. 

After this, TCF insisted that I had to actually come into a branch with my identity documents to verify who I was with them. I tried to explain that I live XXXX miles away from the closest branch in XXXX, IL, but XXXX said there was no other way. So, I drove to the branch with my identity documents ( SSN card, photo ID, recent utility bill ) and the XXXX ( XXXX, business card attached XXXX told me that she had submitted my paperwork to the 'back office ' but that I would have to wait XXXX business days for a response. I was logging in to the TCF online banking website every day thinking I 'd get a message there or just see that my account was now 'Open ', but I never heard anything. 

By the XXXX business day, I contacted XXXX again and explained that I had n't received an update. He contacted the management at the XXXX location I 'd visited XXXX branch XXXX XXXX XXXX, business card attached ) and then told me that they said because my account was still closed, there was nothing they could do and that I would have to come into the branch again in order to withdraw my funds. I again drove XXXX miles each way to make my withdrawal and close the account, and XXXX informed me that my account was listed under 'Hot file ', which indicated it was still considered fraudulent. 

XXXX verified with XXXX XXXX that XXXX had contacted him earlier in the day about my situation and that I should be allowed to withdraw my funds with my photo ID and just XXXX of the documents I 'd received from TCF, provided me my funds, and closed my account permanently.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Multiple times ranging from probably about  XXXX  to  XXXX  I was repaying loans or putting them in forbearance which was requested I do so I would n't have to make any payments on the loans.  Little did I know that a lawsuit was created against Navient  XXXX   XXXX  due to this issue amongst others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (MD).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX, I received an email from Citibank containing an offer to " Earn up to {$700.00} cash '' for " mak [ ing ] a qualifying deposit in a Citibank Savings Plus Account or Citi Savings Account. '' I enrolled in the offer the same day I received the promotional email from Citi on XX/XX/XXXX. I clicked through the link in the email to enroll in the offer. A few days thereafter, I funded the Savings account, precisely for the purposes of meeting the offer 's conditions. I also maintained the required funds through XX/XX/XXXX, as required under the terms of the offer ( again, specifically for the purposes of meeting the offer 's conditions ). I 've tried to resolve this with Citibank Customer Service a few times now, but they continue to claim that I never enrolled in the offer or satisfied its conditions. I would not have gone through all of these precise steps, if it were not for the offer.

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 04-07-2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Was contacted by Dynamic Recovery Solutions in regards to a debt from XX/XX/XXXX. I asked to be mailed a statement of debt and received a statement by mail on XXXX/XXXX/XX/XX/XXXX 

Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXXXX/XX/XXXX and spoke to their billing department and was told that all there was no open account and they did not send anything to collections. I have no debts on my credit score and Dynamic Recovery Solutions " helpfully '' informed me that if I paid them then nothing would go on my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2018 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I am being harassed for student loans that are not mine. I had a student loan for {$2700.00}. They are trying to collect {$42000.00} from me saying they are mine. In fact these are my ex wife 's loans. The only proof they can provide is a promissary note with me as the borrower and my ex wife as the co borrower. DOE guidelines States that only a parent or gaurdian can cosign for federal student loans. Which proves that these loans that they are trying to collect are not mine. Being that the cosigner is my ex wife. I agree that i had a student loan and the promissary note is mine but for {$2700.00} only. I have requested the original contracts and promissary notes for those loans and they can only produce 1 promissary note.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Was unable to make payments on a loan I took out with XXXX, due to illness. The account was sent to National Credit Adjusters and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Medical debt) with Advanced Collection Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently had fraud happen to me.  So this topic is very important to me.  I went through my credit scores and finances.  I noticed two debts owed to an "Advanced Collections."  One account was opened in XX/XX/XXXX for XXXX dollars.  The other was opened in XX/XX/XXXX for XXXX dollars.  I then sent a validation letter via certified mail to Advanced Collections. I then waited a few weeks and they sent something back.  I expected something signed saying I owed money and instead they send me no Validation to owing on these these debts.  During this time, said debt is on my credit report, damaging my credit report and influencing decisions on loans, credit cards, insurance, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (VA mortgage) with Shellpoint Partners, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was closing on the refinance New penn told us to close certain credit cards when we stating they didnt tell us we signed the initial documents and showing what was being paid off.New Penn double charged me for the appraisal fees when I provided proof showing that I paid my appraisal fee with different lender they still charged we were told that we are going get our money back.New penn financial should not have close credit accounts if the loan was not approved.This has been the worst experience applying for a loan they ask me provide divorce decree for something happened back in 2004 it doesnt have anything to do with current lender.They prolonged the closing date 3 times because they didnt verify documents. I am asking for my {$600.00} appraisal fee back, also the extra mo

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 02-07-2018 about Debt collection (Other debt) with ResidentCollect, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This account was sold to the following : Resident Collection XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please see a screen print of my credit file under the XXXX XXXX, The original company is listed as " XXXX XXXX XXXX  '' In 2015, I was discharged of a chapter XXXX bankruptcy and this debt was included in that bankruptcy. For almost 3 years now it still shows up on my credit report and continues to make my life XXXX. 

In addition, I've never done business directly with this debt collection agency before and they have not provided me with any documentation that states this is a valid debt through verifiable documentation ( an agreement that I've signed directly with them ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I keep getting a call from XXXX, from somebody who claims to be a debt collector, and not only do they refuse to reveal the name of their company, but they have yet to send me any of the paperwork required by law, and I have yet to receive a single scrap of paper from them, and it 's been well over a month. The FDCPA requires a written " validation notice '' telling me how much money I owe within five days after they first contact me. This notice also must include the name of the creditor to whom I owe the money, and how to proceed if I do n't think I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America XXXX. XXXX XXXX was the XXXX lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX saying they had the loan now. We disputed the validity of this debt. XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX ) that foreclosed on homes and should not have.

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 non-monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Medical) with Io, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i have an acocunts from XXXX that were sent to RMS as a result of not initially sending bills to my health insurance carrier. i spoke with XXXX at XXXX on XX/XX/2017 and verified that i have had balances sent to a collections agency for bills that were not sent to my insurance carrier in error. she assured me that the bills in question for XXXX dates of service ( XXXX and XXXX ) would be sent to my health insurance and the accounts would be removed from collections. to date this has not happened. i have paid XXXX, XXXX, and XXXX in access. RMS currently reports a bill for XXXX ( XXXX submitted to my health insurance XX/XX/2017 and has been paid ). there are XXXX dollar fees and interest tagged onto all collections balances. i want a full refund for all clerical errors. today ( XX/XX/2017 ) i spoke with XXXX ( a supervisor ) and XXXX at this point they have resubmitted the claims correctly to my health insurance. i want all of my money back including the fees and interest from RMS. i also want all balances take off of my credit report ( XXXX and XXXX )

Company response to consumer: Closed
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent numerous letters to XXXX, Equifax, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the Equifax Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX customer for agreement period of 3 years XX/XX/XXXX-XX/XX/XXXX. Let service continue till I relocated in XX/XX/XXXX. XXXX claims I owe a cancellation fee. I asked for copy of contract and supporting documents from XXXX and Receivable Performance Management. XXXX says they have none but to look at their website for policy. I said show me agreement from XX/XX/XXXX when i enrolled. They turn over to collections which hit my credit report XX/XX/XXXX. No notification, warning. Received call from collection threatening if I dont pay they would report to credit bureaus. This call took Place XX/XX/XXXX. Thus 3 months after it had been placed. Want this removed from my perfect credit report at all XXXX bureaus. Receivables Performance management is Collection Co out of WA state. Thank you for the time

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 10/24/2017 about Mortgage (FHA mortgage) with Selene Finance LP (NC).
Issue: Trouble during payment process

Complaint: Selene Finance is not giving me my original promissory note signed XXXX XXXX, when requested in XXXX way over XXXX days recommended per request. I also been calling and requesting a XXXX number because my mortgage is a security agreement and i need the number to file a XXXX and XXXX XXXX, along with a XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OH).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo has refused to file CRA history to my records as co-mortgage holder after a bankruptcy discharge in 2007 and a signed reaffirmation agreement with original deed holder. We have tried for several months using USPS certified mail, email, phone and attorney conversation to have this issue corrected. This has affected our refinancing of our property and my ability to obtain credit from other creditors.

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 03/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: For the past month I have tried applying for an income-driven repayment plan. I have met all the requirements and completed all requests necessary for this repayment plan as required by Nelnet. 
When I first applied, I was told to submit a self-certification letter stating the name of XXXX agencies I do work for, pay frequency, hourly pay, and to state in the letter that taxes are not taken from my paychecks as a XXXX. I submitted the self-certification letter with all that information and a few days later they sent me an email saying that I needed to resubmit the letter because pay frequency was missing, which was not. I called them and they told me to write the letter again but to include a statement saying that taxes are not taken from my paychecks ( that is not what the email said ). I wrote the letter again and today I got the exact same email again, saying that my self-certification letter is missing pay frequency, so they 're asking me to rewrite the letter and include that information, which I already did in the previous two letters. I called Nelnet and they told me that this time I need to include a sentence that says that I get paid once a month ( as opposed to every three weeks, which is what I wrote in my previous two letters ) and to exclude the sentence that says that taxes are not taken from my paychecks. First of all, the email they sent me is requesting something completely different from what they told me on the phone. Second of all, now they are asking me to NOT include the statement about my taxes when previously they denied my letter precisely because the letter did NOT include such a statement. The people at Nelnet are just simply refusing to accept my letter and process my request. This is discrimination. I kindly request that you help me resolve this discrimination issue. This act of discrimination is not only wrong in itself but it is also affecting my account because it is already showing as past due since my first monthly payment is now due and because they have refused to process my repayment plan request it will give me bad credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: We have a first mortgage with BMO Harris bank. This mortgage was first issued in XX/XX/XXXX, and was acquired by BMO Harris bank through a series a bank mergers and acquisitions. 
As a side issue, my wife and I filed for bankruptcy in XX/XX/XXXX. We did not reaffirm the mortgage debt, but continued to make timely payments as our intention was to keep the property. 

Shortly after BMO Harris acquired our mortgage, they stopped sending us monthly mortgage statements. Because it is an adjustable rate mortgage with property taxes escrowed, the monthly amount due changes frequently, at least twice a year. We do not receive any notice of these changing amounts due. As a result, at times we continued to pay an older amount due that was no longer sufficient to cover the entire amount due. 
In these situations, BMO Harris will place the paid funds in a suspense account, again without notifying us of the shortfall. 

Needless to say, this soon results in a mortgage payment that is 30 days past due. BMO Harris is prompt on reporting the past due status of the account to the credit unions, before even giving us a chance to make up the shortfall. They also add on numerous late fees and penalties, again without notifying us of the existence of these fees and penalties, which increases the shortfall in the subsequent months. 

Over the last several years, we have made numerous requests, both by phone and in person, to have monthly mortgage statements again sent on a regular basis. BMO Harris has never complied with these requests, and has never provided an explanation for why they refuse provide monthly statements. 

It is unconscionable for a large bank such at BMO Harris to deliberately refuse to provide regular statements of the amounts that are due to avoid late fees, penalties, and adverse credit reports, yet promptly send adverse credit reports to the credit bureaus. The adverse credit reports have had a direct and negative effect on our financial dealing, more recently resulting a car loan being obtained at a much higher interest rate than was initially offered.

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