milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit card protection / Debt protection

Complaint: Please review the enclosed correspondence with Capital One regarding a plane ticket I purchased for {$710.00}. I was unable to use the return portion of the ticket to return home without any explaination why. I was given no alternative except to purchase a new ticket from XXXX XXXX for {$300.00} if I wanted to return home on the same scheduled flight as specified on my original ticket that I purchased for {$710.00}. Capital One claims to have done an investigation but posted the charge back on my account. Capital One refused to provide a reason verbally or in writing as to why the charge was refilled to my account. For this reason, I feel I was defrauded because I was not able to utilize the return portion of the original ticket. Furthermore, I consented to a re-review of the case dated XXXX/XXXX/2016 ( I spoke with XXXX, a Cap One supervisor ) however as in the past, there was n't any documentation in Capital One 's records that the re-review was performed. Capital One appears to have violated regulations regarding resolving the dispute within 1 month, and refusing to comply with my request for a written reason explaining the action taken -- re-posting the charge to my account as requiured by XXXX and Federal regulations. The Cap One dispute center never sent an affidavit for me to sign regarding my dis [ pute which makes me suspect that there was never an investigation or a re-rteview as I was promised by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Credit Central Holdings, LLC (AL).
Issue: Problem when making payments

Complaint: I took out a loan with Credit Central located at XXXX XXXX XXXX XXXX, XXXX Alabama, XXXX in XXXX of 2017. My payment date is due on the XXXX of every month. I get paid once a month between the XXXX - XXXX and i always pay them when i get paid. On the XXXX of every month and and least 3 - 4 times a week they start calling me and harassing me wanting to know when they can expect a payment. I tell them they will get paid between the XXXX- XXXX everytime they call again at least 3-4 times a week. I always mail them a payment but they never send me a receipt. I ask them to mail me a receipt but they never send one. They tell me they are not obligated to send a receipt unless i mail them a stamped self addressed envelope. i am according to my records 2 payments away from having them payed off. I plan on sending a payment on XXXX. I need help with the uncalled for harassing phone calls every month.
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was with XXXX. I received paperwork claiming my payments were being applied towards my student loan forgiveness. I have documents showing I have seven years of credit towards the loan forgiveness. Then I was told I had been moved to my XXXX. My XXXX says navient had me in the wrong payment plan and now those seven years do n't count towards the 10 years of payments I have to make to get my public loan forgiveness. This will cost me roughly XXXX in additional payments. 
XXXX also handled my loan consolidation after I graduated. They insisted I had to consolidate into XXXX loans not XXXX. Now XXXX, also a Sallie Mae division, says it should have been XXXX but it 's too late now to fix it. That error will cost me another roughly {$6500.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with Medical Recovery Services, LLC (ID).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The first and only notification by Medical Recovery Services , LLC was dated XX/XX/XXXX and violated section 809 of the Fair Debt Collection Practices Act. None of the required statements were provided on the only document received. The next contact by Medical Recovery Services , LLC was being served a summons notice that I was being sued. 

The following sections of the Fair Debt Collection Practices Act were violated. 
Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 809. Validation of debts " ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' No notification was provided by XXXX XXXX XXXX at any point between XX/XX/XXXX andXX/XX/XXXXto the address or phone number provided on the HIPAA form filled out when service was rendered. After being notified of a potential debt by Medical Recovery Services per the letter dated XX/XX/XXXX, I visited XXXX XXXX XXXX on XX/XX/XXXX to inquire if I had an outstanding balance, based on my medical insurance reflecting adjustments and payments being made to them regarding the claims and having received no bill. The receptionist looked in the computer system and stated that he believed that there was no balance currently due. He said the billing office would validate it and get back with me if there was any debt still owed. 

I left a copy of the bill from Medical Recovery Services and requested that they contact Medical Recovery Services once they confirmed no balance was due, or if they determined a balance was still due, I requested them to contact me at the phone number and address provided on the HIPAA form and to send an itemized bill. The receptionist agreed to these requests. No further communication was made by XXXX XXXX XXXX or Medical Recovery Services, so I believed the debt to have been fully paid and the issue resolved. 

I was served notice of a Civil Lawsuit regarding the debt onXX/XX/XXXX. I promptly went to XXXX XXXX XXXX, also on XX/XX/XXXX, and they provided an itemized bill of what was still owed. I paid the balance in full on XX/XX/XXXX to XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I took out a car loan with Toyota Financial Services in XX/XX/XXXX, the payments of XXXX were due on the XXXX of every month. After starting the contract with them I asked for a due date change, and we agreed on the XXXX of every month. TFS sent me paperwork to sign and I signed and sent it back. At this point the new due date is the XXXX of every month. The first payment according to the new contract with the new due date is XX/XX/XXXX. I began making my payments according to the the new agreed upon due date, however TFS has not been reporting the payment according to the due date of the XXXX, which has cause multiple additional fees and a negative credit reporting. They are being unreasonable with resolving the matter This is the second time I am trying to resolve this issue. The mere fact that Toyota updated 5 of the late payments that they were negatively reporting since XX/XX/XXXXis evidence that they make mistakes and obviously over look them for approximately 5years. Also It was mentioned by TFS rep that the statements that were mailed out had the due date of the XXXX on them, I never received the statements from Toyota because they failed to update my address as requested as well as my last name. I also would like to bring it to your attention that my XX/XX/XXXX payment is being reported as 30 days late and it is also not accurate. You guys received the payment to close the account and cash it well before the payment could be deemed 30days late. I need for the inaccuracy of late reporting to be removed and acknowledge that I had a due date of the XXXX and that TFS made a mistake Im not updating the information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (AZ).
Issue: Settlement process and costs

Complaint: I paid for a house appraisal in XX/XX/2016 asked for by AFR doing business as Elend. I had applied for the Refi loan in XX/XX/2016. I submitted all documentations they asked for. It took them so long to process the loan papers that the " 4 '' months window for the validity of the appraisal ( per their loan employee ) they gave me, expired. In XX/XX/2016, they demanded that I re-appraised my property again. I objected as it was on their end that the process stalled. I asked for a refund for the appraisal costs as I found a more reputable company to process my loan. The loan officer I spoke to at eLend refused to reimburse me. I, then, contacted a law firm, gave them the factual information and they wrote a demand letter to eLend on my behalf asking them to reimburse me for the appraisal fee. The law firm for the eLend, AFR, company emailed me a legal letter stating that they do not refund money. When I received the letter from AFR, I contacted the law firm I asked for advice and they advised me to contact yours and other agencies who could be better able to help me to file for a complaint. The company information in question is- AFR American Financial Resources , inc. doing business as eLend. I would like to file this complaint as a warning to other borrowers who may want to do business with this company. I researched eLend online and found that there are also many other people who lost money the same way I did dealing with this company. If legal documentations, emails between eLend and I, etc., of the facts stated above, needs to be presented please let me know and I 'll provide it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Bank account or service (Checking account) with Synovus Bank (GA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with XXXX ( Synovus ) as they were offering a {$200.00} new account bonus and fee free checking. There were a few stipulations which I met such as Online bill pay, debit card use and Direct Deposit. I indicated at the time of account opening that my Direct Deposit would be via an ACH from my other bank account as I was self employed. Iwas told that this would be okay. Indeed, I use this same method to make ACH deposits to another account I have so as to avoid monthly fees. 

On the first full statement cycle, I was charged a $ XXXX monthly fee. I indicated at that time that if the bank would not honor their commitment then I would close the account. I was delayed in closing this account as there were a couple of pending debit transactions. Subsequent to that, I was charges additional fees because they would not close the account in a timely fashion. 

I have asked the bank to : 1 ) Refund all of the fees charged to me on this account as they did not fulfill the agreement with me about the bonus and the fees. If fact they charged additional fees. 

2 ) Amend their promotional documents to clearly state that ACH does not count as a direct deposit. The bank also needs to train their employees such that they clearly understand the promotional requirements and can communicate same potential customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Federal student loan) with ECMC Group, Inc. (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I obtained a credit report and noticed negative information being reported by Educational Credit Management Corporation ( ECMC ). Not recognizing the alleged debt, I attempted to dispute the debt with ECMC. The dispute was returned as un-deliverable. I obtained credit reports from XXXX different CRA 's, both with negative, unrecognized information. XXXX different CRA 's reporting from ECMC provided XXXX different address for ECMC. I sent a dispute to both other address. Copies are attached, with USPS certified mail confirmations. 

I filed a complaint with the CFPB about the mis-representations of ECMC in my credit reports. ECMC replied with an alleged loan summary for an entirely different individual. ECMC also replied to my mail disputes by providing a simple spreadsheet printout. Evidently this simple spreadsheet confirms a debt. Evidently, according to ECMC, all that is needed to collect a debt is a spreadsheet with a couple columns. 

I do not have any documented evidence supporting ECMC 's negative reports and/or debt collection activities. ECMC has not supplied any verified documentation supporting their reporting. I filed bankruptcy four years ago and still have debt collector vultures harassing me. The alleged debt might have been paid in full. The alleged debt might not be mine. The alleged debt might have been discharged in bankruptcy. Despite all this, ECMC continues to report negative information in my credit reports.

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 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IC System is reporting a debt of {$380.00} from XXXX under my name to XXXX credit reporting agencies -- XXXX, XXXX, XXXX. Unaware of such an account, I requested that IC System send me specific information pertaining to this debt under Texas XXXX XXXX XXXX XXXX XXXX XXXX ( see attached letter XXXX. According to XXXX XXXX, when requested, a debt collection agency or credit bureau must provide the alleged debtor with specific validation information concerning their alleged debt within XXXX calendar days. 

The debt validation request was mailed via XXXX Certified Mail with Return Receipt on XX/XX/2016 and received by IC System on XX/XX/2016. IC System has been given more than XXXX calendar days to provide a timely response, but has failed to respond at all. 

Per XXXX XXXX XXXX d ) ( XXXX ), failure to respond to the request within XXXX calendar days, or failure to validate the debt, requires IC System to delete their tradeline from all credit reporting agencies. 

In addition, since receiving a request for validation, IC System has submitted a " XXXX '' remark to the credit reporting agencies ; an action that I did not request. I merely requested more information about an alleged debt, which is fundamentally different from disputing such debt. IC System took it upon themselves to report a dispute that I did not request. 

IC System is not only attempting to collect a debt that they can not or have not validated, but their collection practice is irresponsible. This feels like a bullying tactic to ( XXXX ) make a person feel guilty about requesting more information, and ( XXXX ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.

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 05-05-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problems caused by my funds being low

Complaint: I have a complaint against Wells Fargo Bank. 

I gave XXXX my bank account number and routing number to withdraw money on a certain day. 

When that day came, I did not have money in my account. Wellsfargo charged me {$35.00} for not having money. XXXX tried to take money from my accoutn continuoisly every day. It has caused XXXX to XXXX times {$35.00}. When I called Wells Fargo, they refused to refund the whole fee. I earn $ XXXX as a XXXX. Paying {$140.00} out of my meager income in Wells fargo fees is over whelming. 

The bank is practicing lack of compassion and poor judgement in this punitive act. 

Please have Wells Fargo refund the {$140.00} to me. Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Mortgage (Other type of mortgage) with Fay Servicing, LLC (TX).
Issue: Trouble during payment process

Complaint: I filed a complaint with CFPB # XXXX. FAY Servicings response was that they never receieved the signed documents back from us however we did send the signed notized documents i have attched a coy to this complaint maybe this will resolve our wrongful forclosure issue and we cant restart making our monthly payments soon. Thank you XXXX XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with JPMORGAN CHASE & CO. (AE).
Issue: Late fee

Complaint: I have two credit cards through Chase. Chase recently redesigned their website and now I am experiencing difficulty in making payments. I was able to schedule a payment for one credit card, but for the other card the website will not let me make any entries for method of payment, date of payment, or payment amount. I have sent several messages to Chase about this problem but each time they respond by saying they appreciate my concern but I am still required to make at least a minimum payment or I will be penalized with a late fee. I have asked them, again, several times how I am supposed to do that since their online payment portal does not work. I am stationed overseas so sending a check ( which I ca n't since I do not have a checkbook here ) by mail will get there very late. I have been a Chase customer for over 15 years and have never missed or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (FHA mortgage) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Application, originator, mortgage broker

Complaint: XXXX As the listing agent, I received a conditional pre approval letter from Umpquah Bank. 30 days later - 4 days prior to closing - the loan was denied due to insufficient income! The lender at Umpquah said that the buyer 's financial documentation was not provided until 21 days after mutual acceptance of contract. At that point the lender discovered they could not qualify. I asked why we received a conditional loan approval and he said he always does that even if they are not pre-approved. I called his supervisor in XXXX, Oregon. To my dismay, she confirmed that is a common practice. Umpquah will provide a pre approval letter even if they know the buyer is not pre-approved. She went on to say it is my fault for not asking the right questions and just taking it for granted the pre approval was actually a pre approval. She said they do n't want to lose a buyer to another lender if they do n't provide a pre approval letter. I told her I think she is doing something against what the guidelines of the CFPB by providing a pre approval letter with zero income documentation. She said she is not doing anything wrong. The seller had a bidding war and chose this buyer based on pre-approval and other terms. If the buyer was not pre-approved, we would not have chosen this buyer. We lost time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied for a credit card in 2015. When I was notified of my score by that institution, I knew something was wrong with the lower score and applied for a free credit report from XXXX since this was the agency used by the financial institution. XXXX showed a past due debt of {$400.00}, originally over {$600.00}, to XXXX. My TV and internet service are with XXXX, however, I have paid them on time every month. I then called XXXX to learn more about the debt, especially since I have never received anything from them of the debt. I was informed the debt originated in XXXX IL by someone with my name and SSN but the acct number does not match mine in TN. Over the course of 8 months, I have spoken with at least XXXX XXXX personnel and faxed info to prove my identity and residence to various phone numbers only to be told they did not receive it. I even filed a police report and sent a copy of that in case this was an identity theft issue. I disputed the reporting with XXXX but got nowhere. Now the account is with Convergent Collections who wrote me a letter this month. I have responded to that letter making them aware I will not pay a debt that is not mine and gave them a history of tasks I have done to prove this. Today, I again, faxed the same/additional info to XXXX after speaking with a rep named XXXX. I feel this is an internal error with XXXX as I have monitored my credit reports and there are no ill reports on my bureau. In the time that has elapsed, if someone had stolen my identity, there would be more than a past due XXXX bill in the report. I can not get anywhere with anyone from XXXX to help with this issue. I have requested a copy of the past due debt from XXXX and Convergent and disputed the debt again with XXXX. I am XXXX yrs old and have always paid my debts on time. My credit score has always been excellent. I do not deserve to have to deal with problems such as this. These huge companies should not be able to ruin peoples lives. If XXXX has a debt I owe, they should be willing to produce a bill or notice of proof. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage has been with Roundpoint Mortgage for several years and we have never missed a payment. I get repeated calls from them as " payment reminders '' even though the payment is not late. Today ( XX/XX/2016 ) I received 2 calls from Roundpoint Mortgage ( XXXX ) within 30 minutes. I have our bank account set to automatically pay the amount due prior to the due date every month. As I said, we have never missed a payment or been charged a late fee. When I spoke to the second person today she said they would continue to call me until they get the payment, like I 'm a deadbeat or something. It is total harassment.

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