milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Bank of America refuses to remove me from XXXX for something that was clearly a mistake. They are very difficult to deal with and I am not getting anywhere. I am about to hire an attorney to get this resolved. I will be suing for defamation of character and will find something legally that they are doing wrong so I can also open a class action lawsuit against this company. This the most uncooperative bank I have ever dealt with. It 's in the banks interest to remove me from XXXX because I will take this as far as I can. I will contact the media, attorney and anyone who will listen.

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 05-04-2015 about Student loan (Non-federal student loan) with Dominion Law Associates, P.L.L.C. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Dominion Law Associates. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (I do not know) with Sentry Credit, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a message on my answering machine from Sentry Credit XXXX on XXXX XXXX at XXXX. Fast talking woman left message saying it was an attempt to collect a debt and to call her back at XXXX. I am a retired XXXX was breached and I am covered by an XXXX paid for by the XXXX. I get monthly updates and have access to all XXXX credit scoring reports from XXXX, XXXX and XXXX. I also receive my credit score each month with XXXX of my credit card bills. I am not behind or late on any payments I do not owe anyone any debts. I believe this is a scam credit collection.

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 02-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have paid what was told to me as an outstanding balance unpaid in addition to make payments arrangements which are currently being taken out of my bank account only to have Navient continue to harass me and my references. I am also still in school and did n't understand why I was already having to pay them back. I did n't get an explanation on as to why, I just kept getting threatening letters and non stop phone calls. It is my understanding that if I 'm still in school I can have my payments deferred, I found that out by looking into my rights. I still have yet to have someone explain it to me and continue to get threating letters saying if I default on my loans they will take all my tax return and I owe the full amount. I would like someone to assist me who can make some sense of this for me. I feel I get no where when I speak to a Navient representative.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Medical) with NRA Group, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had received a medical debt from XXXX XXXX, I put in a dispute against them because it was a workmans comp claim, I then was contacted by National Recovery Agency who was also claiming the same debt. I filed disputes with both company 's and XXXX XXXX had it removed, I have made several contacts with NRA and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !

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 04-04-2018 about Debt collection (Medical debt) with CCS Financial Services, Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I contacted XXXX XXXX XXXX ( CCS ) at XXXX to inquire about a debt I owed. I spoke with XXXX who informed me of the debt and the balance of {$250.00}. I made a payment arrangement to process a {$50.00} payment on that day, followed by the remaining balance to pay on XX/XX/XXXX. XXXX confirmed this transaction and sent me a receipt for the {$50.00} payment. I have attached this receipt below. On Saturday XX/XX/XXXX I checked my bank account and saw that they in fact charged me the {$200.00} instead of the {$50.00}. I contacted CCS at XXXX at XXXX and spoke to XXXX . I informed him of the issue and he stated he would escalate to a supervisor to have it credited back in the amount of {$150.00}. He informed me it would take 12 business days to go back to the account. While I wasnt thrilled with this, it was an acceptable resolution. On XX/XX/XXXX at XXXX, I contacted CCS to see what the status was on the refund. XXXX placed me on a brief hold and then returned to tell me that they received approval to refund the {$150.00} and that refund check would be sent on or after XX/XX/XXXX. This is not acceptable. I now have bills I am unable to pay. She informed me that this was their policy. The policy being that the refunds take 30-45 days to send out. I again informed her this was not acceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Medical) with Suburban Credit Corporation (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I agreed to a XXXX procedure. I dispute the balance from the procedure because I did not get what I requested. The physician in question offered to repeat the procedure to give me the desired outcome. Why would I agree to pay XXXX for something that it is obvious the physician could not perform? It may be a good business model for the physician but in my opinion, it 's deceptive advertising. 

I offered to settle the disputed amount for less. Their response was to report a higher amount as a collection item to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Closing/Cancelling account

Complaint: I had credit card account at Capital one Bank, I paid the bill, which they charged me interest on my interest. However, I closed the account. They keep reporting the account as open to the credit bureau. I want it closed and removed from my credit report. They are like working with used car salesmen, very XXXX. XXXX shows it closed but XXXX shows a closed account and an open account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Application, originator, mortgage broker

Complaint: we have a home loan mortgage from CitiMortgage since XXXX we never missed any payment. last XXXX XX/XX/XXXX CitiMortgage said somebody made a stop payment for the check we sent. nobody made a stop payment. went to XXXX XXXX XXXX and clarified and no record for stoppage and check was cash by CitiMortgage and no return check. we tried to dispute and called CitiMortgage customer service so many times but na avail. while on dispute for 4 months late charges were added and we decided to send another check payment for that XXXX plus the late charges. now we are trying to get out of CitiMortgage and refinance to other and ca n't do it because our credit report showing we missed paying our monthly morgage and our credit report is no good/messed up. would like to clear our records resolved. thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Auto) with Account Managers, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: bought a vehicle and told them i was on a fixed income and had XXXX for down payment. when i arrived the passed me on to another sales person who told me he was working with me now. They told me i was turned down for a vehicle then a day later told me to bring my XXXX and pick up the truck. they said i need insurance but i told them i did not have any more money. so they gave me papers to sign saying for a promise to pay insurance i would let them take the money out for insurance from my debit card. the loan company finalized my loan then i was on my way. a day later my transmission was going out so i called them and they say the car was as is and there was nothing they could do. so 40days go by and they said to come pick up your license plates, but when i got there they started to harass me and say hey you owe XXXX then we will give you the plates. i said no and after a hour of an argument they gave me my plates. then when i started to monitor my credit i saw Grimm collection agency on my report. i explained to them what was going on and i did not owe this debt nor had been contacted about it. i was told they had sent the info to the wrong address. i gave her my address and she still sent it to a wrong address. i ask her to remove this from my credit report because it was a fraudulent debt. i contacted the car dealership and was not willing to work this out and to contact the collections agency. so i do n't know what to do because this is a fraudulent debt from a dealership with questionable practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I had an outstanding account with XXXX. Zenco Collections is the company that is harassing me. Threatening me, suing tactics ect. I have already settled the on the account. I made three installments. I, {$200.00}, 2, {$400.00}. Still have n't received my letter of release.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Our identities and accounts were stolen because of improper security with Equifax. In XX/XX/XXXX they knew of the issue and did not report it until 2 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: My name is XXXX XXXX. When I purchased my rental house, it was suggested that I should open an account with Wells Fargo. Not only did I open a checking and savings, I also opened an account for my children. When my son turned XXXX years old, he was told to convert his account to adult. While away in college, my son went to XXXX, Wells Fargo to do what needs to be done ( close the kids and open an adult checking account ). Since he did n't have his social security card with him, his new account was put on a temporary status. He was given a day to bring his social security which he neglected to do. I told XXXX of the Wells Fargo representative to close his account because at that time I could n't open my safe where I out his social security card. Last month, I received an email from Wells Fargo stating a bill pay was suspended due to lack of funds. I called Wells Fargo to inquire about the email I received. When I gave my debit card number, I was asked more authentication making sure it was me. After being on the phone for over 10 minutes, the represent informed me that the debit card I gave to him was n't valid because my personal checking account is closed. I asked them who closed it, but that 's when I realized that they are supposedly closing my son 's checking account. I asked him if my son 's account is open and he informed me that his account is still open. Wells Fargo made a mistake of closing my account instead of my son. He then procee to tell asked me if I wanted to reopen my checking account. I told him " yes. '' He transferred me to another department. After giving my information for the new checking account, I was told that they could n't open it for me and that I will be getting a letter in the mail. Few days later, I received their letter with the reason why they could n't open a checking account for me. Basically, they could n't open a checking account for me because of my history and credits. 
First, they made the MISTAKE of closing my account instead of my son. Second, I DO N'T recall having NSF on my checking history. Third, my mortgage with Wells Fargo is in good standing. I do n't keep a large amount in my Wells Fargo account because our primary account is with XXXX. When they found out that they closed the wrong account, I never received any apology for their mistakes. 
Your response are greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Chapter XXXX bankruptcy ; Bankruptcy complete. XXXX is showing as 120+ days overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : Please be advised that I have received your correspondence dated  XX/XX/2017    This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid.  See   FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.   I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.   Awaiting your reply in a timely manner.   Sincerely,  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with CITIZENS FINANCIAL GROUP, INC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I would like to submit a complaint against Citizens Bank. I recently was approved for education refinance loan for XXXX from them to get a new loan with a better interest rate. The funds were disbursed and now I am having two issues with my loan servicer. The biggest problem is my account login page now shows two loan balances, one for the previous loan and one for the new loan. and now they are collecting interest on both loans because the original loan balance has not been shown as being paid. The other issue I am having is that my original loan pay off amount at the time of disbursement was {$30000.00} which means they added {$390.00} to my balance which is not asked for. They have loaned me an extra {$390.00} and that amount has not been either applied to my loan balance or refunded to me. I reached out to them and they said it takes extra time to process but this is taking too long as it has been nearly a week since this has shown and since they are the original loan holder they should be more efficient to correcting and resolving these issues, because everytime they wait I am being accrued extraneous interest charges from a loan that should have been paid off and off the books. So far the extraenous interest charge is almost {$16.00} and growing. I would like this resolved immediately, I would like the extraneous interest I am being charged refunded to me or applied back to my loan and I would like that extraneous balance of {$390.00} loaned to me either refunded to me or applied to my new balance. If this is not resolved shortly I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Opened a few fraud cases when I did not use my atm card lost my pin and reported to Bank of American they did not want to pay my claims!!

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 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Remex, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a hospital bill in the beginning of XXXX for a deductible for the XXXX of my child on XXXX/XXXX/XXXX. I disputed the bill with XXXX XXXX, and a woman called and spoke to me regarding the deductible. She informed me that she will send me some information regarding the bill, and I should call my medical benefit provider to discuss more about my deductible amount. I was disputing the deductible, because I 've paid over {$1000.00} in XXXX as a deductible for visits during my XXXX. In the interim, I received a collection letter from Remax Inc, attempting to collect said debt. I called the debt collector on XXXX/XXXX/XXXX, and I informed him that i am disputing the debt. He advised me that he will notate the file, and he will follow-up with me regarding the results. I called the accounting department at XXXX XXXX on XXXX/XXXX/XXXX, and the lady claims she had no clue I was disputing the hospital bill. She insisted that I pay the bill. I started paying the bill in monthly payments of {$25.00} a month, which is the same arrangement that I made with XXXX on the other deductible payments in XXXX, So far, I have paid {$75.00}, and I received a notification that Remax , Inc. has entered themselves as a collector on my credit report. Remax never called me after XXXX/XXXX/XXXX, and they should have been notified by XXXX of my payments thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have dealt with Navient Since 2015 when I got current with my student loans I started paying them. I got a different payment play every month I refused to put my account on auto draft. They put me on a placed me on a income based plan paying {$56.00} the next month my acct was autodrafted over {$100.00} when I called back the agent told me they took me off my income based plan because I did not qualify then they had me pay {$72.00} then it went up again to {$150.00} I went up to a supervisor who told me I made too much last year even though I got married and supported my spouse who was unemployed. I went then on deferment for 6 months and now I am in school. I do not want to deal with Navient and their trickery because they do not have my best interest as a borrower in mind they just want money.

Company response to consumer: Closed with explanation