milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: once again citizens bank has charged my account an an overdraft fee that should not apply. I find my experience with Citizens bank exhausting. Upon looking at my account this morning I discovered I had been charge 2 over draft fees equaling XXXX dollars on 2 transactions one dated XX/XX/18 a transaction went thru for XXXX wich left my account with XXXX cents my second transaction which posted latter that night from XXXX for XXXX. XXXX left me negative XXXX cents but citizens charge me for 2 over draft fees Maybe some one should start looking into this bank. Something seem very shady about all of this. It has been becoming a job to make sure my own bank is not over charging me for fees someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have recently received e-mails regarding the change in repayment plan that was set to expire at the end of next month. Navient had mentioned that I call them if I would have difficulty making the payment. My current budget had allowed for the repayment plan that I was currently on but the new repayment plan I was required to take on is outside of my budget and does not work for my financial situation. I called Navient today and spoke with XXXX ( XXXX ) and explained my financial situation and asked for estimates on proposed payment plans - he explained that due to my income level I did not qualify for any alternative repayment plan. I asked him how the repayment qualification process worked and whether consumers were aware of how and at what income levels we qualify for repayment plans. He told me that he did not have that information and that it was not available to consumers. I felt that this policy is very opaque and does not offer consumer 's the full understanding of why they have to pay specific repayment plans. Given all of the income and financial obligations that I have I would like to know how and why Navient builds their repayment plans ( what percentage over time and whether they can extend the life of the loan and whether there are actual repayment options ). I have been faithfully paying my loan since 2010 and do n't appreciate that arbitrary and non-transparent nature of my service provider. I 'm willing to make payments but do n't understand why my provider can not find common ground with me to make payments and work with my budget.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: In   XXXX   XXXX   XXXX    , I contacted ChexSystems via email to inform them that  XXXX   XXXX  had incorrectly reported an address that I have never lived at or used.     On   XXXX   XXXX   XXXX    , I received a written letter in response stating that since the address was submitted by a financial institution it was being retained in my file.     Since the  Federal Fa ir Credit Reporting Act requires them to correct or delete inaccurate, incomplete or unverifiable information within 30 days, ChexSystems is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX transferred my loan to Nationstar Mortgage and only gave me 2 days notice from the next payment due date.,

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with Atlanticus Services Corporation (NC).
Issue: Delinquent account

Complaint: I purchased furniture with a Fortiva credit account -- that is listed as a credit card -- even though I have never been issued a " credit card. '' My account is posting me 30 days delinquent on payments received within a 30 day time period. I have disputed these items with all XXXX credit bureaus and received a reply from XXXX that account has been updated -- but the only note was to contact creditor. I provided XXXX with my payment history from Fortiva 's website verifying my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/28/2017 about Vehicle loan or lease (Loan) with Skopos Financial, LLC (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I had a vehicle repossessed in XX/XX/XXXX 2015 and the company is still reporting the vehicle as open and the balance is still accumulating interest

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I recently found out that I had been denied for a loan modification when the denial letter dated XXXX XXXX, 2015 arrived at my home on XXXX XXXX, 2015. Moreover, I have a foreclosure sale date for XXXX XXXX, 2015, therefore, Wells Fargo was not honest when they told me while I was being reviewed for a loan modification the foreclosure sale date would be remove, only 1 day after the 30 day period I had time to dispute I am facing foreclosure sale date. This leads me to believe they merely postponement and did not remove has they said they would. However, a new package was submitted to Wells Fargo Bank to review, in addition, in the month of XXXX 2015 I was provided with XXXX points of contact only one responded to me XXXX XXXX XXXX who instructed me to call the Foreclosure Attorney who works for Wells Fargo and not the other way around. 
I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm writing with regards to a dispute I did with Experian in regards to an incorrect item on my credit report. They came back and somehow initially not only verified the inaccurate item but updated it as me being 90 days late back in XXXX 2015. I was not even late and there was no payment history for this item yet somehow they managed to not only verify but also update the reporting as me being late!!! 

I have contacted the original creditor XXXX XXXX with regards to this item and they have no records of it, subsequently neither XXXX or XXXX has this on my reports. 

Yet again I disputed this item through the mail both detailing the fact that I could not possibly be 90 days late on an account that was not suppose to be on my record in the first place. Amazingly the account also shows that its closed with no balance and no payment history, yet I 'm 90 days past due for the month of XXXX 2015 somehow?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focused Recovery Solutions, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Focused Recovery solutions claimed I owed a medical company in XXXX VA, XXXX was paid long ago. I 'm not sure how this company ended up with the account. I never got correspondence from this company. They just showed up on my credit report saying I owed XXXX. When I called to verify the debt was real XXXX said the debt had already been paid. They also said they have no knowledge of the said credit collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX   XXXX , I contacted  XXXX   XXXX  Services regarding an open account showing on my credit report from  XXXX . A very rude female spoke to me and said this account had been paid in a judgment against me in  XXXX . I request for her to update my credit report to show this matter had been handled and to please remove from my credit report. She told me to contact the credit bureau to dispute as they would not remove otherwise or provide additional information for that I needed to contact the court who handled the matter.   -That same day  I f iled a dispute with Equifax who submitted a dispute on my behalf with the company only to conclude on the  XXXX  of  XXXX  as a valid account, response I am assuming was from the original collection agency I contacted before. The account still shows open and a debt due to them.   - The judgment itself at the time had been done in an illegal manner, as I was never contacted to make payments on the account or told there would be a hearing on the matter. The court ruled to take 25 % of my paycheck not acknowledging that I was unable to pay at the time being a single mother with bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with GVA Holdings, LLC (PA).
Issue: Charged fees or interest you didn't expect

Complaint: In and honestly XXXX move I was in desperate need of a loan and I did n't have much time to secure the funds. I blindly took out a loan from XXXX XXXX XXXX for an amount of {$200.00}. The monies were credited to my banking account on XX/XX/XXXX. Since XX/XX/XXXX I have paid XXXX XXXX XXXX a total of {$980.00} with 8 payments still remaining of {$56.00} every two weeks. This means that I will have paid them back in full at a rate of 749.98 % with a monetary value of {$1200.00} on a {$200.00} loan. Since the Inception of this loan I have been informed by a very close friend who is employed by the Attorney General 's office of Pennsylvania The Honorable XXXX XXXX that online /payday/ tribal loans are illegal in the state of Pennsylvania where I reside. To date I have paid the loan back almost five times over the initial amount. In my opinion I feel it a fair resolution to this situation is that the loan be considered paid in full because in reality it has been many times over. Even if I were paying 50 % interest the total amount payback would only be {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Vehicle loan or lease (Loan) with American Finance LLC (MD).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a  XXXX   XXXX  and the loan company is American Finance LLC. I never received court papers to appear to court, nor have I never seen a bill of sales of the  XXXX  after they repossessed it and sold it.  XXXX   XXXX ,  XXXX  was the first check the garnishment started. On the  XXXX   XXXX ,  XXXX  check the last {$43.00} on the total due on the judgemen t ( {$6700.00} ) according to the court papers my employer gave me when they started the garnishment. Three checks later the garnishment started up again. I called American Finance LLC and the account manager told me I owed {$3000.00} for the post interest. On the court papers it included the post interest of {$940.00}. I had her send me my account ledger and on it my paid interest is {$6800.00}. Two months shy of 2 y ears that I have been paying on this garnishment they keep every cent on interest. The pre and post interest on the court papers add up to {$2000.00} which was add to the {$6700.00} on the total due on judgment stated in the court papers. They continue to garnish my checks so the amount keeps climbing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to get my free online credit report from XXXX XXXX XXXX for Equifax on XXXX/XXXX/2017. When the report results were requested the site said, " Online reports not available ''. I do not want to receive this report through the mail and do not want to send the identity verification which included my SSN through the mail. Do I now not get a free report from Equifax if I do n't order it through the mail ... .no options are given to undo the request?

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (MO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I trade in my Toyota Lease into XXXX XXXX XX/XX/17 i have the proof of the trade in, and the contract saying how much I will get for my lease. I paid my monthly payment for that lease XX/XX/XXXX, so after that statement close, I started to receiving my statements with no payments, so I contact Toyota Financial and they make me contact XXXX to get the check to pay off the lease, after to many proofs Toyota keep sending me late payments to me and the cosigner, I called them several times and they explained me that they need some papers, and i keep telling them that I was not the owner anymore. 
Thanks for the XXXX 's seller I get the copy of the check of the pay off of that vehicle XX/XX/XXXX then they asked for another paycheck and XXXX sent too XX/XX/XXXX. I have the proof to who they was talking but they never end to bother me. 

After 60 days or more I received one of the awful calls and then finally the lady told me that they had all the papers there but they never submitted on his companies, she apologize and close the loan. 

After to many months I decided to buy another car and my surprise was they showed me how bad was my credit and my history with that lease ofcourse I tried to explain but doesn't matter because now its on my record something that I didn't supposed to be involved, and after 20 good payments on that car and building my credit. I want to be erase from my credit report or someone need to fix this problem. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Mortgage) with M&T BANK CORPORATION (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Frivolous debt collection attempt against me and co defendants. 

Facts of the case : Alleged loan # XXXX. Address : XXXX XXXX XXXX XXXX, KY XXXX Name : XXXX XXXX 1. Originator of the alleged loan admitted that it did not lent money. Table funded loan. Fraud in inducement. Predatory and Fraudulent lending. No consummation of the loan happened. RESPA violation. 

2. No assignment to the Trust is legally possible. 

3. Wilmington Trust misrepresented the character, amount, and legal status of a debt, in violation of 15 U.S.C. 1692e ( 2 ) ( A ), and used a false representation or deceptive means to collect or attempt to collect a debt, in violation of 1692e ( 10 ). Wilmington Trust violated the Federal Debt Collections Practices Act. 

4. On the XX/XX/2015 note maker notified Wilmington Trust N.A. by Truth in Lending Rescission Notice. Wilmington Trust refused to fulfill the obligations under regulation " Z ''. See 1026.23 Right of rescission. By operation of law on XX/XX/2015 the Note and a Mortgage become void. See : ( XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXX ( XX/XX/2015 ). Continuation of attempt to collect on void instruments constitutes Statutory TILA violations. No standing. 

5 Attempt to collect on discharged debt. FDCPA violations. ( Violation of the Bankruptcy law ) 6. Violation of constitutional rights.

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 05/17/2016 about Prepaid card (Payroll card) with INCOMM HOLDINGS INC. (OH).
Issue: Fraud or scam

Complaint: There was an unauthorized transaction on my prepaid XXXX card from a company somewhere XXXX. I called the day I found out and cancelled the card. The csr told me she would email documentation that I had to fill out and email back. I did n't receive it and what turned into XXXX csr 's and a supervisor later I still have yet to receive this mysterious documentation. It 's not a large amount but I am a single working parent trying to support my child. It wo n't break their bank it broke mine. A company in XXXX was also trying to make a withdrawal but I cancelled the card just in time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In 2017, Equifax failed to adequately secure my personal information, including my Social Security Number and date of birth, resulting in the dissemination of my information to hackers, and eventually people who purchase this information for fraud. This breach involved myself and millions of others. Equifax failed to notify me in a timely manner, I only discovered the breach through an article in the XXXX XXXX XXXX, over a month after it happened. I received no contact from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loan was transferred to University Account Service, LLC from XXXX. However, University Account Service is not reporting my payments to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX XXXX Dismissed the debt and removed the debt from all reporting in 2016. Portfolio Recovery has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and Portfolio Recovery refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. Portfolio Recovery is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told XXXX XXXX do not settle debt. Therefore, I am not disputing my balance with XXXX. I am willing to pay what I owe to them. <P/>I was summons to court by Zwicker & Associates, P.C. regarding the {$3200.00} past due balance I owe XXXX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told Zwicker entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. <P/>The day prior to my court date, a arranged with XXXX or Zwicker collection department to make a {$300.00} payment on-demand and recurring $ 300 monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called Zwicker & Associates office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. Zwicker 's refused to verify my payment arrangement except to say they can not give legal advise. <P/>I feel deceived and harassed by Zwicker & Accociate. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. Zwicker another cost of XXXX in addition to the $ XXXX monthly installment agreement between Zwicker Debt Collection staff and me on XX/XX/XXXX. <P/>I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay XXXX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? <P/>I attached documentation that refects Zwicker 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in Zwicker 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.

Company response to consumer: Closed with explanation