milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

Furthermore, this debt has already been disputed and removed from my credit report multiple times, under the name of different debt collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 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: Account information incorrect

Complaint: Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.

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 03/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Back in 2004, I took a tour of the California XXXX XXXX ( now XXXX XXXX XXXX ) in XXXX XXXX and fell in love with the idea of the program that they were " selling '' me. Great set of XXXX a prestigious school alumni ... XXXX of my many future counselors told me that I would have to take a loan via XXXX XXXX and that I qualified for some Federal Loans. That being said, my private loan rates were at 18.1 % but all I cared about was going to school. The school it self was located in XXXX called the XXXX. I decided to live off campus as you could n't sleep in the dorms at night due to bum fights. None of this class received the XXXX XXXX and graduation ( which should be a special time ) we were n't given new uniforms like promised. The promise of any decent jobs was denied because of the factory making XXXX and the lack of work ethic. No one really hired a XXXX graduate. The administration was constantly changing and always new teachers. I started with a class of XXXX and graduated with XXXX of my original class of which only a handful are still in the XXXX world. Once graduating, my payments were an astonishing {$1000.00} a month of which I had to defer and put into forbearance, which created even MORE interest. I was able to have a relative co sign but the damage is done and I am paying almost {$400.00} a month and can not pay principle only and what was once XXXX XXXX is now NAVIENT and they wo n't let me pay more towards loan and just forward it to following month. PLEASE HELP!!!! The school also had a class action lawsuit that i sadly received the paperwork way after the fact and the payout was {$40.00} XXXX dollars. I could go on, I am just looking for a better direction because this is become a burden on my family. I own my own XXXX but my salary is minimal. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Equifax on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Equifax refuses to investigate even after I have done my part as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Struggling to pay mortgage

Complaint: I needed to refinance my home loan, so I went to my lender but even though I am lower income the bank is not serving my loan request. The neighborhood is located in a mostly poor and underserved area with mostly lowered income buildings. According to  the Community Reinvestment Act, a federal law w as designed to stop discrimination in low income neighborhoods.

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 02-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient sent a notice in the mail saying my payment was going to go up to over {$1500.00} a month in a little under a year. I called them and the representative asked for all current expenses. After listing all expenses, I was told the computer said that I had an ability to pay the {$1500.00} a month. Not only that but the representative said that the notice was wrong and the payment would be going up to {$1700.00} a month. This payment alone is over 45 % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had an account go to collections due to my husband being laid off work. I worked it out with Portfolio Recovery Assistance that if we paid our debt then the collection would be removed from our credit report. We paid our debt and this report is still marked on my credit report. It is still negatively affecting me after it was negotiated it would n't after the debt was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Inquiries Chase card Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase card Inquiry from XX/XX/XXXXLate payments XXXX XXXX onXX/XX/XXXX. & XX/XX/XXXX I'm always on time with my payments and if an error has occurred, I make sure to give them a call and correct the situation. That has only happen once but XXXX XXXX corrected that error. Although, XXXX XXXX on my credit report it states I've given two late payments & that effects my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I need my XXXX title to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX already got paid for ... or I will just put lien on XXXX XXXX whole business XXXX YALL THINK I DONT KW WAT THE XXXX GOING XXXX XXXX XXXX XXXX AND STILL IS EVEN IF I GET CAR BACK JUST TO SHOW HIS XXXX XXXX I CAN JUST LIKE HE DOING IMMA PLAY YALL XXXX BETTER THAN YA XXXX XXXX  ... and doing XXXX XXXX today since XXXX XXXX want to sit up and lie to my XXXX face go XXXX some were which y'all clone XXXX and taking y'all XXXX to court for misleading practices XXXX STOPS WITH ME AND DESE XXXX GAMES WE OUT WITH KIDS AND Y'ALL XXXX WANT TO PLAY GAMES GIVE MY XXXX BACK FOR IT GET REAL UGLY OUT HERE LAST WARNING NOW TRY ME XXXX XXXX XXXX XXXX IN THAT INDIANA OFFICE U CAN BE FOUND for XXXX with my intellegence ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with U.S. BANCORP (MN).
Issue: Payoff process

Complaint: I took a cash advance on my credit card on XXXX/XXXX/16. I made a payment on XXXX/XXXX/16 to cover the minimum payment plus the cash advance amount and a little extra to cover the interest. My credit card company applied the full payment to the purchases balance at the lower interest rate. I called them on XXXX/XXXX/16 and the person said that since the cash advance was n't " billed '' yet on a statement, that they did not have to apply the payment to the higher interest rate. My " cut off '' date is around the XXXX of the month. I asked what I needed to do to get that fixed and I was told he could n't do anything for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We pay extra every month on a car loan that we obtained in XXXX 2016. We noticed the extra amount paid was not applied to principal. We called TD Auto Finance, and they stated that they would not apply the extra amount to principal unless we called them every month. To reach an agent every month takes quite a bit of time. We offered to put it in writing to apply the extra amount to principal, but they said they could not accept a letter with instructions. We have called several times to no avail. We have paid extra every month, but they do not apply it to principal unless we take the time to call plus it does not go against principal until they receive the verbal instructions. My understanding of financial regulations is that the finance institution should apply extra payments to principal if no other amounts are owed. TD Auto Finance said the only way it would automatically go against principal if we used their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: There is XXXX XXXX XXXX account that are NOT mine, XXXX was open X/2016. This needs to be removed it is fraud and again NOT MINE

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 09-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: XXXX Co {$2500.00} dollars for a shelf corp see attach Was scammed and want Wells fargo to close this fraud account and refund my money Account money was tranfered to XXXX fargo account number XXXX routing number 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 07/25/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I contacted Caliber Home Loans to refinance a home mortgage on XXXX XXXX, 2017. Everything went fine until they sent an appraiser out and the person hired by Caliber was not professional and submitted comps that were not anything like my home resulting in a lower value so the loan was not approved. comps submitted by the appraiser should not have been allowed becuase 1. They were over 7 miles away 2. They were for single family homes and my home is a multi family I asked that the home be re appraised but they were not willing to do so. The person hired by Caliber was not a professional and I complained at the time of the appraisal. I have since contacted an independent appraiser and they say the house should have appraised for more and the comps used by Caliber were not suitable for a comparison of my property

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: PLEASE HELP : This is NOT related to current allegations/litigation ( accounts being opened ) against Well Fargo, but SOMETHING NEW, that I believe you are not aware, according to Wells Fargo Executive Office themselves. 

I just got off the phone with their EXECUTIVE OFFICE, specific to a complaint I filled with them via email and once again, they admitted that they violated their own BILL PAY policy and unjustly profited by charging me overdraft fees. 

I also received confirmation with them that this phenomenon is UNRELATED to the current lawsuits/claims and has never been litigated. 

The problem is SYSTEMIC and over the past 3 + years, they have profited XXXX of dollars off of me in contrived illegal overdraft fees. 

What makes it doubly unfair is, when you complain, they might refund some fees with admission of guilt and apology but, they only GO BACK 3 or 6 Months ( 6 if you press them ), because that 's only as far as their " system will allow ''. This means THEY KEEP ALL THE MONEY THEY STOLE - knowing it is illegal and against their own policies - if it was beyond 3 or 6 months. 

I for one, have been victimized by this, what I believe to be a deliberate scam, or at minimum, a deliberate indifference toward what they know exists and no doubt, there are XXXX of XXXX, if not XXXX, that have as well. 

THE BANKING SCAM/ISSUE : Wells Fargo has a BILL PAY FEATURE that they make available to all customers. They will send out a check on your behalf to your designated BILL PAY RECIPIENT from any XXXX of your linked accounts if funds are available. Check sent is equivalent to a Cashier 's Check. HOWEVER, when you do not have enough available funds, they routinely and historically will send out the check anyway - even if the account is overdrawn - so as to charge you a non agreed upon {$35.00} overdraft fee. 

THEY ADMIT THAT IT IS AGAINST THEIR OWN POLICY AND ILLEGAL. 

This practice dates back many years and is systemic. I have personally suffered loss of XXXX of dollars from multiple accounts combined. 

Please help. 

XXXX, Ca 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 monetary relief
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with FROST BANK (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: My account balance was  discharged in a Chapter   XXXX  Case #  XXXX  file d  XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX .  To date the financial institution has continued to report my account negative to   XXXX   XXXX  . I was granted relief from this debt and I want the account removed from   XXXX   XXXX   immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Making/receiving payments, sending money

Complaint: I been a account holder with SunTrust Bank for many of years. I currently have a checking & savings account with the Institution. Approximately 2 weeks ago I notice a fraudulent deduction from my checking at that time I continue to review my past account history and noticed I had several unauthorized deductions from my checking account XXXX from the same company and XXXX from another company. I filled a claim with SunTrust Bank in XXXX Md Branch on Monday, XXXX XXXX, 2016. Friday around XXXX I called to check the status of the investigation the the representative of SunTrust stated that they seen me a email concerning the investigation. I checked my emails and notice they was no mail from SunTrust. Once again I did not authorize these deductions from my account. And I never heard of these companies before

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 01/23/2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Zenco collects contacted me on XXXX XXXX XXXX saying I owed a credit card debt for XXXX commercial credit. I have never heard of this bank or never hada commercial account, after telling them this I got tthreatened with a lien taking out on my truck and my drivers license to be taken. They said I had until the XXXX of XXXX and that after it was paid I would never hear from this loan again. They knew my last XXXX of my social number and that I had a XXXX truck at XXXX that they would put a lien on.I went to my bank ncsecu in burnsville nc to get the money transfered in my account XXXX. My bank did some research and could not find any such debt, they sent for a XXXX credit report for me still showed no such debt. My bank manager called zenco collects and went to voice mail she left message no return call. My bank took my money out of my account because zenco had my debit card number, I was informed by ncsecu this had to be a scam, so on XXXX XXXX I started receiving threatening phone calls and so did my bank manager about fraudulent charges to be placed on us. Said the bank had no buisness or authority to pull my credit to check and tell me not to pay. And said the reason they did not see this on my credit report was because I ask them not to put it on there which never happened. I have disabled my debit card per my bank. They never did send me any proff of the debt as myself and bank ask for. If I owe this debtbi was readyband willing to pay, just want the threatening cslls to stop. The first name of so called lasyer was XXXX XXXX. The last just said XXXX XXXX to myself and bank. Phone number is for zenco collects is 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 02-02-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/XXXX, My wife withdraw from ATM ( Bank of America ) {$200.00}. 
ON XXXX/XXXX/XXXX bank of America deduct from my checking account {$150.00}, I call to find why. 
they said, is, because the ATM give to my wife {$350.00}, The transaction is recorder as a {$200.00} but my wife receive {$350.00}, after more the 2 months ago, I have no proof, And I do n't what else I have to do to resolve this problem. I been in contact with the bank, but nothing is been done to resolve this situation.I been in the phone hours trying, telling them ta My wife just receive $ XXXX.hoping somebody can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Climb Credit Inc. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My wife and I applied for loans on XXXX with Climb Credit. They approved my wife and had her co-sign on my loan for approval.We started at our XXXX ... XXXX on XXXX, and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out XXXX in loans. They said they would get back to us the next day ... we never heard back from them. I sent a couple emails out asking about the possibilities and never heard anything until XXXX when an email was received that we had been withdrawn. I immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with XXXX..EVER ... they took a payment that should not have been withdrawn from our bank account. XXXX said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against XXXX. They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion Climb took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have several open/active credit accounts with Synchrony Bank and they are paid on time with no account behind or delinquent. I continue to receive phone calls from Synchrony Bank from their collection department despite this. I received a call on XX/XX/XXXX before XXXX which woke me and I was sick that day. Then, I received a phone call on XX/XX/XXXX which was a Sunday afternoon. Each time I was not able to answer when they called, so I called back and it was the collection department. When I inquired as to why they phoned me, they checked my accounts and could not provide an explanation because all of my accounts are in good standing. On XX/XX/XXXX, I spoke to a supervisor ( XXXX -- Collections Account Mgr ) to file a complaint and let them know this is harassment. She assured me that it would not happen again and now it has again in XXXX. 

After theXX/XX/XXXXcall, I noticed that I also had to put my telephone number back into all of my accounts when I went online to pay. This is harassment pure and simple and against the law. 

Please note : InXX/XX/XXXX I had to file XXXX XXXX Bankruptcy. I had several accounts with Synchrony Bank that were involved in this bankruptcy and they can not collect that debt. The new accounts I have are for the purpose of rebuilding my credit. On XX/XX/XXXX, I was informed that maybe I am a secondary on an account or someone used my social security number to open an account. I informed them that they should be able to see if something like this is the case and should transfer me to the fraud department. They are calling with no explanation and engaging in unfair debt collection practices for a debt not owed. 

The number the calls are coming from is XXXX and it is the Collections department.

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