milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Closing/Cancelling account

Complaint: 1.XX/XX/2015 I decided to pay off the entire outstanding balance on XXXX credit cards and since I was not using them, to have them cancelled. I called the toll-free number on each statement and so informed them and asked for the amount of the balance to pay off and close the accounts. The figures their customer service agent gave me were identical to the " New Balance Total '' shown on the current bill. I had set aside that amount to pay these bills and told the customer service agent to use the " Auto-Pay '' arrangement then in force and draw those amounts from my bank account ; and then to terminate the Auto-Pay arrangement. They withdrew the amounts ; the Auto-Pay was terminated ; and the cards cancelled. Later I began getting bills for additional interest or whatever and when I called to complain the customer service agent tried to explain something about their internal accounting or bookkeeping. I insisted that when I asked the question and was given the payoff figure ( which matched the last statement ) and I made that payment, that I would pay no more. Their letters and bills keep coming despite having reported all this by letters to both companies twice and repeated calls. But they keep sending demand letters and increasing the amounts on these " bills. '' I am semi-retired with little to no workingincome and set aside money to pay these bills off and close the credit card accounts. I believe that when their Customer Service Representative provides me with the number after my explanation, that I ought to be able to rely on that number, pay that amount, and be done with it. The credit card companies presumably have recordings of my telephone conversations which should confirm all that I say. No mention was ever made of any more money due than the amount they gave me, which sum was paid immediately while we were still on the phone. I relied on that conversation and the figures and should not have to be concerned with some internal accounting or bookkeeping they do in their office of which they never gave me any notice. ( Maybe they 'll find something in the " small print '' somewhere from years back! ) These credit card companies should change their procedure and tell their Customer Representatives how to explain their intentions to continue billing after payment in full when a customer like me calls. 

2. I would like both companies to cancel these bogus charges and stop sending me these threatening collection letters.

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 03-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making payments to Navient for XXXX XXXX years. Its a private loan, and they pretty much refuse to help me in any way shape or form, even when I had no job and was struggling badly, which I guess is up to them. However, recently I went and checked my payment history and how they were being applied, and its ridiculous how they apply my payments to the loans. There is absolutely no pattern and they wont give me a clear answer when I ask them why my payments are being applied the way they are, and why Ive made next to not progress on my loan. After over 3 years of making usually monthly payments, my principal balance is actually HIGHER than it was when it first started. That makes no sense, and even they wont explain it to me, The only time they are willing to talk to me at any length is if I owe them money, in which case they will call me 6-8 times a day, but if my loan is current, they will just rush to get me off the phone as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with Credit Systems International, Inc. (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I never received anything regarding my collection and I am seeing a coolection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: Macy 's assessed me a late fee. They have a new website that locked me out and would not allow me to pay the bill. When I called to have the late fee removed they said that they would but that it was a courtesy removal and that I would only be forgiven this XXXX time. Even though it was their fault. Then when I called to pay my bill the next month I asked if I could pay half now and half a day after it was due and they would not take my money and charged me a late fee, no grace periods, no courtesy forgiving of lateness because they had just done so last month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2016 about Student loan (Federal student loan servicing) with Ceannate (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: On XXXX XXXX, XXXX, the XXXX XXXX XXXX Ohio Bankruptcy Court discharged my debts in a Chapter XXXX case ( # XXXX ) by the Honorable XXXX XXXX XXXX, U.S. Bankruptcy Judge. XXXX of the discharged debts included a student loan with the U.S. Department of Education in the amount of {$3100.00}. 

Since then, I have been subjected to ongoing harassment and illegal tactics by several collection agencies -- all of which I 've had to dispute sooner or later. The latest agency, FMS Investment Corporation. FMS has unlawfully threatened wage-garnishment unless I pay in FULL - which includes provision of personal information to their agency ( employer, wages, bank accounts, revolving credit, disposable wages and tax return info ). I sent the XXXX Bankruptcy discharge documentation requested by FMS in my " objection '' to the wage garnishment and " request for hearing '' within the deadline period. The documents were sent to FMS certified mail ; signature required/return receipt via USPS on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I received another correspondence in ( form ) letter from FMS. This letter states : " you have provided no evidence or application to support the objections or claim for discharge relief that you raised in your request for hearing. '' That statement is 100 % false, as I consulted my XXXX Bankruptcy attorney to request the exact documents being requested by FMS to settle this once again. 

In addition, my Federal Income Tax Return has been seized many times over the last 16 years. I have n't seen a tax return refund for many years. 

I would welcome any feedback and eventual recourse -- and to finally put closure to this neverending nightmare. The next deadline imposed by FMS is fast approaching : XXXX/XXXX/XXXX. 

Thank you for your time and consideration, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection is for an early termination fee for cell phone service from  XXXX   XXXX . First of all I have successfully disputed this debt several times and it was removed from my credit report. Then the  Debt collector sold the Debt to another Debt c ollection agency and it appears back on my credit report. The dates of the erroneous debt was falsified prior to being sold to the next Collection agency to make it appear as a recent and valid dated outstanding debt. This is actually a very old account and that in itself should warrant its removal. As to the original early termination fee charged by  XXXX   XXXX .  1  ) I was a long standing customer of  XXXX   XXXX  and was never late with a Paymen t 2 ) S ince had the service for a very long time I was no longer under contract with  XXXX   XXXX  therefore an early termination fee would not app ly. 3 ) I  contacted  XXXX   XXXX  in writing 30 days prior to terminating the service. I do not owe this money and I will never pay this invalid bill because I do not owe it. But it has taken up a huge amount of my time responding to the false charge. Please assist me in its removal. This negatively impact me in several ways. If this charge had appeared when I recently refinanced my house it would have resulted in a higher interest rate which would have affected me financially for years. This is a predatory collection. I understand its their business. But I have to work for my money and Im not giving it away for free. That would equate to letting them steal from me. That 's not happening. Thanks for your 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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XX/XX/XXXX  a medical service was provided at   XXXX   XXXX   XXXX   which entailed a {$100.00} copay.
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 XX/XX/XXXX  After receipt of the bill for this charge, I requested a financial aid application packet sent to me. This was completed by me and returned within the 30 day time frame allowed by the provider. They would reply tome in about 30 days after receipt of the packet.
<P/> XX/XX/XXXX  I was unsuccessful in my attempted to contact the provider by phone.
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On  XX/XX/XXXX  placed in collections by   XXXX   XXXX   XXXX   and not noticed by me until  XX/XX/XXXX .
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On  XX/XX/XXXX  at   XXXX   XXXX   I spoke with  XXXX  at  XXXX  who indicated since the blll had not been paid in full after three statements, the bill was sent to collections. A request as to the status of my financial aid packet indicated the paperwork was not processed at that time. Another packet was sent to me to complete. She would pull the bill from collections until receipt of the new and current data was received. This included the   XXXX   XXXX    income just received that may have impacted the income level requirements.
<P/>
On XX/XX/XXXX  another call t o   XXXX   re vealed bo th  XXXX  a nd  XXXX  were both working on " this ''.
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On  XX/XX/XXXX  The medical bill was closed for collection as paid in full. I would presume that was as a result of the recent phone call initiated by me. I was approved for the financial aid and the {$100.00} bill was written off. Please note I was timely in my request for assistance in this matter and did everything I could to handle this matter timely.
<P/>
On  XX/XX/XXXX  I received a free TransUnion credit report. Upon my review and much to my surprise is XX/XX/XXXX placed for collection from  XX/XX/XXXX  for {$89.00}.
<P/>
I understood that  XX/XX/XXXX  had pulled this medical bill until the financial aid packet I completed timely and returned had gone through their internal review process. I had no idea of the errors made by them which included losing my original mailed financial aid packet and pulling the promised report when requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. We filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediation they said once we produce the documents and letters that my figures were good and I would have no problems qualifying and getting approved. Then we got a denial. So now we are starting the process all over again. Houses ' are going up in my area and I believe they are using stalling tactics, so they can get more money or try and kick me out. They are refusing to work with me even though I qualify. I also have requested all documentation such as the Appraisal of the property and the original Good Faith Estimate with their fraudulent figures in it. And any and all documentation they used to prove to me why they denied me. They have yet to produce any of their documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? XXXX XXXX, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
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 leased a new vehicle on XX/XX/18 and the dealer I leased the new vehicle from bought out and paid off the old leased vehicle. XXXX XXXX received the total funds including an excess payment of over {$170.00} on XX/XX/18. XXXX XXXX   applied the payment on XX/XX/18. I have a security deposit in the amount of {$620.00} on file with XXXX XXXX and am being told that they are not going to return my security deposit for one reason or another. One reason I was given by XXXX XXXX for not receiving my security deposit is that I would have only gotten it back if I was to finance or lease through them again. However, that is not what my contract says and that is incorrect. Another reason a rep at XXXX XXXX  gave me that I wouldn't get my security deposit back is because they have to wait to get the car back and assess any damages and fees that they can charge me. However, the dealer that I turned the car into has purchased the vehicle and this concept does not apply. So therefore, XXXX XXXX will not be getting the car back, they have been paid in full for it and so this is also not correct. It's like I'm being given the run-around and being told one lie after another so that they can just keep my money. In addition to this, XXXX XXXX has taken the excess amount that they were overpaid and applied it to another month 's car not, and claiming I owe the balance so even at this current time, my account is stating past due. The account is NOT past due. XXXX XXXX has been paid in full for the car plus excess. And if they don't get this straightened out immediately, the next problem is going to be that they report to the credit bureau on my file that the account is past due when it is not, causing me further problems and a bigger headache, which is harder to correct after my score has taken a hit it should NOT take than if they just correct this mess now, before it gets to that point. The attached documents show the full payment amount of {$15000.00} of which {$170.00} was applied towards a next months payment ( after I don't have the car anymore, go figure ) and the balance of {$15000.00} that the dealer paid to XXXX XXXX  was the actual payoff amount of the vehicle. The bottom line is XXXX XXXX owes me the {$620.00} security deposit, the excess payment of over {$170.00} and to correct the account showing past due to current and PAID IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Debt collection (I do not know) with Reliant Capital Solutions, LLC (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was looked up on XXXX by one of their agents ( XXXX XXXX ) and then I was called at my NEW PLACE of employment! He said I was his Academic Advisor and he needed to talk to me .... This is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (MS).
Issue: Taking out the loan or lease

Complaint: Me and the young lady where dating and we had a joint bank account and she went and got XXXX loans in my name the other XXXX have been resolved it is just this XXXX company by the name of lending club that just do n't want to see this as fraud I have all the bank statements of how that money was received and spent she used my information to get the loan into the joint saving account then transferred it into her personal account of then she made up me a email and used her phone # on the application for contact

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Midwest Recovery Systems (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of my credit report issued XX/XX/XXXXand it shows an adverse collections account from Midwest Recovery Systems which was placed for collection onXX/XX/XXXX for XXXX XXXX XXXX. Before I left XXXX in XX/XX/XXXX, I Paid my bill at XXXX XXXX and closed the Account. I have been living in XXXX  for ten years now and have no idea how or why they would have a bill in my name. I spoke with someone at XXXX XXXX and was told they have no record of me. XXXX, at Midwest Recovery told me that a payment was made on the bill inXX/XX/XXXX and that I could just pay the {$910.00} and clear my record. Since this was not my bill and I had no idea who made the payment, I refused. I believe a notice of fraud was placed on the account but this account should be removed from my record as soon as possible and should not be put back on by the next company the account is sold to. I would appreciate any assistance you can give in this matter as my record has been tainted because of this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Chase bank was holding deposited checks drawn on my other bank XXXX in violation of Reg CC. They put a 7 day hold on the funds I deposited on XXXX in the amount of {$1000.00} due to reason to doubt collectability. I have had absolutely perfect  standing with Chase and there was no reason to doubt collectability. I work for XXXX XXXX ( XXXX ) and had heard multiple of our bank customers report this issue which is why I made the deposit on XXXX. When the funds were not available the next business day, I called and they told me the reason was that the paying bank ( XXXX ) did not provide timely confirmation that the check was good. Which makes no sense, since paying banks do n't provide timely confirmation other than through dollar settlement which was done. They immediately removed the hold AFTER I called and said they were in violation of Reg CC. We ( XXXX XXXX ) then went through our correspondent bank to find out why they were holding what appeared to be every XXXX XXXX check deposited at Chase, who went through XXXX XXXX who was given the following response from Chase : Regarding XXXX XXXX our Fraud/Risk Dept made a short-term change to mitigate a counterfeit trend they were seeing in order to minimize further risk and impact. Below is their feedback ; they removed all 7-day holds effective XXXX XXXX today. 

In recent months, aggressive counterfeit check attacks were observed on specific routing numbers, such that even some valid routing numbers were suffering high levels of check returns, Risk implemented a strategy to place holds on all checks from routing numbers that had observed recent high rates of check returns. This process was used as a short-term control and now that a long-term solution has been implemented we feel comfortable to remove the previous process and as a result some of these routing numbers will no longer receive holds. 

While I understand their strategy to mitigate risk, This appears to be in clear violation of Reg CC as they can not put a hold on a " class of checks '' which they did. In addition, XXXX XXXX has not had recent high rates of check returns with Chase. so what are their thresholds for determining " high levels of check returns '' - two. We have very little fraud reported on any of our accounts or even returned checks in general. This caused tremendous disturbance to myself and my customers. Had my customers not been as savvy as me, they likely had the hold remain on their funds for 7 days while Chase bank used and earned money off of those funds. 

In addition, as you can see, they lifted the hold from XXXX XXXX routing number but indicate that they have only done this for some of the routing numbers, which means they are likely continuing the practice of blacklisting bank routing numbers and placing holds on people 's deposits. We have also heard of this practice from other big banks/credit unions.

Company response to consumer: Closed with explanation