milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was in an ongoing dispute with XXXX over their criminal tactics. I was waiting for a final amount to resolve the outstanding amount I owe them. I never received verification that they agreed to the amount I was proposing, I had asked them, etc., and no communication. I was doing some other banking business the other day and was shown on my credit report that Allied Collection Services , Inc had " hit '' my credit report with the amount I owe XXXX. This certainly was a surprise, I did n't get a voicemail, e-mail or so much as a letter in the mail notifying me of their attempt to collect the debt, nor did I get an opportunity to dispute the debt. Since I found out they are illegally ruining my credit I have called and emailed them in an attempt to resolve the problem and nobody will contact me back. This is and should be criminal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: On XX/XX/2017 we received a end of lease statement stating remaining balance of XXXX. The statement says we owe XXXX for unsatisfied contract obligation plus tax of XXXX. Excessive wear and use XXXX plus tax of XXXX. Disposition fee of XXXX plus tax of XXXX. I called Nissan Motor Acceptance and asked them to explain the statement. XXXX explained and was very nice.I agreed to pay the unsatisfied contract obligation total of XXXX and the disposition fee total of XXXXThat totaled XXXX. I told her I would not be paying for the Excess wear and use total of XXXX cause there was no broken bumper when we dropped it off. When we dropped it off I asked for Inspection and was told that would n't be a problem everything looked great. We also took upon ourselves to check it over and was like brand new. We even got the car cleaned inside and out just cause we thought that would be the right thing to do.When I told XXXX I was n't going to pay it she said she would lower the price to XXXX. I that I would pay the for everything else except the wear cause we both knew they were trying to scam us. I received a follow up statement on the XX/XX/XXXX and they lowered the excessive wear to XXXX. I called again and spoke to XXXX and told her that I would n't be paying that part of bill. She said If we do n't pay it they will put in collections. On XX/XX/XXXX I received another statement for XXXX the balance of unpaid. I payed for everything else at this point. I then called and asked for a Vehicle condition report and proof of broken bumper that was never broken nor never was by us.I received one on XX/XX/2017. I stated that the car had scratched paint, cracked windshield, dents, chips etc etc.No bumper was listed at all. It then stated we turned in a XXXX XXXX XXXX XXXX, but we leased a XXXX XXXX XXXX car? We called again and they claimed the inspected the car on XX/XX/XXXX which would be 2 weeks after we returned the car onXX/XX/XXXX? It also had the amount of XXXX we owed for the bumper that was n't broken. Like I said I payed everything that was owed to them but now the put me in collections for XXXX and wasted my valuable time let alone endless headaches. I have exceptional credit and do n't need it to be bruised by any false information because of a company that messed up in so many ways. Please let me know what further action should i take with this

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this account. I have attached a copy of the police report to this dispute. I never had insurance with XXXX, the original creditor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Credit decision / Underwriting

Complaint: Been waiting for Citizens bank of XXXX, RI to release a XXXX mortgage - since XXXX 2015. Trying to get a line of credit. This is a old mortgage and I have refinance since this loan. Do n't understand how long is a reasonable time to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: HUNTER WARFIELD AND XXXX APARTMENTS. I have disputed a debt because the apartment I lived in did not comply with sending me the required information and then the apartment complex changed the amount I owed from {$1600.00} to {$2400.00} for the bed bugs. I do not owe and have disputed the debt twice, but they continue to contact me AND they have reported me to a credit bureau. The last time I sent emails, letters and copies of my move out charges. The credit bureau is the final straw.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have filed a complaint against Wells Fargo home mortgage and I got a call from a person and when I told him I was XXXX and wanted to keep my home he laughed. The the was forces end on and I had been making the payments with the life insurance money when my husband passed away. I want to recover the money Wells Fargo took from me. The home was only in my husbands name. Why did they take the money and not tell me no the home is not in your name we wo n't take the money. Its discrimination cause I 'm XXXX and that person laughed at me. 
I have already submitted a compliment.

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 01-06-2017 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I opened a fixed rate Home Equity Loan about 5 years ago. When we opened the account, the two most important terms were clearly confirmed for us, which were ( 1 ) there would be no pre-payment penalty, and ( 2 ) all overpayment provisions would go towards the principal. We have made several overpayments on this loan since it was opened in varying amounts. In XXXX 2016, we made large overpayments. We then received a letter saying, " We want to make sure your money is going where you want it ... '' Later saying, " Right now we are applying your extra dollars to the next scheduled payment. According to our records, you have made loan payments in excess of the required payment amount. Each time you include additional funds in your loan payment, it is our policy to apply the over the payment amount due to the next scheduled payment. This often results in the status of your loan to be considered 'paid ahead '. Please know that we have reversed the payment dated XXXX/XXXX/16 in the amount of {$1000.00} and reapplied it to principal, making the next due XXXX/XXXX/16. If this is not what you intended, please contact us '' I called them and told them the following : First of all, we ALWAYS intended for the additional funds to be applied to the principal and this was clear when we opened the loan. Second, why are we getting a letter telling us what your policy is and then you are changing the policy without any request from us? 
I made this call three times over about a 2 month period. In each of the calls, I spent approximately a half hour on hold and the customer service person could not answer my questions. Each time, I requested that they figure it out and have someone call me back to explain. They have never called me back. 
I have reviewed some of my recent statements and they make absolutely no sense in how they have applied payments to interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraudulent charges from XXXX was placed an on my Capital One credit card ending # XXXX. I contacted the merchant to get them to remove the charge for a service that I never had access to nor authorized the purchase. They told me over the phone unless I dropped the dispute with my credit card company they could n't reimburse me. The credit card company advised me not to drop the dispute and they would contact the company. 

Capital One contacted me by letter and told me to provide documentation including invoices, receipts, and cancellation. Subsequent to my complaint to XXXX they sent me a cancellation for a service that I never had. I provided that document, the only document that I had which was transmitted by email. 

XXXX " XXXX '' XXXX is a third party billing agency for the XXXX security software which charged my card. Capital One continues to tell me that they ca n't help me with the dispute because I ca n't prove the charge is fraudulent. I have written and submitted two letters which explains all this yet they continue to refuse to investigate my complaint. 

I want Capital One to resolve this fraudulent chard through their own investigation instead of make me do their work for them by insisting the I provide they with documents and information that I do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (I do not know) with United Check Recovery Bureau, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: This started on XXXX/XXXX/XXXX. I received a phone call from XXXX XXXX XXXX XXXX, they left a message stating they were from XXXX and trying to settle a file that their client has placed and wanted me to call them back on number XXXX XXXX XXXX XXXX. I called that number back but was not transferred to anyone and it automatically hung up. Next day I got a call from ( XXXX ) XXXX, women stated her name was XXXX XXXX and was calling from the financial office of UCRB looking to get a statement of what happened between me and another party before they had to write a legal reccomendation. She only left her direct phone number which I called and left a message. She did not call back. I have never heard about this agency, and I 've never received anything in the mail from them in the past. I do n't want to give them my information unless I know they are collecting a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (OR).
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: I am requesting a review of my m current loan status with Navient. Navient currently shows me as being past due 30/60/90 days during the months of XXXX, XXXX and XXXX of XXXX. This is a dispute and a request to remove the past due status due from my credit report due to non-notification and awareness of a balance with Navient. 

I filed chapter XXXX bankruptcy in XXXX XXXX. At the time, my student loans were managed and owned by XXXX XXXX. I made several attempts to get a status of my loan with XXXX XXXX and was informed that my account was under a cease and desist because of the bankruptcy status and they could not release any information or speak to me regarding my student loan account. Under Chapter XXXX bankruptcy ( 5 years ) there was no notice or communication ( phone call, e-mail, letter ) received from XXXX XXXX regarding my student loan account. 

I sent in a previous dispute letter dated XXXX/XXXX/XXXX ( enclosed ) to Navient in which I received a notification that past due is valid and will not be removed. I am disputing the results of that investigation and would like for someone to take a look at the history of events for my account. I called customer service and spoke to a manager who informed me to write in again regarding the history and events so that my case can be reviewed again. 

History XXXX XXXX Filed Chapter XXXX bankruptcy XXXX XXXX Moved from XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX ( enclosed Change of Address Confirmation ) XXXX XXXX Chapter XXXX bankruptcy discharged XXXX XXXX Navient sent letter of loan purchase to XXXXXXXX XXXX address ( I never received and I was no longer residing at that address. My primary phone number also changed ) XXXX XXXX I was contacted by Navient regarding my loan. I made a payment the same day and updated all contact information. 

Please be advised that when Navient assumed the loan from XXXX XXXX, I did NOT receive any communications regarding the sale. It is evident that any communications from Navient were being sent to an old address where I no longer resided ( letter enclosed ). During this time, I am still under the  assumption that XXXX XXXX is my loan provider. I was finally contacted by Navient in XXXX XXXX where I immediately updated all my contact information and made a payment that same day. I have also made my payments each month thereafter on time. As you can see below from my reported loan history, I have never missed a payment, even before I filed bankruptcy, so why would I do so between XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NC).
Issue: Taking out the loan or lease

Complaint: XXXX 2011, I purchased a vehicle from XXXX, XXXX NC The loan was approx. amount of XXXX the length of the loan was for 72 months. I was approaching my paying off date, so I inquired about other charges to close the loan. They said I owe {$9600.00} to satisfy my loan. The figures do n't agree, and reflect a huge error. apply basic math 72 pymts @ {$520.00} per mo. -- -- -Time range of loan XXXX XXXX to XXXX XXXX now they are saying the payoff amount is {$9600.00} approx. loan approx. {$38000.00} auto approx. {$23000.00}, monthly pymts per mo. {$520.00}. Something is n't right. I 'm paying approx. {$47000.00} for a {$23000.00} vehicle. My bank is providing all transactions since XXXX XXXX to current. I will forward these documents asap

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 06/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of ID theft. I have reported this information to the FTC and I have filed a police report with my local agency. After 2 1/2 yrs Experian is the only bureau reporting the fraudulent information on my credit- it has cost me and family a lot. I also have to pay higher premiums because of the fraudulent information. I am reaching out to you for assistance. If you can not assist me I will take the matter to Federal Court. The XXXX accounts are referenced below XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 03/23/2017 about Debt collection (Non-federal student loan) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: American Medical Collection Agency is trying to collect on the medical bill that was paid directly to the medical provider, through HSA account. Despite numerous attempts to request AMCA for the debt validation, the continue to harass me with their collections. Also the amount they trying to collect does not match anything that I was ever billed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed and requested a validation of the debt Rash Curtis and Associates claimed I owed. Consumers have the right to request a validation of debt to ensure that the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that their company seeks to collect the specified amount. In response to my request, I received a letter from Rash Curtis noting the amount I allegedly owe which was incorrect ( such as the location I received treatment ) and a copy of an outdated patient ledger/statement. In addition, the statement copy sent merely illustrates that I was properly insured at the time services were incurred and their client, XXXX XXXX, was negligent in billing my insurance provider within the required time limit. Therefore, neither Rash Curtis nor their client have properly substantiated their claims that I owe this debt and as such, it has nothing to do with me. 

In addition, I have provided significant evidence disproving Rash Curtis 's claim that I owe this debt and I have made several attempts to resolve this issue with both parties ( see attached ). My insurance provider at the time ( XXXX ) also attempted to contact both companies to resolve the issue and provided documentation showing I am not responsible for this debt as XXXX XXXX was contracted with them at the time of my services. Yet, Rash Curtis still reported inaccurate and invalidated information to my credit report over 5 months ago and despite receiving information from me disproving their claims shortly thereafter, Rash Curtis has not removed the debt from credit report. This action constitutes fraud under both Federal and State Laws and the negative marks found on my credit report are in violation of the Fair Debt Collection Practices Act and is Defamation of Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report onTransunion few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX XXXX XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection company by the name of Ability Recovery Services , LLC continues to contact me to collect a collection from   XXXX   XXXX    (  the original creditor ). The balance of this acct is {$2500.00} as listed on all   XXXX   of my credit reports. I have never attended   XXXX   XXXX  , nor have I ever agreed to paying the amount they 're harassing me for. I have sent multiple letters directly to  Ability Recovery,  and also submitted multiple disputes with the credit bureaus, and have yet to get verification that is debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I and my wife experienced financial difficulties with paying our mortgage. The loan was interest only serviced by PNC Bank and owned by XXXX XXXX XXXX. Our home was placed into foreclosure and we hired a realtor to short sale our home. We hired XXXX XXXX XXXX, XXXX. to assist us with our mediation requests in Maryland and to process our short sale. We have a XXXX XXXX son we have lost all overtime. We attended XXXX mortgage mediation hearings over the last 7 months. At each hearing the representatives of PNC Bank would not review our home for short sale, but retention and told us that what the system does. We always filed out documents for short sale and we received short sale acknowledgements from PNC in XXXX 2015. PNC also conducted a detailed value analysis and their value came back at the same value our realtor listed our home for. The purchasers have waited 8 months to purchaser this home and they are now about to withdraw their offer. PNC refused to review our family for a short sale. All our Request for Modification documents stated short sale request.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation