milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2017 about Debt collection (Medical debt) with Io, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company on 3 different occasions and they are being grossly negligent. I have requested that they provide me with sufficient information according to policies and consent form that they provided me with. This company continually states I owe for a medical bill in the amount of {$300.00} for date of service XXXX/XXXX/12 for an alleged Patient First Visit. This company provided me a policy that stated I would be responsible for any remaining balance that the insurance did not cover. To the best of my knowledge my insurance did and would have covered any medical visits that I attended within policy benefits of course. I requested that this company provide me with the denial they received from the insurance company that would then allow them to pass this balance on to me as stated in the consent to treat from they provided to date they have not! The consent to treat from does NOT state that I would have to pay a balance if the insurance did not pay more than the billed amount and only paid the customary. I am not sure of this balance and this company has done absolutely nothing to help me resolve this matter!

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 07/27/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Deposits and withdrawals

Complaint: On Saturday, XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud on my account and replacing my card that indicated that they send the request to another business or unit who process of mailing the New Bank Card. The make seem like XXXX comes to the office and issues the bank card the is not true a tracking number is imputed on labels so you do not have wait for tracking number. Then if you establish Business you also order printed labels with you business name and address, account and the Track number is on the right side of the label. So why do Navy Federal Credit Union Customer Service and Supervisor make seem extremely hard to obtain a Tracking Number for them to mail a replace Debit Card when they wo n't have to replace it if that did n't allow unauthorized charges, fees, to be subtracted the account and they secure their member account your assistant with this is greatly appreciated. Please make sure this Credit is working according to United States Federal Regulation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX XXXX XXXX has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX I went to go purchase something at the store when my card was declined I went home check my bank account online stated that I have negative {$130.00} taken out of my account I contacted Santander Bank they told me courtesy of not having enough in my checking 's account they went upon themselves and paid for item I did not authorize them to pay for was so offended I contacted XXXX to find out when was the billing date that I was charged for the item XXXX XXXX told me they charge me on the XXXX of XXXX santandera is saying that they charged me on the XXXX of XXXX I would like my refund of {$130.00} I also have the voice recordings of both statements of each company

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 09/24/2015 about Consumer Loan (Installment loan) with Marlette Funding, LLC (PA).
Issue: Managing the loan or lease

Complaint: the loan is with Best Egg, who transferred the money into my bank account [ good ] but has not ever given me a statement, correspondence, or any way to contact them or keep track of loan. I would 've liked to make additional payments but the info they show when withdrawing payments from my bank account does not provide any information I can use to do so. also, they advertised low rates but that does not turn out to be the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received an email on  XXXX   XXXX  from FedLoan Servicing telling me that I had a secured message. When I logged in to the service, I read a letter telling me to recertify for my REPAYE plan by  XXXX   XXXX . I submitted paperwork through studentloans.gov as directed on  XXXX   XXXX  and received an email on  XXXX   XXXX  stating that my request had been received. I then received another email on  XXXX   XXXX  that stated the exact same thing. Finally on  XXXX   XXXX , I received an email staying that I needed to recertify my ICR. I 'm concerned that FedLoan is dragging their feet and it will allow my ICR to expire, capitalizing my current interest and further damaging my credit.     This happened in   XXXX   as well, where it took nearly 4 months for them to process my paperwork and they capitalized my interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Our daughter took out a new loan for University XXXX XXXX in XXXX - I called Sallie Mae and told them to add payments for that loan to our existing set of payments. They indicated they would do so. Today, at XXXX, I received a robo call from Sallie Mae. They did NOT leave a message. MY daughter then called me and said they had called her, and that the account was past due {$100.00} ( {$50.00} for XXXX and XXXX ). 
I tried to call them and got told wait time was excessive ( last time I called them, I waited on hold for over an hour ). 

I went online and fought thru numerous web site errors ( unable to make my name match my bank account name, several password resets to be able to even log in ) ) managed to make ( I hope ) a payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Equifax file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Other debt) with Armor Systems Corporation (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Armor Systems Corporation sent notice to me on XX/XX/XXXX that a debt for an unpaid ticket issued by the XXXX Police Department had been assigned to them and they were attempting to collect. They did not advise what this debt was about. I had to research the debt with the help of the XXXX Police Department, which revealed that this debt was for a XXXX XXXX XXXX that is owned by an ex-girlfriend. I had completed the paperwork months before this to take my name off this vehicles title and registration. Notice of this debt triggered legal action against my ex to rectify the title and registration issues. My ex confirmed that this was her debt and that she had contacted Armor Systems Corporation to both pay and reassign the debt to her. Meanwhile, onXX/XX/XXXX, I sent a certified letter advising I was formally disputing the debt and requesting a formal response within 15 business days of my letter. Armor Systems Corporation did not respond to this dispute and did not reassign the debt. They sent notification on XX/XX/XXXX that the debt was paid. They have not provided any rectification for the assignment of the debt to me or even a response to my dispute.

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 09-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NM).
Issue: Problems caused by my funds being low

Complaint: In an understanding for 'Formal Disputes ' of Bank Transcations with Merchants, only certain Banks file Formal Disputes where as, in the Past if ( you ) did not. Contact the Bank within Days or Hours in receiving a Letter the Bank would impose Excessive Fines and Fees on Top of, Additional Fines and Fees.

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 05/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested my first credit report from TransUnion and received a report date issued XXXX/XXXX/2016. I noticed the report indicated a mortgage in the amount of {$96000.00} which I did n't know anything about. I called TransUnion to understand how this information was generated ; where did it come from? They were unable to tell me how or from what banking institution provided the information to TransUnion ; they kept asking me what bank it came from. I repeatedly asked and then spoke to a Supervisor who again could not tell me where the information came from, but TransUnion was happy to delete it from my credit report. They did n't do any investigation as to why or how this happened. I would like to understand their investigative procedure and why they are unable to tell me how this was reported incorrectly. I am currently in the process of separating assets with my spouse and need to be sure this liability is not outstanding. Thank you for any help. TransUnion did a poor job of ( not ) investigating and responding to my concern.

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 04-01-2016 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan for {$800.00}. I was told there was a finance charge of {$280.00}. Every time a deduction was made from my checking account the amount was always {$280.00}. I logged into my online account to check on my loan and saw that there was no payment history recorded, and every time a payment was made a new loan was issued taking the initial {$280.00} fee. I paid {$1100.00} over several weeks and never paid anything down on the original loan. I contacted Castle Payday via email asking if there was something wrong with the account and why the original loan was never being paid on and why every time a payment was made it was being treated like a new loan was taken out and never had a response. The website is unclear about how much will be paid in interest and fees on a loan. Also the online site does not give a full account history after payments are made. Castle Payday hides the fact that you will never make headway on the loan and by not giving someone their payment history they can not see that they are not making progress on paying down the loan. Now I have paid in more money than the loan was issued for and never even got any of the principle paid. The original loan was taken out XX/XX/2015. First payment was XX/XX/XXXX. I have an image I will attach with this complaint that shows that Castle Payday was issuing a new loan in my name after every payment. On XX/XX/XXXX, I logged in and took a screen shot of my account. It says I took out a new loan which I did not do and never shows any payments toward my loan. They are now known as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: Vehicle Loan ComplaintOn the XX/XX/XXXX, I made a payment on my loan in the sum of {$340.00}. Then from XX/XX/XXXX to XX/XX/XXXX I made subsequent monthly payments of {$350.00} without any trouble ( or so I thought ) until I got a letter from M & T bank stating that " As of the date of this letter, we have not received the payment on your account. '' That I owed the bank {$280.00}. The bank has also charged me a late fee of {$14.00}. 
I could not believe what I was reading. I always make sure I pay my car note before the due date and I always make payments at the branch so what was the matter? 
I went to the bank and demanded to know what was going on only to be told by the bank officials that the check I issued for my XXXX payment for {$340.00} went missing and could not be traced since XX/XX/XXXX and therefore I should issue a check for {$280.00} to make up for the amount of the missing check. 
My question is, assuming that the check went missing since XX/XX/XXXX why wait till XX/XX/XXXX. Why is the bank telling now? If the bank had made me aware as soon as they realized the check was missing in XX/XX/XXXX, I could have issued a replacement check in XX/XX/XXXX for the payment. The bank for some reason decided not to inform me until now. 
My next question is, why is the bank demanding that I make both my current payment and the payment for the missing check by XX/XX/XXXX or else ....? I think that for the bank to demand that I pay a total sum of {$640.00} by XX/XX/XXXX without any negotiations is very harsh and unfair. 
My other question is if really I have fallen behind in making monthly payments, why is the bank asking for {$280.00} and not {$340.00} which is the regular monthly amount? 
Again why is the bank charging me a late fee? 
A few days later I received my regular monthly statement. My account transaction activity showed that on XX/XX/XXXX all the payments I had made from XX/XX/XXXX to XX/XX/XXXX were described as payment reversals. Then the same statement shows that payments were applied to my account from XX/XX/XXXX till XX/XX/XXXX. 
I also called the bank on XXXX and talked to XXXX different representatives who did not seem to understand my complaints. 
Since this matter is not entirely my fault, I think that in all fairness, the bank needs to agree for me to pay off the said {$280.00} in instalment. I can pay an extra {$30.00} monthly to bring the account current. I hope this matter is investigated and settled amicable. 
Your prompt attention to this matter will be greatly appreciated. Please find enclosed copies of the said letter and monthly statement account. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Account opening, closing, or management

Complaint: This compliant is in regards to a business credit line for my business XXXX. I currently have an installment loan with this bank with an initial loan for XXXX. I currently owe a balance after XXXX years of {$13000.00} in which I will be paying off as of XX/XX/XXXX because it does not make sense to pay a set amount based on XXXX when the loan is down to XXXX. I have not missed a payment and I am in good standing with the bank and my payments were all current and to date. I have a good credit score per personal in the XXXX 's and business score for my business because I was just recently approved for XXXX approx a month ago in credit card but the bank did not have a credit line product so I applied at Huntington Bank due to I have a relationship with them and a installment loan. I applied for a credit line for XXXX dollars and was told the process would take XXXX hours however after XXXX weeks I called XXXX and he stated that they were backed up on loans and also read the Email back to me stating the underwriting said that If I had a hard time paying off my current loan that would be an issue but which the banker, XXXX must have gotten the information confused that he sent to the underwriter becuase I told him I was paying of the existing loan but I express to the banker, XXXX I am paying off the existing loan but I just wanted to apply for the creadit line to have a credit line available it took XXXX weeks to find out I was denied but did not find out by that banker XXXX but only after calling several other personnel for customer service and branches. I am writing this compliant because I feel I was unfairly denied for a business loan I should have received. These are the following factors : XXXX. This existing loan will be paid off as of XX/XX/XXXX XXXX. I have good personal and business credit XXXX. I have been in business over 15 years XXXX. I have not missed a payment on the loan XXXX and have paid XXXX XXXX years current and in good standing. I feel the banker has dropped the ball and handle this particular banking issue reckessly. Further, I have several other credit lines and have had for over 20 years and all are in good standing. This is the lst time I have encountered a situation where it takes XXXX weeks and still no answer until I call another bank and even they thought it was odd to wait XXXX weeks for a decision. Last, I am writing this compliant due to the banker XXXX not properly conveying my circumstances for receiving a credit line and has in essence blown my chances for a credit line I was suppose to receive based on my currently standing in business and I feel not only a violation for my business but my rights as a business owner. 

Desired Outcome : My desired out come is to have my case properly conveyed and reviewed so the outcome by the underwriter can be made with proper and correct information and not misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: We were contacted b Allied Collection Service by phone XXXX notifying us of XXXX attempt to collect an invalid debt. We asked them to send the information and the notice of the right to dispute so that we could dispute it as numerous attempts to resolve with XXXX " Customer Service '' had failed. We never received the details or the notice of right to dispute from Allied Collection Service. We called Allied Collection Service on XX/XX/XXXX to let them know the debt was resolved, even though we never received the details from Allied Collection Service or the right to dispute. On XX/XX/XXXX and XX/XX/XXXX, Allied Collection Service opened account against my credit with XXXX, XXXX, and 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 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EXPERT GLOBAL SOLUTIONS, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX I paid in Full to " NCO Financial System Debt collector '' for Creditor XXXX and advised me to keep my receipt due to during that time Collection agency, attorney and banks were involve in embezzling, scams, frauds and charge clients double amounts, On XXXX XXXX Law represent " NCO Financial System '' stated judgement were made on XXXX for same Debt account, I called and faxed settle Paid in Full and account was close on XXXX. few days later I called them back to confirm if my document was received and was confirmed and not to worry, not knowing why I keep receiving same Debt so I consult with another attorney, On XXXX I received another judgment, Garnishment/Levy to my Bank from same attorney XXXX , I again called their office and faxed receipt from NCO on XXXX, I was told if I did n't get a call back from them means no actions would go forward and not to worry, so I thought everything is fine and did n't take my money. 
since Year of XXXX I had XXXX due to XXXX at work, being abusive at home from my ex husband n take care of my children leads to divorce in XXXX n final divorce judgment order from Judge to sell my home in XXXX, I closed my account in XXXX n found XXXX garnished total mount of {$130.00} + {$4800.00} plus {$50.00} non refundable from my checking in XXXX! I have copy of the garnishment from bank, XXXX I called the Law Firm multiple times to request my money back and again fax my document. 
XXXX my call got transfer to XXXX, he told me if they did n't do anything in XXXX then why now? and is too late cause of legislature and why wait 10 years and he not longer work with NCO Financial, I respond I texted and what their office told me ( attachment attach ) I respond 10 years ago I send and faxed my proof and told they have my document and not to worry which he ignore in XXXX because he want my money is like I 'm been Robbed, I felt he took advantage of me due to his profession as attorney and not communicate with his client and took my money for himself. I felt violated and victim of scam after I Paid in Full t rob me, I am requesting my money back plus what I been through with this account.

Company response to consumer: Closed with explanation