milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Alleging I owe on a XXXX phone bill, however I 've never had said lines. None of the lines had any usage and that is suspicious. I 've had XXXX for over 10 years. Sent me paperwork with my name on it when I requested validation, could have been forged. Nothing with my signature was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Before XXXX XXXX was transferred to Navient, XXXX XXXX, by mistake had made my Father the primary loan holder and myself the co-signer. Prior to my graduation from college 6 years ago, we had been trying to resolve this issue to no avail. 

Once the loan was transferred to Navient, a lot of paperwork was lost between the XXXX service providers, so my Dad and I began trying to remove myself as co-signer from the loan entirely. At the time, the account was in good standing, as the payment was only $ XXXX- $ XXXX/m. We were told on more than one occasion that removing myself as a co-signer was not an option. 

Now, my Father is deceased as of XX/XX/2016 from XXXX at the age of XXXX ( which Navient had the audacity to tell him he was lying about even being sick ). In light of the federal lawsuits being held against Navient, I learned that there were in fact processes that my Father and I qualified for on several of my loans ranging from income based payments ( because I made {$28000.00} a year when I graduated from school and could n't afford a $ XXXX/m payment ) to removing co-signers from a few of my loans ( my grandmother is a co-signer on some of my loans and during financial turmoil, it ruined her credit, my father 's and my own ). Now that my Father is deceased, NAVIENT told me I am the primary loan holder and no longer qualify to be removed as a co-signer, even though they purposefully withheld the process from us for over half-a-decade. 

Knowing now, that we did qualify for several programs that were never offered to us, even though I begged for reasonable programs to do so, we were constantly forced into forbearances that only increased the amount of interest we owed on my loans. There was even a point during the recession where we had all been laid off and we were told Navient 's hands were tied and we would just have to default. They garnished over {$10000.00} in tax returns WHILE MY FATHER HAD XXXX, when they had programs that could have helped us. 

All I ever wanted to do was have the ability to pay back what I owed, instead I was treated like a lowlife looking to get out of repayment, simply because I could not afford it and NAVIENT was actually withholding the programs that could have enabled me to do so. I have seen my loans increase almost 33 % over 5 years from compounded interest and I am just now able to afford paying back my loans. 

This all could have been avoided and I am deeply insulted and seeking legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (MI).
Issue: Managing the loan or lease

Complaint: I had a load with a company called navigator and they went out of business. then a company called flagship bought the account. I had some late payments in the past. I got back on track and made my payments on time. Now that I come to the end of the loan I asked how much I owed then I was told and was sent out that the total amount do is {$670.00} and my payments or current. Then I was told I owe XXXX the paper work shows that I had XXXX left as of XXXX/XXXX/2016 then reported me late to the credit burial. All I have left is XXXX payment.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effectiveXX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX I received a letter from first national collection Bureau located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with XXXX she then hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (IL).
Issue: Deposits and withdrawals

Complaint: Ally bank advertises that they do not charge any fees for the international incoming wire transfer. Since Ally bank does not have a XXXX code, Ally bank uses XXXX XXXX XXXX as an intermediary bank. 

I was told from the Ally bank customer service that if the fund is in US dollars, 'Ally bank and the intermediary bank ' will not charge any fees. What is quoted is 'no fee from Ally and XXXX '. However, the intermediary bank charged me {$22.00}. I first contacted Ally, and got a reply to contact the intermediary bank ( XXXX ). I contacted XXXX, then I was informed that XXXX as an intermediary bank always charges the transfer fee. I contacted Ally again, complaining that they provided the wrong, misleading information. However, they maintain that because the fee occurred in the third party, they can not reimburse the fee. 

I am very disappointed that 1. the bank provided the wrong information 2. They refuse to reimburse because it is happened by a third party. Ally bank should take responsibility for providing the wrong information and the loss of the customer from the wrong information.

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 04/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing a collection with the FTC an transunion I followed all procedures explaining that the debt is not mine and was opened by someone else with my social security number transunion has failed to remove this from my credit report XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX balance showing owed {$3700.00} this debt was never mine and is not mine the following collections agency has failed to provide documentation or proof of ownership as per FDCPA guidelines I have requested all collection attempts stop and I have requested that transunion remove this from my report and they have failed

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 01/29/2018 about Debt collection (Credit card debt) with Galaxy Capital Acquisitions, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am writing this complaint because it has come to my attention from XXXX XXXX that improper reporting has occurred and that I should contact Galaxy International Purchasing , LLC. Also, according to XXXX XXXX they have no rights over the alleged debt, XXXX  ( Galaxy International Purchasing , LLC ) does. I sent out a Debt Validation letter on XX/XX/XXXX, I have not received anything back from XXXX. I sent the same letter to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only thing I have received is statements and print screen of application, which does not validate the debt. It is hard to communicate with this company as regarding XXXX and XXXX XXXX if they do not respond back as I only do written correspondence. Lastly, according to Illinois Department of Financial & Professional Regulation, Galaxy International Purchasing , LLC does NOT have a license to collect in Illinois. I got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the alleged debt was sold to XXXX, I moved to Illinois in XX/XX/XXXX and I made sure that XXXX XXXX was aware of it. I also made my payment for this debt in XX/XX/XXXX when I was living in Illinois to XXXX XXXX XXXX  which settled the account to paid in full settled. Stated in a previous CFPB complaint that XXXX does not report nor does XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Payday loan, title loan, or personal loan (Installment loan) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a home improvement loan over the phone through XXXX XXXX at 9 % in XX/XX/XXXX of 2015. Prior to that, I had a checking account and a credit card with them that was in good standing. Because of this the fund was deposited into my checking account within a few days. Several weeks later, I received the loan documents in the mail requesting my signature and notice the interest rate was 18 % instead of 9 %. Immediately, I contacted the bank regarding this matter and was told, they would review the original phone call and make the proper adjustment. After a month, I checked my account and notice no change was made to the loan. I called again and was told once again that they would look into the matter and make the proper adjustment. Since then, I have made several phone calls, a visit to my local branch to resolved the matter, and was told over and over that they would make the changes but it never happened. After waiting for a year, I disputed the loan by certified mail. I gave them 30 days to respond but they never did. I have sent three certified letters and they have not validated my account bearing my signature.They are still reporting my account as being late to the credit bureaus and have refused to mark the account as disputed. This have greatly impacted my credit score negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: keep calling several times a day sometimes they just hang up when my machine picks up or today left a message this is XXXX calling from trans world systems, about a debt

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX, I was charged {$12.00} for Overdraft Protection Transfer Fee. 
On XX/XX/XXXX, I was charged {$35.00} for OVERDRAFT ITEM FEE On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for a check # XXXX On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for an electronic transaction. 

I have not yet contacted the customer. I can understand the charge for the check, but the other fees seem excessive and unnecessary.

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 12/22/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I have been making payments on this auto loan over the last 4 months, even though I am late with making the payments. I understand and take full responsibility for being late, but Wells Fargo Dealer Services wishes to do nothing to assist with helping me with being late. All they want is the money and the late fees on the loan continues to climb, which will eventually eclipse the amount due. No efforts are made to rectify this and no matter how much of a payment I make to the loan, they just continue to tack on more and more late fees and when asking about bringing the loan fully current next month, they only state that they will do nothing about the late fees. They state how much they wish to help me, but they do n't. They just want the money and they want to do nothing. They can not reduce the payment or do anything that will help me. All they are doing to help me is blow up my phone with calls, send threatening letters about how they will get their jollies off on taking my car, and how they want to continue to stick it to me with late fees. Eventually, the late fees will go over the total amount paid. I AM NOT PAYING THE LATE FEES. IF WELLS FARGO WANTS TO HELP ME THEN THEY NEED TO HELP ME AND NOT BE LIKE A PREDATOR.

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 10-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient keeps ignoring my allocation instructions, as I am paying ahead on my loans. I write the instructions on a separate piece of paper when I send it in, and also call them before I mail the check with the instructions to put into the computer. They always say they are sorry and it wo n't happen again, yet each month I have to call back after I go online and see my payment has been allocated incorrectly. Dealing with them is 15-25 minutes of frustration each month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Wells Fargo ( " WF '' ) XX/XX/XXXX at a branch in XXXX, XXXX. It was a no fee college student checking account. I actively used that account until XX/XX/XXXX at which point I moved to XXXX, XXXX. XX/XX/XXXX, WF had not yet opened branches in XXXX, so I moved the majority of my cash assets to another bank, but kept the WF account open with some cash remaining. When I checked the status of my account a few years later ( approx. XX/XX/XXXX/XXXX ), I was surprised to find out that WF had closed my checking account. Worse, I never received a check from WF with my remaining cash balance in the WF checking account. I never authorized any change to my free checking account, let alone its closing. 

In the wake of the recent developments about WF 's fraudulent practices, I began to wonder what happened to my cash in my checking account. I saw that WF took out full page ads in the XXXX XXXX XXXX to call about complaints to restore customer confidence, so I called that number to see if WF would pay back the money they took from me. I provided my WF checking account information as well as relevant dates to the WF customer representatives but none were willing or able to help me. In fact, they had no record of my checking account despite the fact that it was still apparently open as recent as a few years ago. I obviously knew my account had existed and still had checks, etc. listing the account number. In the end, WF representatives refused to help me. I even think that they thought I was lying about my account ( ironic given their track record on honesty ). 

I suspect a couple things may have happened : 1 ) They changed the nature of my account, without my consent, and ate away at the balance through " fees '', or 2 ) they simply stole the money and closed my account as inactive. I also suspect that the reason WF could n't locate my account is because they had ( or still have ) record retention policies which favor their fraudulent dealings with customer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Related Complaint - XXXXXXXXI 'm deeply concerned with the response by Equifax. The item in question is still listed on my credit file and should be deleted. I fear that this raises various other violations with respect to Truth in Lending, FCRA, and FDCRA. 

I have been advised by my attorney XXXX. XXXX XXXX XXXX. that under the violations listed above I am entitled to damagers statutory, punitive damages, actual damages, and attorney fees. I have also been advised that there are multiple violations that would allow this to be pursued on a class level. 

I am very concerned at the way that XXXX XXXX conducts itself and it 's disrespect for the laws with respect to Truth In Lending, FCRA, and FDCRA. 

The way they have handled this and continue to resist removal of this trade-in from my credit reports raises other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with DISCOVER BANK (MD).
Issue: Customer service / Customer relations

Complaint: Discover card offers a price protection guarantee for items purchased using the card whose price drops within 90 days of purchase. I purchased a number of iPads that later dropped in price, but the company to whom Discover outscources their claims service, XXXX, refuses to pay out on the claim. The reason cited is that there is an exclusion for paying on no more than XXXX of any identical item. I purchased XXXX iPad mini 4 XXXX in Space Gray, and XXXX iPad mini 4 XXXX in Gold, and I have been told that only XXXX of these qualify ; the terms exclude size or color in the determination. However, in looking at DIscover 's terms and conditions listed on their website, I was only able to find the following sentence : " Coverage is limited to XXXX of an identical item with a limit of XXXX refund per eligible item. '' Nothing about color or size. The XXXX different types of items have different model numbers, are discounted independently from oneanother ( there was a sale at staples where silver iPad mini 4 XXXX were not discounted but the other colors were ). By any reasonable reading of that sentence, one would conclude the items are not identical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Why would I have to pay almost {$100.00} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?

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 10/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (FHA mortgage) with EMBRACE HOME LOANS (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home with Embrace Home XXXX and closed on XXXX XXXX, 2015. I refinanced from a 30yr mortgage with no MIP. The MIP was removed after 5 years and after my LTV was below 78 %. After about 2 years I decided to refinance for a lower rate and no MIP. I refinanced with a streamline 15yr mortgage. No upfront MIP and no annual MIP. I have made payments for a year and then Embrace decided to withdraw money from my Escrow account without my knowledge to pay form MIP. They withdrew money to pay for taxes and insurance and caused my escrow account to be short. After trying to get them to understand that I did not have MIP, they decided to refund my account. After refunding my account they said my loan should have had MIP. Based on what the lender and other lenders I shopped with before deciding to go with Embrace my loan does not have MIP. I did not sign any documents that stated this loan would have MIP. All loan disclosures we signed only stated payment would consist of P & I, taxes and insurance. How can 1 year after closing a bank just can add insurance to a loan and remove money from accounts that they have no rights to. It is my understanding that nothing can be added to a loan after closing. If there was a clerical error they could contact me to correct that but. nothing regarding the amount of loan, interest or any other payments could be added. Please help I have tried since XXXX of this year to get this corrected and they can not seem to fix this problem. It seems that the bank should be fined and held responsible for this error and correct the problem or pay my house off. I attempted to make a payment today online like I normally do and could not, because the payment amount is incorrect because of this problem. They have added MIP to my payment and well as a shortage amount which they caused the shortage themselves by steeling money from my escrow account. I have attached my Final HUD, Truth and lending statement, which show no MIP at closing. I have also attached my first payment stub which also shows no MIP. The current payment know shows MIP and escrow shortage. This need to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had informed First National Bank of Omaha in the month of XX/XX/XXXX that i had been taken off work due to a XXXX XXXX i contacted from a XXXX. The representative stated I would receive a letter with a form for hardship. Time passed as my health declined i was transitioned to XXXX XXXX for care. Now over a year later i attempted to buy my XXXX this current month of XX/XX/XXXX and found a levy placed on my bank account that was now at XXXX dollars from my XXXX check as well as a hold on my moms safe deposit box. They had filed suit at the XXXX court with a judgement for {$5200.00}.

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