milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Payday loan () with Acceptance Solutions Group, INC (OH).
Issue: Can't stop charges to bank account

Complaint: Despite being set up to make payments through direct payroll, the lender continues to withdraw from my checking account. On XXXX/XXXX/15 after daily NUMEROUS threatening calls, and voicemails I was connected to XXXX the manager who was able to resolve the double payment issue and credit my checking account within 1 hour. On XXXX/XXXX/15 the lender was paid through payroll and again withdrew from my account. Throughout the month of XXXX I was told the payment was not received through payroll but for a specific dollar amount this could all stop/go away. On XXXX/XXXX/15 the amount was {$180.00} to make it all go away. I said this was not a viable solution and that I had been assured by XXXX she would personally oversee my account. Also on XX/XX/XXXX I was told by XXXX that XXXX was not in the office but if I did not want to settle for {$180.00} ( this is in addition to the XXXX x XXXX paid on XX/XX/XXXX from payroll and withdrawal from checking ) he would have her assistant reverse the bank withdrawal. As of today I am still missing funds. Throughout this ordeal I have been lied to - XXXX claiming to be XXXX a supervisor on a subsequent call. XXXX to whom I spoke with on Sat. XX/XX/XXXX - she said she could not help. then on XXXX XXXX I was told I would be transferred to XXXX 's assistant and that she could reverse the withdrawal from my account. I was transferred to XXXX - she immediately dropped my call. I am not sure what the scam is but I have been harassed, lied to and insulted.

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 05/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have several student loans from dept of education  XXXX  that are showing late payments. My loans were in deferment and I have never had a late payment. This is messing up my credit by reporting that I have several late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit Systems LP has been reporting a collections account on my XXXX and XXXX credit reports. The balance is for {$2000.00} and the original creditor is XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I sent my first debt validation letter XXXX XXXX, 2017 ( Please see attached ). Southwest Credit Systems LP responded to this debt validation on XXXX XXXX, 2017 by telling me that I had a right to request the substantiation of the debt, which is exactly what I was trying to do with the letter I sent. In that letter, they told me to send the debt validation letter to different address than where the first letter was sent. 

Their response to my first letter is attached. 

I then mailed a second debt validation letter on XXXX XXXX, 2017 to the address given on their response to my first letter once again requesting the validation of the debt they claim I owe them. 

I have yet to receive a response from them. 

This issue is adversely affecting my credit profile, my credit score and it is hindering me from accessing financial products that can be of use to me. 

I respectfully request that the Financial Consumer Protection Bureau contact Southwest Credit Systems LP on my behalf and have them substantiate ( validate ) the debt they claim that I owe them. 

I do not recognize this debt and all I 'm requesting is that they follow the law. 

A request for validation of the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA requires that Southwest Credit System LP provide me with competent evidence that I have a legal obligation to pay them. This includes : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have not received any of the above required documentation despite submitting XXXX requests. 

If Southwest Credit Systems LP can not provide the above mentioned documentation, I request that they delete the account from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Settlement process and costs

Complaint: I am in the process of refinancing with quicken Ioans, it 's been over 45 days and still do not have a closing date. They keep giving me the run around and its been nothing but a headache.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Amex credit card account from Macy 's had fraudulent charges on account ( an account which I have never used, and is opened automatically and in addition to the store revolving account ). In XX/XX/XXXX, I contacted Macy 's fraud department to get this resolved when I noticed the charges. I am still waiting on receiving paperwork from them to continue this process. I have spent countless hours on the phone trying to receive this paperwork, but am not receiving it at my house in the mail. All other mail I have no problems receiving from other people. They are unwilling to send it to my email or by registered mail. At one point for a few weeks in XX/XX/XXXX they shut down their phone system resulting in countless more hours spent on the phone with other Macy 's departments trying to reach the fraud investigation department. In the meantime, Macy 's debt collection has been harassing me, calling as much as 4 times a day, to try to force me to pay this debt that I do not owe from identity theft. I have spent countless more hours on the phone with them explaining that Macy 's fraud investigation told me not to pay this debt I do not owe, but they do not stop calling. Sometimes, when I start to yet again explain the situation, they just hang up on me. The departments are not communicating with each other, resulting in non stop harassment of me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My mother is getting her credit score affected when I was told by Navient 's Advocate 's office that they would not be reporting on her credit record as we are currently discussing recalculation of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (HI).
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: In their response to my complaint # XXXX Navy Federal Credit Union stated that they removed my name from account # XXXX on XXXX XXXX, XXXX as an additional card holder and notified all XXXX nationwide credit reporting agencies on XXXX XXXX, XXXX, which includes XXXX to update their information to reflect this new information. However, because my credit report from XXXX did not get updated as of XXXX XXXX, XXXX, I called XXXX to find out why and they told me that they have not received any communication from Navy Federal Credit Union. I was told that information by XXXX different persons at XXXX on the same day. My husband also tried to call the contact person from Navy Federal Credit Union mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX, XXXX my husband spoke to a credit card servicing agent at Navy Federal Credit Union to discuss the conflict between what they reported in their response to my complaint and what XXXX  was reporting to me and they stated they would re-submit to XXXX the updated information and notify my husband when that was done. There has been no response from them as yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The purpose of this complaint is to obtain a transcript of my account and or final billing of the last 90 days of the account that is in collection : I requested home phone service be disconnected XXXX XXXX. XXXX XXXX I requested internet service disconnected. I was told I owed {$100.00}. i was told i would receive a final bill within a few weeks that would show the exact amount owed since i did n't have service the full month of XXXX. 
XXXX XXXX i called XXXX sales department to start new service. i was told i was not eligible for service with them until i paid the final bill then I was transferred to customer service and paid old bill of {$100.00} then i scheduled new service installation XXXX XXXX XXXX XXXX i noticed XXXX collection was on my credit report. i sent copies of my statement showing this was paid before the new service began and i have repeatedly requested a copy of the final bill which shows i owe an additional {$82.00}. 

i have called XXXX and requested a copy of the final bill. i have requested this from the credit bureau and from the collection agencies. i do not have bad credit besides a medical bill and the fact that i can not get this removed from my credit or marked as paid is bothersome. What is even more bothersome is that i keep asking for a copy of the final bill showing i still owe funds. i had XXXX for over XXXX years and they never ever allow your new bill to generate if the old bill has not been paid. 
My monthly bill was {$84.00} each month for phone and internet combined and this was auto debited from my account for years. Please request they remove this from my credit or send me the final bill as i have requested for over a year. They keep sending this to new collection agencies which is really causing my credit score to drop. 

Thank you.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: Equifax is reporting an account that is still being disputed with XXXX. This should not even be reported. Also, the amount and dates of the report are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XXXX XXXX /navient are not reporting my payments on the credit bureau just only the balance. So when I apply for a loan they tell me that I do not pay my student loans ( XXXX XXXX / navient ). XXXX XXXX /navient loans automatic comes out of my checking account each month for the last 4years. Please Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I opened an account online with Chase Bank. I made a few deposits which all cleared. The day my largest deposit cleared Chase froze my account. One XXXX XXXX 2016 I was informed that Chase was closing my account and that a cashier 's check for any remaining funds would be mailed. 
It is XXXX on XXXX/XXXX/2016 and I just spoke with the department at chase which froze my account. I was told that Chase sent out a cashier 's check for {$25.00} for the remaining balance. After arguing with the Chase representative who ( shocker! ) gave me incorrect information the Chase representative put me on hold and came back and said there is an additional {$1000.00} in my checking account that is being held by Chase. I was told that Chase needed to " verify '' the check deposit into my Chase account for {$1000.00} that was written from an account I own at XXXX XXXX. The check cleared on XXXX/XXXX/2016 which is 12 business days ago. I am attaching my last statement from the account at XXXX XXXX which the check was written on as well as a front and back copy of the cleared check as well as screen shots of my online banking showing when the check cleared. I am requesting that Chase immediately release these funds to me in the form of a cashier 's check mailed to my home address which is also the address on the bank statement from XXXX XXXX as well as the address on the check that was written.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently pulled a copy of my credit report to find an account listed as charged off and name spelled incorrectly. I attempted to dispute this debt with the credit bureaus to no unveil, resulting in filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (I do not know) with ERC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX2017 I contacted ERC in regards to a letter my father had given me from them. I spoke with an individual and requested a copy of the written contract. At which time, I was transferred to a XXXX. XXXX continued to speak over me, belittle me, and engage in unprofessional and abusive conduct. I have subsequently had to see a XXXX as a result. 

Afterwords, I contacted the company and requested to speak with their attorney regarding their illegal conduct. I received an e-mail from a XXXX XXXX in response to my letter and clearly provided legal advice. Her own words state " XXXX XXXX let me advise to you, that no law exists where an employee of any agency is required to tolerate and withstand continued insults and bullying by a consumer no matter how angry that consumer feels. ". She goes on to provide legal analysis in the letter. After checking with the Florida Bar Association, XXXX XXXX is not licensed to practice law. 
Under Florida Criminal Statute " Engaging in the unlicensed practice of law in Florida is also a crime. It is a third degree felony. '' The conduct of this company and its employees is completely without word. It surpasses industry standards and recklessly disregards both civil and criminal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 06/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold Bank Account in XXXX 2016 and I opened it because of a promotional offer from Citibank for XXXX XXXX XXXX points. I received via e-mail a PDF letter from SXXXX on XXXX XXXX, 2016 specifically stating that the promotion was attached to my account and that I need to complete the the terms that required spending {$1000.00}. on my account 's debit card and XXXX or more online bill pays for 2 consecutive months. Further it stated that " Once you meet the above terms and conditions, please allow 90 days ... '' ( letter is attached ) the XXXX XXXX XXXX would be placed in my XXXX XXXX account. I did everything that was required in the letter and I did not receive the miles. I sent an e-mail via their website 's secure message system inquiring about where my miles were and they sent me an email back saying that I was n't eligible and they are refusing to put the miles in my account! A quick internet search is showing that this is happening to a lot of people and, in my opinion, Citibank is being dishonest. In the meantime, they are charging me {$30.00} a month for this checking account.

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 08/21/2015 about Mortgage (Conventional fixed mortgage) with WEICHERT FINANCIAL SERVICES (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: When I bought my house, I was persuaded by the low monthly payment XXXX {$1600.00} per month XXXX. I had a 30-yr fixed mortgage at ~3 %. In less than one year, that increased to more than {$2300.00} per month. I was told that the ( escrow? ) costs were underestimated and because the seller had made major improvements before I bought it, the taxes were increased. The realtor XXXX Weichert in New Jersey XXXX had not mentioned this to me at all prior to my purchase, even though I 'm a single woman supporting a family by myself. I complained but they told me it would go down later. It did go down a year later, but to {$2100.00} per month, still much greater than the {$1600.00} per month that I thought would be my monthly mortgage burden. Weichert of course knew I made ~ $ XXXX per year, and that I had substantial cash savings and no debt ( other than the house mortgage ), so they thought it was no big deal if my costs went up because I could afford it. They also unilaterally made a bid on this house that was higher than the bid that we had agreed to on the house, based on the neighborhood comps. Again, they just wanted to close the transaction ( this was almost 3 yrs ago when the housing market was still struggling somewhat because potential buyers were being rejected for mortgage loans XXXX. What Weichert did was completely reprehensible, if not illegal. They breached their fiduciary duty to me out of their own greed. I would not have bought this house had I known that my monthly payments would be this high.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Consumer Loan (Installment loan) with BB&T CORPORATION (TN).
Issue: Taking out the loan or lease

Complaint: They are trying to make me pay for a loan thats not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX-XX/XX/XXXX I accepted 3 student loans from XXXX XXXX in order for me to attend XXXX XXXX school in XXXX, Tx in which has closed. 

During the lifetime of these loans they have been deferred due to in school deferment and/or forbearance due to being unemployed and unable to pay money towards the loans. 

In XX/XX/XXXX I was XXXX XXXX XXXX and XXXX XXXX XXXX due to this devastating time I was unable to attend school and work. Therfore, I called XXXX XXXX ( now Navient ) to get my 3 student loans accounts in forbearance. The representative advised me that she placed a  forbearance on my account and it would cover up to 90 days of past due payments if any were reported as past due. However, once the accounts were transferred to Navient they claimed the account was not notated with this information so they began to report all 3 of my student loan accounts as past due. I have requested several times for the call to be pulled and reviewed, but Navient refused to listen to the call and investigate this concern further.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with explanation