milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Debt collection (Medical) with BYL Collection Services (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not aware of debt until I checked my credit report and saw XXXX notices from BYL Collections on my XXXX report. I then filed a complaint with Consumer Protection and the XXXX After much back and forth with BYL through the XXXX, it was discovered that BYL had sent notices to an incorrect address and never sent me any notice of any debt and therefore made no attempt to ( 1 ) collect a debt and ( 2 ) no due diligence to ascertain my correct address prior to contacting XXXX BYL therefore stated that they would remove the information from my credit report. However, I have disputed the information with XXXX and each time BYL verifies the debt to them and denies removal of the debt. I have a statement, in writing, through the XXXX of greater Washington from BYL stating that the derogatory marks would be removed once payment was received. Payment was sent by the company making payment on the account at the end of XXXX. BYL needs to find out if payment was made to the original creditor. So, besides the fact that they never gave me notice of any debt that was owed ( neither did the original creditor ), they also have reneged on their agreement to remove the information from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Bank account or service (Other bank product/service) with UMB BANK, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: We have a Health Savings Account ( HSA ) with UMB Bank. In XXXX 2015 we tried to contribute to the account by electronic transfer. The UMB website froze during the process, so we started the transfer again. The bank then processed XXXX transfers resulting in an excess contribution. We contacted the bank about the excess contribution and they said we had to mail or fax a form for the refund and a {$15.00} fee would be charged and a refund would sent by check. We submitted the form and about a week later the account was debited for the over contributed amount plus interest and the fee was deducted from the account. We waited 10 days and did no receive a check. We contacted the bank and were told that a check had not yet been issued and contact them again at the end of the month if we did not receive the check because they were busy and can take up to thirty days to refund the money. Meanwhile no interest is being paid to us on the amount. They were not too busy to debit the account and charge a fee! A business practice to remove money from an account and the hold it for up to 30 days without interest seems unfair and poor treatment of their customers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My wife lost her business in the end of XXXX, we have since separated and are in the process of divorce. We have decided that I would keep the house. In XXXX XXXX, GTS told me to enter into a forbearance loan for 6 months. At the end of the period if I made all payments on time I would be eligible for a loan modification. My monthly payment was XXXX, the forbearance was XXXX a month but I was told to save the addtional XXXX for each month that I would be required to pay a lump sum of XXXX in XXXX. How this was supposed to help be get out from under is beyond me. It is now XXXX XXXX and I received a letter from GTS that they in tend to foreclose on my home on XXXX XXXX. They wont give me the promised loan modification and offer me no resolution other than curing the debt by XXXX XXXX. They basically lied to me, I have been paying everything in full and on time and yet they are treating me like a XXXX. I want to keep my home and I do n't know what to do at this point to keep these thieves from taking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a case with New York State Department of Financial Services, XXXX, regarding an inquiry regarding who has regulatory jurisdiction to enforce New York State 's Unfair and Deceptive Acts or Practices statutes, citing specifically Key Bank 's failure to respond to my XXXX/XXXX/16 request for mediation using the NY State Attorney General 's program, and Key Bank 's failure to my XXXX/XXXX/16 business supplier submission, as Key Bank directed per my phone conference call of XXXX/XXXX/16, to be used as generating income to be used for a workout of the existing home equity loan of the Estate of XXXX XXXX. 
NY State Department of Financial Services referred me to CFPB, claiming that CFPB has regulatory authority over state law violations of a nationally chartered bank such as Key Bank. Is this true? 
Attached is a copy of the screen shots from my business supplier submission saved as PDF files.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SD).
Issue: Deposits and withdrawals

Complaint: Without any notice to me, Wells Fargo took my payroll check for {$1200.00}. They list it as a PCM Offset. When I went to speak with a Wells Fargo banker about it, he said he could not talk to me about it. 
In XXXX, I was working as a XXXX. It was decided that I would get a separate checking account from my wife. As I was out of town working, she went to XXXX XXXX and opened the account for me. Her name was not on the checks. She did not have an ATM. She did not put money into this account, or take money from this account. It was my account alone, or so I thought. 
XX/XX/XXXX, I had an overdraft protection account with Wells Fargo. I went to transfer funds from this account and found it was closed. I went to the XXXX Wells Fargo branch and talked with the banker. He said that my wife had a loan that was overdue so they closed my overdraft account. I asked about her loan and he said that he could not tell me about it as my name was not on the loan. I asked why they had closed my account and he said that her name was on this checking account. I told him that was wrong, this was my account alone. He said since she originally started the paperwork on this account, her name was on the account. I asked him to remover her name, he said that I could not do that, she had to. I talked with my wife and she went to Wells Fargo to have her name removed. I paid the money I owed on the overdraft account. 
On XX/XX/XXXX, I received my payroll check for {$1200.00}. On XX/XX/XXXX I logged into my online Wells Fargo account to pay bills. It showed that {$1200.00} was withdrawn from my account showing " PCM offset ''. I went to the Wells Fargo branch to ascertain what had occurred. The banker told me that he could not tell me, but alluded that it had to do with my wife being on my account. I told him that she had been removed from the account XX/XX/XXXX. He said that, no she was still listed on the account. I went and picked up my wife and we returned. I was told that she had an account that was in arrears and they had taken my payroll check. My wife showed that she was paying on this account that was in arrears. She had made a payment on XX/XX/XXXX. He said that there was nothing he could do. 
On XX/XX/XXXX, this banker said that he tried to get the money refunded but they refused. 
I have had this account since XX/XX/XXXX. I pay all my bills with Wells Fargo and other creditors. Had I known this money was owed, I would have worked to correct the problem. I strongly resent that they arbitrarily seized my payroll check. 
I would like this money refunded to me. I have bills of my own that I planned to pay with this money. I never authorized this withdraw or had any knowledge of a debt. This was my account alone, regardless of what some banker had written.

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter.

Sincerely 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 07-10-2015 about Student loan (Non-federal student loan) with ACS Education Services (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: From XXXX I attended XXXX XXXX. In XX/XX/XXXX I decided to take out a loan with ACS Education Services of which the total loan amount ( including fees/interest ) was {$5500.00} ( $ XXXX base loan and {$500.00} in interest ) The first payment I made was on XX/XX/XXXX. Fast forward almost XXXX years, I am still paying off this loan. Total payment since inception has been {$5600.00} of which only {$1500.00} has been put towards the principal and the remainder to interest. The current variable interest rate listed on my account as of today XX/XX/XXXX is 10.280 %. The minimum payment amount is {$55.00} and I 've consistently been paying {$65.00} per month and I have even made payments as much as {$100.00}. I really believe I should be done with this loan considering that I have not paid the minimum amount towards this loan. I would like for ACS Education Services to explain how are they allocating the interest vs principal amounts whenever I made a payment. The way they distribute my payments have not been consistent every month and month after month at least 80 % + of my payments are going to interest. I really need help in trying to figure out what is going on here. I really think they are stealing my money. Also I am no longer receiving statements and on the website they do not have a link where I can view my statements online. I am not sure why the government has not intervened.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am filing a complaint against Navient because I am stuck in my tracks, and do not know where to turn to. I need to reduce my monthly private student loan payment of over {$700.00} due to financial hardship, and have gotten nowhere with the Navient customer service line. Over the course of the past few months I have placed many calls, and the only guidance I have received is to request a forbearance, as I am ineligible for deferment. I will not accept that the only solution to paying off my loans is to continue tacking on insurance payments to the principle amount ( {$90000.00} when combined with my public loans ). It would simply be financially negligent if I were to do so, and if Navient were to allow ( promote! ) this. I am XXXX years old, have no credit, have a low income with no way to pay off this gigantic debt in my lifetime - sound reminiscent of the 2008 housing bubble? It sure does to me. 

I have requested a payment that allows me to meet my other necessary living expenses - via multiple customer representative phone lines and email contacts - time and time again. I am always provided with the same response : Call the main phone number. Request a forbearance. 

I can not get a clear answer on what other options are available from Navient, while I have heard of many people accomplishing a lowered monthly payment through unknown avenues. 

I have sent paystubs, budget information, and bank statements seeking an alternative repayment plan, and have been circled back to the " solution '' of forbearance each and every time, ensuring that I will be adding to my debt in perpetuity, while barely meeting the minimum payments to avoid defaulting. 

I am not asking for loan forgiveness. What I am requesting is a common-sense approach to repayment : income-based payments, graduated payments, etc. Not forbearance. Not accruing interest endlessly. If my requests for a reduced payment plan is not granted, I will be at risk of default. 
I need Navient to reply with real, genuine information and help, rather than suggesting I try talks with a stiffly scripted customer service phone line or email address that will return me to square one. I 've dealt with this too many times thus far. 

Education is supposed to be the bedrock of the American Dream - something that is meant to establish a level playing field, where every young person can begin his/her professional life on equal footing. 
These private student loan companies have cast the field at a 90 degree angle, and those of us who were not privileged enough to find ourselves with college funds are grasping desperately onto the edge, running the risk of falling off the field completely. 

I am XXXX years old. I am already in a lifetime of debt, and Navient 's only solution is to add onto that.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Vehicle loan or lease (Loan) with STATE FARM BANK, FSB (GA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: We have had so many problems over the past 3 years with XXXX XXXX XXXX XXXX and our rep was never available. It amazed us when out of no where our rep XXXX XXXX shows up to try to refinance our cars. My husband did his and told him he would have to talk to me because our loans are separate and that honestly I did not want to work with him. For days he emailed me and harassed me at my job. When he offered me a loan I could not refuse knocking a year off my loan at the same rate I agreed to meet with him but told him only if I could see the paperwork. When he arrived, he provided not paperwork. He told me he just needed my signature and my bank information and I was " all set. '' When my payment did n't come out I was concerned. Then my husband started getting calls on my car loan I had it and called to file a complaint. When state farm bank called me back I learned not only was my payment higher than agreed I learned my husband was on my loan. I never did an application, at no time was I asked for a co-signer, it was all very odd and rushed. My husbands credit has now taken a hit due to two car loans and we were trying to buy a house soon. Even State Farm Bank admits that some very unethical things transpired but they are not offering to fix it. If I needed a cosigner my mother would have done it for the right refinance and rate. I still do n't have paperwork on my refinance or what fees I was charged. I never did an application or signed to have my credit pulled. How can this happen. My husband swears he only signed for his loan ( or so he thought ). Very unethical practices all for a little commission. I have hired a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My Mothers mortgage went into default due to hardship. I contacted Wells Fargo requesting the steps to assume or modify the loan and explained my intent was to keep the home. I spoke with numerous people at Wells Fargo. I was informed that we can apply for a modification and or other alternatives in order to keep the home. They assigned a Home Preservation Specialist by the name of XXXX XXXX. She started the process and then stated that because the mortgage is on my mothers name it could only be done with her. She stated so it ca n't be done. Several calls back in forth no success. I contacted Capital Law Center XX/XX/XXXX they received initial payment via invoice even up to XX/XX/XXXX, and seemed as if they were getting the process rolling as I thought, until I find out I was scammed, with no return calls or notices. Next day of XX/XX/XXXX, received an advertisement on foreclosure, concerned I searched the internet and found out that the house will be auctioned on XX/XX/XXXX. I wanted to assume mortgage under my right according to The federal Garn-St Act of XX/XX/XXXX. The Act prohibits enforcement of a due on sale clause in certain transactions such as : a transfer from parent to child. They failed by not allowing me to assist in keeping the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The apartment complex is calculating charges that are not owed and does n't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2011 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$4900.00}????

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
Consumer complaint received 07/20/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I Dont have a XXXX credit card this company has been harrasing me for the last few years, i have asked them to tell me what was bought and when, and they said they dont have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had my {$490.00} payment on auto withdrawal from my account every month on the XXXX. Unfortunately, this setup only lasts for one year increments for some reason. I called Navient last month to tell them to keep my payments on the XXXX of every month because that worked for me. I just happened to check my bank account this morning and saw the payment came out on the XXXX instead. It 's my understanding that it 's illegal to withdraw an unauthorized debit from an account. I called Navient and they said they would n't have done that and will be reviewing the tapes and get back to me. I know for a fact I asked to keep my payments on the XXXX of every month because that works for me. Now I need to find another way to make rent this month because my NEXT paycheck should be going towards my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 02/16/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with Washington Mutual. I purchased a text book for about {$150.00}. Chase Bank ended up buying out Washington Mutual and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through Washington Mutual. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.

Company response to consumer: Closed with explanation