milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Debt collection (Medical) with Ability Recovery Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On  XXXX   XXXX ,  XXXX  I submitted a lette r to Ability Recovery Services request ing validation of a past debt . Ability Recovery  Services acquired a collection account from  XXXX   XXXX  which claimed that I owed them {$410.00}. I have since contacted  XXXX   XXXX , requesting debt validation, the company mailbox is closed, and the account is also closed. In  XXXX   XXXX ,  Ability Recovery Services offe red to settle the account at a 20 % discount. On  XXXX   XXXX ,  XXXX , I paid {$330.00} via credit for a debt your firm claimed that I owed. On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX   XXXX   XXXX   XXXX , with reference account #  XXXX , and the same creditor of  XXXX   XXXX   XXXX ,  XXXX , stating I owe them {$82.00}. That account number of #  XXXX  is the same account number listed on a letter I received fro m Ability Recovery Service  on  XXXX   XXXX ,  XXXX . Now, if I paid  Ability Recovery Services w hy is  XXXX   XXXX   XXXX   XXXX  attempting to collect the balance of the same debt for the same creditor? Ability Recovery Services is refusing to remove this item from my  XXXX  credit reports and holding me accountable for {$82.00}.  XXXX   XXXX  sold the account t o Ability Recovery S ervices, transferring my information without my knowledge. Ability  Recovery Services s hould have proof of this debt, to provide me. I requested a debt validation, and as on  XXXX   XXXX ,  XXXX , the company has failed to response to my notice. I have a copy of the digitally certified mail delivery proof showing my registered letter was delivered. All I am asking for is the proof of the debt, under the Fair Debt Collection Practices Act, I am entitled to this proof. If they do not have this proof, they will need to refund me back my money, and I will seek legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX private student loans managed by Navient and I have made student loan repayments to them for over 3 years. Recently, they enrolled me in a special repayment program started from XXXX 2015. Navient & I both mutually agreed $ XXXX monthly payment at 3 % interest to cover the XXXX private student loans mentioned above in order to bring my XXXX student loans into current. I set up auto debit with Navient and they have withdrawn XXXX payments with total of {$1200.00} from my checking account. After withdrawing the first payment on XXXX XXXX, 2015, their staff called me and told me that the previous staff & supervisor did not set up the program correctly, then she cancelled the program and re-enrolled me into another one. A month later, Navient took out another {$630.00} from my checking account on XXXX XXXX, 2015. A few weeks later after second payments withdrawn from my checking account, their another staff called me and told me that the XXXX previous staff did not enroll me into the program correctly, then she cancelled this program and re-enrolled me into another XXXX again. Today XXXX XXXX, 2015, XXXX from Navient called me and told me that the XXXX previous staff ( again ) did not enroll me into this program accurately and the total of {$1200.00} that Navient took out from my checking account did not apply to my qualifying XXXX student loan accounts as initially agreed, resulting the XXXX accounts in delinquent / past due. XXXX told me that she will re-enroll me into another program again... I 'm really frustrated that Navient & their employees have keep calling and telling me that their unqualified staff keep making mistake on my accounts. May I request further investigations on their operations as I believe they are systematically commiting fraud. After over 3 years of making student loan payments to XXXX / Navient, my current balance is almost double original amounts that I got loans from them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit card () with U.S. BANCORP (WI).
Issue: Other fee

Complaint: We had a US Bank credit card account that had been open since XXXX. It was a card we seldom used and kept it for a back up card and the tenure to improve our credit score. Sometime around XXXX XXXX the annual fee became due. We did not receive a billing notice and was unaware it was due. US Bank maintains we were notified. Around XXXX XXXX I did receive an e-mail with the notification about the past due amount. I called the number to clear it up and was told the account was up to approximately {$120.00} after US Bank added late charges for three months. Thinking this was just a misunderstanding I offered to pay the annual fee plus XXXX late charge. They told me the account had been closed and could not be re-opened. At this point I refused to pay for a closed account and a fee I did n't know about. The representative put me on hold to discuss with a supervisor and returned to report that the fees had been reversed and I no longer owed the amount. In XXXX XXXX we refinanced our mortgage. In the process of that we were informed about an entry for non-payment on our credit record. We had been reported for non-payment by US Bank for an annual fee we knew nothing about until it was too late. Fortunately, this was the only adverse record on our credit report because we have always paid everything in full and on time ( or ahead ). It caused our score to dip about XXXX % so we had a good score rather than excellent. We have sent two letters to US Bank to ask them to reconsider, what we feel, is a completely wrong way of doing business. Their responses have been to rely on the true fact that we did n't pay the account. First, we would have paid it had we known about it. We would have liked to keep the account. We have paid the annual fee every year since XXXX. Second, US Bank 's cardholder agreements say that the account fee is to maintain and service the account for the following year. If the annual fee does n't get paid it should follow that US Bank does n't have to keep the account open to service it. Therefore, an annual fee is in a different class of charges from an actual purchase. Non-payment of an annual fee should not have the severe consequence of an adverse credit report. Third, as a corollary to the last point, if a customer does n't pay the annual fee it may be that they no longer want a seldom used account with a zero balance. We would like them to remove their adverse entry in our credit record.

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 01/20/2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Collection agency sent me a notice they were collecting on behalf of a creditor, I responded within 30 days with the request to validate the debt. The Collection agency never responded in violation of the fair credit reporting act, and continued on a monthly basis to send me Billings. I requested that validation of the debt three more times in the past year and the company has never responded. They accessed my credit report through the XXXX bureaus and additionally they placed a collection notice on my credit in spite of the fact that they never responded and validated the debt. At this time I have filed a civil action against the collection Agency for violation of the fair credit reporting act for accessing my credit without permissible purpose and also for placing invalidated information on my credit bureau report which has caused my score to drop substantially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/13/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Transaction issue

Complaint: While I have been making my payments to my Discover card, they have and are still withdrawing funds from the incorrect bank account, which have caused me a total of XXXX overdrafts, cost me {$320.00} worth of fees from the bank ( which the bank has reimbursed ) and {$75.00} returned check fees from Discover which they have not reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NAVY FEDERAL CREDIT UNION (NH).
Issue: Trouble during payment process

Complaint: I recently paid off a home equity loan with Navy Federal Credit Union. In order to pay off the loan they extorted an extra {$50.00} in fees that were never disclosed. The extra fees were not disclosed on the truth in lending statement or any of the closing documents. Navy Federal refused to remove the lien on the property unless these extra, undisclosed fees were paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had an existing loan with CCO Mortgage ( https : //www.citizensone.com ). They have repeated ignored my attempts to refinance my mortgage. My interest rate is so high ( 8.125 % ) and it is causing stress on my monthly finances. They do not want to touch my loan b/c they are getting such a good deal for the bank. The loan was taken out in 2005 and is a XXXX trust. All they tell me is they ca n't help me b/c it 's a XXXX loan. They are not helpful and they do not ever try to assist me in my re-fi efforts. I have tried to combine my XXXX and XXXX trust loans with them but they still do not call me back or offer any guidance. I would like to report them for being abusive with an existing customer and taking advantage of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Savings account) with BB&T CORPORATION (VA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XXXX 2017 I went to the BB & T bank in person to open a savings account. I sat down with a XXXX XXXX filled out all the necessary paperwork and provided all my personal information including my social security number, an account was placed and set up in my name XXXX XXXX XXXX, the total amount of my deposit was {$30.00} dollars, I explained to the XXXX XXXX that the XXXX dollars was valuable to me especially a {$5.00} bill that had three XXXX in it, I had saved that {$5.00} for approximately one year while being homeless. Also the other {$25.00} dollars was given to me from my daughter who I had been separated from for approximately 12 years wit only 2 small visits and was reunited with her in XX/XX/XXXXas you can see it is clear that I wanted this deposited money to be protected and safe in a account, no matter how small the amount.. I left the bank happy with an account. A few days later I went to make a small deposit at the drive through window and was told that the account was frozen and that I could n't make any deposits, to call a number ... a few days later I received a letter from BB & T stating that my name was in XXXX XXXX and that the bank has closed my account. My account has been closed with no check for my valuable {$30.00} dollars ...

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted Re-Entry documents to Wells Fargo for an FHA modification with an income that would more than qualify me. With the help of a HUD Consultant, I was able to do a proper analysis that showed I would qualify. Instead, Wells Fargo showed inaccurate and false numbers to disqualify me from Re-Entry to be approved for an FHA modification. The representative I spoke with in regards to the status of the Re-Entry was very unprofessional and initially refused to give me her name and ID #.

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 09-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Other transaction problem

Complaint: Comment : Shame on you! 

Last year I went to Union Bank in XXXX XXXX XXXX XXXX. I transferred money by wire, but the teller typed mistakes twice. Another time I asked teller to correct the name of the cashier 's check, but she refused and insisted me to go back to XXXX XXXX branch that issued the check. XXXX XXXX branch told me that any branch could do it. So I complained to the manager on XXXX XXXX, he felt nothing just said that he would coach the staff. I said that he should coach his staff before he put her at the counter and caused clients trouble. Then I received a letter from XXXX XXXX. branch to investigate my transactions. However that branch did not tell me which transaction had problem but asked me how much did I make per month. I only had a checking and money market account. Why? Then that branch closed my account, even I asked the branch to write down exactly what information they want and I would provide, and what transaction was violated what rule? But that branch said I am risky so they closed my account. Then I received an email to confirm the transaction I make to close my account on line which I did not do. If Union Bank considered anything I did wrong they should report to OCC or even FBI for investigation, not just closed my accounts and failed to write down exactly which account violated which rule. Shame on you Union Bank, no wonder you got penalties.

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 08/22/2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (AR).
Issue: Credit decision / Underwriting

Complaint: I contacted XXXX re : list of lenders for home refinance. Several cont-tacted me, including Quicken Loans. I told them I was shopping around for a re-finance loan and they gave me information. I specifically told them I was notready to do anything just yet. I did NOT apply for a loan, or indicate that Iwould at a later time. When I checked my credit report I saw their inquiry onmy credit report. My understanding was that my inquiry of rates would NOTbe reflected on my credit report, and none of the others were. I contactedQuicken and was told if they had my ssn # and dob they could check mycredit. If they do, why was theirs shown as a " hard '' inquiry? I do not believe itshould be.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I used my XXXX XXXX XXXX XX/XX/XXXX for an online purchase, and believed I had updated my address at that time. I forgot I made this purchase with this card ( I rarely use it ) and never received a bill. I got a collection call at my primary phone number on XX/XX/XXXX. I was informed they don't abide by mail forward so my statements were returned to them with no attempt to communicate with me, despite them having a valid cell number. I was told on XX/XX/XXXX I would receive a bill in the mail at the correct address. I never did, and when I called back to inquire in XX/XX/XXXX, I was told I have a valid complaint and to fax a letter disputing the interest fees and late charges. I did so. I never received a statement and called to pay the XXXX due on both XX/XX/XXXX and XX/XX/XXXX and was told they couldn't accept payment because the account was in dispute status. I was told I would receive a statement. Never received anything, no statement, no response to my fax letter of dispute. Called XX/XX/XXXX and the balance now has additional late fees and interest charges. My status is " account revoked ''. I want the fees and interest removed - this was XXXX XXXX fault for not forwarding mail, and I want my credit restored and XXXX XXXX to acknowledge their numerous errors..

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 02-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MD).
Issue: Deposits and withdrawals

Complaint: I am the XXXX of the XXXX of my mother, whom the XXXX Supreme Court of XXXX has determined to be an Incapacitated Person ( XXXX ) under XXXX state law. 

On XX/XX/2015 the XXXX Department of JPMorgan Chase Bank, N.A., sent a letter to the XXXX indicating that they had received a garnishment order and outlining the debtor 's rights. However, Chase did not send a letter to me, despite the fact that ( a ) XXXX is legally incapacitated, ( b ) I am her guardian under law, and ( c ) the address to which Chase sent this letter is not in any way associated with the account that was garnished. 

By sending this letter to the XXXX instead of myself as her guardian and legal account-holder, Chase failed to provide adequate notice of this garnishment and possibly deprived her of her legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax added an address to my credit report that is not mine : XXXX, FL XXXX -- -- This IS NOT MY ADDRESS I 've been at the same address for 22 years : XXXX, FL XXXX Also, they have XXXX hard inquiries listed - I have been XXXX for the past 4 years - and I have not applied for ANYTHING ; REMOVE THE illegal inquiries at once! This is my 3rd request to this company - If not, I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: we refinanced approx. 10 years ago, we was told this could help us in the long run. we pay XXXX dollars a month for mortgage payments. for ten years we have not seen any movement on our balance. principal interest or anything else. we payed in advanced for three years of mortgage and after noticing no movement on our balance the stated the computer was not set up to handle this transaction.10 years at XXXX dollars every month. no credit to the account we have lived here over 20 years.citifinantial sold our mortgage after we insisted on sending us something showing where our money was going. please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with Accelerated Receivables Management, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company continues to call after providing proof of settlement of debt by my insurance company. The first letter stated I owed XXXX, I then contacted the company and faxed them my XXXX which showed my insurance paid the bill in full and disputed the claim in writing within the 30 day period. They then threatened to call my friends and relatives staying after reviewing the XXXX I owe XXXX according to the XXXX. I attempted to call the original creditor but they have gone out of business. They call several times a day harassing my family and friends.

Company response to consumer: Untimely response
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with Reliable Credit Association, Inc. (ID).
Issue: Managing the loan or lease

Complaint: I currently have an auto loan with Reliable Credit in XXXX, Washington that was opened on XXXX XXXX of 2014. I found Reliable Credit had communicated to the credit bureaus that the account is closed and was claimed under my Chapter XXXX bankruptcy of 2014. I called Reliable Credit, who stated they recently upgraded their software, which resulted in the incorrect information being reported to the credit bureaus. They stated I would need to file a dispute in order to correct the information. I filed a dispute with XXXX, which is now closed, once again, showing the same incorrect information. I am now facing hardship due to this matter. I have never been late during the entire existence of this loan, but now XXXX has lowered my credit XXXX points and XXXX and has subtracted XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint: I have a lease agreement with Santander consumer USA. I have to pay {$1.00} end of the lease to own the vehicle.The vehicle was repo due to non payment. When I called them they asked me to pay {$6500.00}. I sent them a XXXX XXXX for the same amount yesterday and given them the reference number of the XXXX XXXX.. They promised me that they are going to send a fax to release vehicle within XXXX. When I call them today they informed me that they ca n't release the vehicle. The vehicle is XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage is sending foreclosure notices - we had to borrow against our house because of medical necessities and were charge 19 % interest on a $ 58K house. We got behind on our taxes but made a deal to pay them off with the City and met our payment schedule. Nationstar decided to go ahead and add that to our mortgage and pay the taxes off and add to the note. Then apparently we did not realize the full extent of a balloon note - seems like they went ahead and paid taxes off so we would owe them more in the end AND 19 % interest that the City would not have charged us. Plus insurance the same way. We are now being sent foreclosure papers and they offer no ability to repay or save our house in any way. We in no way understood the problems what we were signing up for. My husband became XXXX to work and I am working XXXX jobs trying to make any money. There was a loan modification after they paid the taxes off ( I was paying those to the City ) and my payments soared and now there is a balloon payment of the whole note. 
Our original loan was sold to this mortgage company. We did n't understand how they sold our loan. I have documents but have no way of emailing information but can get someone to help. We are trying to dig ourselves out of the hole and are willing to do it but they will give no options. We were desparate to get our grandchild surgery and took the loan out. Now we have been paying 19 % and they have added on at the last minute and are telling us we have a balloon note and have no other way unless we come up with the complete balance. This is our home and we have no where else to go

Company response to consumer: Closed with explanation