milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Since being contacted by I.Q. Data International, I have repeatedly asked for a breakdown of how they got to the amount in which they claim I owe. When I get a representative that agrees to look into why the amounts are n't adding up, as soon as they realize there is something wrong with their math they forward me to a manager who then yells at me and becomes completely uncooperative. I 've attempted to contact the original creditor and no one returns my calls. And the credit bureaus are only checking that the collection agency has my name and contact information correct, NOT the details for how they are calculating what is stated I owe. The original creditor and the collection agency are both on my credit reports and neither are willing to give me the information I have a right to in order to take responsibility for a debt I may owe. Most recently I received a letter from someone named XXXX that stated they needed proof of identity fraud from me since I was stating that my identity had been stolen. I have made NO SUCH claim to them and I feel like since they knew that they had exceeded the response time to my last account verification request they were trying to buy themselves more time to collect information. I 've written them a letter responding to their request for identity fraud verification and reiterated that I am requesting itemization of what they state I owe and how they, on behalf of their client, came to that amount. I also informed them that I would be forwarding my letter to them to the CFPB and submitting a complaint. And that is what I am doing now. At this point I.Q. Data has exceeded the response time on all of my requests for this information and I want the negative entries removed from my credit reports since they can not show proof. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: I received a letter from Citizens Bank stating that there was an error in a closed account of mine, and that pursuant to a Consent Order from 2015 entered into with your agency that they were sending me a check for {$4.00} with no explanation or documentation to evidence how this amount was arrived at. I believe that the check amount is incorrect and have requested that they provide me with complete documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient For the past year I have had to file several deferments and forebearances, trying to get my payments with Navient to a reasonable amount. They just replied today XX/XX/18 with a {$390.00} payment plan. I have sent numerous requests as well as proof of income. The only things I can get are temporary forebearances that hike up the interests later.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Went to branch to process cash advance deposit at XXXX XXXX XXXX branch in XXXX XXXX CA. XXXX told that would be OK. Then told by XXXX XXXX that I need to get a voice authorization from the credit card company. Staff at branch where in a hurry to go home. Then they told me that they could not process my deposit. I told them that I needed to make the deposit to avoid XXXX {$35.00} overdraft fees. They said sorry and ushered me out the door.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX. The unauthorized and fraudulent inquiries do not belong to me.

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 01/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Late fee

Complaint: In XXXX I discovered my Barclay Credit Card was past due and I had been charged a late fee. I contacted the company and asked if they would waive the late fee and I would set up auto pay so this would not happen again. As a courtesy they waived the late fee and I set up auto pay for the minimum payment due on the due date of the XXXX of each month. This month, XXXX, I scheduled a payment for {$50.00}, then remembered that I already had the auto pay set up so I cancelled the {$50.00} payment. Today I checked to confirm that the minimum payment of {$27.00} had been made only to discover that not only was it not paid, but I was again charged a late fee. I checked my payment settings and confirmed that the auto pay was in place. I called the company to find out what the problem was and was told that when I cancelled the additional {$50.00} payment that also cancelled the auto pay and they refused to refund the late fee. This is an unfair practice. The scheduled payment should not have anything to do with the auto pay. They are set up in different areas of the website. I need your help and can provide documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2015 about Debt collection (Credit card) with Schachter Portnoy, L.L.C. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a letter from the law firm Schacter Portnoy dated XXXX XXXX, 2015 that have been retained by XXXX XXXX XXXX XXXX XXXX to collect on an amount due from Original Creditor, XXXX XXXX Bank. 
I have never received any communication from XXXX prior to receiving the letter from Schacter. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. 

I believe Schacter Portnoy has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. 

I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by XXXX to contact me. 

I have requested proof from Schacter Portnoy proving they have been retained by XXXX to collect the debt other than the law firm stating so on their letterhead. 

I will attach correspondence at this time and will assist you in all ways possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I bought a XXXX XXXX from a business in XXXX XXXX CA XXXX XX/XX/2016. Part of the purchase I paid with my VISA & the remainder {$1600.00} I used the store 's promo offer of 6 months same as cash - no interest. I only financed {$1600.00}. This financing is through Wells Fargo Home Furnishing - my statements say ( XXXX ). Someone in this string of financing has been allowed to ADD money to my account when I only filed documentation to finance {$1600.00}. At this point - I feel Wells Fargo should NEVER have allowed the business access to my account to make such an entry or maybe Wells Fargo made the addition - that is unclear. & if Wells Fargo DID allow access, they only have paperwork supporting my {$1600.00} financing purchase. Today my bill states I owe {$2000.00} & I have paid {$40.00} each month times 3 months or {$120.00} towards my {$1600.00} bill, making my total due = {$1400.00}. I have talked to both the business ( the business has lost my paperwork - seriously - lost it - XXXX XXXX ) & Wells Fargo ( XXXX different agents XXXX & XXXX on XX/XX/2016 ) -- my consumer recourse is to submit a dispute which could take up to 90 days to resolve. Really? How is any business allowed to debit me in anyway without the proper paperwork? Wells Fargo is my target of this complaint. In 90 days my whole financing agreement will be over. The fact is, there should not be an " open-ended '' account by any organization allowing for money to be debited in a consumer 's name. Period.

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 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account Resolution Services has refused to give me the address or contact information of XXXX. There are no records or phone number found for this company. I have never rendered services from a company called XXXX. 

Account Resolutions Services also refused to give me a copy of any bills, billing itemizations or contract information concerning the debt they claim I owe. 

Account Resolution Services has refused to provide me with proof that it has any authority to collect for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They proceeded to put this debt twice on all of my credit reports. The original amount is {$940.00} and now it is showing {$1800.00} which is double the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Describe what happened so we can understand the issue ... 
I have had a XXXX loan from XXXX XXXX XXXX XXXX. ECSI Services my loan. 
I have auto deductions each month to pay this. I pay over the amount at {$50.00} per month. The website gives you the options to choose your pay date. I chose the XXXX. I noticed I have over 6 months of late fees at {$5.00} each. 

Also I received 2 letters : One letter says I owe {$35.00} for XXXX XXXX. The second letter says I owe {$75.00} and that my account is past due 45 days. If they do not hear from me in 15 days they we put me in collections. I went to review my account history and I am current. So I do not know why I keep getting weird letters from them. Seriously it stresses me out.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a letter to XXXX XXXX to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from XXXX XXXX nor have they marked any of my reports disputed within the time frame per 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 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with All State Credit Bureau, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint related to other complaints I have already submitted. 

Case numbers of the related cases are XXXX and XXXX. 

As of today I have still not received any verification of the debt and am still getting collections attempts via email. Attached is a copy of the most recent communication.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/15 Medical visit should have been covered by insurance. After months of failed attempts to get doctors office to refile insurance claim, I decided to pay the bill. Check cleared my bank on XXXX/XXXX/2015 & they have now sent this debt over to XXXX Collections. XXXX advised I go back to medical provider ( the same ones who have done ABSOLUTELY nothing to assist me ) in regards to debt, even though the collections letter states to call the XXXX number if there is a dispute in validity. I offered to fax/email and requested info, & XXXX with XXXX would not accept & was of no assistance. I have now called & left a message with XXXX XXXX XXXX billing XXXX & left message complaining of this collection action & requesting contact with supervisor ; awaiting reply. I expect no help from this company in regards to resolution so I wanted to go ahead & start complaint process against the medical provider & the collections co.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with Adler Wallach & Associates, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Date : XX/X/17 Time : XXXX Amount Due : {$470.00} + {$19.00} interest/fees I called to formally dispute a charge. The man asked for my account number which I provided then asked my why I was disputing the charge. I said I have contacted XXXX XXXX and clarified with them that my insurance company is still waiting on medical records from them to process the claim associated with this bill. He then told me that that was not a valid reason and it 's almost been one year since the incident. ( It 's been 9 months in which I have records of consistent communication with the hospital and my insurance company. ) I told him the hospital has told me I am not liable for it while they resolve with insurance. He then told me that he could mark this as disputed but it would still affect my credit score. I told him that was okay then asked if my score will recover after the hospital and insurance company resolve this amongst themselves. He said it depends and I asked if that was all. I said yes but is the formally marked as disputed. He hung of the phone before he answered my question. Now I am unsure if this has correctly been marked or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX I went to Chase branch XXXX to re deposit a check in the amount of {$17000.00}. I did the deposit tru the teller who gave me a receipt and say check was verify and no hold was placed, so money was available for use the next day. Teller name XXXX. On Saturday, XXXX XXXX, 2015, I went to another Chase branch XXXX that I was closed by and i decided to withdraw $ XXXX, the teller was ready to release my withdrawal but it was her limit so she asked her manager for approval and the manager she started reviewing my account and make the teller to call the XXXX. They say they can not verify check and I was not given or neither serve notice of funds to be held. So I belief Chase bank to be penalized for the illegal practice and they should pay a fine to me the consumer for pain and suffering. We are ready to prepare a civil lawsuit if this matter do not resolve ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I entered a Discount Settlement agreement and paid the debt as agreed in XXXX. The Agreement said OCWEN would update my credit report and remove the lien from the property. I have called XXXX and sent a letter to their Research Department to find out why it still has not been updated on my credit report. No answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Why am I paying {$500.00} plus a month for this private loan from Navient. This is ridiculous. Can I do something about this? Lost and fraustrated. What are my options here.. SOS. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I believe that I am a victim of predatory lending and bad business practices. I was promised a superior education that was to be followed by a dedicated staff that would stay with me through the hiring process when I enrolled at XXXX XXXX of XXXX XXXX in 2006. I was sold a dream that did not exist and pressured into signing for loans that I did not understand. Once it was found that I would not be able to fund my education completely through XXXX form of federal loan I was informed that there was another type of federal loan. They proceeded to tell me that all I needed to have in order to guarantee funding was XXXX individuals with poor credit that would automatically get denied and their permission to do a credit check so that I could benefit from the other loans. This is what we did. We used my mother and sister as potential cosigners and once they were denied the financial aid office told me I was eligible for full funding. Within a few minutes they had whisked me away and had me sign paper after paper. I started to become hesitant and it was at that point my recruiter began to give me a speech about how I was older than the traditional college student and that I needed to jump on this opportunity now if I ever wanted to amount to someone who could provide for my family. She told me it was extremely hard to make it through life with a lower class job and that this may be my one and only chance to get out. At no point did they ever tell me that the loans I was signing up for were private loans that would not follow the same deferment guidelines as the federal loans. From what I understood all of my loans were federally funded. 

Obviously I signed up to be a student and during that time ran into many roadblocks that made me regret choosing XXXX. It was't until much later when I decided that the school was a fraud that I was informed my credits would n't transfer. I only decided to stay because I was informed that my degree WOULD transfer and that I could obtain my XXXX at another school. Upon graduating I found out that was a lie. None of the state universities would touch me. The only schools willing to look my way were other high dollar schools such as XXXX and University XXXX XXXX which cost up to $ XXXX out of pocket. Now today I am stuck with $ XXXX in debt ( will be $ XXXX by the time interest is paid ) and a degree that I can not use. Payments are expected to be around {$700.00} a month but who can afford that and live? This story can be heard from victims all over the nation and something needs to be done. 

My loans were originally through XXXX XXXX but are now handled by Navient. I believe XXXX XXXX was aware of the bad lending procedures at XXXX and other for profit schools and turned a blind eye. They did not have to provide XXXX with the ability to provide funding to students but they did and now students everywhere are drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. 
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 've repeatedly asked them to make the orignal MPNs for my loans available and they refuse.     The section on the website that should have them remains blank. I 've repeatedly disputed their timelines and fees but they completely ignore all complaints. The section of the website that shows correspondence is completely blank and there is no way to prove that you contacted them.     After complaining t o the Federal Ombudsman 's office they 've sent some MPNs that are clearly not the original and do not have valid signatures on  them. I want them to provide actual proof, and if they claim that it was signed electronically I want them to provide proof that they complied with the standards for electronic signatures in electronic student loan transactions released in  XXXX   of 2001 by the Department of Education. Again, I want them to prove that they met the requirements of the standards. I 've asked them repeatedly to prove the origin of the loan as they are not the original servicer. They have not responded to any request for years.      They also have n't provided me with my repayment options as required by law at the end of grace periods resulting from deferments, they 've also misclassified deferments as forebearances. They do not provide information required by law, they skirt around the requirements, and they put fines and random charges on the loans whenever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Payday loan) with Allied Collection Services, Inc. (Nevada) (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I took out a pay day loan from XXXX in XX/XX/XXXX and paid off the debt, my Credit Union Statements bear this out. On XX/XX/XXXX I checked my XXXX Credit Report and found that Allied Collection Services, XXXX XXXX NV XXXX placed a derogatory mark on my report. At no time did Allied contact me relative to this purported debt.

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