milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2016 about Student loan (Non-federal student loan) with United Student Aid (USA) Funds (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Summary : I attempted to pay off my student loan debt. I am discovering now that I was given incorrect information and I am now being charged a XXXX % collection fee which amounts to {$640.00} on top of what I thought was my final payment of {$3600.00} to close out this account. 

1. - XXXX/XXXX/2016 - I called to pay with my debit card, since I was unable to online, which would have been an immediate payment within the 60 days - and I found out that I could n't and had to pay by check. I received a 2 day payout amount of {$3600.00} via the automated line. 
2. - XXXX/XXXX/2016 - I called to confirm the overnight address ( because the original address I was given did n't match what I found online ). I was advised that I could overnight payment XX/XX/2016 to arrive XX/XX/2016 to payoff the student loan in the amount of {$3600.00}. 
3. - XXXX/XXXX/2016 - payment should have been received, but may not have been forwarded to the correct department for processing? 
4. - XXXX/XXXX/2016 - payment was indicated as received ( advised XXXX/XXXX/16 by XXXX XXXX Escalations Dept. USA Funds ) 5. - XXXX/XXXX/2016 - advised by XXXX that the amount of {$3600.00} was not the correct amount to pay despite it being the amount given by the system and XXXX subsequent representatives. It should have been {$3600.00} -- which I was never advised of, otherwise I would have happily paid that amount. 
6. - XXXX/XXXX/2016 - advised by XXXX that the information I was given in XXXX was incorrect and the payoff date was XXXX/XXXX/16 and even paying on XX/XX/XXXX would have been late and incurred the late charge. 

Concerns : 1. Why was I not allowed to pay by card on XX/XX/XXXX or XX/XX/XXXX - in which this entire issue would have been moot. 
2. Why was I given the wrong amount? I would have easily and happily paid an additional {$7.00} to be done with this situation. 
3. Why would I have overnighted payment if I had been advised that it would n't payoff and close out the account. 
4. Why is there a XXXX % fee ( original payoff amount given {$3600.00} - current late collection amount {$640.00} ) for a payment that is by their own assessment at most 48 hours late. 

Despite doing everything I could to collect the full amount and pay it on time, then jumping through the additional hoops of having to pay it by check and overnighting the payment ... I was very surprised to find that I again owed them a XXXX % fee of {$640.00} which feels outrageously high in any situation, but particularly on a debt that was by their account 48 hours late - but only due to USA Funds own processes that feel like they are built for the consumer to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: I had an issue with my checking account at Suntrust Bank and I went into a branch to resolve it. The personal banker said there was nobody there who could resolve the issue so I left and went to another branch location. At this location, both personal bankers had customers so I sat down to wait. When one of the customers left the manager walked out and took one look at me and then called the free personal banker into his office saying he wanted to show her something. When they went into the office I could hear laughing and joking while I waited. Both the manager and the banker are persons of XXXX. When she finally came out and I explained my situation to her she said " I cant help you '' and I asked to speak to the manager. He came in and told me " I cant help you and bad things happen to good people all the time ''. This is the branch manager. 

As I was leaving the personal banker who was speaking with me walked around to the other desk where another personal banker was with a customer and they all looked at me and had a joke about my dilemna. 

The situation was easily resolvable because, when I went to another Suntrust bank the person immediately resolved my issue and then gave me solid options including overdraft assurance, a credit card tied to the account and asked for a time I could meet with her about improving my credit card debt using a home equity line. So the issue was easily solvable but the initial manager and banker were unwilling to do so. 

The treatment, the initial snubbing, the sarcastic comments and then the laughing about it afterwards with another customer lead me to one conclusion. I have been the victim of XXXX bias by a manager and personal banker from Suntrust Bank. In our country we should be well beyond the point where people are discriminated against due to the XXXX of their skin or ethnicity.

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 04-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A fraudulent credit card account was opened in my name at Kohl 's in XXXX, XXXX. On XXXX/XXXX/XXXX Kohl 's acknowledged the fraudulent nature of the account and relieved me of responsibility. Now, Kohl 's refuses to act on my request to send me copies of the fraudulent documentation used in opening that account ; instead, Kohl 's states that such information will be provided only to a law enforcement agency, at the request of said agency. As I read Title 15 U.S. Code Chapter 41 Subchapter III Section 1681g, the victim himself is entitled to copies of the fraudulent documentation but must make the request for it in writing and must meet other reasonable requirements that can be imposed by the business which granted the credit. It is my understanding that providing the information to a law enforcement agency is contemplated in XXXX scenarios : ( 1 ) where the victim 's written request specifies which agency is to receive the documentation ; or, ( 2 ) where there happens to be a law enforcement agency investigating the ID theft and that agency is authorized by the victim to take the relevant records. I do not see how these provisions can be interpreted by the credit-granting business to deny the victim 's request to be given the fraudulent documentation directly. In my case, I have sent Kohl 's written requests to have the information sent to me. Accordingly, scenario ( 1 ) above does not apply. Also, as there is no law enforcement agency investigating my ID theft, notwithstanding reports filed at XXXX separate police departments, scenario ( 2 ) above does not apply. In summary, I believe that Kohl 's misunderstands the right of the victim of ID theft to receive directly, and not via a law enforcement agency, copies of the fraudulent documentation and is unreasonably attempting to require me to trouble one or another law enforcement agency to obtain copies of the fraudulent documentation on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: IN XX/XX/XXXX, I CO-SIGNED A PHONE SERVICE FOR MY GRANDSON. XX/XX/XXXX I HAD MY NAME TAKEN OFF AS A CO-SIGNER, AND ANY AND ALL FUTURE CORESPONDENCE WENT TO HIM. I HAVE BEEN HARRASSED AND HAD CONSTANT PHONE CALLS WHICH CAUSED ME TO HAVE MY PHONE NUMBER CHANGED. I HAVE TOLD " DIVRIFIED CONSULTANTS '' I DO NOT OWE THIS BILL, WHICH IS {$1100.00}. I AM A XXXX XXXX AND GO OUT OF MY WAY TO SEE THAT ANY AND ALL OF MY OBLIGATIONS ARE TAKEN CARE OF. WHY DO I HAVE TO PAY THIS BILL WHEN I NEVER OWNED A XXXX PHONE OR MADE OR USED ANY OF THEIR SERVICES. TODAY I LEARNED THESE PEOPLE HAVE FILED A JUDGEMENT AGAINST ME. AND HAVE RUINED MY CREDIT. I HAD APPLIED TO MY BANK FOR A USED CAR LOAN AS MY XXXX BUICK WANTS TO RETIRE. AND WAS TOLD I WOULD NOT BE ABLE TO GET A LOAN BECAUSE OF THIS FALSE ATTEMPT TO COLLECT A LOAN I DO NOT OWE AND WOULD HAVE TO PAY OFF TO PREVENT ANY MORE DAMAGE TO MY CREDIT..THIS HAS KNOCKED ME FOR A LOOP TO BE TOLD BY MY BANK OF WHICH I HAVE ALWAYS BEEN IN GOOD STANDING. THAT I NOW HAVE A JUDGEMENT AGAINST MYSELF. THANK 'S FOR LETTING A OLD LADY TELL HER TALE OF WOE.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to Equifax, XXXX, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed this account with AFNI, INC., the items were removed off my credit bureau only to pop back up again. I had initial signed up with service for XXXX XXXX XXXX XXXX. The service was not up to par in my city more like dial up speed so I cancelled out my services and XXXX switch my service pack to XXXX. I mailed back the router and was informed that no charges would occur. Yet I have charges on my credit report and no one will answer my question as to what those charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: First let me be clear, I 'm I am not disputing that I own the account, I am disputing the amount owed reporting and the fact Equifax DOES NOT verify with the tradeline furnisher for each investigation. I am also building a on my case against Equifax ( see case XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Systems , LLC ) I Pulled my credit report this week and it only shows balance of {$620.00}. However I know for a fact that amount is not true. I have attached a screenshot showing that I paid an amount that cleared my account XX/XX/XXXX, therefore the amount showing as of today is incorrect and under FCRA this should be removed. This is the second time within a 30 day period this has happened. I have until XX/XX/XXXX to show cause as why I would like to proceed in continuing sue Equifax. This will be a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I never get any letter or staiment about thse bill so I never have a chance to pay balance.becsuse I never know I have.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Medical) with Accounts Receivable Services (MN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: this is a fairly unique case as i am have recently learned of XXXX practice of forwarding accounts to a collection agency after 60 days without being paid in full. I have always preferred to pay my creditors directly and even in this case I have been making payments to XXXX on a monthly basis ever since i have been a a patient with XXXX. XXXX practice is to apply payments to the current bill in their office although their maybe extensive medical debts and payments were being made as i could afford to each week as I got paid XXXX contacted me and told me that unless i contacted the collection agency and lifted the cease communications with the collections agency and make a deal to pay i would lose my doctor as they planned to cancel me as a patient. I was intimidated into stopping my payments and told that either I pay the debt on a credit card or I make a payment plan that does not exceed 10 months neither of these were an option I asked for validation and I was told initially I did not have a valid dispute? they finally sent me the validation only to find out that they did not submit all the claims to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, our mortgage service agent, Seneca Mortgage, again informed us that they were changing their organizational agent. My mortgage payments were always automatically paid by our bank for many years. We have never been late. While in the process of changing the address and other information for the new agent with my bank, I was interrupted by a client emergency. After the emergency was over, I forgot to finish making the changes required by my bank. As a result, the payment for XX/XX/XXXX was not made. We did not discover this error until the next month because when Seneca called me they could not talk to me because the mortgage was in my wife 's name even though I am on the deed with my wife. By the time we received a new billing statement, we were two months behind. I received a call from a collection person and advised them that I would be making XXXX separate payments to bring the mortgage up to date. The agent did not say that this would not be acceptable. The monthly mortgage amount is {$2000.00}. All payments tendered electronically by our bank have been returned as follows : XXXX/XXXX/15 {$2000.00}, XXXX/XXXX/15 {$4000.00}, XXXX/XXXX/15 {$2000.00}, and XXXX/XXXX/15 {$6000.00}. Seneca will not except tender of our payments. I have written a certified letter to Seneca 's CEO and the CEO of my bank 's payment agent XXXX. I have contacted the Federal Reserve Board ; and, they have advised me that electronic transfers made by a bank are legal tender and must be accepted. 
I request that Seneca accept full payment for the months in arrears, correct my wife 's credit report to indicate that the late payments were caused by Seneca and waive all penalties and additional interest. Since I can not tell you my name, I do not understand what is meant by " My information ''. This concerns a mortgage loan that was from refinancing our apartment XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All three credit reporting agencies are reporting that my balance owed on verizon is {$1000.00}. I have returned the equipment as of XXXX XXXX, 2015 and have attached proof of the return. XXXX was supposed to credit my account back for the merchandise XXXX after the return. It has been 90 days and they still have not done so. I need to update my account reflecting the returned items as of XXXX XXXX 2015. They have had ample time to process this information and it is negatively impacting my credit score. Aside from my small medical debt I have been current on all of my credit trade lines. This information needs to be rectified on Equifax , XXXX and XXXX asap!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with Solidus Group LLC. (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX XXXX. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with XXXX XXXX XXXX. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: When checking my Saving Account at Wells Fargo, I noticed our account was Hacked. 
I have been trying to resolved this issue, with Wells Fargo Fraud Department for ( 2 ) weeks now. I keep telephoning and no responds, seems like they do n't care.

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 12/18/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: The problem is with the Santander Bank acct # XXXX. this is a joint checking account with my XXXX XXXX XXXX XXXX whom XXXX on XX/XX/XXXX. I tried to close the account and was told it could n't until the estate had been settled, fine, the problem is that they deducted since XX/XX/XXXX a {$16.00} a month for '' inactivity fee '' I want that money to be reimbursed into the account until the estate is settled and I can withdraw the full amount.

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 03-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed a complaint with Equifax regarding my account not being updated for XXXX XXXX. I requested either the company verify info or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had my loans serviced through Navient since 2014 and due to my economic hardship and low income, instead of paying {$0.00} for my income based repayment, Navient has charged me more interest and more monthly payments that exceed my spending capabilities. Navient has failed to offer me the right federal forbiddanc and failed to disclose any other rate reduction programs that would have benefited my repayment and credit report. Consequently, this has severely impacted my income / debt ratio which has limited me to consolidate my loans with other refinancing companies. I have had a very hard time keeping up with my payment plans as a resident working XXXXXXXX hours per week while on a resident salary. I have tried countless times to get on the rate reduction program but Navient has failed to call back and respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Medical) with Capio Partners, LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On multiple occasions, XXXX XXXX identified that he was from Capio Partners and that I needed to pay a medical debt. If I did n't pay the medical debt he was going to notated in my account that I was refusing to pay which would negatively affect me. I requested proof of service rendered and payment was due. To date, I have not received any documentation. XXXX XXXX contacted my employer XXXX additional times ; advising them they are required to pay for it. My employer advised them to stop contacting them. 
I contacted Capio Partners XX/XX/XXXX who stated the case was with them but with XXXX XXXX XXXX XXXX. They stated Capio Partners has not tried to contact me. However, they subcontract jobs with XXXX and XXXX XXXX. Capio Partners stated they put a request in the file to stop the employment calling ; however they were not able to guarantee it. Capio Partners put a request in the system to provide a detailed statement to my email. I asked to speak with a compliance/complaints office and they stated no phone number was available. They stated the date of service was XX/XX/XXXX for {$460.00}. 

I then contacted XXXX XXXX XXXX which the debt originated. They stated they were unable to stop the collection agency from contacting me. XXXX stated a bill is due for {$460.00} for services rendered XX/XX/XXXX. The bill must be paid through the collection agency. They also stated the only way to get them to stop calling me is to settle my debt with that company. XXXX XXXX XXXX will be mailing a copy of the bill to the address on file. I asked to speak with a compliance/complaints office but was denied. They stated they would ask their supervisor to contact me. 

Situations like this make me not want to go to the emergency room or a doctor for fear of the future harassment and threatening posture that is posed by debt collectors.

Company response to consumer: Closed with non-monetary relief