milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX cancelled my phone and internet service due to my adding XXXX service to my office in XXXX XX/XX/XXXX. It sent a revised final invoice on XXXX/XXXX/XX/XX/XXXX, which seemed to suggest there was a termination fee. I asked XXXX & XXXX for proof of any termination fee, as I did not have such a contract with them ; XXXX XXXX XXXX provided a copy of a XXXX page fax that did not have any termination terms and did not reflect the type of service listed in the bill. Despite having disputed the payment with XXXX XXXX XXXX and getting a resolution, XXXX XXXX XXXX placed the debt with XXXX. XXXX called my office repeatedly, and in XXXX XX/XX/2014, I filed a Notice of Dispute with XXXX XXXX XXXX. My attorney was assured that collection calls would stop while XXXX XXXX XXXX investigated the file, however, XXXX XXXX XXXX never responded to the notice with documents showing that I had any obligation to pay the {$1400.00} bill. Instead, XXXX XXXX XXXX transferred the alleged debt to IC System, which continues to call to collect a nonexistent debt. Litigation was filed with XXXX in XXXX of XX/XX/XXXX however IC System continues to phone at my office, where I am a XXXX, interrupting patient care. I have informed IC System that they are not allowed to call at my office, however, XXXX XXXX of IC System says that she will continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I had a bank of America account, and they decided to close my account without notice. I called to let them know that those charges, and fees were not mine or authorized and they proceeded not to help me. Since, my account has been sent collections, and i lost funds that were taken from me. This happened a couple months ago, but i have not gotten around to it till now, because I lost my job, and my father this year alone. I been going through the hardest times of my life, and now this and the bank cant help me. I been a customer with bank of America since 2006. I wish these banks had better interest in their customers and their needs. Money is evil, and i work hard and live day by day to get by. I just want the bank to fix this and reopen my account and refund me the money taken. I love the Bank Of America family and would love to stay in it.

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 08/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was struggling to repay my student loan in XXXX and XXXX XXXXNavient gave me the only option to pay {$50.00} for a foreberance review. Some months, I could not afford the {$50.00} fee. XXXX XXXXNavient gave me no other option for my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Deposits and withdrawals

Complaint: I am a victim of Regions Bank and their fraudulent NSF Overdraft Protection scandal. I see that they already have been ordered to start refunding customers their money back and they were told to do so regarding a Class Action Lawsuit, I thought I had signed up to be part of this Lawsuit against REGION BAnk of Alabama, I live in XXXX Alabama. I also file against XXXX XXXX for doing the same thing. They hold my transactions of my electronic XXXX direct Deposit monies, and I am thinking, because it shows that my money is in my account, but in online statements it says Pending???? then it shows all of my bill paying transactions as pending. So they proceed to charge me NSF of XXXX dollars times XXXX, for every for every transaction I make, then they release my deposit into my account but take XXXX dollars was last months XXXX check and they are in process of taking XXXX or more even as I am typing this for this month XXXX check they have taken over XXXX out of my account using overdraft protection, and not paying the transaction that I have made. and now have got me in sucha finacial hole that I can not get my XXXX or the rest of my medications and/or pay my rent and I am about to lose my home because I do n't have the money now to pay rent again. XXXX XXXX took over XXXX from me doing the same thing. and I am sitting here scratching my head trying to figure out how they are getting away with this. I met with them and they gave me back like XXXX one time, when I went to the Bank and ask them what was happening so they know they are in the wrong in what they are doing, but XXXX is far from the amount of money they have stolen from me since 2010. I want all of my money back, I want any negative reporting of my credit record of myself and my XXXX child, that they themself connected to my account. MY daughter, a XXXX, just tried to open an account of her own and we found that they refused at another bank to give to her a checking and savings account for bad banking practices and too many NSF and outstanding checks. And she is a minor and has nothing to do with what I do at my bank. they just added her as Student Checking account, when I ask them to only put her as my beneficiary on the account with signing powers in case I die she can get my money. 
My Name is XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX My XXXX child is : XXXX XXXX XXXX XXXX. Please have them return my money immediatly, clear our credit reports, and Pay outstanding DEbit Credit and checking transactions by paying them with my money they took from me. Thank you, My life depends on the Medications that I can not get filled, because they took my money. I am XXXX, and I plan to file a complaint against them to the " XX/XX/XXXX Act ''. Need them to please hurry so i can pay my rent and not get evicted from my home. Sincerely, XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Managing the loan or lease

Complaint: I obtained a {$35000.00} XXXX Loan with Bank of America in XXXX. This loan was solicited to me as a fixed rate, 60 month term loan. However, the loan was converted in XXXX or XXXX to a revolving account without my consent. I have tried unsuccessfully to resolve this issue with the bank to no avail. From documentation I 've received, the bank does n't know how much the loan was for or the APR nor the terms. I 've received letter stating the loan was for {$35000.00} then another XXXX saying it was for {$37000.00}. In addition, I had a Bank of America credit card during this same time and all the terms and conditions on this loan mirror my credit card. Based on my bank records, I have paid over {$70000.00} on this loan. It seems predatory lending at it 's best. I have researched online and I am not the only customers with this experience with this type of loan from Bank of America.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have requested 5 times to have this credit freeze removed. Equifax is not removing the freeze after I have provided the Pin # and the requested personal information. This is preventing me from applying for credit and obtaining a new car loan. The Confirmation Numbers Provided to me are : XXXX from XXXX/XXXX/XXXX XXXX from XXXX/XXXX/XXXX Each time I call, I am told it will be processed in 15 minutes. Its been 4 days and 5 phone calls later it is still not removed. I have also tried removing it online. and I receive a message that it has been processed and it remains in place. They told me their was an address discrepancy. I have also provided Equifax with proof of my address on several occasions. A representative from the dispute department stated the documents were received and verified. Incorrect Address : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing disputes

Complaint: XXXX XXXX XXXX XXXX NY XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2015Bank of AmericaXXXX XXXX XXXX XXXX TX XXXX XXXXThis is a disputeGentlemen : I wrote the attached letter XXXX XXXX, 2015 and XXXX XXXX, 2015 and this letter XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 and I have been contacted by the dispute collection dept. 

Clearly Bank of America MISTAKENLY XXXX and admitted same ) sent me {$3000.00}. 

When I received the check there was no explanation and no account number. I cashed the check and spent the money. Even though this was Bank of America 's mistake I am prepared to pay back the {$3000.00}. I told this to the dispute/collection dept. but they insisted that because I had use of the money I would have to pay interest. 

My credit balance, which initiated this whole issue, did not earn interest even though Bank of America had use of the money. They were quite insistent and I therefore hung up on them. 

Like I stated above I am prepared to pay back the money but on my own terms and conditions NOT Bank of America 's. 

I will pay back at the rate of XXXX monthly payments in the amount of {$300.00} each. If this is satisfactory to Bank of America please email or mail a clear unequivocal confirmation with no conditions. Upon receipt of your correspondence I will commence the repayment. Furthermore none of this is to be recorded by ANY of the credit agencies. 

However if you initiate a suit I am prepared to meet you in small claims court. 

Also please do not call me for collections. You owe me my credit balance. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: I disputed a charge from bank account in XXXX 2016 regarding a charge from XXXX rental car. I was involved in a car accident and XXXX paid XXXX the money owed for the rental car. I confirmed with XXXX that the check was cashed by XXXX on XXXX for the amount that I was disputing. I contact XXXX on several occasions and was advised they would send me a check for the balance that was deducted from my bank account, the amount was {$590.00}. I was advised by the store manager of XXXX that the check would take 6-8 weeks it has now been 9weeks,. I contact XXXX a few weeks ago and was advised by one of there associates to dispute the charge with my bank and that this will resolve everything. Yesterday the bank declined the dispute and took all my money from my account without any notification. With that being done I contact the bank and they stated their is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MD).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I opened a Home Depot/Citi Financial Store Credit Card to buy things to remodel my father 's house because of the offer of a Deferred Credit Payment. It sounded very attractive. The large items I bought were replacement windows, Washer/Dryer, Stove, Dishwasher, refrigerator and then smaller item such as throw rugs, paint, hardware, room fresheners. The total beginning balance was about {$12000.00} and I paid it down in large amounts of between {$500.00} and {$1000.00} every month so I was n't worried about the deferred payment as the appliances were more than paid off and the windows as well as the small items were not part of the deferred items. By XX/XX/XXXX there was an additional {$1600.00} on my bill balance and they said it was the deferred payment. In XX/XX/XXXX it happened again. I was paying it down but it kept going up. There was nothing I could do about it. They do not make it clear when you are paying large monthly payments that you are not paying off the deferred payment. In retrospect I should have gone to the store in person to make the payments and make sure the payments were going directly to the Deferred Credit account. I have paid off the bill in full today and closed my Home Depot Account. Please do something to make sure that there is some way to make these payments clear. For the interest charged I could have bought XXXX sets of Washer Dryers instead of XXXX. They are loan sharks and sheisters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Medical) with AllianceOne Recievables Management (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly sent this company certifield letters requesting viable proof bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This company continues to send a computer generated statement as proof that the debt is verified and is mine. They are refusing to send me exactly what I am asking for and I have been asking since XXXX 2016. This company continues to report negative marks on my credit report without sending proof bearing my signature that the account is mine or has ever been mine. I am prepared to sue this ageny or 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Pratices Act ( including but not limited to Section 807-8 ). I want the negative marks removed from all three credit bueaus if XXXX can not send proof bearing my signature and proof that I have or ever had a contractual obligation with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We were behind in our mortgage payments. We submitted an application to " Keep Your Home California '' and we were approved. Our servicer submitted documents stating the amounts we were behind to XXXX they in turn wrote checks to cover the delinquencies, and bring our account current. My issue is with the servicer over charging XXXX. This also causes the lien on my house to be the wrong amount. I did a complete analysis of all of our late payments from the time this servicer took over our account, the difference is over {$10000.00}. There are also several other errors in our account that need to be corrected. I will be submitting XXXX letters all with documentation attached showing the servicers errors.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Problems caused by my funds being low

Complaint: My problem with CITIZENS BANK Over the past week I have been assessed XXXX overdraft fees/service charges totaling {$230.00} This brought my account down to - {$250.00} Simple math shows that my account is ACTUALLY only - {$19.00} This means that I have been charged more than XXXX times what I actually am negative in the account. 
This seems a little excessive. 
When I contacted my customer service number, the first man ( who was very nice personally ) said that he could n't do anything. I asked him to escalate me to a supervisor, and he obliged. 
The supervisor at first said that there was nothing she could do, then when I kept pleading my case, she said she could remove XXXX of the fees, ( which was actually XXXX fees assessed in 1 day ). She took {$100.00} off, which still leaves me - {$140.00}, or 7 times what I am actually negative! 
I fully understand that if I go into the negative, I will be assessed a fee of {$35.00}, but {$230.00} is insane, especially after the taxpayer based bail out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Toyota has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with Toyota. After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: When you make a loan from your checking account, you are advised that you will be charged a fee of {$35.00}. It does n't state that you will be charged an additional {$35.00} extended overdraft fee if your account has not been brought to a positive status within 5 days.

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 08-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have both a private and federal student loan with Navient - formerly XXXX XXXX. The loan that belongs to my daughter ( for which I am a co-signer ) is {$520.00} per month. We have it set up through Navient as an automatic monthly payment. On XXXX XXXX, we called to change the payment to {$320.00} on XXXX/XXXX/XXXX. ( We only changed the amount from {$520.00} to {$320.00} ). We thought we accomplished this with no problems until the day the payment was taken out. On XXXX XXXX, XXXX they debited via their check an unauthorized payment from my account in the amount of {$520.00}. Then on XXXX XXXX, XXXX or XXXX XXXX, XXXX they debited an additional {$320.00} from my account, unbeknownst to both me and my daughter ( student on the account ). We did not learn of the second debit until calling to obtain a refund in the amount of XXXX from the payment that was processed on XXXX XXXX, XXXX. We have called XXXX XXXX, XXXX, XXXX, XXXX, and XXXX to obtain our refund of the additional {$320.00} as well as the first {$200.00} from the payment taken out on XXXX/XXXX/XXXX only to be given erroneous and varying information regarding when we can expect to see the funds returned to my checking account each time we call. We have the customer service agent phone number and ID as XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX along with a Rep named XXXX, his supervisor and several other agents that we have spoken to in trying to obtain a refund - at this point totaling {$520.00}. 
Basically, they have given us the run around for several days. We have asked for this to be processed all the way up to their management only to be denied our refunds. We have asked for them to expedite the refund. 
This is clearly a mistake on their part where they have double debited my account and refuse to correct the problem. Management refuses to speak with me about the refund and the refund department refuses to speak with me about refunding or reversing the charge after several attempts. 
In reviewing information on the web, apparently Navient has a history of fraudulent and unscrupulous activity related to customer accounts. Please help me in resolving this situation. 
Please excuse grammar, punctuation, syntax and spelling. This is an online form with limited visibility and it is very tedious to type using these small forms. 

Address given on the website : General Correspondence & Submitting Documents Navient XXXX. XXXX XXXX XXXX, PA XXXX Or Fax Documents - XXXX : XXXX or XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I tried to obtain a loan to consolidate our debt AND also tried to obtain a mortgage loan. However, we were denied for consolidation loan from our credit union accordingly, due to too much debt-to-income ratio. We were also unable to obtain a mortgage loan any higher than {$170000.00} from the XXXX XXXX and no more than {$160000.00} from a XXXX XXXX XXXX loan at an extreme high interest rate because again, too much debt-to-income ratio. We later learned that Wells Fargo Bank made an erroneous credit report to the consumer credit reporting agencies. We had a regular XXXX account with Wells Fargo but they later upgraded our account to a " XXXX XXXX '' and transferred the balance over to the new Signature card and closed out the old regular XXXX account. However, Wells Fargo failed to correctly reflect this change. Instead, they reported both the regular account with the old unpaid balance and the same unpaid balance on the XXXX account to the credit reporting agency. Thus it seems we have XXXX Visa account with equal unpaid balances. This negatively impacted us by lowering our credit rating and higher debt than the actual. When I contacted the Wells Fargo Bank to correct this error, they wrote back stating they saw no erroneous reporting. We contacted Wells Fargo Bank again and spoke with another agent named XXXX XXXX of XXXX of Wells Fargo who correctly identified the error and agreed to update our credit and reflect the closure of the original regular XXXX account. However, my husband and I have already suffered a damage because of their error. We feel the credit reporting agency has failed due diligence as well.

Company response to consumer: Closed with explanation