milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I sold our property XX/XX/XXXX. We have been waiting since that time to receive a corrected Discharge of the Mortgage that references a Modification Agreement and a XXXX Mortgage recorded XX/XX/XXXX. The original mortgage, obtained XX/XX/XXXX, was Discharged XX/XX/XXXX, post closing, but it did not include the reference to the Modification liens. The closing attorney will not release a portion of our proceeds until the XXXX modification liens were referenced in a Discharge. Subsequently, the lender, Nationstar Mortgage Company, LLC, sent a revised Discharge with a reference only to the Modification Agreement but not the Subordinate Mortgage. The lender keeps dragging its feet and has one excuse after another as to why they ca n't or wo n't reference the XXXX Mortgage. At first they said the payoff XX/XX/XXXX released both liens because they both had the same loan number, MIN number and FHA case number. Now they say they do n't have the authority to reference a Discharge for the XXXX Mortgage even though they prepared the documents. The latest tactic is to blame the Registry because they require a release of both liens and they do n't think it is required. My attorney has been working diligently with them but has lost all patience. She suggested I file this Complaint and see if it would do any good.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My husband and I took out a student loan with Sallie Mae at a 9.2 % interest rate for the maximum amount of years 10. We are supposed to pay them {$570.00} a month. We are in forbearance right now because we just ca n't afford the payments at the month and there is no other way to defer the payments. We are charged {$50.00} for a " forbearance fee ''. Each month we are charged {$370.00} just in interest while this account is in forbearance. This ca n't be right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Consumer Loan (Vehicle loan) with VW Credit (CO).
Issue: Managing the loan or lease

Complaint: I have a vehicle loan through Volkswagen Credit for a XXXX XXXX SportWagen. This vehicle was included in the VW XXXX Liter diesel settlement agreement, and I entered into an agreement with VW XXXX XXXX to buy back my vehicle under that settlement. The amount of cash I was entitled to receive in that settlement included payoff of the remainder of my vehicle loan balance with VW Credit as the balance stood at the time VW XXXX XXXX confirmed my outstanding loan balance which was sometime in either late XXXX or early XXXX XXXX. However, I was not able to obtain an appointment with VW XXXX to buy back my vehicle until XXXX XXXX, XXXX. In the meantime, XXXX payments on my auto loan became due and I paid both on time. I was assured by VW Credit and VW XXXX that VW XXXX XXXX would transmit the full amount of the balance due as of early XXXX and the amount of payments I made in XXXX and XXXX would be refunded to me shortly after VW Credit received the funds from VW XXXX. The VW Credit representative I spoke with initially told me it would take 2-3 weeks for VW Credit to receive the funds from VW XXXX XXXX, and would initiate a refund of overpayment to me within 2-3 business days following the account closure. VW Credit confirmed that it received the funds from VW XXXX XXXX to payoff the loan and closed the loan on XXXX XXXX, XXXX. I called today XXXX XXXX XXXX XXXX to determine when the overpayment would be refunded to me, and they confirmed I had a refund of about {$820.00} due to me, but would be holding those funds for 17 days following the payoff date of XXXX/XXXX/XXXX. This means that VW will effectively have held my money for nearly a month and a half after I turned in my vehicle to VW and satisfied all my obligations to them. I believe I ( and other VW owners who are similarly situated ) be entitled to a speedier return of our funds. Shortly after I got off the phone with this representive, he called me back and let me know they could expedite the process by about 4-5 days if he submitted a check request. However, this will still result in VW Credit holding funds due to me for over 1.5 weeks following payoff of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AP).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my information was compromised in the incident. I now have more reason to fear identity theft may be in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Private student loan debt) with Stillman Law Office (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XX/XX/XXXX the student loan was taken out for XXXX XXXX with my now XXXX uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked fo deferment or assistance. XXXX handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting XXXX XXXX to stop the attempt collect on student loan that I am not able to pay and my XXXX uncle is XXXX XXXX XXXX  to help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Medical) with General Service Bureau, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was from medical bills that should have been covered by my insurance. I advised XXXX of this with each billing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Accredited Collection Service, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a tanning package with XXXX, in my contract in stated that if I was to move out of the area where XXXX XXXX is not located I could cancel my membership with no fees. I then moved to North Carolina for college before my contract was up. I have attempted to reach XXXX XXXX management to cancel the account and they will not. They do not return phone calls and are never in their office. XXXX XXXX sent my account to a debt collector who is no help and getting the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I am requesting hardship assistance. However I am being told I do not qualify for any assistance because I received a modification last year. I am also being told I had XXXX repayment plans, this is inaccurate. I requested a supervisor to contact me so that we could resolve the repayment plan discrepancy. But I have yet to receive the phone call. time is of essence i have no been referred for foreclosure action!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In early in XXXX, I received a call from Kohls collections letting me know that I had an overdue payment due. I told the representative that I was surprised to hear this and I must have overlooked something. I have a perfect payment history with Kohls and all other creditors. I asked the woman on the phone that if I made a payment on that day, would it be reported to my credit score? She verified with a supervisor that as long as I made the payment on that day, it would not be reported to my credit score. I was relieved to hear this and gladly made the payment. When I checked my credit score a month later, I was shocked to see that Kohls had indeed reported it as a delinquent payment. I immediately called Kohls and spoke to another representative. I explained the situation and how the first rep assured me it wouldnt be reported. She then also checked with her supervisor and said that they would redact the negative credit report. I was relieved to hear this and was pleased Kohls was honoring what the first rep told me. Today, I received a letter in the mail telling me that they have decided not to honor what either rep told me and the negative credit reporting would stick. I immediately called in and spoke to a supervisor named XXXX and told him the story. He then says to me, Maam you know this is recorded call right? Well we have you on recording admitting that you missed a payment My complaint is this : I was lied to by the first representative when she said it wouldnt be reported to my credit. Then I was lied to AGAIN when I was told that it would redacted. But worst of all, your supervisor XXXX THREATENED me by saying you have on recording that I said I know I missed a payment. This is disgusting and insulting to a Consumer. My issue is not with your credit reporting practices. I understand the need for that to be consistent. However, it is deceptive to the customer to have representatives lie or provide false information to them. On the second call, the rep could have easily let me know there was a decision making process and I could expect to receive a decision in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX from Cavalry Portfolio Services called for XXXX XXXX, another tenant in my building. She refused to give a contact phone number and disconnected when I insisted.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My wife and I are about to default on our loans with Navient. We both were in reduced interest payment plans with them. My payment was about XXXX every month and my wife 's was just around XXXX a month. we made these payments for 18 months. last XXXX my wife suffered some very serious XXXX. She had to be hospitalized, lost her job, and still needs to be treated on a regular basis. She has begun working again, but makes about 50 % of what she was earning before. We are now unable to pay Navient. I have made several attempts to get them to reduce our payments, but the best that they can come up with is XXXX a month for my loans, and my wife 's would remain the same. We ca n't afford this and now they are threatening litigation. How can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Managing the loan or lease

Complaint: Vehicle was paid off and refund due. Company refuse refund money for 21 working days even thought transaction have been complete, refuse to pay interest on money held doing this period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (MO).
Issue: Making/receiving payments, sending money

Complaint: U.S. Bank - I was speaking with a bank representative named XXXX that suggested I transfer funds from XXXX bank card to another at a lower interest rate. I did and asked that my payments be due on the first of the month. After everything was transferred over from XXXX cards, I received my first statement and it stated 11 % which was higher than the 5 % he quoted me, also, there were transfer fees. To top it all off, any account I have has a grace period of at least 5 days. If my account was n't paid on the XXXX of the month exactly ( which was never explained to me ) I finally discovered I 'd been charged late fees. I 've always paid my bills between the XXXX of the XXXX of the month. Upon discovery, I was smoothed talked again and then found out my interest rate had gone up to 28 %.

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 10/25/2016 about Credit card () with U.S. BANCORP (MT).
Issue: Overlimit fee

Complaint: I use a US Bank rewards card for company expenses and pay it off each mot month. When I was reviewing last months statement yesterday, I noticed that a {$57.00} interest charge had been added. I was surprised at that because of my pay it off each month process. I checked the date of the payments last month to see if they arrived late ... no they were there on time. Then I checked the past due line on the statement and there was zero showing as past due. So I called to see what I was missing. After all {$57.00} is real money. The person on the phone quickly advised me that they would waive the interest charge, but the reason it was generated is the reason for my complaint. Turns out, due to my check writing error, the XXXX checks I wrote from different accounts for last month 's payment was XXXX short of full payment. So interest was charges as though I had n't gotten the payment there on time for the entire amount. Excuse me..this sounds like illegal activity to me even if it was just a computer error or something. I had a XXXX shortage of my payment, which was rounded off to show zero in the past due, but the interest function charged me {$57.00}. I wonder if the interest rate on a XXXX charge is to get to {$57.00}. Not sure it is calculable. I know that I was not out any money because I called and asked about it, but what if I had n't, and what about all the people that just pay the balance showed and end up paying those charges on mistakes like that.

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 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I made a student loan payment th rough Navient 's online payment system. They duplicated the payment, taking it out of my bank account twice. I 've called and emailed several times and provided proof of the duplicate payment. They keep saying that I made two payments, which does n't make any sense at all, and have not refunded the money. My loans have been up to date for years and I am not behind on any payments. I can not afford to make two payments in one month since each payment is close to {$600.00} and I am in the income base d repayment system. This has caused me financial hardship and I just want the money returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted Ditech Financial several months ago to have the PMI removed from my loan. I meet all the requirements to have it removed and have given proper notification to this company several times for months. They are neglecting to get back to me in any sort of timely manner. When my wife contacted the company last week ( again ) the company representative was at a loss why we have n't been contacted to get the process started. She also informed my wife she would get back to us with an update or something, but again, just another way for this company to blow off its customer. Time and time again this company neglects our requests to manage my loan. I 'm retired from the XXXX and am really trying to save as much money as I can. I have met all the necessary requirements to have this additional fee removed from my loan but Ditech will not assist me in any way, shape or form. I want to report this poor excuse of a company to the proper Agency and hope to get a resolution ASAP,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have already sent a dispute to this credit reporting agency and it still show my account regional acceptance as open when is it payed off. The account should be showing closed account

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 06-09-2015 about Consumer Loan (Installment loan) with Rent Recovery Solutions (TX).
Issue: Managing the loan or lease

Complaint: I rented the apartment from them. We moved out and we left the apartment clean. They never send me my deposit to me. I want to know why they are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My account has only my XXXX XXXX deposits. My account was frozen by the Bank of America, as my daughter told me, for XXXX days. I did nothing wrong. The Bank of America did not contact me. I did not even know that my account was frozen I went to the grocery store to buy food and my card was rejected in front of everyone. I could not buy food to eat. 
I am almost XXXX XXXX XXXX, and this is wrong what the Bank of America did to me. Why did you freeze my account? Will you do it again? My XXXX is barely enough for me to live on, and I could not buy food. I am nervous and afraid to have this happen again. Why did you freeze my account? 

Please answer 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 04/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (OH).
Issue: Fraud or scam

Complaint: On  XXXX / XXXX /  XXXX   at  XXXX   XXXX  our organization 's treasurer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  ), received an email pretending to be from me, our organization 's top officer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  with this message : " Hi  XXXX . Are you available to make a payment to a vendor today? Let me know the available balance in our account then i [ sic ] can get [ sic ] further instruction  [ sic ]  on the transfer. Thank you,  XXXX   XXXX   Sent  from my  iPhone '' They have my name correctly spelled and they have my correct email address. However, I do not have an iPhone  and I never sent that message. I checked my  XXXX  account and did not find any such emails sent from my account I have since changed my settings.Meanwhile,  XXXX  did not immediately call me to verify after she received the  XXXX   XXXX  email, but she replied to that email on  XXXX / XXXX /  XXXX   at  XXXX    XXXX   as follows : " I am not sure what you are referring to as a transfer we have money in the account please send me the info  XXXX  '' Then fake  XXXX   XXXX  replied on  XXXX / XXXX /  XXXX   at  XXXX   XXXX  with these details : " Transfer {$6700.00} to the Vendors  [ sic ] banking information  below. Notify me once the transfer has been made and email me with a copy of the wire receipt in your next email. Account name :  XXXX   XXXX   XXXX  Bank name :  Wellsfargo [ sic   ] Bank Routine [ sic ] number :  XXXX  account [ sic ]  number :  XXXX  Bank Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . Thank you,  XXXX   XXXX   Sent from my iPhone '' Thankfully ,  XXXX  did not respond.  XXXX  finally called me about the emails at  XXXX    XXXX   on  XXXX / XXXX /  XXXX  , and I was able to confirm I did not send them and have not seen them. We are concerned the scammers knew our names, their correct spellings, our correct emails and the fact that  XXXX , as the Treasurer, would be the person with the bank account information and that I, as the head of the organization, would communicate with her via email.

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 10/23/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing on a mortgage

Complaint: My mortgage was paid in full on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received reimbursement for my escrow account nor the overpayment of interest. The bank, Bank of America, closed my account on XXXX/XXXX/XXXX so I have no way to see what 's happening to my account via the internet. Additionally, trying to call the mortgage department is a frustrating waste of time. Each time I 've tried, I was never able to hold long enough to talk to someone. 

XXXX days to settle this account is obscene. Any payments to BOA that are late are charged a late fee but banks get a free pass?

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 01/25/2016 about Payday loan () with Enova International, Inc. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: A company called cashnet has provided me a credit of {$1000.00} and have been taking over {$200.00} every other week. Specifically : {$240.00} on XXXX/XXXX/XXXX ; {$250.00} on XXXX/XXXX/XXXX ; {$270.00} on XXXX/XXXX/XXXX ' My account # is XXXX. The credit still stands at about {$1000.00}. I should be grateful if the Bureau could investigate and resolve this matter. 
email : XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Managing the loan or lease

Complaint: GM erroneously applied my XXXX 2015 payment to someone else 's account. GM has assured me this has been corrected, however my credit report indicates it still is not. Credit report should show closed/NEVER LATE on y XXXX Credit Report.

Company response to consumer: Closed with non-monetary relief