milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 10-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am writing to you because I just discovered that a large payment I made was severely misapplied and, because of that, I have been charged interest that I shouldnt owe and a loan that should have been paid off is still accruing interest and has barely budged at all! 

In XXXX of this year XXXX XXXX XXXX, I called and got the payoff amount for this loan and the specific account number. I then made a balance transfer to a credit card which charges me XXXX interest for XXXX months because I knew that, in that time, with no additional interest accruing, I could totally pay off this loan. The payoff amount was XXXX and thats the amount I transferred elsewhere, which should have brought that loan balance to XXXX 

Today I was considering paying off the other XXXX loans with a consolidation through another company and so I came in to my account to get the payoff amounts and the interest rate. Thats when I saw that Navient says I still owe XXXX on that loan! Thats just a XXXX  difference since XXXX, which is irrelevant actually because it should be PAID OFF. The amount I paid off was applied broadly across ALL three of my loans, not applied to that XXXX loan as it should have been. I am VERY upset about this! Not only did the loan not get paid off, but I have also been paying it off monthly elsewhere AND I have continued to accrue interest on this loan. This is an EGREGIOUS and SERIOUS mistake which MUST be rectified. I called and got the payoff amount ; I had the payment sent to the correct account number, because I got that information when I called. 

This mistake has cost me DEARLY and it needs to be rectified, PLEASE. This loan should have been paid off and instead Im paying for it XXXX, at a rate of XXXX  per day! I need this rectified. This hasnt helped my situation at all. I stupidly assumed the payment would be processed correctly, which is why I didnt check. And I thought that my monthly XXXX was now being applied to only the other XXXX loans. Ive gotten absolutely NOWHERE when I thought I had paid off at least that smaller loan. This is terrible and horrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (NJ).
Issue: Deposits and withdrawals

Complaint: Rush card has completely been so disrespectful with their most recent system set back. Let alone i have transfered money from one account to the next and the funds are nowhere to be found. I 've been hung up on numerous of times and on hold now for over an half hour. My car payments and insurance has been paid late and rush card has no compassion of the matter and all I want to know is where is my money. I will be closing accounts associated with Rush Card due to the lack of services and the set backs on paying bills. I never want experienced this again I was an loyal customer since 2011 but I will be continuing putting all all funds through a real banking service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Mortgage (VA mortgage) with GMFS, LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband got a VA loan with GMFS Lending. My husband is self employed and had a big decline in his income. We contacted GMFS immediately and they sent us a packet to be completed and sent back with documents that they requested. We did exactly what we were told. Within 30 days we received a letter stating that we were missing documents that we had proof was faxed. So we resend the missing documents and called to see if they have received them. We were told that it takes 2 days for the information to be uploaded into the system. When we would call back in 2 days were told that all documents were received and was headed to the underwriter putting foreclosure on hold. Later we received a letter denial stating that my husband did not have enough money to afford the home. Evidently we did not fill out the packet correctly so we had to start the process all over again. We have been play this game since XX/XX/XXXX and finally we were served foreclosure papers and a sale date of XX/XX/XXXX We were shocked because we were under the impression that our paper work was under review. On XX/XX/XXXX I called GMFS and spoke to XXXX ID # XXXX to inquire about what was going on. At that time XXXX informed us that he did not see a sale date or any papers for foreclosure. but he will send an email to loss mitigation inquiring about our modification. When we did not hear anything from GMFS we called again. Again we were told that they did not see a sale date. I explained to them that I was holding the papers in my hands, we were served. We were told to disregard that because their computer does not show that any papers were served or a sale date. We have been calling GMFS every 2 days or so to check the status and was told that our paperwork was received but they did not know why it has not been sent to the underwriter. We were told to call back in 2 days. We called back and was told the same thing and that they were going to escalate to management. We called back in 2 more days and was told the same thing. Today is XX/XX/XXXX my husband called GMFS and was told that the paper work was not sent to the underwriter and did not know why but they were going to escalate it to another manager to call back in 2 days. We have been playing this game too long. We are not looking to live here for free we want this resolved so we can sleep at night.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call from XXXX (?? ) XXXX XXXX saying that I am being served a civil suit for a overdraft from XXXX XXXX in XX/XX/XXXX. They said original balance for the debt was XXXX but I owe them over XXXX now. I have looked at my credit report to repair credit but XXXX was never on there and I havent gotten any calls besides this current call ( XX/XX/XXXX & XX/XX/XXXX ) saying I am being served.

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 04/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NM).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: Over the course of 11 years a lot has happened between the pressures of  XXXX   XXXX  pushing to finance my education when I had the money to pay outright at the time,  XXXX   XXXX  taking over my loans and Navient continuing to service them. My complaint is about the incorrect and ruinous suggestion from  XXXX  Mae/Navient 10 years ago to consolidate my loans. What was done could not be undone. My private loan increased from a few small increments t o one large one an d my interest rate skyrocketed with it to over 19 %. No one at   XXXX   XXXX   told me they would do this, no one atNavient can do anything about it. In 10 years I have not made a dent in my initial balance, at this point I wholeheartedly believe that going to college was the worst decision of my life. I beg friends, family and colleagues not to go at all or not to finance. I tell them my story and luckily, so far, no one I know is financing their education. Those of us who were   XXXX   XXXX   by the Triad of deception,  XXXX   XXXX ,  XXXX  and Navient, are for the most part completely stuck. Stuck with an useless unaccredited education and a lifetime of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was in the service and went on medical leave and the place I was living at was informed and I should not owe anything to this company, now years later they are trying to collect. This is not right, I need some 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 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I gave a 60 day notice for me to move out for XXXX 2015. I have lived in this apartment for over a year. There was MULTIPLE problems with the apartment. there was live mold in the a/c unit in the bathroom. The location was above the sink in the bathroom. I have pictures while I was living there and moved out as the rust and mold grew from the leaking a/c. The kitchen was infested with roaches. I gave back the keys. The report of the charges that are in collections is not clear. Very BLURY TO READ. I requested a copy 3 times and only received XXXX copy that is blurry. I called there collections agency and it is fraud. One XXXX man answers the phone and does not explain charges only ask to money. I called XX/XX/XXXX 3 times the same person. ITs fraud.

Company response to consumer: Closed
Consumer complaint received 03/27/2015 about Payday loan () with REGIONS FINANCIAL CORPORATION (TN).
Issue: Can't contact lender

Complaint: XXXX Associates called me and stated that I owed a bank I no longer have an account with ; they stated that I would be served a summons. I contacted the creditor and they have no record of an outstanding balance owed to them. I informed this business when they called that according to federal law that they are supposed to mail me a letter withing 5 days and included in that letter they are to state that I have 30 days to dispute which is in accordance of the FDCPA. 

I further told them that they are no longer allowed to call my home, cell or work until I recieve from them the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NJ).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: After Not being able to pay my bills due to employment termination i contacted discover several times. To make them aware that i am no longer working and i needed minimum payments they never responded. in the past they sent me {$100.00} to pay towards my discover bill which was kind of them however now i am working full time on XX/XX/XXXX i made my first payment of {$410.00} to catch up on my payments, On XX/XX/XXXX i made my second payment of {$140.00} and i noticed nothing changed as far as my available credit. i made a payment of {$25.00} on XX/XX/XXXX and another payment of {$110.00} on XX/XX/XXXX. and still my credit line keeps decreasing. so i called discover and the young lady told me that my credit line keeps decreasing because i am being charged interest. i explained to her that makes no sense because i am pretty much paying my bill to pay interest and she said yes that is correct. i explained to her i do not have this issue on any of my credit cards and she asked was there a balance and i stated yes there is a balance and i do not get charged interest. even when paying my bill with you all in the past there has been no interest charges of this significance. and that this must be some type of scam. she was not able to provide me with any information and this is absurd. i know credit cards have fees but not of this significance. and they offer no solution to help you. i am being charged {$110.00} for interest and my minimum balance due is XXXX what a way to scam a customer and then she tells me that is how we make our money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Issue that occurred was on Friday afternoon, XXXX XXXX, Capital One bank contacted me, and informed me they accidentally drilled into my safety deposit box, ; they said i needed to go down there and pick up my items. The bank is located at XXXX XXXX XXXX, XXXX, Texas XXXX. The Manager who called me is XXXX XXXX However, upon arriving at the bank, the bank refused to release or even let me see the contents of my safety deposit box, unless i signed a form, waiving all liability to the bank, and confirming that all items were intact despite not having been able to see them. I was offered a chance to review an inventory that was hand written, illegible, and disorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OR).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have had a long going history with Chase for years and have excellent credit and I have even paid annual fees lately for recent credit cards. I noticed today that they shut all my accounts down. They said its because I have had too many accounts opened in the past year. There has been no fraudulent activity or abuse. I am extremely upset, as i use these accounts often for travel. I recently paid XXXX annual fee for a XXXX XXXX card as well, they closed this account and will not refund the fee. Please help and have them reinstate my accounts or I will seek legal action. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have recently learned that my protected personal financial details including SSN, account information, address details, and more were improperly disclosed by Equifax on or about XXXX XXXX 2017. Equifax, by its own admission, disclosed this information to one or more parties who breached Equifax 's apparently paper-thin and entirely inadequate IT security protections.
Solely because of Equifax 's negligence in implementing and maintaining IT security protections, an alarming amount of my personal information is now available in public for criminals and others to misuse. I am extremely concerned about identity theft, financial fraud, and impacts to my businesses as a direct consequence of Equifax 's significant and profound negligence. 

It is crucial to appreciate that the impacts of this improper disclosure will last the rest of my life because the information Equifax improperly disclosed includes aspects of my life I can not readily or reasonably change, such as my SSN and physical addresses. When one combines that information with the information of my parents and wife ( which was also all disclosed ) you have a Perfect Storm for identity theft and fraud. 

It is alarming that Equifax failed to report or provide any information about this improper disclosure until six weeks after they became aware of it. They should have done their duty and timely informed consumers and law enforcement. In that basic responsibility they also failed. Worse : in the interim, it is reported that multiple Equifax executives sold company stock worth almost {$2.00} million dollars. All of that demonstrates Equifax 's true motivations and values : first they imperil consumers through their own gross negligence and then they reward executives who knew or should have known better - and who should have prevented the disclosure in the first place.
I Implore the CFPB to act decisively in this matter. By media reports, more than 140 million US citizens have been injured by Equifax 's failures.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I mistakenly sent my mortgage payment to previous loan servicer Ditech on XX/XX/XXXX. Since then I have called them more than 10 times and have not received my check back. Everytime I call, I get a different answer. I have been told the check was mailed on XX/XX/XXXX and then was told on XX/XX/XXXX. Nothing came in the mail, I verified my address and it is correct. Supposedly a manager was working on it but when I call her she has to send email to another area to find out and then nothing happens unless I call them to get the same answer. I have even told them to check with Monetary department to look under unapplied account and overnight the check. No one seems to know what to do. I have now starting getting assessed late charge and collection calls from my current servicer. I admit I made a mistake but it should not take this long for a big company to cut a check. I have worked myself in a bank before and checks can be cut same day and overnighted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a fraud dispute several times with XXXX Credit agency. I called at XXXX XXXX XXXX XXXX 2016, I sent them a police report a dispute letter stating fraud XXXX time in 3 months, I have spoken to them several times about wrong names listed on credit report andd the company Pinnical Credit Services which the fraud dispute was filed. My conversation today was nothing has been filed, disputed and names had to be disputed once again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Debt collection (Medical) with Patient Accounting Service Center (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I switched my son over from a XXXX to XXXX physician since he 's now an adult. I made the appointment and went with him to his new doctor and paid the {$10.00} copay in full XX/XX/2015 on date of service ( have receipt ). I got a bill from XXXX XXXX XXXX XXXX stating I owe {$10.00} still but that got clarified over the phone with billing and they told me not to worry about it - they see that I did pay on day of service. 
ARStrat called and sent us a bill and my son was sent to collections over {$10.00}. ARStrat said they could n't speak to me despite telling them I paid for it and have proof and told them to call XXXX XXXX. They wanted my son to call them even though he did n't pay the copay. They just set up walls. They would not let me speak to their supervisor. Depending on which day you call and who you talk to on ARStrat 's phone some will say they do NOT have a supervisor nor legal department to talk to. Every time I call the doctor 's office and billing department - they say I 'm good. They even communicated with ARStrat multiple times but ARStrat denies any such communication. So I paid ARStrat to quit harassing us till we get this resolved. ARstrat says they can not talk to me unless they get permission from my son. He gave them permission and told him to call his mother to clarify this with her. ARStrat told my son they " will not call your mother because you do n't have an account with us '' - that 's because they were paid and do n't want to give my money back - nor do they want to resolve issues. I told them several times to call XXXX XXXX XXXX and they will tell ARStrat that there was a clerical error posted to my account instead of my son 's. But ARStrat wo n't listen. I had to call them back and keep pushing to speak to their supervisor who was just as rude and put up lots of walls also - not very helpful at all. No body at ARstrat would look up the confirmation # paid on their billing statement nor reference number. Not only am I trying to get my money back from ARStat - I want a formal APOLOGY for putting innocent people through XXXX. People who actually pay their copay like they should and still try to collect and harass and bully people that did no wrong in the first place. ARStrat need improve their communication methods, customer service and listen more to people. My name is XXXX. Personal info is my son 's name XXXX with last XXXX social to help you find the account listed under personal info section.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax had a breach. Why should I have to put my sensitive information out there to get monitoring. It was not my fault it was Equifaxes. They should automatically monitor the accounts affected without the consumers doing anything to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (FHA mortgage) with State Home Mortgage (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company took money electronic out of bank and did not give me credit for my payments. Got a modification six months later they increased my payments

Company response to consumer: Closed with explanation