milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Payday loan, title loan, or personal loan (Installment loan) with CNG FINANCIAL CORPORATION (DE).
Issue: Charged fees or interest you didn't expect

Complaint: I took out the loan in XX/XX/XXXX and my 2nd installment payment was not honored by my bank. When XXXX called me about the missed payment, I told them that I could not pay it in lump sum and the representative said that I could pay XXXX until the that installment was paid. I setup a payment for that day XX/XX/XXXX and then paid XXXX 9 times and the last payment of XXXX came out on XX/XX/XXXX. The original installment agreement also continued to extract from my account on the dates originally arranged. When I made my final payment XX/XX/XXXX. I was contacted immediately after stating that I had XXXX something balance. When I called and asked why, the representative mentioned that I had accrued interest that was not paid for from the missed payment. The representative said that when I setup the XXXX payments it was explained to me. I told the representative that it was not and she put a manager on the phone and he said he would review the call and get back to me. Nothing happened, except more collection calls. When I talked to the company again the same thing happened. I explained to the representative how the interest was not explained to me and that representative put a manager on the phone and proceeded to tell me again that they would review the call and get back to me. The next call I answered after that was from a collection agency. I talked to them a few weeks ago and they told me about the debt. I explained to them also the situation and they mentioned that they would XXXX know. I am trying to apply for a mortgage and my financial counselor noticed this on my credit and with me telling her what happened, we decided to file the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with ERC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a a unverified account from ERC #  XXXX . I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C .1692 g,   I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following :  1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with DISCOVER BANK (IL).
Issue: APR or interest rate

Complaint: I have been a Discover credit card member since 2005. Several years ago, I used the card to purchase home improvement material. The monthly payments were being made on time. However, after making payments for some time, Discover representative informed me that the low promotional interest rate would now change to higher interest rate. While I tried to explain this promotional rate should remain, they would not hear of it and raised my rate to around 9 %. After another year of making on time payments, Discovered called again and raised the interest rate a second time to around 16 %. I objected to raising the rate on purchases that were initially made on a low promotional rate offer. In addition, for no reason provided, Discover significantly reduced my limits on the card to the balance remaining further preventing me to purchase on the card. I continued to make on time payments, and once again Discover reduced the limit to balance remaining. This practice of reducing limits continued as the principal was paid down. I objected that if I am making on time payments at higher rates and never late, why the reduction in credit limit. The bank stated that this was their normal practice based on review of my credit card statement. Again, I had no choice but to continue to make monthly payments on a higher interest rate. Finally as recently as a year ago, the rate was once again raised to 21 % and the credit limit was once again reduced. I believe the bank is illegally changing terms in the middle of the contract and continuing to raise interest rate higher than those offered by competing banks. Also, Discover continues to reduce my credit card limit although payments are always made on time. This is not a fair bank practice and in my opinion illegal. A loyal customers like myself who has been with this bank since 2005 should not be taken advantage of and who has demonstrated good on time payment history. Because the bank unreasonably increased my rates several times and reduced my limit several times, these actions by Discover has placed undue hardship on me and my family, taken advantage of my financial situation, and in my opinion is an illegal practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Global Payments Check Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: we have a settlement and they wont pay me XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Student loan (Federal student loan servicing) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I filed disputes for removal cause of missing information from credit rating, amount paid, balance incorrect, and incorrect account number

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 01/19/2016 about Debt collection (I do not know) with I.C. System, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of Identity theft, as soon as I was notified of this I immediately informed the FTC as well as all XXXX major credit bereau 's and any corresponding debt collectors or agencies. I initiated several disputes in compliance with federal law. My disputes were granted and the fraudulent info was removed from all XXXX of my credit files. As of XXXX/XXXX/2015 I was given notice by letter from the reporting agencies stating that after a thorough investigation my disputes will be honored and this fraudulent information will forever be removed from my credit file. The false info affecting my credit file is XXXX XXXX. This fraudulent info has now reappeared on my XXXX credit report again and displays even more fraudulent info that is inconsistent with the initial claim : I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, 2015 Collection Agency I C SYSTEM Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2015 Closed Date -- Responsibility Individual Balance {$230.00} High Balance {$230.00} Remarks Placed for collection

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I had an end of lease inspection and was told by the inspector there would be an {$85.00}. cost for damage. I had time to get any repairs done if the cost would have been more than that. I knew that there was damage to the front bumper that was close to the ground, but was told that was expected since it had no protection like many cars have and is easy to bump into parking lot cement curbs. I could have had the repair done for an estimated {$75.00} if I had known I was going to be charged an excessive amount after turning in the leased car. My mileage was way below the allowance and the car was in excellent condition. 
A few weeks later I received a bill for {$330.00} which was excessive. I called the customer service number and was told they would review my complaint and get back to me which they never did. I was told these repairs I was charged were probably not done, as the car would be sold at auction as is. This is a dishonest practice that I feel should be stopped. I do n't want to pay these unreasonable charges, that were deceptive and unreasonable. Please help me with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2016 about Credit card () with Alliance Data Card Services (VA).
Issue: Credit determination

Complaint: XX/XX/XXXX I applied online for a XXXX credit card so that I could finance equipment. I received a letter from Comenity Capital Bank stating that they declined because I am XXXX years of age. XXXXHowever, I am in fact XXXX years of age. The letter of declination that I received did not notify of where they received this information, and when I contacted XXXX by telephone they refused to tell me where they received such information. 
XX/XX/2016 I received a letter from the IRS indicating that someone had fraudulently used my SSN to file fraudulent tax return. I explained this to XXXX and they still would not inform as to where they received the information regarding my date of birth. 
Then 2 weeks ago I made a purchase on the very same XXXX website using a well established Credit Card. After 24 hours I received an email from XXXX canceling my order. They are now refusing to do business with me. I called but was treated rudely by someone in Sales who refused to escalate my call to someone with more authority and more access. He instead did the same as hang up on me when he transferred me against my instruction. The next person opened a case for me stating that someone would be calling me with 24 hours or thereabouts. 
I have not heard from them in over a week. They have fraudulent information regarding my identification, they will not inform as to where they received such information and they are refusing to do business with me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a phone bill sent to Receivables Performance Management for collections in the amount of {$370.00}. I called to pay my bill and they settled for {$200.00} dollars. They told me i could make two monthly payments of {$80.00} dollars and on of {$48.00} in 3 consecutive months on my first call to them. I paid the two payments of {$80.00} dollars each month and went to settle the remainder. They then told me the settlement never happend and i would have to pay the rest of the full amount and the two payments i made were just good faith payments. I said this was untrue and asked the phone call to be pulled from the initial XXXX XXXX call. The company stated this would take 48 hours and they would give me a call back. They never did and when i called back, i keep getting transferred to the " management department. '' The phone just rings or disconnects each time and i have to explain the situation all over again. For 3 days i have been told i will receive a call back later from a supervisor and i have yet to receive a call. I told them i would file a complaint and they hung up on 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 12/20/2016 about Student loan (Federal student loan servicing) with EdFinancial Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have contacted loan servicer Ed Financial services multiple times to clear up inaccuracies that have been reported to the credit bureaus and negatively impacted my credit score. My inquiries have been met with non-responses and delay tactics. Out of frustration, I referred this matter to the XXXX XXXX XXXX XXXX 's Ombudsman 's office and contacted this office. 

On XX/XX/XXXX, I contacted Ed Financial Services by phone to resolve their inaccurate credit reporting. Ed Financial asked me to send a fax with the information that needed updating and a letter explaining said problem. On XX/XX/XXXX, I received an email from Ed Financial saying they received my correspondence request. I called to follow up on XX/XX/XXXX and was told a supervisor would return my call. No one did. I 've followed up by phone again today ( XX/XX/XXXX ) and was again told someone would return my call, but they do n't have a way to connect me directly ( because it 's a different department ). 

During these calls, I have repeatedly been told Ed Financial has not been inaccurately reporting the information, although my credit report says Ed Financial last reported the account status for several loans in XX/XX/XXXX. Those loans were consolidated through XXXX XXXX in XX/XX/XXXX. I have disputed the inaccuracies with the credit bureaus, and when inquiring about the status with the bureaus I am told that Ed Financial has not contacted the credit bureaus to provide any update. 

These loans have also been reported to the credit bureaus in duplicate, and again as the consolidated accounts, so from anyone reviewing the report ( for credit decisions, renting an apartment, loans, etc. ) it appears like I owe upwards of {$65000.00} in student loans with past due status when the correct balance is approximately {$16000.00}. 
I have attached the correspondence I provided to Ed Financial, including my credit report with the inaccurate information circled. Thank you for reviewing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MA).
Issue: Managing, opening, or closing account

Complaint: I am a ( pending ) customer to RushCard for a few years. Over 2 weeks I have n't been able to access my XXXX accounts/funds ... My XXXX & payroll checks both gets deposited into my accounts ... Have n't been able to pay my bills, ex : made a budget payment plan with my daughters cellphone company, since Rushcard declined to process the transaction ( which I have available in my account ) now her total bill is due & service has been interrupted ... XXXX How fair is this to her & I? Running low on food & toiletries ... .. Rent is about due, but the most importance overall is putting a smile on my daughter 's face for her XXXX birthday this Friday ( XXXX XXXX ) ... .. I 'm having XXXX as I know & feel I still wo n't be able to access my funds yet another week : ' ( XXXXPlease help me!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2015 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account is fraudulent and continues to report on my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with Alorica Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: WEST ASSET MANAGMENT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WEST ASSET MANAGMENT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WEST ASSET MANAGMENT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I am constantly receiving letter 's from Ocwen Loan Servicing. 
About possible foreclosure proceeding on my home. 
This happen is every month. 
I have been on time with my payments, and I am not behind on them.

Company response to consumer: Closed
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Taking out the loan or lease

Complaint: We got aa title loan from loamart in the name of XXXX XXXX and XXXX XXXX they gave us the check we cashedit they said the bill was due on XXXX XXXX and the tow truck came on XXXX XXXX and repo thethe truck when we was n't even late for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Consumer Loan (Installment loan) with AQUA FINANCE, INC. (KY).
Issue: Managing the loan or lease

Complaint: We bought a XXXX with the payment agreement to be with XXXX Finance XXXX Al. XXXXXXXXRe : ACCount # XXXXXXXXThe terms we agreed to were 6.90 % with payment for {$66.00} for the XXXX 12 months and {$100.00} for the remainder of the loan. 

As soon as the tub was installed we received a letter from XXXX Finance that they had transferred the loan to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Wi. XXXX XXXX is trying to charge us an interest 0f % 19 for the entire loan. We never agreed to this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried reaching out to the apartment complex to get vitrifaction of this and failed attempts telling me to get a lawyer to release information I have never ever stated at the reporting apartment   XXXX   XXXX   in   XXXX   XXXX   Arkansas never have I signed a lease or heard of them I have no known address associated with this place and I have contacted the creditor also informing them of the same information this is not my debt and has been holding me back from getting approved for any apartments in my name I really need this removed or verified as providing proof of Identification and social security card due to this is the information that would be need to put anything in your name. If I am not able to get some type of proof that I stated and leased an apartment with this place I need it deleted from my credit profile.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Erroneous and excessive fees, poor communication, lack of point contact, inability to reach any same person twice, inability to reach escrow department, first loan mod in approx XX/XX/XXXX approval for Hamp but recieved a LIBOR ( no choice and set me up to fail, by stating 'make no payments ' ) Miss-statement of alleged amounts owed, harrassing phone calls when late, ( three times a day ), excessive 'inspection fees ', mismanagement of escrows, forced insurance ( insurance and taxes are escrowed ) During the shuffle from AMHS to Homeward, back to Ocwen, I was informed my insurance was canceled, however when I contacted my insurance, they claimed 'non payment was reason for cancellation, Ocwen said too bad, they 'Homeward ' were a different company and now I must secure new insurance ' Homeward is Ocwen, they misrepresented the facts. AMHS is Ocwen, XXXX XXXX is parent company. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I fell behind and was offered HARP, with a payment plan, every notice I received the principal, interest and escrows figures changed, varied and did not compute. Iv been paying on this account since XX/XX/XXXX with XXXX beginning balance, yet they show balance on XX/XX/XXXX as XXXX. Can not get strait answers, foreclosed XX/XX/XXXX bank bot back, property in REO > I have never dealt with a company with such disregard, in attempting loan mod, was told to fax 24 pages, they never got, had to resend. Fed up, I paid up in XX/XX/XXXX, mentioned I was not caught up with tax returns, they said " we can get around that ''. I Called back and was instructed to wire money to a XXXX XXXX account via XXXX XXXX ( i have full documentation and receipts on this transaction ) Odd, I suspect money laundering, definitely identity theft, as my vital personal information ( they never received in loan mod attempt ) went to who knows where? This is THE absolute nightmare of a company who takes very little responsibility/accountability/outsourcing their customer calls to a foreign country, who do not understand off 'script ' EXTREMELY FRUSTRATING TO DEAL WITH > HORRIBLE experience for ten years!! THE WORST. Came from Option One who went down in XX/XX/XXXX, months after I originated. Ocwen has been 'master servicer ' since the beginning. They will ruin your credit, and basically do whatever they want not short of take your house when servicers are not allowed to enforce anything but payments. Do not be fooled, they will lie, cheat, and cover up at every opportunity.

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