milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Trinity Financial Services, LLC (CA).
Issue: Trouble during payment process

Complaint: Trinity Financial Services is a company built on purchasing old debt and then threatening or proceeding with foreclosure as soon as the value of you home justifies them doing so. We attempted on several occassions to negotiate a settlement with them but their response was to file a notice of default against us and pursue a foreclosure. Even though the foreclosure would net the company less money than we were offering. Their website suggest work out programs but also touts how investors can receive amazing returns on their investments. The tactics and lack of ethics used in our case are well documented and repeated in several cases based on the number of complaints I saw on the CFPB site however they are currently in violation of Reg Z and the servicing laws designed to protect consumers. Since the notice of default was filed we provided the default amount and reinstated a HELOC that was taken out in XX/XX/XXXX ... ... yes they waited 9 years to file an NOD against us. in fact Trinity Financial did not even have the recorded assignment of the deed of trust when the NOD was filed ... which is a violation in an of itself. That said we reinstated the loan in XX/XX/XXXX and have since made two full payments on the remaining balance. to this date as of XX/XX/XXXX we have received absolutely ZERO communications from them regarding our loan balance, loan number, payment received and applied/or not applied ... ..NOTHING!!! I have sent at least 4 emails and made multiple calls with no response or direction. The fact is there is only one department ... ..loss mitigation. When you ask about loan servicing you get the same folks in loss mitigation. This organization is not equipped to service loans and at this time we believe they are violating the law with regards to providing the necessary statements and documentation of the payments received along with what the balance owed is.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX of the creditors listed on my credit report is XXXX ( filing number XXXX ), opened in XX/XX/1983, high credit limit of XXXX, curent balance of XXXX, as of XXXX XXXX. Shows a rev pament of {$28.00}, not pastdue, and no history of late payments. This account does not belong to me, and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with Williams & Fudge, Inc (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I submitted a complaint about  XXXX   XXXX  of  XXXX  trying to charge me almos st 5,000 do llars for attending their school for a few weeks. Now they have a company calle d Williams and Fudge hara ssing me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have send XXXX different disputes to Experian Credit Bureau about inaccurate information on my credit report. I sent the disputes certified mail w/ return receipts. I included XXXX forms of ID with my current home address. Each time, Experian sent me a response letter that said they would n't honor the disputes, because the request was suspicions, then they would say that I did n't send ID documents, which I did send. Then I got another suspicious request response. When I called Experian on XXXX/XXXX/2015 I was told that a manager would call me back within XXXX hours to discuss this matter. I have not received a call back. They have seriously violated the Fair Credit Reporting Act and made it so I might not get the promotion at my job. 
The accounts reporting are XXXX, when I call XXXX, they tell me that they already sent requests to Experian to delete the information from my credit report. But Experian claims they do n't see the request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Problems when you are unable to pay

Complaint: I cosigned a car for my sister. She and her husband voluntarily gave the car back to the bank. The bank than put a repo on both of our credit. The problem i have with that is there was no communication between us in the bank after the repo. I looked up the state laws in North carolina which states that during the repo procress the bank is suppose to communicate with us where the car was being auction at. The location of the auction has to be beneficial to both parties. before the car is auction they have to give us a 30 day noice. Also north carolina state laws says that after the auction take place they have 15 days to notify us how much the car sold for incase we have to pay the difference in lost or if they need to reimburse us. That was not done as well. I tried to talk to them and they said that if i sent a dispute letter to them they would not read it. I tried disputing it through XXXX credit companies nd they are not helping just keep saying that they looked into it and it been verified. They never say what was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Payday loan () with Ad Astra Recovery Services Inc (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2014 I noticed a collection on my credit reports from XXXX XXXX XXXX for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Student loan (Non-federal student loan) with American Student Assistance (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: American Student Assistance ( ASA ) consolidated my student loan under a made up interest rate. Harassed friends and family over false debt. 
XXXX XXXX directly at XXXXXXXXXXXX or by phone at XXXX ext. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (OH).
Issue: Taking out the loan or lease

Complaint: We leased a XXXX XXXX from XXXX XXXX in XXXX, OH in the year XX/XX/XXXX. The Owner of the vehicle was my friend XXXX XXXX. I was the co signer. We leased the vehicle for XXXX total years and always made payments on time. The lease worked in a such a way that, We could pay the rest amount of approximately {$8100.00} at the lease end and own the vehicle. After the XXXX years however, XXXX XXXX and Toyota Motors together warned and requested us to drop the car off and the Customer representatives with XXXX confirmed with me that I would not owe them any money after I did so. We wanted to buy the car for the rest {$8100.00} in balance but they did not let us do so. After some time, XXXX let me finance another XXXX XXXX as a single Owner ( XX/XX/XXXX XXXX XXXX, Present Owner ), But reported a {$8100.00} balance to the credit report agencies as a debt I owed them for the earlier car I leased and returned. 
Toyota financials and XXXX XXXX acted unethically in a malicious way treating their loyal customers by not letting us buy the car and reporting a balance I did not owe them. I emailed XXXX XXXX back in the day to own the car for remaining balance of {$8100.00} but they never replied as they intended to make more money from me and by also retaining the car. They did not try to help me out. I had so many problems because of losing the car and having a derogatory remarks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Using a debit or ATM card

Complaint: In XXXX 2015, Chase Bank sent us new debit cards containing an embedded chip. They are connected to our joint personal checking account. The new cards, however, had different XXXX numbers from the original cards they were meant to replace. 

We found this change extremely inconvenient since it would require us to change all of our automatic payment settings ( XXXX, XXXX XXXX, many online merchants such XXXX, XXXX, etc. ). We asked for new cards with the same account number. The Chase representative said that was indeed possible. 

Chase sent us new cards bearing the chip, a new expiration date and CVV code, but with the old original XXXX account number, just as we requested. 

Yesterday, as I attempted to check out at a local XXXX, my debit card would not work. I immediately called Chase, but got an hour and a half 's worth of the runaround ( the " system '' says the card has been cancelled, etc, etc., ad nauseam ). 

Chase was able to reactivate the card for long enough for me to complete my XXXX purchase, after which I went directly to my Chase Bank branch. 

My personal banker saw on his computer display that my debit card did, indeed, have a cancellation alert in bright red letters. Neither he nor I could understand why my wife 's debit card has no such alert, even though it went through the exact same replacement and re-replacement process. 

I believe that whoever arranged to have the same-account-number cards sent to us caused my wife 's new card to remain valid until its XXXX expiration date, but neglected to permit my card to be used beyond yesterday. Yesterday, it turns out, was the date the non-chip-bearing card would expire had I ignored Chase 's XXXX 2015 letter. I did not ignore it. 

Apparently the " system '' still thinks I am using the no-chip card when, in fact, I am carrying a now unusable chip-bearing card. 

Without borrowing my wife 's valid card, I am unable to withdraw cash at an ATM nor make any purchases. 

Chase refuses to override its " system '' and no XXXX there is able to think outside the box. 

This is absolutely the worst customer " service '' I have ever experienced anywhere. 

Can you help straighten Chase out?

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Using a debit or ATM card

Complaint: Bank of America has refused to fairly consider a claim for unauthorized use of a debit card for XXXX transactions at a merchant where other authorized transactions have occurred. Each unauthorized transaction was processed as a " credit '' transaction ; no PIN was involved. The merchant has a video of the perpetrator who used the debit card and can confirm that the person depicted in the video is not the account holder. Bank of America has not contacted the merchant as requested and Bank of America refuses to compare the signatures of the unauthorized transactions to other authorized transactions with this merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit card protection / Debt protection

Complaint: This is not a duplicate case. Please escalate this to a supervisor or manager. Here is a copy of my complaint submitted to the CFPB. 

RE : Capital One Spark Business Credit Card. 

1 ) My credit card issues rewards 2 %, There is no record of redeeming any rewards ever, and my rewards balance is XXXX. When I contacted Capital One about the rewards, the ignorant person did not understand the problem. Capital One has stolen my rewards. I am missing a few hundred dollars in rewards. 

2 ) I told capital one that they merged my personal bank account with my business bank account and they have different tax ID numbers and they refused to separate the XXXX accounts. They are currently merged. I told capital one that XXXX tax id 's should require XXXX separate username and passwords and the ignorant customer service did not understand the problem even when I requested to escalate the problem. 

3 ) Capital One has not changed their Customer Service system and it is impossible to contact anybody for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: Someone is in the process of stealing {$900.00} from my checking account from ACH XXXX XXXX Card. Bank of America told me because the payment is still processing there is nothing they can do until the payment posts to my account. Which is 3 to 5 business days. So my account is over drawn {$350.00} until the payment posts!!!!!! Then I can finally make a claim. They wo n't even start the process until the money is actually stolen instead of stopping it before it is gone. This does n't make any sense to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My loan for our XXXX XXXX is a mess. Payment is {$270.00} per month and all payments have been made. Until XX/XX/XXXX which we became late due to my injury. In XXXX I get an email statement for over {$1000.00} ( should be less than {$600.00} ) and these XXXX report to the the credit bureaus I am 75 days late ruining my 730+ FICO score. This is the second time they have tried to accelerate the loan. Looking back on the history payments have been misapplied. I am not the only who has complained about Capital Ones horrible business practices. For being 1 month late they have ruined my credit and charged me the equivalent of 4 months payment ... Yet according to their Website I have never incurred a late fee????. Things are now fine Income wise ( back to work ) as of XX/XX/XXXX. I paid the XXXX payment + 100 extra I plan to pay the XXXX payment by the end of XXXX. By my calculation I should be OVERPAID. Yet according to Capital One I will still be over {$400.00} behind due to their unwarranted escalation From what I have seen in complaints I would say this is standard practice ruining people credit so they cant get a loan to refinance to get away from this XXXX. This way they can keep you on the hook and bleed you dry.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I ordered a gift from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) using my credit card. The order number was XXXX and the amount was {$52.00}. I received a letter fro the credit department at Equifax Cred Inf XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) that the order can not be processed because I have a credit freeze on my file. Given the breach, I am concerned on why a credit check and why this company? I have written XXXX XXXX to cancel the order and remove me from their records. Please help - is this legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Ability Recovery Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt had been fully paid to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX unkown social security numbers on my credit report that I do not recognize. There are also a alarming number of accounts that I did n't open.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (Conventional home mortgage) with NEW YORK COMMUNITY BANK (NY).
Issue: Trouble during payment process

Complaint: We had a mortgage with New York Community Bank for almost 27 years. 
It is almost paid off. Throughout the years I have been back and forth with NYCB regarding my escrow account. I wanted them to do an audit as I explained there had to be an overage each year. 

They said there was no overage and they already looked at out account. This year the mortgage was sold to XXXX ( XXXX XXXX XXXX XXXX ) I called them during the transition and explained my concern. 
They said they would audit it and they did. We received a refund check for the 2017 escrow overage amount {$1300.00}. 

I want to request NYCB to investigate my mortgage account and refund all overages due. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: To whom it may concern : I am writing because 2 weeks ago I spoke with a Representative who informed me that my late fees ( over {$700.00} ) could not be retracted. The problem is that I was awaiting paperwork that was never sent. After speaking with the representative she informed me that my account was set-up for 'online ' and she apologized. My concern is that I was receiving other correspondences from Navient so how all of a sudden did it stop? She could not answer that. The end result was that I would incur the over {$700.00} in late fees and any other fees deemed to my account. 

I am a part-time working mother who makes {$20000.00} Per year at best. I am currently completing paperwork for an Income-Driven Repayment schedule. I have had difficulties been repaying these loans due largely to my son 's XXXX   XXXX that has caused him to be in the hospital several times and requires me to be readily available to his school. This has hindered my financial capabilities immensely. 

I have worked in the XXXX XXXX XXXX fields my entire career and I have not been able to live and afford these loans .... meaning my degree seems not to have benefitted me a great deal. I have been trying to do the right thing by keeping up with not going into default but for Navient to charge me continuously outrageous fees is unfair especially in this case because I was not at fault. 

It's so hard for working parents and ten times as difficult when you are raising a child with XXXX. I am requesting that ANY and ALL late fees be removed from my account. 

Please let me know of the findings and result after your investigation and decision. 

Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (MN).
Issue: Loan modification,collection,foreclosure

Complaint: This will be the 3rd or 4th complaint from me towards US Bank. This matter is still not resolved ... .I have had it. I have continued to maintain the property for two years, they have had a valid offer for over a year and they still have not made a decision. I am not going to continue keeping up this property. When I stop, this house will rot. It is in a bad area. They are so fortunate they even received an offer and that the buyer has hung on this long and now they will lose this buyer. I really do n't even know what to say anymore. Absolutely ridiculous.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I received a notice from NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING dated XXXX XXXX, 2017 about a loan consolidation loan program. 
I believe that NAVIENT is a debt collector trying to misrepresent that they are licensed and have the right to offer such consolidation program without notification that I have the right to dispute such an alleged debt in it 's entirety. I have no knowledge and consent to contract to such debt collector without disclosure of the nature of their business and authorities to offer such loan program.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I just read an article in XXXX about Navient telling customers their only option is forbearance instead of an income based repayment plan. That is exactly what happened to me. For OVER three years, I was told there was only a forbearance option for my loans. That is over three years of interest that was needlessly incurred without any debt reduction. I am furious that I was not told about any other payment plans. I was told I could pay a high monthly amount or go into forbearance. I chose forbearance, because my XXXX XXXX husband and I could not afford the high monthly rate on his income. I was unable to work due to our continuous military moves, our baby, and his XXXX. I am now in XXXX school and when all is said and done, will owe over {$120000.00} in student loan debt. That means, I will have to use my ENTIRE salary to pay an astronomical payment just to pay off these loans that were supposed to help our family improve our quality of life. I will have to work for 5+ years just to pay back all of this debt, some of which was unnecessarily incurred due to Navient 's blatant lie about one high repayment option or forbearance.

Company response to consumer: Closed with explanation