milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. Ad Astra is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with XXXX XXXX have received the bank statement months ago and refuse to make knowledge of such. Ad Astra provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello, I have been a Federal Government employee for the last 7 years and after paying towards my student loans during this entire time, I recently found out I was not eligible for the  Public Service Loan Forgiveness Program b ecause not all of my loans were Direct loans ( many are  Federal Family Education Loan Program l oans ). I was told years ago that as long as I was paying towards my loans, they would be forgiven after 10 years. I submitted the certification paperwork this year but have not received a response from the Department of Education despite submitting this information months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am a cosigner for my son. I have a good credit rating so I am making sure the loan is paid. I do n't deny payment is due but the phone calls are out of hand. I will get a call every hour, sometimes no one is there when I answer. They continue calling until XXXX Today, XXXX/XXXX/XXXX, I spoke with a customer service representative at XXXX central time and told her I would pay the amount due on Friday, XXXX at XXXX central. She wanted me to post date the transaction. I told her on XXXX separate occasions I had done that only to have them process the transaction immediately, causing problems with other payments and would not be doing that again. She supposedly made notes to my account stating the arrangements made. Literally XXXX minutes later I received another call from Navient requesting payment. I told the rep I had just made arrangements. There was nothing showing in file. We went through the whole post-date conversation again. I have tried to get assistance on some of the forgiveness programs but since it is private we do n't qualify. We have been paying on this loan since XXXX and have only dropped the balance by {$3000.00}. I would love to find a way to refinance and get away from Navient. I do n't know if they have internal communication errors or if they are just bullies but I am not a satisfied customer. Also, as a cosigner, I get a call when the payment is late but they want the next months payment at that time too. I refuse to pay it before it is due. I hope this is not the general practice of all student loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have a  Mastercard Account issued by Comenity Bank. This Comenity Bank Mastercard  is co-branded with  Gander Mountain and routinely advertises promotional financing for purchases at Gander Mountain stores. Recently Gander Mountain and Comenity have been advertising a promotion where purchases over {$990.00} would have deferred interest for 12 months, and be interest free if paid in full before the 12 month period expired. This promotional financing rate was prominently advertised by Comenity Bank on my Comenity Bank statements, as well as online and in-store by Gander Mountain I made a major purchase at Gander Mountain on    XXXX / XXXX /  XXXX   for {$1800.00}. I made written contact with Comenity Bank on  XXXX / XXXX /  XXXX   after receiving a statement where the promotional financing rate was not applied to this purchase.  Comenity replied that there were investigating the dispute and would not charge me interest in the meantime. I contact Comenity ag ain on  XXXX / XXXX /  XXXX   and received the same response - they were investigating.   As of  XXXX / XXXX /  XXXX   I still have not received any response on the status   of Comenity 's " investigation, '' however, Comenity has assessed me a finance charge of {$29.00} even though my outstanding balance consists solely of items purchased at this promotional financing rate.
I have had this same issue with Comenity with three prior purchases - where I made a purchase under a qualifying promotional purchase plan, but Comenity   still assessed interest. I have received excuses that this was a " mistake by the clerk who entered the purchase, '' or a " billing irregularity. '' Given the frequency this is happening and Comenity Bank 's slow response, I am concerned this may represent a purposefully deceptive business practice where they entice purchasers with advertised promotional financing rates they do not intend to honor. As I have been unable to resolve this issue with Comenity Bank themselves, I am hoping CFPB can assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2015 about Mortgage (VA mortgage) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home ; we paid the principal and interest for XXXX, XXXX and XXXX ; we went into escrow in XXXX so did n't pay the XXXX mortgage payment ( closing escrow today ). The payoff information Loan Depot provided includes interest for XXXX, even though we already paid it. I am trying to get them to see that this is XXXX payment. The representative I talked to said we were paying the principal and interest in arrears, but that is incorrect : we always pay the principal in advance - industry-wide practice. Thus, they did n't bill us for the XXXX principal but just for the XXXX principal and interest AND XXXX interest. When I called two weeks ago the woman I spoke to agreed with me and promised a corrected closing information to the escrow company but it still included the XXXX interest. This is over {$500.00} and a burden to senior citizens so I want the money back. Can you 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 04/27/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I applied for a construction loan from Wells Fargo. I was told that the transition from the construction loan to the conventional loan was relatively easy and straight forward as long as the home was completed within XXXX year. During the initial application process Wells Fargo kept asking for the same information and updated information since they had lost data and other data had expired due to their delays. The initial closing date kept moving out and I felt it was too late to start over with another lender. When I went to close on the construction loan the rate was 5.15 % interest only instead of the discussed 5 %. When the house was completed and I wanted to switch to a conventional fixed rate 30 year mortgage Wells Fargo delayed every step of the way. They had only XXXX people in the whole country for construction loans despite being the largest lender in this market segment. XXXX of the customer service representatives left and the remaining customer service rep was completely overwhelmed. Documents were lost and communication was absent. The delays on the Wells Fargo side triggered new demands for documents as previous documents had expired. The title and appraisal was incorrect which caused additional delays. The entire mortgage process was an unprofessional mess and costly in terms of time and money. The part that bothered me the most was that every time Wells Fargo delayed the conventional closing they made more money. The interest rate on my conventional loan was 4.625 % which included interest and principle vs 5.15 % interest only on the construction loan. Every mistake and delay caused by Wells Fargo cost me time and money while improving their profit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a dispute to Experian on  X/XX/17   , for reporting inaccurate information on my report. I stated that the debt does n't belong to me and I also do n't have a contract with the collection agency verifying the debt is mine. The amount of the collection is {$1200.00} from    XXXX   XXXX   XXXX   XXXX  .  Account #  XXXX . The dispute has come back  3 b usiness days letter,  X/X/17   , stating the account was verified. I am positive that Experian did not reach out to the collection agency requesting verification of debt and received a response within  3 busi ness days. They also did not provide physical proof of what was used to verify the debt.

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 02/24/2017 about Credit reporting () with TIDEWATER FINANCE COMPANY, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Tidewater Finance Company reported large late fees to XXXX and XXXX even though they had agreed the said charges were in error.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In short, Myfedloan.org misrepresents the amount owed on a loan on it 's website. When looking at " payments and billing, '' the total loan balance is shown. However, this balance is not truthful- it does not include the accruing interest. So, my balance showed {$220000.00} for 6 months while I was making XXXX dollar payments every month, thinking this was covering the entirely of the accruing interest, given that the balance was not changing. However, my payments were in fact not covering all the accruing interest. Suddenly, the next month my principal jumped up {$15000.00}, because there was hidden interest accruing that just capitalized ( per the explanation of the phone representatives ). As a result, even though I paid {$18000.00} on my loan over 12 months on my loans, my principal actually went up to {$230.00}, XXXX, a net increase of {$10000.00}. This is not truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Application, originator, mortgage broker

Complaint: I had for the last 12 month been receiving correspondence offering a refi with the company that holds my property mortgage, Nationstar Mortgage. I called to inquire and was told that although I had received the mailing I was not eligible for the offer to refi. Several months passed and I continued to receive additional offers. I called back and was told that I was in fact eligible and was transferred to a licensed specialist whom proceeded to ask me a series of questions. She determined based on my answers that I was eligible. She asked if she could pull me credit report and I told her I first wanted to know what type of rate and product she could offer me. The representative quoted me rates of " low to mid 3 % for the same 30 yr fixed product '' based on me telling her my credit score was over XXXX. I was EXTREMELY clear that I only wanted her to pull my credit if those were in fact the rates she could get me. She assured me they were. After waiting on hold for about 30 minutes for her to pull my credit report she returned to the line to tell me that although my credit score was very high the best rate she could get me was 4.15 % which is essentially what I have now. I asked her what had happened to the " low 3 's '' she was quoting prior and she proceeded to tell me that " it does n't make sense for you to get that rate you 'd have to pay almost {$20000.00} at closing ''. I then asked if those rates she quoted included paying points which not until after the fact did she stutter and hesitate but did confirm that the rates she originally quoted included points. Had i known that information I would have NEVER authorized her to pull my credit. As a result I now have XXXX hard inquires on my credit reports which I have worked extremely hard to get and maintain. I was given misleading and incorrect information. I was baited for the opportunity for her to write a mortgage. I can not have the inquiry reversed and as result my credit score will drop. In this new environment one would think mortgage companies would exercise extreme caution when quoting rates and giving the consumer correct and ACCURATE information. Plain and simple I was lied to and am extremely upset. I left several messages for XXXX XXXX at ( XXXX ) XXXX whom is the representative 's supervisor only to not get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Discussed payment options with Hunter Warfield, Inc over the telephone on XXXX XXXX, 2015 regarding my debt. I was told by the employee that payment by check was not acceptable and I would only be able to pay by credit card with a {$14.00} processing fee. The company 's website does however state that payment by check is accepted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (RI).
Issue: Deposits and withdrawals

Complaint: I made an ATN DEPOSIT inside a Chase. Bank to a Chase account. I made the deposit in denominations of XXXX seconds, tens, fives, and was credit with only the twentys but XXXX of the tens and fives. The shortage of {$620.00} was reported to the Manager who called Customer Service. I was told that the credit would appear in 2 to 3 business days. I was making the deposit to cover a XXXX charge of {$1500.00}. I deposited another {$620.00} in my other chase account and electronically transferred it. The problem started when CS made the decision that the money was deposited into the wrong account although there was almost 2 hours between the ATM not recording my deposit and the second deposit to balance my account. I explained this to the young lady in XXXX plus her Supervisor who could not tell me when the machine was calibrated or checked for error. I was told by the Manager at the branch that the Technician had not serviced the machine. The CS person kept asking me why did I make the same deposit on that day. I was covering a XXXX payment. This situation has been going on for 3 months with no third party verification of checking the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report

Complaint: See CFPB complaint XXXX about BANK OF AMERICA MORTGAGE, submitted XX/XX/XXXX. 

XX/XX/XXXX Dear Bank of America ( BoA ) You messed up the paperwork in XXXX related to mortgages of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, which mortgages you handled on behalf of XXXX XXXX, leaving an outstanding $ XXXX lien ( attached ) that needs to be promptly removed as it is holding up the sale of said property ( see attached sales contract ). We ask you to immediately do so, as your failures are causing our family real and irreparable harm. 

Your continued disingenuous statement that you can not fix the problem, which you admit you created, because you no longer service the mortgage, can not be asserted. As of last week XXXX applied for a Bank of America refinance, which awaits your approval. You have no excuses. 

Moreover, your nonresponsive response to our XX/XX/XXXX CFPB complaint says you need a special email address to address the complaint! What exact email address do you want us to dig up from the XXXX to be to your satisfaction? 

You confess to the CFPB that no contact has been made with XXXX XXXX XXXX! Wow, thats an admission of guilt, like nothing else. She has repeatedly, by phone, in person ( at the XXXX XXXX BoA branch where she signed the HELOC papers that you messed up ), and in writing, reached out to you begging you to fix this problem, all to no avail as you ignore and dismiss her and her authorized representatives. Among others, XXXX XXXX XXXX in the BoA regulatory department is unresponsive to repeated voice messages left by XXXX. 

If you examine the title report ( attached ), you will see that the original two mortgages were A and B. Then Bank of America added mortgage C, a HELOC in XXXX. Next, BoA completed a modification/consolidation, mortgage D ; but you did so by consolidating A and C, instead of A and B! That left the lien of mortgage B outstanding. You admitted clearly on a recorded line your fault : the problem is that mortgage number two was not included on the consolidation. You are killing us. This needs to be fixed yesterday. You will kindly fix this immediately and contact me and XXXX XXXX ( cell XXXX XXXX XXXX ), letting us know that it is completed. 

A very redundant 3rd party authorization form is attached. 

Respectfully submitted XXXX XXXX

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via XXXX. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting screwed. When will you do something about this?

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 03/28/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I received from the Bank of America a XXXX card that I did not ask for and did not want. Went to the Bank office here in XXXX Ca. where I asked for an explanation and what I got was insistence that I should keep the card regardless if I wanted it or not. The argument lasted over half houer because the XXXX put me on the phone talking to someone that also insisted that I keep the card, I was getting very aggravated when finally he had the nerve to ask me if I had other accounts with other banks, I responded that it was none of his business.

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