milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with PRACTICAL VENTURES, LLC. (TN).
Issue: Charged fees or interest you didn't expect

Complaint: I received a loan from them 3 years ago! I paid faithfully {$75.00} twice monthly for 3 years which comes to an estimated cost of {$3600.00}. The loan was {$420.00}! I told these scam artist that I could no longer afford this loan and I have paid this loan in full over the course of 3 years. I would go in to pay and give them {$500.00} cash and they would return {$420.00} to me. In the first year of this loan the ladies XXXX and XXXX would only take the {$75.00} fee and a new check. The last two years I would give them {$500.00} cash and a check written for {$500.00} and they would give me my own cash back of {$420.00}. I asked the ladies to help me that I could not continue to do this SCAM WITH THEM FLIPPING MY OWN MONEY $ $ $ . They threatened me, called my phone and my family 's phone and employers phone all day long. HARASSED EVEYONE VICIOUSLY!! They then filed papers against me with court date in TN to garnish my paycheck in AR where payday loans are illegal. They also used two different attorney office XXXX XXXX XXXX AND XXXX XXXX XXXX IN AR! I live in TN!! XXXX AND XXXX BEFRIEND YOU AT AAA CASH FAST AND THEN WHEN HELP IS NEEDED THEY TURN INTO SPAWN OF XXXX!! XXXX AND XXXX YOU TWO ARE SCAM ARTISTS AND I HOPE YOU SLEEP WELL BY THIS SCAM THAT YOU HAVE YOUR HANDS IN. GRACE AND MERCY TO YOU BOTH AND I KNOW THAT YOUR BILLS ARE NOT BEHIND ARE THEY!!!?? AND YOU ARE NOT A BBB BUSINESS ; YOU ARE XXXX MONEY SCAMMERS!! Be BLESSED AND LORD HAVE MERCY ON THE SEEDS YOU HAVE PLANTED!!!
Sincerely, GET YOUR MIND RIGHT-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MO).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: XXXX XXXX, XXXX Citibank, NA XXXX Box XXXX XXXX XXXX, SD XXXX XXXX simplicity Account ending in XXXX. 

To whom it may concern : Regarding my recent late payments in relation to my medical issues. 
I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered.Your understanding is kindly appreciated. 

Respectfully, XXXX 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 04-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo has been playing games with my mortgage and my home now for a year. We first agreed to a Deed in Lieu. I signed over the home and vacated like they requested. The date they requested there was not a lien on the house but because they dragged their feet with recording - the HOA placed a lien on the house. However, I was never told the title never recorded. Meanwhile my credit was destroyed and the home has XXXX HOA liens and Wells Fargo still has not taken title and now claims they have reneged on the DIL. Now they are harassing me for the mortgage payments. I moved back in the home and have been asking to work with them on a modified loan but they refuse to help me. They call me XXXX to XXXX times a day yet no one will speak to me about a loan modification. I am certain they are just looking to rack up fines and fees so they can be reimbursed by Fannie Mae or whatever unethical business practice they are up to. They have destroyed my life and continue to do so. I just want to stay in my home and pay my mortgage but I need the to work with me. I would n't even be in t his mess if t hey had just recorded the DIL when they were supposed to. They are so unethical I can not believe they can get away with such fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I was called by my mortgage company telling me I was late making a payment and asked if I would like to do so over the phone. I could not understand why they would be calling since I have automatic withdrawal from my account bimonthly. I was unable to discuss the situation then being that I was in a grocery store. When I called back I found out that XXXX of my bimonthly payments was being applied entirely to the principal and that I was getting late fees because naturally the required monthly mortgage payment was not being received. My mortgage was with Greentree when I initiated the bimonthly payment. I was told that Ditech acquired the mortgage and that everything would remain the same with Ditech as it did with Greentree. That is not the case. When I initiated the bimonthly payment with Greentree, it was not the amount that Ditech started to withdraw from my bank account. When I called and asked about this I was told that loots of things happen when mortgages are purchased. I now am watching to see if the late fees ( more that one month ) and the payment is being applied to the mortgage and not the principal. I also learned that although I have the first of the bimonthly payments taken out of my bank account, it is NOT applied to my mortgage. As stated on my statement, the money is listed as " funds in suspense ''. I thought the payment was being applied to the mortgage not being held until the balance for the month is received and applied. So the first half of the payment is taken from my account and held " in suspense '' in an account at Ditech where I am certain it is earning them interest yet it is not applied to my mortgage whereby lowering the interest accruing on the mortgage. Can they really do that? Also, they now say I can have the PMI removed, however they are requiring me to have an appraisal with XXXX of their vendors to qualify to remove the PMI. I though PMI was to insure that they would receive payment not to insure the value of the home. Why am I being made to prove the value of the home to get rid of an insurance payment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My home was flooded twice ( XXXX and XXXX 2016 in which I asked XXXX for their assistance. I wanted help to make my payment and to avoid any derogatory information placed on my credit report. On XXXX XXXX, I called XXXX for assistance again so I could finish paying contractors to more back into my home. XXXX told me to pay XXXX and the next payment would be due XX/XX/2016 but I only had XXXX to spare. I asked several times would it affect my credit report because hey were mainly concern about the payment and not the customer. I made another payment in this manner and XXXX did not report a derogatory credit information. The payment was n't 30 days late yet which is why I continued with making the payment arrangement. If you are past due 1 day the robocalls start and they will call 8 - 10 times a day. Now I can not get a loan to finish repairing my home. DEAL WITH XXXX AT YOUR ON RISK!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received an alert through my credit monitoring agency stating that Receivables Performance Management placed a debt from XXXX on my credit report. I contacted the agency to gather more information. I asked company 2 weeks ago to provide me with debt validation and copy of signed contract. I have not received it. The debt was owened by amsher compassionate collections previously. The debt was deleted by amsher due to them not being able to verify the debt. The original debt was from 2016 but it was listed as a new debt on my credit report by receivables performance management

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX in XXXX XXXX, TX. failed to render aid in a housing crisis of backup sewage and water leaking all over the floors. I gave notice of needing help, and they told me to leave my rental keys in the mailbox and leave. They sent me a bill when I asked for my deposit in return after getting my children to a safe new location, they stated I owed over XXXX in fees for cleaning and damages, when in fact I do not, and the only damage was their water and sewer leaks. Today XX/XX/XXXX I  received a letter from a collection agency XXXX XXXX XXXX XXXXstating I owe this money when in fact we argued with XXXX XXXX XXXX in XXXX XXXX TX. per email and no response was ever given after contact XX/XX/XXXX, I do not owe this money and my deposit was never returned to me, the landlord has failed to reply and underhand turned over no legitimate debt illegally to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient, has never offered any solution into lowering my student loans currently totaling more than XXXX dollars making impossible payments with no forbearabce option, no income driven ( currently unemployed ) and putting payments to their convenience. As i was trying not to affect my cosigner they would apply payments to higher interest payments and would deny in the past the possibility of a cosigner release even when i had all the requirements. The amounts do n't go any lower and my work condition worsens as i studied in a for profit XXXX XXXX which also cheated on my expectations for my future. Basically ruined my future

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. Trans Union is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX  and the disputed companies that the inquiries would be removed.

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 08-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Mortgage is reporting loan as Adverse on my credit bureau. I have been current for 7 years and I submitted a dispute with the credit bureau and Chase did not do change my loan to a positive status affecting my credit score. They have not updated my credit report since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit card () with KEYCORP (MI).
Issue: Late fee

Complaint: Two recent payments made to my KeyBank Latitude MasterCard account ending in XXXX from XXXX BillPay service were classified by Key as late, despite XXXX 's confirmation that the payments arrived before the due date. KeyBank charged late fees in the amount of {$27.00} and {$37.00} as a result. 

The first payment was in the amount of {$62.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

The second payment was in the amount of {$89.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

In both cases, the 11 day delay imposed by KeyBank on crediting the payments resulted in the payments being considered late for their respective billing periods. 

XXXX confirms that the address the payments are being sent to is : XXXX, OH XXXX This address is identical to the the address I was instructed to use in KeyBank 's letter to me dated XX/XX/2016, following a similar issue involving late-to-post payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Portland Credit Inc (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Portland Credit Inc, also known as Fidelity Collections took exempt funds from my HSA ( Health Savings Account ) and charged a fee for doing so also. In the state of Oregon, HSA accounts are exempt accounts. I submitted a complaint regarding this and also attached my HSA statement with the complaint however XXXX ( the collector ) still refused to honor it and demanded that I go to court to have a judge determine that my funds shouldnt have been taken. I went to court on the XXXX of XXXX 2015 and it was determined that ALL funds must be returned to my HSA account including the erronious fee charged for taking the funds. I still have not received my funds back and I have given ample time for them to comply. I am still being adversely treated by this company and I need those funds to pay for my childrens medical bills. I am also losing interest on my funds not being in my account. Not only has XXXX incorrectly handled my account by not providing federal disclosures or properly verifying my identity when I called before discussing detailed debt information, she has purposely witheld my funds even after being made aware that the funds are exempt and required me to lose wages by having to go into court to show a judge what I 've already provided in my initial CFPB complaint. She has placed a Lien on my property for a debt that is below the amount of XXXX dollars which is not at all how collection agencys treat people with debts. I not only have already had my personal information shared within that company due to my XXXX, but I have been also charged fees that have nothing to do with the debt itself. This company is being extremely and overly aggressive of my debt due to the fact that I have my XXXX and more than likely providing false claims and information about me to make them attack me more aggressively than any other person they are trying to collect a debt from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Payday loan, title loan, or personal loan (Title loan) with MARINER FINANCE, LLC (IN).
Issue: Struggling to pay your loan

Complaint: On or around first week of XXXX I notified personal finance company of my situation and stated that my husband was just diagnosed with XXXX and that I would be required to stay home and be full-time XXXX  and I was reaching out to see if there was any kind of additional emergency type of qualifications I could apply for it to help me through this difficult time to make sure I stay on track with loan. I was told very quickly that there is nothing offered for any emergency situations or life changing events that alone must be paid can not be late or they would have to come and get the bike that the loan was against and sell it that my only choice was to have them redo the loan and have me get caught up and sign it well by XX/XX/XXXX I was told that was my only option I have to sign another loan agreement during that time I was overwhelmed with the news of the XXXX with my husband the seriousness of it and I felt like I was taking advantage of emotionally being coerced to sign a document as my only option. Since this time I have once again falling behind the acceptable amount of time before I'm getting calls and threats of taking my property once again I explained for the third time that my husband had XXXX away XXXX XXXX and then all I'm asking for is a little bit of time so that I can obtain the money from the estate to try to get back on my feet but until that time I can not give them a for-sure answer when I can pay I kept in direct communication with everyone during this hard time and what I thought was the light at the end of the tunnel was not a gentleman I spoke to said he was going to look over my loan and see if there was anything he could do and I said that's all I want just see what you can do you know all I could do is tell you the next week or two I'll figure out something okay I got off the phone with him then today XX/XX/XXXX I was called by XXXX XXXX who said he needs a payment today or they will come and take the bike I literally was shocked by how I was treated and talk to during a very hard time that was beyond my control he said I signed a loan agreement and I have to honor it so I told him I would do what I need to do to complain or be heard by someone else other than him and he said he will do what he has to do so now I worry that someone is going to bang on my door take my bike or traumatize me further all I want is for somebody who has compassion and ethics to review this matter and stop any inhumane things from happening to me during this time thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have attempted to contact the credit bureaus on    XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would provi de proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus

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 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've called and sent a letter to TransUnion about inaccurate inquiries on my credit report. Every time I call, I 'm told they will be on my report for two years and that any company can put an inquiry on my credit report. I then informed them that I 'm aware that you should n't be able to put an inquiry on my file without me authorizing it. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; A firm offer of credit, insurance, employment and or court ordered. I 've received a letter today stating the inquiries will remain on my credit report for two years. I did not authorize these inquiries as to why I 'm disputing them.

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 05/27/2016 about Debt collection (Medical) with Financial Corporation of America (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Robocall from XXXX asking for payment of medical bill for my deceased mother-in-law that has been paid to XXXX XXXX Hospital, XXXX, Fl.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Student loans are reporting late when they have always been on deferment..i have disputed with the bureaus and all XXXX have just ignored my dispute stating it is reporting correctly. I have a letter directly from fed loan servicing stating deferment and forbearance dates and they prove i should never be reporting late. Letter states beginning and ending dates of all deferment and forbearance on my accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation