milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a parent co-signer on my children 's student loans with XXXX, Navient and the XXXX. I want to pay down principal but ALL of them refuse to apply the extra payment to principal. I sent written instructions to XXXX twice and they ignored them. All of them apply it to the next payment. I sent an email to Navient and they sent me a generic " how they apply extra payments " with NO instructions about paying down principal. I 'm so tired of hearing about people in default. We want to pay it off sooner and all of them are blocking us from doing so. I believe this is intentional. 
If you could help me with this, I would appreciate it. If not, I 'll contact my Senators.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.

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 05/22/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (UT).
Issue: Closing on a mortgage

Complaint: I received a 10 day pay off. The payment closing payment was received by the company about 4 days early, and all numbers magically balanced to  XXXX . They did move some  to Escrow which they paid out as expected. I know that they will write off a min amount if they are owed but did n't think if they owed me that they can just make it  XXXX . I made two calls to them to get this resolved and they just kept saying it was correct. The second call they said they would progress it to another department but I have n't heard anything in 2 weeks . I do n't think this is legal for them to just keep money owed even if its  XXXX  dollars. In both calls, neither rep to explain how they got the balance as  XXXX  other than it was right. I 'm pretty certain they are just keeping extra money from alot of loans at closing and either customers arent paying attention or they are willfully frauding them. The details in the payment history just dont add up to Principle/Interest/Escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Vehicle loan or lease (Loan) with CarMax, Inc. (LA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I purchased a car from CarMax in XXXX of 2016. I had come into some financial problems which caused me to get behind with my payments. So they were going to repossess the vehicle unless I paid them in the amount XXXX. So I made two payments for the amount of the XXXX, but they closed my account and charged the account off. So I asked them if I made the payment would it cause my account to go back into the current status and they told me no. So my account has been charged off and I still have the vehicle and they are making me pay the monthly payments of XXXX each month. So I feel that they have already received payment in full when they charged off the account but they are charging me and they are getting double payment on a vehicle that I still have.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Taking out the loan or lease

Complaint: I refinanced my car loan with navy fedral. I signed all the required docments that was sent to me. my car payment went from XXXX to about XXXX. I was XXXX the military. but then some how my payment went from XXXX to XXXX i did n't notice the change becuse i was XXXX. when i got back i noticed it and i asked why my payment went up. they told me i was surpose to add Navy fedral to my tile which i did. i was told they will change my payment back to what it was before and i would get my retro back pay the three years that i was XXXX. but it never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My job ran a credit report that included my date of birth and it brings up someone with same name. This person was convicted of " delivery of XXXX " in 1998. I just got XXXX so because of similar last names, I now have no job. If they run my social security number they will see that this person is NOT me.

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

Complaint: Equifax had a security breach which led to 140+ million Americans at risk of credit fraud. This can only be because of inadequate security measures taken by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received an alert that a new account had been added to my report via XXXX XXXX. The new account being reported is Midwest Recovery Systems. 

This account is not mine. This company violated the California FDCPA ( XXXX Fair Debit Collection Practice Act ) by reporting false information ( not my account ) and by Not sending a dunning letter before attempting to start collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX XXXX, XXXX, I was tricked by XXXX to take out an online auto title loan for XXXX} with a XXXX XXXX  interest rate for XXXX years. I was told over the phone that it would be XXXX XXXX APR but they never disclosed that was a monthly rate. Over the past XXXX months, I have given them over XXXX} and I still owe them XXXX}. I called them to dispute their illegal business tactics but with no luck. They did offer to lower my rate to XXXX XXXX but I would have to borrow XXXX more and extend my loan to XXXX  years. How are they still in business this has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Student loan (Federal student loan servicing) with MOHELA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, I am filing a complaint against my federal student loan servicer, MOHELA. My student loans have been serviced by MOHELA for a number of years now and I have consistently made my payments which has recently increased to {$780.00}. When I enrolled with MOHELA for online payments, I provided my cell phone number as the means to contact me and I have not changed that number, nor have I given MOHELA any indication that my cell phone number was not the best number to reach me at. I have called MOHELA from that number, as well as received calls from MOHELA from that number. On Thursday, XXXX XXXX, 2016, when my loan was only 21 days past due, MOHELA call my in-laws and left a message about my student loans at their residence. Of course my in-laws immediately called my husband to inquire as to what was going on and whether my student loans were behind, which is clearly none of their business. I immediately called MOHELA and spoke with a representative. The representative indicated that while my cell phone number was still listed as the primary number, that my in-laws phone number had been added through skip tracing. I was horrified that MOHELA would have gone through skip tracing measures on a 21 day delinquent account and when there was already a good number on file. I have never lived at my in-laws address, nor have I ever been associated with their phone number. I am in-house counsel at a mortgage company and I understand fully how this process works. My situation did not warrant the measures MOHELA took. MOHELA has violated the FDCPA by communicating with a third party about the collection of a debt without my consent. I demand that MOHELA pay me a civil penalty in the amount of {$1000.00} that I would be entitled to if I brought a civil action against them, which I would not hesitate to do. At this time, my student loans are current. The {$1000.00} can be applied towards my XXXX payment and the remainder towards my XXXX payment. I also demand that my account be coded to avoid any further skip tracing. Skip tracing is not necessary, the number I have provided is the correct number, and the status of my student loans is nobody else 's business but my own. I am a full time working mother and would like to avoid the need to pursue a civil action, but if this matter is not resolved as requested, I will not hesitate to file 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 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX sent a charge to a debt collections agency instead of contacting me directly. 

I attempted to pay my last XXXX bill after I rolled my phone number back to my parents ' family plan in XX/XX/XXXX. However, there was no charge listed on my account, which I checked online in late XX/XX/XXXX. However, T-Mobile still listed me as missing my last month 's worth of service and charged me, unbeknownst to me. They sent my account to a collections agency a few months later. 

XXXX never notified me of the charge. They said they sent it to my old address, which was my work address. My work forwarded all mail to me. XXXX said they called me. XXXX on the XXXX executive team said that XXXX had called me and left voicemails. I checked the date range where she said XXXX had called, and there were no voicemails from any XXXX numbers ( which XXXX said XXXX would have used to call me ). So there was no notice on my online account, no notice through phone calls, and no notice through written mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Application processing delay

Complaint: I filled out a application for Capital One on XXXX XXXX for Capital One they pulled my credit and then contacted me and said I needed to fill out another application that they did not have my social security number so I reapplied and another credit report was pulled. XXXX has already fixed the problem. XXXX and XXXX need to remove XXXX of the hard pulls each like XXXX did. It was Capital One Fault that this occurred. The records will show this. XXXX is on the reports according to XXXX. 
Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this directly with Equifax as well as submitted more than XXXX or XXXX complaints through CFPB but no one does anything. I 've submitted police reports, Grand Jury Indictments, Victim Status Reports when the offender who stole my identity was sentenced. XXXX XXXX and XXXX were a pleasure to work with. Equifax and CFPB have one excuse after another. Neither respond, neither consider any of this a priority! This has been going on since 2010, so I guess you just want me to wait till next year when it falls off on its own. Please assign this to a Department Head and Manager. I DO NOT want a supervisor looking into this case again as its gone no-where. Thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Other banking product or service) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Every month City of XXXX give me a check to pay for my services, the check is from their account at BBVA compass Bank, today I went to change my check # XXXX amount XXXX under my name XXXX XXXX and the cashier told me that there is a fee to do it because I dont have an account in this bank, XXXX dls fee for a Non-BBVA compass account holder check cash policy, when I ask for a tax receip they give me a flyer, obviosly i ask for a tax receip and they denied to give me one, and I cancel the transaction, Is legal to them to do this, charge you a fee and dont give you a tax receip?

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I do not have a contract with XXXX XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Hope you 're well, to whom it may concern, Earlier this year in XXXX and XXXX, I failed to make my monthly payments on time, I apologize I did n't have enough money to pay on time and also I did n't understand the impact of this as this my first credit card as I 'm learning the importance of it now. Please see the picture attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: It was on XX/XX/XXXX That we suddenly see few returns from PayPal. Returns belong to one of our old customers that we know him well. This customer was buying from me from XX/XX/XXXX and during these years he bought over XXXX dollar from us. I text the guy that what happened why you start asking your money back? I was angry. He said he have no knowledge of that. He checked his account and saw PayPal block his account and from us returned {$3600.00}. He just returned from travel and he was shocked of what happened. 
I and he called PayPal for reason they said they have future activated in all business account name friend and family and they said he send money from that future and he did n't use conventional way. I told PayPal the guy just come back from long trip and most likely his associate did this out of lack of knowledge.interecting is this future in business account is illegal and since our business account is connected to our business banking having this future is kind of promoting money laundering. I told that to PayPal that our business banking not suppose to have this future from first place and if PayPal is bounded to government must know that you cant connect our business banking to personal purchase and if IRS find out they will penalize XXXX but they said this is fine. I told them I want to close this future permanently they said you cant but we can do from our side and after few days on phone back and forth they did. Hopefully for us not for many many many other account that they have. I ask them what happened to my money they said we will return to his account and he have to return it to you. I told them you block his account and currently he find better business and is not in this business any more. Only respond I heard was nothing, These people using illegal futures to still money, we sold the merchandise to customer and we thought we receiving correct money but we find out its not, you might ask you can see this comes from friend and family that 's your fault to accept my answer is you can come and check all out print out from PayPal it do not say any thing that how this money got here. Some thing rotten going on in PayPal and they start stealing money appreciate you look into it and publish it maybe some other poor customers like me get to gather and do class action maybe they could return their lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX, I opened a Citibank Account Package Checking account with a promotional offer of $XXXX.  If the qualifying terms are met, citibank was to deposit $XXXX as a promotional bonus into the account.  The terms included a direct deposit for two consecutive months, depositing $XXXX and maintaing that balance for 60 days.  The terms also state the the bonus would be deposited 90 days after qualifying terms were met.The following are dates of when the qualifying terms were met.  The terms were completed on XX/XX/XXXX.  90 days past that is XX/XX/XXXX.  I still have not received this bonus. Deposit $XXXX: XX/XX/XXXXDirect Deposit : XX/XX/XXXXDirect Deposit: XX/XX/XXXXDirect Deposit: XX/XX/XXXXDirect Depsoti: XX/XX/XXXXDirect Deposit:  XX/XX/XXXXAfter sending Citibank a secure message, they informed me that I qualifed for the bonus, but to wait 90 days after terms were met.  Because 90 days have already been met, I decided to contact Citibank by phone.  Once again, Citibank refuses to deposit this bonus and cites waiting 90 days after terms were met.  After explaining to Citibank representative that it had already been 90 days, citibank refused to honor their own promotion.

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 monetary relief
Consumer complaint received 12/27/2016 about Credit card () with JPMORGAN CHASE & CO. (IA).
Issue: Forbearance / Workout plans

Complaint: My husband, XXXX was seriously injured in an accident on XXXX XXXX, 2016. He is still recuperating from the resulting XXXX and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX XXXX XXXX XXXX, a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " Debt Settlement Company '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their Credit Counseling Referral Lines. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX XXXX. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Transaction issue

Complaint: On XXXX/XXXX/2016 at XXXX MST, a credit of {$2400.00} was issued to me by XXXX, XXXX, AZ XXXX, Phone number XXXX ( XXXX Invoice and credit card receipt attached ). The refund credit was made to Citibank VISA Signature Credit Card XXXX. Citibank customer service, on several occasion since XXXX, has stated that this credit card account does not exist in spite of the fact that I have the credit card in my possession with my picture on it ( copy attached ) and an email from Citibank dated XXXX XXXX, 2016 at XXXX MDT that states the card is activated and ready to use effective XXXX XXXX, 2016 ( copy attached ). 

Citibank ( via their customer service number XXXX ), has stated that there is nothing Citibank can do about this issue because the credit card account stated above does not exist at Citibank. They have also stated that any refund transaction coming in from anywhere would be rejected immediately because the credit card account does not exist at Citibank. 

I have contacted the XXXX accounting department ( XXXX at XXXX ) and waited the requisite 72 hours for the transaction to be rejected by Citibank ( XXXX stated rules ). As of XXXX XXXX, 2016, XXXX states that the transaction did go through and was processed and so there is nothing XXXX can do about my refund credit in spite of the fact they now have the returned merchandise ( and other merchandise that I never received ) in their possession. XXXX has stated that the XXXX XXXX XXXX XXXX batch number containing the refund transition is XXXX and that the transaction reference number is XXXX. The batch and reference numbers were given to me verbally by XXXX, but repeated back to her to ensure that I recorded the numbers correctly. 

So the problem is this : I am now out {$2400.00} and neither ( 1 ) Citibank who states my account does not exist nor ( 2 ) XXXX XXXX XXXX XXXX who states the transaction, in fact, did go through to Citibank, will do anything about this issue. 

Can you please investigate and get either Citibank or XXXX XXXX XXXX XXXX to send me a valid refund check in the amount of {$2400.00}. 

I am trying CFPB before proceeding with other legal remedies available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation