milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Consumer Loan (Installment loan) with M&T BANK CORPORATION (WV).
Issue: Problems when you are unable to pay

Complaint: This Lender was stopped from reprocessing my Vehicle ( an RV ), because I got them satisfied but they picked my RV earlier ( repo ) than they agreed, and in the process of driving/towing moving my RV they they ruined my RV. I got it back because it was drivable but ... I did not realize they damaged it so severely but they did ... .The wheel came off at XXXX MPH and destroyed the rear axle, I then SAID I DO NOT WANT THIS ITS RUINED They take it and have had it since XXXX, no auction yet they say its awaiting ( Fixed or Still Damaged ) They Send me this email..telling me I still owe the entire amount of the original contract on a vehicle they rendered worthless. Below is their email to me. No auction I want an almost as nice RV as I had before they ruined it, or all of my over {$30000.00} already paid to this Bank, and my credit rating corrected. 

Installment Loan Collateral : XXXX XXXX XXXX repossessed/at auction Status : charge off Good afternoon XXXX XXXX XXXX Please be advised that my records indicate this collateral was repossessed XXXX/XXXX/XXXX, and is at auction awaiting sale. Your current balance is {$31000.00} good through XXXX/XXXX/XXXX with a daily per diem of {$6.00}. 



Please contact me directly @ XXXX if you have any further questions or concerns. 



Thank You, XXXX Last name removed XXXX Last name removed XXXX XXXX XXXX XXXX XXXX XXXX Management Dept. 

XXXX XXXX XXXX XXXX N.Y. XXXX Phone # XXXX ext. # XXXX Fax # XXXX email : XXXXXXXXXXXX M & T Bank- '' Understanding What 's Important. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Student loan (Non-federal student loan) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Called on XXXX/XXXX/16 for a payoff amount on XXXX loans serviced by XXXX and was quoted an amount which I paid that day. Payment was posted XXXX/XXXX/16. Called back to verify that loans were closed and was informed that XXXX loans were still open. The loans that were open were the loans with the highest interest rate. Billing statements had a preprinted notice that any additional amount paid would go to the highest interest accounts first. Called back to ask about why loans were still open and was told that XXXX loans were over paid. Had I NOT called and asked, I would have had XXXX opens that were open with the highest interest. I should not have had to call and make this correction because of your poor systems.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MS).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I made a transaction with XXXX XXXX XXXX for XXXX cents, they charged me the XXXX cents and {$19.00} on my Debit card. I immediately contacted by bank Chase and reported the fraud. I also contacted XXXX XXXX and they reversed the charge. On XXXX XXXX Chase debit me the {$19.00} and then credit it back on XXXX XXXX stating they received the reverse charge from XXXX XXXX XXXX. On XXXX XXXX Chase re-debit the {$19.00} from my account, they said it was for review. This put my account in the negative by - {$4.00} and then I had a debit of {$12.00} which put my account in the negative to - {$16.00}. Then on XXXX XXXX they charged me {$34.00} for Insufficient Funds. I contacted Chase and they reversed the {$34.00} but has yet to return the {$19.00}. They say we assure you we have not taken your {$19.00}, but yet my account is still short the {$19.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2016 about Consumer Loan (Installment loan) with Bailey Automotive Finance Inc. (SC).
Issue: Shopping for a loan or lease

Complaint: I purchased a XXXX XXXX XXXX from XXXX XXXX buy here pay here in XXXX XXXX. According to there web -page application process they advertise Helping people rebuilding their credit. Not so, when asked if they report to the Credit Bureau I was advise no. Why advertise this This is deceptive and Abusive practice to customers who want a chance at rebuilding their credit No I have n't been on time, but let me believe is wrong. I want a refund of The payments I have made so I can work with honest people that wo n't lie tour To me. I would have never found this out if I had n't pulled my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/31/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While living in XXXX in early XXXX, I received a collection notice for a hospital bill for XXXX ER visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of XXXX for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in XXXX, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XXXX XXXX, XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so in XXXX XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XXXX XXXX, XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XXXX/XXXX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XXXX XXXX, XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: 13 months ago I set up automatic payments with Navient under a repayment plan that I could afford. This was working great or so I thought. The payments were set up to come out on the XXXX of each month, and they did. This continued on for a year ( I had to allow them to take automatic payments out for a year in order to obtain the payment plan I have and after the 12 month period was over I would start making manual payments of the same amount. ) Well, that year has come and passed now and I made my first manual payment. When I did this I noticed tons of late charges though.I had noticed this at the beginning too, shortly after I set up the loan repayment plan and I called Navient then too to inquire. The agent told me not to worry about it that it was a product of how my repayment was set up in their system. So I did exactly what he said and pushed it to the wayside, out of sight out of mind. 

When it came time to make my first manual payment I had to call Navient to figure out how I was supposed to pay it as the instructions they gave me were not lining up with what I was seeing. Through this I discovered that the reason it was not lining up is because these late charges were in fact NOT to be ignored, they were real and a result of how they set up my payment in their system. Because it did not fall on the proper date to line up with what they had my payment date set up. 

So despite me making the same payment for 12 months on time, on the same day, I am not left with over {$800.00} in late fees because of Navients mistake, misinformation, and careless disregard for their customers. I was lied to and I have it recorded. 

I attempted to get someone in their collections department ( I think that is what they called it ) to reverse these late fees/charges. But because I confirmed that I was receiving a bill from them they have washed their hands of any responsibility for the error. This is wrong. I will continue to contact Navient to try to get these late feeds removed/redacted. 

Unfortunately it has rained havoc onto my credit as well and that is what prompted me writing this -- a loan underwriter denying me because of late payments to Navient. Which is not true. I have payed them on time every month for the past 13 months now, at least. 

I would have to do some research, there have been times where I could not make the full payment they were asking but I payed what I could. This actually goes much further back than 13 months, they have been charging me late fees for 2 years. I can guarantee though that for the last 13 months the amount I have been paying is the amount that I am supposed to pay ( if this makes sense. ) I can do more research if it would help, however I do n't want to place a ton of effort into this unless I know something is going to be done about it. Likewise, if something is going to be done about this I have my conversations with Navient recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In preparation of foreclosure, Bank of America stopped paying the XXXX portion of the hazard insurance. As a previously MHA HAMP modified home loan mortgage account guidelines require the establishment and continuation of an escrow account for the purposes of ensuring the payment of property taxes, hazard insurance and natural disaster ( acts of God ) insurance as appropriate. Appropriateness is indicated when natural disaster property insurance is offered by the state. In this instance, the state of California offers earthquake insurance for interested homeowners. Bank of America incorrectly and improperly effectively cancelled the XXXX property insurance, without the borrower consent, when it refused to continue to pay the XXXX portion of the hazard insurance for the property as Bank of America had been doing before simply stopping when deciding to move forward with foreclosure.

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 08/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have XXXX Judgements on my Equifax report. XXXX and XXXX already investigated and deleted months ago. Equifax claims to have completed and verified the investigation however, I have documentation from the courts these cases have been dismissed and or vacated. I have sent this documentation to equifax on more than one occasion and they refuse to properly investigate. I have also sent a letter from the courts stating they do not and have never reported any information to any of the credit bureaus. Equifax is getting their information from somewhere else. I want this resolved as well as reported to the FTC in regards to Equifax not investigating and refusing to remove items that were not ever reported to them by the courts. I want them to pay fees for breaking federal laws and false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I found out I was the victim of identity theft and when I tried to put a alertor freeze on my credit Transunion said my date of birth and address wereincorrect. So as far as I know my credit is out there being abused andthe credit reporting agency is allowing it

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Dear sirs, I am following up to my case # XXXX, please refer to those documents. The only update and help I need relates to the letter sent by Regions Bank as a response to the CFPB and myself. On that letter which is included in the case file, is dated XXXX/XXXX/14, in which they apologize for the error and would be requesting all credit agencies to remove the charge off entry and replace with paid off, when I refinanced my home loan. Unfortunately, upon recent updated af another bank loan, my credit report still had the entry as charge off, not paid off as they reported to have done, copy included. I tried calling Regions again today with little help on the topic. I would like your assistance with resolving this issue and would like to know what ramifications Regions bank will have for not fixing this problem, which continues to lower my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Consumer Loan (Vehicle loan) with Select Management Resources, LLC (WV).
Issue: Managing the loan or lease

Complaint: loan max in XXXX has been calling me and my finances phone two to three times a day. we told them I will be making a payment this week and the lady called me today and said she needed to know what day I was making payment. I told her I would told them this week I was going to go get my check and I told her I did n't like that they where calling me many times a day and the lady yelled at me and said you made the loan so pay it. I think it 's really disrespectful and not appropriate to talk to your customers like that.

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 08-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended school in XX/XX/XXXX for XXXX XXXX at XXXX College in XXXX, LA. I was unable to obtain a job after graduating. I was able to put into forberance for years. I had XXXX children & my husband was the only one working. XXXX XXXX turns to navient & i continue to keep loans in forberance. I had XXXX more kids to equal XXXX children. I file for my XX/XX/XXXX taxes & there is a problem navient wants {$11000.00}. I call explain my situation, we have XXXX children, my husband is the only one to work, and we DO NOT recieve benifets from the state of any kind. While on the phone they lift the debt from irs, and set up a {$5.00} a month payment plan. I was told to be sure an file injured spouse for my husband we did everything instructed. Not only did they take my {$7300.00} income tax but they also took our {$460.00} state tax. This is unfair to us, we use that money to catch up on bills, take our children on vacation, & buy school supplies and clothes. We did what we were told and they still turned around and took the money. I know i own that debt & i have to pay & i would if i could recieve an affordable payment option, not one big chunk. I do not know how we will survive now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We filed a complaint several months ago about our on going foreclosure with CitiMortgage. The issue has not been resolved. CitiMortgage fails to respond to any and all of our requests for a loan modification. They also do not disclose the property sale date to us at all, we always have to find out via the local paper. Also, we have reviewed the original loan documents have found a real problem with the appraisal they did on our home. We refinanced the loan we had with Citi for a lower interest rate, the appraisal was inflated by {$47000.00} in only a span of 9 months. We feel this is predatory as Citi signed off on the appraisal which was done by the same appraiser who appraised our home for the previous loan. We have attached the appraisals for your review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information id theft victim sent all po reports and hdp reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had to take out loans in order to attend school. I recently saw the following story on the XXXX. XXXX. This story states, " Navient, the nation 's largest student loan servicer -- and formerly part of XXXX XXXX -- was just hit with a federal lawsuit that alleges the company deceived borrowers to the tune of {$4.00} XXXX. Customers who took out student loans were hit with unnecessary interest payments, denied options to reduce their debt, and suffered damage to their credit scores, according to a lawsuit from the Consumer Financial Protection Bureau filed on Wednesday ... '' I feel I personally have been through this same situation with Navient. My loan was taken over by Navient in XX/XX/2009. The original balance was {$53000.00}. They asked me to make a payment of over $ XXXX/month. I explained to them repeatedly that I could not afford this payment. They told me I could fill out an income based repayment form which would bring my payment down to around $ XXXX/month. I told them this amount was not possible either. I have had XXXX children in daycare, XXXX dollars in medical bills and the other usuals of daily living. I simply did not and do not have the money. They tell me my only option is forbearance. They have refused to work with my on a payment. My current balance on my loans has now reached {$84000.00} because of interest. This is absurd to me. I will never be able to get this loan paid off if they do not work with me. I feel like it is a crime that they can so casually say that my only option is forbearance while they make nearly {$32000.00} in interest off my situation. I have told them repeatedly I do n't want to be in forbearance and I want to be paying on my loan but I need them to work with me. They refuse. What can I do? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Last Saturday, I applied for an " Apartment '' filling out the necessary financial " screening paperwork '' which include an " Experian '' credit report. The " Experian '' credit report falsely noted that I had a home " Foreclosure '' sometime in XXXX or XXXX. I am a victim of " Identity Theft '' and now after calling " Experian, '' " Experian '' is also refusing to give me a copy of my current " Credit Report '' that they have on me. I was wrongfully " Denied '' to move into this newer/nicer " Apartment '' complex all thanks to " Experian. ''

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 11-11-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
Optimum Outcomes Inc XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XXXX 2016, we sent a request to Freedom Mortgage for a short sale on XXXX XXXX 's loan. We had trouble with the Servicer getting the Foreclosure postponed. I reached out to XXXX XXXX 's VA Rep for assistance. He has been very valuable in getting communication from Freedom regarding this file. Freedom is now telling us that they will not proceed with a short sale unless they have a purchase price of {$180000.00} which is the XXXX determined by the Appraisal. The Manager that I spoke with this morning named XXXX said that this is VA requiring the purchase price of {$180000.00}. So once again I reached out to our VA Rep and this is what he told me : " Good Afternoon, The net proceeds that need to go back to mortgage company at time of short sale closing is {$150000.00}, not {$180000.00}. If the loan is delinquent, which it is, the servicer will contract-out for property maintenance. These are fees that can be claimed with VA by the mortgage company if the loan is not paid in full ( which this is the case because this is a short sale situation ). Please let me know if you have any other questions. XXXX XXXX. '' this was my response : XXXX, The net amount going to the Servicer is over the {$150000.00}. If you look at the XXXX attached XXXX the payoff to Freedom is {$160000.00}. 
They will proceed unless we have a purchase price of {$180000.00}, which puts the payoff to the servicer of {$160000.00} XXXX cd attached.Is there anything that you can do to help? '' It appears that Freedom is doing a big disservice to XXXX XXXX 's loan and trying to obtain a higher payoff in a short sale. This appears to be fraud if the VA is requiring a lower amount than the servicer.

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