milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Consumer Loan (Vehicle loan) with TMX Finance LLC (AL).
Issue: Managing the loan or lease

Complaint: I received a title loan from Title Max over a year ago. I regret this choice, as I can not afford to pay more than the monthly finance charge, which is 10.99 %. I have made my payments as required every month, with a few late payments only, and no more than a week late at the most. I am stuck in this endless cycle of debt, with no way out it seems. My complaint is, my last payment due date was on XXXX/XXXX/2015, which was a Saturday. I had the amount I owed, but due to transportation issues, was unable to make it to the office that day to pay ( no one can go for me, unless granted power of attorney ). They are closed on Sundays every week, and this particular week was XXXX XXXX, therefore they were closed XXXX/XXXX/2015, and XXXX/XXXX/2015. I called to let them know on the next business day, I would be there with my payment, and one days late fee. I spoke to XXXX XXXX, and she said, I had to pay for late charges for the 2 days they were closed, in which it was physically impossible to make a payment. This set me back another day, because I did not have enough to pay these unexpected days. I borrowed the money from a reluctant friend, and paid on XXXX/XXXX/2015. This cost me an extra {$43.00} on top of my minimum payment amount of {$320.00}. This woman talked to me like trash and hung up in my face when I called to let her know I was on my way to pay. I am appalled at her mistreatment of a paying consumer, who has never missed a monthly payment. The company makes their rules as they please, because there have been times in the past that I was not charged for a Sunday, or a particular holiday in which they were closed. I am in a financial rut, but manage to keep up these payments, as I can not lose my vehicle. Is this legal and the way the woman treated me was terrible business practice, and being a manager of this particular Title Max location, she should know better.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Never inquired for this card

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 non-monetary relief
Consumer complaint received 02-05-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Calls begin at XXXX and do not stop until around XXXX. They now call from an unknown number back to back to back & leave repeated voice mails after each call

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 05/18/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: AES Success mishandled my loans in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and consolidated all of my lower interest loans into XXXX higher interest rate loan. 

AES Success also never removed late fees and penalties on my loans after consolidation. 

AES Success capitalized late fees, penalties and interest on interest into the higher interest rate consolidation. 

AES Success also failed to properly account for principal paydowns in years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, when I made multiple payments, most of which were directed toward reducing the principal balance. 

I suspect that my current loan balance is overstated by {$4000.00} to {$5000.00} because of too-high interest expense, because of penalties and fees that were capitalized and because of fraudulent calculation of principal and interest payments. 

I request that the CFPB conduct a comprehensive audit of my student loan accounts with AES Success. I first want my interest rate on the consolidated loan to be changed back to the lower rate initially offered to me by AES Success. My consolidated loan 's interest rate is at least 1 % too high. My rate should be much lower!!! 

AES Success mishandled, misadvised and fraudulently handled my student loan application. I have paid dearly for their unprofessionalism. 

I also want a comprehensive audit to calculate all of the late fees, penalties and interest that accrued on my loans prior to consolidation. I want all of the fees and penalties removed, since they were the result of AES Success ' mishandling. 

Lastly, I want a comprehensive audit to calculate the proper amount of principal reductions that should have occurred in periods where I made multiple payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with John C. Heath, Attorney at Law, PLLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have recieved numerious call back to back. I recievd serveral calls with in an hour time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I notice my credit had a negative reporting from this company. This debt was an older debt but they reported it as current charge off as of XXXX/XXXX/15 which isnt true. This was already sent to another agency who could validate the debt ad was removed off my credit. This is the XXXX time it has been reported. So now im being punished XXXX times for the same debt that was originally removed. Just because they purchase the debt doesnt mean they can lie and try and ruin your credit. Also i notice they do this all the time with many people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Found an offer on XXXX to open a Capital One 360 account and receive {$400.00} after receiving two direct deposit of {$250.00} within XXXX days. Opened XXXX accounts, one for the wife and XXXX for myself. No where on the offer is it stated that this offer is targeted to specific individual. After going over with multiple CS, they keep saying that this was a targeted offer and only available to a select few. XXXX accounts have not seen a single penny of {$400.00} and only seems like a way to dupe us into opening and maintain new accounts since we have already switched our DD at work

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX I charged for XXXX XXXX despite insufficient funds and Chase accepted the transaction only to gauge me with {$68.00} in overdraft fees. So again Chase has overdrafted me despite my opting out ( this is now like the XXXX and XXXX time ) of overdraft coverage. Now, this time is a little different because it says in the overdraft fee that the XXXX charges were repeating charges, but this ca n't be the end of the story because XXXX checks every card it uses to authorize it when it uses it. It 's simply a slippery way for Chase to make an obscene amount of money off of a broke college student, again ... Of course they always check- that 's how the transaction gets processed. They have to because the charge is variable, just like a XXXX purchase ; it is NOT a uniform repeating charge, and Chase 's advertising is both slippery and false, and difficult to understand for the average consumer in this context. I do n't have the means to pay the extra charges, and the XXXX should 've been denied- I would 've just used my other card ( XXXX ) had I known that! I Needless to say I will be using another bank after this issue gets resolved, or a credit union. 

AND I understand that XXXX charges are variable and that makes the whole thing more complicated, but it turns out I had well UNDER the MINIMUM XXXX charge in my account, and so the transaction should 've been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been in foreclosure process with Wells Fargo for 3 years. During that time I submitted all necessary information to them via XXXX, Mail. Registered Mail, Fax and email. The process of loan modification was long but I was eager to keep the house. During that time I 've provided Wells Fargo with all they required numerous times. We went through the process with a Referee in the court, we got to making trial payments and then the process stopped with no response from the bank. There were numerous calls, I was in touch with all the departments, including Customer Retention Dept., Loss Mitigation Dept., Property Preservation Dept., President 's Office and others. During that time I was in a hospital for 4 months and the property was sold to XXXX. Eventually I was evicted from the house in 2015. 
Despite all the attempts made by me during that period of time, it was me who was pursuing Wells Fargo and not the other way around. Their procedures and practices were so confusing, my attempts were constantly neglected, it was impossible to talk to anyone. No one returned the calls. The names of representatives ( advisors, professionals ) changed. I did everything that was asked of me. At that time I 've lost my business and income. I followed every protocol and requirement in effort to keep the property. I received conflicted answer from all their departments. Since then my marriage did not survive XXXX and we divorced.

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 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NH).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: CPFB did not address multiple complaint issues against Barclay Bank : 1 ) Barclays assessed my   account as a default risk with no credit history to suggest this a a p ossibility 2 ) Barclays su bmitted excessive hard inquiries to credit bureaus in an attempt to harm my credit and refused to correct th ese 3   ) Barclays fo rced me to close all my accounts to avoid catastrophic harm to my credit report as well to others in credit card forums on the internet.    XXXX   card, the Black Card, i had to pay an annual fee of {$490.00} and because Barclay actions forced me to close it, Barclays h as been unwilling to return a pro-rated fee of {$250.00} to me as i can longer use the features and benefits of the card due to no fault of my own.    4 ) Although all  XXXX  cards were closed simultaneously, Barclays took its time reporting the Black card closed 5 ) Barclays issued predatory documentation AFTER i requested the accounts closed to substantiate its actions -- again of which have proven incorrect in Barclay assumptions.      I have contacted the Banking oversight committees due to the very malicious wa y Barclays is treating its American customers as well as the lack of proper review and addressing issues by CPFB itself .

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (IL).
Issue: Loan servicing, payments, escrow account

Complaint: From the duration of my loan it appears I have had my consumer rights denied. At the formation being promised a lower rate, then getting a rate almost two percent higher. There was also the fact the lender 's attorney was also the title insurance agent. While, even now I have learned about the right to rescind forms that never were given to me. As the loan progressed with the servicer PHH there were countless payments that seem to have went accounted for, higher payments than were stated at the beginning, and a seemly vast array of stipulations that came with payments being claimed. During the years 0f 2008 I lost my employment and struggled like many other Americans. I had attempting modifications from the beginning of my financial hardships and admittedly have went into foreclosure and bankruptcy. Currently, I am in foreclosure once again, yet honestly I have learned that the violation of regulations and law that my servicer appears to be violating is almost unbelievable. I begin my dream of home ownership with a XXXX fixed rate loan that through modification has become over XXXX dollar loan. I have figured it out through pay stubs, bank withdraws, and other written documentation that I have paid over XXXX plus dollars over the last 9 years on the loan ; however, in foreclosure now they are claiming the full XXXX. My family and I have paid numerous payments at a time and spent hours trying to handle our obligations ; still all the while meeting the sometimes ridiculous requests of our mortgage servicer. Due to the rural county in which I live legal assistance that is afforded many in my state of Illinois is not obtaining for me. I decided due to the servicer never seemly to work with me, even endorsing my money orders then sending them back after they already begun foreclosure ( Done this more than once ), that without supervised modification assistance it will be a moot point.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated from college in XXXX 2016. I tried numerous times to get in contact with my loan servicer and had no luck each time. I received no correspondence or contact from my loan servicer Navient. No contact before or after my graduation. I needed to consolidate my Direct Plus loans in order to make the payments something I can afford. However, every time I tried to call Navient the customer service was busy or could not help me at that time. I had no idea when to start repaying my loans or how much I needed to pay because the loan servicer never replied to my questions or got in contact with me. I have been out of school for a year and two months ago I received the first letter from Navient telling me that my loans were in default and I owed {$1700.00} as my monthly payment. I contacted them and they said that they had reached out to contact me and heard no response. That is a lie because I never got any e-mails or mail from Navient regarding my loans. I paid the amount that they requested in order for my account to be up to date, however I am unable to continue to pay that amount each month as it exceeds my monthly income. I am in desperate need of loan consolidation or else I will be on the streets soon as this is insane to be paying more than I make every month because an employee at Navient is unable to take the time to do their job correctly and help me consolidate my loans and put them on a payment plan that I can afford. Instead this company is making a stressful part of my life that much harder and is putting me in an extremely severe situation. Navient is a horrible company and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have resubmitted to both the Credit Agency and the Creditor to remove the previously deleted materials. I signed up for a credit card from XXXX XXXX XXXX ( issuer of the XXXX Red Card ) XX/XX/XXXX. XXXX XXXX XXXX failed to provide a card and statement in order for me to submit payment. They contacted me stating that the account would be going into collections, and I informed them that I had not received a card or received a statement. They stated that they would send a statement and reage the account. I received a statement and paid the statement in XX/XX/XXXX. I was applying for a home loan when a Failure to Pay came up on my credit score issued by XXXX XXXX XXXX. I did not receive approval for this loan due to the impact from XXXX XXXX XXXX. After 8 months of working and disputing with the Credit Reporting Bureaus and XXXX XXXX XXXX the Failure to Pay was finally removed XX/XX/XXXX and submitted it " Paid Satisfactorily ''. On XX/XX/XXXX I checked my credit score and XXXX XXXX XXXX has resubmitted a 30 day overdue, decreasing my score. I never received notice that this had been Reinserted. XXXX XXXX XXXX is unfairly attacking customers, making it nearly impossible to remove incorrectly reported items and should be investigated. When I contacted them to get the account fixed today they stated that they saw where it was reaged and the Failure to Pay was removed and changed to Paid Satisfactorily. However, they stated that after this it was reaged again, without my consent or knowledge that this was added, and I would charge that this is in direct disregard for the Fair Credit Report Act Section 611. ( B ). No details were provided and no contact was attempted to be made. The customer service manager at XXXX XXXX XXXX was rude at best. When telling him that this was previously deleted from my credit score, he stated that he saw that, and that someone decided to re-report the materials. He did n't state who made this decision or a reason for it. After over 20 minutes of arguing that it should not be on my credit report, he stated that he would file a dispute. This transaction number was XXXX. I want XXXX XXXX XXXX to remove this error from my account, and stop abusing consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient is the absolute WORST company on planet earth. Not only are they incompetent and rude, but every time I call they just transfer me from one customer service rep or bounce me from department to department until I just give up. They acquired my loan from XXXX XXXX back in the beginning of this year. I had my account set up for automatic ACH payments with XXXX XXXX. Once Navient took over, they told me that my last payment I made to XXXX did not apply to them since they were a different company and that I was late on my loan and in collections. I explained that I paid XXXX and they told me too bad, I can go chase it down with XXXX but they would do nothing. I had to pay twice. Thereafter, they increased my payments from what I was paying with XXXX and refused to provide me with any information regarding income driven repayment. I have called countless times and they put me on hold and no one ever comes back. I have set up an online payment account with them and can not log in. When I try to log in it tells me my email address is not registered, I enter loan number and they tell me I have to call customer service. Then once again I hit a wall because no one helps me. Meanwhile, they are just destroying my credit while making it impossible for me to even make a payment when I try. This company is just awful!

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not solicit this business for any product or service

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 04-05-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I checked my account I had deposited {$59.00}. First Merit has taken {$10.00} out of my account. I had set up a savings account with First merit a few months ago with the bank Vice President XXXX XXXX. She told me that if I set up a savings account that it would cover my checking in case my account was overdrawn. My account had been overdrawn a week before by {$9.00} I did not know otherwise I would have transferred the money my self into my checking account. First Merit was supposed to had sent texts to my phone when my account was low or overdrawn they have not done that yet. I saw XXXX XXXX about this matter and contacted First Merit and they still have not activated the texts to go to my phone. XXXX XXXX asked did I want to set a up a saving but she never specified that I would have to pay {$10.00} for the savings to checking transfer. I guess she was just interested in selling the banks products!! I called on XXXX XXXX and spoke with XXXX XXXX she stated that when I signed up for the savings that I had to pay for this fee. I told her that I wanted my money back she told me " no ''. I told her that she never stated anything about the fee. She then yelled at me saying, " well do you want me to refund the {$10.00} and charge you an overdraft fee of {$35.00}! '' I said, " no '' " I want you to refund my {$10.00} period! '' I said that I should go to another banking institution that is forthcoming and honest such as a credit union. She asked did I want to close my account and I told her that I will come up to the bank when I am ready. I said, " you ca n't tell me what to do. '' XXXX XXXX stated, " I can tell you what to do and in 30 days if you do not close your account with First Merit, I will close it for you! '' I then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed an account with XXXX and the credit agency kept it on my credit. XX/XX/2016 experian sent me an email stating someone used my information to obtain a cell phone and therefore they would remove it off my credit and offer credit monitoring.

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 non-monetary relief