milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage contract permits me to pay in advance without penalty. The contract does not limit how far in advance I may pay. I stay paid in advance ( presently six months in advance ) and most often also include extra principal payment each month. 
Nationstar Mortgage has been informing me that I may pay no more than six months in advance. I have repeatedly asked them where in my contract it limits me to paying no more than six months in advance and they refuse to tell me. They always respond that they are sending my request to a research team as my inquiry is complex and I will hear in 7 to 10 days .... yet I never get a response. This month I notified Nationstar that as they can not point out where in my contract it states I may pay no more than six months in advance, and as my contract allows me to pay in advance, that I would be submitting an additional payment to pay seven months in advance and that it should be applied as such. 
On XXXX XXXX, XXXX I paid my mortgage for XXXX XXXX, XXXX and included an additional {$150.00} towards the principal. My next payment should therefore be due in XXXX XXXX. XXXX. However, Nationstar failed to apply the payment toward my due date of XXXX XXXX, XXXX ... and instead on applying the payment properly, left my next due date as XXXX XXXX, XXXX and applied the entire payment merely towards principal with no credit as an advanced monthly payment. 
I contacted Nationstar and asked that this be corrected and that my next due date be listed as XXXX XXXX. XXXX. Nationstar refuses by stating that allowing me to pay more than XXXX months in advance XXXX cause my account to fall into default. This is an asinine and nonsensical reply. 
My contract plainly states that I may make advance payments without penalty. I have repeatedly asked Nationstar where in my contract it limits these advance payments to no more than XXXX months and they have never been able to respond. 
I ask that my XXXX XXXX, XXXX payment be applied towards the XXXX XXXX, XXXX payment due date plus the extra {$150.00} towards principal and that my next mortgage due date be corrected to read XXXX XXXX, XXXX. I also ask that all future advance payments be applied correctly as I intend to have my mortgage paid at least one year in advance, and more if I am able.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Letters were sent to the collection company asking to verify the debt they claim belongs to me. I have received letters saying it 's a verifiable debt but when asked for proof they send me copies of a bill. I havent received anything shows by that I signed for or agreed to pay this debt nor have I received information letting me know that I am responsible for this debt. Every time I ask for this proof they re age the account on all XXXX of the credit bureaus with an updated ( current ) date.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Payday loan, title loan, or personal loan (Title loan) with SANTANDER CONSUMER USA HOLDINGS INC. (ID).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: The company is Santander consumer. I was not able to make payments with the title loan back in XX/XX/XXXX. I tried to make arrangement to get back on track. The only option was to pay over {$2000.00} in ten days or give them the van. I gave them the van. A man came and picked up the car. They did not have to tow just drive away with a full tank of gas. I was told they would sale the van in a month  and get a statement if anything else was owed. I did not hear a thing for years. In XX/XX/XXXX they called my husband. Not me who was the only one on the loan. At first he kept telling them he didn't do this loan. After time we figured out who they were. We asked for a full report for we did not get one three years ago. This loan is not on his credit report. When we finally got the paper work it was confusing. By the time they sold the car the principal balance was {$1.00}. But a misc. Fees of {$330.00}. When asked what those fees were, anyone we talked to in the company refused to tell us what the misc fees are. We told them that if they can't explain the fees then why would we pay them for nothing and we could pay them the {$1.00}. They said no you have to pay the fees. When asked them how we can get this solved they just said pay and now they are charging more. On my credit report it now says I owe {$780.00}. This company waited for over 3 years to tell me I owe them for fees that wont or cant explain and now they just call and call and still refuse to work with us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Account Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I agreed to pay a settlement amount on a debt. The credit collection company [ Allied Account Services ] stated they would send a settlement letter that would outline this agreement to pay a reduced amount on the debt and this would satisfy the payment of the full debt. The letter/invoice that was sent on XX/XX/2017 did not state this directly. There was no verbiage on the letter which stated that the creditor agreed to accept less than the full amount of the debt provided that I made the payment on the agreed upon date. The only reference on the letter was that a " payment amount of {$230.00} is due in our office by XX/XX/2017. The arrangement is to settle the balance referenced above. '' I was n't comfortable with the contract it seemed very vague. This document seemed very unprofessional and not that of a reputable business in an attempt to collect debt legally. This felt like a scam. 
I called the Allied Account Services and spoke with XXXX and asked if she could send me another letter on company letterhead which stated directly that the reduced amount would satisfy the full amount of the debt owed. She told me they could not send me this type of letter and they were only allowed to send me the letter/invoice which I have. XXXX ( then later her supervisor, XXXX ) told me once I paid the reduced amount then the company would send me a settlement letter which stated that I agreed to pay of the debt at a reduced amount to satisfied the entire debt. I am not aware of this type of business practices. If we agreed on something it should be put in writing before a payment is made, that is the true essence of a contract. What recourse do I have that this company will honor the agreement after I send the payment with nothing in writing that outlines the premises of the agreement? I told them I was not comfortable with the letter/invoice that the sent. I told them what would stop them from saying after I sent the reduced amount that I owed an additional amount or even the full amount. I could n't with good conscience sign and send a payment on a contract that was so vague and potentially misleading. Even the remittance sheet showed the full amount. Nothing stated directly that this was an agreement to accept less than the full amount of the debt to satisfy the full amount of the debt. They told me this was all they could do and this is the only letter they would be sending me. These conversations occurred over the phone on XX/XX/2017 and XX/XX/2017. I spoke with XXXX XXXX ( who sent the letter ) then XXXX XXXX ( her supervisor ). They are not willing work with me and the debt will remain outstanding and impacts my credit score. There was no other recourse for me according to Allied Account Services , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection agency  I. Q Data International is att empting to collect an alleged debt that I do not owe to them. They have also reported it to all three credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agreed to pay any debt t o I.Q. Data International. The y also have not provided any information showing where I have agreed to pay them for the alleged debt. Furthermore they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the Secretary of State according to Sectio n 392.101 of the Texas Finance Code.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX, I received a garnishment order in the mail from the Department of Revenue of North Carolina. The order was issued on XX/XX/XXXX. On XX/XX/XXXX, I was sent a notice from Wells Fargo that they withdrew {$270.00} from my account, and charged me a {$120.00} " bank fee '' to withdraw the money. 

I have many issues with how Wells Fargo has handled this garnishment order : 1. The notice that they sent to me does not specify that a hold has been placed on my account for those funds. It says the funds have been withdrawn from my account. Possible UDAAP violation ( Attaching copy of notice ). 

2. The notice does not provide the phone number for the XXXX XXXX XXXX department. Instead, it lists the phone number for Wells Fargo Customer Service. When I called the number listed on the notice, I was told that I needed to call XXXX XXXX XXXX to get more information on the matter and was given the phone number to contact them. If I need to call them to resolve an issue, their phone number needs to be provided on the notice sent to the customer. This is a clear UDAAP violation. 

3. When I first called Wells Fargo Customer Service, I told them that I wanted to see a copy of my account agreement, specifically where they specify that they will charge me {$120.00} upon receiving a garnishment order in my name. They told me to talk to XXXX XXXX XXXX. XXXX XXXX XXXX was not able to send me the account agreement, and told me that I needed to call Customer Service back. I called Customer Service back, and they informed me that they could n't provide the agreement. I asked to speak to a supervisor, because this is a clear violation of Regulation DD ( 12 CFR 1030.4 ( 2 ) ( 1 ) : A depository institution shall provide account disclosures to a consumer upon request. If a consumer who is not present at the institution makes a request, the institution shall mail or deliver the disclosures within a reasonable time after it receives the request and may provide the disclosures in paper form, or electronically if the consumer agrees. ). I was told again that I could not receive the disclosures through Customer Service, and I told the supervisor again that I understand they did n't have the capacity to send them, but that not being able to send them is illegal. He escalated me again, and someone told me that there was difficulty sending the agreements because I am a XXXX legacy customer, and that someone would call me back tomorrow with more information. Someone without my knowledge of consumer regulations would not have been able to get those escalations. This is both a clear Regulation DD and UDAAP violation.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Complaint Details I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Transunion credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Transunion via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Transunion and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Transunion to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from XX/XX/XXXX   XXXX  inquiry from  XX/XX/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 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My company filed for chapter XXXX bankruptcy XXXX 2013 and listed the City XXXX as a debtor. A law firm contacted my in about XXXX of 2013 telling me that I owed a debt to the City XXXX for an unpaid business license for 2013 for a company that was closed at the time the payment was due. We had previously closed the company on the City 's business web site. 

At this time I told them in writing of the chapter XXXX filing and asked them to cease and desist all further attempts to collect the debt that was included in the bankruptcy. 

I never heard from them again until a few weeks ago when the same law firm sent me another demand letter for payment even though the debt was included in the bankruptcy filing and discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: starting around beginning of XX/XX/XXXX I started receiving phone calls from a company called Midland Credit Management. this company has called my parents number leaving multiple messages ( I have never used my parents number for my credit applications ). I called and spoke to a representative and explained to them that they have my contact information and that they are to only call the number for me that I have on file and to not call my parents home again. now starting XX/XX/XXXX, XX/XX/XXXX and every other day from then on they have called me and told me they were going to sue me and take me to court. they have now started calling my brother starting XX/XX/XXXX and XX/XX/XXXX 8 to 9 times a day until he finally answered and they assumed he was my husband and stated they are looking for me. I called the company again and told them that they are not allowed to call every family, friend or work to state they are looking for me. I also told the company to mail me proof and documents of the account and balance as to which I have yet to receive. then I was told I was being discriminative towards him because I refused to let him get a word in edgewise and I was very upset over the harassment they are giving my family and friends. I do not know how legally they can look for anyone associated with you and continue to call them and harass them. this company has pushed the limits with harassing calls and threats of suing me. I have done research on this company and they have horrible reviews and they are considered a third party entity. This company should be addressed and shut down for the harassments and threats they have made to numerous people. I refuse to work with a company that can not prove anything about a debt or even prove that they are legit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I recently applied for XXXX seperate things PSLF and the REPAYE program. I was told that I was not eligible for the public service forgiveness and it was like they never received my REPAYE application. Based on where I work, a XXXX helping veterans, it was told to me that I was eligible. I am a little confused on that. As far as the REPAYE issue, I have applied for it twice. I have heard nothing back, and they just placed me in the standard income driven plan. Please look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Payday loan () with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: Hello CFPB, I applied online and was approved for a {$1000.00} loan from Big Picture Loans formerly known as Castle Payday on XXXX/XXXX/2016. 

At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of {$350.00} to be included to the amount borrowed. 

I 'm not looking to get out of a legitimate owed debt, and had no problem paying what I believed was a one-time fee, but now realize I have been scammed, and in fear of losing thousands of dollars to these people. 

This was a precipitous fee but I agreed. What I was n't aware of, nor was it disclosed at the time of accepting the loan was that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. 

They have been bleeding my banking account for month 's now in the tune of {$700.00} per month and are stating that I still owe thousands plus late fees to satisfy this original {$1000.00} loan. {$8000.00} for a {$1000.00} loan, @ 850 % Really!! 

These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. 

Please help, Sincerely : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Problems caused by my funds being low

Complaint: TCF Bank charged my account an overdraft fee totaling {$180.00} dollars. How can they charge an overdraft fee for each small purchase around {$5.00}. Is it not more reasonable to charge an overdraft fee to your account at midnight if you account is overdraft rather than charging {$35.00} on every small transaction that happened in the day. 
While it is a good idea to keep track of your current balance, TCF does not have a customer friendly services online and on their app. For instance, their website is so confusing and asks for multiple secret questions everytime I try to log on. 

I have checking accounts with other banks and when I go overdraft in the day, they send a notification to my email, and regardless of how many transactions I charge to my card they do n't charge the overdraft fee of {$35.00} to my account if I make sure I deposit cash into my checking account before the daily deadline around XXXX. 

I have to say that TCF Bank representatives were totally eager and indifferent about charging their customer {$84.00} dollars for going overdraft by {$10.00}. I was dismayed by their customer service and how they treat their customers with contempt. I have since closed my checking account with TCF Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (KS).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: XX/XX/XXXX was told by Service Rep at Citibank Credit Card that I was eligible for the XXXX XXXX XXXX bonus miles if I was approved for the new platinum card and after charging $ XXXX within 3 months. In fact, he tried to upsell to a more expensive card with XXXX miles I was eligible for. Online, I applied for and was approved for the card almost immediately. When the card arrived I activated it XX/XX/XXXX I noticed in tiny print on the back side of the Welcome letter that I was not eligible for the bonus offer due to recent opening or closing a Citi Card ( s ). I called and and was told by a Service Rep that  Citibank had cancelled a Citibank card in XX/XX/XXXX due to lack of use and that was within the 24 month period, outside of which the bonus miles would be awarded. Spoke to a supervisor, XXXX, who said the same thing had happened to him by CitiCards ( which seemed a bit unbelievable ) and he offered the solution to apply for a XXXX XXXX card not needing the 24 month period, and for which I would get points to use for hotels, airlines, etc. I told him that unless I continue to use a credit card associated with XXXX XXXX, and of which the card he suggested was not, I would lose the XXXX miles I have acquired on XXXX. I asked if they could close the new credit card and show it not opened, I would wait until XX/XX/XXXX for any new offers. Impossible, he said. After I asked for his supervisor, named XXXX, I was told he would call in 24 - 48 hours. 
XX/XX/XXXX Have not heard from Supervisor XXXX. I called Cust. Service, spoke to XXXX and then her supervisor, XXXX who acknowledged from the record I should have received a call back but no one did. She explained that my issue is a 'gaming rule ' and that NO ONE could cancel the account and show it not opened so I was now in a going forward 24 month period of not being eligible for any bonus offers, including the present one. 
XX/XX/XXXX filed complaint with CitiBank Ethics Hotline. Am advised by email I will not hear the outcome of the complaint. 

In the 20 years of being a Citibank customer, I have never registered a complaint of any kind but I can not accept this deceit of being told I was eligible and then in the tiny print, finding out I was not. Citibank customer reps seemed more interested in selling me additional products for commission than resolving my problem.

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