milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Payday loan () with Enova International, Inc. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan for {$550.00} on the premise that I would simply be paying that amount, plus a small amount of interest and fees. Instead, since I could n't pay the requested amount, I 'm being charged the ridiculous amount of {$120.00} plus the original fees for an extension resulting in the loan being over {$800.00} making it impossible to pay back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I moved several times and was not getting my statements. Each time I moved I updated my address, and still never received payments. I want to pay off the debt, and want the late payments removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit card () with CITIBANK, N.A. (VT).
Issue: Late fee

Complaint: This all started when we over paid on our home depot credit card bill. I sent in a check for the minimum amount while my boyfriend paid it in full online. This resulted in a credit of roughly {$35.00}. 
I then purchased a miter saw and blade for my boyfriend for XXXX. This was roughly {$170.00} and resulted in a credit card bill of {$140.00}. We were sent the bill and were made aware of the payment due date. 
However, my boyfriend then chose to return the miter saw and blade before the due date. Which means, logically, that we 're back to having a roughly {$35.00} credit on our credit card. 
On the same day, we made a {$28.00} purchase on the card. Believing that because this purchase was made after the closing date for XXXX, and believing our account was now at - {$35.00} ( credit ), we did not have a payment due. 
We just received our XXXX bill and it is showing a {$25.00} late fee that the company is refusing to refund and they also refuse to put our account in " Good Standing '' and are threatening collections when the bill is n't even 2 weeks past due. 
We fully understand that we may be misunderstanding how this all works, however, because of this confusing situation we believe that they should 've done us the courtesy of removing the {$25.00} fee and allowed us to float until XXXX on such a small amount ( {$28.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: XXXX has continued to charge the wrong account even after I have changed the method of payment linked to XXXX. As a result, my bank of america account has been charged an exorbitant number of overdraft fees and my balance is now negative. I have tried to speak with customer service, however the bank 's proprietary software does not allow more than a certain number of fees to be refunded and prevents any autonomy within bank branches and for customer service agents. This is unnecessarily punitive and anti-consumer.

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 11/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: transunion stated that they were going to remove a fraudulent inquiry from onemain. it still has not been done, nor have they sent me an updated credit report as pormised in case XXXX. this was filed on XXXX and still is showing as of 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 10/28/2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This amount was charged off I 'm harrased over this debt I need it deleted or else I will sue the company a XXXX charge them a fee of XXXX XXXX dollars a day for holding my info. I have no contract with them what so ever and they are holding my information which is considered identity theft. Will also contact FTC, Attorney GENERAL and BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX   XXXX, XXXX, FL 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 12/20/2015 about Debt collection (I do not know) with Penn Credit Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Penn Credit Corp., XXXX, has robo-called my house at least XXXX times over the last 6 weeks with a recorded debt collection message for a relative who has not lived at this address for 12 years. The message warns of a past due debt but provides no information other than a demand to pay the unnamed debt or to call to make payment arrangements. The actual debtor is not identified and I am certain is not valid. The robo-calls are always after XXXX in the evening. There is no apparent alternative to stop or even address the validity of these debt collection calls without calling Penn Credit Corp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (I do not know) with Global Recovery Group (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE A COMPANY THAT CONTINURES TO CALL MY CELL PHONE AND I HAVE INFORMED THEM I AM NOT THE PERSON THEY ARE LOOKING FOR. THEY CONTINUALLY CALL EVERYDAY. THIS TIME THEY HAVE CONTACT 7 TIMES WITHIN 5 MINUSTED OVER AND OVER. THEY ARE CALLING MY CELL XXXX LOOKING FOR XXXX XXXX AND I AM XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 12-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: EARLIER IN THE YEAR I CHECKED MY CREDIT REPORT AND ALL OF MY INQUIRIES WERE DELETED. TRANSUNION PLACED THEM ALL BACK ON MY REPORT. UPON A DISPUTE THEY TOLD ME THEY WERE ALL VALID AND WOULD REMAIN. ITEMS WERE PLACED BACK ON WITH OUT NOTIFYING ME BEFORE PLACING THE ITEMS BACK ON MY REPORT.

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 10-04-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Trouble during payment process

Complaint: Estimated time of Federal Banking Misconduct involing Chase Bank/Chase Mortgage is 12-months. Chase Mortgage has utilized unfair and discrimnatory practices in order to 'solicit, entice, and force ' the Mortgagor to refinance a Mortgage whose fixed-terms are less than 8-years to complete payoff. The first tactic, on behalf of Chase Mortgage, began in XX/XX/XXXXby sending the Mortgagor unwanted, unrequested, and dubious joint written and verbal communication regarding refinance offers which had an offer expiration at the end of each month ; Often written communications would be sent via XXXXdelivery requiring signature as it were a serious legal matter, turning out to be nothing more than 'aggressive solicitation '. Further, after each written solicitation, verbal voicemail messages were left by Chase Bank Mortgage finance division. In XX/XX/XXXX Chase Bank did 'unlawfully ' manipulate, block, and lock online access to Morgagor 's mortgage statement which had been accessible and linked with other financial products held by the Mortgagor such as credit cards, checking accounts, etc. Subject blocked and locked mortgage financial data 'purposely prevented the legal Owner ( Mortgagor ) from viewing accurate payment posting, balance due without calling to speak with the same department involved in the agressive solicitation. Also at issue is the Mortgagor receives a 'real-estate property tax bill ' each year along with Chase Mortgage and has 'pre-paid ' this amount in full ; Thereby forcing Chase Mortgage to place said funds in Escrow and preventing future 'scam corporate advances ' to the Chase Mortgage account. Summarily, blocking online access to Morgagor 's Chase Mortgage statement is akin to placing funds in a bank account and not be permitted to see the 'consumer product for which one is paying ', with a goal of PAY-OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: my father passed away in XXXX with no will my family hired an attorney and did a succession in XXXX all his assets went to all of his kids we was never contacted by green tree lending company that my father had a mortgage with their company I found out years later the couple living in the house told me the mortgage payment is in my fathers name still. I contacted the company and sent all information need they said they knew he was deceased but would not give me any information about the loan said I was n't on the list to receive any information even though I 'm his son.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is th e 3rd ti me that equifax released my credit information to companies fraudulently and when told that it was fraud they refuse to remove it. My credit has had  XXXX  inquiries from   XXXX   and  XXXX  from  XXXX .  XXXX  will not remove it unless there is a police report. The point is equifax was the that refusing to investigate and remove the fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I took a loan for school. After I graduated I was unemployed and went on forbearance. I was unclear what that meant to the loan. I was then advised by lender to consolidate the loan which I did. My loan was then sold to Navient and when I requested to refinance the loan they said I could not. I asked what my old interest rate was and they could not provide it. My loan balance is above {$20000.00} 10+ years out of school and I only borrowed just above that. I am confused, feel I have been mislead, and need some help understanding what happen with the consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have spoken to Navient in the past, they made it difficult to impossible to consolidate, create an income based payment system, and other challenges, these issues caused my loans to go into default. I have XXXX in loans and they were into default. I called navient a bunch and never got service, i was so dismayed i stopped following up.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (FL).
Issue: Taking out the loan or lease

Complaint: i purchased a vehicle from a buy here, and my loan was sent to Mid-Atlantic. and apparently in the loan agreement I could n't have a bad payment within the first 90 days or I would terminate my loan. needless to say life happened and my account was XXXX dollars short so my bank returned payment. the next couple of days the dealership calls and says do n't make a payment with them they are going to take back the car for the bad payment. he then goes to say with the next couple of days they are making me buy back the car. so I am out of XXXX dollars so I need my car back unless you can bring me the car. does n't sound right so I call the finance company and they first say yes the dealerdid buy back the car make the payments with them. I call again and another manager says no your account is active and you still should pay us. but if the buyback is in process you would then have to talk to dealer about the payments. I let the finance company know that I traded a 2006 truck for the 2006 Honda civic and what happens to my trade inif my deal is no longer any good. she goes well its up to the dealership if they give you back the trade in or not. and I feel as if I am being ripped off. here. because I also paid my tax tag and title up front to the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CO).
Issue: Account opening, closing, or management

Complaint: I had a delinquent loan with Navy Federal Credit union. I was repeatedly called and threatened with legal action, and notification to my XXXX XXXX. I was also locked out of my accounts, so making payments was not possible. I did not know this illegal debt collection processes until the recent case by the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Lent amount predictably uncollectible. Has harassed my family and myself ( including members for which I did not provide their contact information XXXX in their collection methods- repeated calls, early in XXXX and XXXX. Not willing to work with me to pay loans, put me in forbearance to collect interest, but still not able to pay requested amount.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (DC).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I was provided a corporate American Express card by my employer. The terms outline " You authorize American Express, its affiliates, and licenses to exchange business and consumer credit reports. You may direct us not to share with our affiliates and subsidiaries ... by writing to us at ... .Please include your Corporate Card account number. '' I wanted to talk to someone about this process. I first tweeted at AmEx and they said I should call customer service at XXXX. I did and, when I reached a human, I requested to direct them not to share my information. They said they were n't planning on it and it should be fine because it is a corporate account. I said that since it was outlined in the terms I wanted to direct them to not share my information and wanted it noted on my account. 
The person I spoke with then said they 'd connect me to the department that would be able to do that and placed me on hold. After a hold, they said I should call back at a later time because the queue was too long to connect me to the department and I should just call back later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In 2011 I register to XXXX XXXX in XXXX Michigan, I was told when I was in school and pay the monthly amount of around XXXX $ that my payment will be lower after I graduated. I graduated and after 6 months someone from XXXX XXXX called me and request that my monthly payment would be XXXX {$.00} I never got a job with what I graduated for and hardly making the payment of my loan.I tried putting my federal loan in deferment for two years now. I do n't want my credit to be damage. I 'm just hopeless.

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 11-11-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a principal reduction for my home and have not been able to get it resolved and I need to in order to bring this matter to a resolution.

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 09/15/2015 about Mortgage (FHA mortgage) with Home Mortgage Alliance Corp. (HMAC) (CA).
Issue: Application, originator, mortgage broker

Complaint: I had worked with XXXX and XXXX XXXX trying to refinance my loan. Everything was great and they worked hard to earn my business over my current mortgage company which was trying to have me refinance with them. All was great until the loan did not close on time.. which was going to cost me an additional XXXX in interest. Premier Option Mortgage was no longer able to follow through on their promises and I backed out of the refinance as it no longer made financial sense for me. They blamed me for delaying the closing although there was ample time and I was never forewarned that the closing would not occur on time as promised. After I backed out of the loan, they got very nasty!!! They will still not give my current loan company the FHA number so they can proceed with the refinance after multiple calls to them. Other false promises that the company made include they stated that they would reimburse my appraisal fee regardless of whether they were able to proceed with the refinance or not as they were confident they would earn my business. After the deal fell through, they are stating that they never stated that and will not reimburse for the appraisal as they had previously promised. Also, before I pulled out of the deal, XXXX had promised that he would pay {$500.00} towards the first payment and later told me he never said that. Luckily that was in writing and then he pretended he did not remember. I have XXXX concerns ... they will not reimburse the appraisal as promised and more importantly, they will not provide the FHA loan number so that I may finalize my refinance. They make false promises to get people in the door. I wish I had recorded my phone conferences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2016 about Mortgage (Conventional fixed mortgage) with CMG MORTGAGE, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I completed a Loan Application on or around XXXX XXXX, 2016 with XXXX, A Division of CMG, NMLS XXXX with Loan Officer, XXXX XXXX XXXX, XXXX XXXX. When XXXX XXXX emailed me the pre-filled in Loan Package for my review and electronic siganture along with instruction to print out specific pages and apply my wet-signature to those documents to be placed in the mail to him. After XXXX/NMLS No. XXXX received my signed documents back which included 'INTENT TO PROCEED WITH APPLICATION ', 'CALIFORNIA LOCK-IN AGREEMENT, 'Closing Disclosure Documents ' and the Uniform Residential Loan Application ... XXXX/NMLS No. XXXX proceeded to 'Violate My Civil Rights/Constitutional Rights ' by LOCKING MY INTEREST RATE WITHOUT MY CONSENT. The pre-filled in application that XXXX XXXX provided to me to complete electronically clearly was MARKED that the INTEREST RATE WILL FLOAT. I did not give my 'Consent ' to XXXX XXXX XXXX 'Lock My Interest Rate '. 
Furthermore, I believe Diversified Mortgage Group could have placed me in a 'Better Mortgage Vehicle ' such as a Loan with XXXX, since XXXX has a Mortgage that will cover the 'Borrower 's PMI/MIP Payment, thus giving me a little relief regarding my monthly mortgage payment instead of the 'Predator Product ' that they placed me in.

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