milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease

Complaint: XXXX, XXXX, XXXX, has a Santander Consumer Auto Loan that is showing up on my credit report that is not me. I spoke to Santander today at there Credit Dispute Office and they confirmed that this auto loan is not me and that I never had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient will not allow you to set up an automatic payment for more than what the monthly payment is. If you want to pay more than the monthly payment ( hence paying your loan off sooner, which should be encouraged!!!! ) you have to go in each month and do it manually. Navient has made it more difficult to pay off loans sooner so that they keep gaining interest $ from you. What a scam! I am in good standing with Navient ( XXXX XXXX ), I have always paid my monthly payments on time and would now like to pay off my loans sooner!

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Credit decision / Underwriting

Complaint: Nationstar is sending out deceptive solicitations for refinancing. They always claim " lower interest rates ''. They tout " reduced monthly payments '' and " shorter loan terms ''. 
The problem is that the interest rates are significantly higher ( I 'm at 2.675 % ), and the benefits they cite can only be achieved by paying Nationstar higher interest. 
With a finance/accounting degree I know that they 're not offering any benefit, but an uneducated consumer might fall for their tricks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I borrowed from formally XXXX XXXX now Navient a private student plus loan for {$14000.00} with a XXXX % interest rate in XXXX and graduated in XXXX. Immediately upon completion of school, I began payments. My loan amount when I graduated was at {$23000.00}. I have made on time payments since and my amount owed never really changed but by a few hundred dollars until recently when Navient gave me a {$600.00} credit. The institution marked it as an error on principal payment corrected. However, I find it hard to believe and harder to understand their ledger. I have called and complained multiple times to them since XXXX until present day and asked for their representative to explain and look at the account. They never could explain it and would usually just give me some type of an account credit to shut me up for the time being. I have been paying for XXXX years and I still owe {$20000.00}, and yes, I have been making normal principal and interest payments the whole time. I have thought about hiring an attorney, but I have been so busy trying to make it after college that it has been on my back burner, until now. Recently, I was made aware of the lawsuit against former XXXX XXXX now Navient about this same bad service and robbery. I wanted to start my process to get justice and the credit I deserve for years of payment I have been making and still making.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with Green & Sons Agency, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I HAVE ATTACHED THE POLICE REPORT. Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I think current and potential customers should be aware that Capital One may make publicly available all credit card statements in a legal proceeding. I had a credit card for approximately 6 years and was unable to make payments due to unemployment problems. I relocated to find suitable employment and was contacted around XX/XX/XXXX by their attorney, XXXX XXXX XXXX. I attempted to set up payment arrangements prior to any legal action being taken and received a stipulation of judgment upon default agreement that included an erroneous filing fee for a case never filed. I did not sign this because it was inaccurate and I was working a temporary position and renting a couch - the likely hood of defaulting in the future was very high. I requested they only contact me in writing ( no email or phone communications ). The next notice I received from them was in XX/XX/XXXX and it was a summons to appear in court. Once again, I was unemployed and unemployment only covered the basics. Mediation was held in XX/XX/XXXX, I was fighting this in part because the original customer agreement stated only Virginia and Federal law would be applicable and also because I was recently diagnosed with a condition that required XXXX and time off work to recover. They did not have a copy of the original contract so when this case went to trial in XX/XX/XXXX XXXX XXXX XXXX filed 6 years of statements with the court to prove their case, which made them public record. They did not redact any information on the statements and did not file any motions to protect any of this information. During trial I commented on this and I have attempted to file a motion with the court to correct their error. They continue to tack on erroneous fees. Included in the judgment are 3 fees that occurred prior to the case being filed with county court and they attempted to simultaneously garnish my wages and levy my bank account. If I had been more forthcoming with them and made payments, they would have been successful in taking all of my money shortly before I was scheduled to have XXXX and was physically incapable of working for several weeks. Unfortunately, this also means they have filed three different writs since XX/XX/XXXX and the judgment now includes {XXXX} in alleged court costs. Of course I ca n't afford to hire an attorney and I have filed motions pro se with the court, but I do n't even think the court is reading what I file. None of my other creditors were this aggressive, I made arrangements or settled with almost all of the others. Now they will suffer for being decent because bankruptcy is the only option I have to deal with this one.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech is again creating false documentation to overcharge me to facilitate a hardship so that they can foreclose. 

Ditech should be reducing my monthly mortgage payment because my required escrow balance is an overpayment. Yet, Ditech has once again created false documentation raising my note to {$1200.00} instead of lowering it to {$1000.00}. Ditech manufactured a shortfall that does not and will not exist. Ditech withheld projected balances and federal law regulating how low balances are calculated to hide that it owed me a refund of {$790.00} and that my mortgage should be going down and not up. 

I included as evidence of Dtiech 's ongoing bad faith in creating false and misleading documentation to create hardships and falsify my debts and shortfalls. The original XXXX and corrected XXXX and statement due XX/XX/2017 are not issues to be addressed in this complaint. They are evidence of Ditech 's ongoing acts and how they create documents to mislead CFPB.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (FHA mortgage) with Fay Servicing, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Well my mortgage was under XXXX lending services at the time my insurance was still active once they transferred my mortgage over to fay servicing they cancelled my insurance an was turn over to fay servicing I was never informed of the change of insurance an taxes.they just kept taking payment an increasing my mortgage payment I resently changed my insurance an now my monthly payment of my mortgage just increased ..

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: This is a general complaint about Equifax 's offer of " complimentary identity theft protection and credit file monitoring '' to consumers impacted by its data breach. 

Several pages on Equifax 's website describe the service as " complimentary. '' Yet the Equifax browsewrap Terms of Use include a class action waiver. 

It is not clear from the website whether enrolling in the identity theft protection program constitutes agreement to the Terms of Use. The relevant language in the terms of use states : " BY REGISTERING ON THIS SITE AND SUBMITTING YOUR ORDER, YOU ARE ACKNOWLEDGING ELECTRONIC RECEIPT OF, AND YOUR AGREEMENT TO BE BOUND BY, THIS AGREEMENT. YOU ALSO AGREE TO BE BOUND BY THIS AGREEMENT BY USING OR PAYING FOR OUR PRODUCTS OR TAKING OTHER ACTIONS THAT INDICATE ACCEPTANCE OF THIS AGREEMENT. '' http : //www.equifax.com/terms/ If Equifax considers consumers affected by its identity breach to have agreed to its Terms of Use by registering for identity theft protection, then that protection is not " complimentary. '' Consumers registering for it have paid a possibly high price by forgoing the opportunity to be members of a class action. The descriptions " complimentary '' would then be both deceptive and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has tried to swindle me! I put in an order to change my monthly loan payments from my Wells Fargo checking account to my XXXX checking account. They charged both accounts for the same payment on the same day! Fortunately, the old account was empty, because I am in the process of closing it. So, they withdrew the payment from XXXX account and charged me an NSF fee for the other. They admittedly had every intention of keeping the money from both accounts! In addition, they told me that in case the first order did not go through, I should order another payment, which I foolishly did, but on the federal credit union account, not the old WF checking account. I am waiting to see if they attempt yet a third payment. This is clearly a scheme to steal money from their customers by way of fees and duplicate payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been attempting to pay down my student loans for the past 17 years and have repeatedly had payments in excess of the minimum due either misapplied or not applied at all. For example, a payment on XX/XX/XXXX was lost, after the check was included in a separate envelope attached to my letter asking for the overpayment amount to be applied to the principal balance on my account without advancing the due date. Additionally, I have twice been charged late fees in spite of never having missed a due date. Late fees were charged to my account on XX/XX/XXXX and again on XX/XX/XXXX, in spite of no gaps in my payment history. 

Only after very carefully reviewing my account, did I discover in late XX/XX/XXXX that Navient was not applying overpayment amounts correctly. Routinely, in spite of providing two separate letters to Navient with clear instructions, Navient would apply overpayment amounts by advancing the due date. This obviously allows Navient to collect interest on a higher principal balance. This issue was addressed through numerous phone calls and eventually the payments were correctly applied. However, the issue continues. On XX/XX/XXXX, Navient again applied an overpayment incorrectly, again with clear instructions on how to apply the payment correctly. 

Unfortunately, I do not have time each month to spend days working to ensure that my payment is applied correctly. I have regrettably resorted, recently, to paying the minimum amount due, so as to avoid the numerous hours and trouble that almost certainly ensues when I attempt to pay toward the principal balance. I would guess that this is precisely what Navient would hope for when making it difficult to pay down student loans. Again, it is not a minor inconvenience ; these practices are a very real impediment to paying off my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Made a complaint previously and received documents from ocwen and upon reviewing them myself and with a lawyer, there a numerous mistakes that need to be corrected immediately! There a $ XXXX {$89.00} unnecessary fees applied/charged with ever payment made. On XXXX {$5600.00} in check form was " added '' to my principal as wel as that same amount being applied to interest and accusing a few of {$420.00}. Also, on XXXX, {$8800.00} was " added '' to my principal as well as {$2000.00} added to principal on that same date! On XXXX {$5000.00} was listed. I have numerous corporate advance adjustments that are unnecessary. Also according to my bank statements multiple payments that were paid on time were obviously held by company and then they credited them along with charging late fees. I have payments that were made by trustee during bankruptcy and the date he recorded paying is not what is documented by Litton and I also a cures late charges during both bankruptcies! Chapter XXXX in XXXX, and chapter XXXX in XXXX. I want these mistakes corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Payday loan) with QC HOLDINGS INC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I am behind on paying the loan, and take full responsibility. However, I am getting into trouble at work due to this company contacting my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Bank account or service (Checking account) with CITY NATIONAL BANK (MA).
Issue: Account opening, closing, or management

Complaint: On Thursday, XXXX XXXX I set up and was approved for a personal checking account with City National Bank. I was given an account number and routing number and was told by my account representative that I could begin immediately using the account and make appropriate direct deposit arrangements with companies or entities paying me to send money to my new account with City National Bank. On XXXX XXXX and XXXX XXXX I arranged with and did the appropriate paperwork with many companies and entities to being immediately sending money to my new account with CNB. My account rep at CNB also ordered and sent via XXXX overnight my Platinum Check Card and temporary pin number to me which I did receive on Monday, XXXX XXXX. Based on the account being opened on XXXX XXXX, I closed an account with a existing financial institution. On Monday, XXXX XXXX after informing over XXXX companies of my new account and new direct deposit instructions I was contacted by a very rude CNB representative stating my previously approved account was now being closed due to alleged negative information they received from ChexSystems. They were very uncooperative and insensitive to the fact that 4 days prior they approved the account and I had already made many arrangements for direct deposits to go to my new account. Emails to executives were with met with rudeness, disrespect and lies. The account was never reopened. I also was informed that if in fact XXXX had a negative report on me, CNB would have known immediately on XXXX XXXX when attempting to set up my account. Not 4 days later. This bank has caused a lot of unnecessary stress, wasted time and severely disrupted my life as now payments I was expecting will be delayed due to companies already changing bank info for direct deposits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2017 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (SC).
Issue: Problems when you are unable to pay

Complaint: The branch office filing lawsuits in magistrate court to collect on accounts that are 60 days past due. This is a breach of contract. I went to court on XX/XX/XXXX then 5 days letter I received a letter dated XX/XX/XXXX letting me know that my account had been transferred to the collection the department. Due to the fact that the branch office was claiming a payoff higher then my balance I have to appeal the judgement by the court. They are taking all customers to court to collect higher payoff then what is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian continues to report erroneous information on my credit report and will not allow my dispute to be processed. XXXX has removed these accounts as they were deemed fraudulent. Experian has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX XXXX # XXXXxxxx

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 06-07-2017 about Debt collection (I do not know) with AmeriCollect (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Account hold with no explanation.

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 04/20/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Late fee

Complaint: My citibank Mastercard had a due date of XXXX XXXX, 2016. This is a Sunday. 
I paid my Mastercard bill, using my online banking, on Monday XXXX XXXX, 2016. 
Citibank charged me a {$27.00} late fee. 
I called and asked them to refund this fee and they refused. The reason they gave is that I had already received a refund of a late fee in calendar year 2016 and that their policy is to forgive only XXXX per year. 
I pointed out that my payment was not late, due to the impossibility of my paying it on Sunday XXXX 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 monetary relief
Consumer complaint received 03-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: CHASE CHARGED OFF THE ACCOUNT THAT WAS PAID AS AGREED ( BY MY EX SPOUSE ) WITH NO LATES ... .IT IS DAMAGING TO MY CREDIT REPORT AND IT IS STILL REPORTING A BALANCE DUE ... THIS IS NOT MY LIABILITY IN FIRST PLACE!!!

Company response to consumer: Closed with explanation