milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Making/receiving payments, sending money

Complaint: I recently purchased a vehicle from a dealership in XXXX, KY. Even though I had financing approved through my credit union, the dealer talked me into going with a Capital One auto loan at a slightly lower interest rate. I asked the dealer if I would be able to make payments ahead of schedule and have them count toward future payments. I have always paid ahead on previous auto loans. Part of my income is on a commission basis and I want to be able to be a few months ahead on my payments as insurance against a slow month that could be caused by illness, or a lack of work. I was assured I would be able to do this with this loan. I received a welcome call from a Capital One representative and I was again assured by the Capital One rep that I would be able to pay a few months ahead on the loan. When the loan was set up and I attempted to make an extra payment I found additional payments only went toward the principal and would not count toward my future monthly payments. I protested this fact to Capital One and I received a phone call from a person in their corporate office telling me I could call them when I made a payment and they would credit it toward my next month 's payment. I attempted to do this, but the online site will not let me make a payment until my previous due date has passed. To me this is deceptive and gives me a course for failure. First of all, not being able to make a payment ahead increases the amount of interest they can collect from me. Putting additional payments only toward the principal and not toward future payments due is a course to failure. I could be the equivalent of several months ahead in payments, but if I am unable to make a full payment within a 30 day period, I could face possible repossession of the vehicle even though I am way ahead in my payments. I feel this practice is deceptive. It does not give me the option of paying months ahead on my loan and it seems like a purposeful ploy to get an extra chance to reposes the vehicle, even though payments are ahead of schedule ... Especially after I was verbally assured twice in the loan process I would be able to get ahead on my payments. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a mortgage modification in XX/XX/XXXX. It took two plus years for them to process all of my paperwork. The relationship manager said I had XXXX make XXXX payments in order for the loan to be modified, I made all payments and submitted all forms as requested. I never received anything from Ocwen saying the loan was modified, I sent several emails to my relationship manager as well as calling customer service, the last email I received from my relationship manager in XXXX stated the loan was being modified and I would be receiving payment coupons soon, what I received was a letter in XXXX stating I owed {$3000.00} dollars in back payments and the loan was modified as of XX/XX/XXXX. I asked how that was possible, I submitted all email correspondence to several relationship managers and the research department, I have proof of the payments made through XXXX as requested by the relationship manager, when requested by the relationship manager for Ocwen. My credit has been negatively impacted, my loan is in default again, and the company will not offer reasonable resolutions based on their errors, poor communication, several different relationship managers and customer service representatives handling the matter, and based on the fact I submitted all payments and documents when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX ) deducted approx. {$150.00} in excess of the am't to which I had agreed, - WITHOUT ANY NOTICE, oral or written to me. XXXX is XXXX ( at least ) lender in line. XXXX ( Complainant ) has never had any lapse in casualty insurance, or tax, provision ( s ) for the entire life of the loan! XXXX has taken a chge of {$270.00} " owed '' for alleged failure to maintain hazard ins on said prop'ty [ defined as XXXX XXXX personal residence XXXX has provided only dunning letters, giving NO information. XXXX that XXXX is specifically attacking XXXX on the basis of 1 ) XXXX and2 ) XXXX Plaintiff in # XXXX of XXXX " XXXX '' cases. XXXX XXXX hazard ins co. broker faxed proof of continuing coverage on XXXX/XXXX/2015 to XXXX Co.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have my credit report and there is a fraud on my report. It states that I had XXXX at XXXX XXXX XXXX XXXX pa XXXX and ran the bill up to XXXX dollar 's. I have been living at XXXX XXXX XXXX for 10 years and never moved!!! I used to work for XXXX for 3 yearsyears from XXXX to XXXX at the same address that I live now!! So I believe that had to be an inside job using my information at a different address. Please look in to this matter and get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please consider my request for support and assistance to have XXXX XXXX  Update the Account Information and Payment Status on Our Credit Reports. I am newly XXXX and this situation is more than either I or my husband can handle. We have expressed our request and concerns to the lender or various occations to no avail, each time we get some one different on the phone and it appears they dont care or dont understand what im asking for. Please assist us in resolving this matter? My husband XXXX XXXX and I have an Open Active vehicle loan account of which we pay monthly payment of XXXX as agreed upon ; However upon reviewing our credit reports for both myself and my husband XXXX XXXX The XXXX XXXX account reflects in a " CHARGE OFF '' status and - that is not correct. I believe this is miss information that stems from a time when we began to go thru financial difficulties due to my failing health and loss of income - I was laid off from my employer XXXX XXXX XXXX, this vehicle account should Not have gone to a " Charge off '' status. I have been going through a medical crisis because I have XXXX and my XXXX were XXXX, which finally resulted in a financial hardship at one point we considered doing a bankruptcy but decided we did not need to bankrupt we could just work with the creditors direct - this is what we did with XXXX XXXX we reached out to the lender and learned what the total amount to bring us current was and we were informed that if we payed XXXX this was the amount that " would bring us current with the next payment due the following month, and that would cure what we were behind ''. I was very ill due to chronic condition called XXXX XXXX - it has currently damaged my XXXX function to the point that I have what is considered end stage XXXX XXXX and am now on XXXX awaiting a XXXX donor. - At the time we bought the vehicle my health was in a very different position- I was healthy. I was employed full time and it was prior to my health failure. ( I was unable to continue to work for some time beyond my control and this was the beginning of our financial hardships, I was layed off and fell ill however, we stayed in communication as best we could to advise our payments were going to be running behind and always payed when we said we would. I am seeking relief from the constant damage XXXX XXXX has done to mine and my husbands credit report. Please update the credit report to show our payments Are up to date. I am concerned about making more payments than nessessary because I dont know how much we truly owe. I am XXXX and XXXX XXXX doesnt care about that I need help and support to fix this matter. Thank You kindly for your time and attention, Sincerely, XXXX XXXX and XXXX XXXX Reg : XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I attempted to mobile deposit a XXXX XXXX XXXX payroll check in the amount of XXXX, into my Bank of America Checking account. I was assured when calling Bank of America that funds would be available the next day after XXXX. The next day the funds did not show. I called Bank of America again on XX/XX/XXXX and was told there was a 9 day hold on my deposited funds. I have no funds available and my entire pay check is being held. The second rep I spoke to on XX/XX/XXXX, advised me to commit fraud and attempt to cash the paper check even though I had mobile deposited it and was told they could not cancel a deposit. After speaking with a supervisor I was informed that they would NOT call and verify payroll funds with XXXX XXXX XXXX and I would just need to wait for the funds to release over a week later. My check was deposited XX/XX/XXXX and I'm told it won't be available until XX/XX/XXXX. The check plainly says Payroll. 
This is my rent, my electricity, water, and my cable all LATE by a week because they don't want to call. Then you advise I commit fraud? Really?! Something has to be done to release my funds. I will loose my home. 9 days is too long when the telephone number to verify is printed on my payroll check.

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 Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX and XXXX pulled my credit without authorization and has lowered my Credit Score and prevented me from receiving a much needed loan with XXXX XXXX to expand my business. This intentional error in reporting and unauthorized inquiry has caused me monetary harm and inflicted undue stress and embarrassment to my family. Further we due to the nature of the inquiry we believe that the reason for this action was punitive in an effort to lower our credit scores to make us pay more for a loan with a different contractor. 

I was approved for a loan by XXXX in XXXX. The loan had a window of six months to add the costs of the project into the loan before it closed. XXXX did not complete the project in time and when they finally finished the loan had been closed to any more charges. So at that point and without our permission, written or otherwise, XXXX and XXXX decided to create a new loan account without authorization. At that time BOTH XXXX and XXXX pulled a copy of my credit report. This was a full seven months after we agreed to be considered for the first loan by XXXX, NOT XXXX. We were not contacted other than to tell us that a new loan have been made and our old account had been closed. 

I received notification through Experian credit watch tool that XXXX had ran my credit. I contacted XXXX about it and they basically told me to contact the credit reporting agency and they would remove the inquiry as they had made an error. As for XXXX they just automatically did a hard inquiry as though I had authorized them to create a new loan, I had not. 

This is unfair, punitive, and mindless assault on my family 's credibility and financial well being. I want those inquiries removed and the damages incurred remedied.

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 06/14/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other fee

Complaint: I have a Best Buy Credit Card which is run and managed by Citi Bank. I have XXXX promotional balances on this card. This card is also used for every day transactions. I kept getting interest charges even when I payed off my monthly use each month and could not figure out why. I finally found out that when I send in a check to pay for all of the transactions on this month 's bill ( the promotional balance is not due ), that check is not completely applied to the monthly transactions but rather also to the promotional balance. They do this so that they can charge me an interest charge. I have asked them to correct this and they say they can not. I 'm luckily diligent enough to figure out how they are incorrectly applying this interest charge but how many other people are being abused? This is stealing. I have n't lost any money because I catch it and spend 30 mins on the phone with them each month correcting it. But I have lost valuable time. This has been going on for 1.5 years.

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 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX Is reporting to my credit report false information and Credit Agency XXXX | Experian have removed my real account. 
False Account Reported is # XXXX $ XXXX collection or deliquent, My real Account which was deleted is # XXXX $ XXXX paid off in good standing, they deleted my account and left the # XXXX on my file. Please have this report removed immediatly from XXXX and Experian, they are in violation and defamation of my credit rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Can't contact lender

Complaint: I have made several request to Speedy Cash to Cease & Desist all phone calls and I still am receiving phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i received a call from a lady named XXXX with the phone number XXXX XXXX XXXX XXXX and shed said they were issuing a subpoena for court to be sued. She then directed me to call XXXX XXXX XXXX to see the reason why i was being sued. XXXX then asked for the number XXXX gave me which was XXXX XXXX XXXX so i gave that to her and she came back to me with the reason i was being sued was for a debt with HSBC which was a credit card debt that was back in XXXX they have called me XXXX times threatening on this matter. telling me that the debt will XXXX if they have to take me to court and trying to force me to pay the {$1400.00} something that i owe. my dad private attroney said to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THIS IS MY 3RD RE-INVESTIGATION AND I WILL DISPUTE EVERY WEEK IF NEEDED. OR HIRE A ATTORNEY. LETS MAKE SURE WE ARE ALL ON THE SAME PAGE. SOMEONE OPEN UP A FRAUDULENT BANPKRUTCY UNDER MY SS # IN XXXX XXXX NEVADA. A PLACE I NEVER LIVED NOR VISIT. IF YOU CONTACTED THE COMPANIES THEY GAVE ME 2 ADDRESS FOR XXXX XXXX THE ADDRESS WAS XXXX XXXX XXXX XXXX XXXX NEVADA XXXX XXXX XXXX XXXX ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX NEVADA. NOW IF THESES ACCOUNTS WERE PROPERLY VERIFIED THEY WOULD HAVE SEEN THAT THESE ACCOUNTS WERE OPEN IN XXXX XXXX NEVADA AGAIN WHERE I NEVER LIVED. THEN THE PERSON INCUDED THESE ACCOUNTS IN A CHAPTER XXXX BANKRUPTCY WHICH WAS REMOVED AS WELL AS A CAR AUTO LOAN THAT WAS OPEN UP IN XXXX XXXX NEVADA. HOW CAN YOU REMOVE SOE OF THE ACCOUNTS THAT WAS FRAUDULENT OPEN AND INCLUDED IN A BK BUT NOT ALL!!!!!!!!!!!!!!!!! PLEASE RE INVESTIGATE AND REMOVE THESES ACCOUNTS FROM MY CREDIT FILE. I HAVE FAXED AND MAILED OVER ALABAMA STATE ISSUED DRIVERS LICENSE AND STATE TAX RETURNS FROM THE MENTIONED OPEN DATES THAT THESE ACCOUNTS  WERE OPEN AND THEY STILL HAVENT BEEN REMOVED!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second request for help. My mortgage payments were not posted on the correct day. I never spoke to anyone at Bank of America about my problem. I received in the mail a letter about the processing time for night drop that I was not satisfied with.

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 06/13/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (FL).
Issue: Credit decision / Underwriting

Complaint: On XXXX/XXXX/2012, I sold my home via a cash sale. At the time Green Tree Servicing LLC ( XXXX XXXX XXXX was the mortgage holder ) discharged my mortgage after the sale was properly sold. The amount discharged was {$53000.00}, ( A XXXX Form was issued by Green Tree Servicing ). My credit report since 2012 reflected the cash sale with no amount outstanding or in arrears. Now comes Ditech Financial LLC from XXXX XXXX, SD and placed a balance of {$52000.00} on my credit report showing the amount is in arrears. It appears that Ditech Financial LLC bought the accounts from Green Tree Servicing or joing together. I became aware of this situation through my XXXX credit monitoring service, provided to Federal Employees. I want Ditech Financial to erase the amount it placed on my credit report, ASAP. This is damaging my credit now. Green Tree never placed the amount charged off as an amount in arrears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A review of my credit report shows an erroneous charge by XXXX of {$2300.00} ; for what I do not know. In 2011, I departed my rental unit with all rents paid. Now they seek an enormous sum of money for services I did not incur. They violate the Fair Debt Collection Act and the Consumer Protection Law. Their erroneous credit reporting has severely impacted my ability to live a normal life ; such as rent an apartment or purchase a car.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Late fee

Complaint: I had an account with Pay Pay Credit for several years. They sent me monthly statements to my email address and that would serve as my reminder of how much I owed and to pay my bill on line. For the past several months I no longer received a monthly statement ( though I would still receive an email when I made a transaction ). I occurred a late charge in XXXX of {$30.00} for a balance that was under {$130.00}. I complained to Pay Pay credit that I have not been rec'ing a monthly statement, customer service told me there was nothing that they could do and I cancelled my account. I asked Pay Pay credit customer service to start sending me a paper statement. In XXXX I did n't receive a statement and went on-line to pay my bill and again was a day late therefore I was charged a {$30.00} late fee again on a balance that was under {$100.00}! I called Customer Service again they said they could n't help me and that they would n't take off the late fee! They can not prove that they are sending me monthly statements! They are purposely not sending me a monthly bill so that I can keep paying high penalties on my low balance! They are cheating me out of money and they ARE NOT sending me a monthly bill ... I 've checked my email, junk mail and deleted mail and there has never been a statement or monthly bill sent to my email address on record -

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For the last two months I have been attempting to have XXXX remove past due information for a student loan and they have only corrected this information off of XXXX and not Equifax. My calls to XXXX, the student loan servicing company go answered but I always receive the same information -- that as of XXXX XXXX, my account is current and in good standing. I do n't understand why they refuse to properly report to Equifax and have the information corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: Applied and approved for a loan from Big Picture Loans in the amount of {$800.00}. When signing the finance agreement, It only mentioned a single finance charge of {$280.00} which was acceptable which is about 35 % Interest. Through a bate and switch, I discovered that I would have to pay 5 payments of {$280.00} which the lender calls a finance charge which has little to no impact on the principal. The truth in lending that was not present at the time of signing shows a 989 % APR with {$6000.00} in finance charges and a {$6800.00} in total payments. I 've called the lender 5 times to resolve this issue and each time received numerous runarounds and call disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: In late XXXX, I opened a checking account using a promotion offering me {$400.00} if I opened an account and received XXXX deposits of {$250.00} of more within 60 days of account opening. I received XXXX deposits from my employer throughout XXXX but never received the {$400.00} that were promised. After contacting customer service, I was told repeatedly that I did not qualify for this offer because it was invite-only and I was not on their list, even though the offer page clearly showed my name.

Company response to consumer: Closed with explanation