milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Starting in  XXXX  o f 2017, Navient  had sent emails regarding my student loan with them. The amount owed had changed several times over the past months and I am having difficulty making payments as they are so high. I am in a loan rehabilitation program with another company which is worries because they took into account my income and expenses, which leaves very little leftover. However Navient simply looked at my income and gave no one probably to lower payments delay then at all. I 've tried to contact them about this with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OK).
Issue: Managing the loan or lease

Complaint: Ally Financial has been charging a fee for late payment when I have been paying the amount due as shown on the online summary. So instead of allowing me to pay for the amount due and also any additional fees on the account they only allow the amounts paid to apply to the principle and do not tell you or advise you that any overpayment is only applied to principle and will not be applied to fees. They then XXXX fees based on the original infraction without telling you.

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 04-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I need assistance with getting incorrect information removed my credit file. 
I have sent certified mail to all XXXX credit bureau and reporting agency and have been unsuccessful. 
1. Inquiries- un-authorized2. collections account I want proof with my signature establishing/bonding me to a contract of such said debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Checking or savings account (Checking account) with NETSPEND CORPORATION (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hello CFPB, Thank you so much for taking care of helpless customers who need to deal with some poor regulated bank. 

I am writing to complain Netspend ( XXXX XXXX ). My name is XXXX XXXX. My card number is XXXX. XXXX last year 2016 I opened both checking and savings account. At that time I chose the account plan - " Pay as you go '', which charges me a fee when I use the card but does not charge me any monthly fee. 

However, recently I found out that my account was locked ( not sure when did this happen ) and I did n't get any notice during this whole year. They actually had my email address and my phone number on file. They locked my account and banned me from accessing my money without ANY notice, nor did they verify my identity before doing this. 

I just got access to my account these days and was surprised to find that I was charged monthly fee of {$5.00} for more than 1.5 years. Their representative could do nothing but kept asking many questions, and totally wasted my time. Every time I asked them to transfer me to their supervisor, the music is going on for around 1 hour, and another similar representative picked the call. Those people are just stonewalling and wasting customer 's time. 

Right now I strongly suspect they lock customer 's account in purpose and then charge fees on their account. 

Thanks. Thank you so much!

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 02/17/2016 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a house XX/XX/XXXX using BBVA compass for the mortgage. Since that time I have been utterly amazed at how difficult they make it to make additional principle payments. I had my XXXX mortgage through XXXX and it was as easy as you would expect, I was able to adjust my monthly auto-pay to whatever amount I want and make additional principle payments as I desired. BBVA has policies that only allow the auto payments to be the base payment/amount owed, thus limiting the amount of principle paid. When I tried to make a XXXX from my outside account, it showed up as " unapplied payment '' when I called to ask about it I was told it would switch to " principle payment '' after the next cycle, it did n't. Now I have talked with them and the only way to pay additional principle ( that is even mildly convenient ) is to cancel auto-pay and mail them checks. They told me that if I set up a checking account through them it would be easy to make payments. What they did n't tell me in that conversation was that setting up a checking account would come with it 's own headaches. So, just to simplify the issue, I think the practices/policies of BBVA compass for mortgages auto-pay are designed to dissuade costumers from making additional principle payments and I view this as an unethical policy.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Williams and Fudge is trying to collect a debt from the school XXXX XXXX of XXXX. I do not owe that money because the XXXX XXXX schools are being shut down due to multiple accounts of predatory lending and usage of high - pressure tactics to increase enrollment. Over half of these schools are already closed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle loan) with PARK NATIONAL CORPORATION (OH).
Issue: Taking out the loan or lease

Complaint: I entered into a contract with XXXX XXXX XXXX XXXX in XXXX, Ohio ( buy here pay here auto sales ). The car sold was a lemon and the transmission died on the vehicle early in the loan. XXXX XXXX Would not help me and sent me to call Guardian Finance whom bought out the loan on the vehicle. I was told by XXXX to send the car to an approved auto body shop and she would approve for the car to get fixed ; then she would take the price of the fix on the car and put it on the back of my loan. XXXX reneged on this deal after a verbal agreement was made. XXXX approved for the car to get fixed then told me I owed upfront for the car and an incurring balance for the car 's loan. I was unable to pay {$3000.00} for this process and the car was commandeered instead. Guardian Finance sued me for the {$3000.00} ; posted on my credit report that I owed {$3500.00} with them and {$3000.00} with the courts. The creditor proceeded to harass me and my family for the money telling family and friends that I owed on another amount for the loan. Now, Guardian Finance has reported on my credit report that I owe them {$8000.00} instead of {$3500.00}. This car was resold after being fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with The LGM Co., Inc. (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: XXXX XXXX XXXX XXXX secured me a loan thru LGM auto finance to purchase a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was given 2 different 30 day tags from XXXX XXXX XXXX because I could not get tags thru the ohio XXXX since the car I purchased still had not been registered with the state of ohio. Even tho it is suppose to be within 45 days I believe. I continued to male payments and try to work out tghe problem because I wanted the car. After making payments for about 6 months and not driving the car for about 4 months ( because the car was still not registered and I could not get tags ), I informed LGM I would no longer be making payments for the car until I could get tags and to discontinue automatic debit of my payments. LGM then ran {$100.00} dollar payments thru my checking account until they were unable to. Lgm then ran {$50.00} payments thru my checking account until they were unable to. After they were done running payments, I had {$3.00} and some change left in my account. I contacted my bank and stopped them from accessing my account again but could not recover the money. I had no money. Could not use my car. And eventually had to file bankruptcy to get out of the car loan. After the bankruptcy was discharged, the car was eventually repossessed. Since it has been repossessed on XX/XX/XXXX, my personal property inside the vehicle has been held for ransom. I have contacted LGM and XXXX XXXX multiple times to recover my property. Neither company will return my property unless I pay them {$50.00}. On XX/XX/XXXX I was sent an email from XXXX XXXX stating I have to pay {$50.00} for my personal items for storage. I contacted XXXX on XX/XX/XXXX, the same day the car was repossessed to pick up my items. I was told that day ( XX/XX/XXXX ) I had to pay {$50.00} to get my things. If I was allowed to retrieve my items on XX/XX/XXXX, there would have been no need for storage or a storage fee but I was denied access to my personal property.

Company response to consumer: Untimely response
Consumer complaint received 03/23/2017 about Debt collection (Medical) with Alpha Recovery Corp (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Insurance company paid the contractual amount. They later sent them a statement telling them the amount was paid and that I owed a XXXX balance. I have a copy of this letter ( sent by XXXX XXXX ) complete with the electronic transfer amount, numbers, etc. Now I am being hounded by debt collectors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: 1. I am making payments on my mortgage every 2 weeks before the payment is due and the bank is not reducing the principal until the second payment is reached. 
2. I contacted the bank and they say they do not apply partial payments, however the payment is being paid before the due date 3. I spoke with XXXX XXXX says I do n't have to pay that way if I do n't like it

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 Debt collection (Non-federal student loan) with ACCESS GROUP INC. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Revenue Assurance Professionals LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently disputed three collection accounts with XXXX. After checking my previous credit report ( XX/XX/XXXX ) with my most current dispute ( XX/XX/XXXX ), it appears that the accounts have been re-aged, which is illegal.The collection reported date on my most recent credit report is XX/XX/XXXX for all accounts being disputed. The previous report dated XX/XX/XXXX, shows the collection reported date as XX/XX/XXXX. I have asked the original credit to provide me with documents confirming this account belongs to me. They have failed to do so. Each disputes comes back verified by XXXX. I do not believe XXXX is verifying these accounts. I have attached both credit reports with the account in which I am submitting a compliant for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (CA).
Issue: Confusing or misleading advertising or marketing

Complaint: I receive daily multiple calls from this company and I have tried to tell them I am on the DO NOT CALL list. I keep asking they put me on their do not call list. Yet I still keep getting calls claiming I have something outstanding with them and they can help repair my credit. I want them to remove my number from their call list FOREVER and never to call me again. First they state they are with Helping hands and then they state they are with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (I do not know) with Regional Processing Services (NH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On XX/XX/XXXX at approximately XXXX I received a message from a man telling me that he was coming to my place of work the following day to serve me with court documents relating to an arrest and I would need to sign them, as well as my HR rep or manager. He never came. Today I got a call ( XX/XX/XXXX at approximately XXXX ) stating the same thing and they provided a number to call along with a case ID. A friend of mine called, stating she was not me but was calling about information on a case. They proceeded to tell her ALL of my personal information, name, address, email address, social security number, date of birth, etc. They told her all the details about the apparent open case. This is a HUGE invasion of privacy, not once did she verify any information, she even stated she was not me. Once the debt collector realized it was not me, she stated " Oh you confirmed your name, address and social '' The friend said, no I never did, I do n't even know who XXXX is. At that point the collector abruptly hung up on her. Attempts to call back were unanswered. My personal, private information is being given out by the company and they are threatening me on a daily basis. 
Caller name : XXXX XXXX-impersonating XXXX County state employee XXXX said it was from Regional Processing LLC regarding breach of contract

Company response to consumer: Untimely response
Consumer complaint received 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I XXXX XXXX and my brother XXXX XXXX were contacted by HUNTER WARFIELD COLLECTION AGENCY ( XXXX ) XXXX, stating that we owe the amount of {$8000.00} which owed to their client, XXXX AT XXXX XXXX address : XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 
I XXXX XXXX and my brother XXXX XXXX no longer live at XXXX at XXXX apartments from the address above since XXXX XXXX, 2015, due to the purchase of my new house and the balance that we owed was zero dollars at that time. 
As the agreement we came on with Property manager XXXX XXXX XXXX on XXXX XXXX, 2015, in finding the new tenants XXXX XXXX XXXX and her roommate to take over the remaining of the lease and all rent responsibilities. XXXX XXXX agreed to tenant replacement and notice letter was given to her on XXXX XXXX, 2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Many inquiries reporting on my credit report that I did not give written or verbal consent or permission to make a credit inquiry. I did not apply for credit services, sign an application, or give an affirmation consent to pull my credit report or otherwise indicate that I 'm applying for their services.

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 08-05-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax dropped my credit score XXXX points for XXXX inquiry from credit plus for a mortgage inquiry. The credit score went from XXXX to XXXX WHY DID MY SCORE DROP XXXX PIONTS FOR XXXX INQUIRY??????? 
I am closing on a home and this has killed my credit!!!!!! 

RESTORE MY GOOD CREDIT!!!!!!! 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX dob XXXX/XXXX/68

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Consumer Loan (Vehicle lease) with CarMax, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I purschased a car from Carmax back in 2013 and have not even had the vehicle over 24 months and the transmissioon has been replaced twice by XXXX which carmax is contracted with and transmission was replaced again 3 months later and i 'm still having technical difficulties with the vehicle the transmission still signaling transmission hot idle engine, however I believe Carmax may have sold me a bad vehicle when i purschased the vehicle it had about XXXX miles and now well under XXXX again the vehicle should not have given me major problem in so little time, i believe i was leased a bad vehicle and would like a replacement car or refunded some of my money back for dealing with the issue and i do n't want to move forward with the same problem after it reached the maxium mileage and not covered under warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan with Ocwen for my home, it was sold to them by GMAC, it is a FHA loan. Besides them being a repulsive company, I lost my job in XXXX 2015, I am a single mom, so I filed for assistance right away and it is now end of 2015 and I am still battling Owen. I have the FHA involved, I filed with the Attorney General office and still I am dealing with these losers. I have endless documents I can flex your office but in short- there is a Special Forbearance FHA program for those that lost their job, Owen denied me??? I have demanded a response to that and still nothing, Ocwen said I did not qualify because I did not have unemployment benefits- well I did and they have that proof!!! They completely ignore me. They made me do a modification packet, I am working again but behind on everything because I had to borrow money to make my payments when I was unemployed. Its a mess and the longer Owen drags it out the worse it gets. Bottom line, I should have received assistance when I was unemployed and second I should have had a modification by now. Owen continues to ask for documents I have already sent, XXXX or XXXX times! I work with their Ombudsman office now and they fax documents to the underwriters for me. They can see my documents but the reps in the Ombudsman office tell me they are not getting uploaded to the underwriters. Really! Then when the underwriter have everything they then send a letter saying now it is outdated and want new stuff. This is sickening, I am losing my mind and stressed bother tactics and I feel for those that do n't know how to challenge Owen. Please assist me ASAP. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XX/XX/XXXX I graduated from XXXX with a {$9000.00} loan. I was given a gift of {$2000.00} from my parents upon graduating which I put towards my loan bringing it to {$7000.00}. Myself and other colleagues where let go from our position due to downsizing and I requested an income based payment option. The person at Navient said they would lower my payments but failed to mention that {$2000.00} was going to be added to my principal. Also my payments from XX/XX/XXXX-XX/XX/XXXX was mismanaged as I was making payments on the interest alone and nothing was going towards the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SHARP COLLECTIONS, INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was charged with a collection involving taxs for a specific county in PA for XX/XX/XXXX/XX/XX/XXXX All information presented by Sharpe collections was incorrect, false, misleading and not adequately vetted. Supporting documents proving the Tax 's where indeed paid where presented to Sharpe via mail. I have been repeatedly harassed by Sharpe for at least the last XXXX yrs. I have sent letters requesting them to stop harassing me and they continue to send out collection letters. Frankly I am writing this as a last attempt to have them stop harassing me or I will take this to an attorney. I DO NOT OWE ANY COUNTY TAXS. I like other people am sick and tired of being provoked by Sharpe collections with false and misleading information. I want them out of my LIFE ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation