milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Vehicle loan or lease (Loan) with First Investors Financial Services Group, Inc. (OH).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I submitted a complaint in XXXX of this year because they refused to help me when I was behind. They offered me a fresh start program. I submitted the paperwork immediately only to be informed that it was most likely " lost on the managers desk '' so I submitted it again when I got a letter after jumping hoops and talking to manager of fresh start department. I scheduled a payment and was told it was all set up. Then I go out of town last week for my gmas funeral. I notice Saturday that my payment did not come out. I call within the grace period of my loan to make a payment to be told the grace period no longer exists when in the program. I was never informed that. I am so confused on whether it was set up correctly even. This company is so confusing and never mail paperwork on policies or send confirmation that you are set up so you just have to wait and see. My payment was scheduled when it was all set up. Why did n't it get processed and even when it was n't processed ( their mistake ) why do n't I have a grace period?!! I am so confused. I can pay my loan on time. I want bi-weekly payments withdrawn automatically with my debit card on my pay dates from them. Then I can avoid this all. This is the second time I 've asked for that.

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 05-11-2016 about Mortgage (Conventional fixed mortgage) with Neighborhood Assistance Corporation of America ("NACA") (TX).
Issue: Settlement process and costs

Complaint: The current issue is with the NACA HAND / Rehab Dept. I have been attempting to communicate and to have final inspection of the house / rehab work conducted. HAND needs to disburse rehab funds, to the contractor, that are held in escrow as part of the loan / funding agreement with XXXX XXXX XXXX. Funds will be disbursed, once rehab work is inspected by a NACA assigned and certified inspector. The initial request for final inspection, was sent XX/XX/XXXX ; via fax, as instructed on the HAND docs. Follow-up email sent to HAND Rep on XXXX XXXX 2016 - To no answer. After multiple phone calls, voice mails, faxes, and emails to the NACA HAND Dept / assigned rep of the past couple of months, I have not been able to functionally converse with anyone ; to finish this process. I have been contacted by over XXXX HAND reps, and have been copied on XXXX requests to inspectors, to no outcome. This has been on-going for nearly 3 months ( 80+ days ) which is highly unacceptable. Most recent email requesting to communicate sent on XXXX/XXXX/16. 

The contractor has threatened to file suit against myself, and NACA. Which at this point would be honestly justified. In accordance I, the loan holder, will also file suit against NACA. The HAND department has shown an abundance of avoidance, and gross negligence, to properly conduct a functioning business ; with reasonable and ethical standards of practice. As a personal result to this ; from the avoidance to pay the debt owed to the contractor ; by NACA. I now fear my phone ringing, in fear that it is the contractor. And I have no answer to provide on payment. In short : NACA owes the contractor for work completed in the property I reside in, and I am reminded of that fact daily. I am not used to collection practices, nor have accounts that are late or in collections. And in whole, this process has been interfering with my time, and interfering with my work. As the only time to attempt to reach HAND is during my working hours. More often than not, to a phone that goes un-answered. I can not continue to step away to hope someone at NACA answers a phone, or to send another email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is sending me false documents. The letters have the exact contact information and pretty much the same letter but they changed name to original creditor on the NOTICE of INTENT. Also, they stating I have not dispute and I have confirmation that they did receive my disputing letter. I also called XXXX XXXX XXXX and they are unaware of this letter. If these accounts is not deleted IMMEDIATELY from all XXXX credit bureaus, I will file a lawsuit! 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Payday loan () with Delbert Services (PA).
Issue: Can't contact lender

Complaint: I RECEIVED A LOAN FROM WESTERN SKY IN XX/XX/XXXX FOR XXXX...THEY IMMEDIATELY SET UP A PAYMENT PLAN FOR XXXX PLUS INTEREST, THEY LATER STATED THAT XXXX WAS PROCESSING FEES...IT WAS THEN SOLD XXXX...I HAVE PAID BACK APPROX XXXX TO XXXX, MAYBE A LITTLE MORE...I HAVE SENT THEM EMAILS ASKING THEM TO RECALCULATE MY LOAN BASED ON MY STATES INTEREST RATES (6%) ..I LIVE IN PENNSYLVANNIA...THEY REFUSE TO ACKNOWLEDGE MY EMAILS BUT XXXX RETURNED AN EMAIL STATING THEY WILL BE TURNING ME OVER TO THE CREDIT BUREAU...SINCE THEN OTHER DEBT COLLECTORS HAVE CALLED ME REGARDING THE BALANCE WHICH IS WELL OVER XXXX....HOW CAN I GET THEM TO REMOVE THE NEGATIVE INFORMATION FROM THE CREDIT BUREAUS AND CLOSE THIS ACCOUNT SO OTHER DEBT COLLECTORS WILL STOP BOTHERING ME ABOUT IT...THANKYOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: have a non profit pnc bank account for years. not used it since XXXX-2016 went to atm yesterday for deposit. account deactivated by bank received no notice. also find out that during that time service fees were charged to it. I was not made aware it was subject to these fees. they were taken. a total of XXXX dollars and change. its bad enough to have account deactivated with no notice regardless of their rules its another thing to receive no disclosures as a result and get fees taken out. bottom line if they charge fees I will need to go elsewhere for now I have a big grant coming in and will despoit elsewhere. please see to it I am refunded these service fees and account is reactivated. NOT my fault. would never think bank would do it with no notice. also if no waiver can be applied then I will be moving on.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with TD BANK US HOLDING COMPANY (VA).
Issue: Other

Complaint: i am not request for credit card from target company on XXXX/XXXX/2016, on my credit report they showing HARD in quire on that day can you please help me to dispute the report because i am ready have the debit card for target i do not need that card thank you very much for you support

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I was a XXXX customer. I decided in XXXX to go with XXXX and ended the services with XXXX. I called XXXX and requested boxes to send their converter boxes to them. The boxes were delivered to me and I packed the converter boxes to be shipped back to XXXX. The representative that I spoke with in late XXXX stated that the boxes would be picked up after I packed them by XXXX. After speaking with her I realized that I had another question for the representative and called back. The next representative stated to me that the boxes were outdated and I could throw them away. I stated to her that I would not throw them away but send them back to XXXX. The representative stated that even if I sent the boxes back to XXXX, I would not be given credit because the boxes were outdated and I needed to just pay for them. I stated to the representative that I would send the boxes back and they could do whatever they needed to do with the boxes. 

It showed upon my credit report that I owed XXXX {$680.00}, I disputed this back in XXXX and it was removed from my credit report in XXXX. Now it is back on my credit report but with a different collection agency. I do not owe this debt, XXXX is trying to make me pay for their outdated boxes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Mortgage (Other type of mortgage) with NAVY FEDERAL CREDIT UNION (MA).
Issue: Closing on a mortgage

Complaint: I am a XXXX who has been working with my clients for almost a year and a half. My clients are from XXXX and are retiring here in XXXX. I began this process with them inXX/XX/XXXXwhen we meet in XXXX XXXX XX/XX/XXXXto discuss their particular situation and when they were looking to move here. I knew that they would not be moving till spring/summerXX/XX/XXXX but would be coming to XXXX frequently to see homes that interested them. About 9 months into the process I received an email from my client that she had been working with Navy Federal Credit Union on their preapproval and wanted to know if I was affiliated with them. She states in her email ( attached here ) " We are considering pre-approval with Navy Federal Credit Union. We 've been told that we can get a reduced mortgage rate with a realtor associated with them '' I informed them that it is a RESPA violation and that is steering. Through the next 5 months my clients continued to work with me, making several trips to XXXX to look at homes. The last time they came back was the week ofXX/XX/XXXX at which point we were going to look at a bunch of homes and hopefully put an offer in on one. I advised that they bring their preapproval as we would need that to submit and offer. They viewed some rentals when in town because they were not sure they would find something and wanted to move back ASAP. Without me knowing they went to see a house and feel in love with it. After all the paperwork was done they emailed me to let me know they had found the one. I was a little taken back by this and emailed asking if I had done something wrong ( emailed attached ). I was advised that I had done nothing wrong and that they LOVED working with me ( email attached ). They wrote me a fantastic recommendation on XXXX and stated " Our final commitment to XXXX XXXX and the house that we 're buying was based on NFCU and their partner program, XXXX XXXX ''. ( Email attached ) So after a year and a half of working with my clients, they find a house and NFCU tells them to use one of their realtors affiliated with them to submit the offer and NFCU will give them a reduced mortgage rate. I do not believe this is legal and this is also steering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Other debt) with Allied Interstate LLC (NY).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before 9 am and after 9 pm. The company is allied interstate.

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 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Was sent new unsolicited cc by barclays and they cancelled my cards because they said they sent me new unsolicited upgraded cc and i never activated the new one. THEN THEY SAID I ACTIVATED THE NEW ONE AND USED THE OLD ONE BY MISTAKE. NOT POSSIBLE I CUT UP OLD CARDS WHEN NEW CARDS COME 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
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: XX/XX/14-we sent Ocwen {$5000.00} ; arrears were at this time {$8800.00}. Ocwen stated that unless we had the total amount they would not accept any amount, but they took the {$5000.00} ; and did not return it. We ask for a repayment plan ; they said no! But when the loan go to be XXXX, they came up with a ridiculous repayment that was more than our monthly income behind. We asked how can you offer a repayment when the loan was $ XXXX and not offer it when the loan repayment would have been affordable? Ocwen had not answer. We ask for a modification ; Ocwen drug that process along numerous months to the point that it was unaffordable. It was {$30.00} over the allowed government amount for assistance? This was trickery on their part because how can you say you wo n't accept anything less than the total arrears and then you took the XXXX and then would n't offer a repayment plan? it was a set up for failure. Ocwen says helping homeowners is what we do. Hurting homeowners is what they did. Ocwen lied and misled ; took our money, but stated they would n't take anything less than the arrears. Ocwen could have easily fixed this, but foreclosure is what they seemed to be aiming for from the beginning. This is right..double tongued and lied, but yet they still took our money and would n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the cosigner on this loan. Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. Borrower contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on borrower 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured the borrower that the payment would be properly applied. During borrower 's most recent call the original representative would not transfer him to a supervisor. After being transferred to another representative and waiting, borrower was finally transferred to a supervisor. The supervisor informed borrower that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both the borrower 's and my credit report and score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Solidus Group LLC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a phone call from ( XXXX ), which claimed it was collecting {$1200.00} on behalf of XXXX XXXX. I contacted XXXX, who said there was no such debt, and warned me to not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: I am writing to complain about Champion Mortgage Co. I 've had nothing but problem with this company in the past. They have made so many mistakes in the past especially with transactions History. which I am not disputing some of them waiting to hear back from them about this. My father did a reverse mortgage on the house that I now own. My father XXXX XXXX on XXXX XXXX, XXXX and left me the house. On XXXX I received a letter from Champion Mortgage telling me that they had received the funds and posted the payoff on XXXX to the reverse mortgage loan in the amount of {$330000.00}. Therefore the reverse mortgage is now paid in full. I had to sign a listing agreement to keep from losing the home. with it now paid in full I am trying to get a full reconveyance from this Company and I am getting the run around. They transferred my fathers loan over to reverse mortgage solutions whom I 've been in touch with and told them about the letter from Champion Mortgage which they should of already had if Champion turned over all the proper paperwork. Ive faxed over to XXXX the copy of the letter and I am still getting no where. They tell me they need a copy of my fathers XXXX XXXX which they again should of already had so I faxed that over to XXXX. They tell me no your loan is n't paid off. Well yes it is. I am not going to stand here and let them tell me this was also a mistake. Just how many more mistakes has this company made. They said they received the funds, so Im assuming my dad had something set up to pay it off when he XXXX XXXX  because they said they received the funds and it was now paid in full. All I want is a full reconveyance so that I may be able to move on in my life. I 'm tired of the run around I get from these people this is why peoples homes go into foreclosure because you ca n't get anywhere with them. Even after you 've done all that they ask you to do its always something eles they need. If you read up on the consumers affairs reviews for Both Champion Mortgage and XXXX they are nothing but BAD reviews on the both of them. so many people have lost their homes because of them and I do n't intend to be one of them.Its already been over a month since they sent me this letter and Ive heard nothing from Champion Mortgage and they wont talk to me because they turned the loan over to XXXX.And XXXX keeps giving me the run around/ I do n't know what they do n't get about my loan been PAID IN FULL. I 'm attaching a the letter to this so you can see it for yourself. Anything you can do to help me get my full reconveyance would be appreciated so I am not another one of their victims.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: DEAR CFPB, this complaint is in response to a correspondance from the OCC 's XXXX dept. case # XXXX concerning what I assume is some credit card debt that does not belong to I, XXXX XXXX XXXX and a judgment is in the public record that is erronously appearing on XXXX XXXX credit file unjustly. Please refer to case # XXXX. The agency Resurgent Capital Services is the entity who responded to my complaint against XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My account with Capital One Auto has had many late payments reported to the credit bureaus even after I paid the payments to them. Their system had some problems processing my payments so after I paid the payment they never took out the funds and then never notified me the payment did not go through even though I had the money for the payment. I have many many, many calls to them complaining about this problem which they never had a solution for or any action taken. They said it was my bank but I have never had any problems with any other company including a credit card I have with the same XXXX XXXX XXXX. This problem has ruined my credit. 
I would like the late payments removed from my credit report on all three credit bureaus. 
I do not have any late payments with any of my other creditors and have never had this problem with any other bills I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from Equifax.

Company response to consumer: Closed with explanation