milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with De Lage Landen Finance, LLC (NV).
Issue: Problem with the payoff process at the end of the loan

Complaint: I leased a copier from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$210.00} a month for 24 months. Upon receipt of the lease agreement it was incomplete and an illegible facsimile copy. Many of the details of the lease agreement were omitted such as the total cost of the lease at the end of the 24 months, the original purchase price of the copier and the copier 's serial number. However the lease agreement did indicate my end of lease option would be to purchase the copier for Fair Market Value ( FMV ) which would be provided by XXXX XXXX XXXX XXXX XXXX. At the end of the 24 month lease term which was XX/XX/XXXX I was not provided the Fair Market Value of the equipment nor was I placed on notice that the lease agreement would renew automatically every 60 days from XX/XX/XXXX. However, I did continue to receive invoices every month for an additional 48 months or 4 years for {$210.00}. This means the lease renewed 24 times in 4 years and not one time was I ever notified of the renewal or given the Fair Market Value on any of the invoices that I continue to receive. I have paid an additional {$10000.00} ( {$210.00} x 48 months ). Today I contacted XXXX of XXXX XXXX XXXX XXXX XXXX to inquire why have I continued to receive invoices for 6 years and this equipment still has not yet been paid in full. She explained that after the 24 month lease expired I could have purchased the equipment for {$1100.00} Fair Market Value. I was shocked that I was not advised of the Fair Market Value in any invoice or monthly statement that I had received. I then requested a FMV offer, invoice or statement via email from XXXX XXXX XXXX XXXX XXXX/XXXX to buy the equipment. I received an email stating the FMV or purchase price of the equipment would be {$54.00}. I feel this company has taken advantage of me and charged me an additional {$9200.00} ( {$10000.00} - {$1100.00} + {$54.00} ) over and beyond what the Fair Market Value would have been on XX/XX/XXXX. It is obvious to me that this company preyed on me with their incomplete and illegible lease agreement and would not have EVER provided me the Fair Market Value in their monthly billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Vehicle loan or lease (Loan) with BANK OF THE WEST (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On  XXXX   XXXX ,  XXXX , My husband and I went to   XXXX   XXXX   located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , to purchase a family van for our son who is  XXXX . The price of the vehicle including sales tax was {$70000.00}. We traded in our car, which they valued at {$19000.00} and we also put a down payment of {$8700.00}. I started making payments on  XXXX   XXXX ,  XXXX  of {$670.00} as per the agreement. In the months to follow I noticed that the principal is not reducing the way it should. I called the finance company Bank of the West  (  Address   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , Phone  XXXX  ) on  XXXX   XXXX ,  XXXX  and requested a transaction history due to not seeing the balance reduce. Also called  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  until they were finally able to send an amortization table. In review it seems that the fixed interest of 5.50 % is not fixed and has been fluctuating. I called once again  XXXX   XXXX ,  XXXX  and spoke with Customer Service representative  XXXX  who stated that there is a Per Diem of 8.23 % and questioned her what is a Per Diem and why was it not explained in the contract. She stated all car loans have a Per Diem the call disconnected. Called back the  XXXX  and spoke with another customer service representative  XXXX , and she was not able to locate anywhere on the contract that a Per Diem would be charged, she then ask ed her manager a nd he stated that the Daily Per Diem is not listed on the contract due to the Daily Per Diem changing each day. I do not find this to be good practice, this should have been disclosed. Also on the contract I noticed that the vehicle we traded in was not included as part of the down payment, they have yet to explain the reason. We purchased the vehicle for our son because he needs accessibility and mobility, it is hard for me to carry him on and off the   XXXX    for school  and Dr   XXXX  Appointments and family outings, for this company and finance company to take advantage of such a delicate situation is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Payday loan () with Big Picture Loans, LLC (SC).
Issue: Charged fees or interest I didn't expect

Complaint: charged an unbelievable interst rate that i wasnt aware of ... borrowed XXXX and i have to pay XXXX back ... when i thought i had to pay XXXX that was stated before i finalized the loan ... did know about the XXXX until the loan was finalized ... big picture loans apart of tribal loan company

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I SEE XXXX LATE PAYMENTS REPORTED ( CREDIT ) IN MY MORGAGE AND I HAVE ASK THIS BANK FOR THEM TO MOVE THE DUE DAY OF MY MORTGATE TO THE XXXX OF EVERY MONTH OR BECAUSE I GET PAY ON A BI-WEEKLY BASIS. I AM STILL PAYING FOR MY MORTGAGE AND THIS IS NOT FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this account was included in a chapter XXXX case # XXXX which was converted to Chapter XXXX case # XXXX in which all outstanding debt including medical bills to CREDIT SYSTEMS. This account has already been disputed once and removed. I am in the processing of purchasing and has now effected my credit score. I want this item removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: For the last several months I have requested a mortgage assistance package from Bank of America. Each time I request a package, the representative promises to mail it. Each time it never arrives. I do receive from Bank of America collection notices and other bills, but is n't if funny - the XXXX thing they will not send me is a mortgage assistance package. I am behind on my mortgage payment. By their actions, Bank of America prefers to profit from foreclosure instead of offering mortgage assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has negative items on my credit but XXXX is a 3rd party debt buyer that sells the loans as investment vehicles which means they do not have my loan any longer. Since they did not have my loan and do n't know where it is all negative marks should removed from, y credit. It is illegal for XXXX to collect money on a loan that XXXX no longer owns, this is a criminal act and needs to be investigated. The only loan that I owe on is the co-signed loan but the other loans that " XXXX allegedly has '' are no longer valid because they have to proof they own the debt, they have the right to collect on it which they did n't. The only item I received from was something from XXXX XXXX XXXX, XXXX no longer owns my debt and they are a trust not a lender like XXXX claims. Even XXXX XXXX from XXXX advised me that XXXX is not a lender and not sure sure why XXXX told me that. XXXX is a 3rd party debt buyer, not a lender at all and they never were. I talked to the credit bureaus and they advised me that XXXX is suppose to remove any negative items if hey do not have proof of ownership from XXXX. If XXXX were to sue me, they would need this information which I never received. XXXX never sent proof that they have ownership of this debt or where my loan currently is. I want to move my loans to my bank but I ca n't until this problem is resolved. I do not want to do business with XXXX, they engage in shady business practices. Their reps lied about an amount I owed and then they keep trying to force to do auto debit even though I wrote them a letter telling them I will never do auto debit with them, I do n't trust this company and they should be shut down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am going through financial difficulties and requested a modification for my XXXX loan on XX/XX/2016. My services/lender, Bank of America, acknowledged receiving paperwork but then did not do anything to process it. I try calling once a week to check the status update and I was told that it is still in process. in fact, they never processed my paperwork instead, they gave me a repayment plan which was ridiculously unaffordable for 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 08-02-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear XXXX, I have been under review for a loan modification with Wells Fargo since XX/XX/XXXX and have sent in all requested documents. In XX/XX/XXXX I sent in by fax and mail ( what I always do ) what i thought was the last set of documents, received a letter stating they received them. A couple weeks later they sent another letter stating that documents are supposedly missing and asked if I 's still like to be under review. I asked them by phone and fax to let me know which documents were missing and they never did. I also stated that I would like to still be under review. Next thing I know they have assigned another person to my review and have started the process all over again disregarding all documents I sent in previously. They said my previous review has been kicked out of the system. I have copies of everything I sent in by fax and email and this does n't make any sense. I would like them to continue where we left off on the XXXX review and for them to let me know what was missing because they are not telling the truth. I am qualified for a loan modification or forbearance and for some reason they do n't want to approve XXXX and it has to do with an investor behind my subprime loan with a 10 year interest only ARM that a mortgage broker and Wells Fargo we trusted got us into. We had a large down payment and very high credit scores and there was no need for a subprime loan with an 10 year interest only ARM. My loan has not moved since XX/XX/XXXX. It has actually increased in amount and now due to the ARM and the payments increasing a year and half ago significantly, I owe about {$31000.00} more on the mortgage. I was not told the truth in the beginning and now they continue this way. Please help with the resolution of a loan modification or forbearance. Please. I paid my payments fine from XXXX with no problems. Then the mortgage went up almost {$700.00}. 
Thank you so much for whatever you can do to help me. 
XXXX XXXX ( XXXX ) XXXXXXXXLoan # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Back in XX/XX/XXXX, I joined XXXX ( XXXX ) and left for training. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to XXXX. A little over two years ago, back in XX/XX/XXXX, I started receiving the initial contact from XXXX. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by Diversified Consultants, Inc. about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Midland Credit Management Inc. ( MCM ) notified me in XX/XX/XXXX that they were trying to collect an outstanding balance from my account with XXXX account for the amount of {$1800.00}. MCM informed me that the address on the XXXX card application was 15005 N.E. 6th Ave., # XXXXXXXX, FL XXXX. Thereafter, the credit card statements were sent to XXXX XXXX., XXXX, PA XXXX. I have sent MCM XXXX written dispute letters, with evidence, stating that ( XXXX ) I have never lived in Florida nor visited Florida anytime in XX/XX/XXXX or thereafter and, ( XXXX ) I have not resided at XXXX in XXXX. I previously lived at a different XXXX address but moved to my new home towards the end of XX/XX/XXXX. I also filed a police complaint with the XXXX Police XXXX. on XX/XX/XXXX to report this identity theft and issue with the XXXX. Since the police report was incomplete, the XXXX police department, is investigating this case again and helping me resolve the issue. Additionally, I have reported the disputed credit card balance and placed fraud alerts with the XXXX credit card reporting agencies. On XX/XX/XXXX, I again renewed my fraud alerts with the credit reporting agencies. 
Despite my letters and evidence I provided MCM, their XXXX Department alleges that they have not received any written communication from me disputing the outstanding credit card balance in my name. Note : MCM 's legal dept. also informed me that they have not received any of my disputed reports from the credit card balance from the credit reporting companies. Subsequently, they have subpoenaed my to appear before the XXXX on XX/XX/XXXX to contest the claim. 
Upon receipt of the subpoena, I called MCM 's legal department and its Consumer Support Services ( CSS ). MCM 's XXXX informed me that received reports of my dispute for the outstanding credit card balance from the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX also notified me that they have received my written dispute letters contesting the MCM claim. 
I had previously provided them proof of my previous and current address, records from XXXX city hall to show that I was not an owner of the XXXX address. I also sent them a copy of the police report. However, MCM has been harassing me and refuting receipt of any information from me. To ensure MCM 's receipt of this information, I will be sending them all mentioned proofs again, together with an FTC report. Please investigate MCM and advise any further actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found on my Experian Credit Report hard inquiries that I did not authorize. I contacted Experian to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Experian continues to not remove. These inquiries are from XXXX XXXX, XXXX 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 explanation
Consumer complaint received 07-10-2017 about Payday loan, title loan, or personal loan (Title loan) with Advantage One Credit, LLC (FL).
Issue: Can't contact lender or servicer

Complaint: XX/XX/XXXX, I XXXX XXXX XXXX took a title loan of XXXX with this company. they in Ca. ( XXXX ) XXXX at time of loan. Since they I have paid they them XXXX in XX/XX/XXXX. they moved to Advantage One Credit XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX I spoke with them they said they would get send the documents i needed but never did. Now this is XX/XX/XXXX, Spoke with a lady with the company in XX/XX/XXXX. every thing was good and now XX/XX/XXXX I can not get in touch with no one.company Name when i call them at XXXX is now XXXX XXXX .You pess number 2 and is disconnect you. I when on the BBB Advantage One Credit LLC has 16 complaints which all sound like what I am going through. PLEASE HELP. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Firstly, this is a new complaint against the same mortgage company ( Nationstar ) as my first complaint was. 
In my first complaint ( XXXX ) I outlined the tardiness of Nationstar in completing the foreclosure on the property at XXXX, MN XXXX, a Condo. 
After my separated wife stopped payment in the XX/XX/XXXX, Nationstar appropriately notified us of a foreclosure action on XXXX XXXX, XXXX. My wife abandoned the Condo in XX/XX/XXXX-XX/XX/XXXX and later called to the bank to notify them that she was stopping the payments of the gas & electricity. Nationstar did not proceed forthwith to complete the foreclosure until the Sherriff Sale in XXXX XXXX ( Over three years ). In the mean time Condo Assn Fees, Late Fees, Attorney Fees and Assessments were accumulating. I just left the District Court with a Judgement against me for {$10000.00} due to their tardiness in proceeding with the foreclosure. Had they executed in a reasonable time, the damage would not have been so great. What would have been a reasonable amount is now a hardship. In addition, in my first complaint, I reported that the Nationstar management company was inept in protecting the Condo and in XXXX XXXX when I learned of the Zombie Home situation, I re-entered the Condo with the idea of renting it someone who could at least pay the Condo Fees. What I found was XXXX busted pipes from freezing, which cost {$3000.00} to repair.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: When we refinanced our home in  2016  to a conventional loan we were told that when we reach 20 % of equity we were going to be able to remove the PMI. When I called to inquire because the PMI continues to show after we reach the 20 % they told me I need to either get another appraisal and request the removal ( which is about {$450.00} for the appraisal ) or wait until the automatic removal when I reach 22 % of equity. Basically I have to pay for the PMI for anoth er five months, w hich anyway is cheaper than paying for another appraisal.

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 07/31/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX offers 0.25 % interest rate reductions if you setup direct debit. They state that one should allow 2 weeks for this application to processed. I filled out the form, mailed it in, and heard nothing for over 3 weeks. I then called to inquire what had happened. I was told that XXXX did not setup my account on direct debit for my current 3 XXXX degree loans because i had previously setup direct debit on loans i had fully repaid approximately 6 years earlier for my XXXX degree. 1 ) This does n't make any sense, and 2 ) why could n't anyone from XXXX contact me about this? A few weeks after this phone call, my first automatic payment became scheduled. Neither the payment due ( approx {$460.00} ) nor the payment scheduled ( approx {$1100.00} ) reflected the 0.25 % interest rate reduction,  so i called on X/XX/17 to inquire why. I asked why they did n't reflect the reduction and why the payment scheduled was so much larger than the payment due. I was told that the interest rate reduction would take effect the following month, after the first automatic payment, and I was also told that the larger payment was because the scheduled payments would always be for the same amount, regardless of any prepayments made. I did n't like these answers, but I accepted them. The payment was due on X/XX/17. I had a payment scheduled for X/XX/17. I checked back on X/XX/17 and found that XX/XX/XXXX canceled the scheduled payment ( approx {$1100.00} ) without my knowledge and that my account was now 3 days delinquent. I called to ask what happened and was told that direct debit always starts the month after enrollment which is 1 ) at odds with what my account previously shown and 2 ) at odds with what the other representative had told me on XX/XX/XXXX. I have had multiple issues with XXXX and their handling of my account. This is just the latest issue. I just made a manual payment on X/XX/17. I hope that this particular issue is now resolved. My goal is to bring broader awareness to XXXX 's poor quality of servicing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation