milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (AL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I received a statement from Toyota Financial Services on XX/XX/XXXX showing that I only owed {$1.00} due XX/XX/XXXX. I called the company to see if this was correct. The lady I spoke with said yes the {$1.00} was an unpaid late fee which I am removing so you now have a {$0.00} balance. I also have the Toyota Financial Services APP on my phone and checked it again at the beginning of XXXX and it showed I had a {$0.00} balance. XXXX the XXXX I went in to make the XXXX payment due on XX/XX/XXXX still only showed I owed one payment. I went back in the app on XX/XX/XXXX to schedule the XXXX payment for the XXXX and noticed that I owed 2 payments. I called Toyota Financial Services right then to see what the problem was. The lady was very rude and absolutely no help. She said at the time I was now 9 days past due on the XXXX payment and I must pay it with the late fee. I explained to the lady what happened an again very rude. I called back a few days later during the day and got another lady that was absolutely no help. She proceeds to tell me the same thing the payment is due and there is nothing they can do for me. I advised that I always make my payments on time and would never wait 26 days before making a payment and there is no way I can come up with the 2 payments this month because I was definitely not prepared for that. Asked if they could defer the payment since it was there fault and she says no they cant do that. She said when I called in back in XXXX they noticed that something must not be right and looked into it then found the error in XXXX so the payment is due. I advised the lady that I understand that it's due, but it was there mistake so could they please defer it. She would not. I hung up with her and called back in today XX/XX/XXXX. I got another lady who is no help. She said it states in your contract that you have to make a payment each month. So its not our fault and you owe the payment, we can't do anything for you. She proceeds to ask when I will be making the next payment for my XXXX payment ( which should be for my XXXX payment ). I told her I will be making the XXXX payment on XX/XX/XXXX and then will be refinancing with another company. This is literally the worse place to do business with. I will never finance anything with this company again and something needs to be done with the way they do things and how they talk to people.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a short sale on my property a few months ago to my mortgage servicer Wells Fargo. Wells Fargo countered the offer 5 weeks ago, the buyers countered back. The offer is almost the appraised value, off by maybe {$2000.00}. Wells Fargo will not reply now to phone calls or emails. Its been nearly 4 weeks with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2014 XXXX XXXX XXXX sent a return label to me after I canceled services due to moving out of their area of service in order to return the XXXX ' television receiver boxes to them. I took this label to the XXXX nearest my home and sent the boxes back to them. It was about 6 months later and I received a collection notice from a third party agency stating that I did not return the boxes and they are collecting the debt. I did not have the confirmation receipt when I gave them to XXXX in order to prove the return, because it was several months later and I did not know that I would need to have kept it. XXXX XXXX XXXX can look up the labels they printed me and research the boxes that I shipped back, but I only got the run around when I called in order for them to help correct this issue. It is now on my credit as an outstanding collection of {$350.00} from an agency called Franklin Collection SV. This has been transferred several times to different collection agencies after I have called each time to dispute it. They just transfer it to someone else rather then help get it proven and removed. Please help me get to the bottom of this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt owed by a previous husband who did not reside with me at time debt was incurred. This agency has been informed of this by my attorney and has changed the name on the debt to mine. I thought this was resolved over a year ago but suddenly they are calling again and have just recently began sending demands in my name. The address with the original debtor is not even my address.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Filed a dispute on a XXXX XXXX charge for {$24.00} that was unauthorized but havent received credit for it. Also a bill pay check for {$70.00} was disputed due to the check being returned to me and Amex Bluebird hasnt returned the money to my account after filing a dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello, I currently have student loans totaling about {$28000.00}. My loans are being handled by Navient.com. It was suggested that I apply for a Income Based Repayment plan, so I did. 
I currently do not work and our only income is my husbands income. I feel that it is not right to figure the payment amount based on my husbands income. I do not have a problem making a reasonable monthly payment or trying to figure out how to get student loan forgiveness. 
Navient calls me everyday from different numbers usually without leaving a message or they leave a computerized voice message. Navient sends me monthly email statements with different payment amounts every month. Some amounts are high and some amounts are low, never XXXX set amount. If proof is needed, I have saved every email that Navient has sent me. 
Please help me find a solution that everyone can agree on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was alerted by my credit monitoring that Credit Management LP placed a collection on my account on XXXX/XXXX/2016. I immediately called my credit monitoring personnel and they directed me to Credit Management LP. I spoke with XXXX from the company on XXXX/XXXX/2016. I did not get her last name. I asked XXXX what the collection was for and informed her that I had not been notified of the alleged delinquency. She explained that if I paid the balance which was {$140.00} that it would be removed from my credit. I asked XXXX several times would the collection be removed from my account and she assured me it would. I explained to XXXX that I did not want the account to just say paid ; I explained that I wanted to make sure the account was removed from my credit report. She reassured me that the account would be removed and I could go to the company website on XXXX/XXXX/2016 to print off the letter stating the account would be reported and removed. I asked XXXX again if the account would be removed and if the letter would state such. XXXX assured me it would be removed. I went to your website on XXXX/XXXX/2016 and printed off the letter. The letter states the account has been satisfied, nowhere does it say it will be removed from my credit report. The letter states " ... if we reported your account to the credit bureaus, they will be notified to update their records, accordingly ''. I called Credit Management LP on XXXX/XXXX/2016 and spoke with XXXX XXXX. I explained to XXXX XXXX what my previous conversation with XXXX entailed. XXXX XXXX could not assure me that the account would be removed from my credit report. He stated that it would be removed, he just could not tell me when. I asked him what that meant. I informed him that I did not want this to linger on for months and he stated it would be removed he just ca n't say when. I asked to speak with a supervisor. He transferred me to XXXX XXXX. She identified herself as the floor manager. I am not for certain if XXXX is her name ; when she initially greeted me I was under the impression her name was XXXX. I challenged her about this and she told me that I got her name wrong. I informed her about each conversation I had with her employees. She informed me that they do not remove items from my credit report ; they simply report it to the bureaus. I expressed my disdain for the situation and explained that her employee assured me that the collection would be removed. She then stated that I could write a letter requesting it be removed. Her company would go over the recorded conversation and if her employee promised my account would be removed, then they will honor it and have it removed.

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 12-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I am livid of the way Well Fargo has handle my loan. I summited a complete modification packet since XX/XX/2016. I when trough the re-entry team and when over my financials. Once I completed the review I was told my file will be summited to the under witer for review.. However Wells Fargo has stop the process recently becasue now they want all my documents to be notorized. Wells Fargo is not giving me an explanation or the reasons why?. Therefore I need to know what are the intentions Wells Fargo has. I am willing to work directly with my processor but I feel they are not willing to work with me instead they want to foreclose my home and prolonging my case. I am in desperate need of assistance I am tired of all the excuses I been given.

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 04/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Advertising and marketing

Complaint: I was coerced by Capital One to switch my free account to a fee account. I was told because I was a long term customer there would be no fee. Now {$60.00} fee.now have to cancel. They say I have XXXX accounts not XXXX,. Penalized now for cancelling account. Would not bend when called. They are a terrible company. Also kept raising interest fee for no reason. Have excellent credit. It is usury. Keep your wallet closed for this company

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the year XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XXXX XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XXXX XXXX, XXXX the Department of Emigration and Naturalization granted me a permanent parol to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello m name is XXXX XXXX, I am trying to deny all medical collections on credit reports. They are also duplicated numerous times on my credit report. I would like to know how I go about fixing this problem. From my understanding all medical issues should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Naviant failed to adequately inform me when successfully enrolled in an income-driven repayment plan of critical deadlines or the consequences. They also didnt make me aware of the dates in which i had to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: After moving into my new apartment, I received a coupon packet from the USPS that included a promotion with Chase bank. The promotion stated that if I opened a checking account with direct deposit, I would receive {$300.00} within 10 days of satisfying the direct deposit requirement ( the requirement was {$500.00} each month ; more than double that has been directly deposited by my employer each month ). I opened my account in XX/XX/XXXX ; it has been almost XXXX months, and I have not received the promotional credit. I have emailed the bank customer service representatives, but they said that without re-submitting the coupon they could n't do anything. But, upon opening my account the woman took the coupon, so it 's impossible for me to still have that coupon. I would not have opened an account with Chase had it not been for this incentive ; I would have gone to another bank that would have actually honored their promotions. I am extremely frustrated at this bait and switch, and will close my account with Chase if they do not honor the promotion that brought me to their branch in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent several certified letters to EXPERIAN advising that the bankruptcy that's showing on my public record is invalid and needs to be removed. An investigation was done by EXPERIAN and it came back verified each time. I then contacted the clerk of courts to ask them how do they verify information, especially incorrect, to EXPERIAN. I was advised that they do not verify information to credit bureaus. With this information, I sent EXPERIAN a copy of the letter from the clerk of courts asking once again for EXPERIAN to remove the bankruptcy from my report. EXPERIAN still has not removed the bankruptcy.

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 02/15/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2018 I called Wellsfargo and paid in full the amount of XXXX wich was the whole amount of the debt owed. They gave me a confirmation number but they havent still reported to the credit bureaus.

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 02-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Transunion misled me when I was trying to access my credit report. It signed me up for their credit monitoring service when I thought I was getting my free credit report. They also did not provide a way to cancel the service online. I was ultimately charged {$1.00}, and had to call them to cancel the service. Had I not called to cancel they would have significantly increased the payments. Their website service is deliberately misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is a fraudulent charge on my account, and when I attempted to report it, the representative from the financial institution was very rude and hung up one 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 08/15/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I do n't know whats going on over at PNC bank, but this place has notoriously slammed me with the most obscene overdraft charges. Once again, here I am, pouring my heart out for the sake of not having to XXXX XXXX XXXX to get by. I woke up to XXXX $ in OD charges. Let me start by saying, I can not fathom how this is legal. Common sense would say that i would pay a penalty percentage, not XXXX $ per item. Regardless, PNC has once again stacked charges and waited till after business hours to process them. All in the name of scamming money from the people that do n't have it. I 'm not sure where to start, but this is wrong and needs to end. I do n't have those kind of means. Waking up to an account that negative XXXX $ short ( of which is XXXX in OD charges from your own bank ). How is someone on a poverty level income suppose to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Consumer Loan (Installment loan) with RFNA, LP (TN).
Issue: Managing the loan or lease

Complaint: Had a check returned by mistake from my bank to Republic Finance, they ran the check back through the bank and the bank paid it. I still paid the XXXX or 35 dollar fee. So from then own the XXXX or 35 dollar fee was added to my payment of 188.00 dollars every month. I paid my bill on time every month have bank records to prove it. I did not pay the fee every month just my XXXX payement. Now I have paid them off they say I owe XXXX in fees of which I am not going to pay. It was their problem not mine, I meet all my payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (RI).
Issue: Trouble during payment process

Complaint: Since Nationstar changed to XXXX XXXX, they no longer send paper statements to me. They send an email that should allow me to gain access to see the monthly mortgage amount due and date due along with other mortgage info. However, everytime I try to access my account with the link, I get a message that the website is down. I have tried on 3 different days, multiple times. The site says that you can still access mortgage info if you call an 800 #, but when you call the 800 #, a recorded message just tries to sign me up for a medic alert system and " free '' cruise, then disconnects me. I can not connect with a rep nor am I able to access recorded account info.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Mortgage (Conventional home mortgage) with FIRST COMMUNITY MORTGAGE, INC. (FL).
Issue: Trouble during payment process

Complaint: Myself and my family are victims of Hurrican Irma in the Florida XXXX, My Insurance company was slow to pay and when they did all of the contractors are on a 6 month or more waiting list. I can do the repairs myself and elected to do ( it is my right in FL ) so as it would be over a year since the hurricane hit before our house would be repaired, which is unacceptable to me due to the presence of black mold in the house. I sent two checks to my mortgage company one for XXXX XXXX and another for XXXX XXXX a little while later, in which they assured me that they would send it back in draws. They applied the XXXX XXXX dollar check to my loan and then told me I would have to complete all repairs with my money before they would send me any of the XXXX XXXX and that I would have to submit receipts to get any of that. I asked them what would happen with the remainder should I complete the repairs below the amount paid by the insurance company and I did not get a clear answer, I get the feeling they are acting in bad faith and again plan to apply that remaining amount to my mortgage. Meanwhile I am scraping ever cent I can together, with each paycheck to try and repair this place. This is not fair and it is further victimizing people that have had their life devastate. My mortgage company goes by the name Human Mortgage but they are actually First Community Mortgage, the contact info I have for them is XXXX and I have to send emails attention XXXX to get the attention of my case manager.

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