milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (IA).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX XXXX I signed an email consent for a loan with Big Picture Loans for {$1000.00}. My repayment terms were supposed to be 3 payments of XXXX which would equal XXXX which is outrageous but doable for interest. On XXXX XXXX a payment of XXXX was taken from my checking account. I looked up my account on the webpage and it said I was under contract for for 6 payments of XXXX which equals XXXX. I would have never agreed to such terms. I contacted the company via the webpage and got no response. The next day i tried to log onto my account and it was no longer available. I called the company and said they did not have my information and wanted my drivers ' license number and checking account number and social security number to access my account. I was not going to give this information out again. Two days later I log onto my account and there is no information just a note saying the loan is past due. The next payment is n't due until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I tried for 4 months to get a forbearance or an income based repayment plan. I sent in the paper work needed and for four months they kept telling me that I needed different paperwork to be completed. In the meantime, my student loan went into default because they kept jerking me around when I was trying to keep it out of default. The IRS ended up taking my 2016 refund because Navient allowed my student loan to default thru the never ending process of an income driven repayment plan. I ended up calling another student loan service called XXXX to consolidate my student loans and to get them out of default. Navient ruined my credit and also took money from me. I feel I am entitled to a refund because of their negligence and incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: My Narrative begins with the ongoing persistent " Grossly Negligent '' behavior of Ocwen. Beginning with the deceit, Fabrication of evidence, documents, and motions in Dismissed with Prejudice XXXX by XXXX XXXX XXXX, for XXXX XXXX XXXX. My XXXX XXXX eviction case XXXX in front of Judge XXXX and XXXX XXXX ( opposing Counsel XXXX-originally represented by XXXX XXXX and finished by XXXX XXXX XXXX ). Fraud is evidenced by differing evidence, fabricated documents and omission of certain Documents. Documents presented to me as " Written Request for Validation of Debt '' provide yet another set of Documents all claiming to be " True and Exact '' copies of documents recorded in XXXX County. All documents are inconsistent with the actual documents on file in XXXX County ( XXXX ). A XXXX Appraisal dated XXXX XXXX, XXXX ( mortgage closed XXXX XXXX, XXXX and replaced mortgage closed XXXX XXXX, XXXX ). Unsigned and un-initialed disclosure statements. Ocwen continues to violate CFPB v Ocwen case # XXXX filed XXXX/XXXX/XXXX. Ocwen has ignored past settlements with XXXX as Trustee. Settlements they are liable to through past mergers and acquisitions. An Addendum provided me as " Written Request for Validation of Debt '' states at " Lenders Request '' collateral for Loan is XXXX acres and house yet they have taken all XXXX acres through Sheriff 's Sale. Loan was also sold to FHA ( maximum XXXX acres ) and sold back to Bank due to poor underwriting. Recently Ocwen hired XXXX XXXX ( XXXX XXXX XXXX ) to strong arm, harass, and bully me declining my efforts to resolve Mortgage. Most recently Ocwen has hired XXXX XXXX XXXX XXXX to respond to my claims by continuing to squash my supporting documents to my claims and perpetuate the Fraud on XXXX different Courts. I have provided an e-mail from ISD XXXX XXXX schools proving that this Mortgage could have been ( and still can be ) resolved immediately provided ISD XXXX XXXX XXXX is provided Guaranty of " clear title ''. Ocwen could and should provide that Guarantee of " clear title '' return me to my home and compensate me for this ongoing In-Justice RespectfullyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I initiated an online dispute with Equifax and received a reply on XXXX/XXXX/16 advising that it could not be handled online. I then requested that the dispute be handled by the firm I am using to apply for my business credit loans. My request to Equifax was that I was listed as only an authorized user in their system for a XXXX credit card account. My deceased uncle was the owner. That firm disputed the item with Equifax on my behalf on XXXX/XXXX/16. Today XXXX/XXXX/16, I received the online dispute results which state that Equifax has verified the account is mine and additionally, they are now reporting it as XXXX59 days late even though that was never reflected on their bureau prior to the dispute.Interestingly enough, I have just placed a call to the creditor XXXX who confirmed via phone that I was removed as an authorized user in their system and have no legal liability for the account. XXXX is sending me a letter to that effect in tomorrow 's mail. 
I am attaching a copy of XXXX the prior reporting showing Equifax listing me as an authorized user with no XXXX59 day late status as well as the results of their dispute. 
Please note that I disputed the same account and requested the removal from XXXX and that was done within 48 hours of my online request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Problems caused by my funds being low

Complaint: I required filed complaints against Bank of America - overdraft problems adds to more genitals discrimination attacks me that made me overdraft fees charges with history records. In addition, they discriminate me in ugliest appearances as they laughed me looked at me in very poorest ugliest appearances what Bank of America does not like me too much when I walked in this discrimination bank. They guffawed looked at me in poorest ugliest clothes and offered me in ugliest overdraft discrimination. Also, in the past time, XXXX Bank refused to open my personal checking account along with other XXXX Bank account refused to serve opening new checking account because Bank of America 's overdraft discrimination complaints. YOUR RESPONSIBILITIES MUST MUST RELEASE REPORT TO XXXX XXXX AND XXXX XXXX XXXX REQUESTS ABOUT BANK OF AMERICA 'S HORROR DISCRIMINATION AGAINST MY XXXX & APPEARANCES DISCRIMINATION ISSUES. BANK OF AMERICA MADE ME IN XXXX AS INSULTED ME IN XXXX INDIVIDUAL WITH OVERDRAFT HISTORY RECORDS!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I sent a letter disputing multiple inquiries to All credit reporting agencies including XXXX. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on XX/XX/XXXX. They again resent a letter explaining what a inquiry is. They have failed to respond to two requests now to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.
I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: IC System is trying to collect on an account that has been paid directly to the creditor ( XXXX ). I have no business dealings with this collection company. I had never received any correspondence with IC System until I started disputing their claim and received a letter after my attempt to dispute with the Bureau 's. I have not given a company above written consent to contact connection with the collection of any debt. I have no known relationship with the company I. C System in regards to a XXXX account. They are trying collect on a debt not owed to them whatsoever.

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 12/16/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CO).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received a phone call from Dynamic Recovery Solutions at XXXX. 

After calling me, they called my mother in another state. They told my mother should can pay the debt for me. 

No debt exists. All debts I owe have been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: # 1 TransUnion is reporting XXXX XXXX as well as XXXX XXXX and it is the same account. that is double jeopardy and must be removed as only the company that actually holds the account can report the account. If they are both reporting it, it looks like I owe twice the amount on my credit summary. The original creditor does NOT hold the account anymore, therefore it must be removed or must show that it was transferred to another company, which it does not. Please see credit report that is attached. 

# 2 TransUnion reinserted XXXX XXXX after it was removed from my XXXX/XXXX/16 credit report and I am not seeing it back on my XX/XX/XXXX report and I was not notified within XXXX business days of said reinsertion which is a violation of section 611 # 2 I 've notified TransUnion that they have the wrong filing date on the bankruptcy and they came back saying that " bankruptcies will stay on your credit report for 7-10 years ''. I never asked how long they stay on there! I also wrote the court and their response was that they dont do any verification whatsoever with the credit bureaus and so, in consideration of the fact that they can not verify this and that they are reporting it incorrectly it must be removed. In addition, I did not give my authorization for them to report it on my credit file pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

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 08/29/2016 about Credit card () with SYNCHRONY FINANCIAL (MS).
Issue: Arbitration

Complaint: I have an American Eagle credit card. I have been locked out online. I ca n't get in touch with a person to help me. I know I owe something but I ca n't verify the charges to pay. I called the woman who spoke with me kept interrupting me and hung up on me. I have not gotten anything in the mail. I have not received anything. I do n't know what 's going on. No mail, no calls, no email. I need to speak to someone to find out what is going on.

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 07-05-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Originally our loan was with XXXX XXXX XXXX # XXXX. In XX/XX/XXXX, I lost my job -- -I had been working as a XXXX for the XXXX . XXXX and due to the reduction of XXXX XXXX in XXXX I was laid off. We knew we would not be able to make our XX/XX/XXXX payment so we reached out to a Housing Counselor at XXXX XXXX XXXX XXXX. We were approved for the Trial Modification Payments on XX/XX/XXXX by XXXX XXXX. In the process of the Trial Payments, our loan was transferred to Loancare. Now a new loan number and to continue the Trial Payments -- all payments were made as stipulated in the Modification Trial Plan Notice that had been approved by XXXX XXXX. ( See all backup information attached ) Payments were {$1000.00} plus a {$15.00} processing fee added every time we made our payment for a total of {$1000.00}. In XX/XX/XXXX we were told that our XX/XX/XXXX payment was past due, how can that be we have made our payment ( see bank statements showing debit by Loancare ) It seems that they went back to the XX/XX/XXXX payment which we knew would be late and the reason we requested the assistance. Loancare stated XX/XX/XXXX payment went to XX/XX/XXXX and XX/XX/XXXX went to XX/XX/XXXX, and so on. The whole reason for the DENIAL of the Modification we were told had nothing to do with the payments but with the Debt to Income Ratio was too high -- -Now I ask you this, if it was not approvable why did XXXX Approve us? Is not the servicing entity supposed to honor the approve modification by the original lender? I believe it should be that way. Please help clear this up -- we are now considered late and back to the original payment of {$1300.00}. This is not good practice -- plus this is an FHA Loan and they should be able to file a partial claim to bring us current and to the original approved modification payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Billing disputes

Complaint: I received a bill, credit card from XXXX with XXXX Bank in XXXX, paid the full amt. of {$37.00} on XXXX through my bill pay at my bank which is documented. In XXXX I received another bill for the same amt. plus fees and interest. I immediatly called the number on the bill explaining it was already paid and sent a verification from my bank as to when they paid it and when the check cleared. Latest bill this month for {$100.00}. They sent a check to me dated XX/XX/XXXX for {$37.00}. I 've contacted them since with no resolution. I have had another problem with same bank with my Walmart Discover card, and after several calls to them I received a letter dated XX/XX/XXXX stating their apology for any inconvenience this has caused me. I have told them of my time regarding this matter and they will be billed for it. This business needs to pay dearly for it 's negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been having a difficult time making my monthly payments on my loan with  XXXX . In  XXXX , I had several  XXXX  student loans consolidated which at the time had a principal balance of {$95000.00}. I, unfortunately, was diagnosed with several medical issue s ( i ncluding  XXXX   XXXX   ) a nd have had an increasingly difficult time making the loan payments.  XXXX  apparently bought the loans from  XXXX  and started calling me several times. When I explained to the customer service representatives that I was unable to make payments, they reassured me that they were sensitive to my circumstance and they suggested I go into loan forbearance as it would not adversely impact me but would give me ample time to repay my loan when my circumstances hopefully improved. After it was agreed to loan forbearance, I noticed a few months later that my principal balance was increasing despite the fact that I was assured the forbearance plan would simply delay my payments until I can pay them. I was not aware that I was being charged interest or fees during this period and that my principal balance would be increasing. The customer service representative made it sound like they were doing me a favor by forbearing the loan given my circumstance. Instead, I learned that they duped me and were instead charging me over {$400.00} per month in additional principal. I was literally duped by  XXXX .  <P/> When I finally realized what was going on ( because I had my son try to help explain the matter ), I reached back out to Navient and spoke to a gentleman named  XXXX  on  XXXX / XXXX / XXXX . He, unfortunately, confirmed that I am being charged these fees that I was unaware of. Unfortunately, I still dont have the ability to make the monthly payments. The company should be fined for misleading me. I would be surprised if they have n't done the same thing to countless other customers. They literally try to take advantage of people like me who have been ill or can not make the payments by encouraging us to go into loan forbearance without properly explaining that we are going to have to pay a huge amount of interest or fees. Its wrong and unfair.  <P/> Id appreciate any assistance you can provide and if you could please call me at  XXXX  to let me know what is the best way to resolve this matter. Thank you in advance for all your assistance.  <P/><P/>  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit card () with DISCOVER BANK (NV).
Issue: APR or interest rate

Complaint: In XXXX of 2015, I did a transfer fee to my Discover Cards in the amount of {$3300.00} to consolidaye my debt. I opted for the 0 % APR with a {$99.00} transfer fee. However, I was then being charged a " Minimum Finance Fee '' of {$0.00} per month. Come to find out, this was interest on the " Payment Protection Program '' I was enrolled in that is assesed monthly. The " Minimum Finance Fee '' is automatically charged the same time as the " Payment Protection Program '' fee because I have a running balance due to the transfer ( even though that running balance is at 0 % APR ). There is no way for me to pre-pay this " Payment Protection Plan '' fee except by paying off the total amount owed, which is currently {$1500.00}. They claim this is because of " Daily Residual Interest '' but they do n't even give me 24-hours to pay off the " Payment Protection Plan '' fee. Is this legaL?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I called Navient on XXXX/XXXX/XXXX and requested that the payment of {$70.00} that I was then making over the phone be applied to the principal balance of my unsubsidized loan ( XXXX Direct loan, disbursed on XXXX/XXXX/XXXX ). The customer service representative informed me that he would apply my payment of {$70.00} to the principal of my " XXXX Direct loan ''. I further clarified, and asked him clearly, again, if the payment would be applied towards the principal, not the interest, and he told me that the balance of my payment made on XXXX/XXXX/XXXX would be applied towards the principal. I told him if the payment was going to the pricipal, that I would make the payment, he agreed, and so I made the payment. 

I called Navient today ( XXXX/XXXX/XXXX ) to confirm that the payment made on XXXX/XXXX/XXXX was applied to the principal, and was informed that the payment made on XXXX/XXXX/XXXX was not applied to the principal, and that it was applied to the interest. The operator on XXXX/XXXX/XXXX informed me that interest must be paid before a payment on the principal can be made. I told her that I wanted to speak with a supervisor, as that was not what I was told when I called on XXXX/XXXX/XXXX, and that I would be contacting the CBFB if she could not help me. She told me she would transfer me to a supervisor, but only put me on hold for approximately 10 minutes. The operator came back to the line, told me that they would go over the recording made on XXXX/XXXX/XXXX, and would call me back. I missed their return call, and called them back and spoke to another operator who told me that the payment could not be changed to reflect what the operator told me about applying the {$70.00} payment to the principal of loan XXXX on XXXX/XXXX/XXXX, and that the payment would indeed be applied to interest charges. I told them I would file a complaint with CFPB, and ended the call. I was never transferred to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Please see the attachments, the miscellaneous charges should be gone. The taxes and everything have been paid and refunded and even cashed by you guys. Please update it as I plan to trade it my car soon! I have been told 5 times now that this has been handled but yet I see no {$0.00} balance on the Misc charges. Please handle this. This is for Account # XXXX.

VA Dept of Taxation has taken care of the overages charged and my misc charges balance should be {$0.00}.

I am getting no response at all about this.

Company response to consumer: Closed with explanation