milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Consumer Loan (Vehicle lease) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing the loan or lease

Complaint: During XX/XX/XXXX, I XXXX closed my business ' checking bank account ( at XXXX ) and switched to XXXX. 
During XX/XX/XXXX, I called up Citizen One Auto Finance requesting a form to be set up with auto-payment through the new bank account. 
I was sent a form to fill out which I did. However at the beginning of XX/XX/XXXX ( sometime between the XXXX and the XXXX ) I received a call from Citizen One Auto Finance notifying me that my account is past due. I immediately paid the balance and requested again to be set up with auto-payment. 
I received another auto-payment form which I filled and mailed on XX/XX/XXXX. 
To my great disappointment and frustration, I received another call on XX/XX/XXXX notifying me again that the account is past due. 
At this point I started to ask questions. After spending 6 hours on the phone and speaking with over 10 customer representatives I finally found out that the auto-payment request form which was mailed on XX/XX/XXXX was only received on XX/XX/XXXX, a fact which I find hard to believe. Additionally, I was informed for the very first time that it takes up to 2 billing cycles for the auto-payment to be implemented. Had I known this fact, I would have continued to send checks until I would see the auto-payments coming out of the bank. 
Later on that day, I discovered from another representative that both applications were rejected because a letter from my bank specifying that I 'm a signor on the account was not provided along with the form. This requisite was not communicated to me during the 2 phone calls in which I requested the auto-payment set-up. Most importantly, this requisite was not listed what so ever on the instructions of the form itself. The form does say however, that if it is incomplete it would be sent back to me. That never happened! And when I called for the second time for the auto-payment set-up no one informed me that my first application was rejected or the reason. 
I feel that Citizen One Auto Finance was being deceitful and was withholding information to gain more late fees and hurt my credit score. 
I had to spend an entire day calling dozens of times and being told at times actual lies ( to discourage me to file a complaint with their credit bureau ) in order to discover the real reason the auto-payment was not implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: chase credit card " hacked '' twice in last 3 months -- up to {$12000.00}. Chase credited my account, issued new card, wo n't investigate. Complaint filed with XXXX XXXX ( XXXX XXXX ) police department forwarded to XXXX county XXXX sheriff 's office for investigation, and hopefully prosecute as a 2nd degree felony. no cooperation from Chase, no telephone numbers or addresses for chase.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Student loan (Non-federal student loan) with URS Holding, LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Student loans from XXXX XXXX XXXX XXXX got sold to ERS ( Enterprise Recovery Systems , Inc earlier this year. When that happened, I had already paid off a large chunk of the loans and ERS attempted to collect on the original amount. I then decided to request debt validation from them several times and sent them XXXX debt validation letters to confirm my payment history and agreement. They have ignored these requests several times and continue to make attempts to collect on the original amount of the loans. Please investigate this matter and send me proper validation. Thank you. 


School : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, New York XXXX | ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I believe that I 've been mislead as to all of my repayment options while interest is still accruing. I 've called to speak with soneone several times only to get either hung up on or told that there was nothing else that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Okay so I fell behind on my car payments. I was in the hole from the beginning because it was to my understanding I will get a bill in the mail stating how much I owed and how to pay. I did not receive these letter until my car payment was already past due. I tried to catch up the best I could at the time when I made my first payment I owed a total of roughly XXXX dollars I paid  XXXX of it that day and another XXXX a few days later. To bring the total amount due down and months owed. I had just got my pay check so I called last night on XX/XX/2017 to see how much I owed total to bring my current total amount due back to 0. I owed XXXX dollars this morning I woke up to find my car had been repossessed. I called Santander ( my loan company ) to see if I could make my payment of the full amount dude to get my car back and they refused to reinstate my loan after repossession due to failure to maintain timely payments. When it was partially their fault I was behind on my payments in the first place seeing as they never sent me any bills via certified mail. I take responsibility on my part because I should have been more diligent in finding out how much I owe and when payments were due. But I have always paid my bills via certified mail. They refuse to help me in anyway they keep telling me its company policy to not reinstate my vehicle even if I pay the current amount due in total they say they only way they will surrender the car back to me is I pay the loan off in full. I never received a written letter ( notice ) via certified mail notifying me that my car was in default and due for repossession. I live in XXXX and XXXX XXXX XXXX states in order for the lean company to reposesss your vehicle they must send you a written letter 10 days prior to repossession with the current amount due to give you a chance to pay the amount and keep your car. The company admitted to not sending me this letter stating that va law does not require this and they can come get it when they want. All I want to do is pay my amount due current and continue on with making my payments on time but they do not want to help me do so. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with loanDepot.com, LLC (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been a VICTIM of their Inquiry issue. Make sure to keep the list of inquiries from My credit report, l need to list off the inquiries from my credit report ; they have to remove from the list. 
Inquiry details : XXXX COMPANY CHECK MY CREDIT REPORT : XXXX XXXX ; THEY CHECKED MY CREDIT REPORT ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX Mailing address : loan Depot LLC, Consumer Lending Division, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. 
TEL # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a letter I sent a letter to  XXXX  and Trans Union back on  XX/XX/XXXX , requesting that they investigate error on my credit report. I have not received a response from either.

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 02-12-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted to modify my mortgage loan since XXXX. In the last two years, I have repeatedly been asked to compete applications and submit supporting documents multiple times. Throughout the process I have been assigned to multiple loan specialists which has complicated the process. Last XXXX I was referred to contact Keep Your Home California due to negative equity in home and was told that Nationstar would be working with them to re modify my loan. 
According to Keep Your Home California, Nationstar refuses to re-cast my loan in order to receive XXXX Principal Reduction ( {$25000.00} from this to bring my loan current ). 
Additionally, Nationstar contacted me to have an in-house modification but denied me due to negative property value, only, not income issue. Nationstar has informed me that the only way they re-consider is if I write a complaint to them. My loan is currently in foreclosure with a sale date of XX/XX/XXXX that has been placed on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Auto) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cosigned for a XXXX XXXX for my company. The company no longer required vehicle so we did a voluntary repo. Balance of monies owned went on personal credit report XXXX days ago. We have since settled account with KIA motors but have evidenced no change in FICO score which went from XXXX to XXXX. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Student loan (Private student loan) with SLM CORPORATION (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: About 2 weeks ago ( end of XX/XX/XXXX ). I was behind on payments but was able to make the lowed payments, but was still delinquent due to missed past payments. I was contacted ( received a call ) by a rep from sallie mae after making a payment a few days prior. I was told they have a " 3 pay program '' that could help me get caught back up to make my accounts current. How it works was as long as i make my next 3 payments on time, the account will be brought current and the delinquent payments would be added to the end of the loan. I agreed to enter this program and did the verbal verification over the phone on their recorded line and that was the end of it.

Today, I called them to verify that the payment was still scheduled and verify the amount to be paid. I was able to confirm both, but the new rep proceeded to tell me that I was not actually eligible to be in the " 3 pay program '' and that the payments I scheduled and was told would bring me current, would not. The reasoning I was told was due to already having my payments reduced and I " cant be in 2 programs at the same time '' So my complaint would be, why would they call me to tell me about a program, I agree to the terms and enroll into said program, schedule payments, and not actually be eligible from the very beginning?

The lady on the phone was nice so no issue with her, but she said she would " elevate this to a manager '' and then I was on hold for close to 30 min before I hung up. Aint nobody got time for that.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: JH Portfolio i s attempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt. I s ent JH Portfolio a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XX/XX/2017    asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Making/receiving payments, sending money

Complaint: To whom this may concern, Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage were a victim of an enormous hack during XX/XX/XXXX and XX/XX/XXXX. Scottrade Bank, Scottrade Brokerage, and Scottrade Financial Services were warned about these cybersecurity issues at a technical and cultural level yet no action was taken. 

I would like Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage to provide me with instructions on how to file a dispute with their companies. Specifically, Scottrade Bank and Scottrade Brokerage have failed to provide clarification on the currently conflicting and alleged dispute policies and Scottrade Financial Services has no dispute policy what so ever. 

If Scottrade has any concern for the fraud that occurred and the continued danger they are putting their customers in, I respectfully request that Scottrade step up their game and putting customer care as a higher priority.

Company response to consumer: Closed
Consumer complaint received 08-02-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I am writing because my wife and I have an auto loan w/ Ally Inc. We received a letter about the class action suit for giving higher rates to minorities. We entered in to the suit. I heard it was settled and we never heard anything about it again. Ally wo n't tell me anything. Well, they will tell me nothing is noted on my account. I would like to know something. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: In reviewing a recent summary of my checking account at Wells Fargo, I found that I had been charged a {$35.00} NSF fee for a purchase made with my debit card for an amount that exceeded available funds. I DID NOT opt into the service that would allow this, thus the NSF fee was illegally charged to my account. 
I contacted Wells Fargo customer service after I 'd reviewed the most recent 18 months of transactions and found several such unwarranted NSF fees, and while they stalled in their reply and would only communicate with me via telephone, they finally and without resistance, refunded the fees. I then reviewed the entire history of the checking account going back to 2009, and found approximately XXXX such violations. These violations appear to be systematic and systemic, and there is certainly no way they were accidents. While I did receive a refund for all the charges, I am contacting you to report the illegal behavior. I believe it is likely intentional, institutional and ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent a letter stating that I owed money on a debt that is past the statue of limitations. The debt is 4 1/2 yrs old they can not collect on this debt anymore

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Other bank product/service) with Jim Bottin Enterprises, Inc (MA).
Issue: Account opening, closing, or management

Complaint: ABC financial made an unauthorized charge for XXXX $ to my visa card. ABC financial had contacted me over a month ago about an outstanding balance on my gym membership. The gym had informed me a year ago and we verified my credit card info so everything should have been set for ABC financial to charge me my monthly membership of XXXX {$.00} When I talked to them a month ago I had specifically said that the gym waived my late fees so the outstanding balance was around {$140.00}. I also had said and verified that they had my correct credit card info which they did. The representative was going to look more into the problem and call me back in two days with an answer as to why my credit card had not been getting charged But i told her specificallY THAT I DID NOT AUTHORIZED THEM TO CHARGE ME THE FULL XXXX $ BECAUSE I COULD NOT AFFORD THAT RIGHT NOW AND ITS NOT MY FAULT THAT THEY HADNT BEEN CHARGING ME ALL ALONG. I just looked at my credit card statement and on XXXX XXXX they had charged my card for the whole XXXX {$.00} This charge was not authorized by me and no one ever called me back to resolve the problem or to tell me they were going to do this. I am extremely upset and can not afford the full {$270.00} right now. I was more than willing to work out a payment plan with them and that was not even acknowledged. This is not the first time i have experienced horrible service with ABC financial. I will now be cancelling my gym membership

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: in 1998 we put our home in our sons name due to health problem. we knew he took a mortgage on it. we have lived in our home 31 years. when we saw it in the paper it had been foreclosed on we immediately went to our banker, got a loan approved had our insurance lined up. everything was ready all our banker needed was to know how much money to send and who to send it to. that is when the nightmare started. we couldn not get them to send us a pay off amount. Our banker and the closing lawyer was constantly sending emails and calling try to get it. once they sent XXXX it was only good till the next day. our banker told them he had to have 48 hours to finish the paper work and write the check. The next payoff they send was out of date when we received it. While we were trying our best to pay them their money they had the foreclosure sale now they are sueing to evict us from our home. We have plenty of documentation showing how hard we all worked trying to save our home. They would not cooperate with us at all. The closing attorney that was helping us was checking the paper work he could get his hands on said said there was a glitch in the deed. The deed they took the mortgage on has our physical address on it but the land description does not include the land our home is on I do not think they have the right to take our home we have owned for over 30 years

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Billing disputes

Complaint: The credit card issuer is not properly investigating the disputed transaction between the merchant and credit card holder. All the support provided by the credit card holder is being ignored. The credit card holder contacted the credit card issuer multiple times and requested to discuss the case with Dispute Resolution Department directly. All the requests were ignored, the case was cancelled and reopened several times since XXXX 2015. Please assist to get hold of Dispute Resolution Department representative of the credit card issuer ( not just the general customer service representative ) so that I can explain the situation to the case investigator and discuss the deficiency in their previous reviews. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted LVNV Funding LLC in writing on a letter dated XXXX/XXXX/XXXX that was delivered via certified mail on XXXX/XXXX/XXXX. I requested validation of a debt in the amount of {$410.00} that LVNV Funding LLC is currently reporting to all three major credit bureaus ( XXXX, XXXX, & XXXX ), as per my right and according to the FDCPA section XXXX. Validation of debts. I have not received a response from LVNV Funding as  of today XXXX/XXXX/XXXX. Per the FDCPA XXXX XXXX. Validation of debts and as stated in my letter, LVNV Funding LLC has 30 days to respond to my request or this debt must be removed from my credit file. I have attached a copy of my letter and proof of mailing and delivery. LVNV Funding LLC has failed to follow the FDCPA Section XXXX. Validation of debts and I am now demanding that this debt be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I rented an apartment and kept getting sick along with my daughter, and my granddaughter. I asked the management about mold and they swore up and down it was n't any mold and they stated no, the doctor told me I had to get it removed or I had to move. I had to send a sample to the lab and it came back XXXX kinds of mold including XXXX, I told management and they denied it up and down even though I almost died. I moved and had to secure another place to live. I shared this information with the Management and they said I had to pay them {$3400.00} I did not owe them anything I as well as my family almost died and they forwarded all of my personal non-public information to CARTER YOUNG, INC. and they are reporting on all XXXX of my Credit reports this is IDENTITY THEFT and I did not give them permission to contact me pursuant to 15USC1692c and they feel as if I owe them when they owe me for almost killing me moving my family into a mold infested place to live. 

This is definitely 16CFR603.2 and these CORPORATIONS are going to have to stop this bad behavior, if more CONSUMERS say something this non-sense will stop. I do not feel as if I have to die to stay in somewhere there is mold and I have the proof they moved me into a bad moldy situation and should talk with people about moving into that bad place but I have been cool and calm. This is just bad business, no matter who is doing this I am a woman and do not have to be subjected to this.

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