milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Town Financial Corporation (IA).
Issue: Charged fees or interest you didn't expect

Complaint: I received a personal loan through Town Financial in XXXX XXXX, IA in or around approximately XX/XX/XXXX, I paid each month, then qualified for another {$800.00} loan to extend original loan out, this was approximately around XX/XX/XXXX,  this was to extend out my loan and be paid off in 24 months. I have been paying $ XXXX {$140.00} each month and have had a couple of late payments. The loan should have been paid off entirely at least 6 months ago. XX/XX/XXXX I was told I had XXXX balance, I have paid over {$900.00} since then. Town Finance harasses me ( I have phone records, voicemails and bank receipts/statements ) at least 5 times per month by calling me for days on end consecutively leaving messages stating they need a payment. I have requested my original and 2nd loan original documents be mailed/emailed to me and was told they would be as well as documentation of each of my payments. Town Finance has never provided this documentation to me after more than 1 request to do so. This company is a complete scam and takes advantage of the working poor and middle class. After complaining most recently to the Iowa Attorney Generals Office regarding Town Finance, ironically, I received a notice in the mail from Town Finance stating that they did an internal audit and have found that I have a balance due of XXXX and if I feel it to be any different to contact them. I do not owe anything, and in fact, they owe me money for overpaying and for fraudulent loan/business practices. I really feel that this company is really misleading in loans offered, interests rates on loans, late payment fees, and have been paid 2 times the amount of my loans that I owed. I want copies of my loan documents and want XXXX back that they owe me. Please help me and others to eliminate Town Finance from being able to prey on people any longer. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a few issues but I 'll start with XXXX. They allowed me as a student to take loan after loan out to attend a fraudulent school that lied about accreditations, future jobs and they are reporting false information on my credit reports that has and continues to cause due hardship. XXXX tells me I can only apply for a voluntary forbearance which has doubled my loans because of the interest. I ca n't pass a credit check for employment and I have to pay XXXX - XXXX the deposit for an apartment because they report my loans as derogatory on my credit reports. This is false and when I filed for chapter XXXX BK in 2015 they XXXX out my balances and marked my accounts as derogatory. When my BK was dismissed because I could n't afford the payments they opened new accounts in addition to the accounts they marked as derogatory. The school I attended, XXXX - XXXX University, approached me in my last semester before graduation and told me that I owed {$5100.00} in books and student fees and that I would not be allowed to take any more courses until I paid in full. I still get harassed today for this money. I paid {$2000.00} but still owe {$3100.00}. They report on my credit reports twice by XXXX different collection agencies for the {$3100.00} which causes additional hardship. 

My other complaint is exactly the same but it is for Nelnet and XXXX XXXX XXXX XXXX. They also came to me my last semester and said that I owed them {$5000.00} in books and student fees and that I would not be able to graduate until I paid. They lied about future jobs, school accreditation, and they pressured students into signing up for loan after loan only to tell students that we still owed money and could n't graduate. After being forced to leave school because I did n't have {$5000.00} they told me the only relief from my student loans was to consolidate them and then file for the voluntary forbearance. My loans at Nelnet have increased because of the interest and have gone from {$45000.00} to now {$75000.00}. No degree or job from XXXX and no help from Nelnet to stop taking so many loans for a fraudulent school. 

Between the XXXX schools I came out with {$75000.00} in student loans which is now {$130000.00} because both XXXX and Nelnet say I can only apply for the voluntary forbearance. 

$ XXXX, no degree, 10 lost years and ruined credit. These loan servicers should be held accountable for working with these fraudulent schools and pressuring students into taking so many loans. They lie to students and they glorify the school and future jobs and income levels, then once they are enrolled they just want you to keep signing the loan documents. $ XXXX and no degree!

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Payday loan) with First Recovery Solutions, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Every year since I had discharged my bankruptcy in XX/XX/XXXX I receive calls from yet another collection firm trying to collect on debt from XXXX XXXX XXXX regardless of the fact that they were included in my bankruptcy. 
The calls started again at my place of business and on my cell phone XXXX/XXXX/XXXX and have happened at least once a day with an automated message being left on my voicemail despite my attempts to complain to the donotcall registry. 
I finally called them back today at XXXX and XXXX XXXX told me she was with First Recovery Associates and she was with an " arbitration firm '' attempting to collect on a debt from XXXX XXXX XXXX in the amount of {$400.00}. She said I would soon be served and when I told her that she is the XXXX company that has bought this debt and that it was included in my bankruptcy which discharged XX/XX/XXXX and would she like my lawyer 's phone number she said she did n't and that she would just take the file to litigation, then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 06/25/2016 about Consumer Loan (Vehicle loan) with Reliant Financial Corporation (CA).
Issue: Problems when you are unable to pay

Complaint: I made an arrangement with gold acceptance to pay them on XXXX XXXX. They claim I never made an attempt I 've been paying on this car for almost two years ( by the wayway ). My family was at the park and they repoed my car two days before I told them I would pay them. Now they keep throwing different numbers at me to pay them back. First they say XXXX then they say XXXX then they said XXXX they keep calling me as if they are trying to help. I tell them how do I know that they will give me the car back they say everything is recorded. Well if that 's the case why was n't my arrangement recorded. This company is a scam. Not only did they take my car unlawfully but they called the police as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All of these companies need to be removed from my inquires immediately.
1. XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 2., XXXX/XXXX XX/XX/XXXX 5 ) ..XXXX XXXX/XXXX XX/XX/XXXX 3., XXXX XXXX XXXX XX/XX/XXXX.
6 ) XXXX XXXX XXXX XXXX, XXXX..XX/XX/XXXX.
7 ) XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is now letting XXXX XXXX state on the payment status of a debt the it has been " REFINANCED OR RENEWED '' .Thats weird because to refinance is to start the term over at a defferent rate $ $ $ and renew is to reseason the account in which no payment was giving to the collection agency so how is this allowed and hownis this even possible???

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Home equity loan or line of credit) with PHH Mortgage Services Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making regular payments to Merrill Lynch since the inception of my loan back in XXXX. In the XXXX - XXXX time period Merrill Lynch voluntarily paid my ad valorem taxes. The first time this took place I simply paid in a lump sum of over {$21000.00} to pay them back. The second time they began to charge me escrow payments of approximately $ XXXX/month which was fine with me. However they misapplied the phone several times. There were times when they told me a payment was not due and they would return funds to me. This confusion cause them to miss appropriate payments in such a way that they turned me and to the credit bureau for making late payments, however I followed their instructions the entire time. For example in XXXX of XXXX I made XXXX payments in one month at their request. In XXXX I also made XXXX payments at their request so I should 've been " ahead ''. Additionally in XXXX I made them a payment of {$21000.00} to pay for the taxes they had paid. Also during XXXX they applied a payment into a suspense account rather than as a XXXX payment. I spoke with them in XXXX and made XXXX more payments. They told me I forgot to make a XXXX payment and at first I assumed perhaps they were correct until I went back and checked my records. I had made XXXX payments in XXXX and they applied XXXX to a suspense account - perhaps because the XXXX payment was not technically do yet I am not sure. I sent them detailed information explaining that their error in reporting to the credit bureau has caused my credit score to be reduced to a point that I can not refinance my home. I received a brief letter saying that they had done their research and felt like they were correct. This is causing me a major problem. Nobody will refinance my house with this credit score of XXXX. I have been told by a credit consultants that the Merrill Lynch blemish is causing my score to be reduced by XXXX to XXXX points. what is the most frustrating part, is nobody will explain exactly where they think I have missed a payment. They simply asked me to produce a copy of my credit report and information on why it needed to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I walked in a sears store ends of XX/XX/2016 to purchase appliances for new home. I asked for store credit when the sears worker comes back tells me I got approved for {$6000.00} credit card I asked him why he did credit card which he insisted it was better because of no interest 24 months and I cut use it where ever I wanted, that day I purchase about {$4000.00} of appliances, I was left with about {$2000.00} on credit card. I used the credit card on a car dealership for the amount of {$1700.00}. I have been paying monthly never been late. I noticed that I wasn't receiving any bills so I called sears credit card they 1st said that it was because my credit was linked to my previous home address so I asked to  change home/mailing address which still didn't receive anything. I gave them another call because didn't notice my balance going down they told me it shows details on statement which I never received the person that I spoke to that day told me I was in paperless billing and I had already set up an account online they told me a other persons name and email that wasn't me and they had even set up that person with their own credit card and I wasn't informed of. And I didn't have access to my own account. I told her I didn't do it she said it had to be you, didn't care much what I had to say I asked to cancel that persons credit card and change the email address to mine and home address. when I receive the 1st statement it had a {$1200.00} increase so now I have a balance of {$7200.00} I have called a lot of times and they give me different story`s that its 12 months no interest and other person tells me I have two different accounts that I have always been paying interest on 1 account. In one of so many calls I told them if they cut give me more time to pay off so I wont have the pay the {$1200.00} more she told me ok pay me {$2400.00} by the end of today but in a very sarcastic way because she figure I didn't have it. Now that happen I'm getting my statements there intimidating me showing minimum payment {$16000.00} and {$1100.00} which i called and after talking to different people finally one of them told me if u don't have that amount just give {$230.00} so there will be no late fees and wont affect your credit but that only covers interest charge for 2 different accounts. on statements only shows 1 account.

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 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NV).
Issue: Settlement process and costs

Complaint: Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. This information has been confirmed with the XXXX XXXX XXXX tax collector. We had never missed a tax payment since it 's a priority lien and we want to make sure that we are in compliance with the law. There was never a written documentation specifying that Chase will open and pay our property taxes just because we applied for loan modification, a loan modification that was never approved. We the clients strongly agree that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. We had never provided a written consent for it. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase has misrepresented the mortgage loan and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts '. The XXXX XXXX tax collection agency received in XXXX occassion double payments XXXX from us and XXXX from Chase and XXXX time the refund came to us and the other time it came back to Chase. We the borrowers are now looking for a settlement in regards to this mortgage loan and to release a lien on our property. During the market crisis Chase was not in the capacity to deal with a high demand on backout loans and they were not prepare to handle loan modifications for what they did whatever was convenience to them. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: About 2 years ago I became XXXX. In XX/XX/XXXX I had to have a XXXX. My wife struggled to keep up with the mortgage and did so until XXXX 2014 when we started to fall behind. By XXXX we were about {$4000.00} behind and foreclosure was started on XXXX. I was awarded XXXX in XXXX and received back pay in XXXX. When we contacted Seterus we were told that it would cost us over {$11000.00} to stop foreclosure and make everything fine. After speaking to a few attorneys we agreed to pay them. They told us that the {$11000.00} would make us current including XXXX mortgage and would cover all legal fees. We then paid XXXX mortgage early. On XXXX we received another notice stating that we owe another {$3800.00} due XX/XX/XXXX. We probably will not be able to make that payment since Seterus took the majority of the back pay I received from XXXX. I believe these piranha will continue to extort money from us until they succeed in taking our home! PLEASE HELP!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX 2015 I submitted a bill pay for {$2000.00} from my bluebird account to an account at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX returned the money on XXXX XXXX 2015 as it was going into a non-like titled account and they did not want to allow it. It has now been 42 days and the money has still not been credited back to my account even though I have provided the trace ID of the returned funds to American Express multiple times as well as escalated the issue multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2015 about Debt collection (Credit card) with URS Holding, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: united recovery systems XXXX # XXXX this company has failed to provide me with competent information that I own this debt they have failed to provide the following information to me. 

1. provide me copies of papers that show I agreed to pay what they say I owe. 
2. prove the statute of limitations has not expired for this account 3. show me that they are licensed to collect in my state 4. provide me with there license numbers and Registered agent My request for validation was sent via USPS certified mail dated XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Hello, I called the credit reporting agency and after they confirmed verbally that they have my chapter XXXX information on file they refused to work with me any further saying they have the right to continue to report the account as open even though it has been discharged. 
Creditor Contact Details : XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Unbeknownst to me Huntington National Bank closed my account on XXXX XXXX 2017. I did not know about this till XXXX XXXX,2017 after I finally managed to get to some human being after placing numerous calls to the bank. The manner in which the account closer was handled had negative repercussions for me. I had a credit card payment scheduled : # 1. XXXX XXXX 2017 ( to XXXX XXXX XXXX {$810.00} ) and noticed that payment was returned and Returned Payment Fee ( {$25.00} ) was applied to my credit card account on XXXX XXXX 2017. I had no idea what was happening as I had more than enough funds in my Huntington Bank account to cover all my bills. # 2. XXXX XXXX 2017 ( to XXXX XXXX {$190.00} ) - Payment has been returned on XXXX XXXX,2017 I also scheduled a money transfer from XXXX XXXX to Huntington for the amount of {$350.00}, It was returned back to XXXX XXXX  and when i inquired what is happening, I was told that Huntington account was " dormant ''. So I thought it was just some kind of a glitch as I used the account regularly and initiated a new transfer fro XXXX XXXX to Huntington for the amount of {$520.00} ( XXXX XXXX2017 ). This transfer has never been credited to my Huntington Bank acct, nor it has not been returned back to XXXX XXXX still. On XXXX XXXX 2017 I was in the branch and made a deposit in amount of {$100.00}. It was accepted and again, no one told me anything. And on XX/XX/XXXX, when I realized that BillPay of my Huntington acct is not working I went to the bank again and withdrew {$810.00} to pay off my XXXX credit card. No issue.. No warnings.. Nothing.. During my visit I was given a phone # ( XXXX ) to call to find out why BillPay is not working. I left a message and nobody called me back. On XXXX XXXX,2017 I finally was able to get a hold of a human and was told that bank decided to close my account. No other clarification was given. So, today on XXXX XXXX,2017 I went to the branch and asked for all money I had in that bank account. It was simply a waste of time. No one at the branch, including the branch manager ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) was not able to give me my money. I was told " we have limited responsibilities '', that my account was closed on XXXX XXXX, 2017, it is on hold and basically they can do nothing. And gave me a phone # ( XXXX ). No one has returned my call still.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Making minumum payments of {$25.00} dollars which is what I can afford right now and still receiving threatining letters from navinet through the mail. Constant phone calls and rude representatives are calling all day. 
loan acct # XXXXprevious request webidXXXX- web

Company response to consumer: Closed with explanation