milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient/XXXX has made it virtually impossible to repay the principal of my loans. I have XXXX loans currently held by this company. I consolidated my federal loans with XXXX in XX/XX/XXXX. Since that time, my loans entered into a period of economic deferment and forebearance. The interest was capitalized and when those periods ended, the loans were repaid on time, every time. I had XXXX issue which led me to call Navient ; I was curious as to why my principal was not decreasing at all. I was told that I was paying late, which was untrue, statements prove it, but was told that if I was not paying XXXX days before the due date the payments were considered late. In addition, when I asked why Navient did not have an amortization schedule ( why was n't a portion of my monthly payment going toward principal and fees/interest ), I was told they always apply the payment to interest and fees first. No exceptions. This is in complete disregard to some of the information on their website. Essentially, in past years I have paid over {$700.00} per month to Navient and was lucky if {$11.00} went toward principal. I will freely share this information if requested. To highlight the problem, I originally got a consolidation loan for over {$37000.00} over XXXX years ago. I have been repaying on time ( excluding economic deferment and forebearance periods ) and yet, after all this time, I now owe over {$38000.00} in principal. This is XXXX of XXXX loans of similar size. I understand that interest gets capitalized, but these numbers seem a bit off and whenever I have called to discuss these matters, I have either been told I need to go into default or just treated like a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX a three/ninety day notice from a very aggressive attorney XXXX claiming to represent a XXXX. without disclosing any debt collection notices as required by law. Soon after, I received a summons to court from Atty XXXX indicating my primary residence and home had been sold in a non-judicial foreclosure. According to my records a Notice of Sale was filed on XX/XX/XXXX then a Notice of Recission was filed on XX/XX/XXXX by Ocwen my current lender. Subsequently, no other notices were filed and I was not notified of any sale dates. I had been communications with Ocwen my lender under review for a loan modification

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XX/XX/2018 WELLS FARGO BANK AUTO made a hard inquiry when I was looking for a pre-qaulifying loan. no credit report was send to me and I never actually finish the application and they still did a hard inquiry.

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 06-11-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Vehicle loan or lease (Loan) with TOTAL FINANCE AC LLC (IL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I went into the XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX in XXXX Illinois XXXX, to purchase a used automobile. When and while negotiating for the vehicle we came to an agreement. To my surprise the car outlet charged me a " Voluntary Debt Cancellation ( VDC ) '' coverage in the amount of {$2200.00}. This particular fee and coverage was not explained to me nor was I advised of it when I was executing the documents. I had expressed to the dealership that I would obtain full coverage insurance on the vehicle and that my insurance carrier would cover any potential loss that may occur. This particular VDC fee had a {$1000.00} deductible if a loss were to occur. 

On XX/XX/XXXXI went to the XXXX XXXX to return the vehicle or enter into some better financial arrangement as I was experiencing some hardship with the moving of my business to a new location. The dealership refused to renegotiate lighter terms or extend the term of the loan thereby lowering the payment. I finally left the car in the custody of the dealership at their XXXX location. I left for my home to think about my options returning the following day to see that the car had been placed in their back lot with all the windows and trunk wide open allowing the rain to completely soak the interior of my car. The XXXX XXXX was under the impression that I had turned the car in and decided to walk away from the obligation. I discovered that the XXXX XXXX had purposely left the windows and trunk open in order to file a claim with the very insurance company coverage they had secretly sold to me. The interior of the car was full of water, mold and terrible odor. I had expressed to the XXXX XXXX what I had witnessed and they completely denied it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I recently pulled my credit reportJPM Chase is reporting a charge off on my acct I called them several times to verify the debtI told them I never received a bill they said they were sending it to an old address it looks like they send the card to a wrong address and someone stole my card or my card number was stolen through a store I dunno. I explained so I asked them to send me all charges on the acct starting from XXXX dollars till XXXX dollars that they are reporting they failed to supply me with the charges on the bills all they sent me was XXXX statements of ending balances with XXXX purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding LLC has continued to collect and alleged debt from me and call my job, without verification as requested. I have never had an account with this company and have sent them many letter requesting verification but to no avail. Now i am receiving threatening phone calls from their agents stating that they are going to send a letter to my job if I do n't give them a credit card number. This is not my debt and I do not have any information from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have never gave my consent to the credit bureaus to expose anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, LOAN WAS PAID BACK BY GRANTOR, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Medical) with Finance System of Toledo, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had maid 3 payments to settle the debt with the company, and the remaining balance they said they would let go is still on my credit report, I have called once and reported it, and they have n't taken it off still.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: During an investiga tion, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   in the amount of {$480.00}. This is not good practice snd violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: ON XX/XX/XXXX Capital One took out a payment of {$25.00} and another payment of {$50.00}. Which on their mobile app I cancelled both payments due to the fact that I realized that I did not get paid till XX/XX/XXXX and funds would NOT be availble at that time. I then post poned a payment to be taken out on XX/XX/XXXXfor {$25.00}. I checked my bank account on XX/XX/XXXX and showed that I was hit with 2 NSF charges from capital. ( so i cancelled that payment for the XX/XX/XXXX payment of {$25.00} ) I quickly looked at my capital one app and shows that they still pulled out of my bank account even though I cancelled my payment with them. I called XX/XX/XXXX they stated nothing they can do what is owed is owed. On XX/XX/XXXX I contacted them again and they again stated that nothing they can do that there was no cancellation on there end and I told them that I was on there app and cancelled both payments. ( my payment is due on the XXXX of every month. And I have always paid either before or 2 days later and NEVER been hit with a late fee from them ) That their must have been a glitch on  there end. I have never been late with a payment nor have i ever been hit with an NSF charge before from my bank account. They transfered me to another agent and the agent didn't want to listen to what I had to say. Said we can credit your account the {$25.00} for late payment but the return of the XXXX nothing they can do. Stated my bank sent them notification stating no funds were available on XX/XX/XXXX which my funds were available on XX/XX/XXXX. I stated I can fax them a copy of my statement showing when I transferred money into my savings account and the day that it was transfered, he stated that won't matter and to contact my bank. I have asked for them to credit my account for what they have tried to pull and to refund me or credit me the NSF over charge fee from my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Transaction issue

Complaint: In XXXX 2015, during a business trip, my Capital One CC was comprised. Almost 1k in transactions appeared on my account. Until recently, I was satisfied with Capital One 's resolution. Apparently, during the fraud investigation, my account was inadvertently credited twice for the fraudulent charges. At that moment, I nor, Capital One caught the error. Capital One caught the error and sought to resolve which is their right. However, its been 5 months since the original occurrence and I thought it a closed matter. How Capital One handled the error, is the reason this form is being filed. On XXXX XXXX - the purchase adjustments were made to my account. At first glance, when I reviewed my account, I thought the card had been comprised yet again! It was only after speaking with the customer service representative that the issue ( as described above ) was revealed. He advised a letter was sent to me on XXXX XXXX, 2015 advising of the adjustment! My ire stems from the fact, they should have notified me BEFORE any adjustments. Its been 5 months and to just randomly charge someone without knowledge is more than a little inappropriate. Never mind, there was XXXX transaction that was later determined to be legitimate. It was adjusted on my account on XXXX XXXX, 2015. I have now paid 2x for this service due to this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I obtained the student loans originally through XXXX XXXX in 2007. Upon my leaving school I began receiving correspondence from XXXX XXXX for a few years. Each time I asked for deferment I was sent the appropriate paperwork and the deferment was approved. Once Navient obtained my student loan account I requested a deferment, submitted the necessary information regarding wages and living expenses only to continue to receive correspondence requesting additional information. My user information was continuously changed in their system and I was never able to log in to the Navient website to view information they claimed was pertinent to my account. Now I am so far in debt and marks are on my credit report that there is nothing I am able to do to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Auto) with UNITED ACCEPTANCE INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt collector repeatedly reopens my account and claims I have excessive missed payments. 
The claims far go beyond my possession of their tangible property that was sold at auction subsequent to my repossession to them. 
The debt collector also has not given me any proof that it was sold for a lessor amount than the debt originally owed and I have proof of such sale intent letter. I only had the tangible property 6 weeks after contract was made and the tangible property was repossessed. 
I think this company is using unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Payday loan, title loan, or personal loan (Installment loan) with Cottonwood Financial Ltd. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: on XX/XX/XXXX I entered into a loan contract for the amount of XXXX at the local cash store branch when I got to the bank to deposit the teller and myself noticed that XXXX $ dollars was missing out of the envelope with the loan papers. so i went back to complain and the office employee became very nasty indeed.so I called the corporate office and on XX/XX/XXXX they sent me a letter stating that I would be reimbursed for the missing money.as of todays date XXXX XX/XX/XXXX no one from the cash store has gave me one penny for the missing money .I am having to pay interest and fees on money I never received from this loan. that is not fair. every month when I go to make payment all the employees are all new in the office due to a high turnover rate and have no clue what I am talking about.

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 monetary relief
Consumer complaint received 12/22/2017 about Debt collection (Payday loan debt) with United Debt Holdings, LLC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: THE XXXX SOLD MY ZOMBIE DEBT TO UNITED DEBT HOLDING, LLC AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXXXXXXXXXX )

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 04-05-2017 about Bank account or service (Other bank product/service) with SCOTTRADE BANK (NC).
Issue: Account opening, closing, or management

Complaint: I have been trying to get my IRA with Scottrade transferred to my local credit union for almost a month now. Scottrade continues to call & email, tells me that I and the CU are requesting distribution via incorrect forms ( which they 've emailed to me, ) that we ca n't have it sent to the account we are requesting, that we 've checked an incorrect box, etc., and it appears Scottrade is giving us erroneous info from what we can research online and the info from our CU ( a nonprofit. ) I submitted the 4th request ( at the very minimum ) for distribution today, just had a voicemail from Scottrade that they had more questions before it could be processed. I went online to Scottrade 's site and printed and completed the forms required for distribution last night - including a form that NONE of the many people with whom we have had interactions had bothered to send or tell me about. I am XXXX years old - past the age of concern about age for distribution, have an IRA at the CU that I should be able to easily transfer the Scottrade IRA to, have earned ALMOST NOTHING from Scottrade in years ( even tho they made big promises at the outset about how it would grow even tho a small amount, ) and I am VERY tired of this - want the check send to the CU XXXX my IRA. This is more than ridiculous and a nuisance. I have spent HOURS trying to get this IRA transferred to my local CU.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other transaction problem

Complaint: On XXXX XXXX I attempted to send {$1000.00} to a person via Bank of America mobile banking app from my XXXX with the app BoA provided to me. I sent the money to a telephone number, one of 2 choices the other being an email address. This was a domestic transfer to a person that provided me with a service, boat transport. BoA sent the money to a foreign account, unknown to me, they do n't provide any infomrmation. The person I sent the money to has no foreign accounts. I provided no banking information for the person that was to receive the money, only a phone number. They have had their number for well over 10 years, not a new phone number. BoA claims they followed my instructions so they are blameless. They clearly did not. They found the incorrect link to a bank account, not me. This is not the first online problem with BoA in the past 9 months but the only one this complaint is concerned with. 
They clearly need to return the fraudulently transferred money. 
Claim number XXXX. 
Account ending in XXXX. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For the last XXXX yrs. XXXX mortgage company has been servicing my loan collecting payments and has always provided a monthly periodic statement. In XXXX I received a notice from XXXX dated XXXX stating the servicing of your mortgage loan will transfer from XXXX XXXX Bank, XXXX. ( XXXX ) to Carrington Mortgage Services, LLC effective XXXX. Your new servicer will:1 collect and process your payments 2 : Send account statements and Annual tax forms 3 : Notify you of account-related issues and updates. This transfer does n't affect any of the terms of your loan, other than the terms directly related to the servicing of your loan. So on XXXX Carrington started collecting my payments which I send through my banks bill pay processing center. Since then XXXX - XXXX XXXX payments later I have not received a monthly periodic statement of any kind showing Carrington received my payment or how my payment was applied balance Etc. According to ( XX/XX/XXXX TILA servicing Final Rule ). Creditors, assignees, and servicers must provide a periodic statement for each billing cycle containing, among other things, information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding delinquencies. These statements must meet the timing, form, and content requirements required provided in the rule. When I called contacted Carrington about my monthly periodic statement inin XXXX they told me since my loan was recently transferred over I should start receiving them shortly. So on XXXX XXXX still have not received monthly periodic statement I called Carrington and spoke with XXXX REP-Supervisor XXXX and asked about my monthly periodic statements. She told me I need to send a request in writing to there research dept. for my back statements and a request in writing to another department to receive monthly periodic statements. I know under The TILA servicing Rules they are required to supply me with this information. But will not.

Company response to consumer: Closed with explanation