milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Loan) with Larry H. Miller Group of Companies (CO).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: In XX/XX/XXXX I purchased a XXXX XXXX XXXX from the dealership XXXX XXXX XXXX XXXX XXXX. I was told I only received financing from 1 company. I believed them since I knew I had credit issues and this was a new start fresh. I did not know at the time the company I received financing thru was owned by the dealership. If I had known I probably would not have gotten the car. When there is no disclosure of business relationships its hard as a consumer to make informed decisions. 
I was later been made aware that I received an offer from XXXX XXXX as well as XXXX XXXX but was never given the option of this other financing company. Since obtaining this loan I have been unable to trade it in because of a lawsuit with the car and the amker and the value has since been cut in half of what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am enrolled in an automatic debit payment plan with Navient. They take XXXX out of my account on the XXXX of every month. They are claiming that I am late in my payments and charging me a late fee for my loans because even though the date they take the loans out of my account is on the XXXX, my due date is actually set up on the XXXX. This was unknown to me when I set up the payment plan. I have contacted them over 5 times about this and the past 3 attempts to fix it, someone at Navient has said they were going to refund my late fee and fix the issue however that has yet to happen. I am concerned because I am getting charged a late fee when I do n't feel like it is fair to charge me a late fee, and it is affecting my credit and also hurting my chances of releasing my co-signers which requires 24 months of consecutive non late payment. Navient has set up my monthly debit payment in a way that it is taking more money from me and making it impossible for me to advance further in my economic independence.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I originally had a student loan which has been sold several times since I consolidated in XXXX. XXXX XXXX sold my loan to Navient. I have automatic withdrawal of my student loans and have never been late or missed a payment. I was checking on my account which I took out with graduated payments expecting it to be paid off in XXXX. To my surprise my pay off date is now XXXX, another 5 year of payments to my loan which were not authorized. My interest rates remained the same but how did they add 5 years to my loan without my knowledge??? Then my son who also attended XXXX XXXX university for his XXXX degree and took out a consolidation loan for 10 years, noticed his payments were less and found the same issue. He was extended to 20 years without his knowledge or consent. He was annoyed and paid off his student loan within a couple of months not wanting 10 more years of interest at over 7 %. My interest rate is acceptable, but how do they get away with adding 5 years of interest without consent. I had trouble keeping track of the loans. I have another for my daughter which went to XXXX which will be paid off soon. I am XXXX years old, 5 years longer is outrageous!! No response to emails requesting how this happened. Can not tell from current documents when change occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (I do not know) with AllianceOne Recievables Management (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX claims they sent me something and I never received it. I moved and did n't know they sent anything. They expected me to pay. I will not pay this as I am not obligated to pay for something I did not receive. They sent the debt to Alliance One for payment and they are rude and they hung up on me when I told them to please stop calling me. No matter how many times they call, how many years pass, I will not pay them the XXXX $ they say is owed or anything else. Calling me is completely pointless and leads to nothing but feeling harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed the debt several times and NCC Business Services refuses to remove the error from my credit report. I am a XXXX that I can not complete because I am continually getting denied for student loans. I have never had a collection problem prior to this, and I would have payed the debt and took responsibility of the issue had it been my fault. 
Damages to carpet were caused by a flood during the appliance repair caused by the installer. Shortly after, mortar pointing left the entire apartment covered in dust, including the carpet. Other incidents also occurred, none of which were caused by the tenants. 

I have paid a lawyer to attempt to remove the collection because I have been falsely targeted, but the cost is almost as much as the debt itself. I am fighting this because not only am I not responsible for the damages, but now I must pay fees to fight these claims. I sent a letter to NCC Business Services explaining why the charges are not my responsibility, but they never responded or have done anything to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received approximately {$5500.00} by Stafford loan to earn my degree. I made payments for a little more than a year and then the reality of my XXXX set in that no one was going to give me a job when you have XXXX 's XXXX. So I asked XXXX XXXX what could I do and they said there was a forgiveness program for people with 100 % XXXX like myself and I asked for them to send me forms. They became Navient during this exact time frame. Navient automatically kept rolling me into forbearance charging fines and accrued interest. I have requested this forgiveness route and appropriate forms and the operators always tell me they will but they do n't. More unrequested forbearance and fines. After no less than eight attempts to get these forms and begin the forgiveness process Navient has placed me on some harassment computerized call list that has " XXXX '' call as many as 8 times a week from XXXX to XXXX. " XXXX '' does not have a path to Loan forgiveness. And emails have failed to get the appropriate forms. Now, I just routinely block each new phone number that the government tries to use to harass me. As a XXXX vet who tried his best to return to the workforce and be a more contributing member of society I am utterly despondent at the treatment I have received. The stress of XXXX is compounded by the financial hardships that Navient has caused by attacking my credit rating that has rolled over into other outstanding debts I was already struggling to pay. In an emergency I had to buy an appliance so I got a lowe 's credit card. My XXXX payment account first changed my interest from 16 % to 29.9 % not because I missed a payment but because my credit rating fell because of Navient. Even though I was n't using my credit card and had n't missed a payment they then cut my credit limit to a lower value than the existing total. So now they charge fines as they seek their unauthorized new 29.9 % interest. I contacted them and confronted them and told them to fix it or I 'd not pay them anymore. I want to pay my debt but creditors are behaving like mafia lenders that change the rules and try to extort more money that the original contract I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (WI).
Issue: Closing on a mortgage

Complaint: I had an XXXX mortgage for 2 years. I refinanced for a lower rate, with closing being on XXXX XXXX. I received a letter from XXXX stating they had been paid in full on XXXX XXXX. It is now XXXX XXXX and I can get no answers as to where my XXXX account is. I 've made XXXX calls to the company. In this day of electronic everything, there is no excuse for my account to be " in process '' for 30 days. What was happening during this XXXX period? This very poor customer service and I just wanted to let people know how long things take at this company. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Experian on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Experian they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.

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 11/20/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Financial Control Se I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Financial Control Se in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. My husband is a veteran and we 're looking to buy a house in the next year..Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: Parties : XXXX XXXX - Plaintiff Chase Auto Finance - Defendant XXXX XXXX XXXX XXXX - Defendant My name is XXXX XXXX. I owned a XXXX XXXX XXXX XXXX with a lien and loan at Chase Auto Finance. 
My Vehicle was hit by third party on XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX insured the third party driver. 
XXXX XXXX totaled the vehicle on XXXX XXXX, XXXX. 
XXXX XXXX and Chase worked together to communicate the full payoff quote. 
XXXX XXXX paid the account in full with Chase on XXXX XXXX, XXXX. 
I received documentation from both XXXX and Chase Auto Finance on XXXX XXXX, XXXX, that my loan is paid in Full with Chase and Chase has released the lien on the vehicle. 
Several months pass by and I then received a letter from Chase stating I 'm negative on my Auto Loan. I then started receiving collection calls from Chase. I called Chase to state this account is paid in full and they say no, you owe us {$7500.00}. I state, I do not owe any money on this account, I have letters from Chase stating paid in Full and lien released. 
I then contact XXXX XXXX to inquire. XXXX XXXX Total Loss contacts Chase to conduct an investigation. XXXX XXXX contacts me XXXX XXXX to say that the error is on Chase to please contact them to correct. I contact Chase and they say no, its on XXXX XXXX to correct. 
Chase is now reporting negatively to my credit report, showing 60 days past due and delinquent. I have better credit and do n't have delinquencies except this from Chase. 
This negative delinquency on my credit report is causing me a hardship to purchase a mortgage as since this has been added to my credit my score has dropped almost XXXX points. 
No one at Chase Auto Finance or XXXX XXXX XXXX is helping in this matter. Each side continues to point the finger at one another as I get squeezed in the middle. 
Please help as I have been going back in forth with these two companies for a while now without resolution. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and Equifax is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by XXXX ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX is attempting to collect debit on a Kohls card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and Kohls only attempts to notifiy us was by way of postal mail. XXXX agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The question ( " Have you disputed the issue with the credit reporting company and received a final response '' ) is two-fold ; I answered Yes because I have disputed the inquiry, but on the second part of the question, I have not had a final response yet. 

I was notified by XXXX that an inquiry was placed on my Equifax credit report by XXXX in XXXX of 2015. I am not, nor have been for almost 10 years, a XXXX customer. I have not called them, not spoken to any of their representatives through phone/email/etc, nor have I applied for any of their services. I therefore did not authorize XXXX to access my report. A small XXXX search to learn how to approach this issue yielded numerous news articles about XXXX being taken to court for illegally pulling credit reports. This behavior needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Repaying the loans is awful. I make nearly weekly payments towards my student loans and it takes far more than the ( 2 business days ) to process my payment, meanwhile they tack on the interest as soon as the clock ticks XXXX. This needs to be resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank you

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX, EXPERIAN AND XXXX TOOK 45 DAYS TO INVESTIGATE XXXXXXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.

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 09/18/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Struggling to pay mortgage

Complaint: Dear Sir or Madam : I had a home loan with Washington Mutual taken out in 2007 that was eventually taken over by JPMorgan Chase. When the recession hit I was offered a 3 month loan modification trial via email of roughly {$10000.00} per month which I paid in a timely fashion. It 's important to note that this was the last moneies I had. Once the 3 months expired I was not offered any modification but began receiving threats of foreclosure. I was forced to sell the home on short-sale and I lost the hundreds of thousands of dollars I put down for a down payment and the house as well. I ended selling the home for significantly less than I paid for it. As a result, I lost all of my money and, like many people during the recession, had to start from scratch which caused a huge burden on my family. I submitted full documentation when I received the mortgage and had the income and assets to receive the mortgage. My mortgage with WaMu was not subprime. I would like to be compensated by Chase for my losses. I lost my home, had to relocate my family, and lost all of the money I invested in the home. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: TrustedID XXXX by Equifax The website is impossible to reach and the XXXX number posted is never open. The enrollment for credit/ID protection due to the recent hack of Equifax is difficult to navigate and the process is never ending compounded by the severe difficulty to even log in to my account. 

There is always a XXXX wait for each phase of the protection enrollment but there are very long delays due to the website to log in is always down. 

Equifax is falsely advertising that it is taking care of the 140+ million names that have been hacked but days are passing by fast without any real expeditious help from Equifax to protect us. 

Equifax management should be prosecuted for this horrible breach of consumer identity protection.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: The credit Card company ( PNC BANK ) has charged me a late fee because I paid my bill at XXXX XXXX  instead of XXXX XXXX on Saturday. They charge me XXXX dollars. This is very arbitrary because Saturdays are considered weekend and payments at XXXX XXXX eastern time versus payments at XXXX XXXX makes would not create any undue burden on the credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I had tried to open an account online and my initial deposit did not hit the account. I then received a letter saying my account would be closed because my initial deposit was not made, instead of closing the account they left the account open and kept charging me fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In XXXX XXXX, the correspondent re-financed his house. Using equity from the interchange, the correspondent asked XXXX XXXX XXXX XXXX ( the escrow company ) to pay off his Citibank account in the amount of {$31000.00}. A first check was sent in XXXX XXXX. As this check was not cashed within thirty days, the correspondent asked the escrow company is cancel that check and re-issue another check. The second check was sent using XXXX or similar courier on or about XXXX XXXX XXXX. That check was cashed and deposited by Citibank on or about XXXX XXXX XXXX. 

The correspondent started checking his Citibank for the deposit for thirty days. When the deposit was not forthcoming, the correspondent then had a phone conversation with Citibank Payment Investigations. The resultant fax ( XXXX ) was sent XXXX XXXX XXXX. 

Subsequent digital and physical mail communications with Citibank indicate that the deposit was made in an incorrect account ( XXXX ). A subsequent digital communication indicted that the correspondent should ignore the letter sent on XXXX/XXXX/XXXX or words to that effect. 

After repeated efforts on the part of the correspondent to rectify this situation and with full and complete disclosure of all attached information, Citibank has refused to continue to communicate regarding this issue. 

The correspondent has continued to pay the monthly payments on the account to ensure the good state of his credit record. 

XXXX Original correspondence with Citibank regarding the paid off account dated XXXX XXXX XXXX includes ; a copy of the source check from escrow company and deposited check from Citibank. 

XXXX Copy of digital correspondence on XXXX XXXX XXXX where Citibank tells that they inadvertently deposited the check into the account of XXXX XXXX. 

Correspondence1 Correspondence2 A collection of the digital correspondence between XXXX and Citibank

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