milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a number of student and parent loans from myself and my XXXX children 's college educations that are now all administered by Nelnet. When I was in school and when my children were in school some of the loans went in and out of deferment automatically- without my consent. I have been making the minimum payments for about five years but the total for all of the loans has not decreased more than a few XXXX dollars. Recently I requested a listing of all payments and how the payments were applied for each account. I noticed that on some of the accounts- especially one with a payment of over {$100.00} a month- all of the payment was applied to interest for several years. There are payments that say " reapplied borrower payment '' which makes me think Netnet redistributed payments at some point. Customer service agents at Nelnet can not answer questions about distribution. They can only read the same information about the accounts that I can access online. 
I think that Nelnet is mishandling my accounts. How can XXXX % of a standard repayment payment not pay any principal for months or years at a time? There have also been many instances of interest capitalized- XXXX of dollars at a time. I need someone who is knowledge about this subject to review my accounts with me. I am and have been paying XXXX of dollars a month in loan payments and my loans are not getting smaller! Can you help me figure this out? Standard repayment is supposed to be 10 years. Between the questionable payment allocation and the automatic deferments I can see this going on and on. I need a payment schedule that I can depend on and track.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Medical) with HOVG, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: on my credit report it shows a collections for medical services i did not recieve

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Managing the loan or lease

Complaint: I am a victim of Identity Theft, and I notified  Ford  more than once, asking for copies of any signed documents. I have not received this proof, after multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: I have a mortgage loan with Fifth Third Bank, unfortunately because of the economy I failed my mortgage payments on XXXX, my house has a sale date on XXXX/XXXX/XXXX, obviously I do not want to lose my home, I have a family, it is my heritage for me and my family. I am trying to make a loan modification, but there is a person, XXXX XXXX, who works in Fifth Third Bank, she is the point of contact, the only person who can I talk to to get status of my loan modification, but she is very unprofessional, from the begin she told me that she will not review the work out package because I had three years with out pay my mortgage and I do not qualify with out reviewing the work out package, finally when she review my work out package, on XXXX/XXXX/XXXX she advise that she will close the file for missing documents, I even did not know that those documents were missing because is very hard to contact her, she never is at her desk, always there is answer machine and never responds the messages, finally she gave me until XXXX/XXXX/XXXX at noon to send the missing documents, if the documents are not faxed by that time, she will close the file. The required documents were XXXX, Tax Return XXXX and Hamp hardship Affidavit, I sent the documents on XXXX/XXXX/XXXX, I called to the bank on XXXX/XXXX/XXXX to confirm I sent the documents, I spoke to XXXX he said the status has to be with XXXX XXXX, tel : XXXX ext. XXXX, I called her no answer, I left a message for her in her voice mail, she does not call back, on XXXX/XXXX/XXXX I called her again, answer machine again, I called to the bank tel : XXXX, I spoke to XXXX, she said the file is closed for missing documents I explain that I sent the documents on time XXXX/XXXX/XXXX, she said I have to talk to XXXX XXXX directly to get status, I told her it is very hard to contact her, she said she will send a message to her contact me, she call and let me know the case was closed, I ask why and she said for missing documents, I told her I sent the documents, she said the hamp hardship affidavit is missing, I told her I sent it and it is signed by the Borrrower and Co-Borrower, she said she needs one signed by the Borrower and another one signed by the Co-Borrower, the file is closed and there is no way to re-open it. It does not make sense for me, the form has XXXX signatures, I thing she does not want to help the homeowners, I feel like there is a discrimination. I really need help with this, I do not want to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Trouble during payment process

Complaint: On XXXX XXXX I called Freedom Mortgage to find out how to get PMI removed from my loan and was advised ( and verified XXXX to pay XXXX and the monthly charges would be removed. Additionally there was a request to pay bi-monthly ( which would only be allowed once an additional monthly payment was paid - i.e. if monthly payment due is XXXX to pay an advance of XXXX and can then initiate bi-monthly debits ). 

After my payment for XXXX cleared and my PMI was not dropped, nor was the bi-monthly option available as per their website, I called Freedom Mortgage to find out why. Over the course of 3 phone calls, including one with a Supervisor by the name of XXXX, I was given 3 different reasons why PMI was not dropped. One of the more humorous ones was I needed to pay {$130000.00} in order to drop PMI. That 's the loan amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I have been getting payday loans from this company for years and this month because my last was not within 30 days of XX/XX/XXXX they had to date this month 's loan for XX/XX/XXXX and instead of holding it for XX/XX/XXXX in good business practice. Instead they deposited it on XX/XX/XXXX. Other companies call and ask if that date is okay or not. I was charged a {$29.00} NSF. They did call me and tried resolve the issue but the Area District would not okay the return of the fee. I know I was not the only one with this issue because the clerk at the center told me so.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Due to illness, I used an XXXX to get to hospital XX/XX/XXXX. The ambulance service sent a bill XX/XX/XXXX which my husband paid online on XX/XX/XXXX. XX/XX/XXXX we received a letter from collection agency saying we did not pay for the XX/XX/XXXX service. We provided to the collection agency both verbally and twice in writing with a partial copy of our credit card report showing we had paid and therefore we believe they submitted a false report to the credit bureau because we would not pay again for the service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Unsolicited issuance of credit card

Complaint: I currently use a credit monitoring process from XXXX. As a results of using the credit monitoring tool, I was notified that a creditor, CBNA from XXXX XXXX, South Dakota created a hard inquiry on my bureau. After some light due diligence searching on the internet, it appears CBNA is part of Citi. I have not applied for a Citi card and I dont think Citi has a permissible reason to pull an inquiry for me. I would like the inquiry deleted if CBNA/Citi is unable to provide adequate evidence that I took action that warranted a hard inquiry on my credit file. 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 non-monetary relief
Consumer complaint received 08-04-2016 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I received a XXXX loan to pay off debt. I was making the regular on-time payments and unforeseeably my work hours were cut. I immediately contacted Loan me regarding the matter and they refused to offer any options of repaying the loan. I sent them a cease and desist letter and canceled the ACH transactions that were set up. After speaking to numerous representatives, I finally spoke with a supervisor who was able to assist me. I was originally paying {$840.00} a month at 95 % interest to {$500.00} a month at 0 % interest for 20 months until the loan was paid off. I requested something in writing of the new loan term but Loan Me refused to send me anything. Before I could make the payment, I went online to my account to submit the payment and they changed the loan back to the original terms without notifying me in writing. I called and spoke to a supervisor to inquire about the changes and he was rude and yelled I needed to make a payment immediately. I asked him where in writing did they make any changes and he refused to tell me and then hung up on me. I am currently working to repair my credit and am only trying to make my payments on this loan but they never told me they were changing the agreement back to its original terms. They also told me I was responsible in paying {$11000.00} back which was never the amount I owed on the balance. My original balance was {$9000.00}. The first payment I made was for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I am a member that was affected by the disgusting and illegal debt collection practices Navy Federal Credit Union conducted. The XXXX ruled that Navy Federal Credit union compensate " members '' that were affected by their disgusting and illegal debt collection practices, such as locking me out of my checking account if I missed one credit card payment. I contacted Navy Federal Credit union to alert them that I was a " member '' affected by their disgusting practices ; and I was told by a supervisor that they would audit my accounts affected and I would receive a letter in the mail. 13 months, and several attempts to contact Navy Federal Credit union about the matter I still have not received a letter nor compensation. My question now is did Navy Federal Credit union contact all " members '' alerting them of the XXXX ruling? Why did I not receive a letter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Other fee

Complaint: I have a Bank of America Visa Credit Card. Bank of America has charged me a {$25.00} returned payment fee in error. The statement balance on XX/XX/2016 was {$160.00} ( see attachment # 1 ). For many years I have had the full balance automatically deducted from my XXXX checking account by Bank of America. On XX/XX/2016 Bank of America billed my XXXX account and XXXX transferred the payment to Bank of America ( see attachment # 2 ). It is the policy of Bank of America to transfer the amount due on the day after the statement due date, they tell me. According to Bank of America 's representatives by phone, they then billed my XXXX bank account again for {$160.00} on XX/XX/XXXX? XXXX correctly realised this was a duplicate billing and refused the request for electronic payment. This is obvious from the credit card account statement for the period ending XX/XX/XXXX ( see # 3 ). There were no additional purchases totalling {$160.00}. There was only one payment to Bank of America in the amount of {$160.00} by electronic transfer from XXXX. After the transfer the balance due was {$0.00} plus the " returned check fee '' of {$25.00} because XXXX refused to pay the erroneous double billing. Bank of America does not permit on line communication about my credit card. I spoke with two Bank of America representatives and both refused to correct the error. They kept saying my check bounced. I have not paid a credit card bill by check in more than 10 years. I wrote to the two addresses provided by Bank of America to resolve credit card problems ( see # 4 and # 5 ). Today I received their response by mail ( # 6 ). They still insist I must pay a returned payment fee even though the problem is that they billed twice in error. Of course, I no longer permit Bank of America to bill my checking account automatically since they can not be trusted to do this correctly. As I told Bank of America, this is an excellent money making gambit to help their bottom line. You bill customers in error twice what is owed and then charge them a fee for only paying the correct amount due even though you credit back the erroneous amount billed. This is fraud.

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 11/28/2016 about Credit reporting () with ID Analytics, Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was denied credit for a vehicle, the reporting agencies were XXXX and a reporting agency that I have never heard of, which is Sagestream , llc XXXX CA XXXX. Phone number XXXX. My credit score with XXXX was 618, compare to 551 with Sagestream. I have tried several times to contact them by phone to get a copy of what they are reporting on my report and was not successful. 
With the other credit reporting agencies that have been around for a while they have a automated service to get my information, but with Sagestream they will only respond with the mail and several copies of all kind of personal information. Why are they different from the other reporting agencies and make it very hard for me to get information that they are reporting on me as a consumer, that does not seem far to me, and it is already upsetting to be denied and then fight for information about yourself too. I would like to file a formal complaint on Sagestream, because XXXX has set the standard on how someone can get a copy of their credit report and someone I do n't know can come in and change the standard. I thank you so much for helping me get this matter resolved. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Consumer Loan (Installment loan) with TIDEWATER FINANCE COMPANY, INC. (CA).
Issue: Managing the loan or lease

Complaint: I enrolled into ACH with Tidewater Finance back in XXXX. Due to a missing debit card in XXXX, I had to cancel my card and made a priority to notify all my creditors with autopay of the change. Per Tidewater 's request, I had to now provide a routing/checking # instead of a debit card. Which I did about 2 weeks before my ACH date on XXXX of 2015. Unfortunately, their system has continued to fail to withdraw my account for months now and my payments have been late. I 've accumulated late charges and interest none the less with a high APR due to their consistent issue. Not to mention, through the loan I 've received collection calls and emails when I 've had Automatic Draft set up with their system. I 've had to take time off from work to address their continuous issues and loose money in the process as the Per Diem assesses.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: I received a postcard mailing from SunTrust stating that I had selected ( opted in to ) overdraft coverage for my checking account ; I made no such selection, and had specifically refused overdraft coverage/protection when I opened my accounts. I spoke with a call center worker who corrected my selection to decline overdraft coverage/protection, but neither he nor a branch employee were able to say when or how my preference had been changed without my consent. Changes to my accounts - especially changes that cost me money and produce profits for the bank - should not be made without my consent, and there should be accountability when changes are made so that mistakes can be corrected, broken processes repaired, and malfeasance detected and sanctioned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Federal student loan) with ECMC Group, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by Premiere Credit about removing my Wage Garnishment from a defaulted student loan. I wanted this removed so I could start paying back the student loan without further damaging my credit, so I agreed to a XXXX program that had me pay a set amount each month on time to remove the debt. I was told that after the XXXX month had been paid, I was to contact them to remove the auto-payments from my account and discuss how I would start to pay directly to my loans and remove my wage garnishment. 

I have tried to contact them for a couple weeks now, but each time I call their number and try to speak with a person, it says that their lines are too busy and I should leave a message for them to call me back. I have done this a XXXX times as well as e-mailed them and still no one has contacted me a XXXX later.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with Siwell Inc (CA).
Issue: Trouble during payment process

Complaint: Hi There We have the mortgage from Siwell Inc. dba XXXX XXXX XXXX of Texas ( NMLS XXXX ) My Loan # is XXXX. We are refinancing this mortgage with some other lender and requested the pay off request from XXXX XXXX on XX/XX/XXXX. Despite of out more than one dozen call and fax requests they are not giving our pay off amount. They always transfer the call to a loan officer instead on customer service and loan officer try to sell us other mortgage. Today is XX/XX/XXXX and my lock with other lender is expiring on XX/XX/XXXX and the pay off is the only one loan approval condition left. Why these unethical companies let loose to work and bother the people who are their loyal customers My Info XXXX XXXX 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 09/22/2017 about Debt collection (Medical debt) with Account Management Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX -XX/XX/XXXX I have been harassed by this debt agency separate and same under two names : in XX/XX/XXXX in had a medical procedure. My insurance paid per plan agreement providers. Four unknown medical professionals also were paid ( unknown because they all were employees of medical facility not my care professionals before or after that date ). Subsequently we went to court XX/XX/XXXX: judge ruled to reset and determine a new dollar amount he did not accept theirs. For months I called they refused to talk with me : in XX/XX/XXXX the went to court and presented same documents I had disputed and got judgement : I received copy of order in mail and called and was told I was served and came to court and lost! A lie I did n't receive a notice nor was I in court. Somebody was apparently but not me : the notice of service was not made it was a lie : note the original notice of service was fraud ( says served on adult male in  twenties nobody like that or age was in/at my home ). Since this agency had returned to court three times doubling judgment fees and a lien on my home : I asked for legal advise and was told this is elder abuse at least. This agency has already been compensated by the original medical facility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX / XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief