milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have filed a complaint with M & T mortgage ( Complaint number : XXXX ) which I am awaiting response, but I would like to add important additional questions for response to that same complaint number : Why did M & T rewrite the Note/Promissory Note on our loan change, but appears to clearly kept the same original extended adjustable interest rate repayment part in the Note, etc., but did not keep the MATURITY DATE THE SAME ( caused a payment from 15 year payoff to a 30 year payoff ). Why not make other adjustment to adjust the monthly payment ( like lower the interest rate ). Why are the ( Loan Servicing form ) created for the Promissory Note change and loan change not signed by any employee from the bank ( i.e. XXXX XXXX, Vice President of XXXX XXXX XXXX , XXXX, as Servicer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. But their is no signature. XXXX and M & T mortgage should have all these copies.

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 10/29/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Syndicated Office Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this collections account on my report from Capstone CR a few times, and I have asked multiple times for validation of this debt. I have not once received the information to validate this debt and I do not/have not ever had a contract with them. Instead of providing the information to me, Capstone CR has deleted and readded the collection to my credit report, all done during the week of XXXX XXXX XXXX. Now this collection that I have asked and asked to be removed, has started the aging process over. I do not want to be stuck with this debt even longer now due to their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (SC).
Issue: Problems when you are unable to pay

Complaint: I went to Conn 's to buy a computer and TV. When I ask when payment was due, I needed it to be around the XXXX and was told NO PROBLEM I can call and have the payment date when I needed it. When I got home I called and was told no the date could not be changed. I explained what had been told to me but they said sorry, I had a 10 day grace period. I was supposed to have 12 mo 0 % but if all payments were not made on the due date they told me, the 0 % interest was void. 
If not paid on due date I start getting calls ( as many as 15 a day ) They now are leaving messages asking for XXXX?? and all in XXXX. If I call back, I get someone that does not speak English or get transferred then hung up on. I have asked for a copy of my account, It takes several phone calls and finally after2 1/2 months finally got one. Interest is 35 % and the extra amt. paid is not going on the balance, just says future payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I noticed that my mortgage payment increased by approximately {$500.00} per month since XX/XX/XXXX. In the account statement, I found that the difference was due to a substantial increase in my escrow account ( from {$87.00} to {$500.00} per month ). The mortgage company, XXXX, paid out {$1400.00} from my escrow account, causing a negative balance in my escrow account and the increase of my monthly escrow payment. My real estate property tax was analyzed by the escrow department of this company ( XXXX ) in XX/XX/XXXX, however, it is incorrect because my real estate taxes have never been that high ( I have been in my current residence for 8 years ). This was confirmed by my city tax collector.
Although XXXX paid out {$1400.00} from my escrow account, my real estate property taxes were in fact never paid. I received a warrant noticed from my city that I did not make tax payments. When I called, the city tax collector informed me that the mortgage company has not paid my taxes for the last 3 quarters and that I will have a lien on my mortgage if I do n't pay soon. The total amount of taxes I owe to my city is currently {$500.00}. The amount of overage that XXXX has charged me is {$830.00} for XX/XX/XXXX and XX/XX/XXXX. 

I reached out to XXXX on XX/XX/XXXX for this matter and received an automated response. I never received any call backs. Since then, I called numerous times and spent hours on the phone trying to resolve the issue, but nothing occurred. On XX/XX/XXXX, I mailed a letter per CFPB suggestion. I have attached the letter in this complaint. On XX/XX/XXXX, I called again and spent 2 hours on the phone. A representative ( XXXX, agent # XXXX ) told me that a supervisor will call me back. When the supervisor called, I could n't answer the phone and this supervisor left a message stating that her name is " XXXX XXXX '' and left me the XXXX  number without an extension. When I called in the morning of XX/XX/XXXX, a representative told me that I can not reach XXXX XXXX because it was never indicated in the notes that XXXX XXXX indeed called, and that I need to continue to wait for a supervisor call back. 

I no longer have any confidence that XXXX  has any intend on resolving this enormous error nor can I tell whether this error was made intentionally or not. On XX/XX/XXXX, I sent customer support an email request to immediately close my escrow account and not to disburse any further payments from my loan 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 11-02-2017 about Mortgage (VA mortgage) with LoanCare, LLC (VA).
Issue: Trouble during payment process

Complaint: LoanCare, LLCCustomer AdvocateAttn: XXXX XXXXXXXX. XXXX XXXXXXXX XXXX, VA XXXXI am writing to request correction of the error described below in regard to the mortgage on my property. Your company failed to credit the payment of $XXXX I made on XX/XX/XXXX via the USPS and XXXX XXXX XXXX  XXXX Cashier’s Check # XXXX (enclosure 1). Per enclosure 2, XXXX XXXX paid off my loan in full $XXXX onXX/XX/XXXX. On or about XX/XX/XXXX, your company issued an escrow refund of $XXXX.  I contacted your Customer Advocate team on XX/XX/XXXX to address this issue. A ticket # XXXX was issued for my complaint. I contacted your Customer Advocate team again on XX/XX/XXXX and XX/XX/XXXX.  As of the date of this letter, my complaint has not been resolved to my satisfaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To the Consumer Financial and Protection Bureau I enrolled to a debt settlement program after my XXXX from the military after the few years of negotiating to a XXXX or more creditors they finally settled some of it some are they violated my rights and end up to a harassing call XXXX of this creditors are the XXXX and ended up happening to settle out of court my debt settlement company agreed not to file a law suit in order to forgive the debt. another debt a XXXX an unsecured debt that already been settled by my settlement company the XXXX. now the issue here is what ever i do to check my credit reporting still showing a negative impact to my credit report now I cant even get approve to purchase a home because of this XXXX credit reporting agency wont fix what is the right credit report. I hope your agency can give me an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit report on XXXX XXXX and it states I have a Capital One bank account with a limit of $ XXXX that I never opened in XXXX. I 'm born in XXXX. I never had a bank card at XXXX Someone has hacked my identity and I never noticed until now. I do not have a bank account with Capitol One. It is stolen identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at XXXX on XXXX XXXX and no response was given after I mailed request.This company is also reporting on my credit bureaus for the same debt as XXXX XXXX XXXX. So I have duplicate debt showing on credit file.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
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: I have been leasing a  2016   XXXX   XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease.  Currently   XXXX  is reporting those month s as 30-59 day s late. I have asked them to remove these credit markers and they have told me that they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau '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 08/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had the XXXX card so long ago and the account was closed and I want to know wits still showing up on my credit report, should n't it have already been removed ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i went to XXXX XXXX/XXXX/14 to buy a car. i found a 2014 mustang stock car with no upgrades, loon the sales man stated that the car was XXXX $ but that we can work down the price to {$19000.00} out the door, so i said ok ill put {$11000.00} down cash and finance the rest, so over a period of a year i was unable to keep up with the payments and was wanting to sell to a friend who would accept the payments so i called the finance company to see how much i needed to pay off the company. they stated XXXX i was confused and went down to gaudin and talked to loon and he remembered me and that i put XXXX XXXX so he said he contact me after he located my contract in the office. two weeks went by and nothing was heard, so i called and then he sent me supposedly the copy of the contract with the finance numbers not recognized. that total sales price of my car to be XXXX and a false signature made by me. i called gaudin and nothing. then my car was repo again and i was unable to keep up with all the extra fees and i let it go. my car was taken and they did n't contact me to get my belongings back nor when the auction was. i know for a fact that i did n't sign to by a XXXX XXXX i was told XXXX $ out the door. now im walking and am unable to get around. i have always maintain myself with a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: I recently inquired to my auto lender Santander, as to why my balance has not been going down, I have had the loan for 6 years and I still owe a significant amount of money. I was told that there were some late fees ( of which they seems to be more than it should be ), but even more so I was told it was the way the interest was accruing. I could not get a lucid explanation for how this " interest '' was accruing at such a seemingly inordinate way. I want to have this looked into, as I believe the customers are not being disclosed as to how the interest is being calculated or added on. I think that a refund or a reduction to balance is in order. Santander is very difficult to deal with and you get different explanation every time you reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with CITIBANK, N.A. (WI).
Issue: Billing statement

Complaint: With XXXX Exxon Mobil / CITI card. I have never paid this account late. It has always been on auto pay. XX/XX/XXXX something happened in their system and it made a auto payment from a closed account. If you look at the statement for XX/XX/XXXX it has the date of the payment as XX/XX/XXXX. From the file named " exxon payment '' you can clearly see the date of the payment and also it was from a different checking account than any other recent payment. They even credited back all charges and fees. I tried several attempts to get this corrected and they say they will but never follow thru.

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 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had no communication or knowledge of account going into collections.

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 02/24/2017 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Billing disputes

Complaint: I disputed a fraudulent transaction on my Chase credit card from XXXX. They sent me a packet with the merchants response that I received in the mail on XXXX/XXXX/2017. I promptly mailed my response that evening to be picked up by the postal service on XXXX/XXXX/2017. Chase closed my dispute without ever reviewing the documents and when I contacted them via phone, this morning XXXX/XXXX/2017, they informed me they never received the documents and I told them to look harder and then they miraculously found them. They then informed me that they could n't reopen the dispute since it was closed and I 'd have to write a letter to reopen it. I asked them for the phone number of the dispute department to which the representative informed me that they have no phone. I feel like Chase did n't even attempt to resolve my dispute since they completely ignored my supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with Steward Financial Services LLC (PA).
Issue: Managing the loan or lease

Complaint: I was granted a change of due date from the  XXXX  of the month to the  XXXX . Paid the regular  XXXX  payment and set up for auto withdraw for  XXXX   XXXX .  XXXX   XXXX   XXXX  withdrew  XXXX  payment in   XXXX   and I did not authorize  XXXX  car payments in the same month. I called on   XXXX   and was told that there is nothing they can do.

Company response to consumer: Untimely response
Consumer complaint received 12-03-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from Portfolio Recovery Associates , LLC about a credit card from XXXX/XXXX/XXXX. I received this notice on XXXX XXXX, XXXX. They say that they have had this since XXXX/XXXX/XXXX. they want me to pay {$2200.00} for this debit. First off it has been 15 years since debit was made. Second I do n't believe this is my debit. It has been on my credit for years and I have constantly questioned this. These people have called me on my cell phone all times of day. The last time I was called I was in the store. The lady was extremely rude and stated " Let me finish what I have to say before I listen to you. '' I then told her for the 100th time that they are harrassing me and to please leave me alone. they continue to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have complained before. I am paying more than the minimum due each month however Great Lakes is not applying any of my payment to principal. There statement does not say how much interest is due each month, only the payment amount, and all payments regardless are applied to interest. How can I ever pay this loan off? Why do they not need to provide a normal loan statement that shows interest charged, interest paid, amount received, and how it is applied? FYI I have an XXXX and XXXX and I 'm an expert XXXX, and I ca n't understand what they are doing. Please help ... As it is, this payment is taking about 40 % of my disposable income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with AFNI INC. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I would Like to file a complaint on AFNI COLLECTION AGENCY On  XXXX   XXXX   2017  I sent in a debt validation on account that they say I owe So Today  XXXX   XXXX  I got a letter from AFNI With some bogus logo from  XXXX  I have never had a account with  XXXX  or AFNI in my previous Certified mail request to AFNI I asked them to please send me a copy of any credit application signature attached An Explanation of what the alleged account blance was for. Documentation that shows I agreed to pay the debt Also agreement that grants them the authority to collect on this alleged debt. A copy of their state License. That failed to send me the all of the information about this account that they claim I owe. at this point I would Like to file a complaint of HARASSMENT because they did not provide me anything regarding that this is indeed my account I also would Like to ask AFNI NOT TO CONTACT ME UNLESS THEY PROVIDE THE ITEM THAT I HAVE REQUESTED ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Since at least XX/XX/2010, I have experienced unrelenting difficulties and obstacles in the adjustment and repayment of my private student loans serviced by Navient ( previously XXXX ). By providing bad information, processing payments incorrectly, and failing to act when borrowers complained, Navient has cheated myself and many others out of our right to adjust interests rates and lower repayments. Navient ( XXXX ) has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment. When facing unemployment or other financial hardship, Navient ( XXXX ) systematically made it harder to obtain my right to a payment plan according to what I could afford. 

Navient has continually obscured information needed to adjust and maintain my lower payments, steering struggling borrowers toward paying more than they have to on loans. In turn, its subsidiaries made illegal misrepresentations relating to the federal loan rehabilitation program available to defaulted borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two accounts on my credit report by XXXX XXXX. I dont have ANY contract or transaction with this company nor have I authorized any transactions to be transferred to this company. The account information on both of these accounts does not show my COMPLETE and ACCURATE information as required by the FCRA. It does not show my social or date of birth therefore it ca n't be verified to be an account owned by me.

Company response to consumer: Closed with explanation