milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Problems when you are unable to pay

Complaint: I fell behind on my monthly lease payments. My vehicle was taken by the bank. 
I called to reinstate and was told that I did not have that option because my payment history was not good. I was told that I would be obligated to pay {$36000.00} by XXXX/XXXX/16 in order to get my vehicle back. I inquired whether or not I could pay the cost of the remaining months on my lease rather than the entire cost of the car. 
I was told that paying the remaining payments under my lease term was not an option. 
I must pay the {$36000.00}. My credit report only indicates that I am obligated to pay the balance of the lease it does not state {$36000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (CA).
Issue: Taking out the loan or lease

Complaint: XXXX was the financing agent, they gave financial advice, saying that I would easily be able to purchase the van immediately with their high interest loan, then obtain financing from the XXXX XXXX XXXX XXXX the next week, however when I went to the XXXX XXXX they said that I could not finance the loan because of all the add-ons had pushed the finance amount far above blue book. Over XXXX and permanently XXXX, only social retirement and my XXXX pension as income, I did not mean to spend as much as my house payment on a high interest car loan. I have been paying XXXX XXXX dollars a month for months and the principal is not even paid for yet and the van is depreciating rapidly, the interest payment seems to be {$360.00} per month so I can not address the principal. I knew the car payment was XXXX dollars, however I did not imagine that this was only the interest payment and the principal was never to be paid off, or I could have just leased a vehicle, I would never have gotten into such a bad deal as this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LAMONT HANLEY & ASSOCIATES INC (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX from Lamont Hanley and associates continually calls our business for a debt we told he we do n't own. He has called my computer workers ex wife and will not stop. It is creating problems for orders coming in along with personal issues as a result of his repeated calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I PAID .WELLS FARGO BANK OF XXXX IL. XXXX XXXX. DOLLARS ON XXXX/XXXX/2016. THEY ACKNOWLEDGE RECIEPT BUT DO NOT KNOW WHERE MY MONEY IS AND DO NOT KNOW WHY IT IS NOT CREDITED TO MY 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 02-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a XXXX and I currently have around {$42000.00} in Direct Public Loans ( DLSCNS and DLUCNS ). My service provider was originally XXXX/Navient and I believe I was given poor information on my repayment options. I worked for a XXXX for 2 years XXXX , XXXX, and XXXX. When I was with XXXX/Navient I was weighing my options on wether or not I should enter XXXX Loan Forgiveness or Public Service Loan Forgiveness. I spoke to numerous XXXX/Navient representatives on the phone and I was advised to go with the Public Service Loan Forgiveness. I submitted all the required paperwork for the Public Service Loan Forgiveness, however once I consolidated and moved my service Provider to XXXX servicing I became aware that the two years teaching at a title I school and the one year that I taught at a Not-for profit school, that my payments did not qualify. Now I am 4.5 years into forgiveness and only 1.5 years will count. I feel as though I was wronged by incorrect information from several XXXX/Navient employees whose job it is to know the specifics of their field and provide guidance. Now it will take longer for my loans to be forgiven through this program. Someone needs to look into this discrepancy and figure out how I can get my hard years of service of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was included in the recent database leak from Equifax. Information includes SSN, DOB, first and last name, and my address. I believe a company possess information as valuable as this should be help accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet has a auto-payment option that is not favorable to borrowers repaying loans. This auto-payment option, if you have prepaid your loans or if you are paying more than the minimum, distributes your payments to favor paying off lower interest loans instead of higher interest loans that will ultimately cost the borrowers more money in interest. I have aske d NelNet 's customer support multiple times to favor paying off the high interest loan when I have overpaid and when I have prepaid. However, NelNet has never honored my requests. NelNet has instead continued to distribute my auto-payments to favor my lower interest loans, thus forcing me to pay more in interest on my higher interest loans. Anyone with basic math skills could tell you that paying off your higher interest loans first is better for the borrower, so it is really confusing to me why NelNet  continues to favor paying off lower interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries reporting on my credit report.

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 01/14/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt being collected by XXXX XXXX XXXX XXXX in XXXX, MI is several years past the statue of limitations however, they continue to send threatening collection letters.

Company response to consumer: Closed
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: A derogatory remark and reporting on my credit report from an alleged debt from XX/XX/XXXX. I have requested validation of debt and collection agency has not responded to me. I also submitted a dispute with credit bureau 's and they have not fixed the issue all they did for me, they added a remark on my account that reads " Account information disputed by consumer, meets FCRA requirements '' How could this meet the FCRA requirements when I have never received any notification from any agency regarding this alleged debt. I been residing at my current location since XX/XX/XXXX and never received any letter from them.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This all started on XX/XX/XXXX, for planning on purchasing a new vehicle, so I wanted to check my credit report, and scores of all 3 credit bureaus, so I went on the website of XXXX.To check my information thru website, they charge {$1.00} for 7 days, then cancel, so I cancelled on the 4th day of subscription period. So then I checked my credit card and the charge for a {$1.00}, and {$29.00}, were on my statement. On XX/XX/XXXX, I called Experian about my charge on my Credit Card for {$29.00}, regarding Free Credit Monitoring. So I had to wait for over an hour before, I could speak with someone, so I hung up after 30 minutes. Then I called again on XX/XX/XXXX, about the same thing, after over 2 hours and nobody still no answers, I hung up. So then I called my Credit Company, and they told me to send a letter to the dispute area, saying that I didn't authorize that charge for {$29.00}, so I mailed a letter on XX/XX/XXXX. I still haven't heard back from them regarding the dispute letter, so I planned on checking later today. So during both those times, the automated service asked if I would like to cancel my membership, and I did both times. So I got mad that they charged me the {$29.00}, and don't even do any free monitoring on my account. Except, XXXX XXXX notified me about the dealer checking, along with other banks that checked my reports on all 3 bureaus. So, as of right now, I have sent a dispute letter to my Credit Card company, to refund the charge back to my account ASAP, for unauthorized charge. This isn't the first time, Experian has done this to me. I have seen they are having a settlement against them for this exact thing to other people. I'm also wanting a free copy of my Experian report and score, due to purchasing a vehicle, and being denied credit on a purchase previously before all this happened. FREE REPORT BY EXPERIAN, WITH SCORE AND REPORT.

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 11/17/2016 about Credit reporting () with CITIBANK, N.A. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am on direct payment and even though payment was made, their system did not log the payments correctly

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 05/27/2016 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was contacted by a person claiming to be an official with my local XXXX. The phone number he called from was a local number, so I believed he was who he said he was. He asked if I had been served a summons to appear in court. I told him I had n't. He stated that there was a case against me for defaulting on a loan from ace XXXX express. He stated that he was going to put a hold on my case for 30 minutes in order to give me time to contact the party that had filed the case. He stated that if I did not comply within 30 minutes my drivers license would be suspended. I called the number he gave me and they stated that they were with the XXXX and XXXX law firm and that I had defaulted onot a loan with ace cash express. They stated that they needed to collect a sum of {$760.00} today. I informed them that I could not pay that amount. They agreed to spread the amount over XXXX payments with the first payment to be collected on XXXX XXXX 2016. I was hesitant to give my bank information until they stated that if I did not set up this arrangement then and there, I would be sued for the attempt to commit fraud and my license would be suspended. After they collected XXXX on the XXXX, I called a day before the next scheduled payment asking for an extension. I was denied and told that if I did not pay, my case would be forwarded to the legal department to start the litigation process against me for attempting to commit fraud. I agreed to pay {$95.00} on XXXX XXXX. I then began researching their process and came to the understanding that they did not have the right to threaten me or misrepresent themselves. I dug further and found out that the person that originally called me claiming to be an official for my local XXXX did not exist. I attempted to contact XXXX and XXXX to ask questions and was told that they were not going to deal with me anymore and my case would in fact be forwarded to their legal department. They 've refused to speak with me on the matter since. They never provided me with any documentation of this debt to ace cash express and I feel they have violated my personal rights and the rights under the law that governs their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (TN).
Issue: Account opening, closing, or management

Complaint: I have been trying for at least 12 years to enroll in online account access to my savings account with Navy Federal Credit Union. I have called on many occasions day after day month after month year after year and been told because I filed bankruptcy I have lost my privileges to access my account online. This bankruptcy happened over 12 years ago it is not even in my credit anymore but some how Navy Federal Credit Union has my account flagged to never allow me to have online account access. I never heard of being punished for life for a bankruptcy that happened many years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Several years ago, perhaps four years, I noticed the account balance of my mortgage balance had dropped significantly by approximately {$40000.00}, There was no explanation in my account statement for this. At that time, I thought perhaps my mortgage account had been credited back for inappropriate charges, fees, and negative amortization payments. Wells Fargo employees that I spoke with her baffled, and could not offer an explanation for this account balance fluctuation. After several months, my mortage loan balance increased again.

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 07-02-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage left a message on a home answering machine. Stated this is Wells Fargo Home Mortgage and this a attempt to collect a debt and so on. This home answering machine is shared by other residents in the home. Message was heard by everyone in the house and was very upsetting. I also had guest in the house for dinner that day who overheard the message.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with  XXXX , Experian, and  XXXX  over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies like are  one in the same, but neither one ca n help I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at leas t five  times per year, and rarely check my credit report. Essentially because of my business, I live on  the road. R ecently after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.

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 12-07-2015 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (MA).
Issue: Problems when you are unable to pay

Complaint: TD Bank charged my account XXXX with an overdraft fee of {$100.00} when there was no reason for the overdraft. 
I want TD to inmidiately return the amount since in the last year they have charged me over {$800.00} in overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Balance transfer

Complaint: In XXXX of 2015 I did a balance transfer from XXXX of my credit cards with a higher interest rate to my First National Bank of Omaha card. The rate on the original balance was at 12.99 % and the rate being offered by FNB was 5.99 % guaranteed for the life of the balance and with no fees involved. The amount of the transfer was {$7400.00} and was posted to the FNB account on XXXX/XXXX/15. The monthly payment on this amount on the original credit card was {$140.00}. The monthly payment on the FNB card before the transfer was {$170.00}, which resulted in a total per month of {$310.00} for both cards. Now the payment on the FNB card has increased to {$410.00} per month, {$98.00} per month more than I was paying before the transfer occurred. My question to FNB was how can my payment increase {$98.00} per month when the interest rate on the {$7400.00} amount went from 12.99 % to 5.99 %? Also, in the '' minimum payment warning '' of their statement it was explained that if I were to only make the minimum payment of {$410.00} every month it would take XXXX years to pay off the balance BUT if I were to make payments of $ XXXX it would be paid off in XXXX years saving me over {$1000.00}. FNB insisted that my minimum payment was indeed $ XXXX. When I suggested that I make the $ XXXX payment that was shown for early payoff I was told I would be charged a late fee every month. When I asked the customer service supervisor to explain the " fuzzy math '' to me, his answer was " That 's just how it works. '' So, by attempting to save money every month by lowering my interest rate by a full 7 % I am now spending {$98.00} more each month instead. I wonder how many other unsuspecting consumers have been mislead by FNB into transferring their higher percentage balances to this company and thinking they would also reduce their monthly payment by taking advantage of the lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Financial Systems, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not drive through or been in " XXXX XXXX Mississippi '' for the last XXXX15 years.I never did live. 
I got a threatening letter from Southern Fin. Service asking to pay {$150.00} they listed account # XXXX. 
Their address is SFS XXXX MS XXXX phone # XXXX. 
I wrote them, and they keep harassing me for such amount,. 
they refuse to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation