milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: This pertains to the complaint # that XXXX was responded to by HMF. the company claims that " HMF attempted to contact XXXX XXXX on XXXX XXXX, 2017, but was unable to '', I would like to have all the copies of communications, on how this contact was attempted? what all processes the company followed to ensure that it meets the Fair Credit Reporting Act ( FCRA ) and how XXXX XXXX 's consumer financial rights were not violated by reporting negative credit information to the consumer reporting agencies without informing XXXX XXXX of this action? Why should HMF should not be sued in this case for apparent violation of the FCRA? Upon receiving the {$750.00} from XXXX XXXX, why did HMF failed to inform the remaining balance on the account?

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (RI).
Issue: Struggling to pay mortgage

Complaint: I have been here for over 10 years I 'm not really good at this or any kind of paperwork my ex always did the paperwork so to my knowledged I just paid the mortgage some how we had  XXXX  mortgages started out with  XXXX   XXXX  what the primary mortgage  XXXX   XXXX   XXXX  for the the low er one a s each year went by both increased each year well   XX/XX/XXXX   it got way out of hand and they wanted me to do a home modification to lower my payments needs to say the same thing happened in this other lender   XXXX     XX/XX/XXXX  to  XX/XX/XXXX   I left a job the following year because I wa s working full time     XXXX  and Thursday Friday and Saturday from  XXXX    XXXX   to  XXXX    XXXX  . I worked at a   XXXX   XXXX   for 17 years my body needed to take a break im almost  XXXX  soon well in   XX/XX/XXXX   a friend of mine needed a place to stay she fell ill at  XXXX  and had to let    XXXX   of he r jobs go because of lifting she and her  XXXX  kids and  XXXX  dogs  XXXX  cat as time went on I was having a had time with work had slowed down   XXXX   XXXX   and she became   XXXX   XXXX   could not work very sad to see a strong person sick but because of all this  XXXX  has made it harder for her to get better but my point that I was writing about is all these mortgage companies or scamming me and I had lost over {$100000.00} in this house and I filled out the application for the hardest hit fund and because she did not go with me I did not understand and they said will let you know in a few weeks well she called to find out what was going on and they said that we were tonight and come to find out that it was n't for the hardest hit fund it was for a mortgage something but I ca n't understand why my other lender transferred by deed without me knowing only because I wa s one mon th behind and we were already making arrangements to get this all taken care of so I am out once again and now I 'm about to be out of my home and these people that need help also not going to have a question though and I do n't think it 's fair at least companies just take but they wo n't and they make a start all back over again. 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 07/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: This is a follow-up to an existing complaint # XXXX. On Friday, XXXX XXXX I called in and spoke with the Well Fargo agent in charge of my complaint. I explained that I wanted to make the first payment of {$1500.00} (? ). She said she could take my payment but I had to call into a different number to make official arrangements. I said I would call the other number and make the arrangements and payment. On XXXX XXXX, I called in and entered all of my information including my account number. After reaching a live person, I was asked to provide the information again. I said I had to call back because I left the letter with my account number in my car. I called back less than 10 minutes later at XXXX and received a message that offices were closed. On XXXX XXXX I tried to call in to make a payment to the normal Wells Fargo XXXX number. I entered my information and got thru to a live person. The Wells Fargo customer service rep could not take my payment and she said I needed to be transferred. I was transferred to an automated system and tried to make a payment but at the end I received a message that this account could not be serviced and the call terminated. I then called the Wells Fargo agent in charge of my complaint ( XXXX? ) and dial her extended extension. There was no answer but I could not leave a message because her mailbox was full. All month I have maintained at least $ XXXX in my checking account so I can make multiple mortgage payments but all I get is frustrations and wasted time. If I am allowed online access to my account I can get this mortgage current within 2 months. It is unbelievable the extent that I have to go through to make a payment, instead I fall further behind in monthly payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Installment loan) with LDF Holdings, LLC (WA).
Issue: Problems when you are unable to pay

Complaint: I was told when i took this loan that every payment would post a small amount to the principle of the loan that was originally XXXX dollars. I have since paid XXXX dollars and am being told that i still owe them XXXX after less than a years time. The information given to my by radient cash was very misleading and not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a claim on XXXX/XXXX/16 [ Case number : XXXX ] SLS responded that they WILL NOT REMOVE THE 30 DAY LATE. There decision is illogical and I will continue to dispute this with more vigor.I have provided my response letter to help explain the details .... 
XXXX XXXX, 2016 To whom it may concern, I am completely dumbfounded at your response! You must REVIEW this attached letter and other documents AGAIN -YOUR INFO IS INCORRECT! You produce and claim you sent a letter stating payoff instructions but I NEVER RECEIVED ANY CORRESPONDENCE LETTER WITH PAYOFF amount! You stated you sent the check back! THIS IS NOT TRUE! I OBVIOUSLY DID NOT RECEIVE THE CHECK BACK or how could you cash it on XXXX when the letter is dated XXXX. If you sent this letter WITH SPECIFIC PAY OFF REQUIREMENTS AS STATED why did you cash the check when a cashier 's check was required! IT IS ILLOGICAL AND I ASSERT it is CORRUPT AND DISHONEST! If this was done properly, and YOU ACTUALLY returned the check, I would have MAILED THE CASHIER 'S CHECK AND ALL WOULD BE WELL. I YOU had NOT CASHED THE CHECK I would have been alerted and resolved this and ALL WOULD BE WELL. IF YOU WOULD HAVE APPLIED MY XXXX payment on XXXX XXXX when it was received then ALL WOULD BE WELL. IF YOUR EMPLOYESS WOULD HAVE ADVISED ME PROPERLY 4 TIMES THAT I CALLED! THEN ALL WOULD BE WELL-but YOUR COMPANY DID NONE OF THESE THINGS and THIS COMPANY SLS is therefore SOLEY RESPONSIBLE!!!! You cashed my check and did NOT APPLY IT!!!! 
Think about this ... If this letter was in my record WHY DIDN'TANY OF YOUR employees have any idea about it! I assert it is BECAUSE IT WAS NOT THERE. I assert that you are unfairly reporting a late payment and that I was unfairly ill advised through personal phone calls and mail correspondence and am therefore NOT RESPONSIBLE FOR 30 DAYS LATE REPORT TO CREDIT AGENCIES. It is NOT REASONABLE to consider this could be! I MADE THE LAST PAYMENT ON TIME XXXX XXXX -- -YOU HELD THE MONEY FOR OVER 50 DAYS until XXXX XXXX!!!! Even though AND ONLY AFTER I called SEVERAL times -see my LETTER again! I AM OUTRAGED BY THE DISHONESTY HERE AND HAVE REPORTED YOU TO THE CFPB

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 08-08-2016 about Credit reporting () with Credit Karma, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a XXXX XXXX Credit card balance and negative report on my credit. The information is not mine. My wife has a XXXX XXXX credit Card, but I do n't. Nor is my name on the card.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Payday loan () with Big Picture Loans, LLC (VA).
Issue: Can't stop charges to bank account

Complaint: I submitted request to stop ACH transactions from my account on XXXX XXXX, 2015 and XXXX XXXX, 2015 to the customer service departmentdepartment and ACH department of Castle Payday per the directions on the loan application. On XXXX/XXXX/2015 they performed a debit on my account. When I called customer service they stated they did n't receive it first, then they said they received it " today '' ( XXXX/XXXX/15 ) which not adequate time to process. When I explained that I sent multiple correspondence to multiple customer service accounts, they had a " supervisor '' call back to investigate the matter. On XXXX/XXXX/15 they called me to say that they did receive the information, but their department was delayed in processing the request. I advised them that I can not be penalized for their error. They then stated that records indicated that they did have it, after I threatened action against them by filing a complaint with my bank. They stated that they will refund the bank after contacting my bank to review the transaction history, to see if I incurred any overdraft fees, and to see what transactions I had on my account. I submitted them a ledger of my account showing the transaction and advised them they do not have to contact my bank for my personal financial information and they are only obligated to see their transaction summary. They have not reversed the funds. I will be filing an Affidavit with XXXX XXXX. 


Bank info : XXXX XXXX, Virginia

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My ex husband XXXX XXXX has horrible credit, when I left him in XXXX he used my information to open up a business credit card using my information and his business. XXXX XXXX he got incarcerated and I started getting calls from debt collectors at capital one for this credit card. The limit I believe is {$3000.00}. Now this is on my credit as a collection. I reported the card as fraud with Capital One. The response was that since my social security number was correct in the application, then it is not a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am still currently in school and will not graduate until the XX/XX/XXXX. On XX/XX/XXXX, I submitted a {$1500.00} payment. The payment was not required. I am trying to be responsible and pay down my student loans before I graduate. Great thing, right? When I submitted the payment, I asked for it to be applied to my oldest loan that has the highest rate. The payment was instead applied to principal and interest. Thinking there was a misunderstanding, I 've asked three times now for Nelnet to correct the payment. I 'm not sure why an active student would want to pay principal and interest instead of paying down the principal - but hey! I 'm not a lender. Not only has Nelnet not corrected this matter, which only required simply following my wishes for the EXTRA, NON-REQUIRED payment I made, I now have received a response that they applied the payment to my newest loan. Coincidentally, that loan has a lower rate than the one I asked the payment to be applied to. They also backdated my XX/XX/XXXX payment to XX/XX/XXXX. Does that seem unusual to the CFPB to me? It sure seems deceptive and abusive to me. It seems as if the lender is going out of their way to ensure I DO NOT pay down debt at a higher rate. Considering how much time I 've spent trying to resolve this, including now writing to the CFPB, I 'm not sure I can even trust NelNet to handle my next payment correctly. Please investigate!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with BWW Law Group, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX and XXXX XXXX has hired another attorney to intimidate and threaten me after their admission to forged signatures and fraudulent documents in XXXX City Circuit Court.
<P/>
The following is complaints for BWW Law Group and XXXX XXXX 1. Candor Toward the Tribunal Rule 19-303.3 - BWW Law Group accepted XXXX as a client with knowledge of forgeries and fraudulent documents. The admissions are attached on 3 separate statements the admission was made. ( see forgery statements attached ) - BWW Law Group accepted XXXX as a client with knowledge of a Forensic Document Examiner 's report that my ( XXXX XXXX ) signature was forged. Though the Circuit Court judge ruled authentic signatures, there is a claim filed with Judicial Disabilities.
( see Forensic report attached ) - BWW Law Group/ Attorney XXXX was aware of the mortgage payment discrepancies Attorney XXXX stated in 3 letters that the amount is {$130000.00}. XXXX and XXXX XXXX submitted court documents that the amount is {$160000.00}. ( see attached discrepancies.
- BWW Law Group and XXXX XXXX fraudulently submitted a validation of debt after XXXX XXXX  submitted an affidavit that the note was lost. ( See affidavit attached ) 2. Respa Violations -XXXX and XXXX XXXX submitted 5 different versions of settlement sheets, presented in court with differences in loan amount, contract sales price, amount due from borrower, signature of borrower and date signed.
- The deed was notarized one year after the alleged settlement date.
-The deed was recorded 8 months after the alleged settlement date.
<P/>
3. Violation of Federal Debt Protection Act - XXXX has trespassed on my property leaving a notice taped to my railing.
- XXXX representative told my neighbors I was being foreclosed on within the past 30 days. The harassment has been extreme I have filed 2 Cease and Desist.
- I have received threats from local XXXX # stating that I will be out on the street 4. Violation FTCA - BWW has called my work number at least 5 times. These were the threatening phone calls. I have returned to XXXX after living through this horror with XXXX XXXX  threats for years.
<P/>
I have maintained from the time that I received the fraudulent validation of debt documents that this is not my note and this is not my deed. My name has been placed all over someone else 's debt.
<P/>
Respectfully, 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 05/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: I have a mortgage with Wells Fargo for my property at   XXXX   XXXX   XXXX    XXXX ., PA  XXXX . The loan number is  XXXX  and was originated in  XX/XX/XXXX . It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.
<P/>
I have been paying consistently on this loan and expected that it would be satisfied in  XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX .
<P/>
At the time of the loan origination Wells Fargo had a contractual relationship with   XXXX   XXXX   to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same.
<P/>
I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage.
<P/>
I have issued complaints to both parties
. Wells Fargo does not acknowledge any ownership in this. They believe   XXXX   XXXX    is at fault.   XXXX   XXXX   does not respond to the complaints. Wells Fargo has since severed their contractual relationship with   XXXX   XXXX   which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/> I will continue to file complaints until one or both of these parties provide the information that I am entitled to.
<P/>   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am being constantly harassed by the law firm Frederick J. Hanna & Associates in XXXX, Georgia. I had a debt two years ago, where I reached an agreement with the original creditor XXXX XXXX XXXX Bank to pay the principal in a lump sum, and the rest would be forgiven due to my financial circumstances. I have not received any communication from the original creditor for over two years, then suddenly in 2015 I started to receive constant and harassing telephone calls from the attorneys at Frederick J. Hanna & Associates in XXXX, Georgia saying I owed a debt for an amount that is much larger than the original balance that was resolved. I have contacted the law firm several times asking for PROOF of the amount owed and I recorded a representative saying " he only worked there '' and as a collection agency he did not know how they came up with the amount I am being sued for. So my understanding is that you can constantly harass a young woman by telephone, mail, take them to court and expect them to pay an amount that as a law firm you can not show proof or a breakdown of what is supposedly owed?!?!?! I have other recordings to show that Frederick J. Hanna & Associates in XXXX, Georgia were not trying to resolve the matter ; after constantly contacting them or leaving messages I was hung up on or my calls were never returned. I asked my original creditor to provide proof of the debt owed and they could not. I was told the account was closed. I sent the law firm an Answer to their lawsuit denying any debt was owed and asking for proof of the debt. For the firm in return to respond and ASK FOR THE SAME THING?!?!? Frederick J. Hanna & Associates in XXXX, Georgia is the law firm suing me, constantly harassing me and expect for me to give proof of a debt resolved OVER TWO YEARS ago when they can not ; it is ridiculous. The law firm is causing emotional and academic damage due to the bullying tactics. The numbers do not add up of what they say I owe, and when I called them to try to talk to them, the lawyer only argued with me and would not show evidence of the exact amount. I have recordings and physical evidence to show the INCOMPETENCE and LACK OF EVIDENCE the law firm has of the debt I " supposedly '' owed. Frederick J. Hanna & Associates in XXXX, Georgia are sharks and need to be stopped!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for a consolidation of my school loans and the income contingent repayment plan with the federal government in XXXX XXXX. My application for consolidation was approved XX/XX/XXXX and I was paired with Fedloan Servicing as my loan servicer. However, I was never informed that I had been approved for the ICR plan by Fedloan Servicing nor did I receive a bill for my first payment under the ICR plan. My understanding was that my application for the ICR plan was still be reviewed. By XX/XX/XXXX, I still had not heard back and as a result, I put my school loans in forebearance, since my monthly payments exceeded my monthly income. At no point for an entire year was I contacted during that time to let me know that I was accepted into the ICR or what my monthly payment was under that plan. Thus, by XX/XX/XXXX at the end of my forbearance period, I reapplied for the ICR plan, at which time, I immediately began repayment. Fedloan servicing admits they can not find the letter in my paperless inbox. In addition, I received an email after the time that Fedloan servicing said I was approved for that plan, that they were still waiting to hear from my to apply for a consolidation. This lead me to believe that my loan application for ICR still had not been completed. The interest that accured during this forebearance was {$25000.00}, which has since been capitalized onto my loan. 
In addition, another {$25000.00} was capitalized on my loan in XX/XX/XXXX for a reason that Fedloan servicing can not explain. I was given XXXX different reasons why it capitalized, and every time a reason was refuted, they came up with a new reason. 
Fedloan servicing gives incorrect information or no information at all, resulting in decisions that cost borrower tens of thousands of dollars. My school loans are currently over $ XXXX- {$50000.00} of which resulted from Fedloan servicing and their ineptitude. 
I am not borrower looking to get away with not paying my loans, I am a borrower who wants to pay what she truly owes, not inflated amounts resulting from a third party. Fedloan servicing has an obligation to keep the borrowers informed. Failing to let a me know that I had been approved for a repayment plan for an entire year is unacceptable. The student loan crisis is in no doubt partially due to loan servicers not providing borrowers with the information needed to make responsible decisions. They read from screens and ca n't answer any questions that deviate from their prompts. PLEASE DO SOMETHING ABOUT THIS. THEIR MISTAKE COST ME {$50000.00} PLUS 20 YEARS OF INTEREST AT 7.25 %!!!!!

Company response to consumer: Closed with explanation