milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: XXXX. Paid off car loan, # XXXX on XXXX/XXXX/XXXX, {$8800.00}. Requested title to be expedited and sent to home address. I was told I would receive a letter followed by an email notifying me of tracking number. Neither were received. 
XXXX. Called XXXX XXXX US Bank, lender ) beginning approximately XXXX/XXXX/XXXX. I had several phone calls. ( I did not track the number until below. ) XXXX. On XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Informed " must be some mix up ''. Will send again. I agreed to call back with my mother 's XXXX account number in order that the title could be XXXX express overnighted. 
XXXX. XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Provided XXXX account # XXXX. XXXX informed that could only send to a XXXX office since it required a signature and I would not be home. We agreed on the XXXX office : XXXX XXXX XXXX, XXXX, IL XXXX. She said the title would be issued and sent by the end of business on XXXX and I would have it XXXX/XXXX/XXXX. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call to XXXX to XXXX inquiring on account # XXXX - with destination to the XXXX XXXX. I was informed no activity on the account. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call, to XXXX XXXX US Bank XXXX. XXXX with XXXX. I informed her of all of the above. She said they did not have a record of me calling back at XXXX to give the XXXX  information. I replied, " You record all your conversations. You are able to check. I have it here on my phone. '' I informed her that I NEED the title to my car ; that I have a buyer ; that I have already lost XXXX buyer. '' She has informed me " she will speak with her supervisor. '' I paid off this loan over XXXX weeks ago. I deserve to have the title to my car. US Bank will not release it. I have tried every remedy I know. The local branch has no authority.

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 12-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A company by the name of " XXXX XXXX '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " XXXX XXXX '' to validate any information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with TD BANK US HOLDING COMPANY (OH).
Issue: Billing statement

Complaint: The new balance information on this credit card statement is deceiving because it does not take in consideration the credits or payments made. So when I look at my bill it looks like I have to pay more than I owe the credit card company. All my other credit cards the new balance is calculated is like this : previous balance less payment & credits plus purchases = new balance. 
Also I have this bill in autopay, so the money is taking out of my account so the credit card is to be paid in full every month, but by adding the amounts on my credit card statement of XX/XX/XXXX my new balance does n't match the amount of the payment taken by Nordstrom from my bank account, which is showing on XX/XX/XXXX statement. It looks like Nordstrom did not take {$9.00}, and I do n't see this amount anywhere in the credits.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Other financial service (Foreign currency exchange) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Customer service/Customer relations

Complaint: I entered a branch of Bank of America at XXXX XXXX XXXXXXXX, NY XXXX, on XXXX XXXX, 2015 to cash a XXXX denominated check ( XXXX XXXX ) in my Bank of America checking account. I filled in forms and I was told it would take XXXX weeks. It is now almost XXXX months. I have tried to inquire twice through customer service and no one even understands what I am talking about. No one from Bank of America has followed up on the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have disputed inquires with credit bureau and creditors by certified mail and request that inquires be removed from my report because of fraudulent activity. I was employed by the usps which was compromised and also irs had a fraudulent income tax filing in XXXX 2015 these are not my inquires I did not assume credit or get a job with any of these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Payday loan debt) with AAA Auto Title Loans, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( IXXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX Next Card ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXXXXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

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 03/20/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been making private student loan payment to Navient for XXXX XXXX for several months, sending XXXX check to cover XXXX separate loans. They receive the check and it takes 10 days to process and post in their system ( I have mailed payments via priority mail and tracked to confirm receipt in their office ). They called me claiming my payment was late after it was already received, and I told them THIS WAS A VIOLATION OF FEDERAL LAW, since they already received my payment. I also sent written notification of same The next month, they received my payment and applied the entire payment on just XXXX loan, showing the XXXX other loans late/unpaid and charging late fees. There was no notification to me of a change in application of my payments, or I would have written XXXX checks, instead of a single check. 

They have also ceased sending email notices, so I did not become aware of the problem until the monthly statement came through the mail. 

This was all done in retaliation of my confronting them on the practice of receiving my payment and not applying it to my account for 7-10 days, WHICH VIOLATES FEDERAL LAW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2015 about Debt collection (Medical) with Link Revenue Resources, LLC (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just bought a house in XX/XX/XXXX. My credit score was ran in XX/XX/XXXX my score was XXXX. When I went to get a car loan i was told someone recently reported a collection for {$400.00}. This was already on my credit score from XX/XX/XXXX this dropped my score down to XXXX. I was never made aware of this being recollected. I was never contacted to make a payment or asked to settle. I have made numerous attempts to call them and get the issue corrected or pay the balance but my calls go unanswered and unreturned. I have even attemtped to email and nothing has been done. Link Revenue Service has yet to call me back for settlement. Please take this off my credit report along with the bill fro medical placed for collections since they were bought out by Link revenue I ca n't pay them either. This is cauing serious issues for me financially.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with Skagit Bonded Collectors, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: A collection agency in XXXX XXXX Washington named SB & C never contacted me that I had an account that was referred to them, they say they called and sent a letter but I never received either. After 30 days of it being in collections they filed a lawsuit against me. When my wife was handed the paperwork she notified me. I called SB & C and told them that they never contacted me and they said that the lawsuit is their attempt to contact. It cost me {$680.00} to pay off a {$350.00} medical bill. I was never notified of a court date, so I missed it. How can a collection agency sue someone without prior contact regarding my account being sent to them. I feel as if the whole thing was a huge con. They would not provide proof that they had contacted me other than just saying that they had. This happened last year but I did n't know I could file a complaint till now. Their tactics are completely unfair and I do n't see how it can be legal to do what they did to me. Any help or information regarding this would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I normally pay my mortgage at the end of the month, because that is the way my pay comes in. I have been XXXX for about 7 months and recently gone back to work. I attempted to make a payment on XXXX/XXXX/XXXX but the automated system would not allow, which forced me to call the office the following day. 
I found myself on hard time during the course of my XXXX which cause me to be 1 month behind. 
I called Carrington Mortgage on XXXX XXXX to make one full month 's payment and to schedule a second payment on XXXX/XXXX/XXXX. 
The representative said they could not accepted this payment and could only accept 2 months ' payment. 
I explained my financial situation, but to no avail. I told the representative that I would mail the one-month payment in, he told me he would not advise because it is not certain the payment would hit my account. 
On XXXX/XXXX/XXXX I receive a note rubber band to my gate downstairs at street level, " Please call your Mortgage Lender '' anyone walking by this note is visible to. HOW EMBARASSING! this is an invasion of my privacy. Carrington mortgage has my phone number in fact they ask each time a call is placed. 
Carrington Mortgage had been a fair Company to deal with until now. I am in awe and very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen consistantly provides inacurate information regarding payment amounts. We have been denied credit due to the the negative information on our credit report. I have been trying to get this revolved for 1 1/2 years. The State Department and the State attorneys office have both told me to retain a lawyer. I would but I do not have the funds available to do that..

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo approved a loan modification for me in 2010. The untruths told to me about the process, the actual negative financial repercussions and a dire outcome on my home ownership are inexcusable. The entire modification process of homeowners who received this " relief '' needs to be investigated by federal regulators and remedies given to affected homeowners. I am in a worse position now 5 years later than I was before the modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I KNOW THAT THESE PEOPLE HAVE THEWRONG PERSON BECAUSE THIS IS NOT MY DEBT AND SO THEY SHOULD NOT BE CALLING BE BECAUSE I HAVE SENT LETTERS STATING THAT THEY NEED TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with World Omni Financial Corp. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information item is not mine XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2017 about Mortgage (Other mortgage) with Stearns Ventures, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried 3 times to get someone to assist me with my questions and concerns with my escrow account. Stearns Lending LLC has failed with my email request as well as my phone conversation that I 've attempted twice. Customer service gives me the run around and states that the information about my escrow account can be found on their website. I want to have my escrow account reanalyzed for the current year, as i feel there is a significant overage. Ive attempted this request three times with no response or resolution.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is some inaccurate names, addresses and phone numbers.

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 03-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, Ocwen, has flagged my account for the next six months as to only accepting payment in certified funds. This action was due to XXXX insufficient funds transactions within the last six months. No warning was issued or notification of this policy given. Speaking with their customer service is unnecessarily burdensome with multiple account verification at each step, so much so as to suggest a deterrent and not professionalism. I 've been contacted at work numerous times to the point where I requested a note be put on the account for contact after XXXX. Speaking with an " escalation manager '' only resulted in additional frustration. After missing his return call due to being on another line I was unable to reach him that night after numerous attempts. A week later he got back with me and although he called me at my listed phone number he insisted on account verification and was unwilling to shorten the process even after I had identified myself. I do n't consider that customer service, the cumbersome and repeated verifications within their system forces a 10 minute call into 20 minutes. Their policies discourage contact, they institute them without warnings and attempt to harass with phone calls at strategic intervals.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Enova International, Inc. (AL).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a XXXX line of credit. I repaid the company XXXX as was required of me. They added XXXX interest 3 days later. They also took XXXX from my account 2 weeks later. Inbetween the second payment they weee going to take, I contacted the company and asked them for proof and mathematical equations that proved the decimal interest ( XXXX or so ) amount changed to 299 % in a month if the contract states the interest only increases after a year of the line of credit being open. I did not receive a clear response or accurate mathematical equation to justify the added interest. 

I asked the company to stop the interest if I started a payment plan. The company said yes. I paid the company another XXXX and they debited an additional XXXX from my account a few days later after I contacted them to stop payment on the additional charge. Finally, after my account was overdrafted, the company was no longer able to debit money from my personal account. As a result, they opened a new line of interest on the interest they were not able to get, then charged an additional XXXX, totaling a XXXX debt on interest. 

Now, the company is requiring me to pay the XXXX plus any interest it gains at XXXX per month in addition to the XXXX per month payments on the original line of credit, which is now at XXXX. I have corresponded with several people at the company with no one being willing or able to provide a fair option of repayment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with AllianceOne Recievables Management (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On Monday XX/XX/XXXX, I contacted Alliance One by phone in regards to an account that was issued to them from XXXX XXXX Municipal Court ( XXXX ) in XX/XX/XXXX for {$470.00} which they said had now accumulated to well past {$1000.00} due to interest fees. I notified them that I was totally unaware of the existence of this debt and that I would like to settle the account out or make payments and asked how much they would be willing to settle for. I was then told that there are other accounts in the office and that the total amount was well over {$5000.00} and that they would only speak to me about the entire amount. I notified them that I dispute any other amounts that they claim I owe and that I would like to speak to a supervisor to make payments for this specific account from XXXX XXXX Municipal Court only. I was then told in regards to me paying that the whole amount ( $ 5000.00+ ) or no amount would be accepted or negotiated therefore they were denying to receive my payment. I asked to speak to a supervisor and was placed on hold and then without warning, was transferred to a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my XXXX account to monitor my Credit and noticed a Hard Inquiry reported to Equifax on XXXX XXXX 2016 from a lender called XXXX under XXXX XXXX XXXX XXXX. I have not applied for any cards or authorised any Hard Inquiries since XXXX 2016. Please help me get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been making my monthly payments and the beginning of this year the payment has almost doubled. I have other loans and tried explaining that to Navient. I am a single mother of a XXXX year old so well im at work I pay for him to be at daycare not including bills which I explained to the Representive at Navient. The man took all my info and said yes your in the negative with your income and bills if I have to pay what they were asking. He said there was nothing he could do but would transfer me that it was out of his hands. I was transferred and the person did the same thing she took my info and this time asked to speak to my co signer. Well my co signer is now unemployed and my income has not changed yet there was nothing they could do for me. I do n't want to default I just want something reasonable. I understand I have to pay back. When I got these loans I was told that they would work with me. I did n't even get a job with what I went to school for I am just asking for them to be lowered. Navient does not work with you or try and understand. I am a person who is willing to make payments and not default yet they can not accommodate or be reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation