milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (OK).
Issue: Managing the loan or lease

Complaint: In XXXX of XXXX, I purchased a Mercedes XXXX with a consumer loan from Mercedes Benz Financial. The loan was paid off with 2 years. I recently went to trade in the Mercedes on another vehicle only to discover the title I had still had the lien on it. I contacted MB Financial and asked them to send me another copy of it. They refused to do so without a letter and a {$20.00} fee because of " the amount of time that had lapsed since that account had closed. '' I was informed that a copy had already been sent to me. However, I provided documentation that not only did I not receive a copy, the Oklahoma Tax Commission had not received a copy. I had a printed letter from the OTC dated XXXX XXXX that the lien was still in place. I informed them that the Tax Commission required that lien releases be filed within 7 days or the company or be subject to fines. I was told it did n't matter and that I would still be required to pay the {$20.00} and request in writing the release. All of this delayed an already consummated business transaction to trade the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I had impeccable payment history for the fir st 2 years of the Lease.   I bought a home and moved  and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX Experian reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As far as I know, nothing happened. The same company is still asking for my personal information ( seriously? ) after its already been stolen from them. I need a resolution from all of this, not a stupid enrollment date. Tell me what you will do to correct the situation instead of apologizing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/ and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XXXX. I have spoke to the credit bureau, the XXXX XXXX XXXX  told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX  they sent me back to the dept of ed, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help

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 04/15/2015 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I was notified that a creditor, HSBC, did not report to the credit bureaus my payments to XXXX since XX/XX/XXXX, XXXX, and XXXX XXXX since XX/XX/XXXX, even though they were all made on time. I have never missed a mortgage payment, and have been with them for ten years. After learning that this non-reporting does impact my score, I wrote a letter asking that they insert the payment information ASAP. They refused. HSBC account # XXXX contactXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is charging me for a debt that is not mine. I had a lease with my wife, we separated finished our lease she renewed by herself I never signed anything and I guess she broke the lease and now this company has a collection on my credit report which is wrong. I need help as I tried to resolve myself and could n't even obtain the validation

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Current status, I have 3 loans through Navient. They are currently in grace period, but I have been making payments. 

XX/XX/XXXX - I paid {$2000.00} towards my loans. Navient withdrew {$2000.00} from my account and only applied {$1500.00} to my principle and interest. My Navient account reflects I only paid a total of {$1500.00}, however, my bank account is reflecting {$2000.00} has been withdrawn and the other {$500.00} has never been applied to my loans or refunded. An email from Navient on the date of payment reflects {$2000.00} was paid despite only {$1500.00} being applied. 

XX/XX/XXXX - I paid {$1000.00} towards each of my 3 loan accounts ( {$330.00} to each ). Again, Navient withdrew the {$1000.00}, but only applied {$330.00} to two of my accounts, totaling {$670.00}. I have the email confirmation of the {$1000.00} payment being received, and my bank account reflects the withdrawal by Navient with no refund of the unaccounted for {$330.00}. 

When I called about this issue, I was told that I only paid the amounts that Navient applied and that they refunded the unapplied amounts ( which is not the case ). I called again and was told, " my manager said that the money is not showing on your account because it was automatically applied to the principle. '' This is complete deception, and fraud, by this loan servicer, as there is absolutely no evidence that funds in question were applied to any of my debt, although they were withdrawn from my bank account and never refunded. 

If I looked beyond these two events, I 'm sure that my account would reflect more fraud by Navient. I will provide emails of payment confirmations and bank account withdrawals that reflect exact amounts on confirmations to compare to the inaccurate numbers on my Navient Account History page upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I had a 2nd mortgage, interest only loan, for 10 years with SLS, paid on time every payment. They recently instructed me that the terms of my loan are that I now start paying it off. I applied for modification but was denied. All the while making the payments payments on time with the statements received. Never a late payment. They sent me a new monthly statement for XXXX with the new monthly payment which I paid on time ( well documented bank transfer and even on their web site under my account info shows paid on time. But the XXXX statement shows a late fee being charged. When called they stated they could not change anything although the representative stated she saw that the payment was made. I have never received my new loan documents or a payment schedule from them and really do not know the terms of my continuing loan now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This current account has been reported 45 times with different collection companies all of them have failed to validate the account in this company it 's written starting the account one more time and if it legal under the Federal Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: APR or interest rate

Complaint: I had a promotional APR of 0 % for 18 months on my chase credit card. The promotional APR ended on XXXX/XXXX/2017. When the promotion ended, I had a balance of XXXX, so I was charged a daily interest on the XXXX balance. I called chase and asked XXXX ( customer service representative ) how is my interest charge calculate. I was told that the promotion ended on XXXX/XXXX/2017 and from that day on, they take the APR divided it by 365 and apply that percent to my daily balance until I pay off the balance. However, he said I also pay interest on daily purchases. I did the calculation and the system calculated the interest charges correctly but the customer service representative was trying to convince me that If I made a new purchase of {$50.00} on XXXX, I start paying daily interest on the {$50.00} on XXXX XXXX until I payoff the full amount. I was very confused with this because if I make a purchase on XXXX, I have a until my account cycles XXXX and I should not be paying daily interest on the {$50.00}. If I do not pay the {$50.00} before my due date than the daily interest charges can be put on my account for the {$50.00}. 
Foreign transaction fees for airfare purchased on a website. The payment was made to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I do n't know what the calls are concerning as I do n't owe any debtors other than those debts that are active and payments current. I have repeatedly requested Transworld Systems, Inc/XXXX XXXX - XXXX XXXX to stop the phone calls to my employer. Since my first request on XXXX XXXX via fax to the Transworld they have repeatedly ignored my four ( 4 ) faxes to stop the phone calls and since the initial fax I have received over XXXX XXXX documented phone calls to my employer. It 's threatening my employment as my duties are to answer phone calls. I want the calls to stop and Transworld to provide written documentation of the debt. To date no correspondence has been forwarded to my mailing/home address to dispute the claim. I need assistance immediately to have the phone calls cease to keep my job.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Original loan was taken  in  XX/XX/XXXX - XX/XX/XXXX .   I  am a   XXXX   and after almost 12 years of making payments was told by my current servicing company that I was put into the wrong loan repayment plan for the loan forgiveness program and only have a few months t oward the ten year loan forgiveness plan.    It was through  XXXX   XXXX  I actually owe more mow than I did when I graduated. I ca n't get a mortgage.   I also received a much higher interest rate than I should have seeing that most student loans are at about  a 3 %

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My name is XXXX. I have called and written countless letters to both XXXX ( Only 2 that 's showing ) about this issue of Someone else ( Ex wife ) School loans.. I had No knowledge this was even on my Credit history and I have NEVER Co-signed or agreed to pay {$30000.00} of her school loans ... .Through my investigation prior to XXXX XXXX did not show Me : XXXX of owing any school loans, which is Correct! The young lady that I spoke with said and I quote : '' I see what you 're saying XXXX, This Loan is from XX/XX/XXXX for a XXXX ( Now XXXX ) Your name does n't show up on her ( This ) acct until XX/XX/XXXX " .. I have done everything that I know to do.. She had to have forged my signature on paper or electronically on or before XX/XX/XXXX Per : Representative My information shows up on XX/XX/XXXX .... I would 've never known the month of XXXX if the Representative I was talking to did n't tell me .. I want and need all of my information attached to XXXX school loans removed and off of my credit.. I need HELP! I desperately need help.. This problem is hunting and hindering me .. Please somebody, anybody Help me.. I have Documents showing my signature if need be, if that 's needed to compare the two signatures ( Her forging my signature, if it was forged on paper ) I do n't know what else to do..Thanks in advance Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Private student loan) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making my student loan payments on time. Ever since I made my 1st repayment to AES, the servicer for XXXX XXXX, my monthly payment amount has not been consistent. It keeps increasing. I make my payments automatically each month through my bank. I received a letter that my account is past due {$150.00}. My payment was increased {$150.00} per month without any notice. When I called to inquire, they told me that there is nothing they can do to help me because of the type of loan that I have. They told me two years ago that my payment would not increase, but it did. This is absolutely ridiculous that they are not willing to work with me to keep my payment the same. I can not afford for my loan payment to increase from {$310.00} per month to {$460.00}. I could understand if I had defaulted on my loan, but I have been making payments. I was just told that there is nothing they can do to help me. This is nonsense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Since 2010, I have been completely unable to complete a file for income based repayment. They would either 'lose ' my application, which at first was only able to be submitted via mail, and force me to resubmit, I 've done this plenty of times a year since 2010 and checked up on it but every time they forced me to accept deferment so I would n't pay but interest would still incur. They refused to acknowledge that I 've applied for IBR at any point in the last -7 years- and kept forcing me to defer. Even when I was able to put the application through online, there has been -no- action on it besides " Submitted '' even after sending in my IRS return as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: transunion credit report removes after an investigation then severa months later puts it back on my report, this account was obtained by stepson adding me 2 account with  out my permission.XXXX XXXX XXXX amount XXXX orig XXXX XXXX XXXX, who sold account. no contract exists.the last complaint filed with transunion over 3 months to no response.

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 02-04-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NJ).
Issue: Unauthorized transactions or other transaction problem

Complaint: I went to send my friends wife money for work she had done for my family via paypal. i did this on XX/XX/2018. It was {$4500.00} The paypal email she told me over the phone was correct, but i typed in the number 4 instead of the word for as she did not specifically tell me that. The money got transfered to the wrong paypal account and the user accepted it. Now that user has not answered my emails about refunding my payment. I opened a case with paypal the same day i made the transfer as we later realized it was the wrong account. and they closed it after a few days saying they did not see anything wrong with my account. Paypal makes it impossible to cancel an incorrect transaction or properly confirm emails of who you are sending payments to. The customer service reps on the phone at paypal were absolutely useless in my case, they assured me I would get my money back and i have not. I am extremly annoyed because this is a lot of money. If it had been {$20.00} i would not care, but its over {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Consumer Loan (Vehicle loan) with Financial Credit Service, Inc. (OK).
Issue: Problems when you are unable to pay

Complaint: I received a collection letter dated XXXX XXXX XXXX from ARA Inc . This collection was in reference to XXXX file in the amount of {$13000.00}. This company has not replied to debt validation requests and are to cease and desist at this point in time seeing as how the original date of the sale of this vehicle was XXXX XXXX XXXX. This attempt of collection is well past the state of Oklahoma 's statue of limitations. I also want the proper debt validation that I never received then no further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express - Platinum Delta Credit Card Promotional Offer I enrolled in XX/XX/XXXX to receive a promotion of XXXX delta bonus miles and XXXX XXXX. I qualified for the promotion in the first month. I called on XX/XX/XXXX to inquire as I still did not see any points in the Delta accounts. They opened an inquiry and said it could take 6-8 weeks to resolve. I 've called back twice since then ... since I had not heard anything from them. On XX/XX/XXXX I spoke with a manager, I learned at that time it was a broader issue affecting other card holders. This concerned me because this is the first I heard that ... why are they not proactively informing card holders affected. I requested my annual fee be waived as they did not hold up to the services we agreed to and in addition the interest and opportunity cost they have caused me ... I was denied. About 6 or 7 weeks later they still have no update or time frame in which I can expect a resolution. I am using this tool to file a complaint as I could not find a way to do so within American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Student Aid (USA) Funds (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: USA Funds/XXXX continuously report delinquent payments that fluctuates month after month from 90 to 120 to 190 back to 120 days when the account is paid/closed. Before the account was closed, during the time of the late payment dates, I was approved for loan rehabilitation and was making monthly payments on time. These inaccurate late payments are drastically affecting my credit score. I have reached out to USA Funds on different occasions about these inaccuracies and was informed that these late payment statuses could not be changed. I 've also disputed these inaccurate late payments with all 3 credit bureaus and received 'account verified ' after an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax just added two items on my credit report on XX/XX/XXXX/2017. I do not understand how something that just appeared on my credit report on a Sunday when Equifax is closed on the weekends. The credit report dated XX/XX/XXXX/2017 can see two new items were added on Sunday. You can compare with my free annual credit report pulled this XXXX 2017. 
See credit report agencies can added anything and do n't protect consumers.

Company response to consumer: Closed with explanation