milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX I purchased a XXXX XXXX from XXXX XXXX financing was being done by XXXXSantander..I executed all documents and assumed it was complete.The process was choppy and confused as signing was rescheduled and when I finally picked up the vehicle things seem to be resolved and I signed a XXXX XXXX XXXX contract on XXXX that was dated XXXX left with the vehicle on XXXX and got a ticket for no inspection sticker even though it was supposed to be included and was listed on the itemization.Then the real problems began and I received a call from someone at XXXX saying that I needed to fill out another application on line because the loan was not being " funded '' by XXXXI did that and received subsequent calls from XXXX trying to sell me another car??? On I received several subsequent calls from XXXX saying it was all set and then it was n't and I needed to do another XXXX  application??? The entire situation was ridiculous.They had my downpayment, I had signed all the loan and ownership documents but apparently there was some probllem between XXXX and XXXX XXXX I spoke to XXXX in XXXX to I believe a XXXX XXXX, who said she thought it was all set and that I should check with XXXX so my father and I called XXXX and spoke to a XXXX  and XXXX in Internal lending and they confirmed that there was some " irregularities '' with the loan because the vehicle was exchanged on XXXX.I advised her that that never happened.Apparently XXXX was trying to cover up for some internal errors with their documentationShe then was emphatic that we should be all set because the numbers matched on the application numbers and the loan would be funded.This funding issue was not my problem but we thought it was resolved.We even discussed when the XXXX payment would be due because now all the dates were different.She said it would n't be until XXXX days after the funding date and I would get a statement and interest would only accrue from the funding date. 

On XXXX I received in the mail a notice that the car would be repossessed unless I came up with XXXX?? This is insane the dealer did the financing and apparently had some clerical issue with the funding source and this is somehow my problem? They are trying to hold me responsible for their internal error.I have no issue paying the loan but it is unfair and deceptive to hold me accountable for their errors.They also violated fair credit with the errant disclosuresThey are a mess and this was ridiculous.I buy a car with XXXX XXXX  interest with dealer provided financing and I am responsible because they XXXX up?????? They are holding me responsible for their internal accounting and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (FL).
Issue: Taking out the loan or lease

Complaint: Back in XXXX 2016 I purchased a new vehicle ( XXXX XXXX ) from XXXX XXXX in XXXX FL. I do n't purchase vehicles on a regular basis so I, like most other consumers are not aware of the car business. The dealer ENCOURAGED me to take a savings in the form of a lease. However, they never told me that I could not sell the vehicle, trade the vehicle or refinance the vehicle when the vehicle is leased. I was under the impression that I had the same flexibility as if the vehicle was financed via traditional means. 
I was greatly surprised when I attempted to refinance my truck only to be told I could not because it was a lease. I was also surprised when I attempted to trade my truck and was told I could not unless I paid the dealer {$13000.00} to take the truck. I think car dealerships should be required to inform customers of these facts instead of leading customers to believe something else just so they ( dealerships ) can meet a sales quota. There should be some law to protect the consumers from dealer price gouging. 
I would like to have my truck financed traditionally so I will have the flexibility to sell, trade, or refinance if I so desire.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Had a water loss at our home XX/XX/2016. XXXX XXXX immediately mailed a check based on the estimate for repairs, {$18000.00} XX/XX/XXXX. Had to send check to NYCB to get an endorsement. Work was completed in early XXXX 2016. Sent final bill and other requested paperwork to NYCB. They released {$5000.00} of the funds and stated they needed an inspection to make sure the work was done satisfactorily. Inspection ordered XXXX XXXX. After weeks of not hearing from anyone regarding the inspection and numerous phone calls to NYCB, an inspection was finally performed XXXX XXXX, six weeks after the request. Meanwhile, the contractor needs to be paid and we need to pay for rugs and carpet that was ordered. No, NYCB continues to hold our money hostage now claiming that the inspection was incomplete and they need to schedule another one. I do not have another six weeks to have an inspection done. Granted, this is a {$350000.00} mortgage on a $ XXXX house so it is not like they are not going to ever recoup their money if something were to happen to the house. It is a scam NYCB is running by pooling insurance claim funds, earning interest on these funds while holding their mortgagee funds hostage claiming that they need more paperwork, inspections etc ... At my wits end. Please help and beware of NYCB.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit card () with JPMORGAN CHASE & CO. (ME).
Issue: Billing disputes

Complaint: I have a Chase credit card. I initially set it up for automatic payments of the minimum amount due. Chase contacted me telling me that they need to change my credit card account number and they sent me another card. Since then I have been belled for {$60.00} of late fees. This account was set up by myself for automatic payments but the payments stopped working. The amounts are {$25.00} in the XX/XX/XXXX cycle and {$35.00} in the XX/XX/XXXX cycle. I want to recover these fees and interest and also complain formally since this it the second time that they have done this since I have been a card holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a mortgage loan through PennyMac and have been generally happy with their servicing up until. I refinanced in  XXXX   XXXX  to a lower rate after having the property tax rate for my house increase significantly. Everything seemed to be OK.     However, out of nowhere my monthly payment went from {$2000.00} to {$2200.00}. This is for my upcoming payment due on  XXXX   XXXX ,  XXXX .     When I checked with PennyMac they said that it was due to taxes and homeowners insurance increasing. However, I have not received any notification of change in my property tax rate for this year, nor any change in my homeowner 's insurance. Furthermore,  PennyMac  said that there was a shortage in my escrow of {$1000.00} that they needed to make up. I do not know how there is a shortage in the escrow, if they just went through a refinance with me a year ago. It makes no sense and I feel like they are taking advantage of me.     Finally, I just want to say that they were less than transparent about this change. While I commend them on their alerts that they use to send statements and notices that my mortgage is due, they provided ZERO notification about this change until I saw it on my monthly statement. After I asked about it, they added some form to my online system and said they would mail it ... but come on. If this was a legitimate increase, they would have known about it for some time and could have at least provided me with a little more notice and explanation about such an increase.     While {$140.00} per month may not be a lot to some people, for a middle class family of  XXXX , that is a considerable amount that impacts my family 's monthly budget.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2016, I was contacted by XXXX XXXX at XXXXXXXXXXXX regarding a XXXX in which I found off XXXX. Once I accepted the position i was told I would be helping by sending items to an orphanage. On XXXX XXXX 2016 I was once again contacted by XXXX XXXX with information on my first task which was to receive a check for funding to buy items for an orphanage, once I received the check in the amount of XXXX i was told to deposit it in my account in which I did so. On XXXX XXXX the funds where posted. Once I notified XXXX he changed my instructions on how to handle the funds, in which they, where to get cash from the bank and make a cash deposit into someone else account. I was very overwhelmed and told him I no longer wanted the job because he lied about the position I applied for, On XXXX XXXX 2016 XXXX then requested i deduct XXXX out of the money and send the remaining XXXX back to XXXX XXXX to opt out of the job. Being requested to do so i followed the plan as told and got a Cashier 's Check in the Amount of XXXX from my bank. Only days later to find out the Original Check he sent me was FAKE! Leaving my account in the negative XXXX. On XXXX XXXX XXXX sent me a text stating to contact him at XXXXXXXXXXXX because he had been hacked, only to realize it was apart of the scam process. I went to my local bank On XXXX XXXX 2016 and complied with the rules of making a stop payment on the Cashiers Check in which i was instructed to Sign an Affidavit and Indemnity Agreement my account was then taking out of the negative. Approximately one month later, On XXXX XXXX i received a notification that XXXX XXXX had been allowed to cash the Cashiers Check in which the funds warent intilted to her. I went back to the Local Bank and was told i would have to file a civil suit aganist her. Reminding you that i have no personal information or whereabouts of this woman but the address that was given to me by XXXX for returning the funds, and the initial account information I was told to transfer the funds to originally. I have been very stressed behind this situation and i feel as if the bank was no help at all after realizing they didnt actually put stop payment on the check knowing it was fraudulent from the beginning. Now I am drowning in debt!

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was part of a XXXX company with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to CACH , LLC, who hired the XXXX in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the 30 day time frame, for CACH , LLC and the XXXX to validate this debt, and and my request was IGNORED. CACH , LLC, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since CACH , LLC, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If CACH , LLC attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. ().
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Prior to beginning employment overseas, we settled with XXXX XXXX XXXX in XX/XX/July2017. After moving, neither us nor our tenant has received communication regarding debt owed, until my husband received a phone call XX/XX/XXXX on a US phone number while in XXXX XXXX, XXXX ( which we will not be able to keep ) regarding already paid debt. Upon contacting them to inform them we had already paid the debt, I was told by a phone representative of the organisation that " it is not their problem '' that I did not receive proper, legal notification in the mail. When I insisted we settled with them prior to leaving and asked for proof, I was told they will not send it internationally. I would like to dispute the debt because have we already paid and the company has said they can not send me proof of debt.

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 09-03-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. In 2014, upon request I paid {$2000.00} dollars to XXXX XXXX, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX XXXX I was on the phone for at least an hour ), she mentioned that she could n't open the dispute simply because it goes against company policy and procedure via XXXX and XXXX card, they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing LLC is running some sort of insurance scam, are incompetent or just likes to harass those of us who are unlucky enough to have our loans sold to them. Every year they purchase insurance on my behalf for Hazard or Flood, even though I send them the documentation that I have purchased the insurance. In fact no matter how I send it to them ( Mail or Fax ) they never have a record of this, and it goes on for months, and up to XXXX calls a year and multiple submissions of the same documentation to resolve it. When they finally acknowledge receipt of the information many months have passed and during those months my payments are higher due to insurance added on. This is theft, or fraud plain and simple. Not to mention I get a letter every week threatening me if I do n't comply with their " orders '' even though I have complied multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/2016 I started my dispute with Equifax regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Equifax deleted XXXX records except for the bankruptcy and 1 tax lien. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I also discovered that 1 record they stated deleted, was back on my credit report as of XX/XX/2016. I then sent another letter on XX/XX/2016 to Equifax to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On my Equifax report the bankruptcy remains along with one tax lien and they placed back a tax lien that was removed ( referred to earlier ). I 've attached my letters to Equifax, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I contacted Experian and they stated that it could not be disputed and that XXXX would have to notify them to remove the inquiry. However, XXXX stated they have no record of making the inquiry and I would have to send a written letter to them with detailed info to have them remove the inquiry. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial records?

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 03-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello CFPB My name is XXXX XXXX and I am writing to complain about my private student loan that was originally with XXXX XXXX, but is now with Navient. 

I have never missed a payment since I was required to start paying off my loan, starting XXXX 2009. I graduated XXXX 2009 from XXXX XXXX. 

Since then I have paid a little over {$200.00} each month. 

The original principal balance of my loan was {$15000.00}. 

$ XXXX/month since XXXX 2009 to Present = 91 months total of never missing a payment @ $ XXXX/month = {$18000.00} I have already paid over {$18000.00} back into my loan, yet the principal balance on my loan has only decreased from {$15000.00} to roughly {$13000.00} now. 

This is ridiculous and should be considered a crime. 

I understand what interest is and how it works, but really?! My loan has only decreased {$2000.00} despite paying back the loan in full and more over the past 7 years?! 

PLEASE HELP!

Company response to consumer: Closed with explanation