milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Consumer Loan (Vehicle loan) with NATIONAL AUTO LENDERS, INC. (FL).
Issue: Managing the loan or lease

Complaint: This car payment has been paid in full since XX/XX/2015 it is still showing that I owe. This is damaging my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Advertising and marketing

Complaint: I am upset with Capital One and all other credit cards that promote a % return on what is spent on the card. These customers are not saving but rather running up their credit card debt. The % return only really lowers the high credit card interest rate by a miniscule amount. People do not understand this obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (NC).
Issue: Credit decision / Underwriting

Complaint: Attempt to transfer a credit mortgage to me without consent : The following issue paid and closed around XXXX at time of XXXX contract was signed by me XXXX initial opening in XXXX. Same was after around 11 years of payments was repossessed / by Greentree for missing a few payments remaining on the total sale to have the trailer, I lost my job and was unable to meet the payments and didnt have any finical recourse at the time, later greentree submitted garnishment of taxes, to the state, til the bill was paid and later sent me a statement of it having been paid in the mail, it was purchased by someone else and rented out for a number of years up til present XXXX began getting a notice from Ditech, along with a list of theft use on my credit of party 's trying to obtain mortgages using my identity without my consent. The Greentree company location was burned and this is someone with a confused issue. Any recent matters are identity theft, trying to use my credit at this location. Property does not belong to me and should not be in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Suntrust sent the WRONG statement for XX/XX/XXXX ( for the 4th year in a row ) after I paid my escrow shortage. They took so long to send the correct statement that I did n't pay my mortgage for XX/XX/XXXX until the end of the month. As I always do, I added additional principal to my payment so now I need suntrust to sent a CORRECT statement for the amount due XX/XX/XXXX showing my payment for XX/XX/XXXX, the higher principal amount due and the lower interest amount due. I have asked repeatedly but they refuse to send a correct statement which I do not understand and they refuse to provide any customer service without going through a third party. They are completely incompetent and unprofessional and I need them to do their job and send me a CORRECT XX/XX/XXXX statement IMMEDIATELY. I should not have to keep asking.

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 10/21/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a single mother that went to college and got a degree. I am unable to afford the payments of my Private Loan which is through XXXX but American Education Services is the lender ( AES ). I have been in contact with them several times that the {$250.00} a month payment towards my private loan is difficult for me financially as I am a single mother. They have told me several times that they do not have any type way to help lower my payments. I was told no process is in place for income-driven repayment plans or any other type of payment plans. XX/XX/2015 I got accepted into XXXX University to pursue my XXXX studies then enroll into a XXXX. I had to quit school because AES told me that I had to repay my loan and I had exhausted all forbearances and deferments. I told them that I am XXXX to work towards becoming a XXXX and I would be in school for some years. I was informed that even when I am enrolled in XXXX I will have to make payments towards the loan. I had to quit school and I am a single mother who can not pay both a private loan and other loans on my salary. I would like to go back to school forcing me to work part-time, but it is impossible since they will not defer the private loan payments or even offer income-driven repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Can't contact lender

Complaint: The company 's website does not give a clear concise history of principal and interest paid. I did not always get payment confirmations, which is the only way to see how your P & I payment was applied, the customer portal does not provide such details. I made a significant payment ( XXXX % of outstanding balance ) and my P & I structure did not change. I sent two messages stating this and NEVER received any response. I fear that I was overcharged interest but they will not respond.The company 's website does not enable consumer to track outstanding balance on a regular basis. I fear that I have been overcharged! It seems that this is on purpose to keep consumer ignorant and make sure we are not able to see any errors or mistakes on the company 's part. This leave open ample room for fraud! I sent messages to the lender communicating this fear multiple time and no reply in over three months. I believe there maybe fraudulent activity on their part!

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Shopping for a loan or lease

Complaint: In XXXX 2014 I purchased a new vehicle. The auto dealer brokered financing for a car loan. Now I am attempting to purchase a home and can not obtain a mortgage because I have over XXXX hard inquiries on my credit reports from all XXXX agencies. 
Capital One Auto Finance pulled my XXXX, XXXX and XXXX credit inquiry on XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14 and XXXX/XXXX/14. XXXX inquiries in XXXX months on all three reports? How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (Conventional fixed mortgage) with MONEY SOURCE, THE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I got a loan through The Money Source in XXXX XXXX for a primary residence. In XXXX they sent me a letter stating that there was an escrow shortfall. I had to come up with another XXXX to cover the shortfall and even with this additional money my mortgage payments increased by ~ {$500.00}. In the meantime I was granted a 5 year property tax abatement by my township which effectively reduced my mortgage payments by ~35 %. I just received another letter from The Money Source stating that I had another escrow shortfall. They have now instructed me to pay another {$2400.00} and that my mortgage will increase, yet again, by another {$400.00}. I then went to the tax office in my township and requested a copy of the property taxes I paid last year. When I called the representative who handled my case back in XXXX, we went through the numbers and there is some mysterious amount of over {$7000.00} that is listed as an " actual '' payment that does not match up in any way with the document I received from the township. The statement The Money Source sent is very confusing and has " actual '' payments and disbursements listed. What 's the difference? Either they are guilty of gross negligence in calculating my property taxes not once, not twice, but three times ( because they also got it wrong prior to my closing ) or they are a predatory lender. The way the conversation ended was I was told that I had to pay the new mortgage amount, which now represents an ~ {$900.00} increase from the amount I was originally quoted I would have to pay, by XXXX XXXX. The statement I received is dated XXXX/XXXX/XXXX but I just received it today, XXXX/XXXX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Auto) with Reliable Credit Association, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me 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 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have an XXXX XXXX Credit Card with Chase Bank. I received an email from Chase today, XX/XX/18, at approximately XXXX EST stating that I am now enrolled in their digital emailing service for any account that I already accept paperless statements. I do not have any paperless services with Chase. The email states that I will still receive paper mailed services where required by law, however, when I verified my account, Chase had automatically enrolled me in e-statements and " other information '' digital services without my affirmative consent. In the past, I have actively denied Chase 's offers for e-statements several times so I strongly feel they are violating the e-sign act ( and TIS ) by signing me up for a service that I : ( a ) did not affirmatively consent to ; and ( b ) received no information regarding any potential fees or charges associated with this. There was also no definition of what " other information '' digital services was. There was a link to their security page which ( buried within that page ) is their privacy policy, but nothing that stands out or refers directly to the terminology contained in the email. 
In order to correct all of this unnecessary hassle, Chase provided a link within the email to 'check my digital communication settings '. The link brought me to the Chase home page where I had to log into my account, find my way to the " paperless options '' and manually unsubscribe for these services I did not consent to. 
If this is happening to me, how many other Chase customers received the same message but don't realize they are now enrolled in a service they may not want?

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: First of all they are trying to say I owe XXXX which is XXXX XXXX because I havent even been in school that long and my mom has paid XXXX. They are scam artists and need to be shut down before they XXXX over more people.

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 Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XX/XX/XXXX I sent EXPERIAN a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX BY EMAIL which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX  XXXX and 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 non-monetary relief
Consumer complaint received 02-10-2017 about Debt collection (Federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Financial Asset Management Systems sent the attached letter to the payroll department of my employer. The letter included information regarding intent to garnish my wages, and the amount of the debt FAMS is seeking to collect. They allege the debt results from a defaulted student loan, but all of my student loans were consolidated and are in good standing. I have no defaults on any loan of any type on my credit history. 

FAMS has never made contact with me about this debt, the only contact I 've ever had with them is via the impermissible letter they sent my employer. The letter has caused me significant embarrassment and 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 non-monetary relief
Consumer complaint received 06/26/2017 about Debt collection (Auto debt) with Credit Collections Services, Inc. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : - 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club,  etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

Company response to consumer: Untimely response
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company " premium asset services '' refused to identify themselves when I returned a phone call after being hung up on by an employee who called my business number to verify who i was and hung up chuckling. When I called back to try to identify this " company '' and validate the reason for the call, another employee told me it was not his responsibility to inform me of the company name or matter, just that they were moving forward with the precedings and again hung up on me. I called back again and spoke to the " executive director '' who said he did n't want to argue the semantics of debt collection with me and rudely asked " if I was going to pay or not '' to which i said No. I tried explaining that I want proof of this debt and he said they have previously sent notifications. Not once did they notify me that " this is an attempt to collect a debt and any information obtained will be used for that purpose '', a phrase I know needs to be used in my state of Massachusetts under the FDCPA. They used language suggesting that they would " sue us '' if not resolved today. I have never dealt with such a bullish, unprofessional, and aggressive group. My wife stopped answering harassing phone calls from one employee because he would say things like " I do n't know what you are so afraid of? '' We have phone records of up to 4 phone calls in a single day, also against the massachusetts FDCPA. When asked to identify themselves when you do answer the phone they just repeat can i speak to " your name ''. If you ask what this call is regarding they ask if they are speaking to you. Upon finally talking to the executive director, he calmly talked to me and said " ill be honest with you, there is n't enough debt here to take you to court '', even though his colleague informed me that they were " moving forward with precedings '', another infraction. I agreed to pay the debt upon validation, and he wanted me to give him my credit card today for a future withdrawal to secure our arrangement. to which i said absolutely not, and he told me to get a prepaid card and call him back with it. I am writing this in the hopes that others do not have to deal with this type of harassment from such an unprofessional " company ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Struggling to pay mortgage

Complaint: Despite numerous requests, Ocwen Loan Servicing, LLC keeps failing to substantively respond to the efforts of this firm to assist our client in resolving this matter. In addition to failing to substantively respond, Ocwen issued a short sale denial letter, even though our client never applied for a short sale. This firm 's attempts to resolve this matter have been met with letters from Ocwen Loan Servicing, LLC instructing us to contact a different department within Ocwen. As instructed, our firm has provided letters to the different department, but we continue to be ignored, and the delinquency amount continues to grow while Ocwen fails to properly address this situation. Ocwen has moved forward with scheduling a foreclosure hearing on XXXX XXXX, 2017. Ocwen is holding, in a suspense account, more than {$30000.00} which belongs to our client. Ocwen 's actions and inactions are violations of Federal and State loan servicing standards.

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 03/28/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I deposited a personal check from XXXX in the amount {$4800.00} to the JP Morgan Chase branch at XXXX NJ between XXXX and XXXX on XX/XX/2017. I walked up to the counter and handed my Chase freedom credit card to the clerk for identification, and went back to my car for more ID/address. I talked with my girlfriend in the car for 10-15 min. When I got back, the clerk already cashed my check. However, my account was never credited for this amount. On XX/XX/XXXX and XXXX, my Chase credit card had fraudulent activities totally $ XXXX + XXXX + XXXX + XXXX = {$300.00}. For the {$10.00} fraud, my Chase freedom card duplicated a transaction on my Chase unlimited card which is something that only someone within Chase can do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have recently pulled my Experian credit report and contacted the XXXX County to verify a BK that is reporting inaccurate information. They stated that this information is not reporting and any source that is saying they are able to obtain this information is falsifying information. I have recently put fraud alerts on my accounts due to this. Please review and remove the following on my credit report. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00} Bankruptcy chapter XXXX-dismissed Date Filed XX/XX/2012 Reference # XXXX Court XXXX BKPT CT WI MILWAUKE XX/XX/2012 Reference # XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00}

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 06/25/2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX/XXXX/2015

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