milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (CT).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: A payment was scheduled on XX/XX/XXXX with XXXX at BMW Financial Services, at  that time she did not state there is a notice of default going out, the rep I spoke with yesterday on XX/XX/XXXX, XXXX, stated a notice was sent out but I have not received it. He stated it was sent around or after I scheduled payment with XXXX, XXXX further stated full past due amount is due on XX/XX/XXXX to avoid repossession according to notice. A payment in the amount of XXXX is scheduled for XX/XX/XXXX, this is the payment scheduled on XX/XX/XXXX with XXXX. I scheduled an additional payment with XXXX on XX/XX/XXXX in the amount of XXXX for a future date of XX/XX/XXXX. However, the notice which I have not received states full past due amount is due by XX/XX/XXXX to avoid repossession as stated by XXXX. The earliest date I can cover past due amount is XX/XX/XXXX, I wish to avoid repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Ocwen Loan Servicing counsel XXXX XXXX responded to my consumer complaints on, XXXX XXXX, 2017. XXXX XXXX is requesting I direct all further communication directly to his office. Ocwen Loan Servicing, its employee XXXX XXXX, its everyday harrassing threatening phone calls I had to put up for years, the slander of title which is over the top, all the thousands of dollars I had to pay out of my pocket to stop Ocwen from continuing its abusive servicing pratices, all the lies I had to hear out of Ocwens mouth, Ocwen employee failing to correct its errors and all the other screwed up mess because she is trained to coverup the mess. Dont tell me to direct all further communication directly to your office when you have assisted Ocwen with its abusive servicing pratices harassing me threatened me with the loss of my home in 48 hours if I dont sign increased none negotiable loan modification with increased outrageous balloon payment that I never applied for and that could not even afford to avoid fraudulent XXXX Trustee Sale in 48 hours. The many years I put up with all of this has caused me serious health damage which landed me hospitalized on medication which dragged in several doctors who questioned me who was harassing me. Ocwen has screwed up my credit. I have no savings left because Ocwen stole all of my money. Ocwen has made a disaster out of my life. I have suffered years of abusive servicing practices and years of harassment threats of the loss of my home using cozy relationship with XXXX. The damage is extreme. Thanks to all of my doctors who care I am now bringing all of you to justice. You and you clients are nothing but a bunch of liars who are out to harm me and embezzle my property to maximize revenue ave fill you own pockets with cash. That is the truth!

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to Santander Consumer, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from Santander until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between Santander and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the Santander call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to Santander on the XXXX XXXX while Gap Insurance sent the check on the XXXX. Santander failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one Santander rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling Santander several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because Santander in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (AZ).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed {$300.00}, but had no idea that I would be charged {$900.00} in interest charges until after I received an email stating that {$92.00} would be taken out of my account on a bi-weekly basis. I would never have borrowed {$300.00} from this company under these conditions. After all of this, I have found that these type of loans are supposed to be illegal in the state of Arizona. I have no problem paying back the {$300.00} loan and reasonable interest, but {$900.00} in interest is ridiculous. They have already deducted {$92.00} out of my bank account on  XXXX / XXXX /2017 and the balance is still {$300.00}. I am attaching a screenshot from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have not received any correspondence from either Experian or XXXX during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.

Company public response: Company chooses not to provide a public response
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted the credit reporting agency multiple times this year trying to resolve my issue. I have several student loans reporting between years XX/XX/XXXX and XX/XX/XXXX. These accounts have been closed. Also they are showing as multiple accounts even though they should n't show so many. A lot of the accounts are duplicates of accounts already reporting on my credit report, multiple accounts reported with the same account number. I have tried to contact the credit reporting agency and the response I have gotten is that " they are validated ''. I have asked for proof of validation and have received no response for that request. I asked for these accounts to be removed as they are over 7 years old and not being reported correctly. These accounts are paid in full and closed. I would like them all removed from my account as it shows incorrect credit history. It is hindering my process to purchase a house for my children and I. Please remove these student loans from my account due to age and inaccuracy

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had several student loans that were in default. I had been paying on XXXX set of my student loans through Navient. I had a second set of student loans that I went through loan rehabilitation through XXXX. I finished the loan rehabilitation program through XXXX and then my loan was brought by Navient. I was sent an income base repayment information from XXXX to send to Navient. Since I had a set of loans already through Navient I called them and requested assistance with getting both set of loans due at the same time and the payment reduced to an amount to something that I could afford. The representative encouraged me to do the loan consolidation and led me to believe that it would save me money and my payments would be reduced. When my loan was consolidated it was only {$30.00} less that what it was when the loans were n't consolidated. When I log in to my account I still have XXXX sets of loans both due on the same day which is the first of the month. I could have easily requested a due date change and accomplish the same thing. I do n't understand the purpose of me sending in my XX/XX/XXXX Federal tax return along with household information if the payments were n't going to be reduced to an affordable amount that I can afford so that I do n't go back into default. I immediately called back to NAVIENT and the customer service rep was n't friendly and gave me another number so that the income base application could be mailed to me. It is XX/XX/XXXX and my next payment is due XX/XX/XXXX. When I called the XXXX number it was an automated NAVIENT number stating that it would take up to ten days for the application to me be mailed to me. I shy away from systems that require a password because I have memory problems and get extremely frustrated and do n't trust anyone. I am a XXXX veteran. I tried to explain that to the Representative but before I could get it out she told gave me the XXXX number and sent me on my way. The last person from NAVIENT filled the application out for me and I just had to sign it. I was able to google the application and uploaded to my account along with my recent XX/XX/XXXX Federal Tax return. I do n't feel that NAVIENT was looking out for me or my family. They were just out to get the highest payment. Since uploading the income base application, I do n't see where it was received or if someone is working on it. I also sent an email directly through NAVIENT about my concerns and all I received was an automated response stating that someone would get back to me. That e-mail was sent on XX/XX/XXXX and still no response. I ca n't tell you how many call that I got when I was in collections. I 'm trying to be proactive and stay in good standings. I know that the money has to be repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is the second complaint I have filed against Sallie Mae. I took out several loans between XXXX to attend school overseas at XXXX University. After studying I was married and moved overseas once again with my husband for the military. Finding work here is scarce and we are relying solely on a single paycheck. I have now been dealing with attempting to repay Sallie Mae since XX/XX/XXXX, I am clearly frustrated and at loss of what further action to take! I have been attempting to make payments which have been reversed/not accepted and my total balance and interest are constantly increasing to unreasonable heights. After being forced into forbearance multiple times, and paying hundreds of dollars that will never be applied to my loans, I am now being threatened with the default of my loans. I have asked numerous times for the amount to be reduced to an achievable payment and this request was, of course, denied as well. This company will not work with me, only against me, and I am feeling quite out of options at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is an old  Secured    XXXX   XXXX   card from   XXXX  , it was sold by  Midland fu nding, whom can not verify this account as I was told it was sold an d i would have to deal with the purchaser. Midland Funding can n ot verify this debt and  XXXX  has no right to charge off a Secured Card and refuse to help. I will not deal wit h Midland Funding because they have no agreement from me to take over th e account and the balance also has interest added to it, they can not charge me interest on a charged off account, I did not apply for this card through midland funding and as they do not have my application, they have no authority to collect this debt, they are not a Bank and i have no agreement with them. they reported this to all credit Bureaus as a charged off collection account, yet they have no authority to report it and they know this debt can not be reported by them as they can not prove i owe THEM!  XXXX  told me  Midland Funding Bought this account, but i do n't recall selling it to them.   and since they can not send me a copy of my application, the y need t  o delete this from their files. it is nearing 7 years old, s o it should be removed anyway but i want them to know they have no rights to collect a debt secured by my savings account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2015 about Debt collection (Medical) with Receivables Management Partners, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had medical assistance and my dad 's olds jobs health insurance when I had my son. At XXXX. The state insurance was for baby delivery a baby doctor appointments. My insurance did not cover it and now its in collections

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: no knowledge of the late fee charge

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mitsubishi Motors North America, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX ,  XXXX  I entered into a  XXXX  month lease for a new  XXXX   XXXX   XXXX  with creditor  Mitsubishi Motors Credit of America   XXXX  MMCA  XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent  XXXX  lease payments were paid in  XXXX  lump sum, totaling {$2400.00}, and was received by MMCA on  XXXX / XXXX / XXXX  ( see attached MMCA statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report  XXXX . The vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX . MMCA fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because MMCA 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with MMCA on  XXXX / XXXX / XXXX  a MMCA representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not MMCA ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my  credit score  due to thier fraudulence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Debt collection (Medical) with The TRAF Group (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was in the hospital of XXXX XXXX. located in XXXX De. I suffered XXXX ( XX/XX/XXXX 2009 ) at the time. 
XXXX XXXX requested an independent ( someone who is not assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned to my case. Prior to seeing XXXX XXXX, he called me on the telephone, where he became extremely rude and lets just say unprofessional. He followed that phone call up with a visit where I told him : " I do NOT want your services. '' I shared this with him prior to any verbal exchange when he came into my XXXX room. He persisted that he attend to me ; I let him know under no uncertain terms did I need nor want his services. He was fired. Despite my directive to him and the fact that this incident occurred 6 years ago, I found out recently that a XXXX dollar bill had been assigned to my credit report through XXXX XXXX XXXX XXXX. 
This collection agency is : A1 Collection Service XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, N.J. XXXXI feel this action is unjust and completely unwarranted. 
I do have documentation from XXXX that supports my claim and would be glad to submit that if needed. 
The phone number to XXXX XXXX 's office ( according to the internet ) does not appear to be working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: After signing up for online banking statements ( paperless ), I was still charged a fee of {$5.00} per month for " return statements ''. I have called the bank ( BB & T ) several times each year as well as going to a local branch ( XXXX NC ). Each time I was told it would be researched and corrected. Nothing was ever researched and the fees kept coming. Now the bank ( BB & T ) tells me they are willing to refund me one year ( {$60.00} ) of the fees even though I know they have charged me at least {$200.00} or more in these fees. They also took the money from a small savings account with these same return statement fees and closed the account. They say that they have no record of me talking to them regarding this problem or of me coming to the local branch to discuss this problem. The computers show when I signed up for no statements so the error on their part should show the amount they have charged me and how much should be refunded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been diligently working on a loan modification for the last 2 years. I fell into a hardship in XXXX and was working with the bank for assistance. I hired a XXXX party to guide me through the detailed modification process. We provided all the requested documents and stayed on top of deadlines. After a year of working directly with the bank they denied the modification. I then had fallen into foreclose status which I was trying to avoid. They advised me to apply for XXXX. I have applied twice with the program, once in XXXX which was denied and again in XXXX. I was approved this last XXXX XXXX for assistance. XXXX provided the bank with the approval. I met all the requirements XXXX needed to assist me and get my loan back in good status. They bank needed to modify my loan for the assistance to be accepted. This would have brought my loan current and a lower payment so I could start back making payments. The bank refused the assistance stating that the home had too much equity and they advised me to sell and pay off the loan. I am a single mother with XXXX children that live full time with me. I was granted the house through my divorce in XXXX. I had maintained this responsibility up until XXXX when my XXXX older children became of age and my child support ended. I am XXXX and the economy hit at the same time my fund were reduced. My hardship has improved and I would be back on top with the banks approval along with the government assistance. I have a lengthy paper trail of my commitment to keep my home. I was been advised by the bank every step of the way. Every option they asked me to follow I did. I have spent a solid 2 years consumed with following their direction. I find it unfair and unethical that they will not provided the help that I have proven with documents that I qualify for.

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