milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Debt collection (Credit card debt) with Crown Asset Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: " Collection Agency '' - Crown Asset Management LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX. has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX.
Crown Asset Management claims to be Representing the best interest 's of the Creditor - XXXX XXXX ( XXXX ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to Crown Asset Management LLC., which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with Crown Asset Management LLC. I am under " No '' Legal obligation to any collection agencies, and my written contract was with XXXX XXXX ( XXXX ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Mortgage (Conventional home mortgage) with WYNDHAM CAPITAL MORTGAGE, INC. (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On or about  XXXX   XXXX , I went on line looking to refinance the mortgage on my primary residence in  XXXX , VA. I was contacted by  XXXX   XXXX , a  professional mortgage consultant for Wyndham Mortgage Company. I was asked to send a n umber of documents which I sent priority mail for {$20.00} to  XXXX . After reviewing the documents,  XXXX  informed me that, based on my income, I would not qualify for the {$410000.00} loan I was requesting. ( He obviously did not look at ALL my income-just my earned income ). So my daughter and her husband accepted to co-sign the loan for me. My daughter sent all the required documents priority mail for {$29.00}. I had an appraisal done on my residence. Everything was working well. My rate was locked in  at 3.625  until  XXXX   XXXX ,  2016 .  XXXX   XXXX  was processing the loan. The first thing she did was asking me to send to her ALL of the documents I had already sent to  XXXX . Then she requested from my daughter  XXXX  and her husband  XXXX , on  XXXX   XXXX ,  2016 ,, the very same documents that she had mailed for {$29.00} BECAUSE THEY HAD LOS T THEM.It took another 3 months for the staff at Wyndham to work on the case. By then my locked- in rate was gone. The interest rates increased and I received this message from  XXXX  on  XXXX   XXXX  : I was able to review the file and talk with  XXXX  ... ..but I ca n't figure out what happened to the documents from your daughter that were scanned into the file from the front desk. '' At that point my patience ran out and I told  XXXX  to forget the whole thing. I then went to the  XXXX   XXXX   XXXX   XXXX . The first thing they told me is that I DID qualify on my own. However, the rate was   4.325. They approved my loan in a few day
s. I just want you to make a   note on how Wyndham does business. Thank   you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Mortgage (Home equity loan or line of credit) with GreenSky Trade Credit, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had a solar system installed on the house, and got a XXXX mortgage through that process with Greensky. The mortgage was designed as an 18 month no interest/no payment loan, and if not paid off within the 18 months, the interest accrued would be added to the balance and it would become a 7 year mortgage. The problem is that throughout the 18 months Greensky added the accrued balance to the loan amount for purposes of reporting to the credit bureau, so at the time I went to refinance the loan, my credit had been destroyed due to having a loan on my credit report which showed a balance of {$32000.00} with a credit limit of {$25000.00}. Due to my low FICO score, I am now having to pay an additional 3 % interest on my new loan, even though I followed the terms of my original loan exactly and paid the {$25000.00} prior to the end of the promotional period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent a payment using my XXXX XXXX Bill Pay service to Great Lakes much as I had for over the past year. Upon noticing that the payment had not been reflected in my account a few days later I called and was informed that they had changed the address of where payments should be sent from XXXX to XXXX without communicating to me in any manner. When asking what would happen I was told that even though I had electronically transferred my payment through Bill Pay that they would not return my payment for XXXX weeks. After two weeks passed I called and asked for an update where I was told the funds would be returned to my bank and then put back in my account. When I contacted my bank by submitting a claim they contacted Great Lakes and informed me that I should be getting my funds returned via check in the mail within forty days. I called as the 40 day limit was approaching and was told again it should be returned shortly so I made another payment in the same amount over the phone with the understanding it would be applied as attended and my original funds would be at my house soon in the form of a check. While they applied the second payment over the phone I still have not received my original refunded payment and have since made another payment to Great Lakes which has not been reflected in my account despite following their explicit instructions. I checked with my bank and they show that the latest payment was posted. Due to these events I now have several thousand dollars that are floating in Great Lakes accounts instead of either being returned to me or applied to my loan. When I called yet again this morning I was told they would look into the matters and get back to me within 48 hours. At this point I have no idea when I 'll get my original payment back and if I 'll have to wait just as long for my latest payment to be sent to me instead of being applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have been in contact with Navient in an effort to refinance my loans. The amount of interest and fees is incredibly high, I told them I want a break down of each loan, and the interest and fees. I feel I am being charged unfairly. Even though I make payments monthly, the balance is increasing. I will never get these paid off. I need them investigated regarding my interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Consumer Loan (Vehicle loan) with Auto Masters, LLC (TN).
Issue: Taking out the loan or lease

Complaint: I purchased an auto mobile from Auto Masters in XXXX. My down payment was XXXX dollars. I only had the car for two weeks before they repossessed it. They kept my down payment and I never was late on one car payment because one was never due. They then put a repo on my credit report that is now showing paid but there 's a judgement on my credit report for XXXX dollars. I want it removed. It was the auto masters off XXXX XXXX in XXXX XXXX : XXXX XXXX XXXX, XXXX, TN XXXX Hours : Closed today Phone : ( XXXX ) XXXX My name is XXXX XXXX XXXX and my DOB is XXXX/XXXX/XXXX and my social is 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 03/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hi, I 've been providing instructions to Navient about how I want overpayments that I 've been sending applied but they have not been honoring my requests. I recently downloaded and submitted the form from the CFPB article " Stop Getting Sidetracked by your Student Loan Servicer '' and the only response I received was a form letter telling me how Navient applies overpayments ( the only sentence in the letter that even seems to match my request to have overpayments applied first to higher interest loans, then to loans with lowest balance, etc seems to be " Once all loans are current, the payment will go to each loan in the billing group, prorated according to its monthly payment amount, or a lesser amount if some of the the monthly payment amount has previously been paid '' ). 

I would really like to be able to pay off my highest interest rate loan first, but Navient does not seem to allow this, and does not even seem to be responding clearly to my request. 

My account is in good standing ( loans from XX/XX/XXXX-XX/XX/XXXX, and I have never had a late payment ). I have XXXX FFELP loans and XXXX PLUS loan, with interest rates ranging from 5.8 % to 8.4 %. The loans were taken out from XXXX ( which had much better customer service ) and sadly were purchased by Navient a number of years ago ; had I known this would happen I would have chosen a different provider at the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When I started school I was as not fully informed of my loans. It was not explained to me through XXXX. I received my XXXX in XXXX and now owe over {$67000.00} that when I signed up for school was under the assumption that I would owe {$30000.00}, Not twice that and most of it is interest. Lasr year I signed up for an income based repayment plan and I have {$0.00} payment a month from that. I will not pay what I do n't feel I owe because I was cheated out of being fully informed. I have tried to get an audit from the department of education, filed a police statement for being stolen from by XXXX. I have tried to call the school numerous times and have not had a solid answer. I would not mind paying my {$30000.00} for my loans but I will not be cheated out of another {$30000.00} for a degree I can not even use in my state that I was also not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received iv er 10 calls per day for thr past 30 plus days from Kay Jewlers attemping to collect a debt, in which I have not received written notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this company National Credit System is reporting on my credit for a debt I do not owe I have sent them paper work along with my ID with my name and dob that do not match what they are reporting on my credit file and they are still reporting on my credit report for {$360.00}. I have also tried contacted the original company who is no longer existing National Credit System can not provider proof that this debt is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from my credit report

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 11-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Addresses and most of the accounts are not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Federal student loan) with Van Ru Credit Corporation (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Van ru is not telling you what they really are doing. I have been lied to about my agreements with them stating that if i pay certain amount i will have my debt taken out of default then when the time came i was told oh no you have to now pay a different amount in a another consecutive time period, etc ... please just investigate or you can even google van ru scam and read about peoples reviews and experience with the companies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Capital One was not able to give me specific dollar amounts on payments for each transaction type nor are the payments for each transaction type listed on the credit card statement.. 

They would only refer to the procedure of how payments are applied. 
According to Capital Ones procedures, the minimum payment is applied toward the balance with the lowest APR ( 0 % ) and any remaining amount is applied toward the balance with the highest APR. The statements does not show the amounts on the statement. There must be a violation of the Truth in Lending Act. 

I am unable to see where my payments are being applied when there are different types of transactions listed on the credit card statement. 

1. Capital One credit card statements does not show the True balance for the transaction type special transaction ( 0 % on use of access checks ). When a payment is applied toward special transaction type, the statement does not show what the balance ( s ) is. See statements dated XX/XX/XXXX thru XX/XX/XXXX. 

2. Capital One credit card statements does not show the amounts applied to each transaction type. There is no line item showing the amounts applied toward the purchase type transaction balance nor the special transaction type balance ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06-07-2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: I brought a XXXX debit card. I loaded XXXX on the card. At XXXX. I tried to activate the card.and was told I ca n't activate becuase there is a restriction on account. Representative said she will send a email to have it removed in 4 hrs. The next day I called to check on the status is the Restriction. The automatic machine allow me to complete activation. XXXX I finish it said my balance was XXXX. I asked customer service, they said it was a debit for XXXX i owed net spend from XX/XX/XXXX I have filed bankruptcy in XX/XX/XXXX and it was discharged. Also I do n't understand how I owe money on a pre paid card. When I asked for proof of debt they said they do n't have it. And to be honest the last time I hand net spend was in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: We applied for an FHA refinance with Wells Fargo in XXXX 2016. The loan was approved, and we anticipated closing in XX/XX/XXXX. They send they could not close the loan in XX/XX/XXXX and charged us a rate lock extension fee. We then anticipated closing some time in XX/XX/XXXX, they again could not comply with this and charged us a additional rate lock extension fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We now have a letter from them with over {$7000.00} in rate lock extension fees and still no anticipated settlement date. We have been calling, e-mailing, regular mailing them and they have not responded in any way except to send additional rate lock fee extension agreements. We are now trying to have a new lender provide the mortgage but need the FHA appraisal assigned to them. Our loan officer at Wells Fargo has stopped communicating with us. We have tried calling, e-mailing, and mailing our loan officer, his processor, his supervisor and have received no response. We requested in writing that they assign the FHA appraisal to a new lender and they have not responded.

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 monetary relief
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: A foreclosure was started in the court system on my home XX/XX/XXXX and the other party dismissed XX/XX/XXXX without prejudice and the servicing was sold to Ocwen from Litton, Ocwen started the modification nightmare with me and finally realized it was way too long of time that had lapsed so here we are over XXXX years later and they called my work and left message for me to call them. I called them back they are telling me they want to work out a resolution with me that lien is pending and that I might not necessarily have to pay the full outstanding balance that I could try for a settlement which would be subject to approval? Are you kidding me after all this time, is this a joke. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: It is with great frustration that I am submitting this complaint. I have requested a loan modification twice with SunTrust to no success.. I am definitely not accepting their decision. They do not want me to appeal the denial. 
I feel their decision was based on incomplete or un-reviewed information. 
They have send me a list with various option indicating eligibility and ineligibility. I want my house. I am not accepting a deed in lieu. Why can they work out a plan that will allows to remain in our home. 
They have not consider the circumstance beyond my control. I was diagnosis with XXXX.. I was unemployed for a long period of time I had no other recourse than to request a work out plan from SunTrust Mortgage.. Refinancing not an option at the time. 
Our mortgage balance is more than what our home is worth. This situation cost me my job. 
Shortly after my personal life was like a turmoil.. It came down to where my wife and I separate it for a year due to this horrific situation. We have let Santrust know that thy have not helped us or done anything to help us. 

She now has returned home and contributes XXXX % to our household expenses We want to maintain our home. I really will like Sun Trust to consider my request. I have file an appeal. I have send all the documents required for a review. My wife " s income was higher for the year 2015 and will continue.. We are confident that we can take care of this mortgage as long as Sun Trust adjust my principal and interest and extended the terms of the loan. Please note that we are not looking to ignore our responsibility. Please help us out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: In  XXXX  of    2016  my husbands position at work was cut and he was out of work without pay for almost 3 months.  XXXX  of my positions at work was cut back so my pay decreased as well.   We fell behind on payments trying to pay everything at least every other month. Ended up having a car repossed so we had to pay more to get it back. Got behind on Mortgage and was told an amount we could pay to get it out of default I was about {$700.00} short due to car repairs and they sent back our money. We tried to apply for a loan modification but were told since we did  XXXX  that went into effect in  XXXX  of    2016  after house/well repairs caused us to get behind. Started the plan in  XXXX  but that was a trial period so not truly in effect until  XXXX . Tried working with  XXXX  to get modification and was told the same thing by the company. House in active foreclosure with no sale date and the company told me only way to save is to pay full amount that we are behind. We keep sending in payments but they send them back.

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