milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Vehicle loan or lease (Loan) with SOUTHERN AUTO FINANCE CO (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Accepted a loan from Southern Auto Finance Co in XX/XX/XXXXXX/XX/XXXX I noticed discrepancies with my balance when I began to double/triple my minimum paymentXX/XX/XXXX the company admitted the mistake and reversed my payments and applied them to principal as intendedXX/XX/XXXX-XX/XX/XXXX no issues noticed, will have to go back over my records to re-verifyXX/XX/XXXX payment for double the minimum is made and is split by the company and applied going forwardXX/XX/XXXX a payment for triple the minimum is made and is again broken up and applied to future monthsThey were contacted today XX/XX/XXXX because I was going to make my final payment and close out the loan but noticed only XXXX were applied to my principal in XX/XX/XXXX (my statements are not available online so I will have to wait on them to respond to my request for an amortization table)I believe they are undertaking this practice to extend the length of the loan and squeeze more interest payment from consumers. My payment history and pattern is directly opposed to their profit motive because I will be finished with my loan almost 4yrs early. I would like my payments applied to principal and interest on the timeline I dictate not what is most convenient and profitable for them. I believe I am being penalized for paying off my loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (VA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have previously contacted the company Worldwide Asset Recovery about calling my place of employment and then speaking to my co-workers about my personal financial issues. The Rep. contacted me and then threatened me. he called my place of employment and told a co-worker that he was sending a sheriff to my home. Sometime after that I was contacted by a Rep. XXXX XXXX XXXX who initially refrained from calling my place of employment but then he began the same practice. I was verbally warned by my employer about incoming phone calls. The I received an automated Robotic styled phone call that said I was in a lot of trouble and XXXX help my soul. I researched the number XXXX and found out it was from XXXX XXXX Calling center. I also found out there 's other complaints about the same type phone call from that number. I also have in my person an email laying out threats.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: In XXXX of 2015 my property had some water and mold damage. While completing the repairs M & T bank refused to release funds in a timely manner to complete my repairs. First I was advised because I had mold damage I had to produce an estimate and paid receipt. I informed them that I did not have funds to pay the mold removal upfront hence why I needed the check. They advised me that an inspector had to come out. I stated that was not a problem. Inspector came and stated the work was completed with a XXXX % satisfaction ( this was for the mold mediation ). 
My insurance company issued additional funds to complete adding new, insulation, sheetrock, plaster, sanding and painting. The bank stated another inspection was needed to release funds. I advised that an inspection was just done and they stated another one was needed. Another inspector came out and stated that it was 90 % satisfaction. The bank still delayed on releasing the funds. They held the final insurance check for over a month before releasing the funds. Each encounter with an M & T rep I was told something different. When I finally had the check cut it was made out to both the contractor and myself and the local Branch refused to cash the check. 
I spoke to XXXX from their lost draft department, and she stated the bank rep called and was advised that the funds could be released. The bank rep XXXX stated the total opposite. As of XXXX/XXXX/2015 I have still not have not been able to cash the check. Until this point M & T bank issued all checks to me however, nowhere is these new processes published on their corporate website Mtb.com Consumers are at the mercy of which ever agent answer the call there is no consistency in procedures or communication from neither the loss draft department nor the branch to process the checks. 
During my encounter I have advise them of my frustration and inquired why has there been these change and the agents have not been able to explain. The local branches are not familiar with the new procedures, nor can they explain why the checks are being issued to both me and the contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Long story. 
Sometime in XX/XX/XXXX, ocwen imposed lender placed insurance on our residence claiming we dont have insurance. Back and forth after 2 months ocwen acknowledged we had insurance and retracted the lender imposed insurance. 
Since last 10 years we never skipped a single mortgage payment every one is ontime. 
Ocwen started sending demand letter paying some late fees which we dont know. 
I have a record of all the payments made to them via bank online. 
Last 3 payments, Month of XXXX, XXXX and XX/XX/XXXX they put entry in the credit report as a late payment. 
I m getting not a satisfactory answer with them. 
I need remedy for this. Our application for home equity loan with bofa has been denied even though we have XXXX equity in our house. 
Our loan number XXXX Toll free XXXX XXXX XXXX. 
Pl help us

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My account balance with  XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  and  converted to a Chapter  XXXX   XXXX  filed  XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax reported a data breach that exposed customers ' most sensitive identity and personal financial information. Theft and misuse of this information exposes me to the grave potential now and in the future for stolen identity and financial issues, through no fault of my own actions and in direct consequence of Equifax 's failure in its duties to protect this information. 


Upon learning of this breach, I immediately went to Equifax 's " Security 2017 '' website to see if my data was compromised, as per their guidance, and received a future enrollment date for their identity theft program, indicating my personal data was indeed compromised. The security of this website, by the way, does not ensure confidence that Equifax is attempting to better protect information any more than they did in the first place. 


I have currently placed fraud alerts with all three credit bureaus, placed a XXXX freeze, continue my regular practice of daily monitor checks of my bank and credit accounts, and am considering placing credit freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with Fortren Funding LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced i year ago and the lender failed to pay a quarter tax bill and submitted my last payment late causing my taxes to be delinquent and ruined my credit. after saying that they would resolve the issue and did n't ... I am now losing my second home and my new vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Closing/Cancelling account

Complaint: Capital One unilaterally closed my credit charge account on XX/XX/XXXX while I was traveling XXXX in XXXX, XXXX XXXX XXXX. I used the card to pay for a rental car " XXXX XXXX Rent A Car '' and one day later my account was closed without explanation. Capital One falsely/erroneously reported to the bureaus and myself that the account was closed " at the consumer 's request. '' I believe that Capital One 's decision to unilaterally close my account that was in perfect standing for 14 years was racially/religiously charged.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Crosstown Law, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I wrote a letter to XXXX XXXX XXXX XXXX XXXX requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from Crosstown Law informing me that they now represent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: Today I received an alert from my Credit Union stating that they had just paid a ACH Debit for Santander {$560.00}. I was outraged due to the fact that I did n't authorize Santander to debit my account for anything and also I no longer own the car that I had. The repossesed the vehicle in XXXX 2013. Shocked so I called up Santander and asked them why did they debit my account this money and they claimed they had no idea what I was speaking about and they have had no payment options for me set up. Well somebody within that company did something. I looked on the back of the check and it states " FOR DEPOSIT ONLY XXXX. Mind you Santander states that they did n't send out my account to any collection agency that they are handling everything on their own. Then how the hell did all of this happen what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a real estate agent with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX during the period XX/XX/XXXX-XX/XX/XXXX. 
When I disassociated myself from the brokerage, my online account had fees assessed to XX/XX/XXXX. However the final bill they send changed the dates to the last date of XXXX/XXXX/2016. I asked that my fees get prorated to the day that I left because I was being asked to pay for a Legal Assistance Program of {$420.00} for a year plus some additional fees. The Legal Assistance Program is a program that protects agents legally if any lawsuits would arise during closing of real estate contracts. 
I asked XXXX if I paid for the program, if I would have access to it. I was told NO because I was no longer affiliated with the company. I then said that I do n't think that I should pay for a program that I will not use or have access to. I was then advised they would send it to collections and it would affect my credit. I sent XXXX a pro-rated check of {$130.00} and XXXX rejected the check and sent it back to me and sent the demand for payment to collections. I have received several collection calls from XXXX. 
I find this more than predatory. It is unconscionable to demand payment for a service I have never used or even have access to if I pay for it. I hope you can investigate and advise accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The company by the name of XXXX XXXX XXXX/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XX/XX/XXXX and open since XX/XX/XXXX there 21 accounts they are reporting to my credit.

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 03/27/2016 about Credit card () with U.S. BANCORP (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: company has a credit card reporting on my credit reports and i didnt authorize it to be open and i have contacted this company numerous of times about my identity being stolen but they still have n't gotten this matter resolved

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (OH).
Issue: Trouble during payment process

Complaint: Hello, This was be the second complaint I have regarding Citibank. 
First, I am in the process of purchasing a new home and getting a loan with a different lender and we are forced to get a high cost mortgage due to the fact that Citi could not provide a VOM showing 30, 60 or 90 days past dues. A lender we were trying to go through did a phone verification and the agent stated the account was 60 days past and it was not. I even called back a couple days later and was told that it was not 60 days past due at that time by a different agent. 
Now we are trying to get a payoff quote and they are making us wait 7-10 business days purely on the fact that our account is in the " bankruptcy dept ''. Our bankruptcy was nearly 10 years ago and we are being put off because of this. I even spoke to a supervisor who stated that if it were not in this department, we 'd have this information in 4 hours!!! This is unfair!! We need his information for our new lender to see a Closing Disclosure with our proceeds after sale. Our closing is to take place in 3 weeks. Our title company requested a payoff XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MO).
Issue: Loan modification,collection,foreclosure

Complaint: This letter is to give notice of a violation of the Consent Order issued XXXX XXXX, 2014, File No. XXXX to Flagstar Bank, F.S.B. According to Section C. subsection 89 ( b ) it states as follows : For any Affected Consumer who ( a ) is delinquent or in foreclosure as of XXXX XXXX, 2014 and ( b ) is more than XXXX days before a foreclosure sale as of the Effective Date or no foreclosure sale is scheduled ( " Delinquent Consumer '' ), Respondent must : b. If a foreclosure trial, judgement or sale is scheduled, based upon the circumstances of the foreclosure and the applicable state law, petition the court, or take other reasonable measures to delay the foreclosure trial, judgement or sale. 
Flagstar Bank F.S.B. is pursuing a foreclosure action which clearly is in violation of the referenced Consent Order. I qualify under the criteria of the Order therefore I am requesting a full investigation and action to terminate Flagstar Banks attempt to foreclose so other remedies may be pursued. The case was filed in XXXX XXXX County Missouri Circuit Court under Flagstar F.S.B. v XXXX XXXX XXXX. 
This is not a request for legal advice or assistance of legal counsel in this matter. I am available to assist in any way to bring this matter to a conclusion. Your urgent cooperation is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Student loan (Non-federal student loan) with Loan Science, LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have student loans with XXXX private student loans ( XXXX XXXX XXXX XXXX ) is LOAN SCIENCE , LLC. I have currently XXXX dollars of student debt. Every month, I pay about {$200.00}. I have just called them and ask them if they take under the consideration that I have another student loans to pay and if they could lower my payments. My interest rate is 6.640 % Variable. ( it seem much higher ) What happened if I get sick or lose my job. They said there is not their problem, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my student loans. I also have government student loans, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my student loans and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country. I wish I would turn the time and never go to college here. XXXX is horrible company!! Is there anything I can do about it!! Can I refinance? I think that interest is much higher than 6.60 %. Can I hire the service to investigate my account? I think something is not right!

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 07/25/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CT).
Issue: Settlement process and costs

Complaint: We are in the process of selling our home. Our real estate attorney provided a request for the payoff statement for our mortgage from Seterus on XXXX XXXX, 2015. They said that it would take XXXX business days to receive this, even though a typical lender provides this within a few hours or up to XXXX business days. On XXXX XXXX, 2015, our attorney contacted them because she had not yet received the payoff statement. They said they were still within their XXXX business day window and were in the process of obtaining this information for our close scheduled for XXXX XXXX. On XXXX XXXX, 2015, my husband contacted Seterus to find out the status, since we had still not received this, and they told us that our request was declined and that it would be at least another XXXX business days. They are jeopardizing the sale of our home by virtually holding us hostage for a piece of documentation they refuse to provide despite the law in CT being that this must be provided within 7 business days of written request.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Chapter XXXX Bankruptcy filed in XXXX. However, the Bankruptcy was never confirmed and was dismissed in XXXX by Court order. Order of the Bankruptcy Court specifically states ORDER DENYING BANKRUPTCY OF CHAPTER XXXX PLAN and DISMISSING CHAPTER XXXX CASE. EQUIFAX does not report this correctly. EQUIFAX only reports the Filing and the Dismissal on the credit report. EQUIFAX fails to report the DENIAL OF CONFIRMATION which effectively moots the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: InXX/XX/XXXX I contacted all 3 credit reporting agencies and made them aware that I am a victim of Identity Theft and provided them with a copy of my police report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605 ( b ), by blocking the information that I have detailed to them that was fraudulent on my credit file. XXXX and XXXX  acted immediately and blocked the fraudulent information, but Equifax refuses to do so. My follow-up phone calls to Equifax are being transferred to their Office of Consumer Affairs and I get nowhere from there. Equifax has stated that they do not have to comply with the FCRA and that they will treat the Identity Theft as an average dispute and contact the creditors in that respect on my behalf. The representatives that I have spoken to in Equifaxs Office of Consumer Affairs are very rude and condescending and during my latest follow-up call, when I suggested that this Identity Theft is likely a direct result of their recent security breach, the representative literally hung up on me. Equifax is deliberately refusing to comply with the laws that govern them and should be held accountable. I have simply asked that they comply with the law and block certain fraudulent information from my credit file after having provided all of the required documentation, but they refuse to do so. This is unethical behavior that they are displaying and I hope that they will not be allowed to continue to operate in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Transaction issue

Complaint: The available credit on my account with Capital One is down from over XXXX available from yesterday to only XXXX today, XX/XX/XXXX. The attached screen shot shows all transactions both posted and pending, they still do not add up to show difference in available credit. Despite chatting with XXXX different chat reps, both slow/inept with bad English, I am unable to figure out the difference from having over XXXX available yesterday to XXXX today. The reason I am concerned among others is because I had a transaction get declined from XXXX due to low available credit. Also, there appears to be some transaction ( s ) which are not showing as posted or even pending which is cause of the problem. The attached screen shot from today shows all items posted and pending, do not account for difference in available credit

Company response to consumer: Closed with explanation