milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (SC).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: At the start of my first lease through XXXX XXXX, the sales manager who guided me through the process gave me a few pieces of information that I later learned were untrue : ( 1 ) " There is no leasing company. '' I clarified by asking whether this meant that all their leases were internal, and he confirmed that they were. They 're not.
( 2 ) " You 'll never need to buy tires for this car. '' He told me this as he was handing me the coupon book for my maintenance agreement. You can imagine my surprise when I brought the car in a couple years later with worn out tires and discovered that they were charging me for the new ones.
( 3 ) " Overage miles are {$0.00} per mile, but you only pay that if you walk away. If you sign up for a new lease, they usually waive that for you. '' He went on to talk me into upgrading to XXXX, to cover any repairs that might be needed. " Do you plan to keep leasing? '' he asked. Then with XXXX, he explained, I would n't have to worry about any fees at the end of my lease. 

The first two times I learned that what XXXX told me was wrong, I let it go, willing to assume that he meant well and must have been mistaken. But, each " mistake '' has been significantly more expensive than the last. The overage fees came up two days after I 'd upgraded to a new lease ( XX/XX/XXXX ). The salesman for this new lease ( not XXXX ) texted me ( on XX/XX/XXXX ) and told me that " the new car deal is n't complete without closing out the old car, '' which meant paying overage fees and wear and tear, which XXXX 's employee, XXXX, had specifically told me not to worry about. This new salesman pressured me to pay these fees within the next couple of days, even though I had not yet received the inspection report detailing what repairs the wear and care fees included. 

I went up the chain and ended up talking with XXXX XXXX ( who I was later told was the owner ) the next day ( XX/XX/XXXX ). I explained that their salesman had put me in a bind by setting me up to be completely shocked by thousands of dollars in charges. He was completely unapologetic and unwilling to take responsibility for his employee 's XXXX up. I even offered to meet him halfway on these fees and split the costs with XX/XX/XXXX. He refused, saying that he would be " generous '' enough to pay one-quarter. 

I told XXXX that I could n't afford that much on such short notice. I added that the salesman on the new lease had let me know that the deal was not finalized until these fees were paid, and that I did not want to move forward under these terms : I told him to stop the deal. The next day XXXX called me back and told me that the deal had been finalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: I deposited a check for {$19000.00} inside a BOA branch on XXXX XXXX, XX/XX/2015. I signed the deposit slip. On XXXX XXXX, XX/XX/2015 it was taken out of the account as a " return item chargeback ''. I was not contacted and noticed that the amount was not in the account so I called Bank of America. They said they took the funds out because I did not authorize the check. I feel like this was the teller 's responsibility to ensure that the transaction was handled according to BOA 's policies. I would have gladly authorized the check if I knew that it needed to be authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Settlement process and costs

Complaint: In mid-XX/XX/XXXX of last year, XX/XX/2016, I took a cash-out refinance with XXXX. The title company was XXXX. The closing disclosure contained a 'clerical error ' that was caught hours before the loan was to close and long after the signed and notarized documents were received by the Title and Lender. Having been informed at the last minute of this {$1000.00} error, not in my favor, I was forced to sign a revised CD. Now, it turns out that my previous lender, Ditech, did not receive the full payoff amount from the title company. Unbeknownst to me until I pulled my credit report last week, ditech has been reporting me to the credit agencies and levying late fees etc ... I have called and left VM 's and emails, but Ditech is not responding. I need to know how short the payoff amount was and why this happened. I especially need to know where Ditech has been sending my bills and other correspondence. I will ultimately request that they waive any late fees, interest, etc ... that have accrued since the 'payoff ' and that they immediately communicate with the credit agencies to get these negative reports removed. Please contact Ditech and any of the other listed parties that held a fiduciary duty to me as the consumer through that refinance. 

Thank You! 

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Mishandled my information, which puts me and millions of other people at risk. I also am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with Med-1 Solutions, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Consumer Loan (Title loan) with TMX Finance LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I went to Titlemax on XXXX XXXX XXXX in XXXX, GA on XXXX XXXX to apply for a loan with the title to my car. I received a loan for {$2500.00}. In XXXX when I paid my XXXX payment I asked what was the minimum I could pay. I was informed it would be {$300.00}. I had just been hired at a new company and getting settled in to my pay dates. I called again to make a payment on XXXX XXXX and I again asked what would be my minimum payment and was informed it would be {$300.00}. I was also informed by XXXX, who wrote the loan for me on XXXX XXXX, that if I did not pay the entire monthly note of {$360.00} that the amount I was paying would be applied to interest, an additional interest that was not calculated in the original loan agreement. This is a penalty for not paying the full amount. This was not in the written agreement and it was never verbally stated to me ever until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with Professional Credit Analysts of MN, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Placed for collection on XX/XX/2015 for {$1100.00}. No actions by me but the company is reporting to the credit bureau and trying to collect a debt from me. They are not licensed in the state of Florida to do so. I do n't owe this company I do n't have anything to do with them.

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 12-02-2016 about Debt collection (Medical) with Merchants and Professional Bureau, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received a letter in the mail about this account. And I never received a collection notification letter as well. I 'm very disappointed how agencies can just put you in collections without letting me know by phone or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: When I first signed up for Bank of America card, they gave me what was called " XXXX XXXX for Students ''. They told me there will be NO monthly fees, NO yearly fees, NO restrictions of how many deposit I should make, and NO HIDDEN FEES, that is what I signed up for. I noticed in past few years that my checking account amount continues to decline, but I never could figured out why. When I noticed my checking account goes into negative outstanding balance, I decided to do investigating and found out that BOA has been deducting hidden monthly fees {$12.00} of what they called " Monthly Maintenance Fee '', which also caused overdrafted because of this monthly maintenance fee which caused my balance goes into negative. I immediately called BOA today, got transferred three times while explaining to three different agents, and finally transferred to higher-up supervisor name " XXXX, in PA XXXX '' XXXX PST on XXXX XXXX, XXXX. She acknowledged that I signed up for XXXX XXXX, she explained it 's no longer exists in BOA, and that after 5 years of XXXX XXXX, it will become " normal account '' due to age or no longer as a student. I told her I never knew about this, I was never notified, and I never opt-in for this new policy from " XXXX into Regular Account '' after five years, I demanded where is my opt-in agreement and she could not provide me XXXX. She acknowledged that I have not opt-in for this new change on my XXXX XXXX XXXX account, she said " the best I can do is give you back three months of {$12.00}, which means you will get back {$36.00} ''. I demanded full refund because I never opt-in for this new change policy, never submitted to monthly maintenance fees. She said her hands are tied, but she 'll submit my report case to much higher up in the Bank of America Corporation. I told her I will file complaint to Consumer Finance Bureau, she said I should do that too as well, because her " hands are tied ''. She repeatedly tells me that the best she can do is give me back three months worth of Monthly Maintenance Fee ( total of merely {$36.00} ). They started deducting this hidden fee since XXXX, I calculated to total of {$490.00} they took me! It 's no wonder why my checking account continues to decline, I demanded full {$490.00} refund, and she said to file CFPB report because there 's nothing else she can do for me. She probably thought I wo n't do it, but I know my rights!

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that XXXX XXXX XXXX XXXX has conducted. I vehemently contest the assertion ( s ) made by XXXX XXXX XXXX XXXX that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that XXXX XXXX XXXX XXXX is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a XXXX XXXX XXXX XXXX has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. XXXX XXXX XXXX XXXX and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX XXXX XXXX, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if XXXX XXXX XXXX XXXX isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my XXXX XXXX XXXX XXXX XXXX XXXX which Ive worked over XXXX XXXX building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can XXXX take if my assertions are proven to be true? What type of authority does XXXX have to correct the wrongs of XXXX XXXX XXXX XXXX? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX@XXXX.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Bankruptcy CHXXXX in XX/XX/XXXX, last payments XX/XX/XXXX. Had acct w/Beneficial/Household Finance in XX/XX/XXXX. Paid XX/XX/XXXX. I do n't remember this but Bankruptcy CR in XX/XX/XXXX showed another loan opened in XX/XX/XXXX for {$15000.00}. This XXXX not shown on XX/XX/XXXX XXXX. Payments were made to Beneficial thru the court starting XX/XX/XXXX with last being XX/XX/XXXX. This acct not shown on XXXX XX/XX/XXXX. As of XX/XX/XXXX a new account appeared delinquent on XXXX from XXXX, opened in " XX/XX/XXXX '' last pymnt XX/XX/XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Good morning, I qualified for a home modification with SPS. I made my payments according to SPS 's instructions. They gave me the principal reduction of {$76000.00}. Then they stole the money back by withdrawing the same amount, {$76000.00}, from my account. Then they lied by saying they were taking the money out for a government program. 

Now I read that SPS was given a $ XXXX Bailout on XX/XX/2009 as an Incentive Payments for Home Loan Modification. ( XXXX ). I am told they never paid that back and are not expected to pay that back. 

So, my question is, if they received $ XXXX for loan modifications but they are stealing the modification back from the homeowner and then lying to the homeowner in the name of a government program, why is the government allowing this? It seems like SPS is stealing XXXX from the taxpayers and then stealing {$76000.00} from the homeowner in the name of a government program. This is illegal, right? 

Thank you for clarifying this publicly. 

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 01-02-2018 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX, I arranged my payment due to Wells Fargo Dealer services in the amount of {$930.00} to be drafted out of my account today, XXXX/XXXX/XXXX. This payment is in reference to transaction number XXXX. I received a missed call and voicemail today, XXXX/XXXX/XXXX from XXXX at XXXX PST from a woman named XXXX with Wells Fargo Dealer Services saying that she was calling to collect a debt in reference to my car payment. This is a formal complaint against Wells Fargo Dealer services for calling me when I already had a payment scheduled three days ago. 

Also, I returned XXXX 's call immediately and while I was on the phone verifying my information, I discovered that Wells Fargo Dealer services had the WRONG ADDRESS and WRONG PHONE NUMBER associated with my account. They had my address listed as XXXX XXXX XXXX XXXX, which is not my address, and the phone number XXXX as my phone number on file which has never been my phone number.

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 09/19/2017 about Debt collection (Federal student loan debt) with AES/PHEAA (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello XXXX, I 'm writing today because i 'm having issues with Fedloan servicing reporting two student loan accounts to my XXXX and XXXX  Credit reports. Fed Loans is reporting that i am 180 Days past due for a balance of {$0.00} dollars. My only student Loans have been paid off with no missed payments and were managed by XXXX these two phantom accounts with incorrect and incomplete information is damaging to my overall good credit and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (IL).
Issue: Struggling to pay mortgage

Complaint: We are processing a short sale with PNC. On  XXXX   XXXX ,  2017 , I spoke with  XXXX   XXXX  at PNC, requesting a status as to the acceptance of our short sale offer. She informed me they are submitting to Investor end of this week and they will have an answer within seven days. On  XXXX   XXXX , I called PNC and spoke to  XXXX  ID #  XXXX . She said they had sent letter out on  XXXX / XXXX /   17 sta ting they were waiting on answer from Investor and would have an answer within 30 days. On  XXXX   XXXX , I called PNC and spoke with  XXXX   XXXX   XXXX   XXXX . She said the file is active in loss mitigation, they believe they have everything they need, sent to and waiting on answer from Investor. No decision yet. Just suggested calling in weekly, or if we want, twice a week. On  XXXX   XXXX ,  2017 , I called PNC, and spoke with  XXXX  ID #  XXXX . She said still no answer from Investor. They have gone passed the 30 day window. After that, they had issued a denial based purely on no answer from Investor. They then re-opened it with Investor, trying to get an actual answer. It stays formally as denied until they get that answer. It is unacceptable for them to refuse to issue an actual decision based on the merits of the offer due to not hearing from THEIR clients.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When XXXX switched over to Navient as my student loan provider, I was given no choice to do otherwise. I am currently a stay at home mother with XXXX children. My husband and I have been through a number of financial difficulties ( including my husband losing his job at one point ) and Navient never offered alternative repayment options or any options that would give us a measure of relief. We have a cosigner on the account but she is in as hard a time as we are. The problem is that when I called Navient to see what options might be available, they said they would have to speak with my cosigner. When they did, they determined that she makes enough to cover our payments when she actually does not. So, I 'm being told that there are no options ( there never have been through Navient ) and that my cosigner can pay ( which she ca n't ). The financial strain has been causing me a tremendous amount of XXXX, especially because once I use up all of the forbearance, I 'm going to have to choose between feeding my family or paying Navient 's steep payments. That 's not a decision someone should have to make.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a GreenTree loan on a mobile home for XXXX years. It was our only option we could find at the time as newly wed first time buyers. Our original loan was for approximately {$60000.00} and was written for XXXX years at 10.5 %. I now still owe XXXX on a XXXX old mobile home that has no refinance value. 
For reference, I am not behind on payments and have good credit ( XXXX beacon ). I feel very taken advantage of as a XXXXyr old first time buyer. I have paid well over {$100000.00} so far and will have paid over {$200000.00} by the time we complete our loan. I understand the cost of financing but feel this is beyond excessive. Dose this not fall into a predatory lending category? I feel like we have more then paid our debt and more then compensated GreenTree for their help getting some kids started XX/XX/XXXX. Enough is enough.

Company response to consumer: Closed with explanation