milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (MN).
Issue: Managing the loan or lease

Complaint: My husband obtained a loan from US BANK for a XXXX Ford Fiesta. My husband died in XXXX 2011 and I have been making the monthly payments since. On XXXX XXXX of this year I talked to US Bank, got the pay-off amount, and gave them my bank info. They deducted the pay-off amount from my account. They told me I would get the lien release in several days. When it did n't come, I called ( about XXXX XXXX ). They offered no explanation for the delay but said it should be coming. I verified the mailing address. I contacted them again mid last week and was promised a call back within a couple days. No one has contacted me. I need the lien release in order to buy my tabs which are severely past due. The bank does not dispute at all that the loan is paid off ; yet it seems they are not sending the lien release! They offer no date that I should be getting it, nor any explanation of why it should take so long. I 'm at my wits end. My health is not that great and I sure would appreciate it if you can get them to send the lien release because I ca n't deal with this. I honestly do n't know what to do otherwise. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am in XXXX XXXX and currently repaying my XXXX school loans via XXXX XXXX  using Income Based Repayment Plan. This year, my monthly payment jumped from XXXX dollars a month to XXXX a month despite no change in my income. I called XXXX and they said they would look into it but it has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Transunion on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Transunion refuses to investigate even after I have done my part as the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had paid a settlement with Portfolio recovery. They agreed to take everything off my credit report if it was paid. So I paid them on XXXX XXXX and now they are refusing to remove their info from my credit report. It was a recoreded conversation. I want this removed due it its been paid and it has a XXXX balance now. I have talked to them several times about deleting this and they refuse even though that was the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: his is not correct -- I asked the amount to get current in XXXX -- In XXXX I paid extra and asked it to be put towards principle -- I have even called and pointed out that this is still not right. They applied more to my interest. I am current and they are not applying the funds properly. How many other consumers are they doing this to as well? <P/>Account Information as of close of business : X/XX/2017 View Account Information by selecting any of the options below : Welcome XXXXXXXX XXXX XXXXXXXX Select Account Summary Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Co-Borrower : XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Vehicle Make : XXXX Vehicle Model : XXXX XXXX XXXX Vehicle Year : XXXX Veh ID No. ( VIN ) : XXXX Last 6 Characters Contract Detail : Payment Information : APR : 16.4 % Payment Amount : XXXX Bal as of X/XX/2017 : XXXX Past Due Amount : XXXX Late Charges : XXXX Other Charges : XXXX Recent Activity : Date Last Payment Rec 'd : X/XX/2017 Total Amount Due : XXXX Last Amount Rec 'd : XXXX Next Payment Due Date : X/XX/2017 Days Delinquent : 9 Select Account Payment History Show Transactions for : Go Process Date Effective Date Transaction Description Principal Interest Misc Fee Late Fee Other Fee Total X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX 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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: MY CAPITAL ONE ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Medical debt) with Io, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt was transferred to a collection agency not licensed to collect in Maryland. I am a Maryland resident.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a line of credit loan with Wells Fargo ( and car loan with XXXX ). Both are simple interest and both use a tactic that when you make an additional payment over the minimum instead of going against the principal they are applied to future payments. To apply additional payments to the principal you need to make a separate payment and forward to a different address. What a pain and not like my mortgage. Seems to be similar to loan tactics of the XXXX that tried to to discourage paying off loans early and max interest costs/payments

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 08-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: After graduating college in 1994, I started repaying the student loans but then became unemployed and the loans were put into deferment. However, each year as I have tried to the get payments lowered to an amount that I can afford, Navient continues to say that deferment or forbearance is the only way to manage them. Now I am XXXX and have $ 150K+ loan balance that will never be paid off. When the loans first started they were through a bank and then went to XXXX XXXX and eventually Navient. This company has set out to make it hard for any one who struggles to make any payments. They have change guidelines and rules each time I try to renew the income sensitive repayment plan and end up placing me back on forbearance. There are many like me who would have paid on these loans had they been a manageable payment, but because they were usually 50 % higher than what I could afford, I know have this huge debt hanging over my head that will follow me to my grave. The consolidation they gave was a joke and did nothing to stop the interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Auto debt) with PRESTIGE FINANCIAL SERVICES INC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX XXXX I contacted Prestige financial about a debt that was alegged that I owe do to a car repossession. Prestige financial representatives XXXX DID NOT VERIFY THAT I WAS THE CUSTOMER BEFORE DISCLOSING PERSONAL INFORMATION AND SHE ALSO DID NOT DISCLOSE THE FDCPA MEMORANDUM AFTER

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (I do not know) with Oracle Financial Group LLC. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This company called my parents asking for me. They asked personal information like where I live, where I work, etc. My parents refused the information and the man on the phone threatened that he will find me sooner or later and that I am being served papers due to an unpaid debt. 

He would not give information about the debt, would not give his company name, and only gave a very generic name, " XXXX XXXX ''. 

I do not currently have any debts that are within the Statute of Limitations in the state of Maryland. 

The man on the phone also stated that he will send the summons to my home or place of employment. He stated that it would be very embarrassing to send to my employment so I should contact him as soon as possible to provide the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 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: I became XXXX and lost a huge portion of my income. Navient kept piling interest on my loan while I could not pay my loan. Navient informed me that if I choose to request forgiveness of my loan, I still have to pay taxes on the forgiven loan amount as if it was ordinary income. If I could n't afford to pay my student loan payment, how in the world would I be able to pay the IRS half the total value of my loan plus interest?????? Not possible! This is a catch XXXX for loan recipients who become XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My complaint is about AES. They have continuously refused to take my husbands name off of this loan and have ruined his credit. He sent them forms last year saying that he did n't co-sign on this loan. I 'm XXXX and am not working right now. I wo n't be able to work for the foreseeable future, and still need several surgeries. I 've called and written them numerous times about working with me on an affordable payment. They lowered my payment to XXXX, then suddenly doubled it for no reason. Now they refuse to work with me at all. They have n't sent me a bill since XX/XX/XXXX, and are now saying I 'm over 60 days late. I thought they discharged my loan due to my XXXX. I have no idea why they wo n't work with me or discharge this loan. My other student loans were discharged due to my XXXX. I ca n't afford to make these payments since I do n't have an income. I do n't even recall taking out this loan, and would like proof that I actually applied for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am an XXXX XXXX service member with SCRA benefits. I have an auto loan through XXXX Bank and I have been late on the account 2 times since I have had the car and XXXX times the account was late XXXX3 days and the most recent XXXX I tried to call in and pay on the XXXX with a due date of XXXX and he told me to call back the following week to avoid a fee so I did that and then they reported it late after being told they would not. I got the car before I went on XXXX XXXX and I should be getting charged late fees plus nothing should be going on my credit while I am trying to serve our country. I should not have to be dealing with things like this in my current situation. This is why there is SCRA protection. I would like the late payments removed from my account 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 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My husband expired suddenly in an auto accident on XXXX/XXXX/2013. His XXXX check paid our mortgage each month. I have been struggling to make make payments on my income alone. I bring home about XXXX a month and my mortgage is XXXXXXXXand is mostly interest. I was told I qualified for a loan modification by Ocwen loan Servicing which is my mortgage co. They then said I was denied by my mortgage co. Ihave asked XXXX times for the mortgage co. and have contacted them and each time the name and contact info was wrong. In fact this last company told me to contact you and they were very familiar with Ocwen doing this. In fact Ocwen does not actually have a physical address just po boxes. All calls go to XXXX and no one who answers the phone knows what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Forbearance / Workout plans

Complaint: I have a credit card, Care Credit with Synchrony Bank that I have had since XXXX XXXX that I have been paying on monthly since. I received an online statement that I have gone over my {$2000.00} credit limit and owe a minimum payment of {$170.00}. After contacting the customer service department for the Card on XXXX/XXXX/XXXX. I was informed by the agent, that the reason my monthly payment is so high due to a missed payment and due to the promotional fees. The agent stated that I have made over {$800.00} in payments just in the past year from what her system can only go back 1 year, and accumulated over {$310.00} in just the past 2 months in Promotional fees, and {$120.00} in penalties. After explaining why I missed a payment was due to no employment, I asked if they offerred some assistants, the only assistants she offered was to take away XXXX penalty charge. I asked to be transferred to a supervisor. After being transferred to a supervisor the gentlemen stated that there was no other assistant 's that can be offered until I have a income. I asked him if they are willing to work out a settlement deal, and the supervisor said yes they can offer a settlement option ranging from XXXX50 % off the balance. I was reassured by this supervisor that all I had to do was call back on XXXX/XXXX/XXXX when I had the money from a friend or relative that would be able to pay a settlement. So I was able to gain a backer to support the money needed for a settlement. I contact Synchrony Settlement Department and asked to speak to a Supervisor, after on hold fro 10 minutes, I spoke with a gentlemen and explained the situation, and that I 'm calling back for a settlement. The guy continued to ask me questions that were irrelevant, which I answered anyway. After answering the questions, he stated that they where unable to give a settlement and the supervisor that I talked to XXXX/XXXX/XXXX was not allowed to inform me of settlements that they provide and was not going to offer a settlement. I expressed my concern on how dishonest, corrupt and wrong for their company to treat people and mislead them with false statements. Then hung up the phone.

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 07/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I started making payments in 2000 to XXXX XXXX ( Navient ). 10 years ago they asked me to make online automated payments to reduce my APR. That never happened. Now, close to 18 years of never missing a monthly payment, I am not close at all to paying off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with Continental Finance Company, LLC (AL).
Issue: Delinquent account

Complaint: I was contacted by phone by XXXX. I returned their phone call and was transferred to XXXX. When I asked what the call was in reference to he explained a debt with Continental Finance for a credit debt of {$730.00}. He claims a letter was sent to me and a response had not been received. I explained I did not receive a letter. He stated no return mail was received by them. I asked if he could send me something in writing and he declined to do so and said they were just giving me a courtesy call and were not obligated to. I asked again if they could send me something because I didnt receive the initial information. He asked about my email and I told him I had n't received anything at the email in a long time. He said that payment was required now and they were n't going to wait any longer because it 's been 8 months. He then hung up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: I recently re-opened a checking account with BB & T to go with the savings account I had with the bank. When I opened the account, I linked my savings account to the checking account for overdraft protection. I deposited the funds and used my debit card as normal. A few weeks ago I need to make a purchase with limited funds in the checking account. Mobile banking and online banking would not allow me to transfer funds from savings to checking to cover the transaction. 

A few days later, after all of my pending transactions posted, BB & T charged me several overdraft fees though I had overdraft protection. There was no real explanation given. I was charged nearly {$370.00} in overdraft fees though I had the funds in savings to cover all transactions and had overdraft protection. 

When I spoke with bank associates, I was told that they can only credit one fee ( which they did and later reversed ) and that my checking account was dormant though I had made deposits and withdrawals from the account at a branch. 

I understand paying for overdrafts if the bank pays for something for a person ; but if the person has the funds in a linked account and opts into overdraft protection, the person should not be charge such insane fees.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I never made a payment to  XXXX   XXXX   XXXX . They are a  3rd  party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a storage acount and I called to make arrangements to close the account. There was to be an auction of my stuff and then a final bill sent to me. However I did not receive a final bill, instead I received a bill from a collection agency asking for the money in 30 days. In addition to the amount I owed they wanted {$170.00} collection fee. Talked to the storage company and we settled on paying only the orginal amount. Now it 's paid in full. However I go to check my credit score and now they reported it AFTER its been paid and the amount they reported is the amount they tried to extort from me. Now my score went down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (WI).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: XXXX XXXX gave me a degree in XXXX XXXX in which what they taught was no longer being used in the workplace.

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