milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient has made it very hard to stay on track with my student loans. They raise interest rates on them the more I pay. They have capitialized interest on me while ive been in school. They have never let me release my co signor. They said it was n't possible. At this rate I wil be paying $ XXXX a month for 30 years. My original balance of {$35000.00} went up to {$54000.00} in 6 years just due to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Capital One is reporting a charged off listing on my credit reports. This entry is because of fraud. I contacted Capital One of the unauthorized charges and requested that they send me a fraud package to complete. They have yet to send it and it 's been almost 2 months. I 've the debt with the credit bureaus but Capital One continues to report the damaging listing. Make note of this formal complaint and help me to resolve it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have a current mortgage serviced by Seterus , Inc . I am trying to pay down the principal every month by adding {$120.00} payment. I make the payments over the phone, separately, and the representative on the phone tells me I can make the payments this way. Seterus ' representative gives me a separate confirmation number for each payment ; mortgage payment and the extra principal payment. But when I receive my mortgage statement, it shows the extra principal payment going into a suspense account instead of going to the principal balance. I have called to get it fixed, just to have it occur again the following month. This month I received a letter with my mortgage statement explaining that Seterus " can not accept partial payments '' so they put the money in a suspense account. When I make the extra principal payment I am not making a partial mortgage payment and the representative on the phone assures me the money will be put on the principal. I called Seterus this morning and spoke to a customer service agent who told me that Seterus can not take extra principal payments over the phone because the system can not accept it and therefore every time I make the payment over the phone it will be put into a suspense account and eventually moved. She advised me to send a separate check to Seterus in the mail for the principal payment if I do n't want the money to end up in a suspense account. I do not understand why a servicing company can not apply payments over the phone as directed when it takes an employee to enter the principal payment into the computer either way. I do not believe I am the only person trying to responsibly pay down my mortgage and being told conflicting information. Putting my extra payment in a suspense account instead of the principal on allows Seterus to make additional interest and costs me every month. I would like to know if a servicing company can purposefully make it more difficult to pay down the principal balance, especially for people who do not use snail mail anymore, in order to dissuade people from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Bank of America offered {$100.00} as bonus to new customers who spends {$900.00} within 3 months after opening the credit card account. 
I opened my account on XX/XX/XXXX2016. I did not receive the promised bonus after spending over {$900.00} with in 3 months after opening the credit card account. 
I 've been to the BoA branch where I opened my credit card account numerous times regarding this issue, and BoA representative denied the existence of such offer.

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 non-monetary relief
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Application, originator, mortgage broker

Complaint: Applied for a mortgage refinance with Bank of America, spoke with XXXX XXXX. After submitting my application, he said " thank you for your application '' I will work on your application over the weekend and get back to you. XXXX of the application questions was " are you a co-signed on any other loans ''. I explained yes, I co-signed for my son 's college loan but that he would be making the payments. XXXX XXXX stated he would look into it being a problem. We hung up. After not hearing from XXXX XXXX for several days I called him back. He replied " yeah, sorry for not getting back to you, but your income debt ratio is way too high with the student loans showing up on your credit report. He also said that once my son was paying on his student loans for at least a full year we could reapply and show proof that my son was indeed paying his own loans. '' Ok, so the loan was denied. Fast forward a month, I never got a denial letter and I know that the law states that denial letters must be sent out. I called the banking commissioner and was given this site to process a complaint. Also, last night XXXX XXXX called me to say that he heard I was upset for not receiving a denial letter but that I never submitted an application. What??!?? I worked for a mortgage company for years and I know when I submitted an application and hung up on him. Also note that roughly 2 years ago, I applied for a refinance with Bank of America and even had an appraiser come to my house which I had to pay for. I never got a denial letter from that application either. I was told over the phone that my income to debt ratio was too high. I questioned why then was an appraiser sent to my home if they knew my loan was going to be denied and they had to answer. Again no denial letter. I did file a complaint as to why an appraiser was even ordered and received an answer back basically telling me that they can do what they want. Again, no one has ever addressed the no denial letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have submitted a complaint with the annualcreditreport.com website but have not heard back. I have on several occasions since XX/XX/XXXX attempted to get my credit reports from that website but every time each of these sites say that they are " unable to provide my credit report, and to submit requests by mail '' with multiple different documentation at my own expense. I have not been able to get my credit report from Experian or XXXX in over 3yrs and have not seen my XXXX in over a yr. How can I know if my identy has been stolen if these companies prevent me from checking my information, and how can it be a " free report '' if I have to spend money to copy/print and mail additional information at my own expense?

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 non-monetary relief
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received a investigation report after my dispute in regards to an account  XXXX . it indicated the account  XXXX  was deleted ; however when I viewed an full updated copy of my credit file  XXXX  account number  XXXX  was not deleted. I am asking for the account to please be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with KEYCORP (WA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: My identity was stolen on or around XXXX XXXX. During the time period of XXXX XXXX - various accounts were opened in my name. One of the companies Key Bank, i notified on XXXX that fraudulent accounts were open in my name. i spoke to someone on the phone at location below. 

KeyBank Fraud & Disputes Hotline XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, A Fraud & Disputes Hotline Analyst at Key Bank that i spoke with indicated to me on the phone that there were actually more than 2 suspicious accounts in their system in my name open. He said i should mail documents in to them, which i did on that same day. I submitted all required documents - including a police report, my identity theft claim and all documents they required to the address listed above. 

to date, no one has contacted me in writing or by phone to indicate these accounts are closed. i want a letter in writing-not a phone call - that all accounts fraudulently opened in my name ( XXXX XXXX or my maiden name XXXX XXXX ) are closed. I have to date, NO accounts with KEY BANK at this time that i opened on my own. 

i am filing this complaint wanting help in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My teenage daughter received a phone call on her cell phone from Chrysler Capital looking for an old neighbor that moved a year ago. 

I find it appalling that someone with Chrysler Capital thought it would be okay to do this. 

An employee of Chrysler Capital had to go online and look for a name or address of an old neighbor to the debtor in an attempt to track him down. They anticipated an old neighbor ( me ) will let him know about the call in an attempt to shame him into taking care of his debt. 

I will not do Chrysler Capital 's job for them. They should be stopped from using tactics like this on others.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company calling me is ERC, their phone # XXXX. They say the account is XXXX. It is a recording and they call three times a week. I have lived at the same address for 40 years and no one as every come forward, saying I owe them money. I pay all my bills off and do not owe anyone. Why have they not sent me a notice on what I owe and to whom? All I get is a recorded message. We are tried of all the phone calls ... ..Please help us ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Credit card () with Continental Finance Company, LLC (NV).
Issue: Late fee

Complaint: I would like to file a complaint against Verve MasterCard Company, due to the extremely high late fees and interest rate. I have tried to contact these people to work that out and it looks like every month they are taking on over hundred dollars worth of fees that is way too high for any credit card I own for credit cards and none of them is this high, please help!!!

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 08/28/2015 about Debt collection (I do not know) with Trademark Management Solutions, LLC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: my mother is XXXX years of age and recently had a XXXX and XXXX XXXX. This company has continued to call and harass her concerning a debt. They have threatened to come to house and stated they with the Sheriffs Department and was coming to serve her for a debt. We have asked them numerous times to stop contacting her that her health is poor and she can not endure this type of stress any longer and has no income to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-11-2015 about Debt collection (I do not know) with SELECT PORTFOLIO SERVICING, INC. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have no idea why they keep calling me are and they keep calling me and leaving messages for me to call them which is against the law to harass a person for a debt that I do not recall ever receiving a letter but I have lots of messages from them and they are constantly calling me and breaking the law by doing so. It is now not a matter of a collection it is now a method of harassment and it is against the law what they are doing regardless if it is concerning a bill no one has the right to keep calling and calling and harassing anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Struggling to pay mortgage

Complaint: On  XX/XX/XXXX ,  a letter of dispute was sent to Ocwen 's research department stating that loan payments on the loan had been {$480.00} instead of {$450.00} as per the original loan agreement. This was an overcharge of {$27.00} each month for 135 months amounting to {$3600.00} as of that date. Another letter of dispute  dated  XX/XX/XXXX   was sent to  Ocwen  stating that no payment was due on  XX/XX/XXXX ,  since the amount they said was due, {$600.00}, and the overcharges were considerably more than that amount. Because Ocwen did not furnish any explanation for this discrepancy, no more payments were made on the account.  <P/> As of   XX/XX/XXXX ,  the overcharges and interest on the overcharges amounted to {$6400.00}. At that time,  Ocwen  turned the account over to their attorneys for foreclosure proceedings, even though the missed payments amounted to less than the overcharges and interest on the overcharges.  Ocwen  was notified by certified mail of this fact, but  Ocwen  ignored that letter, and proceeded with the foreclosure.  <P/> When Ocwen initiated the foreclosure proceedings, and proceeded to foreclose on the loan, an attorney was retained by us, and we were advised that fighting the foreclosure would be expensive, and we were advised us to file bankruptcy, which we did.  Ocwen  foreclosed and the property was finally sold at a sheriff 's sale  on  XX/XX/XXXX  We  do not believe this is fair, legal, or acceptable by us. We lost our home, and certainly do not agree that  Ocwen  's action was justified and is certainly not acceptable to us.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 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: Information belongs to someone else

Complaint: My name  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX  is reporting an account that is not mine. I have done several disputes with all  XXXX  credit bureaus and  XXXX  and   XXXX   have deleted the trade line but Equifax has not. The account number being reported is  XXXX   XXXX   XXXX  #  XXXX , opened on  XX/XX/2006   , and the balance is {$11000.00}. I have even filed a police report in the city of  XXXX  Texas and sent this to  XXXX   XXXX   XXXX  but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home.     I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report.     Regards.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had made my third trial payment with XXXX XXXX XXXX Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to Selene Finance and when I called Selene Finance although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at Selene Finance said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company Selene Finance. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have which I thought was super strange all companies give a confirmation number it shows that a payment was made. After that I decided to check the reviews on Selene Finance and saw that they had XXXX complaints and not one good review I guess XXXX XXXX knew exactly how to get me and my home into more issues.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Making/receiving payments, sending money

Complaint: Paypal forces consumers to add a checking account to verify their identity. Once a checking account is linked to a consumer 's Paypal account, Paypal makes this account the default account where they take money from to pay for transactions. There is *no* way to change it. " One can not make a credit card account their default account after linking a checking account ''. Paypal does this to make extra $ $ by not paying credit card commissions and keep the 4 % themselves. 

I was careful to check and change the account to credit card account whenever I made transactions. However, I missed to change the account in my last transaction and Paypal took the money from my checking account and my bank account was overdrawn due to this. Bank charged me an NSF fee and I received a scary letter that my account will be reported to XXXX and Credit bureaus due to NSF. I did not check this bank account since I linked an account that I do not use often and do not keep any money to Paypal. I chose an under used account since I was not comfortable linking my active checking account to Paypal. 

I deposited money to my checking account and Bank was nice and refunded the NSF fee but Paypal must have damaged credit scores of a lot of customers due to Paypal 's greed. 

If transaction gets declined due to NSF, Paypal will keep trying every day or every other day to debit the money which will rack up NSF fees for the consumer. Banks often pay Paypal debits even if an account does not have overdraft protection to avoid this NSF hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with CAB Receivables, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This letter is to file a serious complaint against, XXXX XXXX of XXXX XXXX XXXX, File No. XXXX Ref No. XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX, phone number XXXX. 
Back in XXXX XXXX, we received a call from XXXX XXXX demanding a payment for an unpaid invoice from merchandise shipped from XXXX to some country in XXXX, a company we are not aware of. When my husband asked for more details he added my husbands name to a case that he was not involved in. After looking into the documents we immediately called the XXXX Police Department and filed a case number XXXX. We emailed them the information and informed them is was a case of identity theft. Based on a statement from Detective XXXX, they were able to determine that the information was fraudulent. The documents that XXXX XXXX provided with the notary seal were determined to be fake. 
We were then contacted again on XX/XX/XXXX by XXXX XXXX, and when my husband informed him again, its an obvious case of identity theft, XXXX XXXX began using abusive and intimidating language, with threats of suing us and taking legal action against us. 
He was extremely unprofessional, and was telling my husband to ''Drop the attitude '', and " He couldn't care less about aggravating him ''. My husband then called back the company and asked to speak with somebody other than XXXX, the operator was instructed not to let him speak with anyone other than XXXX XXXX. Please look into this abuse of power and authority, and please let us know what can be done about this case. 
Thank you, XXXX XXXX XXXX File No. XXXX Ref No. XXXX

Company response to consumer: Untimely response
Consumer complaint received 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have submitted countless disputes via online and certified mail only to be told that they will not investigate any further disputes. As per the Fair Credit Reporting Act ( FCRA ) per section 607 Compliance procedures [ 15 U.S.C. 1681e ; which states : ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
After reviewing the FCRA it appears this has been violated. I have sent this information twice trying to have it removed only to be told that instead of attaching as pdf file which the online dispute site suggest, now I am being told it should be in the form of a JPEG file ( picture ). I am requesting that XXXX XXXX account number XXXX be deleted per the FCRA. I have submitted the documents provided to me by XXXX XXXX and XXXX XXXX has requested this account be listed as paid in full, however Transunion will not use the documents provided and refuses to honor the request of XXXX XXXX. Rather they requested me to have XXXX XXXX call them and confirm. See Attached documents

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