milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: Good afternoon, I purchased a XXXX from XXXX XXXX in XXXX, NC XXXX XXXX. Since the purchase of the car, I have been XXXX and transferred my duty station from XXXX XXXX, XXXX to XXXX, XXXX. I had not realized that I was delinquent in my payments and that the car payments were not current. During this time my mom who lives in XXXX is helping me straighten out the payments. I also told the finance company, XXXX XXXX that my mom had my authorization to call and talk to them regarding the loan. Due to my job and training I can not always be available to accept phones calls or call out to follow up. 
After my mom reviewed the auto contract she believed I was a possible victim of predatory lending due to the interest rate being so high. And she also how I even qualified for the loan. On XXXX separate occasions my mom called XXXX XXXX and asked them to confirm what my monthly income was. On both occasions XXXX XXXX said it was {$4100.00}. 
Now it 's no long a question of how I qualified. This is fraud on behalf of XXXX XXXX. My monthly income is only {$1900.00} a month. We asked XXXX XXXX to send a copy of the document they received from XXXX XXXX and both times they said they do n't have access to the info to send. They suggested that we contact XXXX XXXX because they have all those documents. I requested my file from XXXX XXXX and they sent me everything but the documents I really wanted, which is the information they sent XXXX XXXX of my monthly income and the approval letter. I had the law firm in XXXX write a letter to XXXX XXXX specifically requesting the documents, but that was over two weeks ago and still no response. XXXX XXXX, the XXXX at XXXX finally responded and still refused to send the documentation I requested. 
Since this mess has started, my command has been involved in this which is negative for me. This could potentially ruin my credit and any future career aspirations I would like to pursue in law enforcement. Due to those fields being effected by how well your credit it. Not to mention XXXX XXXX is threatening to repo the car. 
This is an extremely stressful situation for me and I am asking for your assistance to resolve this issue quickly. If this car dealership did this to me, most likely they have done it to countless other XXXX. 

I also ask that you contact my mom as she knows all the details in this matter and can probably explain details better than I can. she is of the opinion that this should result in a huge investigation and people need to be held accountable. 
As of today I learned that XXXX XXXX XXXX purchased XXXX XXXX and I called them to request the document that XXXX XXXX sent them indicating my monthly income at {$4100.00} and they refused. I asked if they only way to obtain the document was with a subpoena and he laughed and said yes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Consumer Loan (Vehicle loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OK).
Issue: Taking out the loan or lease

Complaint: I requested a {$4000.00} loan from SpringLeaf Financial. Springleaf contacted me via e-mail and stated I was approved for the loan. When contacted, I was told and I have in writing that I would be saving on interest. Springleaf made me sign everything digitally and did not provide me with the documents. Additionally they took my vehicle title and will not return it. The interest rate of the loan is 25 % my original loan was 11.34 %, therefore my interest rate more than doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Over the course of the last two months, I have received XXXX department store credit cards in the mail for which I have accounts with but the names on the cards were not mine. Perhaps coincidentally both department stores ( JC Penny and XXXX ) are now serviced by Synchrony Bank. After speaking with Synchrony, they indicated someone tried to charge amounts on my card utilizing my SSN but the 'system ' rejected the charges and the account ( JC Penny ) was put on hold in early XXXX 2016 unbeknownst to me. I have been a victim of identity theft for over twenty years and continue to be amazed how easy it appears to be to obtain credit utilizing a name that does not match a SSN given all the new rules and requirements put in place. I asked Synchrony if they have had a recent data breach in which my account numbers and SSN were compromised and at that point the individual stopped providing information/insight. I would like to know the following 1 ) did Synchrony have a data breach recently, 2 ) how they let someone other than myself to approve adding a name to my account and 3 ) why the individual that requested the additional card is not being prosecuted for Credit Card fraud.

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 08-07-2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I pulled my credit report recently and noticed a collections account from XXXX that Debt Recovery Solutions is handling for {$220.00} opened XX/XX/XXXX. I dont remember having service with XXXX in XX/XX/XXXX.
I do remember having service in XX/XX/XXXX for a brief time. When we had the XXXX XXXX service in XX/XX/XXXX, our home flooded and the electrical caught on fire. We had to move into a place with a friend while we found a home for ourselves. We lost almost everything in the flood and the fire did a lot of damage to our home. I had to be hospitalized for a short period of time due to complications with my existing condition as a result of the XXXX I had. When I came out of the hospital, going through the process of calling Insurance, gas, electric, and so forth, I called XXXX XXXX and canceled services and specifically advised that I was going through this XXXX XXXX  because of almost losing everything in our house. I remember having to call several times because I kept receiving a bill for services that I did not have. Every time I called, I was advised that the services were no longer connected and one agent, for whom I do not have information for, advised me that I didnt owe anything and that they would send me boxes for the equipment. The boxes never came and if my memory serves me right, I even filed a complaint because I could not get you all to send me the boxes.
After I sent the equipment back, I called to confirm the receipt of the equipment and was told that you had received it and that I did not owe a balance on the account. After that, I never heard from anyone until I pulled my credit report and saw this. This is unfair. You charged me for services that we did not have or could not use because of the flood and fire. This is taking advantage of customers during a rough time to make an extra buck. Now you have added it to my credit report which is going to prevent me from continuing to get back on my feet. The sad part is, my husband and I still get solicitation from you for XXXX.
I want the collections removed as I tried to cancel the services but it seems that XXXX took advantage of me and kept charging me. I was also told that I did not owe anything by your agent. The fact that I told you all what we were going through, seems that that gave more leverage to XXXX to take advantage of the situation especially because of my XXXX/medical condition. It also feels like bait and switch where I was told my services were canceled and that I dont owe anything but now you all are changing it on me and slapping me with a collections account. I want this removed ; its {$220.00}! Not, $ XXXX! I am also notifying the FCC, my State Attorney General, CFPB, State Corporation Commission and other agencies to show how XXXX, and Debt Recovery Solutions, takes advantage of people when they are dealing with a hard situation, when people are the most vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IM TRYING TO MAKE PAYMENTS FOR THE LAST TWO WEEKS BECAUSE I WAN NA FIX MY CREDIT BUT NO BODY ANSWER OR CALL ME BACK, WENT I TRY TO MAKE A PAYMENT THRU THE INTERNET THEY ASK ME FOR AN ID WICH I DONT HAVE THAT AND IM NOT ABLE TO MAKE THE PAYMENT OR DO A PAYMENT PLAN I WILL LIKE TO PAY THE DEBT OR MAKE A PAYMENT PLAN.

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 Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX XXXX # XXXXAdvance Financial XXXX XXXX XXXX TN XXXXI have been a customer of Advance Financial XXXX for close to a year. I went into the office on XXXX XXXX 2015 to Pay may pay day advance and to rewrite the pay day advance in the amount of {$550.00}. I was told by the customer service representative that the company no longer does pay day advances and that if I needed the money I would have to take out a Flex Loan Plan. I was told that this would be like any other loan that XXXX % would go to interest on the loan and the remainder of my bi-weekly payment of {$67.00} would got toward the principal of the loan and that if I paid more than the {$67.00} it would go toward the principal as well to pay the loan off sooner. I asked if there were any other fees and I was told no. So I electronically signed the contract. I did n't read the fine print because no matter what I had to take this loan out my rent was due and if I did n't pay I would be evicted. If I did n't take this loan out I would have no money to pay my rent or buy gas to get back and forth to work or buy groceries!!! I feel like I was strong armed into taking out this loan because Advance Financial XXXX are predatory lenders who make their money from poor people in dire situations, the elderly and the uneducated. I received my billing statement for XX/XX/2015 to XX/XX/2015 and after paying over the {$67.00} bi-weekly payment for the past 3 months what started out as a {$550.00} loan now has a balance of {$620.00}. I am being charged a Customary Fee of {$50.00} with .7 % interest that I was n't told about and after calling customer service to find out why I was told that this accrues daily on top of the regular interest rate and the APR of 279.5 %!!! This loan is growing not getting paid off, at this rate I will never get this loan paid off!!! This company is not accredited with the XXXX and has had XXXX complaints over the past 3 years most similar to mine. I feel deceived at the least, these companies have to be stopped. I have no problem paying what I borrowed, and according to this billing statement I have paid YTD {$340.00}, {$310.00} to the customary fee and {$29.00} to the interest and NONE to the principal. I will pay the remaining {$200.00} but I will not continue to pay for the customary fee. I will not pay anything until this matter has been resolved. 

I will be sending a copy of this statement to the XXXX Consumer Financial Protection Bureau, Department of Consumer Affairs, Federal Trade Commission, XXXX XXXX XXXX XXXX, U.S. Department of Justice, FDIC and any and all other organizations or departments I need to, to get this matter resolved. 

Thank You, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a federal check and couldn't access my funds for 11 days. They told me that my check was deposited two times when I called the XXXX #, witch made me confused, stress out, at that time I had was buying a Automobile was to give them my down payment. When my bank Chase held my check They almost Void the purchase of the Automobile I gave them my friend blank check to hold. Where I paid an insufishent fund 's because it bounces. I call Chase Corporate office, they still told me I had to still wait. I got frustrated raise a big fuss. The finally I got access to my funds, not in proscribed time of witch it should have been cleared. This took place the month of XX/XX/2017. Caused me a lot of XXXX and stress. I told them I will submit a law suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2016 about Credit reporting () with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had claimed bankruptcy in XXXX then decided to withdrawal it in XXXX. It was dismissed XXXX XXXX. Leaving me a balance with Wells fargo of {$16000.00}. 
On XXXX XXXX, XXXX, I had a XXXX and totaled my XXXX XXXX on the way to see family for XXXX. Wells Fargo was notified. My insurance company did not hesitate to resolve the matter. I asked my insurance provider at the time XXXX if all was covered and they said they came to a settlement. 
I asked what that meant and she said they came to terms and agreed on the value of the car and they paid {$11000.00}. Wells Fargo cashed the check XXXX remaining balance was XXXX. There was GAP insurance I tried to handle my GAP insurance that Wells Fargo had but they insisted on handling that matter. Guess what GAP was denied. Most likely because at the top of GAP paperwork I finally received this year XXXX. At the top of the page where it says for your info only on the INFORMATION NEEDED TO COMPLETE CLAIMS. Wells Fargo wrote out my Acct # and The Words " Closed Loan '' " XXXX/XXXX/XXXX '' then below that " Fully C/O ''. So wonder GAP said it was denied. But they still never contacted me back to tell me like they said they would if it were denied would contact me. In XXXX ... .they contact me. I contacted then back. I even have a fax cover letter with poc XXXX and her number was XXXX ext. 
XXXX from XXXX/XXXX/XXXX when I requested them to originally remove it from my credit report. Due to the fact, I had moved to another residence in GA. 
They said, They had searched for me. I thought that was funny. I was at the same address when I had the XXXX in XXXX. In XXXX, Wells Fargo filed a XXXX they never sent to my address they sent to my old one I lived at in XXXX. So here it is XXXX and I have tried all avenues of contacting them. I have paid {$3100.00} for this Debt Cancelation yet they refuse to take it off my credit report. I have paid my due 's they have requested to be paid by IRS. If they wanted more they should have asked for more then. But when you add the numbers up to the amount that was owed on the vehicle I have paid. If you can please talk to the creditors/Wells Fargo. I have exhausted all means. Sent all the proof they requested yet no one wants to remove them or something. 
XXXX Debt Cancelation is for something. I paid them completely. IRS gave me confirmation everyone has proof what else is needed? 
one I lived at in XXXX. So XXXX and XXXX I paid

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 07-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have attempted numerous times over the course of my student loans to discuss with XXXX/Navient an affordable payment plan. The first few times I was quickly suggested into 'deferment, ' and told I would receive paperwork for an income-based repayment plan, which was never received. Each call resulted in the same discussion ... my payments were based on my GROSS income, not factoring in any cost of living expenses. The payments were unaffordable. I even remarked at how they would rather receive nothing from me instead of making accommodations that at least allow me to pay SOMETHING monthly. Out of sheer frustration I just quit dealing with the customer service, as I was told something different every time I called, with no flexibility whatsoever when it came to payment plans. I finally worked with someone at a financial institution who called on my behalf, and was then told my only option for lowering payments was consolidation. At this point, my accumulated interest has nearly doubled my loans, and consolidation is difficult due to the hit this has taken on my credit score. I am working with a financial institution to hopefully consolidate and obtain a payment plan that I can afford while still affording the cost of basic living. I am beyond frustrated and stressed at how these loans have affected my financial health and ability to maintain a decent credit score. When I call Navient now, I am in default and have to make an exorbitant payment to catch up, which also is not feasible. The inflexibility of this company and customer service is beyond reprehensible, especially given the impact these loans have on someone 's credit score, financial state, and overall life affordability. It is n't that I do not want to pay, I WANT TO PAY ... but simply can not at the price they suggest I can. I have made it more than clear to Navient my willingness to pay, and they have made it frustrating and difficult .... actually impossible, to do so. I am nervous they will cause difficulties with my consolidation due to the status of my loans, which would create an even worse situation for me financially, as consolidation actually provides an affordable payment option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: TO SPECIALIZED LOAN SERVICING, AFTER MANY ATTEMPTS TO GET YOUR SUPPORT, WE WERE MET WITH DISRESPECT, AVOIDANCE OF THE CRITICAL ISSUES WE BROUGHT TO YOUR ATTENTION AND RESPONSES NOT RELATING TO THE REQUESTS THAT WE MADE. THERE IS NO DOUBT YOU HAVE AVOIDED THESE ISSUES. WE ARE FACED WITH PROTECTING OURSELVES AND OUR FAMILY AFTER DISCOVERING WHAT REALLY HAS TAKEN PLACE. 

SEE ATTACHMENT ENCLOSED!

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 06-06-2017 about Mortgage (Other type of mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX Complaint Against SunTrust Bank, Commercial Division : XXXX XXXX XXXX  number ( not included ) SunTrust account number ( not included ) I have a rental property that now has an encumbered title from an entity that the settlement statement shows was paid off by XXXX XXXX XXXX, later bought out by SunTrust. This was discovered when selling the property in XX/XX/XXXX. The loan from XXXX ( SunTrust ) was later paid off. But apparently two legal entities that the bank was supposed to have paid off were not. The title insurance company asserts that I do not have legal standing in this case because only the bank is insured by the title insurance. Suntrust has acknowledged culpability, but is no longer pursuing resolution. They have not returned communication for two months. Meanwhile, I have an encumbered title and can not move forward with the properties sale. This matter has dragged on since before the first of this year. Further, the attorney used at closing and approved by the title insurance company later was convicted of embezzlement and was sentenced to prison. Suntrust has acknowledged the problem and filed an internal complaint and I was given a customer advocate. Then it was sent to legal according to the customer advocate where it has disappeared. Now no one returns my phone calls. The loan administrator for SunTrust for the loan is XXXX XXXX. She can be reached at ( XXXX ) XXXX. She reports that the case is now out of her hands. But she has all relevant documentation to this case. I also have documentation that supports my assertions, which I am happy to share with you beyond the 2 files I have attached. Will you act on this? <P/>XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NC 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 09-01-2016 about Debt collection (Medical) with Radius Global Solutions LLC (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I answered a phone call on my cell phone from XXXX woman asked for XXXX XXXX, as soon as i said this is her she started telling me I owed money for a XXXX bill with absolutely NO verification done! she did not verify an address, date of birth, social security number anything, when i told her at the time of the debt I had insurance and that I have told them that before as well as i have told them until they resolve that issue not to contact me, I also pointed out she was calling my cell phone, her words to me were " well youre the one in collections '' this is abusive. 
I then called back and asked to speak with a supervisor who again didnt even verify me, and said if i verified my name that is enough, I advised her that is not enough verification and asked her if that is their policy she said yes all they need is a name, i told her what the representative had said and how it was abusive and belittling she then told me she could not speak to me because she had not verified me at this point we were XXXX minutes into the conversation, so i asked her for their address for a complaint she said the company name is Central Credit Services XXXX , XXXX MO 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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an account that I have disputed and requested validation of and nothing has been received. Please help assist me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation