milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2016 about Credit card () with DISCOVER BANK (MA).
Issue: Closing/Cancelling account

Complaint: I cosigned for a credit card with a {$300.00} limit for my daughter when she XXXX 17 years ago. She got married 15 years ago and called Discover to remove my name and change the card to her new married name since she had established good credit. She later moved into a new home and called to change her address with Discover. I never received any more credit cards, letters or phone calls from Discover in the last 14 years about that account so we assumed they removed my name from the account as she requested. She continued to get correspondence and replacement cards in her name only at her new address but nothing came in my name which I believes proves I had been removed from the account as she requested. Now I got a letter from one of my banks saying there is a Charge Off on my 38 year perfect credit rating for an account I had been removed from 14 years ago. My daughter is going through debt consolidation and the consolidation company had no idea there was a consignor on that account either. Discover never contacted me to tell me that I was associated with an account about to go into default. I have my own account with them in perfect standing so my contact information was readily available. I have lived at my current address 53 years so it 's not hard to find me. When I contacted Discover their response was they only contact the primary card holder. I told them I had a credit card with my name on it when the account was opened but when it expired 3 years later, none was ever received in my name either at my address or my daughters address again proving I was off that account. Discover could not answer why I never received a replacement credit card since the account was opened yet they are saying this is listed as a joint account. We have run a family construction business for 29 years and our credit rating is imperative to continue getting lines of credit jeopardizing the jobs of XXXX workers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2015 an application for loan modification was submitted to Wells Fargo for the Making Home Affordable Program. On XXXX/XXXX/2015 my attorneys office called for an update from Wells Fargo. They stated that they already had denied the application at that time, however the representative stated that he could see that it was denied for an invalid reason and so he was going to reset the review. The representative indicated that he could see that they were going to need a letter of explanation for the paystubs. This Letter was provided to the lender the next day. On XXXX/XXXX/2015 a call to the lender was made to see if any further documents were required. At that time a second representative stated that they could not advise us regarding the status of the application because the assigned representative was unavailable and because she could n't understand the notes. Another call was placed to the lender on XXXX/XXXX/2015 and the same information was provided. No update could be given and they could n't see if everything that was needed was submitted. When a manager was request, I was advised that the manager for the representative handling the file was not there and had not been there for the last 5 days. It looked like they had everything but the representative was unsure why the file had not been submitted to underwriting. Since the submission of the documents on XXXX/XXXX/2015 not XXXX letter has been sent stating any missing documentation was being requested. At this point it appears Wells Fargo has not followed the time guidelines prescribed by Regulation X. XXXX XXXX wants to save his home and would like a speedy conclusion for a proper Making Home Affordable Review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX, I request reasonable accommodation to submit past due medical bills to my insurer ( medacare/XXXX ) I can not understand the process, please inform my debtors to submit a bill to my insurance company directly, not me, and to remove the debt from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Trouble during payment process

Complaint: I attempted to reinstate my mortgage. Based on a repayment letter issued XX/XX/XXXX & verification of calling the lender I had until the end of XX/XX/XXXX to remit payment of {$3000.00}. XX/XX/XXXX I first attempted to send a moneygram based on the information provided in letter format & verification by phone call with lender. The lender refused to accept funds through the moneygram format. I had to resort to getting 4 money orders for the balance due of {$3000.00} and sending them by mail, in the same envelope XX/XX/XXXX. I received 3 separate letters dated XX/XX/XXXX, each with a single money order stating I had did not submit enough to reinstate the loan. I sent a request to the lender 's research department indicating I had sent all the funds in the same envelope. I received a response XX/XX/XXXX indicating I had only sent {$2000.00}. Then I received a 4th envelope with the missing {$1000.00} money order dated XX/XX/XXXX again stating insufficient funds.I called and spoke to a supervisor who upon research verified that the lender did receive all 4 money orders but the cashiering department had only posted {$2000.00} of the {$3000.00} submitted. She indicated I could re quest another reinstatement but now would have to pay an additional 2 months mortgage up front and all associated fees despite the proof I had submitted the correct balance. No fees will be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stallings Financial Group, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On Saturday XXXX XXXX, I received a notification from XXXX that a new collection account had been reported ( listed as XXXX XXXX XXXX ) .. Immediately I checked and it was being reported by Stallings Financial. I called them on XXXX XXXX, only to find out they were closed that day. On Monday XXXX XXXX I called XXXX XXXX XXXX department inquiring on this account to find out what it was. They stated that it was a final bill from 2013 that was never paid. I asked them why they had not sent a bill, as I NEVER received anything from them ( I left my forwarding address with the post office. ) I paid this immediately on Monday, XX/XX/XXXX.They informed me that Stallings Financial would be the person to contact regarding this. I contacted Stallings Financial on XXXX XXXX asking why they had not contacted me regarding this. XXXX, with Stallings Financial, informed me that they had sent a few notices, which were returned as undeliverable to them. Had I known ANYTHING about this I would have taken care of it. Not XXXX time did I receive any correspondence from the XXXX or Stallings Financial regarding this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX has violated Usury laws by charging 13.75 % on a private loan. They then sold my loan to AES and the rate remains the same, not lower. The loan total was taken out at {$10000.00} and now has reached {$12000.00}. I have paid {$12000.00} in interest and yet my loan is now at {$12000.00}. I want this loan discharged, as the interest rates violate the California XXXX rate of no more than 10 %. This loan is virtually impossible to pay with the high interest rates. On top of that, the XXXX XXXX XXXX California - XXXX XXXX put me through unethical sales tactics through their financial aid department to take out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Car totaled! Company did n't pay bank all that was needed to clear the balance off of my credit balance report. Car company owes the car insurance that we paid for during the loan of the vehicle. And car insurance did't pay off for the rest of balance. I have full, total car insurance on the vehicle that was totaled. Why was n't this fully taken care of?

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and myself just refinanced a loan given to him from Chase bank. Back in XXXX of 2012 Chase bank told my husband he had to miss mortgage payments in order to do a loan modification to lower his interest on his home loan. They also demanded that he only use their lawyer in house. Turns out when we refinanced there was a balance setting on his home loan of {$4500.00} due for Fees associated with this cooked up bank scandal of which my husband never received any loan modification on. My husband only had his credit ruined and back then had to pay all fees to bring his loan up to date. Really I think what Chase band did to him is a crime! Chase should return all fees to him. Currently the amount of {$4500.00} was paid to chase bank through our refinance. But it should be returned to us from Chase. What they did back in 2012 was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX ( XXXX ), XXXX, VA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I went to Check 'n Go on XXXX XXXX, XXXX to get a loan to make repairs on my car. Check 'n Go gave me a {$5000.00} loan at 74.95 % APR. 
On XXXX XXXX, XXXX, I went back to Check 'n Go to get a little bit more money. They told me I could refinance my loan with them, and I would have to take out at least {$2000.00} more with them. I did n't need {$2000.00} more, but they told me that they would not give me a loan unless I accepted a refinance loan for a higher amount of money. I signed a refinance agreement for {$3700.00} at 85.08 % interest. 
On XXXX XXXX, XXXX, I went back to Check 'n Go because I was behind on my rent payment and all my bills and needed more money. Again, I wanted less than {$2000.00}, but Check 'n Go insisted that I take out a loan where I would get over {$2000.00} in cash. I signed another refinance agreement for {$4600.00} at 104.57 % interest. 
The Check 'n Go office has, from the beginning of my interactions with them, refused to accept any method of payment from me except cash. They debited my bank card once to get my bank information. 
I fell behind on my payments with Check 'n Go around XXXX XXXX, XXXX. Check 'n Go created a check for {$380.00}, payable to Check 'n Go, in my name and cashed it with the bank. I was never informed that Check 'n Go could do this. I would not have given authorization for Check 'n Go to do this if I had understood what remotely created checks are. My bank charged me an overdraft fee after Check 'n Go cashed a check that it had created in my name that I did not authorize. 
I fell behind on my payments with Check 'n Go again around XXXX XXXX, XXXX. Check 'n Go again created a check in my name payable to Check 'n Go for {$530.00} and cashed it with my bank. I disputed my check with the bank and have attempted to withdraw my authorization for any future checks created by Check 'n Go. 
I have never authorized Check 'n Go to create checks in my name to overdraw my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (IL).
Issue: Struggling to pay mortgage

Complaint: My house appraisal is at 250k+.i owe XXXX on my house, Still PennyMac insists on charging me for mortgage insurance.I want mortgage insurance canceled since i have 120k+ equity in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: The fraudulent acts of deception must stop ... The company ( The CBE Group , Inc. ) Is now a party of the deception an have violated the law. I from on my credit report a false statement for {$150000.00} as a past due balance .... XXXX is liable for the {$250000.00} in damage s as of ( XXXX/XXXX/2016 ) and company listed for collusion of Criminal Conspiracy scheme.

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 11-05-2017 about Credit card or prepaid card (Store credit card) with AMERICAN EXPRESS COMPANY ().
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, XXXX imposed an annual fees of {$170.00} included GST {$11.00}.
I called XXXX customer services on XXXX/XXXX/XXXX at XXXX and spoke to an officer named XXXX XXXX , however, she refused to waive the annual fees. I requested to speak to senior manager. However, I did not get a call back within 48 hours as promised by XXXX. I received call from a lady manager named as XXXX. She reluctant to waive the full annual fees and offered me to pay half of the cost although I have been frequently used their XX/XX/XXXXXX/XX/XXXXat XX/XX/XXXX.. I felt very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgement listed on my report by XXXX that has been vacated or dismissed due to XXXX illegal collection tactics. Im currently disputing with Equifax and have recently disputed and they continue to somehow verify as acurate. I now have a copy of supporting documentation that supports my claime please note that there were several accounts dismissed are that were included with my lawsuite against them in the documents. Please review the uploaded documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between XX/XX/XXXX and XX/XX/XXXX 2017, Equifax allowed malicious actors to obtain my personal information, including my social security number, date of birth, and previous addresses. I utilized their website ( www.equifaxsecurity2017.com ) and was informed that my information was likely caught up in the attack. Their failure to adequately secure this information has put me and millions of others at risk of identity theft for the rest of our lives. I have now paid {$50.00} to freeze my credit with all three bureaus as well as XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Prior to a divorce, I was unaware my spouse was not paying on the loan. After separation, the loan company called me and basically threatened me. I turned in the required documents that they sent me. I asked them to send the documents to my spouse since most of the loans are hers. The company told me directly they sid not care abour her. I was rhe primary signer and rhe note and she was secondary. After completing and sending the info in, I received notice about 30 days later that I had defaulted. It took me a year, but alone rehabilitated the loan. I was told that after rehabilitation, the penalties would be erased. That never happened. Last yea r Navient sent me information about loan payment that is impossible to pay. After dealing with them for over a month, I qualified  for the income driven plan. My now ex-wife of 5 years is non-compliant. She has refused any attempts yo dealing with the student loans because of the divorce settlement and the fact that I am the sole name on the front page of the note. I received a letter from Navient stating my loan was in 45 day forbearance due to me having to recertify my income. They told me my Loan is on hold because they are trying to get my ex to respond. After she did not respond, last year they certified me. This year they said that the certification last year was a courtesy. This year they will not honor it and they are now going after the ex. My complaint is I have not talked to the ex and now they asked me to get her or her attorney to contact them. They said if she does not respond, this will affect, me, my credit, and the status of my loan. I asked them to send me a copy o f the MPN. Theybsaud they do not have or never of had one. Thwybwant me to send them my copy of the MPN. I ca n't find this document. Yesterday  I sent copy of m y 2016 taxe s again. I sent them again after sending them in  XXXX . I am trying to pay the loans. Replaced them in forbearance without my authorization and have no record to prove to me the terms of the loan and who is on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX dollar tax lein has reported on my credit report and has been satisfied over a year ago. I have re leased letter. Need to have removed from all credit reports. Please advise as soon as possible. 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 08/24/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have several accounts with CapitalOne, including Credit Card, Money Market and Checking. 

For a number of years, I have been registered with their website so I could review my accounts from time to time online, including monitoring credit card charges Recently when I tried signing on, I was informed that they have redone their site and one piece of information required for me to access my own account was inputting my salary. Without completing this field, i would not be allowed to access my personal accounts online. I am XX/XX/XXXX and even if I didnt object to giving my salary, it jumps so I may be put in the box someday by CapitalOne saying I gave false information when there was a significant change in my salary from what was submitted.. 

I called " customer service '' and was told that the marketing department had implemented this so they could evaluate marketing other products to me and other customers. 

I told them I did n't want to be marketed any additional products and the " customer service '' person opted me out. Nonetheless, I still ca n't access my account without inputting my salary. 

The " customer service '' person said only marketing had control over this and all she could do was submit a " compliant ' on my behalf. 

My credit score was and continues to be in the Excellent range. And as a matter of fact, CapitalOne tracks my credit score for me showing just that. Isnt my credit score the way they evaluate extending credit to me? 

I just returned from a trip in XXXX and used two of my accounts while in XXXX and I ca n't access the accounts online to make sure everything is proper and there are not false or incorrect charges. 

It is clear to me that this marketing decision to further intrude into my personal information and with so many breaches of websites we read about, this just puts more information out there. 

Hence, in order to market more products ( which I do n't want ), Capitalone is saying " to the heck with you and your privacy and even though it does n't affect your present accounts, we are holding your account information online hostage until you do what our marketing department wants - i. e. to bombard customers with offers I do n't want. 

Please force CapitalOne to stop the unfair and deceptive practice of denying me access to my personal deposit and credit information because I wont give them personal information. SINCE THIS IS A MARKETING DIRECTIVE, THERE IS NO REASON TO HOLD MY ACCOUNT INFORMATION HOSTAGE. They can always look at my credit score in evaluating continuing to provide me credit. 

Although I think this should be totally banned, here is and easy solution is for anyone who hasnt opted out, eliminate this question. They can have a box to check about the salary which says, check this opt out box and you dont need to provide salary. 

I appreciate you looking into this unfair and deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Vehicle loan or lease (Loan) with FC HoldCo LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX continues to report incorrect to all three credit bureaus. I The loan in questions has been paid off for over a year. They continue to refuse to resolve this issue which has resulted in me being unable to refinance my home.

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 08-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the loan modification process but at the same time the mortgage lender pursues foreclosure remedies in state court while simultaneously is offering me a mortgage modification ( DOUBLE TRACKING )., This is my house primary residency ( and in Florida, XXXX XXXX JUDGES DO NOT ALLOW CANCELATION OF FORECLOSURE SALE ).

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