milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Younomics is charging what I think is illegal interest. My initial loan amount was XXXX. The finance charge from the Truth in Lending statement show XXXX. However, the finance amount doubled. I have documentation that I plan to mail the IRS fraud department. The principle amount on the loan never decreases. I have XXXX XXXX dollar loans. XX/XX/XXXX, I paid over XXXX dollars in payments. The total principle amount never changed from XXXX. The XXXX sent by the loan servicer showed less then XXXX XXXX dollars in interest payments, which is incorrect. The company did not allocate money toward principle, and the XXXX they issued misrepresented the actual amount I paid toward interest. 

I am an Accountant. I have been keeping track of my payments, and documenting Younomics interest fraud. My monthly payment per loan is XXXX dollars. There is a XXXX dollar late fee, if payment is late. The principle amount never decreases. XX/XX/XXXX, there statement show interest accrued XXXX, plus XXXX late fee. However, they charged me XXXX under the title " current amount '', The amount of XXXX is applied toward the past due balance of XXXX. The principle remains XXXX. If the XXXX current interest accrual is not paid, then it is also added to the past due amount. Every month there is additional amounts added to interest that 's not justified by contract terms. The statement show interest rate is 10.5 percent. 

Please investigate this company. I am sure there financial statements and tax returns are fraudulent. I have my original Truth in Lending statement, and I am sure I have the contract also.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had requested my consumer report from XXXX. After obtaining my consumer report I saw that there was a re-insertd bank accounts from XXXX XXXX XXXX XXXX. The re-inserted account was on my Chapter 7 Bankruptcy from XXXX 2010 and these accounts were included on the bankruptcy. The Credit Union has re-inserted these bank accounts in which were enclosed on the chapter 7 bankruptcy. I have sent this information over to XXXX XXXX XXXX XXXX over a month ago and they have not removed the entries. So now I am submitting this to the CFPB. They can not re-insert accounts that were included in a bankruptcy and after seven years. Also XXXX again has put addresses on my report that do n't belong to me : The only addresses that are associated with me are as follows : XXXX XXXX XXXX XXXX, NJ XXXX 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 01/13/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (FL).
Issue: Settlement process and costs

Complaint: Ever since I did my home modification with this finance institution its been problem after problem. 
1. After settled and signed loan documents with a fixed %, the account manager called me that they made a mistake on the calculations and now they have to increase the %. At that time I accepted, I did n't know that was illegal. 
2. I shopped around for insurance, do my inspection. The escrow department decided that my house was not house and I did n't need the insurance. But, no one tell me that. I had a claim on XXXX 2015 called an adjuster, and they told me that I did n't insurance. 
I called the bank, and after many calls they handled the claim through their insurance. 
3. The insurance finally paid. I summited that an estimate from my General Contractor, they sent a check for XXXX % of the estimate. Later when the job was almost done they sent an inspector that took 3 weeks to get back to the bank to said now that I have only completed XXXX % of the work. The problem is that I lost track of many calls and emails send in order to get the result of this inspection, and now they come and say this. This is unacceptable. 
Last Thursday after many calls with them I got into a crash, XXXX. XXXX. 
This has affected me in so many ways, health, economy, etc. 
I hope you can help or help other customer. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Medical) with STONELEIGH RECOVERY ASSOCIATES, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been trying for months to get this company to close accounts they have with my name that is not mine. When I think these accounts have been closed a few months i get collection notice. This has been very very frustrating and time consuming. I received a notice today, 1 ) I called the collection agency on the notice Stoneleigh, I spoke with XXXX XXXX that said they had XXXX accounts in their system, XXXX for {$73.00} that have been CLOSED, XXXX for {$220.00} ( amount on the notice ) still opened. 
2 ) Then I called XXXX XXXX XXXX XXXX ( the company that placed the account with Stoneleigh ), spoke with XXXX XXXX ext XXXX. She claimed there were XXXX accounts in my name but she shows XXXX opened ; XXXX for {$530.00} and XXXX {$220.00}. I told her that these accounts should have been closed. she insisted they are still owed to XXXX XXXX. I asked her for XXXX XXXX number and she said that she does not have a number. She then gave me a number, when I asked her for the extension she said that she googled it and did not have an extension or contact person. This was the same number I called a few months ago which said that I did not owe them. I called the number after being transferred about 5x, being on the phone about 1 1/2 hours I hang up and called XXXX XXXX again. This time XXXX XXXX then claimed I had another account for {$1800.00}. When i told her this had been resolved and I had a letter from THEIR account showing this has been closed, she then transferred me to a XXXX XXXX ext XXXX. XXXX XXXX, then claimed I had XXXX accounts still OPENED, XXXX for {$1800.00} ( which I had the letter showing this has been closed ) XXXX for {$530.00}, XXXX for {$220.00} & XXXX for XXXX. I told her that all these were closed and I need a letter to get these resolved. she claimed she did not have the letter from the attorney. I told her that I needed this resolved to please hold the line 2 mins let me send her a fax so that I ensure they receive the fax, she said that she do not want to hold that i should call back to see if they receive the fax. I attached this letter to this complaint. This has been going on for over 7 years, everytime i think these are resolved years/months after I get collection notices. This is very BAD practice trying to collect debts that is not owed. They are very unprofessional and do not try to understand or hear what one is saying. See above how many times the stories changed, they are trying to collect money that is not owed and this is very BAD. This is taking alot of my time. This will also be reported to Georgia State Attorney & Federal trade commission. This is the 3rd complaints that I have filed for this same situation with this company XXXX XXXX XXXX XXXX XXXX. The previous Case number : XXXX & XXXX. I demand that your company permanently and forever closed this matter and confirm in writing that the above matter has been immediately terminated.

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

Complaint: The equifax hack announced in XXXX XXXX, 2017 has affected my SSN. This has been confirmed by their official website with my information. That means that due to their negligence, my personal information is out there for someone to steal and use as identity theft. The lack of transparency from equifax is unprofessional, not to mention the fact that this happened in XXXX and they wait 2 whole months before telling the public.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.

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 02/16/2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (FL).
Issue: Taking out the loan or lease

Complaint: I established a vehicle loan with Chase Auto Finance in XX/XX/XXXX and started to pay on XX/XX/XXXX. I did my regular payments at is showed in the attachments. On XX/XX/XXXX ( 2 years later ) I have to file a Bankruptcy and I did and was discharge for the Bankruptcy Court of XXXX FL on XX/XX/XXXX. At that time my payments of the car loan were showed in my credit report. I spoke with the Bank representatives and told them that I was going to continue payment my car loan because I want keep my car. They accept the payments all months, only 2 - 3 late payments l payments. But I did a big effort and finish to pay the car in XX/XX/XXXX two months before of the established day. The Bank sent me a letter where they consent the title were give to me because the link of the Bank was satisfied. Now I want to buy another car but I found that the Bank did not report all my 48 payments to the credit bureau and the reason they give to me is that I did not sent a form to the Bank telling them that I was continue with my obligation to pay the car to them. Probably I did not fill the form but I continued paying the car and the continued receiving the money and giving me the receipt or my approve by phone. The say they do n't have the obligation to report. My question is : Why nobody talk me nothing about the form? Why they continued receiving the payment if they were going to push me in a tramp? They also remove from my credit report the 24 payments that I was made at the time I filled the bankruptcy, there looks like I have never buy a car. I want you help me to reach the goal of see this account showed in my credit report. I am sending you the letters I received from the Bank authorizing the title company to made the title of the car in my name, the report where the bank show the amount and day of every payment for 48 months with of very few differences, some of he receipts gave to me when I paid directly in the Bank, the receipts sent for them by mail. It is good to say that I have to meet the procedure gave to me for the Bank which I have to call every month to the department of Bankruptcy and explain them I wanted did a payment to my car loan. And every month for 24 months after bankruptcy I did. Please help me! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan is with XXXX. I heard about the lawsuit and I was attending XXXX in XXXX in XXXX XXXX at the time. I wanted to know if I could help you with this. I also would like to place a complaint against XXXX I was promised job placement, I was rushed through the student loan process with very little understanding. Just told to sign here. I had to sign up online. It was all very confusing. They provided very little and now I 'm left with a outstanding debt no job to pay it back. I was wondering if I could be of any assistance toward the lawsuit against XXXX I was rushed into signing documents one after another with little understanding. Sign here, here, and here kinda thing. I feel cheated by XXXX and now they 're gone. Made millions off of people like me. I 've got a useless degree and a outstanding debt. They were the predator and I was the prey.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have reached out to this company called Professional Debt Mediation, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with a man named XXXX XXXX back in XXXX XXXX 2015. I have spoken with this man over the phone and through email and he has been very unprofessional to me and rude through both phone and email. I have provided them with signed documentation from the apartment complex called XXXX XXXX XXXX XXXX in XXXX, FL, and he still refuses to correct my debt. I have already paid them a little over {$400.00} and I stopped payment until they made their corrected actions. How do you expect to collect a debt from someone when you proceed to be rude and vulgar with them? I have documentation and email communication with this man to prove my case. 

According to Better Business Bureau ( BBB ), this  company has had 104 total complaints since 2015 for billing/collection issues and has a " F '' rating overview. I have been trying to work with them for the past few years to correct the total cost of what is owed and they keep denying my claim, ( even though I am presenting physical evidence ). This is completely unacceptable and is one of the main reasons to cause my credit to fail with a low score. I have sent money to their client directly because I refused to work with them and XXXX told me that their client claims to have never received it. I provided them proof that it was accepted and delivered and the money was basically stolen.

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 06/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Wells Fargo is not for community when we bail the banks out of their crisis what my issue is I open a checking account a year ago, I was upgrading my checking account and was told it was base on my credit score and was denied not on XXXX XXXX or XXXX so this practice is totally not fair. The location was XXXX in XXXX, Tx the other issue is with the opportunitye checking your daily limit is {$300.00} with my balance being {$5000.00} this is totally not fair now you debit card has a daily limit not my checking account My debit card was denied because with an opportunity checking account I paid a water bill for {$160.00} with a balance of {$640.00} it denied my transaction XX/XX/XXXX I went to the branch to speak with a representative and was told it was my credit score and when was the last time it check my credit totally not fair. Then I applied for a regular checking account and was denied ; I have deposit money into this bank and I want other consumer to about this practice. We live in a capitalistic system why I cant open a regular account

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 04-12-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred to Fay Services from XXXX XXXX XXXX as of XXXX/XXXX/16 due to us being behind on payments. On XXXX/XXXX/16, we made a payment of {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment for {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment of {$1800.00}. This check was sent back to us with a letter stating that they could only accept the full balance due for payment. Our XXXX/XXXX/16 statement had a balance due of {$6700.00}. On XXXX/XXXX/16, we sent a payment for {$6700.00} paying the balance in full as the letter requested. On XXXX/XXXX/16, we received a check from them in the amount of {$1800.00} refunding our XXXX/XXXX/16 payment. To date they have not applied the {$6700.00} payment and have put our house into pre-foreclosure. I called on XXXX/XXXX/16, when we received the check in the mail. I left a message for our account manager, and he still has not called me back as of XXXX/XXXX/16. I finally got to another representative on XXXX/XXXX/16, who hung up on me in the middle of explaining our payment application issue. My husband called on XXXX/XXXX/16 and left a message for our account manager and has not received a call back either. He spoke to another representative who said he would look into our {$6700.00} payment and call him back by the end of the day. He did not receive a call back. I checked our account online this morning, and not only have they not applied the {$6700.00}, but they have put a property preservation notation on our account for the pre-foreclosure. In addition, they told my husband we would owe additional late fees for the money that they returned back to us. Our XXXX/XXXX/16 statement shows a late payment will be assessed if the full balance of {$6700.00} is n't paid by XXXX/XXXX/16. They are holding onto our funds to accrue late fees, and sending payments back so they can continue to refuse payments for payment not being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is still reporting an item as belonging to me despite several disputes. I have received letters from the company holding the debt ( XXXX XXXX ) stating that this particular item does NOT belong to me but still Equifax wo n't remove it. They are the only credit company still reporting it on my credit. I 've tried calling, disputing, filing a complaint and after 6 months, it 's still there. Feeling very frustrated with this process and lack of communication on Equifax part. If they would pick up the phone and call XXXX XXXX, this could have been solved months ago.I am appalled at the process to remove an incorrect item. Most people would have given up or spent thousands of dollars using an agency to remove something like this. It should n't be that difficult. I HAVE PROOF from XXXX XXXX that the item is NOT mine. Ridiculous that Equifax ca n't obtain the same information and get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (VA mortgage) with U.S. BANCORP (CA).
Issue: Trouble during payment process

Complaint: I purchased my current home in 2016, and immediately after close I was approached by another lender who promised to lower my payments at no charge. I am enclosing a detailed letter. 
The lender fraudulently lowered y property tax amount to make it look like I was saving the XXXX monthly. I was unaware that he did this. A yer later I was informed that I was XXXX delinquent in my taxes and the new lender wanted payment in full immediately, which I could not afford. This sent me into a downward spiral effecting my health greatly, forcing me to miss work, which only made the problem worse. 
The new Lender did audit my file and change the property tax amount by about 76 dollars a month, still leaving the tax amount over 300 per month short. They should have seen it sooner, but the loan officer and lender that did the refinance knew what they were doing and refinanced my home, adding XXXX to the loan balance with a loan that in the end only saved me {$40.00} per month. The lender 's information is attached.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Equifax allowed this collection agency to put a collection that I do not owe back on my credit report again. The collection agency is XXXX XXXX XXXX XXXX XXXX XXXX This is the same debt that XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has claimed that I owe. They are killing my credit score and I am sick of this debt reappearing on and off of my report. I do not owe this and the backup that each agency sends proves that I do not owe it. Patient responsibility is XXXX DOLLARS. I disputed this account every time and it continues to take points away every time they remove it and then put it back on my report. I am sick of it now. Enough of this because they just let them put anything on my report without any supporting evidence. 
XXXX sent me a letter dated XXXX/XXXX/XXXX and I had 30 days to validate the debt. It is XXXX/XXXX/XXXX and it is on my Equifax report. I am building a home for my family and they know it. It 's hurting my score and no one is responsible or held accountable for the error. I will end up paying the price for someone else 's lack of responsibility. I will not be able to close on my only new home come XXXX because this collection keeps decreasing my credit score. I 've been dealing with this for over a year now and they just sell it out and report it again and no one even looks at it except me and my bank. 
I just think they should look deeper into debts and collections before just allowing things to hurt people who are working their behinds off and paying their debt to society.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Capital one hired Lvnv funding llc XXXX XXXX of Nevada to collect XXXX the was discharged but XXXX XXXX kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote XXXX XXXX and know XXXX XXXX is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX . I never had a account with Lvnv or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by XXXX XXXX to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess . There is a file XXXX # XXXX I never opened new account with this company I called and XXXX XXXX once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old . Thanks you for your time XXXX XXXX

Company response to consumer: Closed with explanation