milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2016 about Consumer Loan (Vehicle loan) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Problems when you are unable to pay

Complaint: I purchase a Gap waiver clause with my automobile loan from the bank. The car was total and now they keep saying its my responsibility to pay the loan until the insurance company pays the bank minus my dedu. The loan was due on the day of the accident. When I found out that the car was XXXX I went to the bank on the XXXX of XXXX 2016 and reported the lost of the car, I ask should I still make a payment? and the manager of the bank in XXXX, N.Y. Told me she was going to put in a claim immediately so not to pay because it will go to the collection and they will get in contact. Now they are claiming that my insurance did not response quickly they want me to pay for the time they took to settled this matter.. They also change gap company while this was going on. When I research on the computer who was handling banks insurance claim I saw it was the same company I had my insurance XXXX and then their change it in XXXX I do n't know who their covering but its obvious its not me.. I wrote to previous about this matter and did not hear from you. Forwarding letter of my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Other

Complaint: I have only applied for XXXX credit card XXXX TIME with this company. Not XXXX, and not XXXX times back to back. This is not correct. 

CAP ONEXXXX XXXX, XXXXCreditor Contact DetailsCAPITAL ONE BANK USA NAXXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I Had Two Credit Cards ... .I Was NEVER LATE ... .Never Missed A Payment ... .I Just Decided To Close Both Accounts ... .I Paid Them Off In Full ... .Then Closed Them ... One Was XXXX ... .Other Was XXXX ... .I Did n't Realize It Would Effect My Credit To Close Them Or I Would Have Just Kept Them With XXXX Balance ... I Just Did n't Want Anymore Credit Cards So Do n't Understand All These Inquiries ... ..Please Help ... .I Have Been Working Really Hard To Get My Credit Back Where It Belongs ... .Unfortunately I Had To File Bankruptcy in XX/XX/XXXX ... ... I Started A Business ... .Lost About 300,000 ... Very Sad For Me As I Worked Very Hard For That Business ... .But Then We Had The Crash..in XX/XX/XXXX... or XX/XX/XXXX... .Please Help Me With All These Inquiries ... They Are Bogus..Someone Has Hacked Me I Think! Thanks For Any Help ... XXXX XXXX/XXXX..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XX/XX/XXXX I called Bank of America and had my account to be closed. A direct deposit was submitted on XX/XX/XXXX for the amount of {$100.00}. On XX/XX/XXXX I received an email stating that the account was closed. On XX/XX/XXXX I contacted Bank of America located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX and spoke to a representative, he stated that he can not help because the account was closed and to contact customer service. I made several attempts to contact customer service, the first time I was placed on hold for a half and the second time an hour

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: I received my welcome letter from Shellpoint, my new mortgage servicer, stating that " we 're concerned about your recently missed mortgage payments and want to offer our assistance in case you are unable to catch up ''. " This information may be reflected in your credit report ''.
I had never missed a payment with  XXXX , since  XX/XX/XXXX  when the loan modification began. I just completed bankruptcy the month prior to receiving Shellpoints letter, in XX/XX/XXXX . The trustee of my bankruptcy did an audit, so that I knew I was not behind on any payments and all my debt was paid off, when my bankruptcy was discharged,  XX/XX/XXXX . When I called Shellpoint, they told me I was {$11000.00} in arrears, and I could be put on a payment plan. They said I could not refi because I just came out of bankruptcy. They wanted a copy of my loan modification. I sent email with attached loan modification, showing my loan was on 40 year fixed rate of {$1500.00} a month until  XXXX . Shellpoint set up conference call with me but nobody called back, so I 'm not sure what is happening After I read peoples experiences with Shellpoint on  XXXX , I am very concerned about my new mortgage company and do not want to do business with them. I sent email to my previous mortgage service company and requested a payment history to see what is going on, since late payments are not showing up on my credit report.
I have attached documents supporting conversations between myself and Shellpoint

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account showing as missed payment but account was placed in deferred status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Consumer Loan (Vehicle loan) with Automobile Acceptance Corporation (GA).
Issue: Problems when you are unable to pay

Complaint: This car lot sold me a bad car, not even having the vehicle an entire year the engine went out and the company refused to fix it or put me in another vehicle at their cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Making/receiving payments, sending money

Complaint: BAC sent out my bill pay on XX/XX/XXXX vs XX/XX/XXXX due to the holidays, charged me an overdraft fee on XXXX/XXXX/XXXX despite the check not being cashed yet ( on XX/XX/XXXX ). I was told that is allowed in the disclosure. It should be illegal - if they have n't paid the check, how is it an overdraft? If I had mailed the check, it certainly would n't be an overdraft. Other banks do n't debit the account until the check is cashed. HORRIBLE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: AFNI, Inc. holds a debt in my name which I am not aware of. I wrote them a letter XX/XX/2016, in which they refuse to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Customer service / Customer relations

Complaint: a credit card with Capital One, had an auto renewal fee, with no statement mailed to me, and added a late fee, over time, I had a reporting on my credit report that had negatively effected my credit rating. I have not used this card in years, if I ever used it. I do not recall getting their card in 2011. I am attaching a page from my credit report. Capital One has reversed the charge on my account, but my credit report is still showing a lower score due to this mistake on the report. Can you have it fully reversed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to resolve this matter with XXXX since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.

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 08/14/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (OH).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: My husband and I were in the market for a new vehicle. We decided to go to our local dealership XXXX XXXX. The loan was secured by XXXX XXXX. We decided that we wanted to obtain the loan in both of our names in order to rebuild my husbands credit. We were told only by a miracle they were able to add my husband to the loan but the tier would go up causing the payment to go up as well. We agreed to the terms and moved forward with the lease. XXXX 2017 we were going to trade his car in and went back XXXX XXXX to secure a loan. My husband andd I again wanted the loan in both of our names. We were made aware that my husbands credit was not good enough to do that and that he was never added to the previous loan. When we inquired about it we were told that it was not the dealerships issue and that was the fault of XXXX XXXX. However our payment was increased for no reason for those 2.5 years. They then offered that for the current lease that he could be added for an additional fee. We agreed again. Additionally we never received our loan paperwork nor our manual. When I called XXXX XXXX on another issue, I was advised by the lease termination manager, that my husband was on the original loan and that it was just not reporting to the credit bureaus and then placed a request for this to report. So now my issues are the inconsistencies. I am concerned that I have or are currently overpaying on my loan. Additionally how much have we overpaid in obtaining new credit due to the incorrect credit score? This my 4th car with XXXX XXXX and I am concerned that I am being taken advantage of. This has caused material damage and is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Regions Mortgage decided to raise my monthly payments excessively this year. Last year I paid $ 630/month and that included a little extra that came off of the balance. This year they want to raise it to $ 740./month. According to my calculations, P & I, plus the extra for a home warranty plus 1/12 of the escrow requirement totals {$640.00} Regions already has a pad in the escrow account of over {$1000.00}. I want my payment back to something reasonable and I do n't see why they need an extra {$2000.00} in the escrow 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 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: My complaint is with NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Back on XXXX XXXX, I called in to set up a payment arrangement to pay the amount i owed which was {$250.00}. However, It was way past the 90 days of my having this particular debt. When I called and made the payment that 's when they put the paid collection onto my credit file which is lawfully wrong. I spoke with a gentleman and he asked me a couple questions, which was as quoted " are we reporting to the credit bureau if so if you can make this payment '' XXXX I can get this account updated and remove from your credit file. This is a big dishonest agreement they made with me because they did not remove it as promised. Once they finally recieved payment, they updated it as paid collection ''!!!!! I then have called to speak to corporate and supervisors about this matter because it is not fair to me. THEY LIED TO ME IN THE ARRANGEMENT AS FAR AS PAYMENT!!!! I also informed them that I have a recorded call from when I originally spoke to call in to make arrangements. They then said they would pull the call also. THEY LIED TO ME!!!!! VERY DISHONEST COMPANY AND THEY WILL BE GETTING SUED IF THEY DO NOT REMOVE THIS LIE THEY HAVE CREATED.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with Radius Global Solutions LLC (PR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I am receiving frecuent calls from this number. I do not know the person contacting me but i suspect its a debt colection agent in representation of a debt collection agency which bought my debt at a lower price than what i owe. Buying debt specially at a fraction of the cost is an illegal act and its usury. I understand that every 7 yeard debt must be discharged and this has not happened. I cant pay that debt since I do not have a job that pays enough to get rid of the debt. I am under XXXX as well since the economy drove me to be on federal aid since there is no job opportunities nearby and im not willing to go out in exile to the usa to work there. I do not earn enough get out. Please make them stop i dont like the harrasment and i was very clear as i am not taking any calls and i am not going to pay the debt because i am broke.

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 04-01-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I filed bankruptcy in 2010, I moved put of the a home that had major sewer issues. I filed that home on my bankruptcy and the mortgage company OCWEN never forclosed on the property.They have my name still attached to the title of the home and are aware that I have filed bankruptcy. I asked them when are they going to file for forclosure the said they do n't know. I asked can my name be removed off they title since its on my bankruptcy they said no. They asked for proof that I surrendered the property I asked what number I should fax it to they gave me a number. I called back again to verify the number and they gave me a different number. They never had one set protocol to handle the situation. They then told me to sell the house its the only way to get my name off the title. I explained I do n't own the home. I have no finanical responsibilty to it. They said yes I do. They told me although I have no fianancial reaponsibilty it is still my house.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Mortgage (FHA mortgage) with U.S. BANCORP (PA).
Issue: Trouble during payment process

Complaint: We received our real estate taxes in the mail over a month ago. We called US Bank and they told us to fax it over, they will pay it out of our escrow account. This morning we received A Notice of Intent to File Tax Claim against us because our mortgage company to this date still has not paid like they promised.

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 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by 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 12/19/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with callss. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We make twice a bi-weekly payment on our Wells Fargo ( WF ) mortgage, a {$1900.00} payment on each payday, so that two payments equals our monthly payment for principal, interest and escrow of {$3900.00}. We " skip '' a payment in three payday months ( typically around XXXX and XXXX as these are near XXXX and XXXX and give us extra spending money ). This has not impacted our meeting our total monthly payment and we have done this since the origination of our mortgage in XX/XX/XXXX. 
Per WF on XX/XX/XXXX, they misapplied one of our XX/XX/XXXX payments, putting it towards principal only and recording in their computer system that we were short a payment since then. Oddly, this did not raise any flags until XX/XX/XXXX, when we began being bombarded with phone calls from XXXX. I XXXX this number, found it showed up on many sites reporting scam robot callers, and did not answer. I did listen to one of the messages, claiming to be from WF about our mortgage, and then went to our online account, saw our payment was showing as past due, and called the WF number from our statement. 
After lengthy discussions with XXXX ( who told us there was nothing WF could do and we would need to make an extra payment to correct WF 's computer error ), I was transferred to the next tier. XXXX ( XXXX ) said WF would need XXXX as the mortgage investor to agree to WF correcting their mistake, and that XXXX may not agree that and my family and I may just be out of luck and forced to make an additional mortgage. That is completely unacceptable. We are now filing a complaint. 
For the period of XX/XX/XXXX - XX/XX/XXXX we have had two payments a month deducted from our credit union account ( per the attached statements ). XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have paid our mortgage. WF 's computer/clerical problem is WF 's problem. We request : Our payments be updated properly to reflect we are current and have been current on our mortgage. 
The late fee applied to our account on XX/XX/XXXX be removed. 
All harassing phone calls stop immediately. 
Confirmation from WF in writing that there no negative reports have been made to any credit repository.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: trans union allowed XXXX aka XXXX XXXX to report a medical collection to me credit file this account was being paid by XXXX and can not legally be reported Tranunion has no right to allow a collection agency to report medical information this in against hippa laws and in violation for the Privacy ACT this account was report with a XXXX balance and needs to be removed.

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 08-10-2015 about Debt collection (I do not know) with Penn Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued robo-calling for someone else. We do not owe the debt for which they are calling. Number calling is XXXX ; last call was at XXXX XXXX XXXX XXXX which is a Sunday.

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