milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (IL).
Issue: Problems when you are unable to pay

Complaint: Hello I am a consumer and I am writing in reference to a vehicle I had repossessed by Exeter finance in XX/XX/2016 which i never recieved any documents concerning the repossession because I had moved out of state and was in the hospital for a few m I nths due to a XXXX so when i finally got out a few days later i found out that they came to my sisters house and made a big scene when they repossessed the vehicle embarrassed my family and i had no idea i was in default. The vehicle was sold Unbeknownst to me I havent recieved the amount it was sold for but the value of the car on blue book is between XXXX to XXXX dollars the finance company is still reporting I owe XXXX dollars all though they have sold the account to another collection agency I disputed this with XXXX and they still have not removed this account because it is not accurate and Exeter doesnt own the account anymore and I have never contracted with the agency it was sold to.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Diversified consultant ( bill collector ) calls me and go through the usual acknowledgment process. I tell them I am not interested in taking care of the bill. They would say okay be we are just trying to keep this bill from going on your credit. I told them to let it go on there and they said okay we will remove your number. I have over 7 to 10 blocked numbers from them and the lastest block is from today at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Billing disputes

Complaint: I became XXXX XXXX and make less than XXXX % of the federal poverty level. I contacted Capital One regarding my credit card ending in XXXX and made hardship arrangements where they would stop charging me interest and fees as long as I made {$110.00} a month payments. 

They reneged on this agreement and have been charging me over {$75.00} a month since I began hardship repayment. Because of this, the balance is not getting any lower. I feel I have no choice now but to let the account be written off and pay a reduced amount to the third party collector who purchases the account in the future. I contacted Capital One and they raised the minimum monthly payment and also said they would not stop charging interest. 

Capital One should be reprimanded for unethical collection and repayment schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX sent my bill to Hillcrest collection agency in the amount of {$2700.00} without any bill or notification. XXXX XXXX refused to allow me to cancel services on a house I no longer own. They have sent no bills or notification letters asking for payment. I have on several occasions attempted to contact them to no avail. I have also emailed them to try and resolve this issue. All my calls go to a voice mail and are never answered. This issue has been going on for close to a year now and it has affected my credit to the point where I am unable to get a loan. XXXX XXXX says I owe {$2700.00} for another 5-year contract. I contacted Hillcrest collection agency and explained the issue and I was told that they did n't care even though that this account should n't even exist. I do n't know what else to do to resolve this issue. I just want XXXX to cancel my account and stop causing me and my family problems and I want this removed from my report. XXXX XXXX is a fraud and they should n't be allowed to collect money they are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Vehicle loan or lease (Loan) with Mid-Atlantic Finance Co., Inc. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My account was transferred to another lien holder in  XXXX   2016  without any knowledge of the changes. My last payment was n't processed with my previous lien holder. My account balance is incorrect, I w as two forms of paperwork with different balances. I changed my lien holder for the third time to a bank, my pay off account is different from the amount the previous two lien holder s told me I owed. I can provide proper documents upon request

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX, 2015 I was contacted by RushCard Member Services via email and was notified about changes that were to be made to the system in order to better the service beginning XXXX XXXX, 2015. This was supposed to occur between the hours of XXXX. A short time after XXXX I receive another email stating the changes to be made were taking longer than expected but they 'd have things up and running by XXXX. Closer to XXXX that afternoon ( XXXX XXXX, 2015 ) I try to check my balance on RushCard mobile and Rushcard online it was down. Unbeknownst to me the system was still not working. I then contacted RushCard Member Services and was assured the problem would be fixed with XXXX hours. I then refrained from using my card for the remainder of the day. Today ( XXXX XXXX, 2015 ) At this point I 'm in a panic because my direct deposit is supposed to go through.I try to put money on my bus card using the RushCard, it was declined causing me to panic. Once again, I call RushCard Member Services. After getting hung up on a few times and placed on hold nearly XXXX minutes, I was able to speak to a CSR who then told me there was nothing he could do to rectify the situation. I try to sign into my online account and am unable to do so as well. Today ( XXXX XXXX, 2015 ) I was able to to login to my mobile account but the balance says XXXX dollars. They took the money I did have and my direct deposit was supposed to go through XXXX. I still have no funds and had to call out of work today because I had no money for the bus. It 's going on day 3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV is attempting to levy my bank account on a debt that i have no ideal about. They have added interest, attorney fee to this alleged debt that they have yet to prove and due to the fact that they have not followed proper civil procedures they have obtained a clerical judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently became aware of a loan they received against their equity line in XXXX. The initial loan is listed in the amount of {$50000.00}, in which they used {$25000.00} to pay for repairs on their home they 've lived in since XXXX. The loan was issued with an adjustable interest rate. As of date, they have paid interest on the loan in a sum that is well over the amount of the {$25000.00} they 've used. 

They were solicited by Chase and refinanced their main mortgage in XXXX. My concern is no one advised them to wrap the adjustable equity line with their primary mortgage. I am writing to request your investigation into this matter and to come up with solution to resolve the equity line loan amount by wrapping it into their main mortgage or any other sensible option. I am aware that a refinance may be the solution, however, they are not in a financial position to pay any additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Non-federal student loan) with Lockhart, Morris & Montgomery Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I went to school with XXXX and I leave they say I owe them XXXX I agree to pay then they send me to debt collector lockhart morris and Montgomery now they saying I owe XXXX I paid them XXXX at once and now I owe them XXXX cause I told them am only paying them XXXX now they arrasting me saying they gona sue me and so forth and calling me all z time just for XXXX say they do n't want no payment plans they want the money one time or else I have to pay and extra XXXX what should I do. My email XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I went to our Chase branch at XXXX XXXX XXXX, XXXX XXXX NY to speak to business banker XXXX XXXX to open a business credit card ( Chase Ink+ ) on XXXX XXXX, 2016. XXXX informed us that we were preapproved for the card, and we submitted a written application with XXXX for the credit card with XXXX XXXX ( see " my information '' for uncensored name ) as the applicant. Over the next 3+ weeks we kept on following up with the banker, and was repeatedly told that application was still pending. Finally, we called Chase ourselves, and we were told that no application has ever been received for XXXX XXXX for the Chase Ink+ card. We contacted Chase for an explanation, but they refused to give us an explanation as to why the application was not submitted, or why we were n't told. We wasted tremendous amount of time and effort on this issue and we still do not know why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: When Costco transitioned their relationship from XXXX XXXX to CitiBank Visa they automatically took out credit in my name. I had a Visa account elsewhere and did not want the CitiBank card. So before the transition, I informed Costco, but I still got a card in the mail, so I never activated the account and cut up the card. I do not, and have not ever had any relationship or contract with CitiBank. However, many months later, I got an email about a late balance from them. So, I called and found out that Costco had charged my annual member to the the CitiBank Visa card ( which was NEVER activated ), and for some reason that charge was able to post!?!? 

I called immediately XXXX XXXX ) and CitiBank apologized and forgave the bogus late fees closed the account I never signed up for in the first place... except 2 months later I got another email that I owed them and calling again, they had continued to bill this non-existent account fees despite confirmation of closure. Again, they did forgive the bogus charges. 

I think this is exactly like XXXX XXXX in that my credit was borrowed against without my knowledge or permission based on a previous relationship with an unrelated financial institution. Furthermore, if I take a not-activated credit card and go to the store and swipe it -- obviously it wo n't be charged to the person and wo n't work ... How can a card be charged behind the scenes that is not and was never activated? Then, I only received notice many months after the institutional fraud based on accumulating fees.

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 01/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In the wake of the most recent lawsuits against the lender XXXX and their unethical dealings with their customers/borrowers, I have realized that I have had a similar experience with my own lender ( Fedloan Servicing ). I was assigned Fedloan Servicing/myfedloan.org as my lender who immediately gave me a higher rate than what I had expected but I made do with these payments. However, Their rate/payments have continued to rise based on the default plan I was given. As a former student working XXXX jobs and making under {$30000.00} a year, their payment prices are much too high and so this last year I requested an IBR ( income-based repayment plan ), not once but twice, instead of again use the forbearance that they continually grant. I have submitted numerous web and paper based documents to no response. Upon calling and emailing on their paperless system, I was only given the answers that either " my packet was lost '' ( though reached the destination based on mail tracking ) or that I " must have buried them in paperwork ''. I was later told that I was denied on the first one I applied for based on them lacking paperwork ( that I had submitted but was lost? ). What I am simply asking for are just answers and information as to my IBR status and my eligibility. I thought it beneficial to ask an outside agency if this is something that should take several months or if I should be worried as to how hard this process has been. 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a request for a modification review on XXXX/XXXX/2015. At the time there was a foreclosure sale date set for XXXX/XXXX/2015. I was told that I was in review and they were waiting on a retirement benefit award letter. I was able to provide this to them on XXXX/XXXX/2015. My attorney 's office contact the foreclosure attorney and they advised them that they were going to postpone the sale simply because there was complication with the publication of the sale because of a tax lean, so they reset the sale to XXXX/XXXX/2015. My authorized third party was advised that I was in review and no documents were being requested as on XXXX/XXXX/2015. My attorney 's office contacted the foreclosure attorneys office again on XXXX/XXXX/2015 and they were notified that Ocwen advised them on XXXX to proceed with the sale. No written notification that I was not in review anymore was ever sent out and no reason for denial was ever stated other than impending sale date, when the review started XXXX/XXXX/2015. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX of the many homeowners that has a mortgage through Green Tree Servicing. I filed a loan modification for the XXXX time in XXXX 2014. I was approved and signed a Trial period contract, prior to making my XXXX payment, they called and increased the amount. I was then approved for the modification with a payment of {$850.00}. A month later Green Tree called said they made a error with escrow and increased my payment. Another month has passed and Green Tree is increasing my payment again because of attorney fees incurred during the previous foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: I opened a line of credit in XX/XX/XXXX that was linked to my checking account ( had same account number for the LOC ). My husband filed bankruptcy XXXX, but I did not and I continued to make on time payments for 3 years..until XXXX and the online payment option was no longer available. I called Bank of America to find out why I could not make my XXXX payment on XXXX/XXXX/15 at XXXX and spoke to XXXX, who assigned me a case # XXXX and then spoke to XXXX in the escalation group. He informed me that they charged off the account on XXXX/XXXX/15. I told him that could n't be because I had not even had any late payments in over 3 years, but he said it was because my husband was joint owner of my checking account. I explained that I did not file Chap XXXX and I was primary on the account. I told him I HAD to make my payment and he said there was no way for me to pay it because it was charged off. I said there 's no way with my job that I could have something like that on my credit and he needed to find a way for me to pay them. He insisted that was not possible for me to pay the account and that he GUARANTEED it would not show up on my credit. I pulled a credit report on XXXX/XXXX/15 to find there was " no data '' for XXXX and the remaining months show charged off. I called Bank of America again on XXXX/XXXX/15 at XXXX and spoke to XXXX who said she would take the payment for the total amount and I said I needed to talk to a manager before I did that. She assigned me another case # XXXX and that someone would follow up with me about this. No one has called me or mailed any further information to date ( XXXX/XXXX/15 ). If they were going to charge it off due to my husband 's bankruptcy, I should have had some warning so I could have paid it in full to avoid having a charge off on my credit. If they did n't have to give me notice of this, why did they take nearly three more years of payments after the bankruptcy? If XXXX was willing to take the payment on XXXX, why would XXXX not accept the payment on XXXX? XXXX and this is critical to my job. The way they 've reported this is fraudulent because the loan was charged off before it was late and then I was blocked from paying it until they reported the negative information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Chase Bank XXXX XXXX XXXX ONLINE APPLICATION on XXXX/XXXX/XXXX ; per email response additional information would be requested or additional review was to be completed within 30 days. 

Never received letter of denial or additional review from Chase. 

I called Chase today and after 30 minutes on the phone, I was told that the application based on the fact that no card was issued. They are able to provide additional information since it was already archived. 

I want Chase to reverse the credit report ding since they not meet the timely communication and/or approved my application.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I made payments in the total amount of {$4400.00} that were posted to my BMO Harris Bank credit card account on XXXX XXXX, 2017. This was reflected on my credit card statement dated XXXX XXXX, 2017.
In early XX/XX/XXXX, I received a letter dated XXXX XXXX, 2017, from BMO Harris Bank stating that " we recently became aware of a payment that was applied to your account in error. You will see a debit in the amount of {$3400.00} on your account on XXXX XXXX, 2017. '' Upon receipt of this letter, I immediately contacted them to dispute this reversal of my payment from 4 months prior. They told me that they had no information why this occurred but would investigate it. A week or so later, I received a voicemail saying that they were looking into it, but could n't yet provide me with any additional information. On XXXX XXXX, 2017, I contacted them again. Again, they had no information regarding this payment reversal. My last contact with them was yesterday, XXXX XXXX, 2017, and they are still unable to prove that my payment was not properly made.
BMO Harris Bank made additional errors in opening this credit card account originally, and their customer service trying to resolve these issues has been horrendous. I have been a customer for approximately 20 years, with various checking, business, and credit accounts. I have no faith anymore that this bank is able to properly keep records and will be closing all my bank and credit accounts with them because of these disputes.

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 04/28/2015 about Debt collection (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX to XXXX repeated calls per day even after advising them to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: CONSTANT harassment from Navient regarding a student loan, even though I 'm a cosigner. When I called them today to stop the ridiculous number of phone calls at all hours of the day and night, the representative stated that they have the right to call me XXXX times a day! Not only is this a false statement, this is clearly harrassment! 

I know MANY people have filed complaints with your organization regarding Navient 's harrassing debt collection tactics. They are clearly excessive and abusive! How many more complaints must be filed against them for the CFPB to take action?!

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my mortgage company, but they are not acknowdging payment. My bank ( XXXX ) has verified that Penny Mac received payment on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am writing today in hopes to obtain your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) Between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

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