milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My current mortgage is Nationstar. I fell behind on my payments and started bankruptcy in XXXX after reduction in hours at work. In XXXX XXXX I defaulted again w Nationstar and my bankruptcy case was dismissed. Since this in XXXX XXXX when it was dismissed I have tried to do loan modification. After filing all the forms they requested they kept making excuses that my paystubs could n't be read. To resubmit this and call back next week. End of XXXX XXXX I still had not gotten anywhere because they were still not happy with my paystubs and trying to read them even after explaining paystubs work days and check amt. I hired a company to modify loan for me. Again they made me resubmit all the packet since they no longer had my paper work. Again complete paperwork requested was submitted last Fri they are requesting wages for a week in XXXX I did n't work. They also requested I resubmit their tax document form XXXX XXXX current date and not the date of when I first filed in XXXX XXXX. In the meantime they somehow put a for sale date on my home for next week XXXX XXXX and failed to inform me. I have to resort to spending another XXXX to file bankruptcy again. The balance on my loan? {$14000.00} The company I hired has worked w them in the past and the person helping me directly says they are clearly trying to keep the home that he has never encountered such trickery.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

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 10-06-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I paid my loan and they still have other ones on my report that I have no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has been allocating my auto-payment incorrectly- skipping payments on the Principal for XXXX loan with the highest interest rate every month. Also in payments made by mail with specific instructions on a separate letter in the same envelope, they have failed to allocate the payment according to the instructions, which were to apply the full amount of the loan to the Principal only of a certain loan. They took part of the payment toward the interest. Navient also makes it exceedingly difficult to gain information or support for paying the loans in the fastest and most efficient way possible. There is no way to allocate extra payments online to only the Principal, no way to increase the amount of auto-payment, etc. I am highly dissatisfied at the service for taking advantage of me as a student who needed to take out loans in order to pay for education- they are irresponsibly handling payments and making people suffer / pay more than is necessary, and hold people in debt for longer than is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I am being charged XXXX from Kia. It was never brought to my attention disposition fee to turn it in and a sales tax of XXXX. They say it was in the lease but i would not have bought it if I knew. They say if I lease of buy another car from them it will be waived, I am now XXXX and can not buy another car. Plus m6 car was XXXX miles under the lease agreement but they wont give me anyth8ng for that. Not fair. I can not afford to pay this. I spoke with the finance end of it and they said n9 way 8 have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: I 'm filing a complaint against XXXX for predatory lending practices. I was approved for a loan to finance the remaining amount due for a lease buyout. Then I get a message saying they ca n't get me the loan because I no longer reside in the state in which the car is housed, registered and driven ( by my mother ). That fact is fine, but why run my credit and go through the whole process that took 3 weeks if you knew that it was n't going to work? Why tell me that I was approved? Negligence and incompetence. 

Then I was told that I needed my mother to be on the loan application. Fine. I told them that my mother does n't speak English well. They called her and completed the application. Then I find out from her we were approved and that I have to sign papers. What the XXXX is going on? I 'm the primary borrower and NO ONE spoke to me about the different loan options. NO ONE talked to me about terms. And they " finalize '' a loan with the secondary borrower that does n't speak English well, is XXXX and does n't understand credit. I work in XXXX. This is unacceptable and CRIMINAL. 

The person below is who responded to my first complaint and is responsible for setting this new process in motion. 

XXXX XXXX Floor Supervisor XXXX, powered by Ally O : XXXX F : XXXX XXXXXXXXXXXX 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 07-10-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Chex Systems , Inc., is giving financial institutions secret reports and informing financial institutions not to open up a checking account for me due to me having previously reported fraudulent checking accounts from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX listed on my consumer report and upon sending a police report and proper documentation, the fraudulent checking accounts was removed from my Chex System Consumer Report. But Chex Systems is secretly informing banks and financial institutions not to open up a checking account for me due to the previously fraudulent checking accounts listed on my consumer report, even though Chex Systems sent me a copy of my consumer report with no negative information reported on my consumer report and informed me, I should n't have a problem opening up a checking account. A few days ago, I went to XXXX XXXX and XXXX XXXX XXXX and was informed by representatives from both banks, that they could n't open up a checking account for me because because the inquiry they got from Chex Systems, informed them not to open up a checking account for me due to previously fraudulent checking accounts listed on and removed from my consumer report. Furthermore, Chex Systems is reporting my physical and mailing addresses as errors and non-existent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Problem with the payoff process at the end of the loan

Complaint: I have attempted to resolve this matter with this company several times. My car was hit in front of my house and it was a total loss. The car was paid off by the other party who hit my car and I also had insurance on the loan so when everything was finalized the loan should have been paid off in full and I was told that it was. I continued to receive a demand for payment and I do not owe this company. I have asked for a full accounting of the loan and how the loan was processed after the accident and they have failed to provide that to me but they want me to pay them something I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Can't stop charges to bank account

Complaint: ACE CASH EXPRESS WONT STOP HARRASSING ME AND KEEPS MAKING THREATS TO PLACE ME UNDER ARREST. I TOLD THEM I LOST MY JOB AND COULD NOT PAY OFF THE LOAN, I ALSO ASKED IF I COULD MAKE PAYMENTS, AND THEY SAID NO, AND TOLD ME TO GO GET A JOB AT XXXX OR ELSE THEY WILL PRESS FELONY CHARGES AGAINST ME. MY BANK WAS WITH XXXX XXXX, WHEN I HAD MY ACCOUNT OPEN, I ASKED THEM TO DIFFER A PAYMENT OR FOR AN EXTENTION AND THEY REFUSED AND KEPT CHARGING MY ACCOUNT UNTIL I WAS FORCED TO CLOSE MY ACCOUNT BECAUSE OF NSF FEES. I HAVE NO IDEA WHAT TO DO. PLEASE HELP!

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 05-01-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This complaint is against the company  " Commonwealth Financial ''.      Currently, they are reporting that I owe them a total of {$760.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. I did not know this was even on my credit until I checked my report recently and I discovered that they were reporting this.     Are n't collection companies supposed to send me a notice of a right to dispute a debt before they place it on my credit?     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, this is the account number from my report : "  XXXX  '' My report indicates that the account has an " open date '' of  XXXX   2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.

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 07/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Credit card protection / Debt protection

Complaint: I purchased a defective product from a company and Bank of America, my credit card company, requested unduly burdensome and impossible-to-obtain proof for me to prove my claim. They failed to protect me from a merchant who is deliberately not supporting their defective product, despite my never being late on a single payment in my 12 or so years as a cardholder.

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 11-06-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Transaction issue

Complaint: Discover Cards claims on all of its advertisements, promotional brochures and legal documents it does not charge ANY foreign currency fees on foreign currency transactions. However, Discover Cards does willfully and knowingly, with deceit and intent to defraud, reduce the exchange rate on all purchases in foreign currency and other transactions by exactly three percent when calculating the exchange rate on ALL foreign currency transactions. Yet, Discover Cards, refuses to admit it is defrauding consumers with false and misleading statements, advertising and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Medical debt) with AmeriCollect (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt is originally from XXXX healthcare. I have asked before healthcare multiple times to correctly verify the debt. I sent them a bulleted list of the information I need to validate the debt I wanted the payments made as well as each charge. They refused to do it. All they will do is send me statements with the balances. So it got sent to XXXX XXXX and they did not correctly validated either so they removed it. Now it is with Americollect. I sent them a letter stating that I need them to validate the debt and a bulleted list telling what I need according to the fair credit reporting act. They sent me back a letter it was actually very snotty basically saying we already validated which they had not. Maybe they were referring to when XXXX did it but again, XXXX never fully did. So, I had one account with this medical facility. They report each and every visit as a separate item on the collection records to make it look worse on your reports. I had one account. One billing account. They break it down just to get you even worse. They think that they can keep sending it to all these credit companies but again, no one has fully validated the debt. It doesnt matter how many collection agencies they send it to you I have a right to see the charges, dispute charges, compare to my insurance, etc. I also have a right to see each and every payment. They seem to think theyre above the law and refuse to give me that information. They want to just send me blanket statements and not actually address what I have asked of them. I have documentation of every letter I have sent and the bottom line is they are breaking the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Resolved a debt with origianal creditor payment confirmation # XXXX and was told that the debt was closed and returned and the original creditor also used the words released constantly reassuring me that the collection agency should no longer be reporting anything as they have regained the responsibility through payment, pulled my reports today and the account is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit card () with DISCOVER BANK (NV).
Issue: Advertising and marketing

Complaint: I would like CFPB to continue pursuing the case ( Case number XXXX ) on my behalf with Discover. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Zwicker and Associates did not follow the proper procedures before placing the garnishment on my checking account and they refuse to allow me to remedy the situation. I called several times to try to come to a settlement or set up payment arrangements, to no avail. I should have had notice of the garnishment and judgment filed against me, but I did not. 

I was never notified of the garnishment by this agency. Instead, I was taken by surprise when I tried to access my accounts at my bank. I was originally summoned to appear in court in XXXX 2016. However, I was not able to appear in court because of recently having had a baby XXXX the week before. 

This agency has refused to allow me to make payment arrangements and as a result, the judgment and the surprise of this garnishment places an undue burden on my household and puts my job at risk. I have XXXX children, have to pay daycare, and most importantly - I have to keep my job so I can pay rent. I am experiencing financial hardship as a result of this garnishment and this agency refuses to show remorse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Skopos Financial, LLC (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Ive disputed this item through all three major credit bureaus and also filed a cfpb complaint and to no avail the company didnt respond in the timely matter. Its been over 30 days and by law they are required to remove the item from my credit report due to the lack of time of response. If we cant get this resolve I will be filing a lawsuit for violating my consumer rights per FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a modification from Ocwen Loan with no success. 
This has been going on for years. Now they told me they were giving me a modification. I did everything they asked me to do. Now they just denied me again for some bogus reason. They stated that my income is not enough. This is a XXXX account. My mortgage was sold so many times without my knowledge. Many of my payments did not get reported. Now they created a balance that I do n't owe This is a NIGHTMARE. Ocwen said that the LENDER IS XXXX Bank. XXXX Bank is not on my PROMISARY NOTE!!! OCWEN IS NOT ON MY PROMISARY NOTE EITHER!! THEY ARE TRYING TO STEAL MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with National Credit Systems,Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was in the process of a XXXX modificiation due to a financial struggle. I am currently XXXX payments delinquent, with an additional payment due before XXXX XXXX 2016. Once three months behind, the company will begin foreclosure proceedings. I made a payment via XXXX on Monday XXXX/XXXX/2016 that equaled an entire monthly mortgage payment. The mortgage company refuses to accept this, stating that they will only accept XXXX full months payments. Since then, they have also denied my XXXX loan modificiation, for reasons that they have yet to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Wells Fargo some time in XXXX and was offered cheaper and more convenient insurance which would be taken out with my monthly payment. I thought it was a great idea until I discovered I was lied to and this insurance only covered the bank. The policy started XXXX/XXXX/XXXX which covered XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$910.00} which they debited unknowingly to me on XXXX/XXXX/XXXX. After 3 months they increased my monthy payment from XXXX to XXXX for 10 months which I believed to be correct. ( Not knowing they also debited {$910.00} ) After I discovered they lied to me about being covered they debited another {$840.00} on XXXX/XXXX/XXXX ( again without my knowledge ) for XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I found alternate insurance from an honest company which went into effect on XXXX/XXXX/XXXX. Wells Fargo correctly credited me {$510.00} for the remainder. However, they now increased my payment again to XXXX without an explanation. On XXXX/XXXX/XXXX I requested a refund for XXXX plus {$66.00} XXXX XXXX XXXX XXXX XXXX ... they denied the request. I do n't know where else to turn after being lied to so many times prior. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a PNC checking account ( performance select account number XXXX ) on XXXX XXXX 2016 in a local branch with a workplace promotion of {$400.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent Experian 3 seperate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccuratly, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Experian claims to have " verified with creditor '' and I believe this to be false. How can Experian verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Experian to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you** Please see the last page on our credit report we have attached, It shows the address listed for XXXX XXXX and also see the returned letter sent to that address**

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief