milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2015 about Debt collection (Federal student loan) with F.H. Cann & Associates, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was in a student loan rehabilitation plan with FH Cann from XXXX 2014 until XXXX 2014. During the loan rehabilitation program FH Cann illegally added excess fees and collection costs to my student loans. FH Cann also did not disloce where my payments were allocated to. FH Cann is engaging in illegal debt collection tactics by adding excessive and illegal fees and collection costs to people who are trying to rehab their student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid this off for a pay to delete. Late payments are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Payday loan () with GVA Holdings, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX 2016 I applied for a personal online loan from Northern Plains Funding. Everything was done online and I was not giving a copy of the contract after it was signed. I was given an user I.D . and password that only seem to work to sign the documents but after that it did not allow me to log back in to print out my payment schedule. My payment was to be {$87.00} per month for 27weeks or pay the full principle of the loan which was {$700.00}. However, they are now withdrawing {$210.00} every two wEEKS FROM MY CHECKING ACCOUNT. This needs to stop. I did not agree to this. I 've called to complain and asked for copies of my contract which they have not provided. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with PENTAGON FEDERAL CREDIT UNION (DE).
Issue: Application, originator, mortgage broker

Complaint: I have applied for a PenFed mortgage the beginning of XXXX 2015. I have sent all information requested, XXXX times. Had a settlement date and time ( was about there ) my attorney called saying it was cancelled, they did not approve me. Found out they wanted same info again that I sent. I have been patient, but now I was threatened they would terminate my loan application if I do not respond within the next business day with info I gave them and my CPA, he said the papers were sent before. Going on 6 months, they will not talk by phone, only e-mail. Claiming they lost my PERSONAL tax papers!! I feel they are drawing this process out to get me to stop the process and give me a hefty bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My SSN, DOB, full address, and potentially DL and credit card numbers were stolen from Equifax via an easily patchable security flaw, along with the information of 143 million other Americans. This is obvious negligence, and no such company should be allowed to conduct such sensitive business in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Bankruptcy

Complaint: Foreclosure, loss of job, bereavement grief. Moved to another state. Bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion has on their my credit report that I have a job stating RETIREMENT/ALIMONY/SSI AS NEW EMPLOYMENT AND i DO NOT WORK I RETIRED IN 2005 AND RECEIVE RETIREMENT PENSION AND SOCIAL SECURITY. THEY REFUSE TO TAKE THIS OFF OF MY CREDIT REPORT AND I WANT TO KNOW WHERE DID THEY GET THIS FRAUDULENT INFORMATION. IT NEEDS TO COME OFF OF MY CREDIT REPORT, I DO NOT HAVE NEW JOB. WHAT DO I DO TO REMOVE 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 06/14/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying for months now to get my credit report because Equifax reports almost everything wrong. There have been deleted items reinserted, XXXX-XXXX accounts from major creditors like XXXX XXXX and XXXX XXXX are n't on my report even though the creditors confirm reporting, and I can no longer dispute collections on my file that have been proven to be in violation of FCRA. I called Equifax about the issue and they are telling me I have to contact some department by mail to update my report address, name, etc. My information has n't changed and on my last report nothing was different so I 'm not seeing why I have to jump through hoops to update a report. I ca n't even access it from their website and the representatives on the phone ca n't pull my report either. Equifax is the worst excuse for a credit reporting agency I have dealt with in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX   XXXX  cell phone customer since late  XXXX  's, they went out of business and when they came back around  XXXX  I returned. I added another line in  XXXX  or  XXXX  maybe earlier had no problems while I lived abroad. When I arrived in  XXXX  and provided the phone to my aunt around  XXXX , I continuously experienced disconnects to my second line and while I was always able to have the line reinstated without incident the issues continued as well in that to my dismay, I discovered the " hard '' way that they changed their original agreement that listed minutes were to " rollover '' so I lost over  a thousand minut es on the second line. I was offered to disconnect services since I continued to have problems with their services and that I had not been on contract for several years. Both lines were disconnected by representative with a balance of $  XXXX  due to a " reconnect '' fee ( I disputed ) that was promised to be credited to account. I received a {$170.00} bill about 3 months later and when I inquired about this amount, I was informed that the second line was still under contract. I spent " innumerable '' hours speaking to agents concerning " notes '' on my accounts but to no avail. I contacted FCC and did not get results. I joined a class action lawsuit against  XXXX   XXXX   XXXX  for overcharge of service fees and received a small check via which I believe that my monies for my " overages '' were possibly deducted from my check!  XXXX   XXXX   XXXX  has listed this debt for the year  XXXX  when the account was closed in  XXXX ! I have had a similar incident with  XXXX   XXXX   XXXX  in  XXXX  via which I had business set up in my office building and my son had a  XXXX  which forced us to relocate to our home in   XXXX   for treatment and while  XXXX   XXXX   XXXX  promised to clear the slate ( never had services set up ) I had to obtain legal representation to remove bill because there were no " notes '' to verify conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with URS Holding, LLC (NM).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Alltran Financial, based in XXXX/XXXX, TX continues to call me and my minor child on her telephone number ( listed in complaint ) as well as on my number XXXX. The numbers the individual calls from are XXXX, XXXX, and XXXX. I believe her name is XXXX XXXX? It 's hard to discern. Regardless, I have spoken with her and she refuses to provide any information about why she is calling unless I will provide personal information, such as the last 4 of my social security number. Given that I am not aware of any outstanding debts and also because I am a recent victim of identity theft ( in process of reporting and trying to sort through it all ), I am not about to provide anyone with anything. I have no way of knowing if this is a legitimate company or a legitimate attempt to collect a debt, especially because I should not have any. I have been working with XXXX and the credit card companies the identity thief took accounts out with, so I should have no outstanding issues. I have received no written communications from this company. I have received at LEAST two calls a day from this company for several weeks and my daughter receives at least one call a day. I let the individual know that she MUST stop contacting my daughter but she refused to allow me to speak, simply repeating over and over that I must give her my information. This is unacceptable and I respectfully request your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: I received documentation from NationStar Mortgage, dated XXXX XXXX, 2015, however, the package that was sent to me with the XXXX/XXXX/15 date was NOT delivered to me by XXXX until XXXX/XXXX/15. Ironically, the information sent to me by Nationastar was also requesting that I have the information signed and notarized and returned to them by XXXX/XXXX/15, the exact same day it was delivered to me. There was also information in the package indicating I requested a Recast/Amoritization loan and I have no knowledge of this request or the understanding of this loan program. I was approved for a Principal Reduction through the Keep Your Home California Program ( KYHC ) for a principal reduction and they paid {$51000.00} to Nationstar on XXXX XXXX, 2015. I contacted Nationstar about a week or so after the payment was made on XXXX XXXX, to ask them the status of my Principal Reduction. I was told information was being sent out. My concern is the same thing happened to me when this company purchased my loan from XXXX XXXX XXXX, they indicated I was sent information on XXXX day, however, it was never received or when it was received it was NOT in a timely manner or on which the date the letter was address and when they said they sent it. I am NOT refusing the Program approved for me by the XXXX, I am asking Nationstar to first resend the information using the correct date and time frame it is being sent, NOT TWO WEEKS after dating the letter. I also asked where was the monies applied that was received by the XXXX on behalf of me because in the documentation it indicated where about {$40000.00} was applied but not the remaining balance of the {$51000.00}. I also asked them to explain how is this HFA agency related to this loan, the party they are describing that helped in their documentation and finally, please explain to me what is the Recast/Amoritization Program, because I would be signing something that I have NO knowledge of what I would be signing, how it affects my loan and what if any are the advantages or disadvantages of this program and what will my interest rate be? Will my interest rate remain at the 2 % that they indicated in the documentation and is the same as my previous loan modification? Because, although the 2 % was indicated in the documentation that it would remain the same 2 %, in the documentation they also gave me a lowered loan payment, on what my new loan payment would decrease to, but I did n't get an exact amount because it stated that this amount does NOT include insurance and taxes. I am willing to give Nationstar time to respond to my letter sent to them on XXXX XXXX, 2015 and I did make a call this morning to Nationstar and spoke with a XXXX about my concerns and she did send an email to the department handling the loan and said she is waiting on a response from that department and would get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a {$340.00} reported XXXX XXXX ) by transunion on my credit report. This is wrong, i dont know what this is about and it is reported as derogatory XXXX on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am trying to pay my un-subsidized portion of my student loan off. It is with AES and I can not get a straight answer on how to go about this. I was told I had to mail a check to the lender at a specific address, but then I was told that I should not have sent it to that address. I can not get a direct answer on how to make any extra principle monthly payments and have even been told that this is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My father whom is XXXX, has an auto lease with Honda Financial Services that is coming to an end and wants to pay off the car to keep it. He was instructed in their XXXX that he can do the pay off at a Honda car dealership. The payoff amount is {$13000.00} which includes sales taxes and any possible fees. 
I arrived at the dealership in the middle of the transaction where they were charging the payoff amount of {$13000.00}, sales taxes of {$910.00} ( which is already in the payoff, ) dealer fee of {$790.00} and title registration of {$490.00} - for a car that already has a registration. Fortunately, we were able to stop the transaction. 
In addition to elderly abuse, this is clear deceptive, unfair and fraudulent practices of Honda Financial Services and their dealerships. I contacted their XXXX line and the representative mentioned that this is normal practice and the fees are " customary. '' The dealership is XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CT).
Issue: Credit decision / Underwriting

Complaint: We are refinancing our mortgage through XXXX XXXX XXXX XXXX XXXX. We were pre-approved by Freedom Mortgage company for {$160000.00}. pending our appraisal. We were given an FHA certified appraiser from XXXX XXXX ( through XXXX ). The appraisal came back at {$190000.00}. which was only {$5000.00} shy of what we needed. So the broker ( XXXX XXXX ) revised the loan request accordingly. We were just waiting for the approval of the underwriter. The underwriter requested that some comments be added to the appraisal so the broker sent it to the appraisal company for adjustments. 
we received our updated appraisal to find out it was decreased by {$10000.00} to {$180000.00} due to one added comparative property. We feel we are being undervalued and are not being treated fairly. This refinance has been taking a month and estimates just keep changing. We believe a decrease of that amount for one comparative property is unjust. The FHA approved appraiser 's first opinionated value should not be able to be overridden in that way. We have been paying our mortgage for 14 years and have refinanced in the past without problems of this nature. XXXX XXXX XXXX XXXX XXXX has been great every step of the way and believe we deserve a fair experience.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are discrepancies in the amounts I owe on credit cards and the XXXX XXXX XXXX has been paid off. I have tried to file a dispute online but will not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Maury Cobb, Attorney at Law, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THE EMAIL BELOW IS XXXX OF XXXX THAT I HAVE SENT TO THE PERSON THAT HELPED ME AT MAURY COBB AND ASSOCIATES , LLC ( XXXX XXXX XXXX XXXX , XXXX XXXX , AL XXXX - XXXX - HER NAME IS XXXX XXXX ) I HAVE SENT AN INCREDIBLE AMOUNT OF EMAILS AND TO THIS DAY, I HAVE GOTTEN NOTHING BUT THE RUN AROUND. THIS HAS ADVERSLY IMPACTED MY CREDIT AND THIS COMPNAY HAS TOTALLY MIS-REPRESENTED THEMSELVES. 

This email is in response to my verbal debt settlement agreement for a XXXX account made between us both on XXXX/XXXX/16. I appreciate that your company was willing to work with me in settling this debt showing up on my credit report. The sole purpose of my verbal agreement with you was to settle on an amount ( {$200.00} ) and get the listing removed from my credit report. I made sure to ask you several times if the letter that you would send me would state that the amount was settled, and most importantly, that the letter would be submitted to all XXXX credit bureaus asking them to remove it from my credit report. We spoke on Friday XXXX/XXXX/16, and you mentioned to me that the letter that I just described would be sent to me the following Monday XXXX/XXXX/16. I never received your promised letter. You had also confirmed to me that the account that still continues showing on the collections section of my credit report was to be removed within 10 calendar days from the receipt of payment on XXXX/XXXX/16. That has yet to happen. 

I am sending you this email now to once again request that you send me the promised letter before the end of this business week, and that you co-ordinate with the credit bureaus and eliminate all the negative markings related to this account. This is urgent for me since I am working on rebuilding my credit as quickly and effectively as possible. I am going through a divorce at the moment and trying to re-establish myself and my credit as a single mother so that I can qualify in short order to buy a home for my children and I. That is my personal motivation that is driving me to urgently get this account removed from my records. I need to bring up my credit score to qualify for the purchase of a home for my kids, and unfortunately, this was an account that my soon to be ex-husband had under my name that of course, he closed without paying. 

XXXX XXXX, you were very kind over the phone when we spoke and I am asking you once again to keep through on your word and speak to your managers to quickly send me the letter that I urgently need to show that this account will be removed from my credit report with all XXXX bureaus, and to also submit that letter and request to the XXXX credit agencies so this can be removed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX/XXXX/XXXX My checking account with Navy Federal Credit Union was negative {$89.00} and I had several transactions pending, which I knew would cause several overdraft fees if left as is. That day, I checked my account balance several times throughout the day to make sure the pending transactions were not yet released. So that evening around XXXX I believe I made a CASH deposit of {$90.00} via branch ATM and I was then at a positive balance of XXXX cents. I have the receipt to prove it. Next day I check my account and find they XXXX hit my account for {$60.00} in overdrafts, with additional overdrafts to come due to the negative balance now. Cash deposits are instantly credited, and I had the money in before the pending transactions cleared. The bank simply blew me off, stating the transactions had already processed but I dispute this and my receipt is proof. And the fact it was a Monday, I know nothing happened over the weekend. I also made a deposit with a negative balance and have that receipt as well to prove what it looks like to deposit to an already overdrawn account, as they tried to say it was the first time around. I spoke to the branch XXXX I think her name was XXXX XXXX. And she could n't explain why my receipt shows a positive balance before and after cash deposit, when their argument was the overdrafts were already assessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My principal on my house went up by XXXX since my last payment of XXXX. I have had no late payments for over two years. How could the principal go up when I am paying over the minimum due?

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 02-02-2018 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: After having a XXXX, XXXX  related expenses skyrocketed. I can not afford to make the payment amount that they proposed. They would not defer the loan.  If I could defer the loan, my wife is working on getting a better job and we could make payments later this year.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We recently added land line service to our home. We got a phone number, roughly 3 months ago. Apparently, the previous owner of the phone number, who we do not know or have any idea who they are, owes de bt. One particu lar agency calls everyday. Both myself and my husband have returned the call to tell them we only just got the number. And no idea who they are trying to reach. They say they will remove number but continue to call.   They leave message to call  XXXX  right away, but caller ID shows number as  XXXX  and unknown name.

Company response to consumer: Closed with non-monetary relief