milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Payday loan () with Enova International, Inc. (OH).
Issue: Applied for loan/did not receive money

Complaint: I applied for a loan online. I had used this compan y two years prior,  and I had not realized I had old bank information on the account, so the loan of {$250.00} was sent to a closed account. I realized what happened the next day when the funds were not deposited to my current bank account. I contacted CashNetUSA immediately, and I was told not to worry, the receiving bank would reject the funds, they would get it back, and that loan would be considered null, since I couldn't/did n't receive the funds, and if I wanted the loan still, I would need to apply again after they received the funds back, and I supplied updated bank information. However, the funds were never credited back to my account. I emailed t he payday loan company again, and I was told they never received the money back, so I needed to contact my former bank. I did so, and I spoke with a woman at   XXXX   XXXX   who investigated and told me the funds did attempt to deposit in my old account, but were rejected immediately back to CashNetUSA (   XXXX   XXXX  ). I then emailed this information to CashNetUSA, giving the banker 's name and phone number to verify this. This has been now going on for three weeks, where I continue to receive collection emails, and I continue to answer with the same information. The response I get is that the collections will continue until I pay the money back, ignoring completely that I never received the money, that     XXXX   XXXX   has verified they rejected it back to  CashNetUSA, and apparently CashNetUSA has no intention of tracking down what they did with the funds rejected back to them, but continue to add interest and continue collections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX owns a lot in XXXX on XXXX XXXX and attempted to sell his lot using our office XXXX XXXX XXXX. We opened title at XXXX XXXX in XXXX and the title commitment came back yesterday showing a Lien on the vacant land from XXXX XXXX XXXX which has been bought out by Capital One Bank or Capital One National Bank ( unknown at this time ). We have tried to contact Capital One Bank however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed. My client paid cash for his lot in XX/XX/XXXX and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in XX/XX/XXXX. XXXX XXXX is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the Capital One bank sign a release of lien so my client can close on his vacant lot. XXXX XXXX XXXX Complainant 1 XXXX XXXX Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Problems caused by my funds being low

Complaint: PNC Bank reports to credit bureaus that a checking line of credit is charged off. 
The account was paid in full, and the amount was also disputed from 2013. The account is paid in full, and PNC Bank can no longer report it as charged off, due to the fact that legally the term charged off is an IRS tax reporting issue, and the STATUS is now INCOME, and PNC is required to pay taxes on it. It is no longer charged off and it can not be reported as such to the credit bureaus. When the agreement was made with PNC to pay the DISPUTED amount, in full, PNC made direct promises that the account would be reported to credit bureaus as PAID IN FULL. Legally it is no longer classified as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Credit card) with Second Round Limited Partnership (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR SECOND ROUND SUB LLC or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR SECOND ROUND SUB, LLC., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR SECOND ROUND SUB, LLC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR ONLINE COLLECTIONS INC to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR SECOND ROUND SUB, LLC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Friday XXXX XXXX Credit Acceptace Corp called and left XXXX messages and then called again and talked to me live. Payment came due on XXXX XXXX and is not even late fee until XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: In regards to Experian, I disputed unauthorized hard inquiries that was sent via Certified Mail and Return Receipt on XX/XX/2016. On XX/XX/2016, the letter was delivered and signed for but to date, no response from Experian.

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 09/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I have a Capital One checking and credit card account ( for now ). An autopayment was set up to pay the credit card balance but I wanted to pay the entire balance so I set up a scheduled payment instead. The scheduled payment was enough to pay the balance but ... ..Capital One withdrew the autopayment and the scheduled payment leaving me with a substantial overdraft in my checking and a considerable credit in my credit card account. My concerns here are as follows:1 ) If I were to schedule a payment that was in excess of 10 % of the existing balance Capital One would not allow it so why would they allow a duplicate payment of ~60 % of the balance? 
2 ) Why does it take less than 24 hrs to withdraw my money but 8-60 days depending on which of the XXXX representatives I spoke with to get it back? 
3 ) Why if I overpaid the balance on the credit card would I be assessed an interest fee? While they did eventually credit the account for the interest, it seems like this process is set up to systemically drive unsupported fees. I suspect I am not the only person caught up in this less than scrupulous activity.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NY).
Issue: Settlement process and costs

Complaint: hi my name is XXXX XXXX I 'm running about Td Bank I 've been having a lot of problems with them then I willing to work with me in any way to try to settle the amount however they want me to pay them and I have n't received the bank statements nothing that would help me to see how much I have paid for what I 'm being charged they can be adding anything they want it really stinks because I reached out to their lawyers they were more helpful in the bank every time I call the customer service to telling me that they can help me that I have to call a separate number I call the number I ca n't even get ahold of anybody it 's always the same thing have to call during certain times is very frustrating. I need help why ca n't get amount as to what the are charging me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had a home equity line of credit with XXXX XXXX. After XXXX filed for bankruptcy, my account was transferred to Specialized Loan Servicing ( SLS ). In XXXX 2015, SLS offered me a loan modification with a fixed monthly payment to include principal and interest. I accepted the offer and paid the loan modification fee. Then SLS began sending me a monthly statement showing a monthly payment amount that was much higher than what the loan modification called for. I contacted them and was instructed to pay the agreed upon amount, they said that it was an error in their system and they would correct it. Every month thereafter, I would receive a statement from them for a higher amount. Every month I would call them and they would instruct me to pay the agreed upon amount, which I have. I have always made my payment prior to the due date and have never been late or missed a payment. After many months of this, I finally received a statement for the correct amount, but it indicated that I was a month behind. Again, I called and was told that his is a system error and it would be corrected. It has been over a year and this is still not corrected. In addition, I was issued a XXXX interest statement that is not correct since my payments have n't been credited correctly. I receive phone calls from their collection department almost weekly, and this is bordering on harassment. Again, I have made all of my payments early, have never missed a payment or been late. I 've talked to their customer service department dozens of times and each time I get the same response that they will " open a ticket '' but nothing ever gets done and no one ever fallows up with me as promised. This is the worst customer service that I have ever experienced. Can you please help facilitate this situation.

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 12-11-2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, 2016 California Consumer Protection Agency Dear Manager, I spent {$100.00} to buy a {$100.00} gift card in XXXX XXXX market on XXXX/XXXX/16. But the card never work. Following their instruction, I faxed over the gift card receipt. And they gave me a pin number for activation. But there is no money on the card and I could not used it. It just a barely scam to steal my money. 
I am a senior citizen and my income far below the income level. Your prompt attention to have my money back would be appreciated. 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 11-11-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. XXXX. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had a loan servicer, XXXX, now Navient allow a third party to represent my account with payments, changed address, and phone numbers. In summary I had no control over my account. It was being managed by a family member that I finally took back over after weeks of calling XXXX. During this time and now I have the means to pay and its frustrating that my account was put in forbearance so many times ( which it accrued interest ), as well as not being contacted but the third party about XXXX loans that went late for 90 days ( A huge credit hit! ). I have sent a goodwill letter to have these removed because of all the confusion, but the interest that accrued during these time of forbearance my account was placed, and the general lack of obtaining information from the sole debt holder is troublesome. I have since consolidated my debt with Navient and have my account on Autodraft, but the credit remarks are still there impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Wells Fargo Student Loan reported for 4 years that the amount due monthly on XXXX different loans was : 1. {$11000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
2. {$17000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
3. {$2200.00} per month, paid monthly for 56 months = {$120000.00} Add all these loans the total debt Wells Fargo reported to credit bureaus is {>= $1,000,000} due. 
They have reported this to all XXXX credit bureaus for the past 4 years, causing my debt to income ration to be over 5000 %. Furthermore this is not accurate and there is NO student loan over XXXX dollars, especially not for the XXXX College I attended. I have disputed this inaccuracy for 4 years with the credit bureaus and Wells Fargo ; neither party has corrected the credit file. To add insult to injury XXXX of these loans are not mine, which is proven by the forged Master Promissory Note, and the second Master Promissory Note is not signed, Wells Fargo mailed these documents to me XX/XX/XXXX. 

Throughout the years as I have disputed the accuracy Wells Fargo has changed dates repeatedly and or re-aged the debt. Also on XXXX they deleted the terms but left XXXX and XXXX the same both still reporting over XXXX debt. Or the date updated will change if if they was no actual change to the date. 

XX/XX/XXXX Wells Fargo sent me a XXXX Cancellation of Debt -Decision to Discontinue Collection. However these accounts still show on my credit report. I called them XX/XX/XXXX and requested they delete the accounts now that I have to take the matter up with the IRS, XXXX the account manager refused and said they have been reported correctly, however they did not review all the disputes I have sent over the years. 
This has negatively affected my ability to obtain credit, buy a house and has been very XXXX. I have been forced to pay higher interest rates. Wells Fargo wrote this loan off and I am sure deducted in their business taxes, they should not be allowed to report inaccurate information and now claim double jeopardy by getting a business write off and continue to affect my credit worthiness.

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I got a mortgage through  XXXX .  XXXX  purchased it. In  XXXX , I made a payment via the phone, like I had every other month. A few weeks later, I realized the amount had not been deducted from my bank account. I called to find out why. They did not have record of my payment. I made  two p ayments at that time.     I now have a 30 day late payment on my credit report, and it made m y credit score fa ll by  XXXX  points.     That late payment is literally the only late payment in the entire history of my credit report.

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 02/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: MISCONDUCT IN MORTGAGE SERVICING. Recap of attached letter : On XXXX XXXX, XXXX -- less than ten days after receiving the XXXX payment on a current mortgage with no lates in over ten years -- Ocwen defaulted my mortgage ( loan balance of {$280000.00} / original loan {$480000.00} ) for " insufficient funds '' of {$10.00}. Ocwen sent back the valid un-canceled check dated XXXX XXXX, XXXX ( which it received XXXX XXXX, XXXX ) in the amount of {$2100.00} ( principal and interest of {$2000.00} + {$110.00} late fees ) by taping the check to a letter which falsely stated that a " Notice of Default '' was previously sent -- it was not. This letter crossed in the mail with borrower 's XXXX XXXX, XXXX payment of {$2000.00}, which Ocwen has not credited to the account. Presumably Ocwen will return this check which it received prioir to XXXX XXXX, XXXX as " insufficient funds '' by claiming additional unauthorized late fees and continue the default -- a moving target XXXX. Loan has never been delinquent since XXXX XXXX. Paid to date over {$260000.00} to date in principal and interest. Ocwen falsely represents that the XXXX payment was " denied by the financial instituion '' which is categorically a lie as it was never presented to the issuing bank. Ocwen now demands only certified payments and threatens foreclosure. Most likely will try to extort that I escrow my insurance ( also up to date and paid independently and property taxes also up to date never late in 23 years ). Also guessing that Ocwen falsely reported the default to the XXXX credit bureaus. SHUT THESE CROOKS DOWN.

Company response to consumer: Closed with explanation