milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (GA).
Issue: Managing the loan or lease

Complaint: My car loan company is automatically ai n't a late fee to my monthly payment saying is just in case i do n't pay on time. However, the amount with the fee shows the amount of my monthly payment. When i asked them if the extra charge goes to my principle when i pay on time, nobody claims to know. So, every month, they ate putting the {$50.00} wherever they choose which is not fair based on the fact that I am paying on time. 
Additionally, I have paid my car note late and there was an additional charge so it 's {$50.00} is the late fee where is there an extra charge over and above the {$50.00} if I pay it late? And when I pay it on time based on the statement I should only be paying {$460.00}.

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 02-11-2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: This company said they will close my account for making to many disputes ; when I first signed up for the account I opted out of overdraft protection ; they closed my checking account and charged my savings account XXXX {$35.00} non sufficient fund fees. I opted out of overdraft protection how can they charge me for closing an account before pending items have not posted tell me to go get my funds out the bank than charge me XXXX fees on top of the item amount and than I spoke with XXXX reps now who said a supervisor will call me back oand never did

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Taking out the loan or lease

Complaint: We have a loan with Springleaf Financial Services Financial Services of XXXX Illiinois at XXXX XXXX XXXX of {$7500.00} at 22 %. The loan was to rehab our house in XXXX, IL. We requested an $ XXXX increase in the loan amount as the labor for the rehab is going to exceed our expectations. Springleaf proposed that they would refinance our car and give us {$2600.00}. We were not denied an increase, but we felt that we did not want to do that as the finance charged at Springleaf are greater than at our XXXX dealer. So, we withdrew out loan request with Springleaf. 

The issue is that we received a Statement of Credit Denial on XXXX XXXX, XXXX based upon a credit report from XXXX different credit agencies. Now our credit score will go down based upon this action, and we are trying to keep our credit up as we are still recovering from the loss of our business during the recent economic depression. 

We called Springleaf this morning ( XXXX XXXX, XXXX ) to tell them that they did not deny our credit, we choose not to accept it. They said there was nothing they could do. We would like this denial taken off our credit report. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have an account with Consumer Portfolio that has been paid since XXXX.2013. The company agreed to remove this account upon me paying it and it still has n't been removed. I would like this account removed it is closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I originally submitted a complain against CitiBank on XXXX/XXXX/16. The case number is XXXX. CitiBank responded to the claim by stating they were sending a check for {$400.00}, the cash equivalent of the points I was owed for a promotion. However, the check never arrived. No one at the CitiBank phone support team was able to help me as they are unaware of the issue. Additionally, the PDF CitiBank attached listed my first name incorrectly as " XXXX '', leading me to believe that if I were to even receive the check, it would possibly be addressed to the wrong person. 

I have still not received the promised compensation as of this new filing.

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 08-03-2015 about Mortgage (Other mortgage) with M&T BANK CORPORATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with M & T Bank and we have been approved for a modification under the HAMP program ; We are grateful for that, however M & T Bank assigns the mortgage to XXXX XXXX XXXX XXXX, and XXXX becomes the servicer of the loan, albeit on a temporary basis. 
Our complaint is that M & T Bank, throughout the HAMP application process and subsequent to successful completion of the HAMP Trial Period Plan, continues to sendout letters and account statements reflecting not only inaccurate financial figures, but also a veritable " blizzard '' of mailings that hit us as very intimidating, alluding to potential foreclosure proceedings. Since M & T Bank has assigned the mortgage to XXXX, they are technically no longer the loan 's servicer, and should not be sending such mailings. 

After much angst caused by the intimidating mailings, calls to XXXX result in our being told to just ignore the M & T Bank mailings, despite that many of the mailings specify that we must respond in writing within a certain time period.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX a charge hit my account from XXXX in the amount of {$10.00}. Within 5 days another charge of {$34.00} was charged to my account as Insufficient funds fee. Then on XX/XX/XXXX, and extend overdraft fee for {$15.00} was charged to my account. I called Chase on XX/XX/XXXX, and asked the to reduce the fee back to the original amount ( {$10.00} ) and I would pay it immediately because I felt it Chase was double dipping on me with the fees. The rep told me that Chase system only allowed them to reimburse me {$4.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Collection company claims to have submitted for removal of account. Then XXXX has it back in the file and neither XXXX or collection company will attempt to remove it again .... 

Account is more than 7 years since last payment. The collection company has used the open date of collection or charge of date as last payment date. 

See attached most recent XXXX report. 

Also attached are copies of my XXXX report showing it was removed as originally agreed/proved it was more than 7 years since last actual payment. Not opening of collection account etc.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In  XX/XX/XXXX  I filed a complaint with Equifax and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This past year I officially changed career fields to follow my passion, going from business to education. Taking advantage of the  XXXX   Grant (  {$8000.00} upfront for school fees in exchange for serving in a high need field in a low income school ) allowed me make this change.     I am now fulfilling the goal of the program working as an  XXXX    XXXX   in a   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX ,  XXXX , MN ). Recently, I received notice that my {$8000.00} grant was turned into a loan that I have to repay because I did not follow their fine print rule of informing them that I am in fact fulfilling the goal of the program. They sent three notices by email that went to my junk mail before I could read them, and then they sent a piece of real mail to my house stating that my grant had been converted. They claim there is nothing I can do to reverse it.     I believe it is unjust that I could so easily be robbed of my grant when I am fulfilling the goal of the program. Additionally, the fact that I did n't receive a paper copy notice until it was too late makes their communication process seem inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I paid additional money over the past few years that was supposed to pay down my principal. Instead, Chase kept the money and called it an " advance payment. " After several complaints they finally applied my payments as principal but they did so effective just this past month, when I actually made the payments years ago. I need them to make the payment effective retroactively and reimburse me for my interest that they overcharged me during the past few years. I am also waiting for a detail of all my payments made. I need the accurate new principal amount made immediately so my arm, which readjusts in XX/XX/XXXX, has the correct new payment, which will be lower than what they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I called Ally at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to Ally Financing That makes it very misleading by Ally to transfer me like that and by North Side Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law

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 01/25/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, request that the following accounts that I mentioned below be incorrectly reported in my credit reports, XXXX XXXX XXXX # XXXX reported as open with loss balance of {$480.00}, XXXX XXXX XXXX # XXXX open collecting a balance in loss be investigated and corrected. of XXXX XXXX balance {$1400.00}, Pr Telephone # XXXX reported open at loss balance of {$520.00} As a result of the investigation made, these incorrect accounts still report my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (NV).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Daughter charged a product with my store credit card issued by Wells Fargo for XXXX in XX/XX/XXXX. I never received a bill via email, regular mail ... ( validation of debt ). I discovered there was a problem in XX/XX/XXXX while reviewing my credit scores. I contacted Wells Fargo immediately and made on phone arrangements to payoff ( and close ) acct. All late fees were waved. 
My acct was sent to an investigator who stated, at the end, they only send bills as a courtesy and since I made the charge, I was responsible. They again charged late fees as the investigation took place. She waved the late charges for the final and third time. 
I have no papers to confirm what wrongs have been committed by the credit card institution against me, which equals = no proof or chance of resolution. In my profession my credit score is used with any and all job applications. All lies, miss leading referrals, promises are unprovable because all contact with these people was by phone. All disputes to credit report agencies are strictly based on documentation. 
The only up shot I have is that my credit score was at one time XXXX and anyone who sees my credit report will automatically see the problem may not lay with me, but in fact the problem lays wth Wells Fargo Bank.

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 01/24/2016 about Credit card () with Continental Finance Company, LLC (NM).
Issue: Identity theft / Fraud / Embezzlement

Complaint: About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either one of these accounts. I called XXXX XXXX XXXX and Continental Financial and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from XXXX XXXX Bank and Continental Financial Company. I am a XXXX veteran and this is aggravating my mental and emotional well-being.

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 11-06-2015 about Debt collection (I do not know) with ERC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are calling for someone that is not me They wo n't stop calling.

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 03/19/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is invalid ... either it was already paid or it is far beyond the statute of limitations and yet they continue to send us letters trying to collect a debt that they are well aware is too old to collect. There is a disclaimer statement in the letter itself, but they are trying to trick us to renew the debt and I still see this letter as unethical and harassing. I have no idea how they even got my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have 3 accounts with capital one. Two accounts have my name on them and the third one has my husband and myself as account holders. Because i have one account in the negative they are freezing my husband account .this account has over 3,000 in federal funds fromFema and a court ordered check from my bankruptcy trustee. We were hit by hurricane Harvey and receive damaged. We need to fix our home and do n't have the funds to do so because capital one has frozen our money. The second account that i have on my name is in the positive but was closed by capital one deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have tried on multiple occasions to dispute incorrect names on my credit report with Experian, however ; they do not permit you to dispute online when names are involved.. To begin, my name is backwards. My correct name is XXXX XXXX XXXX. The following names do not belong to me, I have never been known by them, and some of them belong to family members of mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I had an accident on XX/XX/XXXX that XXXX XXXX XXXX and left me XXXX. I applied to Social Security XXXX insurance and have been denied twice. My lawyer filed an appeal for a court date on XX/XX/XXXX and stated that it could take up to fifteen months to receive this court date. I received a court date of XX/XX/XXXX. Once approved for Social Security XXXX, I will receive {$2300.00} per month. I begin receiving {$2200.00} per month, XX/XX/XXXX, from my military retirement. My wife earns {$2100.00} per month from the XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX I begin to fall behind on y mortgage due to the lack of income. LoanDepot begin to work with us on a loan modification on XX/XX/XXXX. LoanDepot granted me a forbearance that included XX/XX/XXXX to XX/XX/XXXX paying {$1200.00} per month.
LoanDepot has asked for information and we have sent 4 different packages to them at 4 different times. We just sent more information to them on XX/XX/XXXX. XX/XX/XXXX LoanDepot filed to start the foreclosure process. The process will conclude on the XX/XX/XXXX with the sale of my house. I believe we will be able to reinstate the mortgage once I get approved by Social Security Insurance and can pay our mortgage every month on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On checking my XXXX XXXX, XXXX statement, found a purchase charge of XXXX unauthorized by me. Checked other previous statements and also found the same charge going back to XXXX XXXX. Wrote letter to company, XXXX XXXX on XXXX/XXXX/XXXX. 
As there was no answer to my letter, wrote again on XXXX/XXXX/XXXX. 
There was XXXX change, though, in my XXXX statement : no XXXX charge. 

I have to say I made a late payment in XXXX this year. My due date was the XXXX ; I paid on XXXX/XXXX/XXXX. Called the company then, I was given a different date to pay -- the XXXX of the month beginning in XXXX XXXX. I have been charged late fees since then. 
On XXXX XXXX statement shows " available credit '' of XXXX. All other statements show XXXX balance available

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 10-03-2016 about Student loan (Non-federal student loan) with NELNET, INC. (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I enrolled into XXXX institute to take a XXXX program. they promised me job placing and that i will have a great job to pay back student loan. I received a grant of {$9000.00}. when I completed the program, I had to call to ask for my diploma and certificate. They told me they would mail it to me and call me back which I never received either. I now found out the school has been through a lawsuit and has been shut down. and they have over charged me for the program which added up to {$16000.00} and now forced me to be in debt for a scam they did to all students.

Company response to consumer: Closed with explanation