milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Hello. 

In brief, I have been a loyal Capital One CC holder for many years. I have XXXX cards with them and never missed a payment once. 

About XXXX years I downloaded their app and engaged the auto-payment feature. During XXXX and XXXX of XXXX it came to my attention that I had missed XXXX payments on of the cards. XXXX because I was n't even alerted to the first. This was impossible as I was enrolled in auto-pay. 

I learned that my interest increased by {$1.00}. That 's right {$1.00} and because of that my minimum increased by {$1.00}. The autopay did not account for that. Therefore, because I did n't pay the new minimum due-I was late! 

After researching this I found that this auto-pay feature is deceptive, not easy to use if you are n't told in detail how it works, and that many on time paying customers also have had damage to their flawless payment history due to this deceptive feature. 

I am intelligent person. I am a loyal customer and I pay all my bills on time. The damage this has caused to my credit was severe. All for a {$1.00}. And most importantly because they designed this feature to be deceptive and to their benefit. How much money did they make off defaulting people 's interest rates to max because of this shady feature? Millions I 'm assuming. 

What 's worse is that they have admitted that the feature is in fact confusing and that they had to deal with many calls such as mine-but there 's nothing they can do. Which is a lie. 

I truly feel like they are getting away with fraud to a degree. At least some form of profitting from taking advantage on their customers. I hate to use this term but it 's not fair. 

Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Account is on a reoccurring online payment plan, for repayment of a simple interest mortgage. Account is due on   XXXX   of each month.  Servicer sh ows that the payment is made on time and credits account with the amount due.   Servicer continues to collect interest in their favor until they receive the monies from my bank. Servicer does not honor the " mailbox rule '' as they do not have local offices.
Servicer was sent a lette  r requesting an audit and correction of the account. The sent response letter stating the matter would be investigated and concluded by  XXXX  but as of this date they have not responded to the request for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: a XXXX account was turned over to midland funding llc i called midland funding numerous times requesting a settlement amount they never returned my calls instead they turned it over to collections attroneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX file # XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Loancare, purchased my loan from XXXX. My XXXX monthly payment went up {$400.00}. When I called Loancare, I was told that an escrow analysis was conducted in XXXX of XXXX. At that time it was determined that there was an escrow deficit in excess of {$3000.00}, which is beyond the normal course of affairs. Neither my taxes nor home insurance went up enough to cause that kind of deficit. I first called Loancare and emailed them with my issue on XXXX XXXX, requesting a full escrow history analysis. In the intervening time, I have been promised on XXXX occasions that a supervisor would be in touch that day or the next day, only to have that not occur. For two weeks, it was impossible to stay on the line and wait for an agent -- XXXX had to opt for a call back, which made it difficult to communicate with Loancare. Between XXXX XXXX and now, I have had the following information given to me agents/supervisors only to have the next XXXX refuse to acknowledge and confirm what was said : 1 ) XXXX agent, looking into the matter, indicated that it seemed that when my loan was purchased incomplete escrow monies came over and escrow monies were erroneously applied to principle ; 2 ) I had a supervisor last weekend explain that every payment I have made is being manually readjusted ( even dating back to XXXX before Loancare bought the loan ) -- the following agents have refused to confirm this ; 3 ) I was promised that the situation would be escalated to upper management and that I would be receiving a phone call on XX/XX/XXXX. That day has come and gone, as is par for the course with Loancare and how it seems to do business.

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 12-04-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: im write for someone to help me with my mortgage i been fight with my mortgage company for over1 yaer .im doing a loan modification i send all my document i will call to check on my documents they will say call back in 2 to 3 day they to be scan in I call to speak to my relationship manage the number allways busy .call to speak to someone in customer service they tell me to send the same documents i just send.NOW WE ARE WITH A DIFFERENT MORTGAGE PLEASE HELP ME!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Non-federal student loan) with The CBE Group, Inc. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had a phone number call me 3-4x/day the past 2 weeks who is trying to collect a student loan debt from XXXX College . 

I answered once and explained to him that if we could consolidate the loans I would be more then happy to start paying them but he said they ca n't do that and that they will continue to call me then hung up the phone! 

I understand they are able to call me but 3-4x/day really?? 
They call around XXXX-XXXX. Once around XXXX, Once XXXX-XXXX then normally between XXXX-XXXX Example : XX/XX/2016 XXXX - XXXX calls XXXX - XXXX calls XXXX - XXXX calls again! 
HOLD ON NOT DONE YET! 
XXXX - XXXX CALLS AGAIN!!! -- excuse you my time is just as valuable as yours there is no need for you to call me this often. 

if you are a debt collector out there I want to give you a word of advice, if you call someone this often I am extremely frustrated right now to when I do answer that phone call wo n't be a pleasant conversation

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Improper use of your report

Complaint: My application for pre-approval was beginning but permission was not given to move forward with the process as the property in question was taken off the market. I called the loan broker and stop the application process before it was to be looked at. The loan broker from Wells Fargo proceed without my written permission or orally expressing my consent.

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 06/24/2016 about Consumer Loan (Installment loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: Entered into a car title loan with Wilshire consumer credit. At one point I knew I would fall behind on payments before the payment was late I contacted Wilshire Consumer to ask for a payment arrangement or deferment. The said XXXX no this is a car tile loan and we can repo your car after XXXX day late. I called back a couple of days later explained I could not make the payment and they said that I should have called before I was late to make arrangements. I told them I did. The employee was so rude, threatened to repossess the car, called me ignorant and was actually yelling and talking over me. Days later they repossessed my car. They made me pay about {$1000.00} to get it back and I got it back. Before I made the payments to get the car back I asked them if they would be able to defer my next payment so I could catch up. They agreed and send me an extension agreement stating that my next payment was due XXXX XXXX. The contract was signed by myself and by Wilshire. When I called them to confirm the deferment they said that they messed up on the paperwork and that my actual payment is due XXXX XXXX intead of XXXX. I told them that that 's not what the agreement says. Now they are calling harassing me, threatening to repo my car again and they will never let me speak to a supervisor. They call me a loser, Scream and yell, hang up and lie about the supervisors. The few times I have spoken to a supervisor they contradict what the employees say. I have paid them over {$3000.00} and I only borrowed {$2500.00}. They are constantly calling threatening me and say that my extension was not approved. I have documentation showing the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Settlement process and costs

Complaint: See CFB case XXXX, this is twice they have closed this with the same resolution. unable to contact us, funny guys Wells Fargo, I now have close to 60 letters from them and get at a minimum 2 calls a week from them, so you just take what they say for their word. 
All of this in 6 months, they last claimed they have only been working this since XX/XX/XXXX and I have letters from XX/XX/XXXX and XX/XX/XXXX from them on file, they are liars and you Consumer Protection Agency are taking their side on this, look they have given the same resolution to this twice XXXX .... 


I can provide you a detailed log on Call 's received and letters received from Wells Fargo, this should be XXXX ... 

Reopen case ... if you want the proof ask me ...

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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I obtained a credit report from all 3 credit Bureaus and seen a negative item reported by Kohl 's on XX/XX/XXXX. The negative item is a 30 day late payment. I have been a loyal customer of Kohl 's since XX/XX/XXXX and Never missed a payment. I have attempted to fix this with Kohl 's, but still appears on my credit reports affecting my fico scores across the board. I have asked Kohl 's to re check the History. The history shows I have been a very responsible customer paying on time. I have asked Kohl 's as a goodwill to please remove this negative report as it is damaging my consumer report and I am unable to get a good mortgage lender to give me a good rate. Mortgage lenders pointed out the fact of this Kohls negative mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (IN).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX XXXX, 2017 a loan of {$400.00} was established. The interest rate being 347.69 % with a finance charge being {$57.00}. Within a week, XXXX XXXX XXXX contacted me about the way Advance America conducts their payday loans. Upon further investigation, I was able to ascertain the basis that Advance America was in fact violating the Indiana Statue governing the way payday loan companies are to conduct themselves. The maximum finance rate and fees allowed by Indiana law on a loan of {$400.00} is 13 %. This is not the case in the existing loan. The rates in this loan are beyond 13 % which if that is true, it 's more than the maximum finance rates and fees allowed in the State of Indiana Statute 24-4-4.5-7-101 et seq. Advance America is committing fraud which is unethical and has chose to violate the Indiana rules of law are required for payday loans to abide by. This action is the intended action the Indiana Statute is intended to avoid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted all of the companies that had an inquiry on my report as I did not initiate these and they told me I would have to dispute with the credit bureau. So I called the credit bureau Equifax and they told me I would have to call the company to dispute. I feel as though both companies are just passing the buck to one another. I asked the credit bureau where is the validation proof of my signature that I initiated these inquires and they have failed to provide any as well as the companies have failed to provide this as well. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter which was sent on XX/XX/XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our home loan was sold to a company called Seterus. It has been over XXXX months and I have not been allowed to speak to anyone about my loan and it has been nearly impossible to make a payment. We are in bankruptcy and they said they would need a letter from my attorney authorizing them to speak to me about my loan. That letter has been provided XXXX times to them. I then received a letter from my home insurance company ( XXXX ) stating that the insurance escrow had not been paid to them. I have spent countless hours trying to speak to Seterus and they continue to tell me that they can not speak to me. My home is on the verge of being uninsured and I am at wits end. In order to pay my house payment I finally had to go to the bank and get a pre-paid bank check to send to them. I am very frustrated and do n't know how to move forward with Seterus. Any help you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello Beginning XXXX XXXX I disputed an amount on my credit report that was not owed. The attorney continued to call and Harass me about this amount of {$2100.00}. I explained I did not owe that amount. They refused to listen to me. 

Now the credit bureaus job was to gain evidence that the amount was inaccurate or correct. They continued to report that it was correct without even doing their job. Therefore this was to be deleted from my account within 30 days. I disputed 6x for an entire 8 months and no one listened to me. The Fair Credit Reporting Act states to verify and/or DELETE these inaccuracies within 30 days. They failed to do so. Why are they allowed to continue to keep this on my report inaccurate for 3 years? I want this deleted. I noticed recently that the price was changed, even after XXXX sent me a letter stating Paid in full, XXXX balance.

I 'm unsure why this amount is changed after almost 4 years. I called the National Credit Systems and they refused to delete it still. This is unjust to the laws that were put in place to protect the consumer. The new amount of {$620.00} on my report should be deleted and obsolete. 

I have been unable to secure a safe apartment for my children due to this inaccuracy that I reported in XXXX to all 3 bureaus MULTIPLE times for 8 months. Broken leases are not considered under any circumstances. 
This has gone on longer than the 30 day requirement to wait for an answer. 8 months longer. 
I want this deleted from my report as that was suppose to be done in XXXX XXXX after the inaccuracies were not investigated properly or deleted in a timely manner. 
How many people are being overcharged inaccurate fees that were not correct from the beginning? How many Americans are suffering with inaccurate debt placed on them due to a company mistake? I am not the only one. This should be stopped and the proper authorities should step in and give proper penalties to the bureaus and creditors for not following the Fair Credit Reporting Act accurately. Is n't that way it was written? 

Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Can't stop charges to bank account

Complaint: Advanced Financial XXXX, TENNESSEE Issues : 1 - Charged fees or interest I did n't expect 2 - Ca n't stop lender from charging my bank account I 'm just VERY dissatisfied with their business practices with the XXXX and auto taking my payment 's when I 'm not set up for auto pay - customer service rep verified I was NOT set up as Auto Pay When I first got help from customer service due to my financial situation ( unemployed ) I was under the impression they were going to suspend the interest so what money I could pay at the time would take down the principle balance. As well as keep my account out of collections. I made reduced payments and it still went to interest with just a fraction going towards my principle.. My principle has only gone down about {$20.00} and I 've paid hundred 's of dollars over the past few months and I have not and refuse to not take any more money from this line of credit again. 

The other day ( XX/XX/XXXX ) They automatically took {$230.00} from my account the other day and as stated above I am verified as not on auto pay. On XX/XX/XXXX they auto pulled {$97.00} XXXX CST then another hour later they auto pulled again {$130.00} at XXXX. I had also just paid {$50.00} online about 2 weeks before. 

My account is behind but they know that due to my situation. 
They are kind of hard to deal with. I want the money they took from me back as I do n't think they have the right to auto pull payments if I 'm not set up and did n't give them permission to do so. 

The XXXX is predatory lending. They do n't explain the process and before you know it you are swimming in debt that does n't go down and they feel they are at liberty to take what they want. 

We can only work and make money so fast to keep up, and when they auto take money, it takes from being able to cover basic needs. 

VERY upset with this place, regret borrowing from them. I want resolution to my account. 

If you want any account and balance information please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Payday loan) with Enova International, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had fraudulent activity on my checking account for which my bank continually hit me with overdraft fees. Right around XXXX, in a moment of desperation, I signed up with CASHNET XXXX. Since my bank account went underwater, they have been sending me notices with all different amounts due on them. Every phone call I receive quotes a different balance due. I do n't know what to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Credit card) with Client Services, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Client Services is attempting to collect an alleged debt from me after I sent them dunning letters requesting validation of the debt on XXXX XXXX, XXXX and XXXX XXXX, XXXX. The third letter from them dated XXXX XXXX, XXXX is in violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

Client Services has not provided a copy of any agreement between their business and the original creditor. Client Services has not proven the Statute of Limitations has not expired on this account. Client Services has not proven they are licensed to collect in Oregon. These three legal requirements among others are included in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

Their letter of XXXX XXXX, XXXX also violates Federal Law by continuing to attempt collection without meeting the legal requirements of the Fair Debt Collection Practices Act. 

In addition Client Services continues violating Federal Law by telephoning no less than 9 times in the past 2 weeks. Documentation available upon request. 

I am filing a formal complaint against this business for operating in violation of the Fair Debt Practices Act, and am notifying Client Services of this filing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint with you in XXXX against bsi financial.i have a letter stating they corrected the informations and corrected my mortgage payment. I paid per the letter XXXX for XXXX as I have an adjustable rate which changes in septemer the letter that was sent to you to correct the problem seams as if it was just to correct the problem of the mortage payment for XXXX month. I just received a statement showing I know owe XXXX per month.it seams to me they are looking to make me default on the loan .I cant understand why this has changed .this is a company that is very deceptiver ceptive with the practices on my mortgage. I am tired of trying to be taken adva antage of .I will continue to file complaints with you .as you do get results from this company. you can not just call and try to resolve anything with their custom er service..this is such a unprofessional co to deal with.how could they owe me XXXX check # XXXX and then up my payment XXXX $ per month.this com pany should not be in business. 
service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation