milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (NV).
Issue: Managing the loan or lease

Complaint: I logged into Mercedes Benz Financial website to pay my car payment on XX/XX/XXXX, for a payment which was was due on XX/XX/XXXX. Their system indicated that I was due for two payments, ie that I was past due for a payment. In a panic, I paid the double payment, and emailed them to inquire why, if I was past due from the previous month, they had not contacted me. After making the payment, I went to my bank account, and discovered the previous months payment had been deducted from my account on XXXX XXXX, 2016. I emailed MBF this fact, but never heard from them on Monday. Finally I called customer service, and spoke to XXXX, ( last name unknown ) who explained, that their " NEW '' system, realizing that XX/XX/XXXX was a Saturday, and knowing that they place a 24 hour processing and additional 24 hour handling delay on payments, and because it was the weekend, they would just show it as due for 2 payments, because there was no way for their system to accept payment timely, even though at the time of my inquiry, I was only due for a single payment. In addition, when i discovered this I requested a refund of the unneeded payment, but was informed there would be an extensive delay to accommodate that request. I think this is deceptive and inaccurate servicing which has harmed me by mental anguish and financial harm. I have leased Mercedes for the past 15 years, but that is over now. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Other mortgage) with Lend Smart Mortgage, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to get a I-Refi loan since XXXX XXXX of last year! This is over 8 months ago and I am still waiting! The Loan Officer who is handling my loan application has not responded to my text messages or phone calls since the middle of XXXX of this year! I have even reached out to the government agency that is in charge of this program ( the program allows for homeowners who are upside down on their mortgage grand money from HUD to pay down up to $ XXXX of this. The agency in Illinois is XXXX ). 

Original the program calls for the consumer to put out only an appraisal of the home at a cost of {$400.00}. XXXX certified only a handful of loan companies for this program. One of which was XXXX. 
I have been through 2 appraisals of my home and one reinstatement appraisal because of these huge delays! I have paid out {$750.00} and the loan company has paid for the other appraisal. I have produced volumes of documentation over these past 8 months, verifying and re verifying every document they have requested!!! I keep getting the runaround. They keep blaming it on the underwriters, saying they keep asking for additional documents, etc. Each time I upload the request to the system something else is in question! I am about to XXXX out over this loan! I have kept every email, text message, and document I have been requested to produce. 

These unnecessary delays has cost me thousands of dollars over these past few months. Not only has the interest rate on my loan been changed from XXXX to XXXX ( thousands over the coarse of the loan, I have both disclosures ), but I estimate that based on a 2 month loan process I am losing {$450.00} a month. {$450.00} a month for the last 6 months ( {$2700.00} ) plus the additional {$350.00} reinstatement appraisal fee and the additional increase of XXXX percent on my loan is my financial loss. 

The name of the lender is XXXX in Illinois.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 'm making this complaint against Navient, who is currently my student loan provider, which once was XXXX XXXX. I want to start off by saying that I graduated from Virginia XXXX College in XXXX, and when I graduated, I owed almost {$49000.00} for my loans. It is now XXXX, and I still owe almost {$43000.00}. So I only paid off {$6000.00} in 12 years. That just does n't add up. Moreover, when I 've looked at my statements, they do n't make enough sense to understand how my payments are being applied. They just kept increasing my payments every year. It went from {$220.00} per month for a little while, then just kept gradually going up to {$260.00}, then {$270.00}, and then to over {$330.00}. Furthermore, I changed jobs in XXXX, and I could n't afford the monthly payment they had me on, so they pushed me into deferment for my loans. I did n't pay on my loans for several months, and then they finally offered me income based repayment. So it lowered my payment to {$98.00} per month, which was all I could afford at the time. So they had me on that for a year, and then when I reapplied for it in XXXX, my payment went from {$98.00} to {$220.00}, which made absolutely no sense because it was still supposed to be income based repayment. I knew my payment would go up a little because I got a raise, but my income had not increased enough to justify making my payment over {$200.00} a month. So once again, they offered to put off my payments, but this time they pushed me into doing forbearance. So I had it in forbearance for over six months, now I 'm currently back to paying {$220.00} per month, which I can barely afford. I 'm barely making ends meet, and they refuse to work with me at all. They refuse to lower it anymore. The only thing they ever offer is forbearance or deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Customer service / Customer relations

Complaint: I applied for a bp XXXX credit card in XXXX 2016 and gotten approved and the company reported to all XXXX credit bureaus, but they refused to send the credit card. I have not received my credit card for a month. Which is not fair for only a XXXX limit

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 06-04-2015 about Debt collection (Auto) with CONSUMER PORTFOLIO SERVICES, INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I told this company to stop calling me. They have called me over and over and even my employer. This company has even went to the point of calling me where it shows up as unknown on my cellphone. It is starting to be annoying and I feel like I 'm being harassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Investors Financial Services Group, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX on my XXXX credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed some accounts on my credit that are not mine. They are dropping my credit. They show me as an authorized user. I never authorized anyone to put me on their credit. I contacted the creditors and they stated that they will remove me but I have to dispute it with the Bureaus. XXXX  and Experian are just ignoring my disputes. It has been 62 days now and they refuse to remove this from my credit

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: It 's concerning inquires on my credit report for the past six months, that I have not had involvement with. I have noticed that my report shows 13 hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.

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 04/20/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Called today about the debt was n't communictated what the debt was sufficently. I agreed to pay the debt in full for deletion which the company stated they wouldnt do. Which is in violation to the " Fair Credit Reporting Act ''. I am willing to pay debt in full for deletion from credit report in XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Credit card) with Total Card, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have received a threating letter from Total Care, Incorporated address XXXX XXXX XXXX XXXX XXXX, Falls, XXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : XXXX XXXX , XXXX, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: My employer has received a robotic collection call at the switchboard from this agency several times a month for over two years! This must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Other debt) with First Data Corporation (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There 's INFLATION & there 's DEPRECIATION! Systems like XXXX XXXX XXXX XXXX XXXX XXXX XXXX S DEPRECIATED in value! I 'm not paying more than {$170.00} for USED VALUE to get my account REINSTATED with XXXX! They can keep with NO EXPIRATION DATE XXXX Store Card ( XXXX 's Credit Card ) with them!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a home depot credit card account, they reported my account 30 days late in XX/XX/2014, upon contacting them i was told my account was moved to paperless billing, I had no knowledge of this and explained repeatedly i did not choose this option, because they did not mail me a statement I got no bill to pay, only late in 17 years and i have tried many times to explain this to get it resolved and what happened and that it was not my fault that they did not bill me for payment. I have filed disputes to all 3 credit reporting agencies trying to resolve this. I have since made sure this account and all of my accounts remain on paper billing. their website prompts you right as you sign in and several times during when using it to check your account online to change you account to paperless billing, I should be able to tell them once I do not want that and not have to keep telling them no very deceptive

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 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SD).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Subject : XXXX ( Cabelas ) account # XXXX To whom it may concern : I have attempted to contact Cabelas on multiple occasions both telephonically and through correspondence. It is appalling do be ignored and treated like I do not exist. The unresponsiveness of Cabelas is not only demoralizing ; its a travesty of justice. I have requested to have my APR reduced, late fees removed, and any extension of my promotion on this account. 
To date, I have not received any response and I would like action taken immediately! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar LN XXXX XXXX XXXX CA XXXX This is a HAFA short started XXXX/XXXX/16 with Nationstar. Nationstar set it up in their auction system and the auction was completed on XXXX/XXXX/16. On XXXX we were finally told that the current offer we have in place ( that was submitted at the beginning of XXXX ) had 'won ' the auction. We got the required addendum and HUD in to the negotiator the NEXT DAY - XXXX/XXXX/16. It is 2 weeks later and we have been waiting on an approval letter since then. On XXXX/XXXX/16 the negotiator said they had to fix some internal valuation document. Now, today, he is refusing to work on the file or even review it to see if they have finally have everything they need to issue the approval letter that should have been started on XXXX/XXXX/16. 

Nationstar at this point is outside of Treasury HAFA guidelines by more than 60 days. Today we get a snarky email from the negotiator stating basically he has other work to do and he will get to it when he gets to it and we can shut up. 

This is unacceptable. Treasury Guidelines state there must be a decision within 30 days. Nationstar continues to make up excuses to further defraud their investor - likely they are mad they are n't getting the 5 % Buyers Premium from their fake and fraudulent " auction '' program thru XXXX - which they have recently changed names to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I do not now nor have I ever had a credit card with Capital One. They are falsely reporting that I had a XXXX XXXX credit card managed by them. They are reporting a {$750.00} credit limit with a {$2000.00} balance. I have reached out to them over the course of four years to attempt to clear this matter, and they have not acted. Each person assigned to my case ends his/her tenure with Capital One due to their company downsizing, and my dispute has never been resolved. Basically, it seems to come down to they are too big of a company to be held accountable for incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: To whom it may concern, I am inquiring about removing a few late payments off my credit report. During XX/XX/XXXX, I had XXXX XXXX XXXX XXXX causing me to miss work for 8 months or so, my I come was severely reduced causing me to fall behind on my mortgage payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX ( mo th I had my XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days in XX/XX/XXXX and XX/XX/XXXX .... since Ive made every payment on time and have never had an credit issue previously or after those dates. 
If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated

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 01-12-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (ID).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I purchased a vehicle in XX/XX/XXXX. The finance company was Ally Financial account #. This was for a XXXX XXXX XXXX XXXX vin #. My payments were made in a timely fashion and on time. In XX/XX/XXXX, I even made a separate additional payment for {$120.00}. At that time, I was just wanting to get ahead. Later in the month, my wife and I came to the realization that the intended purpose we purchased the truck for was just not in the cards for us. So, on XX/XX/XXXX we decided to trade it in at a dealership. The dealership agreed to the payoff amount quoted to them by Ally Financial when they called to obtain the 10 day payoff. We finished the deal, and drove away with a different vehicle from that dealership. I assumed that all was good and taken care of. Then, to my surprise, I was alerted by XXXX XXXX that there was a change to my credit report due to a derogatory remark. I immediately checked to see what was going on. I then seen that Ally marked me late on my credit report for the month of XX/XX/XXXX. I contacted the dealership and they said that payment was overnighted on XX/XX/XXXX. They gave me paperwork showing that the check they sent to Ally Financial cleared their accounts on Wednesday, XX/XX/XXXX. The due date for this loan was on Friday, XX/XX/XXXX ( 3 days business days later, the check was cleared from the dealerships bank ). I called Ally and ask them why they marked me late. They said that upon receiving payoff, the payment has to go through several departments for titling to be issued. I said, well then, the late was on their end with the paper shuffle issue, not that it was n't paid in time. The representative told me that yes, it could take up to 14 days to process payoff. 
Now that the vehicle is paid in full, they refuse to remove the late mark on my credit file. I do n't feel that this is fair or just. I 've done everything I was supposed to do on my end. They received payoff in a timely fashion but do to their processing procedures, it was n't credited to my account until after the due date. I would appreciate this being looked into further and for this negative remark to be removed from my credit report. Can you please help.

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 non-monetary relief
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (AZ).
Issue: Unauthorized transactions or other transaction problem

Complaint: PayPal sent me an email on X/X/18 that said they were sending me an " Annual Error Resolution '' notice and how to proceed with handling errors or unauthorized charges on my account. I have not used PayPal for money transfers recently, so this was an alarming email to get ; I interpreted this email to indicate there may be identity theft or someone was using my account without authorization. They included a link to their website ; I tried finding answers on their website but it was not easy to use. I called several times, and finally had the option of leaving my number for a callback. When my cell phone rang it said the call was from XXXX NE, but when I answered the phone I did not understand what the other person was saying, but she did indicate she was in the XXXX. I believe this is a highly misleading business practice, and I have only become more concerned knowing that someone on the other side of the globe has access to my account information. I want PayPal to immediately close any accounts I have with them, delete any and all of my information and never contact me again for any reason. They need to be much more clear and upfront about exactly why they are sending emails, and if they are going to do business with Americans they need to get some American customer service so we can have trust in exactly who we are talking to and why. I am suspicious if PayPal was hacked and ID thieves have access to sensitive information?

Company response to consumer: Closed with non-monetary relief