milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (MI).
Issue: Struggling to pay your loan

Complaint: I received a loan in the amount of {$1000.00} and have already repaid {$1000.00} to date and the amount to pay the loan in full is currently over {$1100.00}. I am no longer able to repay these loans and per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Since the transfer of my mortgage to Nationstar from my construction company 's mortgage company there have been an endless stream of problems. First off they messed up the Escrow account by not paying my property taxes and sent me a XXXX refund. This refund had to be repaid a few weeks later as it was identified it was sent in error and then the taxes were paid late. This then started ongoing Escrow re-calculation and payment problems that are still unresolved nearly a year later. Despite numerous lengthy phone calls to their Escrow Dept and promises that it would be resolved the problems continue. All of my payments are made on time but because of Nationstar 's inability to resolve the problems my monthly payments are held in suspense which then trigger daily " collection calls '', in some cases multiple calls each day, including weekends. I have spoken to multiple customer service agents that always state they can see the problem and will resolve it but to date this has never happened, usually with only part of the problem being fixed and a new problem surfacing. Additionally, Nationstar Escrow Dept did not pay my home insurance coverage upon renewal, resulting in the policy lapsing. Nationstar claim that the Escrow did not cover insurance which was not how it was originally setup and fortunately I was able to resolve this with the insurance company directly who reinstated the policy. 
8 months later and there are still issues on the account. I am still receiving harassing phone calls daily from collection department agents and repeated threats to report me to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: Alaska XXXX XXXX auto-payment options are misleading, causing customers to choose the wrong payment option and getting charged for interests every month. When I set up the auto-pay online, the available options are : 1 ) Minimum Amount Due 2 ) Amount Due 3 ) Statement Balance 4 ) ____ ( fill in amount ). I had selected # XXXX Amount Due believing that this meant paying the full amount due and not minimum amount due. According to the bank representative, Option XXXX and XXXX are the SAME and I should have picked # XXXX instead. I had contacted customer service previously and no one had told me about this error. I noticed the continuous interest charges just this week, called the bank, and got transferred to the online unit who was nothing but useless. They insisted that this is a user error and there is nothing they can do. The written communications on the e-pay site is so misleading that it appears deliberate. This must have caused many customers to make similar mistakes and be forced to pay interests unfairly. I 'm looking for help resolving this issue as the bank representative and manager have refused to take any action.

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 monetary relief
Consumer complaint received 04/21/2015 about Debt collection (Medical) with Healthcare Financial Services, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When this happened I had medcaid, but the hospital billed me instead of the state..

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Payday loan debt) with SOUTHERN MANAGEMENT CORP. (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: on XXXX/XXXX/2017 I advised them to stop call me at work the called me 6 more time starting at XXXX XXXX ; XXXX and XXXX and another call XXXX XXXX at 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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : Credco I never authorized XXXX  XXXX nor Credco to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an address reporting on my credit report through XXXX XXXX XXXX XXXX XXXX md in 2009 and it belongs to XXXX XXXX XXXX I did not live at this address I was living with my parents in XXXX XXXX XXXX XXXX XXXX DE XXXX attending XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Malcolm S. Gerald and Associates, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sent a letter to collect {$1300.00} for magazine subscriptions that I did not agree to buy. 

this is a fraudulent company collecting a debt from another fraudulent company XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My Subsidized loan from XXXX bank is serviced by XXXX XXXX XXXX and recently transferred to Great Lakes. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to Great lakes without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with Great lakes upon transfer I was unaware I was missing payments until I was 3 months late. Great lakes has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted Great lakes and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: NavyFCU offers cardholders fraudulent promotions wherein only those transactions in excess of a certain amount are subject to a promotional 0 % APR -- say, either {$500.00} or {$1000.00} for 6 or 12 months, respectively -- but fails to specify in the terms of the offers that these promotions create a situation whereby the only way to avoid paying interest on any purchases not subject to the promotions is to pay the balance in full, including any portion of the balance subject to the promotional 0 % APR. I made 4 transactions total on my NavyFCU credit card within the past 2 months, only 2 of which were not subject to a 0 % promotional APR. Despite making payments by the due date which were in excess of those 2 purchases each month, I still wound paying interest on those purchases. I have been informed today by " XXXX '' that the only way I could have avoided paying interest on those purchases was to pay the balance in full, including that portion subject to the promotional 0 % APR, rendering the promotions fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Credit card debt) with SQUARETWO FINANCIAL CORPORATION (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received account balance option letter from FreshView dated  XXXX   XXXX  in regards to : Current Creditor-CACH, LLC ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three  options were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,  XXXX   XXXX ,   XXXX  , I went to the  FreshView  website to take optio n 1, making 4 pay ments of {$600.00}. I was informed on website to contact them. I called FreshView at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today,  XXXX   XXXX , I called CACH , LLC and was told that the matter was sent to their attorney, the Law offices of  XXXX   XXXX  and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until  XXXX   XXXX ,   XXXX   and this debt was sent to an attorney before 30 days. I want to take advantage of the option of ma king 4 p ayments of  XXXX  on this debt before  XXXX   XXXX  as I do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days from  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 04/25/2016 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had requested more information regarding the debt they were attempting to collect and was told due to HIIPA they could not release that information. After a couple of different contacts I finally received the information in the mail from one of the collectors. I called the Advantage group to let them know that I was disputing the medical charges due to my daughter having XXXX insurances and XXXX XXXX XXXX XXXX were at fault. I received a letter in the mail from the Advantage Group dated XXXX/XXXX/2016 stating that charges were confirmed and had been paid in full with the total equaling {$0.00}.

Company response to consumer: Closed
Consumer complaint received 02/13/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Equifax to delete the account asap.

Company response to consumer: Closed
Consumer complaint received 06-09-2017 about Student loan (Private student loan) with AES/PHEAA (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have conta cted American Education Services with regards to my monthly payment on numerous occ asions the most recent being   XX/XX/2017 . My in terest rate is constantly increasing and so are my payments. When I contacted them to seek options of lowering my payments I was advised that there is nothing that they could do because my loans are private and income sensitive repayment plans are only for  Federal Student Loan s. I have  XXXX  loans that are serviced b y American Education Services.     XXXX  has an interest rate  of 7.35  and  XXXX  other is  8.03.    I 'm currently making a monthly payment of  XXXX  dollars a month and in   XX/XX/XXXX  m y payment is going up by over  XXXX  dollars which would make my payments around  XXXX  dollars a month.   I make  XXXX  after taxes and I ca n't afford to make the payment after the increase takes affect. I have been paying on my loans for a couple of years now but the principal balance barely decreases because my interest rate is constantly increasing and I 'm told there is nothing that they can do to lock the rate nor to take my income into consideration for repayment purposes.   There are laws in place for Federal loans, but I 'm told because my loans are private they are not regulated and therefore I 'm forever a   XXXX    of American Education Services until t he da y I  XXXX  or   pay off my loans which is impossible to do hence the payment and the interest rate constantly increases.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (FL).
Issue: Struggling to pay your loan

Complaint: XXXX  ny office, i was a cosigner on loan with my mother with my car as collateral, she went bankrupt and would not talk to me about the anything other than make a half payment and they would we be in touch with me to figure out the rest after the bk, well they took my car, i told   XXXX   XXXX   (  XXXX  ) i would i pay the past due amount to bring it current and they want nothing to do it with it, i was lied to by   XXXX   at mariner finance they said my mother committed fraud and i do n't have my car. i am husband and father of  XXXX  and have had  two pervious loan s that were paid faithfully and on time and now no car even trying to make this situation right, please let me pay what i owe to reinstate the loan and i will assume all of the payments from here on out inc the repo fees. Also after furtherin review, in nys there must be a cosigner form signed by the cosigner and that form was issued to and signed by the borrower, due to nys statue it does say if the bank does not follow the proper co signer steps the cosigner is not obligated to loan at all. This company never contacted me after i made a payment they as me to, they did not inform me that the loan was in default after i made the account current. all i want to do is pay the loan now seeing my mother is out of the picutre this is my car they also refused to tell me where the car is so i can grab my personal belonings, credit cards, personal mail and bils title to my wifes car as well as peronsal things of my kids.

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 03-11-2018 about Checking or savings account (CD (Certificate of Deposit)) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have IRA with NAVY Federal Credit Union and the balance is not correct so I requested copy 's of all withdraws, and they disabled ; my account so I have no access to my account, nor was I provided copy of withdraws base on the balance there funds are missing. They refused to provide requested in formation and then disable my account in questionable. This is a new compliant and they are not working on it How much more time will you give them to resolve the other compliant, you time limits means nothing to them or you as it appear I hope this is not a repeat of you action during nothing as rrequired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MN).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Hello, I did not apply for a jcpenny card at anytime. The balance is XXXX but I did not have a JCPenny card. Opened in XXXX. I want it removed from my report! It was opened over 10 years ago and it was not by me. Thank you!

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 03-08-2016 about Debt collection (Auto) with Wilber and Associates, P.C. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Call Wilber & Assc to make paymnt arrgmnt on a debt wth XXXX XXXX to cont. wth XXXX agreement/ the rep wth Wilber never vefy who I was or this is a communivcation from a debt collector. refused to take a paymnt, refused any agreement, refused to let me tt a supervisor for a complaint, I called 2x and XXXX never vefy or gave discloser told me he did n't have to obey FDCP and for me to not call again, and hu on my for the 2nd 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 10-08-2016 about Debt collection (I do not know) with CITIBANK, N.A. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XX/XX/2016 at XXXX est I received a voicemail from a person who claimed his name was XXXX XXXX . He called from XXXX. The voicemail insinuated he was an official of XXXX County who was attempting to serve me legal papers. When I called him back, he said he was trying to speak with me regarding a debt related to an old Citibank credit card. Because I formerly worked as a debt collector, I knew he had broken various guidelines as dictated by the FDCPA. I asked him if he was attempting to collect a debt, and he said no. I asked him why he did not recite the Mini Miranda, and he replied that he was not a debt collector, though he called me regarding payment arrangements for an old debt. I have copies of 2 voicemails that he has left me, and will provide them if requested.

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 06-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: In XXXX 2016 I renewed my rate reduction program with Navient. The agreed upon amount was {$700.00} to come out of my account automatically in the XXXX of every month ( with the exception of XXXX which would be the XXXX ). The amount has come out of my account as it was supposed to. However, they continue to call me 5-10 times per day and my XXXX year old grandmother. They call and harass and threaten my grandmother telling her I am not on automatic payments and she needs to pay them {$700.00} immediately. My grandmom then thinks she is going to lose her house or something. I call them to ask where the {$700.00} is going every month if it is not going towards my account. I am then placed on hold for an extended amount of time. If they are calling harassing people should n't they know the reason they are calling. After over 30 minutes on hold I am finally told that they can see that I set up the rate reduction in XX/XX/XXXX and that the deductions are in deed coming out of my account, but there was an error with their processing department. I then asked so why are you calling myself and my over XXXX year old grandmother causing her stress if it 's a problem only you can fix. I was told it 's because she is the consigner. I then stated but this is a problem you said only your processing department can fix, so once again why are we even being called. I was told because no one noticed the problem. I would think before they started calling people 5-10 times a day they would know why they were calling them in the first place..

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Consumer Loan (Installment loan) with Argon Credit (AL).
Issue: Managing the loan or lease

Complaint: Took out this loan with Argon Credit back in XXXX 2015 to cover medical expenses for my husband. The application stated the interest rate would be no more than 5 % when consumer applied ; however, the interest rate was not revealed until the final signing of the loan. Consumer discovered the interest rate was 89 % on a {$2000.00} loan. This is in violation of the Usury law of the state of Alabama. Consumer has made a previous complaint with CFPB about Argon Credit, and the interest rate was decreased to 79 %. Consumer has made XXXX payments of {$190.00}, totaling {$1500.00}, but the balance is showing {$1600.00} with the majority of the payment going toward interest. Consumer disagree with this balance. Under Alabama usury law, the balance should be {$470.00} because the interest rate charged by Argon Credit is in violation -- balance due {$2000.00}, only. The balance increases enormously every month instead of decreasing. Argon Credit is using Private Payment Services to debit my account, and when consumer calls, XXXX XXXX XXXX refuses to give a payoff balance. The phone reps go into great lengths to avoid giving consumers this information. I have contacted Argon Credit several times about this interest rate violation, but just sends out a generic response.

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