milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree improperly raised the interest rate on my mortgage. The terms of my mortgage contract state that the index is the weekly average yield on the United States Treasury Securities, adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. It also states the most recent index figure available as of the date 45 days before each change date, is the index that will be used to determine the change. The new interest rate will be calculated by adding 2.75 % to the current index and then rounded to the nearest one eight of one percent ( 0.125 % ). The rate will never increase or decrease on any single change date by more than two percent. 
( Prior to the reset my interest rate was XXXX. They added 2 % to the 2.875 % and it is now 4.875 %. They did not adjust according to the contract and use the proper index ). 
Forty five days before XXXX XXXX, 2015 is XXXX XXXX, 2015. On XXXX XXXX, 2015 the index was XXXX adding the margin of 2.75 % my new interest rate should have adjusted to 2.97 % with a new payment of {$900.00}. Not {$1000.00} In addition my escrow account shows that a payment for my hazard insurance will be made on XXXX XXXX, 2015. I have never had an escrow account for insurance or taxes, I pay them myself. 
On XXXX XXXX, 2015 I called and inquired about this. I was transferred to 4 different representatives, each time having to give my account number and social again. no one was interested in helping me answer my question. They were rude and wanted to know when this months payment would be made. The final person I talked to told me to send a fax to customer service general correspondence, stating I was disputing the change in the rate, which I did on XXXX XXXX, 2015. I also have written a QWR ( RESPA ) letter which will be mailed certified tomorrow XXXX/XXXX/2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I was in school pursuing my XXXX and XXXX degree I had some federal loans with XXXX XXXX ( now Navient ) and started getting calls from them about taking out Tuition Answer loans to cover expenses. I did not know at the time that they were private loans and did not have the same repayment options as federal. As I was finishing my XXXX my husband and I went through XXXX layoffs and ended up having to file Chapter XXXX bankruptcy. Our attorney told us that the student loans would not accrue interest while we were under bankruptcy protection. That turned out to be false. Payments were made to Navient on these loans through the bankruptcy court. We made every payment to the bankruptcy court on time and were successfully discharged XX/XX/2015. I immediately called Navient to try to make repayment arrangements. When I called them I found that because of interest added while we were in bankruptcy our balance on these loans had gone from {$110000.00} to {$240000.00}. Over {$120000.00} was added in interest! They told me the payment would be {$2100.00} per month. I explained that I could not afford that and they offered to enroll me in what they called their rate reduction program. They said that I would be able to pay the loans down faster since I would n't be paying as much interest and they set me up with a payment that was under {$1000.00} per month. That program expired after a year so I called back and asked if I could continue in that program. They told me I did not qualify and had no other options but to make the full {$2100.00} per month payment or they would begin enforcement action against me. Since then I have been working XXXX full time jobs to try to make these payments and am quickly running out of options. 
When they told me I could not continue in their rate reduction plan I started keeping track of everything on a spreadsheet which I can send to you. When the rate reduction plan ended XX/XX/XXXX my balance was {$240000.00}. After making the full payment of {$2100.00} my balance actually went up to {$240000.00}. For the following two months after making the full payment my balance was reduced by less than {$300.00}. I called Navient and asked them why my balance was going up even though I was making full payments. They told me that all of the interest I 'saved ' while being in their rate reduction program was put back on my balance. They did not tell me that would happen when they put me on that program. XX/XX/XXXX my balance did decrease by {$1100.00} but XX/XX/XXXX it increased by {$580.00}. No one at Navient can give me an explanation as to why this is happening. We are much worse off financially now than we were before filing bankruptcy solely because of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX / XXXX /   17 I  received a credit report monitoring update that a collection was place for {$240.00} through Allied Collections with no contact information for this account, no previous attempts to contact me through mail or phone. I call the company at  XXXX . They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX . I spoke to  XXXX  at   XXXX   XXXX   on Monday  XXXX / XXXX /   17.  He informed me the debt was for {$240.00} with   XXXX   XXXX   XXXX   I then informed him I was never contacted by his company, he said a letter was sent out earlier this year, to an address I do not live at In a town I do not live in. I also informed him this company is not even licensed to practice or lend in the state of Michigan. I have been dealing with illegal debt collection from this company before and the CFPB knows this and has deleted this before. I was given an email address of  XXXX  XXXX  XXXX  to dispute the claim. I sent an email immediately demanding that it be removed from my credit report in the next 24 hours. I then came here to file my complain as this company has illegal debt collection practices.     1. Trying to collect a debt with no proof of debt, from a company not even licensed in the state of Michigan to give out loans.
2. Not notifying person ( myself ) that a debt was trying to be collected, allowing me to dispute said debt.
3. Reporting negative on my credit report in behalf of an illegally running company.
4.   Not checking on the company they are doing services with to make sure the debt collection is even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Payday loan, title loan, or personal loan (Title loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: I had a car loan wit h  XXXX Toyota Financial,  got diagnosed with   XXXX   XXXX    XXXX   XXXX  so asked them to extend the loan for me, prior to extending the loan,  Toyota  took my car like a thief in the night in  XXXX    XXXX  . Car was repossessed without any opportunity to retrieve my stuff of value from the car.  Toyota  sold my car and send me a statement saying I owed nothing,  XXXX  balance, copy attached. Now, I understand that they are taking me to court and have indicated that I owe them {$8000.00} plus on my credit reports. I have tried to get the credit reporting agency to do the necessary adjustment/corrections with no positive response, they have stated that the company verified the information, even after submitting the attached statement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I 'm not able to pay back my loans right now. But I have been out on the forgiveness list. The thing is that navilent took out 15 loans in my name. Now I owe XXXX dollars in loans. How can I get this resolved. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Student loan (Non-federal student loan) with KEYCORP (WA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I had called Key Bank several times to help take care of my loan. I can not afford payments right now of almost {$80.00} a month. I explained to them my current situation several times, that I am working but can not afford to make payments for several months until I get back on my feet. I just graduated and got a job, my husband just went back to school and we have a baby. I explained I would have an opportunity to start tutoring and could afford payments around XX/XX/XXXX or I could pay a smaller amount and they refused to do anything or provide any help in any way. The said I could never refinance my loan or consolidate it, I ca n't get lower payments or a forbearance, or any kind of payment plan. I was told there is nothing they can do for someone who is trying to take care of their bill. They gave me no explanation why except that some other internal department at Key Bank said " no ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Credit decision / Underwriting

Complaint: RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : XXXX : XXXX XXXX XXXX XXXX New Jersey XXXXDear Consumer Financial Protection Bureau:XXXX I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed XXXX is forgery which is illegal. 

XXXX. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window. 

XXXX. I never received the truth in lending disclosure. 

I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and it is not My burden to bear any longer. This house located at XXXX XXXX XXXX XXXX, NJ XXXX has been paid for XXXX. This house is a SURE EXAMPLE OF PREDATORY LENDING. The property has been under contract XXXX times since 2014, and XXXX home loans refuses to LET GO. There is no way this property appraised for {$200000.00}. 

Again, GET THIS PROPERTY OUT OF MY NAME. RIGHT Now, there is a contract for a short sale and XXXX loans is holding the deal up. Enough is enough, either convince XXXX home loans to proceed with short sale ( including no deficiency judgments, {$5000.00} relocation fee for Me, XXXX XXXX XXXX, and total debt cancellation ), or MAKE THEM. Realtor is XXXX ( XXXX ) real estate XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX, email : XXXXXXXXXXXX ). 

XXXX and XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hyunadi Motor Finance is reporting incorrect account information on my credit report. The account is reporting six missed payments this information is not correct. I filed a complant prior and the information reported was corrected. As of today XXXX XXXX, 2017 the incorrect information has reappeared on my credit bureaus credit report. I am currently in the process of seeking legal advice and repensatation due to the practices of Hyundai Motor Finance. The payments were paid online and not processed unti two to three days later. Their actions are damaging my credit history and credit worthiness. Below I will attach  supported documents showing payments and when they were processed. I have filed compalints prevesouly against this company whch resulted in the account information being corrected

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have 8 or 29 negative accounts that I didnt know it existed on my reports u disputed and still showing pls help it says I have like 10!  medical bills and I always had medical insurance I dont understand

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 01/19/2017 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing the loan or lease

Complaint: I had an auto loan with Bank of America. That auto loan was fully paid-off in XXXX of 2016 -- no dispute on that fact. 
In XXXX we have an " electronic title '' system, where once a lien is fully paid-off, the lender ( BofA in this case ) is obligated to then release the title to the State of XXXX, who then ensures that the XXXX DMV has a record of the title being free of encumbrances. At that point, as the owner of the vehicle ( free and clear ), I am supposed to be able to go process a sale of my car with little effort, again, since the XXXX DMV should now have the clear title in their systems, ready for transfer. 
It turns out that for whatever reason in my case BofA failed to release the title. The XXXX DMV still shows the lien recorded against it, and BofA, when contacted admitted " Oh, yes, we can see that the release was never completed. '' The problem I am facing is that I am moving from XXXX to XXXX next week, and as part of that process it is essential that I sell my car ... i can no longer do that because I do n't have the title. And because BofA will take 7-10 business days to process the release ( again, a release that they were supposed to process 9+ months ago ), and the XXXX systems take 7-10 business days of their own to update once the release is received form the bank, I am left to wait out approximately a month before I will have access to the title I should have access to today. 
The impact for me is that I guess I will need to reschedule my movers, my home sale and my transportation across the country -- seemingly thousands of dollars of impact. And thus far the response from BofA has been " yeah, sorry about that. '' In particular, I took note of the comment from the Customer Service Supervisor when I was asking how this could have happened in the first place and why the bank never caught the problem until I called. He told me " we do n't have any process to check if the release actually occurs. And we do n't have any staff that is assigned to follow-up on that. '' They actually just wait for their clients to catch it and then it is our responsibility to follow-up, figure out what has happened, and in my case at least, be left with the huge financial impact of their failure. That seems like a massive failure of internal policy -- I am not sure how it is even possible this is legal -- they are single-handedly denying me the ability to dispose of my property. Is n't that theft? 
What a joke.

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 12/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX XXXX took XXXX on XXXX/XXXX/XXXX with out permission. I tried calling them and only got voice mail. They have never returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX /2017 : received a bunch of Voicemails during business hours from ProCollect. Was unable to answer due to work hours and did not owe a debt so I had no idea why they were contacting me.      XXXX / XXXX / 17  : received a letter at my mothers address in another state saying that I owed a debt. Letter says it was sent in early  XXXX  but was not post marked or received ( at the wrong address ) until  XXXX , which was conveniently close to the 30 day dispute date on the letter. I had only a few days to contact my attorney and dispute the letter after receiving it.      XXXX / XXXX /   17  : my attorney sent a certified letter to ProCollect to verify debt and gave them 30 days to respond.      XXXX /2017 :  ProCollect  has not contacted my attorney with proof of debt.      XXXX  2017  : Debt in collections appeared on credit report. Attorney never received proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with Direct Recovery Services, LLC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from my son today ( XX/XX/18 ), who lives in a different state and has no ties to my finances, asking why he was receiving a phone call about an {$800.00} debt I owed! XXXX XXXX XXXX uses a taped calling program that states " if you aren't _______ then please hang up. '' But most people are curious and will go on and listen anyway. This call released information that they were trying to collect a debt of {$800.00} and then proceeded to give information on how to pay it. 
This is NOT the way debt collectors should be allowed to communicate with those who owe a debt. This is wrong in every sense. I understand I owe the debt, but I do not have a job and was in a horrific accident months ago that has rendered me unemployable at the time. I do not expect ANYONE to contact people with information that can be damaging to them. This is just wrong that this company, or any company can release information about others under the notion they are doing it legally. This is embarrassing, harmful and can have devastating effects for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XX/XX/2016 Equifax apparently has some incorrect information about my identity in their files. They refuse to supply me with my free credit report, so I can not even begin to look for problems myself. They have failed to make a good faith effort to correct their error. 
I first encountered the problem when trying to create a My Social Security acct. online. I was blocked when the system could not identify me. Social Security told me that XXXX of the credit reporting companies was used to identify me and may contain incorrect information about me, and recommended that I get my credit reports. When I tried to do that, Equifax blocked my request saying that they were not able to " match your records ''. I have spent hours on the phone and online trying to get Equifax to fix whatever the problem is. They first told me to file a dispute online, but when I tried to do so their system blocked me again. On the phone they tried to tell me that the problem was my middle initial. They filed a dispute and I have received a letter XXXX Equifax conf. # XXXX XXXX saying that they have fixed my name by adding my middle initial. Not surprisingly, this did not fix the problem. Back on the phone, they gave me the run around, telling me that my information was correct, did I want to file a dispute again, etc. They refused to transfer me to anyone who could help ( the Customer Representative is a phone bank in the XXXX and they do not have adequate access to my records. It is abundantly evident that their job is to make me go away. 
In the past I have had my identity stolen twice, my address changed online without my knowledge, my credit card used fraudulently, etc., so this is a very urgent problem. Amazingly, this is causing Social Security to block me. I am nearing the age when I will file for XXXX and Social Security benefits, so this is no trivial matter. 
Please help. My request to you is : 1 ) XXXX Equifax to fix this problem 2 ) XXXX Equifax to provide me with a full and complete explanation of the error, the origin of the error, and what they have done to fix it. 
3 ) Force Equifax to completely investigate my credit information and determine what damage to my credit has been done. 
4 ) Force Equifax to contact Social Security XXXX to correct all errors regarding my identity and place an explanation of this event in my Social Security file. 
5 ) Force Equifax to give me the required free credit report. 
6 ) Force Equifax to extend the XXXX alert on my credit files ( I currently have another year or XXXX on a XXXX alert caused by the events noted above. ) Thank you sincerely, XXXX ( aka. XXXX to Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I can not access my Capital One account and apparently neither can customer service. In the meantime, triple alert has sent me a message that my account has been negatively affected. I go to that service to discover my account is over its limit. However, there appears to be no way I can access or review my account either online or over the phone via their customer service to resolve and issues or even review my account. The two step verification fails online blocking me and when I call in they say their systems have been down. I have attempted to access my account at least 10 times over the past week.But the verification code is never sent. Now a message comes up stating there's an issue ... the question is what is the issue and how bad is it. For all I know their system has been compromised and they won't tell us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I signed a document as the CO-SIGNER for a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. The borrower was denied credit. The dealer then put me as the principal borrower without notice. I received 7 credit denial before one credit company approved the loan and put me as the only borrower on the loan. 
I never received any documents from either the dealer or the lending company. 3 weeks ago, I sent them both a letter by certified mail requesting copies of the contracts for this transaction. 
All I received is a phone call from the general manager at the dealership saying that I did n't have to worry that it is normal in this situation that I became the principal borrower. I called the lending company asking for copies of that loan contract and they too said that they will send it to me and never did. 
I believe that FRAUD as been committed to make the sale no matter what. I never intended to be the principal borrower to purchase this vehicle and the dealer by refusing to give me copies of the contract for me to review where my signature appears and what THEY made it look like they had my approval to change the status of co-signer.

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