milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX in XXXX, CA was supposed to be doing a student loan forgiveness program. XXXX XXXX XXXX is the representative that handle everything. She gave me the name of Equitable Acceptance to make my payments to. The initial payment was {$150.00} and the remainder was {$49.00} for 33 months for total loan forgiveness and removal from my credit report. Equitable Acceptance showed up on my credit report as a loan of {$1200.00}. I called Equitable Acceptance at XXXX, which is the number given to me by XXXX XXXX and that is not a good number. My loan was consolidated and is now with XXXX Department of Education XXXX XXXX with a payment due to them currently. I did not authorize this and this is also not the agreement that I had with them. My case id with XXXX XXXX is 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 08/19/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (AP).
Issue: Problems when you are unable to pay

Complaint: I made a payment arrangement with Navy Federal and when it was time to pay they took a different amount that was agreed to. Also, I would call and notify why I was late but every chance they could would transfer money out my account that was not authorized. I never agreed to have someone take my paycheck and do what they pleased. This last incident I made a payment arrangement of {$170.00} dollars but they took {$260.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I called Santander and we agreed to a settlement. Upon completion of the settlement on my part they reported to the credit beauru a XXXX dollar balance but they have it showing derogatory on my credit reports. When I have fulfilled my end they did n't report accurately I sent in good will letters to remove late payments and account but had no response

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We, my husband and I, are being charged another {$1000.00} on our mortgage payments without real justification for the increase ( from {$1000.00} to XXXX ). Last month with the auto pay that we had set-up with them our account went negative about {$900.00}. We scrambled to make up the difference immediately and tried to communicate with this company to get answers, but we were only given the run around. I had to figure out on my own that I was being over charged on the taxes. So I went to the tax offices that are involved, because I happened to buy a house that is situated in two counties ( XXXX county and XXXX county ). Both counties explained how we are taxed. We pay full county taxes for XXXX, because that is where our house is physically at and only pay Comal ISD and city taxes for XXXX county. Very simple. They gave me estimations on what the taxes are, that came close to what we used to be billed. So with this new knowledge I called the mortgage company explained where their mistake was, but I have experienced with them the run around. They said it was going to be corrected and still have n't corrected anything. Now it is another month and the payment is due, but we are still being charged the {$2000.00} and again I went to the county offices and they told me the same thing and gave me print outs of what they thought could help ( to fax to the mortgage company ) and they told me the mortgage company should call them, so that the county offices can explain it to them ( the mortgage Co ). The mortgage company is telling me I have to wait 7 days so that they can investigate the situation, again. But our mortgage is due my husband and I only have the normal amount that we were a custom to paying and budgeted for, we do n't have {$2000.00} to give them this time. We never would have bought a house with such a high monthly payment. Never! Now I 'm scared to lose the house over something that is not true and correct. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Best Service Company, a collection agency, sent me a letter in the mail stating I owed a debt for {$10.00}. I mailed the company a letter for removal of account from my credit reports and a check for {$10.00}. I received a letter after a few weeks that they could not process the payment and that I needed to call them, they included the check I mailed them. I decided to send them a money order for {$10.00} and a letter for removal of the account from my credit reports. I just received another letter in the mail stating they could not process the payment and that I needed to call them, they included the money order I mailed. I believe the company is purposely rejecting my payment methods to get me to call them so they can attempt to extort money from me for more than the debt costs and/or to keep a closed collection account on my credit report to purposely hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my credit report XXXX XXXX XXXX is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.

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 05-05-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: We have been charged overdraft fees on our interest personal checking account on three different occasions over a period of four months. At no time on these three occasions was our account overdrawn. I log onto our online banking everyday and constantly monitor our activity. A printout of the most recent {$36.00} overdraft charge is attached. You can see that at no time did our account have a negative balance, but PNC charged an overdraft charge of {$36.00}. How can a bank charge an overdraft fee when the account to which it is charged does not have a negative balance? I think this is grounds for an investigation into a class action lawsuit. This has happened to us three times, and I 'm sure it has happened to other PNC consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Credit card) with Data Search NY, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: COLLECTORS KEEP REPORTING COLLECTING, CALLING ETC.. ESPECIALLY AFTER CEASE AND DESIST ORDERIN PLACE SINCE 2008 SEE LETTER FROM XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My mom who is XXXX. Was a co applicant on a car loan..I surrendered the car back to wells Fargo XXXX 2013..they resold the car. They keep reporting on my credit that I made payments and kept posting my report as if the loan is still open when it is n't I asked them to remote the entire account because their inaccuracy is hurting my credit I ca n't get another car loan..my mom XXXX and it was her car too

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 01-07-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: experian refused to answer my questions for method of verification and took over 30 days with my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: This problem has been ongoing problem with Honda Financial service : I have received a letter in the beginning of the XX/XX/XXXX indicating that I have owe Honda Financial service amount of {$130.00} for the Vehicle tax for XX/XX/XXXX to XX/XX/XXXX for Honda Civic I have trade in at XXXX for new vehicle on XX/XX/XXXX and Honda received paid off amount of {$13000.00} on XX/XX/XXXX. ( see attachment ) I have called a Honda Financial Service on XX/XX/XXXX and spoke to representative XXXX ( wo n't provide the full name ) and received Case # XXXX : XXXX said he would put my account on HOLD until XXXX County refunds the Tax for Honda Civic, due to the fact that XXXX have paid in XX/XX/XXXX for the whole year 's Vehicle Tax : And advice to ignore the future invoice from Honda. 

Its ' been over three months now, Honda still sending me a Letter indicating PAST Due and will effect my credit score (  threatening me ) and suggest of {$100.00} to compromise the case : I feel, Honda Financial service is trying to Scheme me of this TAX Bill. 

I DO NOT OWN the vehicle from XX/XX/XXXX ( see attachments ) Plate and registration for the vehicle was returned on XX/XX/XXXX. 

I even called the XXXX County Vehicle Tax department to find out, and they told me that they have return the Civic ' Tax for XX/XX/XXXX to XX/XX/XXXX portion to Honda already. 

So, in this case, Honda should close my case and should not be sending me the LATE DUE letters. However, XXXX is still sending me the Late Due letters and I want this to be CLOSE ASAP. I do n't feel obligated to paid the Vehicle tax for the vehicle I do not have the ownership! Honda need to have better organized financial service group. 

I wonder how much money they have collected this way and not returning the money back to the customer. 

For two years of being loyal customer to Honda, ( no late payments etc ), I should n't be treated or threaten By XXXX in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with I.C. System, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: COMPANY OWED  :  XXXX .  AMOUNT OWED  :  XXXX  as of  XXXX   XXXX ,  2017 . TURNED OVER TO COLLECTION COMPANY : IC System- XXXX   XXXX  MONTHLY PAYMENT  XXXX .   XXXX   XXXX   XXXX   . Is   charging an extra  XXXX  LATE CHARGE DUE EACH MONTH FOR I GUESS  XXXX ! Why am I paying  XXXX  extra each month AND ONLY  XXXX  dollars taken off amount due? They are tripling balance due with  XXXX  extra fee tacked on! IM NEVER LATE WITH COLLECTION PAYMENT AS IT IS AN AUTOMATIC MONTHLY SEDUCTION FROM MY CHECKJBG ACCT!   XXXX   NO.  XXXX   XXXX . Please help as I am senior retired female on  SSI!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Through gross negligence, Equifax has allowed extremely sensitive personally identifiable information to fall into the hands of unauthorized agents. Despite knowing the sensitive nature of the data Equifax held, they failed to set up adequate systems and protections in place to secure my personally identifiable information. Due to these actions, I am at a grave financial risk and can fall victim to act of identity theft, a drop in my credit score, and elevated costs for home, car and other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 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: Account status incorrect

Complaint: I have sent several letters for the account information to be reviewed for the account " XXXX XXXX ''. The account is reporting incorrectly. I've sent letters to have the account verified and Experian nor XXXX can verify the payment history on the account. If this information can not be verified according to FCRA it has to be removed. I have no other choice but to file another complaint on the matter. Please verify the payment information on the account or have it deleted. Thank you very much!

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 05/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have paid off the student loans in 2015 and they still show as open accounts and past due, the company said they would take them off my credit report. Also I never lived at an apartment on XXXX I have no idea why that address is on there. Please look into these for me and let me know what comes of it. Thank you, XXXX XXXX. XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.

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 05-10-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I have received an incorrect XXXX for XXXX from Caliber Home Loans. The property was purchased on XXXX/XXXX/XXXX for {$56000.00}, paid on for 11 years and sold at a short sale for {$20000.00} on XXXX/XXXX/XXXX. I have authorized my partner to talk to Caliber in trying to resolve this issue to no avail. This has been going on since XXXX/XXXX/XXXX and here it is XXXX/XXXX/XXXX. We have called at least 3 times but have been given the run-around by employees and supervisors. We have talked to Customer Service and Short Sale Department, but no one was willing to listen and re-send a corrected XXXX. We asked Customer Service to send us an itemization of how they came up with the {$100000.00}. We finally received the information requested a month later and quickly discovered the error made by Caliber. The amount written off on XXXX/XXXX/XXXX was {$52000.00}, and it was also written off on XXXX/XXXX/XXXX in the amount of {$53000.00}. Then, the XXXX were added together to total {$100000.00} which is supposedly the amount of debt canceled by Caliber. When I explained this to Customer Service who then explained to her supervisor, the response was they did not write the loan off twice and that the $ XXXX was fees and actually hung up on me. This is totally bogus and should be corrected immediately so we can file our XXXX income tax return. I have attached a copy of this itemization and underlined the errors along with XXXX XXXX. 
I will not be able to testify at a hearing because I am the XXXX for my wife who was XXXX and would not be able to travel to XXXX, TX. 
I would like Caliber Home Loans to overnight a corrected XXXX for XXXX. 
I can not file XXXX income tax return until this is settled. I would like Caliber to over night the corrected XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: I never signed up for a Paypal loan. I did n't give paypal permission to start an account with a {$750.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for a loan modification and because I now make enough money they do not want to approve/or review me for a loan modification again. I was told by a HUD credit counselor and other government agencies that since I experienced such great hardship I was able to qualify for a loan modification. Why am I now being penalized now because I now have my full income and not on sate furlough. This is n't fair and I am asking for a fresh start to begin my payments again. Is there anything you can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Closing/Cancelling account

Complaint: I was told by a XXXX XXXX Bank representative that my account will continue to be in good standing as long as I made a payment in the bank directly before a specific date. After doing so they credit grantor closed my account! The account is showing as a charge off for lack of payment although that is n't true.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Shopping for a loan or lease

Complaint: I went to XXXX XX/XX/XXXX to purchase my second vehicle. I filled out an online application and specifically said in the comments section, I only wanted my credit ran with the company that I previously used during my last car purchase. I repeatedly told the car dealer I did not want my credit ran more than one time only. After getting the call that I was denied, I viewed my credit report and saw that they had ran my credit over 5 times. During further investigation I found out my last car purchase there back in XX/XX/XXXX, they ran my credit 10 or more times against my wishes. I repeatedly called the car dealership and still have not received a response from the general manager. So I called corporate and still have not received any call back. I contacted the companies they ran my credit with, and I was advised to file a complaint. I even sent a certified letter to the dealership, and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In May 2016 I changed insurance companies from XXXX to XXXX XXXX. My XXXX annual rate was {$4700.00} and my escrow payment for insurance was {$390.00} per month. When my renewal I had paid {$390.00} for 12 months prior and had enough money to cover payment for my annual renewal. I did not have a escrow shortage at that time. I found insurance cheaper with XXXX XXXX and my annual premium decreased to {$1300.00}. I am aware my escrow payment should be for insurance now {$110.00} per month. That is a saving for me {$280.00}. My mortgage payment should have decreased and the amount of escrow payment should have decreased too. I contacted my mortgage loan servicing company and faxed them proof of my new insurance and amount. I also paid XXXX XXXX in full entire premium {$1300.00} for one year. My mortgage company did and escrow analysis and told me I had a shortage in my escrow in the amount less the {$1300.00}. I contacted my mortgage company customer service department insurance dept and was informed that the escrow department was not notified that my premium had change. And was told that they were not going to inform escrow. Well if they do n't inform escrow then that was why I was getting a statement that I had a shortage. The Nationstar Mortgage is overcharging me and I do not have a escrow shortage. I am aware that the amount the lender is required to hold in escrow is only 2 months in reserves not 12 months in reserves. Nationstar will not adjust my escrow and mortgage payment and is in violation of the Respa servicing escrow regulations. Please assist

Company response to consumer: Closed with explanation