milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NV).
Issue: Getting the loan

Complaint: I applied for a personal loan of {$10000.00} a couple days ago to pay off some debts and I went on XXXX XXXX XXXX XXXX said that I should contact OneMain Financial so I contacted them I applied for a {$10000.00} loan they returned with {$2800.00} unsecured or XXXX dollars secured which would be my vehicle I told him I Vehicles not paid off so they said XXXX so I get an email from the company and tells me what time I'm supposed to be there at XXXX today on the XXXX so I go down there after I get out done with work I pull in I go inside they take all my documents my ID my work ID a check stub my pay stubs all utility paperwork and stuff the guy that's supposed to talk to me never comes out I talked to two or three two different women and one guy I have no idea who they are they didn't even introduce themselves and then they come back a few minutes later and tell me they can't help me why did they make me turn circles go all over the place just to get over there so they could deny me if I were you anybody that's the even thinking about going to OneMain Financial think twice go somewhere else they are the worst they are so rude they kept all my documents I told them you better make sure you shred them then and I left the windows weren't even clean that's how bad this place is disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: Huntington charged me a " return item fee '' for my XXXX XXXX payment this past month. The money should have been there but it was not because the returns that I have done were not processed in time even though the merchants had given me shorter timelines than they ascribed to. 

Furthermore, Huntington has consistently allowed me a grace period of one day to pay my XXXX XXXX payment. Somehow, they decided not to do that this month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never done business with this company or had a debt sold to this company. I have requested multiple times to have it removed from my report and submitted documentation showing it should n't belong to me but received a statement stating they will conduct no further investigation.

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 12-12-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Please have Equifax remove XXXX off my file. They arte collecting for XXXX and has been on my file before as XXXX- XXXX dollars. XXXX has also had several companies to report this item with the same XXXX balance. Account not known to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Credit card protection / Debt protection

Complaint: I disputed a credit card charge on my Bank of America Visa card. B of A sent me a letter stating what I needed to mail or fax them to substantiate the claim. I purchased a windshield for my boat - the part was too small and does not fit. Numerous attempts to get the merchant to return my calls so I could get a RA in order to return the part failed. They never called me back, so I disputed the charge. 
One paragraph in the letter is what my issue is. It stated that I had to get a signed second opinion from another qualified merchant on their letterhead! Who would do that??????????? And the qualified merchant ( second opinion ) must physically inspect the merchandise in dispute! 
This is simply putting a requirement on the consumer that is impractical at best and allowing B of A to rapidly close the dispute without a just and fair outcome to the consumer.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It shows that I have a few debts on my credit that does n't belong to me. One is XXXX XXXX XXXX and the other is XXXX XXXX. There 's a bunch of hard inquiries that do n't belong to me either from banks and retail cards. I dont have any retail cards. I only have 1 credit card and that is with XXXX XXXX. The one credit card account I have is n't showing on my credit either.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This item is past the statute of limitations and inaccurate, remove XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Home equity loan or line of credit) with WESTERN UNION COMPANY, THE (CA).
Issue: Application, originator, mortgage broker

Complaint: We received letter in the matter of Paymap Inc. Consent order file No. XXXX, there were check that was not cashed we need to reissue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been with Dovenmuehle mortgage since XX/XX/XXXX and have been disgusted with the dirty tactics this company uses and how they do business. For the past XXXX years I have been experiencing difficulties keeping up with my mortgage payments and have recently went through a loan modification that did NOT help me. The interest rate and payment went up and I 'm now being threatened with foreclosure. I am XXXX payment behind and I have made a payment but Dovenmuehle is literally holding the check because they want all XXXX payments at the same time. Last summer I had a XXXX and hit my house causing over {$12000.00} worth of damage. Once the insurance company cut the check for the damage and Dovenmuehle received it they held the funds telling me they would n't disperse the funds because I was scheduled to go into foreclosure. This forced me to cover contractor and material expenses OUT OF POCKET. The insurance money for the damage had nothing to do with my mortgage delinquency! The contractor finished the repairs in XX/XX/XXXX and it took Dovenmeuhle through XXXX to make the last dispersement. This mortgage company has no problem lying or being dishonest as long as they are getting what they want. I was led to believe the loan modification would help me with making my mortgage more affordable because I had a loss of income, instead the loan is even more expensive than before the modification. I expressed to them that the modification hurt me more than helped and their reply is they are sorry BUT they want the XXXX payments ASAP. I do not have the funds to make all XXXX payment XXXX and they are still holding the payment I mailed out XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I have a {$1000.00} loan with Big Picture Loans, and I went online to my account starting on XXXX XXXX, 2017. The website said it was refreshing, and would clock and clock, never giving me the payment site. I tried another computer on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, and finally another one today on XXXX XXXX, 2017.
The website for payment has been down all this time, so I finally called today at XXXX XXXX PDT to pay off the loan. If I was able to pay several days ago, it would have been $ XXXX/-, today it is $ XXXX/-. This is because they can not process the payment until XXXX XXXX, 2017.
To me it seems like they have a scam going. Ca n't pay online, then when I do pay, it will be three days before the payment shows up. This is predatory lending at its finest. I want my interest back that was accumulated from XXXX XXXX - XXXX XXXX, 2017/ XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with GreenSky Trade Credit, LLC (FL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: GreenSky opened an account without my consent onXX/XX/XXXX based on services provided by an air conditioning company I had contacted for a quote. They offered financing through GreenSky but I did not agree on the price. Several weeks later I received information from GreenSky that I had been approved for a personal loan of {$10000.00} but the bill was {$16000.00}. I contacted Green Sky and provided information to a supervisor, XXXX XXXX that I did not agree to this charge and had not applied for it. She put the account in disputed status. I also sent a letter to this effect on XX/XX/XXXX.. On XX/XX/XXXX, I was notified by the compliance department of GreenSky that this was a valid charge according to the merchant and they were placing it back on my credit report. Until that time, the account was marked closed on my credit report, but since they are reinstating the line of credit and the bill, I filed an identity theft report to FTC and am notifying the credit reporting agencies of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was tricked into getting student loans through XXXX to continue my education at XXXX from XX/XX/XXXX to XX/XX/XXXX. The degree was a total scam because I the instructors where not certified in the field of study I was in. I was not able to hold a job because my skills were sub par. I have not been able to find a job in my field, now my loans have accrued to an ridiculous amount. Now Navient calls me non stop to pay my loans. I am applying for XXXX, only to find out I can not because of my loans. In interest alone, I am in debt over {$70000.00} dollars!!! I do n't know anything about how this works and I feel like I just ca n't get out of this hole. Please help someone! I have a wife and XXXX daughters that need me to be in a position of good standing. I feel like no one at Navient cares enough about me to help. I 'm just another number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (FHA mortgage) with SIERRA PACIFIC MORTGAGE (IN).
Issue: Application, originator, mortgage broker

Complaint: We submitted all our info and got preapproved. Completed application and all. Our broker thus decided to change jobs, he pulled our application and we have XXXX deposited with our builder and no longer have a mortgage. NMLS # XXXX We were due to break ground next week.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with ERC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Date opened : XXXX Last Date reported : XXXX Collection amount : {$970.00} Balance : {$940.00} Action taken by company : To many phone calls, not nice at all, pressure tactics and very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Have filed many disputes and complaints in order to correct the information shown in the attached letter as well as remove hard inquires that were NEVER authorized.

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 05/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I have been trying to get proof of a life insurance policy that Bank of America was debiting my checking account for {$650.00} a month for 10 months. When I spoke to the branch manager they indicated they could not provide proof and that they would not refund my {$6500.00} that ( stole ) from my account. There is also a credit card with them that we have also addressed as trying to get settled and they will not respond. I finally had to retain counsel to get this resolved and even with my attorney reaching out to them they will not respond.

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 08/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am not sure if my Loan through Navient is a federal or private loan but while reviewing the National Student Loan Data System I can see only two of the 5 loans I received which is an FFEL Stafford subsidized and non subsidized. The problem I am having is with Navient and XXXX XXXX XXXX is who they use to service the loan. I applied for forbearance the first week of XX/XX/XXXX and submitted all information required in a timely manner. I did not hear back from XXXX for a month and a half. During that time I made two {$20.00} dollar payments instead of the usual {$98.00}. I spoke with XXXX XXXX and advised I would make payments as I could but they still asked for {$140.00} for the next three months until the account is current again then and only then can I re-apply for forbearance. Keep in mind that I have made my monthly payments for the past six years without an issue. My financial situation has changed and Navient is not willing to work with me on this issue. I was advised to contact you by attorney XXXX XXXX of XXXX XXXX on behalf of the Project For predatory Student Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit card protection / Debt protection

Complaint: Someone open KOHLS credit card under my name for {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction issues

Complaint: Western Union ( WU ) accepts money for transfer then refuses to complete transaction. Discrimination issue : WU refuses to process transactions to XXXX ( XXXX ) for typhoon relief.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Multiple accounts created and now have late payments reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, Equifax and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: The business I am complaining about is JPMorgan Chase XXXX Bank. The branch I use is at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My husband and I have been long standing customers of this bank. We have our Social Security deposited into it. We have a checking account there which carries a fairly good balance. 
On Tues. XXXX XXXX 2016 we wrote a check to someone for {$60.00}. We told her she could just go to the corner and cash it as that was our bank. When she tried to cash it they wanted to charge her {$8.00}. to cash it as she did not have an account there. As their customer I feel I should be able to give XXXX of my checks to whomever I please and they should be able to go to my bank and cash it without a hassle. It is my money and I pay to use their checking account and my checks should be cashable by anyone they are written to at my bank because that is where my money is. They are inconveniencing me their customer by not honoring my check without some outrageous charge. That charge just comes back to me so then I no longer have the privilege of using that account to pay for something without an additional charge. 
I want the bank to cash my checks for anyone I write them to. If the person I write a check to wants cash they should be able to get it without an extra charge as I am the bank 's customer. 
If they can not do business in a honorable way I will have to move my business elsewhere and become very verbal about their tacky business practice. This is an outrageous policy and needs to be dropped. It certainly does not give any service to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a Chase private student loan when I attended XXXX XXXX. Upon graduating, I made the monthly payments to Chase in the amount of {$29.00}. The original principal of the loan was for {$5000.00}. XX/XX/XXXX, I began XXXX at XXXX XXXX University in XXXX, Rhode Island. My automatic loan payments stopped due to my full-time enrollment. XX/XX/XXXX, I made the decision to take the fall semester off. Simultaneously, my Chase student loan was charged off after they said I failed to contact them, even though I was in in-school deferment. My efforts with Chase to reestablish the loan under the original terms were dismissed. As a result, I was forced to enter a payment plan to pay-off the remaining principal of my loan or the action would result in charge off on my credit report, which would substantially affect my chances of bar admission. From XX/XX/XXXX until XX/XX/XXXX, I made 3 payments in the amount of {$820.00}. I reenrolled in law school XX/XX/XXXX, and I am currently enrolled full-time. I am unable to make the remaining 3 payments, which I believe I should not have had to make in the first place. I would like to speak with an individual at the CFPB to determine my options, since this very well could affect my bar admission.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out student loans starting in XXXX, I finished school in XXXX, I was not able to find a decent job, and the calls and letters started coming. They offered me the economic deferral, which I thought was a solution to my current situation. I now owe approximately XXXX in loans, I am XXXX years old, I am currently working as a temporary employee making {$XXXX} an hour. If I could go back I would not have taken out these loans. At the time I was under the impression I would get a good job and be able to pay them later in life. I borrowed like XXXX, that I may never be able to repay, the interest brings it up to near XXXX. I will always be in debt. I even tried getting state and government jobs, because I heard I would n't have to pay them back, but I have had no luck there. I ca n't answer my phone, I feel like I am always hiding from the collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (KS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX   XXXX  received letter  that Navient would seize my assets if I did n't pay. I called to ask about that and they said they never sent it. They also said I had 2 mor e months until default of loan. I asked to mail in a payment they requested to keep it from getting more behind, which the normal payment is  XXXX . They then said " because of the state of my loan being 5 months behind this arrangement was not acceptable ''. My next payment was not d ue until ( month 7 behind of 8 before default ) 2 weeks from now. It was pressure and tactics that made no sense. I did not want to give them my account information because my mother, a cosigner, did that and they took money she did n't authorize. I asked to pay the loan off in a settlement and they also requested al l kinds of financial information. The payoff was to be by a benefactor, so it had no relevance.

Company response to consumer: Closed with explanation