milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (CA).
Issue: Other transaction issues

Complaint: My google wallet / payment account was blocked. 
The company claims I have violated their terms of service. I have read them, and believe did not violate any of these terms. All I did was use Google wallet to transfer funds to my husband, which is well within the scope of what the service allows. 
Furthermore, the company refuses to explain which terms I violated and how. 
As a result, I 'm no longer able to send or receive any funds through Google wallet, make any purchases through Google of apps for my smartphone, groceries through Google express, or checkout through any merchant that uses google payments. I believe the closing of my payment account is unfair and at the very minimum, a more detailed explanation should be provided, so that I could appeal Google 's decision if their facts are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I noticed in XXXX that a lot of inquiries popped up on my credit files out of nowhere on my Transunion report. I called them they told me that they are taking them down and I should see it off of the report and that they apologized for any inconveniences that it caused. To this day all XXXX inquires are STILL sitting there and I have called profusely to get them removed a lot of them have hung the phone up in my face and was very rude to me. I NEVER got a 5 day notice about any thing that was going. I informed them of that and they still did nothing about it ( FCRA Violation ) I spoke with Anye, XXXX, and XXXX today and XXXX and XXXX hung up me after stating that their supervisor told them that its nothing that they can do about the inquiries. I asked them so are you going to sit on a recorded line and openly admit that you and Transunion are operation this issue in FCRA code violation? They said that 's their job!! ARE YOU KIDDING ME? These are people life 's that are being effected here, not some random stray dogs off the street. Theses XXXX inquiries need to be off immediately. I am also contacting the XXXX XXXX XXXX about this..!!!!!

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 10/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Recently I applied for one of " Navient, '' the largest student loan provider, with one of their " Income Driven Repayment Plans '' on their website. Yet my Student Loan " Amount '' and the " Interest Rate '' that I was quoted and guaranteed on their " Navient '' website was NOT what they mailed to me to  accept.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Trouble during payment process

Complaint: Re : loan #  XXXX . In  XXXX  of  XXXX  my wife and I closed on the purchase of our home listed herein. The closing statement did not contain a provision for establishing a property tax escrow account. WFHM contacted me about  XXXX  of  XXXX  seeking me to acknowledge that there was an obligation for me to pay into such an account. Since then I have been paying, when due, all mortgage an  XXXX   XXXX   XXXX   escrow. Additionally, voluntarily, under coercion from WFHM, I have been paying sparingly contributions to be directed to property tax escrow. Since then I have been deluged with letters, phone calls and emails from WFHM coercing me to agree that I must pay into such account. This harassment has caused me great stress and mental anguish. On  XX/XX/XXXX  I received a letter dated  XXXX  from WFHM stating they redirected? the  XX/XX/XXXX  mortgage and  HO Insurance p remium escrow payment to an unapplied account. This action was done unilaterally and without my consent. I consider this type activity as fraudulent and dishonest. In the aforementioned letter WFHM continues to refer to a property tax escrow payment as contractually obligated. This reference is clearly wrong since there was no such provision in the closing documents as previously mentioned herein. The closing disclosure form emphatically states that monthly mortgage payment includes principal and interest plus t he HO insura nce escrow. Again, no mention of a property tax escrow payment requirement. I seek that WFHM acknowledge the fact that the contractual residential home purchase closing statement does not contain a provision for establishing a property tax escrow fund, secondly that WFHM cease all efforts to coerce me into acknowledging that one exists and collecting from me funds to be directed to that purpose, thirdly that all principle, interest a nd HO insurance escrow p ayments be applied as stated in my payment coupon.     This is a follow up to my previous above written complaint which went unresolved.  Wells Fargo  Home Mortgage sent me a letter dated  XXXX   XXXX ,  XXXX   ( a ttached hereto ) which does not address my above narrative. In the aforementioned lett er Wells Fargo Home Mort gage continues to demonstrate their fraudulent and unfair business practices. There is no due amount required as WFHM alleges. The contractual home purchase closing documents do not authorize or establish a  property tax escrow account. WFHM alleges that there is a VA flow-down requirement placed upon the borrower. However, when asked to produce the document to me to verify truthfulness and accuracy WFHM tells me it is confidential and would allow me to review it. Even when I agreed to a non disclosure agreement.

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 08/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (TX).
Issue: Received a loan you didn't apply for

Complaint: Received an email on XX/XX/XXXX stating that I was approved for a {$400.00} loan and that my first payment was due on XX/XX/XXXX. I immediately called the company from the email by the name of XXXX XXXX and spoke to a lady customer service rep and explained to her that, I did not apply for a loan from this company ever and asked what personal information of mine they had on file. She did give me my correct information but all the information was very old. The employer they had listed, I havent work there since XXXX and the address they have on file, I moved from in XXXX. The phone numbers are very old and has not been in service for like 4 years. The bank account that was on file has been closed for about 4 years also. I explained to her that someone has to be using my old information. She stated that she would speak with her supervisor and request payment to be stop from going into that old bank account. On XXXX/XXXX/2017 I received another email stating that my payment was returned by my bank for non sufficient funds ( even though the first email said payment due by the XXXX ). I called once again and this time the lady stated they were working to resolve this matter and I have not recieved a response about the outcome. As of today I went to their website to see if that account was closed but its still showing active with late fees. This is fraud and stealing off my personal information they probably bought from an old company. The IP address XXXX XXXX showing at the time the loan was accepted does not match my IP address.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Other bank product/service) with CONSUMER PORTFOLIO SERVICES, INC. (TX).
Issue: Account opening, closing, or management

Complaint: I have noticed an inquiry on my credit report from Consumer Portfolio Services, CPS, I called the number provided asking them to remove the inquiry since I have never applied for a loan through them nor have I given them a permission to pull or check my credit, after few minutes of questions they assured me that it will be removed, it has been almost a year and nothing was done, I called a couple of weeks ago the same number & was told that they have no record that the inquiry was supposed to be removed but this time it will be taken care of ... .... I honestly do not trust these guys and need help with this issue. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: When  XXXX  made the change from  XXXX  to Visa,  XXXX  issued me a new credit card. I am also a   XXXX   banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out v ia   XXXX   XXXX     credit score mon itoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX   membership fee ( automatically ) on that card, and was never told about it. By that point my payment   was about 6 months late and had an addition   XXXX   dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX    dealt with this situation poorly.      However, this event has turned out to have a profound impact on my  credit score.  The day it happened it fell b y   XXXX  points  , and has recovered    XXXX     points  in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: Recently there was a massive data breach at Equifax. Said data breach has put at risk the financial security of hundreds of millions of Americans. 
Out society is such that our credit score deterined by this company will determine the trajectory of your life. 
In the recent events, the only option to truly protect your credit score is to enact a credit freeze at each credit agency. This will cost almost EVERY American 10 dollars per agency for a freeze and to remove a freeze. That is {$60.00} for each of the 143 million Americans for the mistake of a company performing a service that most of those Americans did not request. 
I know I do not want to pay the fee to freeze because why should I give money to the people whose fault this is. 
There should be no fee to freeze one 's credit, especially given the current circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took a Parents Plus Loan for my daughter in XXXX when she started at the XXXX in XXXX CT. It was $ XXXX. so {$40000.00}. I had to put it on forbearance a couple of times and here we are XXXX years later and the balance is {$47000.00}. Really? I have called Navient and all they tell me is that interest. I pay {$400.00} per month and it is not going down. I am going to be XXXX in XXXX and I DO NOT want this coming out of my Social Security check NOR do I want to hear Parents Plus Loans are not eligible. My daughter gives me the money, but over {$50000.00} has been paid. Why do we owe {$47000.00}?? This just is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my account it says i have missed a payment but i have never missed a payment. I only had a late payment and my credit score lost a couple of points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (I do not know) with Penn Credit Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX have posted XXXX delinquent account on my credit that does not belong to me, the account belongs to my wife and she already paid it off, she just issued a card for me under her account so why they issued that on my credit,,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Originally I had my loans through  XXXX   XXXX  and they had set me up with a repayment plan. After a few years of paying I found out they had set me up with an interest only payment. Being a young student and a  XXXX   XXXX  I thought they had setup a repayment plan just like a car, so I had setup an automatic payment. To find out that the {$500.00} a month I was paying was just interest alone and my interest rate was over 10 %. When I called about being in the military they said I did not qualify to get a military interest rate even though I spent 6 years and several months in  XXXX  back in  XXXX . I finished school in  XXXX  and not knowing well they placed me on a new repayment plan after trying to decrease my interest. They did decrease my monthly payments but now I will be in debt with them until  XXXX . Now from time to time I login and find I do n't have a payment due then I receive an email saying I have a payment due. Their system is not accurate. Being young and not understanding I trusted my school. Now understanding better, I will end up having to pay them ov er 2 to 3 times what my classes cost me for all their fees and interest charges. Can anything be done to assist?

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Payday loan () with CURO Intermediate Holdings (ID).
Issue: Can't stop charges to bank account

Complaint: See previous complaint for initial details. 

My account was attempted to be debited twice. Speedy Cash stated in was " impossible '' for them to have attempted a second deduction. I sent bank information proving my account was attempted a second time, regardless of what they claimed in their answer. I received an email back from them stating they would refund " ANY '' fees associated with their error after 3 days. This was a contradiction to what they were stating before when they were refusing to issue a credit even though it was verified as an error on their side. 

Speedy Cash finally issued ONE {$29.00} credit, however, they failed to issue a second credit for {$29.00} and I have now incurred a {$10.00} Negative Balance Fee from my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: This is a follow up to complaint # XXXX. 
On XXXX XXXX I submitted a complaint referenced above about Bank of America not following federal guidelines. Our area was hit by Hurricane Irma and declared a FEMA as eligible for individual assistance. 

Since this complaint I have been assigned three different XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX, XXXX XXXX and now XXXX XXXX ) I have stayed in contact with the these various contacts throughout the forbearance process. I have received numerous piles of forms from Bank of America and each time I call them they tell me to ignore the paperwork. 

On XXXX XXXX, XXXX at XXXX XXXX I contacted XXXX XXXX ( XXXX ) XXXX. During that call XXXX informed me that I will not need to pay the total amount due and that my payments during the forbearance period will be added to the end of my loan. This is in accordance with the federal guidelines. XXXX then informed me that I will resume my mortgage payments starting on XXXX XXXX and there will be no penalties and the loan will resume as normal. They did note that there may be an escrow adjustment in the near future but that the payment would remain the same. I requested that this be in writing. XXXX told me that the call is recorded and that my account reflects these approved changes. 

Bank of America produced a letter on XXXX XXXX that i received XXXX XXXX ( attached ). The letter clearly states that if I do not make the payment in the full amount owed during the forbearance that I will be assessed late fees and more than likely be reported to the credit agencies. 

I have no trust in XXXX XXXX XXXX and I they have never provided me with accurate information. I have made numerous phone calls and I have even stopped by my local branch office at XXXX XXXX and XXXX XXXX in XXXX, FL. 

The purpose of my complaint is to report that Bank of America is not providing consistent information and that they are still violating the federal guidelines for XXXX XXXX loans approved for individual assistance in area declared disaster area by FEMA.

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 08/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was the victim of identity theft and the company cancelled the fraud claim And someone closed the account suddenly when it was supposed to be reopened to dental visits

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded  my 10 year old loan as "  closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stude nt loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTION. 73 AmJur 2nd, Section 90. 3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT! Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.

Company response to consumer: Closed with explanation