milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Dear sir or madam, I am writing this complaint in regard to my lender, Navient. I have been attempting to contact Navient for the last couple of weeks regarding my monthly payments - specifically, potentially lowering my monthly payments since I am not only unemployed, but my payment amount has gone up with no explanation ( it is now {$500.00} when it was about {$480.00} only a couple months ago ). I have emailed Navient twice ( XXXX XXXX and XXXX XXXX of this year ) with the promise that my account would be reviewed and that I would receive a response shortly. I have not gotten a response to either email, and I think that more than two weeks should be enough time to be at least acknowledged by a live person from Navient. 

I submitted a complaint here about Navient in 2015 and I have filled out the financial information sheet that was emailed to me by a XXXX XXXX XXXX XXXX ; I attempted to email the completed form to XXXX XXXX, but when I sent the email, I immediately received an automatic response saying that my email could not be delivered because " delivery to this address is restricted. '' In addition, I requested proof of validation of debt from Navient starting in XXXX of 2015 and repeatedly reminded them of my request in the handful of letters I sent to them via the postal system. Navient simply told me they had already sent me this documentation, but I never received it. 

The primary concern I would like to address is the monthly payments and trying to negotiate a lower amount that I can afford each month. Of course, I will alert Navient if, at any time in the future, I am able to afford to pay a higher amount. The secondary concern I would like to discuss is Navient providing me with proof that the debt in my name is, in fact, valid. Thank you very much for your time. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AR).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: My name is XXXX XXXX XXXX Social Security XXXX XXXX. On XXXX XXXX, XXXX we received a call from USAA Fraud Department regarding deposits on my checking account ( account number XXXX ). I had applied for a loan on line that I thought was from eloans, but apparently it was not. Some how they made deposits with personal check from closed accounts and accounts with insufficient funds. 

The bank thought I had made these deposits which I did not however, it has caused us a multitude of problems. Currently are checking has been placed on a credit only status starting XXXX XXXX or XXXX thru XXXX XXXX, XXXX. My Military Retirement Pay, VA XXXX and my wife 's Social Security have been direct deposited into the account, as I was not able to change those deposits before the cutoff dates. 

I have contacted USAA on several occasions trying to get some funds released as the account has approximately a {$2000.00} dollar balance ( unable to access they account for precise balance ) so I could pay our utilities before they cut them off. 

We ( my wife and I ) do n't know where to turn or what to do as the bank refuses to release any of our funds and are hoping that you could provide some help or guidance. 

Thank you for your time and any assistance that you could provide regarding this matter. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding Equifax. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Other transaction issues

Complaint: On Monday XXXX XXXX I attempted to transfer XXXX from my Wells Fargo savings account To my Wells Fargo checking to cover a check I had written on Sat XXXX XXXX. Wells removed my XXXX and applied it to a Wells XXXX creditcard account with " XXXX '' balance. XXXX at credit services states that my money will not be transfered back to my checking account for approximately 30 days while research is being done, due to the large amount. Meanwhile the check written on the XXXX was covered by overdraft, to which I will be charged fee 's. XXXX ( XXXX XXXX wells customer care case # XXXX ) confirmed they will not return money until researched. 
they were able to remove the money immeditely but now want to hold for THEIR benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Payment to acct not credited

Complaint: Borrowed {$800.00} from Red Rock Lending, the XXXX was not disclosed and it was 849.0116 %! I had scheduled automatic drafts to come out of my bank account in the amount of XXXX. And after the last draft came out to cover my loan amount, they continued to draft and I have to stop payment on them. This was last year. I have now been harassed by some company called XXXX XXXX saying that I owe XXXX. They are calling my job and people I know. I have no idea how they got their numbers either. They call me 5 times a day. I have never received any formal letter saying about owing money either from either company. The way the company was talking to me was like a scam and when I asked for formal documentation they started to get defensive and said " guess we will continue to call you everyday '' and " good luck ''. I do not find this to be the typical behavior of a credited company. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it my concern : My name is XXXX XXXX, I have a Loan with WellsFargo, Loan # XXXX and I have a complain the way WellsFargois handling my situation and the way how they have been treating me. 2 years ago I was in XXXX I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked WellsFargo for help asking for a Loan Modification program or any other relief available. It is very hard to deal with wellsFargo because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by XXXX many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past two years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from XXXX XXXX XXXX, I am frustrated and stress and I feel WellsFargo is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to WellsFargo to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I 'm wondering if WellsFargo does n't want to help me because my name is XXXX XXXX and I am XXXX I feel discriminated by WellsFargo. 

XXXX published on XXXX/XXXX/2013 " WellsFargo former employees : We were told to lie '' the article is based on employees of WellsFargo routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AllianceOne Recievables Management (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Alliance One shows on XXXX. I sent in proof to other credit reporting companies as well and the debt was removed from all but XXXX. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on XXXX. XXXX XXXX did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This loan originated in 1987 and was originally with Fifth Third Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Credit decision / Underwriting

Complaint: The lender, XXXX ARM Trust Mortgage Pass-Trough Certificat XXXX XXXX XXXX, XXXX XXXX Bank XXXX XXXX, as Trustee as Serviced by Specialized Loan Servicing LLC, which I have my mortgage loan for my home located at XXXX XXXX XXXX, XXXX, CA XXXX, is claiming that I have not paid my home mortgage payment since XXXX 2015 which is totally wrong. And to make things worse they reported it to the credit bureaus. Every month we call the lender to pay the mortgage and they take the payment from our bank account, purchase a XXXX XXXX check, which we pay for it. After the payment is done, they send us a copy of the XXXX XXXX receipt. This has been happening for the last 5 years without missing any month. 
At this time our home interest is variable so we are trying to refinance to get a fix rate. When we contacted some lending companies we found out that they are claiming we have not paid them and we got reported to the credit bureaus. On XXXX/XXXX/15 we sent the lender a letter requesting to remove the wrong information reported to the credit bureaus and provided proof of every payment made every month through XXXX 2015. We receipt a letter that it was going to take at least one month to investigate the case. This is affecting our credit as well as stoping us to refinance our home loan. We need to have a quick response as we are afraid that the interest rates will increase and we will not be able to refinance. In addition, about one year ago they were trying to do a short sale with our home saying that we missed the mortgage payment. Again, that was wrong, our attorney deny the request when we proof that we have been making our monthly mortgage payments. We believe these are unnecessary and wrong procedures on their part. We would like them to removed wrong information reported to the credit bureaus, approve and report to the court that they agree that our debts to them through the Chapter XXXX is zero and information can get recorder accordingly. 
We will be happy to provide information to back up our theory. l You can reach me at XXXXXXXXXXXX or you can call me at XXXX with a response to our request.

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 Pinnacle Credit Services, LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a fraudulent account and it 's keep coming back as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Other transaction issues

Complaint: On XXXX I did a transfer to XXXX, when the recipient went to get it on the XXXX of XXXX he said that the money gram agent said the money has been picked up so I called money gram on the XXXX and the agent said the same thing, I explained to him that the recipient did n't get the money, that agent told me to ask the recipient to return back where he tried to collect the money and have them check the computer so he did, but the agent in XXXX told him to tell us ( his father and I ) to go back where the money was transferred to fix the problem. On Tuesday XXXX XXXX, 2016 I went back to the location and that agent said it was picked up when I explained the situation she called money gram and put me on the phone with them. I explained the situation to the XXXX ( the agent on the phone ) and she was asking me some irrelevant questions like do I know this person, when was the last time I saw that person face to face, what is my relationship with that person, why did I send him the money, what did he tell me he was going to use the money for. I told her that those types of questions are irrelevant, stupid and have nothing to do with my concerns all I need from money gram is to tell me who picked up the money and what kind of ID was used by the recipient for the agent to release the funds. XXXX said that she could n't see that information, all she was able to see was that it was picked up and I find that to be not true. Because what is the purpose of asking for picture ID if it will not be used and entered in the system as evidence that the recipient is the XXXX collecting the funds. She told me that money gram will open an evestigation and I will be notified in 90 days about the result. I told her that I could n't wait for that long to get an answer. Now let me say that this is the first time I am in this situation with both the recipient and money gram and I am aware that the recipient may be lying to us although he never done it before and I strongly believe that money gram is responsible to provide me proofs that the recipient picked up the money instead of interrogating me and I told XXXX that, if the money was picked up what was used then I know the recipient is lying to us or if it was not picked up how do I get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with ERC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had an account with XXXX XXXX and singed a two year contract. After five years I cancelled the contract, be fore canceling I called a representative at XXXX XXXX and they insured me their was no penalty for canceling. I never renewed or agreed to renew my contract. Shortly after that they sent me a bill for XXXX. I have made several phone calls to XXXX XXXX. They can not justify the billing.. In spite of this they turned the matter over to a collection agency and filled a negative claim to credit reporting agencies. I have contacted them buy phone and by mail, and they still have a claim against me. .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Money was not available when promised

Complaint: paypal is holding my money {$220.00} and will not let me send the funds to my bank. All the items I have sold have been to delivered to customers, XXXX is holding my money. I want my money to be released so I can withdraw it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2015 about Debt collection (Medical) with Fidelity Properties Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This collection is still on my credit report after I was told the balance is {$0.00} by the original creditor. Fidelity collection refuses to take it off my credit. It 's still on there as open. It is causing me to not be able to purchase a home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account does not belong to me. I do not know where this account came from but it definitely is not mine!

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 12/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit determination

Complaint: I have XXXX capital one hard hit inquiries on my XXXX Credit Report. I do n't allecall recall applying for credit from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold on XX/XX/2017. I found this out when I logged in to view my tax documents. I received no notification for the company selling my loan nor the company who purchased it. I called the seller company and asked who they sold it to, They claimed it was XXXX, however the customer service number they gave me belonged to XXXX. I called both companies and neither one have my SSN on file or any information about a transferred loan. It is almost time to pay my next mortgage payment and I have no other ways to track it down. What should I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I requested an investigation with XXXX XXXX into my XXXX XXXX account, because as of XX/XX/XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XX/XX/XXXX, and as of this writing the account still stands in the negative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with Creditors' Protection Service, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I 've been off work due to illness for the past 8 months no income at this present time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I first began my loan with XXXX XXXX in XX/XX/XXXX ; after which XXXX XXXX transferred my loan to Navient. My original loan was for {$20000.00} and each invoice generated by Navient note " Consolidated '' loan but they do not indicate more information such as the type of consolidated loan. 

After trying to contact Navient this year ( XX/XX/XXXX ) to inquire about my participation in the Loan Forgiveness Program, Navient told me that I could not participate unless I would switch to another federal consolidated program at a higher interest rate and make another 120 payments. As a loan provider, Navient did not take any steps to notify me of the type of loan would not qualify for the Loan Forgiveness Program. Every single statement I have from Navient has not indicated more than my loan was consolidated. Navient had 10 years to notify its consumers but chose not to. My current balance is {$11000.00} however total amount to be repaid is also noted as {$12000.00}. 

In XX/XX/XXXX, I contacted the U.S. Senator 's office to create a complaint and they advised to contact the Department of Education. Dept of Ed evaluated my complaint and then notified me to contact CFPB as a case had been opened against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was called on my cell phone by XXXX XXXX XXXX on XX/XX/2018 at XXXX PM. The lady on the phone identified herself as XXXX ext number XXXX. She was collecting a debt that wasn't mine. She told me the individuals full name, Date of birth and address. I asked to speak with her manager and she passed me to XXXX XXXX. I informed him of what had taking place and he said he would look into it. I know this isn't your typical complaint. This is however how identity theft happens. I'm sure had I pressed XXXX a little harder I could've gotten at least the last 4 of that mans social security number. I didn't even have to try and she told me all this information. I'm floored that this could happen so easily. I dont ' need a call back I just want this to not happen to anyone else.

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