milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I borrowed {$70000.00} to cover both XXXX and XXXX degrees. I was a XXXX and a XXXX XXXX was required to remain employed. I unintentionally defaulted on the original loan but did all I could to reinstate. I paid {$350.00} a month for a full year to do this. After doing so I was rewarded with a {$1500.00} a month payment and a new principal of {$190000.00}!! With interest I will have to pay almost a half a million dollars! If this is not the definition of predatory, what is?

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XX/XX/XXXX, I received a phone call from XXXX XXXX from Worldwide Recoveries, asking for my address and threatened to take me to civil court for a debt I owed in XX/XX/XXXX.A also threatened to serve me with court papers at my job. I asked him to call me later because i was at work. he continue to be persistent on setting up a payment without the ability to provide me with details of this debt in writing. He could not mail me details pertaining to this " debt '' i owed and seemed to be in a rush to receive an agreement to settle. I told him I need to review with my lawyer and call him back. He demanded that I need to respond within a few days or I will be sued in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: To whom it may concern, My name is XXXX XXXX XXXX and I lived at the Village in XXXX XXXX XXXX XXXX, an XXXX XXXX Apartment complex. We moved out on XXXX XXXX XXXX from the village and we " accumulated '' {$930.00} worth in move out fees ( Attached to this email is the balance sheet ). I have tried in multiple occasions to contact them and XXXX XXXX and I have had the run around for a while. I used services such as the XXXX, XXXX XXXX XXXX XXXX ( Complaint ID : XXXX # XXXX ) and other bureaus to seek mediation and they have still been negligent to handle our problems. The Village has in multiple times tried to collect the debt from my roommates XXXX XXXX XXXX and XXXX XXXX XXXX with out notifying me even sending letter with only their names and not mine. I have reached out to them thru different dep and was able to get help in the matters. On XXXX XXXX was the last time I emailed the Assistant Manager at XXXX XXXX and requesting her to please escalate my concerns to her Manager since I have been requesting information and she has not been addressing my requests. The dispute is pictures they are providing showing that our carpet was above normal wear and tear and are charging us for the full replacement of the apt carpet and the decon of the cement because they are stating that the stains were so bad that the cement was damaged. After requesting images of the cement, the dimensions of the stains ( since we could not make out the size of the " stains '' thru the pictures ), the carpet ID # on any paper work that we signed ( since they provided a picture with the ID # on it but our paper work does not reflect that ID or anything of that matter ) I never received an email from XXXX XXXX or XXXX company since I did CC them on the email and no one responded back. On XXXX XXXX XXXX my roommate XXXX XXXX received a letter from XXXX XXXX XXXX XXXX stating that XXXX XXXXXXXX sent the expenditures to them for collections. I do not understand why XXXX company keeps doing such things if they have been negligent to respond to me and I never received a letter XXXX XXXX and XXXX still live with me in a different address ) nor did XXXX. I contacted XXXX and discussed the matters and they stated that they did not have our addresses yet they had Isabels and we all have our letters from the Post office when we requested the address change and we provided that address to XXXX XXXX.

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 07/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: There are serious issues with the loan documentation. The note is not the original. I am requesting a copy of the original note, all assignments and the other documentation listed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: USAA has been sending unauthorized ACH Payments to XXXX under different accounts for 2 years. They are refusing to do an investigation and teturn my monies I have photos of excessive ACH withdrawals from my checking. I am requesting someone to investigate and follow up! I am overwhelmed with multiple banks and transactions since My identity has been compromised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am to report a HIPPA Violation on an outstanding medical balance on all 3 of my credit reports. I sent a certified letter to Paramount Recovery on XX/XX/XXXX requesting that they validate the alleged debt and that I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. My letter also stated that I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient’s authorization. Therefore, my request is twofold—validation of debt and HIPAA authorization.  On XX/XX/XXXX I received an envelope that consisted of my medical records from XXXX XXXX XXXX XXXX, which is a violation. I am requesting that the charges be removed from my credit reports w/ XXXX, XXXX and XXXX (any credit bureau that they report to) due to I do not owe Paramount Recovery. I did not give permission for any medical provider to release any of my medical information to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: Wells Fargo bank engages in punitive practices by not accepting bank transfers into checking or savings, from other banks UNTIL the close of business on a day when the transfer bank shows the money has been successfully transferred out. This results in penalizing the consumer with Insufficient Funds fees to primary checking, and transfer fee penalties assessed to the consumer 's Wells Fargo back up savings or credit card accounts. 
Wells Fargo refuses to make proper credits to the consumer, and then has free use of the transferred funds until the close of business. This is PREDATORY. 

UPON COMPLAINT, Wells Fargo reversed the charges, thereby WIPING any trace of this fraud. Attached account records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with DISCOVER BANK (IL).
Issue: Credit determination

Complaint: Since filing for mortgage assistance several years ago, my personal credit was wiped out starting with XXXX XXXX XXXX as my mortgage holder. The only credit card I currently have is Discover. I received a letter from them two months ago stating that they would not be renewing my card which expires in XX/XX/XXXX. I was fine with that. I have been paying XXXX the required amount for some time now. I was watching my Fico score ( which they provide for free ) go from XXXX to XXXX. I received an email today stating they were increasing my limit by {$800.00}. By doing so, it DECREASED my Fico back to XXXX. I never asked for this limit increase and why would they do this if their plan is to terminate my account? 
I was not expecting my business to fail in XX/XX/XXXX nor was I expecting my signed XXXX contracts with my customers to fail. I believe this is a fraudulent tactic on the part of Discover ( who is tied to XXXX who also terminated all my other accounts ) to keep me from ever being able to rebuild my credit. I refuse to use their card again and will pay them off as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: The reason for this complaint is due to an overdraft that Regions bank did to my account. Let me explain : I had a positive balance in my account and they charged me XXXX dollars overdraft fee for XXXX transactions a total of {$180.00} ; I went to the branch and they told me that the " future purchases '' did the overdraft on my account, I 'm attaching a copy of pending transactions for you to review. This is a small business account and they put me under stress, given that I needed that money for some bills I needed to pay. ( electricity, internet etc. ) which are very important for me because I need them to run my business. 
I truly will appreciate if you help me with this situation. 

sincerely, XXXX XXXX.

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 monetary relief
Consumer complaint received 09/21/2016 about Debt collection (Medical) with Oliver Adjustment Co. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am getting repetitive debt that I have to dispute monthly, I would like to not have to do this as this account is fraudulent and I have already had it removed, It continues to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a XXXX collection on my Experian credit report starting XX/XX/XXXX. Up to now, Experian still has not removed the XXXX account even after I submitted proof of XXXX balance on XXXX of the account. I informed them that XXXX is submitting incorrect information.How can I have XXXX accounts opened at the same time? Also, how can I receive a credit and a check after I moved and closed my account? Experian is refusing to remove this debt collection account based on XXXX unwilling to rectify this incorrect information reported on my credit report. Experian quickly concluded their investigation in a matter of days and did n't provide me with details as to how they concluded the debt is valid. I need to have this debt removed and for the time clock not to be restarted because I am disputing them with CFPB. Account Number starting with XXXX is not my account and states it was open XXXX. While the correct account XXXX was opened XXXX and last status was on XXXX. This is from Experian report number : XXXX/Report Date : XX/XX/XXXX when I requested my free credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: After attempting to close a Chase Amazon credit card account I noticed that I had been charged over {$2000.00} in fees. Keep in mind that the credit card limit was only {$1000.00}. I have disputed the charges but I did not receive any results. It does not surprise me after leaving the military I had a auto loan that was automatically deducted each month. The problem was after I left the military the deductions continued after monthly deposits stopped. The account was overdrawn and before I noticed the account was sent to collections. I paid the day it was supposed to transfer to the collections company but Chase still reported the account to XXXX XXXX. My point being that Chase has a past of not talking care of even long time customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (AR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received a call on Wednesday, XXXX XXXX, 2016 approximately around XXXX. to XXXX. in regards to my XXXX XXXX XXXX XXXX, which has defaulted and has gone to this collection agency : TransWorld Systems, Incorporation, telephone number : XXXX. 
I am so angry the way this gentleman talked to me on the phone. He made me feel like I was " NOTHING. '' I am so upset right now. When this collection agency first called several weeks ago, I started out speaking with XXXX XXXX. XXXX XXXX called last week and she stated she noted my account of what I was currently doing to resolve this debt. I do not use offensive language, but this gentleman that called me caused me to use offensive language. You do not call somebody 's house and speak to them in a way that makes them feel like they are incompetent, ignorant, and beneath you. They are going to keep hassling me about this student loan XXXX and they, XXXX XXXX XXXX XXXX XXXX is not going to get one dime because I DO NOT have a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: been trying for over 3 years with nationstar for a load mod., in that time i have worked with over 100 of thier workers never the same person which is not good when you trying for something so important, i have mailed or faxed what they keep asking for only them to syy they never recieved it or needed more, i was always willing to send because this house is important to myself and my XXXX wife i have read where nationstar does this all the time i need your help that

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I submitted a XX/XX/XXXX senior citizen exemption application with the XXXX County Assessor. I received a letter from the Assessor dated XX/XX/XXXX indicating that after review, a Certificate of Error was issued and a refund of {$760.00} was to be refunded to XXXX XXXX via the XXXX County Treasurer 's Office. Unfortunately, because our real estate taxes are paid directly  by XXXX XXXX XXXX ( escrowed through our monthly mortgage payments ), the Treasurer 's Office mistakenly sent the refund check to Ocwen, which was received and placed in our escrow account as a " tax credit '' on XX/XX/XXXX. On XX/XX/XXXX, I contact Ocwen and explained to them that the refund was supposed to be sent directly to our address. I was then asked to fax the XX/XX/XXXX letter to Ocwen 's Tax Dept. I sent the fax and requested that the refund be sent to us. On XX/XX/XXXX, I again contacted Ocwen regarding the status of the refund check and was told that the matter " was still under review ''. Agent No. XXXX ( XXXX ) confirmed receipt of the XX/XX/XXXX fax and that our account status had been updated as of XX/XX/XXXX. She asked me to call back in a week for an update. On XX/XX/XXXX, I again contacted Ocwen for an update and spoke with " XXXX '' who indicated that the Escrow Dept. would have to review. I objected and he transferred me to the Escalation Manager ( XXXX ) who indicated that she would " escalate '' the matter and get back to me within 2 days. On XX/XX/XXXX, XXXX called me and informed me that our refund request had been submitted both the Escrow Dept. and the Office of the Ombudsman, and that there was no update as of yet but that she was monitoring the status on a daily basis and would request a update that day. Today, XX/XX/XXXX, I received a call from XXXX ( Escalation Manager ) informing me that an " Escrow Analysis '' had been order and that after consultation between the Escrow Dept., the Tax Dept. and the Office of the Ombudsman, it was determined that beginning with our XX/XX/XXXX, our monthly mortgage payment would be " reduced '' by @ {$64.00} a month for 12 months to " account '' for the {$760.00} tax credit that Ocwen erroneously received. I explicitly stated to her that I was refusing said resolution and again requested a refund of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Balance transfer

Complaint: On XXXX XXXX, 2015 a balance transfer check was sent to Barclays U.S. Airways Dividend Miles Master Card ( Barclays ) account from U.S. Bank XXXX XXXX ( Visa ) account in the amount of {$4500.00} ( my entire balance ). XXXX has proof that Barclay 's cashed the check ; however, the balance transfer is not reflecting in my account. The balance on my Barclays card should be zero dollars. It is still incurring interest and I am being charged late fees, plus, the full balance is showing up on my Visa card and my Barclay card. This means that I am carrying double the debt and required to pay XXXX the interest rate charges. I submitted a formal complaint with Barclays on XXXX/XXXX/2015. My case number is XXXX. I faxed a typed complaint letter and a photocopy of the check to Barclays on XXXX XXXX, 2015. I have proof of that of fax confirmation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A company " XXXX XXXX XXXX XXXX XXXX '' has become attached to my credit report and keeps bothering me for money saying that I owe them money. I never borrowed any money from them, do not know who they are, or how they messed up my credit report. I talked to a lawyer about it and he said I did not owe them any money, and what they are doing is illegal. How can they do this illegally, and putting themselves on peoples credit report and keep getting away with it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XXXX/XXXX/XXXX. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them. You did not address the following as I previously requested : Here are the additional fraudulent items that were charged after XXXX/XXXX/XXXX which were never addressed : 1 ) XXXX in XXXX Ohio on XX/XX/XXXX and XXXX/XXXX/XXXX the one on XX/XX/XXXX was credited back but not the other. 2 ) there are XXXX charges for {$7.00} for the fraud detector on XX/XX/XXXX and XXXX/XXXX/XXXX can you tell me why i was charged twice in the same month 3 ) XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I cant recall this charge as well 4 ) the over the limit fee 's that XXXX incurred after XXXX/XXXX/XXXX due to the fraudulent charges. If you can address these as well I 'd greatly appreciate it.If you need to speak to me please contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( XXXX ) old outdated information from over 10 years ago

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian credit has refused to unfreeze my credit causing harm. XXXX XXXX, XXXX   unfroze my credit in 10 minutes after finally reaching customer service they ran me through the gamut after 15 minutes XXXX comes back on the phone it tells me he cant ask me security questions to unfreeze my credit file. Unacceptable I complained earlier in the month about their service they took it to heart apparently since I could not get a customer service representative back on the phone because they never answered my call they blocked me out I went online to my Experian account they locked me out of that and told me to call their number which they never answered and hour later hour and a half later never came on the phone Im trying to get insurance coverage on my home in my car and I cant get Experian to unlock unfreeze my account this is unacceptable it is been painfully mentally and physically a bad day for a company to do that to a customer something must be done to stop this unacceptable business practices!

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