milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Loan Original Disbursement - {$21000.00} - Payments made towards Loan - {$14000.00} This loan has been on repayment and throughout time I have paid off {$14000.00}. However I still have an unpaid principal amount of {$32000.00}. The interest rate, fees and terms seem to be a scam. My remaining balance after interest should be hovering around $ XXXX instead it is nearly {$33000.00}. The loan is making around {$25000.00} if I pay off the loans currently OR if I continue to pay off the loans the company is making nearly {$36000.00} off of a {$21000.00} original disbursement. This is disheartening as the {$14000.00} payments that have been made seem to have gone no where except to a entities pocket. Please inform me what can be done to bring my remaining balance to a manageable number as I have nearly payed off the original disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is in foreclosure and I applied for a modification with America'a Servicing Company in XX/XX/XXXX. XX/XX/XXXX I received a denial of the modification stating that was my calculated income was insufficient to support a modification because the modified payment would be 42 % of my income. I hired an attorney to appeal the decision because I believed the decision was not accurate. My attorney appealed the decision and showed that the income that was used was not correct, that it was actually considerably higher than the income showing on the NPV test results attached to the denial. The appeal was also denied for the same reason. My attorney resubmitted the entire modification package on XX/XX/XXXX showing that my monthly income was in fact {$10000.00}. per month, not the {$7700.00}. per month that the denial stated. On XX/XX/XXXX I received another denial from America 's Servicing Company stating that they were not going to review my application again because the change was not substantial enough to conduct another review. I feel that is both unfair and ridiculous. They will not review my application when they were wrong i n their calculation to begin with which is why I was denied and even after I proved that they were wrong they would not reconsider. Additionally, that is a XXXX % difference in my income. I think any reasonable person would consider a XXXX % increase in their monthly income to be substantial. There is no justifiable reason for the denial, my documents clearly show that I can afford a modified payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (FHA mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX and IMPAC/XXXX XXXX are charging my husband and I 5 % interest for our monthly mortgage. I understand that this rate is too high. I spoke with another mortgage company that I plan to refinance with and they stated that I should file a complaint against these XXXX companies since they are charging such an enormous interest rate. 

In addition, I was advised that this interest rate is even discriminatory because my husband and I are XXXX XXXX and are making a fairly decent income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Other debt) with Peterson Enterprises Inc. (UT).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: The date on this is from XX/XX/2016 originally from XXXX and sold to valley empire collections in XXXX Washington the state I live in is a non collection state and I was never once notified if this bill nor advised it was being sold. It is against policy I would like this removed from my XXXX report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TN).
Issue: Unauthorized transactions or other transaction problem

Complaint: I had used paypal for ages for all purchasing and selling online.

I had 2 items that had cases open cases because of the item being damaged.

I called paypal and they told me to have the customer open a case and agree to a refund and that paypal would cover me for the amount. I did. 2 weeks later they are going back on their story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX  client XXXX XXXX is a victim of ID theft ; his information was used to apply for credit cards without his consent. Disputes of that activity were sent to the creditors in an effort to remove those fraudulent related items from his report. Recently Experian credit bureau sent my client a letter stating they were not able to remove data from the credit report because they needed more information. Under FCRA guidelines that information was provided to them from the agency where the disputes was sent originally ( XXXX XXXX ) ; as they had the obligation to provide that data specific for the removal of the inquiry. In addition Experian already has the complete profile of our client because our client sent a request for an extended 7 year fraud alert on the Experian credit file. Currently Experian is violation of federal consumer law and is now jeopardizing my clients credit history by failing to comply with the law.

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 12/18/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, XXXX, I canceled my auto and home owners insurance policy with USAA. At the time we also canceled the auto draft associated with our insurance account. The auto draft came from our Checking account which is also with USAA. On XXXX XXXX, XXXX, without our permission, XXXX XXXX charged our account via auto draft, over {$400.00} for funds due on the canceled account. This resulted in an overdraft on our account. 
I contacted the XXXX XXXX department who referred me to the USAA Checking services. When I contacted USAA checking services to file a complaint, I was told there was nothing they could do since it was USAA Insurance that took the money. Apparently at USAA if something illegal is done between divisions, they have no interest in addressing them. 
My wife and I did not authorize this charge or release of funds. USAA has illegally accessed our checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-12-2018 about Checking or savings account (Savings account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a new savings and checking account using a promotion that I received in the mail the last day of XX/XX/XXXX. For the savings account, I was supposed to receive a {$200.00} bonus if I deposited {$10000.00} and maintained that for three months. On XX/XX/XXXX, after the trial deposits were confirmed, I moved the funds over as I was instructed to. On XX/XX/XXXX, I was charged an unexpected service fee on the saving account ; however, I then deposited extra funds to maintain the average daily balance of {$10000.00}. 

I contacted the customer service line twice. The first time I was told that after the three months, it sometimes takes a statement cycle or two for it to show up. On XX/XX/XXXX, I again contacted customer service and was told that I would have needed to deposit the {$10000.00} on the day it was opened. When I told them that the banker had said that as long as I transferred the funds shortly after the account opening date ( the trial deposits were confirmed on XXXX and I transferred the funds on XXXX ), it wouldn't be a problem. I was then told by customer service that I would need to directly contact the banker who opened the account for me at the branch. That same day I emailed the banker, XXXX XXXX, and provided the information above. XXXX XXXX almost immediately replied that he would work on getting this resolved. That email from XXXX XXXX on XX/XX/XXXX was the last time I heard from him. I have followed up on XX/XX/XXXX and XX/XX/XXXX, and I have not yet received a response. 

The balance in the account remains over {$10000.00} as of XX/XX/XXXX. XXXX XXXX stated that they needed to keep the copy of the promotion mailer for the file, so I no longer have it in my possession.

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 03-11-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (DE).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, I submitted a mortgage modification request to XXXX Loan # XXXX. On XX/XX/XXXX, I received a letter from Select Portfolio Servicing notifying me of a loan servicing transfer to their company, Loan # XXXX, to be effective XX/XX/XXXX. I continued to work with Select Portfolio Servicing on the modification request and, today, XX/XX/XXXX, I called to check on the status and was asked to resubmit documents that I had submitted numerous times already. I simply can not believe that this process is intended to take a year to complete and I only hope that there is an outlet to investigate whether this is a fraudulent practice while my credit score continues to be demolished in the interim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Dear President Obama, and CFPB : I am writing you to plead for assistance. XXXX individuals like myself are facing a student loan crisis and although we are hardworking people we do n't earn enough to eat. Two and a half months ago I obtained employment after being laid off and unable to find work. Prior to XXXX 2016 I was residing on the streets and utilizing food kitchens to eat. Last month I began receiving calls at work from the Student Loan Collection Company General Revenue Corporation and as a result was put on verbal notice by my employer that any further collection call at work and I would be terminated. I informed General Revenue Corporation that I just began work 2 months ago and did not have the funds to pay them. On XXXX/XXXX/2016 I received notice that my wages are going to be garnished. I was informed by General Revenue Corporation employee XXXX XXXX that they did not need court permission to garnish my wages and it would be going into effect immediately. 
I currently make {$16.00} an hour and after the state takes my retirement, federal, state taxes, and health insurance I take home about {$1600.00}. After being homeless for quite some time I finally obtained an apartment in which I pay {$700.00} a month and {$200.00} in utilities. I am currently on payment plans with the Internal Revenue and State of Arizona for messing up on my taxes while I was homeless. I owe over {$50000.00} in student loans. The loan with XXXX/General Revenue Corporation is XXXX of XXXX student loans. The payment for the first Navient loan is {$320.00} and the second Navient loan is {$110.00}. The {$200.00} I have left does n't cover my food for the month because I use the money to put gas in my vehicle to get me to work. 
I currently do not make enough money to pay living expenses and all my debts. I am an example of the working poor. I have a job but do not have money to buy food. I do not qualify for state assistance anymore because I work and they do not take into consideration that I have many people in the process to garnish my wages or the bills I pay. 
When the garnishment from General Revenue Corporation goes into effect I will have to quit my job. I will not have money left to put gas in my vehicle to go to work or pay for any necessities. I will essentially be working for free at least when I was living on the streets the state was willing to provide me with medical coverage. I know that there are XXXX people like myself who do n't have money to eat because of their student loan debt. We have no options and nowhere to turn. I am requesting assistance. 
Warmly, XXXX XXXX Cc : Presiding Judge over case # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Amount : {$550.00} I have repeatedly asked for evidence to support their reporting, but they have failed to provide me with a copy of any viable evidence with my signature substantiating their claims. Futhermore I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Allied Interstate made debt collection calls to me after verifying they received a faxed cease and desist by e-mail. Additionally, iQor, a company not licensed to collect debts in Florida, contacted me to recover money. They blatantly violate the TCPA, FDCPA, and FCCPA. Additionally, XXXX recalled the debt because it never existed to begin with.

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 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This referred to the complaint issued on XX/XXX/2017 ID # XXXX The XXXX XXXX XXXX XXXX XXXX ID : XXXX REGARDING MY MONEY IN THE AMOUNT OF {$350.00} PLUS XXXX A TOTAL OF {$360.00} I did not need to be addressed on the Terms and Conditions when in fact the Vehicle # 1 XXXX XXXX XXXX XXXX was returned on XXXX XXXX, 2017 and the transaction has been closed. I do not have the vehicle. There was no need to hold my money because XXXX had already released the funds to be place back on my cards since XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Creditor : XXXX XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, 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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: THE BUREAUS HAVE FAILED TO PROPERLY INVESTIGATE FRAUDULENT, ERRONEOUS THATS A RESULT OF IDENTITY THEFT

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 03/27/2017 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: After viewing a copy of my credit report, I noticed two collection accounts placed on my credit report from XX/XX/2015 and XX/XX/2015. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. 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. 
I had previously requested the following 3 from your collections services of XXXX which has never happened. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and according to my credit report from all 3 credit bureau agencies, you have already violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called my bank to make a loan to build my credit and the bank said that Equifax have my birthday year as XXXX and I was born in XXXX but I 've never done anything with my credit so now things i try to do with my credit I ca n't and Equifax said they dont have any information and not looking into it. I NEED HELP ASAP! Im In the process of getting a car and apartment and ca n't do anything with my credit! I need this fixed ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (IL).
Issue: Confusing or misleading advertising or marketing

Complaint: I recently purchased 2 items from XXXX using PayPal on XX/XX/2017 for the amount of XXXX. I noticed today XX/XX/2017 that my XXXX checking account was overdrawn due to the transaction. The descrepency being, when using PayPal as a payment method, my PayPal preferences are set both online and in store to draw from my preferred account, in this case, PayPal Credit. It did not, and instead my bank account was charged and lead to an overdraft. I had spoken to XXXX, very helpful and they directed me to contact PayPal, I immediately did so and they would not take my claim seriously, lied about their own policies, which are visible on their own website and it will draw from a checking account, only if there is no preference set for payment otherwise, which was and still is PayPal Credit. At the time there was sufficient credit line, and should have been utilized. They were very unhelpful and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: I called to cancel and transfer my CD during the " grace period ''. After several go arounds with 3 different reps and an extended hold time with the last rep. I was told the money was placed in to my checking account and would show in 2 business days. This never occurred, I called back over a week later because the money was not in my account. I was told I was past my grace period and would need to go in to a branch or write in to have my account closed and cancelled. I was told there was no record of my call whatsoever and that Wells Fargo, does n't keep or complete account notes on accounts so there would be no way to see notes. I mentioned I was going to file a complaint and close all of my Wells Fargo accounts over the coming months. What a terrible customer experience and waste of time.

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