milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I attended a for-profit institute in XXXX XXXX, MI owned by XXXX Colleges. The XXXX closed them down and stated that what they did was against the law and they forgave our federal loans and we were told that the private loans that originated from XXXX, owned by XXXX Colleges and now UASXXXX, should clear those loans. I have stopped payments due to what the federal government has stated. They now call me and my mother everyday saying that we need to pay even though I talked to them and told them what the XXXX had said.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: Below is the essence of my complaint, extracted from a letter I wrote XXXX XXXX CEO of Citicards, division of Citigroup. 
I am writing to you about the usury -level interest rate Citicard is charging me. 
My interest rate prior to and including XXXX was 10.46 percent -high enough -- For some reason, I do n't recall ever giving consent or receiving any information about the change -- my interest rate was raised to % 26.74. Let me say I would never ever agree to an interest rate of % 26.74, which my rate was raised to. 

I am a XXXX, with fluctuating income, and always busy, as XXXX XXXX said " the clock runs faster than the typewriter. '' Despite being busy, as far as I recall I have never missed a monthly credit card payment. I have a good credit rating. I am sure you can produce some document, which was undoubtedly tucked away in a stack of forms saying I authorized the change in rate. Let me say unequivocally, I do n't recall ever authorizing or agreeing to an interest rate of 26.74 % -- again that is usury. Just now -- XXXX XXXX, XXXX -- I noticed the high interest rate listed on my monthly statement -- portion of that statement is enclosed. 

I want my interest rate reduced to the original % 10.46 certainly a highly profitable rate for CitiCard. Let me quickly say, a banker friend of mine said of the cost of money over prime and its impact on banking- loan business. " At 1 % I loose money, at 2 % I break even, and at 3 % I make money. '' On XXXX XXXX, The XXXX prime rate was listed at 3.75 % .. 
Here is what I want : 1 My credit card interest rate lowered back to its original % 10.46 2. A refund of all the excess interest I was charged from XXXX, that is all money I paid above % 10.46. 
3. An explanation why my interest rate was raised. 
4. Copies of any alleged documents that I signed or agreed to raise my interest rate from % 10.46 to % 26.74

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 08/30/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Specialized Loan Servicing ( SLS ) violated loss mitigation procedures pursuant to CFR XXXX Prohibition on a foreclosure sale and the Appeal Process. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.

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 (Credit card) with Guglielmo and Associates (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was sued by Guglielmo and Assoc. for XXXX. Guglielmo/XXXX won the judgement by default due to the fact I was not given a court date to appear by the attorneys. I was hospitalized during the said court appearance XXXX/XXXX/XXXX. which I could not have attended. I was in default. I am unemployed and do not receive any unemployment benefits. My husband is XXXX and we are on a fixed income. I received a writ of execution in XXXX XXXX to which Guglielmo 's firm had garnished my only {$45.00} that I had in my checking account. I filed a claim of exemption for the monies in my account. XXXX did not object the exemption therefore monies was returned. Guglielmo 's firm filed another writ of execution on the same account in the amount of {$10.00} in XXXX XXXX. Again, I file another claim of exemption, monies to returned. Per Nevada Revised Statute 21.105 ( 2 ). " If a writ of execution or garnishment is levied on the personal bank account of the judgment debtor and the provisions of subsection XXXX do not apply, {$400.00} or the entire amount in the account, whichever is less, is not subject to execution and must remain accessible to the judgment debtor, unless the writ of execution or garnishment is for the recovery of money owed for the support of any person ''. Currently, Guglielmo 's firm is now trying to file a writ on my mother 's account to which I am only a beneficiary. My name is not affiliated as an co -owner of this account. I believe he is on a fishing expedition and to only harass me to place me under duress. Also, I do n't feel I should be charged any of the attorney/filing fees which were added to my judgement because of his " willful intent to garnish '' an account I do n't own. Guglielmo and Assoc. should be sanction and properly discipline for FDCPA " Unfair Practice '' i.e. " A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt : To take or threaten to repossess or to disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property may not be taken, repossessed or disabled ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion is reporting inaccurate credit score. More than 30 plus points in comparison to other bureaus. I constantly have issue 's with Transunion credit reporting. It 's inaccurate score and I want updated immediately

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: XXXX XXXX XXXX : open date XX/XX/XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX : open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax All these accounts are fraudulent due to identity theft I have sent police reports and affidavit to Equifax, XXXX XXXX and XXXX  Equifax is the only company that has not removed fraudulent accounts from my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a modification of my loans with Bank of America for many years and all they do is keep trying to sell my home at foreclosure with the current date set for XXXX XXXX, 2016. The Attorneys that I have talked to have said that the entire loan should have been canceled because of the Fraud committed upon me and my XXXX son but the Fraud division of Bank of America refuses to talk to us. Can you help me? XXXX XXXX, XXXX XXXX XXXX XXXX or you can contact XXXX XXXX at his email ( XXXXXXXXXXXX ) but he can no longer help me because he retired and is no longer practicing 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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX XXXX Experian are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.

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 06/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am enrolled in forgiveness plan and have submitted my renewal application on time ( XXXX 2016 ). They have had me showing deliquent all along. I 've been calling since about XX/XX/XXXX to resolve the issue. Everytime I call Navient the reps see my renewal application was submitted on time & my payments have been committed to the agreement according to my plan but my application was never processed or applied. They say they will have someone process my application and that never happens. I have been dealing with this now for almost 7 months. I 'm on the phone for about 2 hours each time I call. It takes approximately 1 hour to get a representative in the United States and another hour with the American representative only for promises to be not be followed through on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2015 about Mortgage (VA mortgage) with UNITED SECURITY FINANCIAL (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In the beginning of XXXX, my mortgage was transfered to United Security Financial Corp, aka : XXXX. Since then, when I receive a statement, the payment sent is applied wrong. I have called them several times, talking with persons who seem unconcerned with customer satisfaction. Recently ( XXXX/XXXX/15 ), I called and spoke with XXXX about the " unapplied '' funds which on the payment coupon is specifically stated as extra to principal or escrow. I was on hold for a while and finally asking what was taking so long only to be told : " I 'm trying to get someone to help me with this '' After some time, he asked me how I wanted my other " overages '' applied. ( I pay extra each month to either escrow or principal ) When I asked how much monies we were talking about, I was put on hold yet again. After XXXX minutes I hung up. This is my mortgage, my home. I feel that my mortgage servicer is not being competent in servicing my loan and would like someone to look into it 's practices. The address I have been sending my " on time '' payments to is : XXXX XXXX XXXX, IL XXXX. I would appreciate any correspondence from cfpb. Thank You.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with Eastern Asset Services LLC (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have a credit card with XXXX ( a dept store ) I tried to keep up on my payments but I fell behind and they sold my debt to a collection agency Eastern Asset Solutions LLC. I contacted them and they did not identify who they were they just answered the phone like they were at home or something. I also set up XXXX payments before the end of the XXXX payment I was to call and set up XXXX more so when I called to do that he said they already had it set up for the next XXXX but I had n't authorized that when I questioned it and told him to not take any more money out of my account because I did not trust this company he got very irate and started threatening me with a higher balance and said this is n't going to go away I told him I know I owe the debt and I want to pay it but I 'm not paying it to you and then he started yelling at me and would not let me talk and eventually hung the phone up on 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 04-06-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinance my house on XXXX XXXX, XXXX and opened mortgage with Quicken Loans. 
My monthly payment on 30 years fix interest loan was XXXX On XXXX XXXX, QL against my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since XXXX XXXX I made over 10 requests to close Escrow account. QL refuses multiple requests to close escrow account unless I apply for new higher percentage loan. 

QL uses an Escrow account to frequently modify the amount of monthly payment, and charge me a fee if I can not pay new payment within the grace period. 

In XXXX XXXX clerk at XXXX XXXX collector office told me in person that I could make payment on real estate tax anytime until XXXX XXXX without incurring any additional fees. QL did not inform me about its intent and on XXXX XXXX, XXXX decided to pay XXXX XXXX collector office and present me with a bill. 

On XXXX XXXX, XXXX QL purchased second real estate insurance ( in addition to one I already had ) for the amount of XXXX. I complained and on XXXX XXXX, XXXX, QL issued a refund of XXXX. 

On XXXX XXXX, XXXX QL decided to pay XXXX XXXX collector office again and present me with a bill. My real estate taxes was paid by me in XXXX XXXX ( one month prior ) and QL issued a payment on taxes that is not due yet. Furthermore, QL paid on taxes that are not billed yet. 

I am asking QL to issue a refund of {$3800.00} because I already paid the second installment of XXXX taxes on XXXX XXXX, XXXX, close escrow account, and stop making payments on my behalf to entities that not even requesting payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a private student loan serviced through Navient, originally with XXXX XXXX. I have been making regular payments and have sent the company instructions on at least 2 occasions ( XXXX and XXXX of 2017 ) detailing how I want overpayments dealt with : specifically that they should be used to pay down principal. Each time receive a response telling me something slightly different on how to get my instructions applied. First I was told, in XXXX to sign up for auto payment ( which I could not do on the website ) or to submit monthly payments by check with instructions each time I make an over payment.
<P/>
In XXXX there was no mention of the auto payment option and I was again told to send payments by check with instructions every time I make an over payment.
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I have provided a clear instruction to them about what they should do with all overpayments and they refuse to honor that instruction unless I submit it by mail every single month. That is absurd.
<P/>
Navient is systematically obstructing efforts to pay down the loan even slightly ahead of schedule while I am trying to do just that by overpaying by a few dollars a month

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I have fallen behind on my payments. I applied for a modification which I did not qualify for. In XX/XX/XXXX. I contacted retention and made a payment of about {$3200.00}. I called today to XXXX another payment of {$1200.00}, monthly payment is {$1000.00} and there is a couple XXXX in suspense. They refused to take my payment said I had to pay XXXX in full, would not allow me to speak with retention. They said I failed to keep my agreement, which I had no agreement I was n't approved for the modification. Last year I experienced so setbacks, but I am trying to remedy that and move on. I need my home I have children. But Carrington Mortgage Servicing is unwilling to allow me any solutions. I do not receive regular communications from them so I am not sure where I am with the loan. I calculated I will have the loan current and will be able to pay monthly by XX/XX/XXXX, if allowed to make the larger payments in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with UNITED STUDENT LOAN SOLUTIONS (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: A student loan consolidation company by the name of United Student Loan Solutions, address :  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , Fl  XXXX , phone number  ( s  )  XXXX ,  XXXX ,  XXXX ,  XXXX  This company is pretending to a third party contractor for  the U.S.  Department of Education, in assisting students with loan debt to consolidate their loan, as part of   XXXX   XXXX   Loan forgiveness program. They tricked me into giving them my ss #, driver 's license #, employer 's information, an d FSA in formation to review my loan amounts. This company asked for an upfront payment of {$590.00} to processing the loan consolidation. I gave them my debit card number to t ake out two pa yments of  XXXX  on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . After speaking with the rep  XXXX , I became suspicious of the matter. I contact t he U.S.  Department of Education, and they advised that loan consolidation would be a free service through them. They also advised me to contact Consumerfinance.gov to file a complaint. I then contacted my bank, as well as  my local police to file a fraud complaint. I also contacted all three credit agencies, my state motor vehicle license agency. They portray themselves as  XXXX  on the internet. It is a trap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (DC).
Issue: Account opening, closing, or management

Complaint: I have tried several times to remove a checking account and debit card from my Paypal wallet. Every time I try to remove either, I receive these errors : " Sorry, you ca n't remove this bank account because of a pending transaction. Please try again later '' or " Sorry, you ca n't remove this card right now. Please try again after all transactions have been processed. '' There are no pending transactions, and my last transaction was over XXXX weeks ago. 

I have been trying to XXXX out this checking account in order to close it. I added my new checking account to my Paypal wallet, but the automatic payments I have set up through Paypal charged the old account, resulting in my bank charging {$70.00} in overdraft fees. 

According to the Paypal Community Help Forum, this is a common problem and several on this thread have theorized that it is in Paypal 's best interest to make it as difficult as possible to remove your accounts from being associated with Paypal : https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit Bureau is in violation of FCRA and has not verified the original signed contract with my signature on it.

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 10/26/2017 about Debt collection (Payday loan debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: One main was disputed by all credit bureaus in the month of XXXX. A letter of debt validation was never received in response to any of the disputes. The account was removed from XXXX report ( I have provided the screen shot displaying this information ) but came back verified on XXXX ( I am also attaching the documentation from Experian showing verified status as of XX/XX/XXXX. On XX/XX/XXXX the company One main reached out to me in the form of a letter ( attaching a copy of that as well ) not to provide documentation or any contractual agreements for this alleged debt but a letter willing to reduce the debt amount significantly up to 90 % in hopes that I would contact them and settle and I did not. The letter stated this was the 'Final Opportunity '' and that I had to respond before XX/XX/XXXX. On today XX/XX/XXXX my XXXX credit score took a 96 point  decrease which is detrimental making it very difficult almost impossible to acquire credit especially when you were looking to buy a house in the next couple of months due the account jumping from a closed status to open without my knowledge or any documentation in writing saying an account that has been closed since XX/XX/XXXXis now open and not only open but has a missed payment causing my payment history to decrease from 100 % to 96 % and my credit age history to drop because it is now factoring this account. I have attached screenshots for all this information. I need this information reviewed and corrected and removed immediately. I am beyond upset and frustrated the amount of ways and things a company go about affecting a consumer 's everyday life.

Company response to consumer: Closed with explanation