milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Other* Details Wells Fargo is my mortgage servicer. I have been in the process of divorce for almost 3 years now which is what put my mortgage into foreclosure. At the last hearing, the attorney for Wells told me and the clerk of court they would give me an additional 90 days if I requested it to work out my legal issues. I requested 90 days and they gave me 45. They requested a final divorce decree and a quitclaim deed. I was able to obtinain a divorce decree and am currently in the process of negotiating the quitclaim deed. The court system in XXXX county has been extremely slow and we have had no success negotiating individually. It is my plan to request an emergency hearing with the judge to force my ex-husbands signature which should not be a problem. The court has already found he has abandoned the marital home. They also filed an injunction to keep him from forcing the home into foreclosure. I have requested an additional 45 day extension on my foreclosure date so we can complete the remaining legal issues. I am one week from my foreclosure date and Wells told me today they will not give the extension and they will not review my file. When I asked what the appeals process was they told me there was n't one. When I asked who made the decision I was told they would not give me that information. I feel like they sent me on a very expensive and time consuming wild goose chase to keep me busy while they continued the foreclosure process. XXXX XXXX handles my account and it takes over a week to get in touch with him. I have provided every legal document they have asked for and call daily to see if they need additional information. The 45 days I am asking for would total 90 days which is what I was told they would give me in the first place. I am confident we can get the quitclaim deed but they need to give me the time needed to get it. Because my ex-husband refuses to sign any papers I need the quitclaim to do a loan modification. If the house is sold we have nowhere to go. I live in the home with my XXXX children and XXXX is XXXX. I am not asking for more than the time promised and I have done everything they have asked of me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In a recent attempt to finalize re-payment options for my student loan with Navient Solutions, I was told that there was a second loan which had not been accounted for in addition to my current loan that shows a balance of {$2800.00}. When I inquired about this second loan I was told that it was a larger loan with a balance of around {$11000.00} and that I needed to address this XXXX as well or I could be facing possible action and even wage garnishes. I informed the Navient representative that I did not want to accept any unknown loan without seeing paperwork regarding this " new '' account. 

I have been making payments on my account since XXXX, formerly through XXXX XXXX, and since then I have made an estimated {$10000.00} in documented payments throughout the life of the loan. 

I would like to submit a request for hard copies from Navient Solutions , Inc. of any and all paperwork having to do with my current student loan information, as well as any and all paperwork having to do with the second loan in question which shows an estimated balance of roughly {$11000.00}. In addition to that, I would also like to request any and all paperwork regarding any loans that are associated with my social security number ending in XXXX that are currently under their possession as well as any third party agency representing Navient such as XXXX XXXX XXXX , XXXX. or any other company alike. 

I would like to conclude by stating that on XXXX XXXX, XXXX, I provided a power of attorney to appoint XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX to serve as my agent in an attempt to collect this information from Navient. Since then nothing has been sent by Navient to them or to myself. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: For the past year I have been aruging with this company. I make XXXX a year right now and they are asking for {$340.00} dollar or so payments per month. I have explained to them that I need an extremely lower payment plan and they will not do this. I checked my credit score the other night and I have a XXXX credit score, before I was in the XXXX. This makes me sick to where I want to XXXX. Its not fair at XXXX, I am actively looking for a better employment and currently in school as well. This loan originated from predatory loan tactics from XXXX and now I 'm in a huge nightmare paying it. I need time, possibly XXXX dollar a month payment if it ca n't be put into forbearance. By the time this is over with I wo n't be able to find a decent job because this company will have my credit score destroyed. I do n't know what to do, I cant sleep. I cant even file for anything legal because I cant afford the fees, am also being garnished by XXXX other credit card companies. I need some type of miracle with this situation, everytime I call this company I get nowhere..just horrible customer service and rudeness.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On or about XX/XX/2016 I contacted the XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: When we opened our accounts with BB & T, we chose to opt out of overdraft protection. On XXXX/XXXX/15, we had XXXX in our account, not enough funds to cover a purchase made to XXXX. BB & T paid for the purchase and charged us an overdraft fee. The charge should have been declined. 

The purchase was paid with the wrong card on file at XXXX. 

BB & T reorders transactions, paying checks last in order to maximize overdraft fees. This system renders the opt out for payment of debit card transaction useless to the consumer. If checks were paid XXXX or in order, then BB & T would have to decline ACH and debit transactions for lack of funds and the consumer would avoid overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pull up my credit report and noticed inaccurate information. I immediately disputer the account and Experian came back with verified. when I called the company XXXX to verified the accounts, they gave me a lot of running around for a year. I went back to Experian and ask them to provide me with verification that they got from the company and they were not able to. its been over 2 yrs dealing with the company and XXXX and I am not getting any were.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with Hampton & Hampton Collections LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My  Homeowner Association for a  rental property in  XXXX   XXXX  changed  XXXX   XXXX . I had automatic payment for the  HOA f ee, but the automatic payment did not get set up with the new association resulting missed payment from  XXXX   XXXX  forward to present.     The association contacted a collections agency to collect the debt from me and sent a letter to me on  XXXX   XXXX ,  XXXX . I was not aware of this incident until this collection letter. The amount owed is {$400.00} and {$50.00} in late fees from the association for a total of {$450.00}. The collections company is asking for {$910.00}, when the amount I owe is {$450.00}.     This amount is grossly marked up. This is more than double than the original amount owed and is unfair and unreasonable.     From what I understand from t  he Fair Debt Collections Practice states they can not collect more than the amount owed.
Please help.

Company response to consumer: Untimely response
Consumer complaint received 08-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I would like to close a Paypal account that was opened in my name a long time ago. The social security number on the account is XXXX. I do not want this account to be open and I wish for it to be formally closed. I have previously written to Paypal and the only response I get is that they do not " close accounts ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WI).
Issue: Deposits and withdrawals

Complaint: InXX/XX/XXXX I made a XXXX payment to XXXX XXXX which was only one of multiple payments I had made out of that account towards that XXXX. For some strange reason USSA called that particular payment fraudulent activity and took back the XXXX payment which caused XXXX XXXX. I was all caught up on my payments and then USSA decided to get my XXXX repossessed which put a repo on my credit report that I do n't deserve. Not only that but I traded my XXXX XXXX XXXX on that XXXX so in affect they also took my XXXX XXXX and all the money I had spent on both vehicles. The reason for doing all this is because when I called to get my card released from hold status the person at USSA I spoke with decided that my voice did n't sound as old as my birth date would have suggested. Because of that my XXXX was repossessed on XXXX XXXX XX/XX/XXXX and my credit ruined. As if all this was n't enough, The last direct deposit I had sent to that account came up missing.I had taken my money I had saved from the month before out of the USSA account and had changed my direct deposit over to XXXX XXXX XXXX. The last one went into the USSA account but the money disappeared out the account and now they are trying to XXXX me out of the money as well as what they did to my XXXX and leaving me stranded for a year now..What recourse do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 I contacted PNC bank because I saw a charge from XXXX in the amount of XXXX. I contacted my bank to let them know that this transaction was not authorized by me. PNC bank removed that transaction. I asked the representative how XXXX was allowed to post a transaction on an expired debit card. I had used this debit card a couple years back to purchase the online version of the software. It looks like the automatically sign you up for automatic renewal.My debit card ending in XXXX expired on XXXX. 

In XXXX of 2015 I received a new debit card ending in XXXX with a different expiration date. I has awoke from sleep the morning to find that PNC post the transaction of XXXX and I incurred XXXX XXXX fees associated with that transaction. I with into the XXXX site and login to find they had my new expiration date ( attached document ). Until today I had not logged into XXXX 's site since filing my taxes in XXXX of 2015. I am very curious to know how XXXX acquired my new expiration date because they surely did not receive it from me. 

I was advised by XXXX that if your credit card is expired, your bank can authorize a charge and also update the new expiration date. I was told that they can do this without notifying the customer. I believe that customer should be notify and have the opportunity to say no to this service just lilt opting in or out of overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Fraud on my debit card resulting in loss of {$23000.00} from checking account. XXXX ATM card was used to remove the funds over 6 months. Bank claim has been submitted, claim # XXXX. Bank has not been cooperating to resolve issue and restore funds. Also a police report was submitted, XXXX XXXX XXXX Dept, Case # XXXX. A file was submitted through the Federal Trade Commission. All of these documents are available and I will try to attach.

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 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I completed a purchase through PayPal on XXXX/XXXX/XX/XX/XXXX, that I canceled on the same day. The transaction refund was started but continues to show as pending. After 6 weeks, and an internal investigation by Paypal they issued a temporary credit, citing there is a known problem with the retailer account. That was XXXX. This was on XXXX XXXX, XX/XX/XXXX. On XXXX XXXXXX/XX/XXXX that temporary credit was undone, leaving my paypal account with a negative balance. I had my bank investigate for a refund into the account. No such refund. XXXX confirmed the funds actually never left paypal. PayPal is claiming the refund was issued, yet the status of the refund as of right now ( XXXX XXXX XXXX ) is pending. They sent the account to a collection agency and wo n't talk to me about it any more. No one has ever been able to give me a date when the refund was completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was assisted by my school XXXX that is now closed and turned out to be a scam school to get a loan through XXXX. Once I had graduated from the course which I was told credits would transfer and I would be able to use them, for a real college which was a HUGE lie it was time to pay back the loan. Due to hardships such as a lost job, car trouble or just other surviving expenses I routinely would return the call of XXXX\navent after them calling 50-100 times a day asking them how they could help me pay back this loan that I had taken out in XXXX that was for about XXXX. Each time I spoke with them they suggested putting my loan into deferment \ forbearance to caltch up with my late payments, I had several family members call also to help me get ahead of this now daughting XXXX dollar loan that I am trying to STill figure out which would be the easiest cheapest way to pay off this loan. Ive called XXXX\navient several time in the many years of dealing with this loan and was always told I did not qualify for my payments to be lowered as well as told I was not making payments on loans when I was in fact sending in payments that where only going to XXXX of the XXXX parts of the loan which caused me to fall even further behind on this loan. Yes it was my fault for letting the issue go but when you have to pay rent have a car payment and have to put gas in your car to get to work so you have money to put food on the table for yourself and kid I think its crazy to tell someone that they do n't qualify for lower payments for the past 11 years and only up until I called them in the last month and stated I had a child which I had in the past did they give me the option of lower payments which a longer time frame of having to pay off the loan .. How do these companies expect people to ever get a head, I filled for bankruptcy last XXXX just to try and start over but I feel like this loan is just the one thing holding me back from getting my finances together. I would really like to know why it took so long to offer me any sort of lower payment solution when there was in fact after doing research a law passed in XXXX stating that student loan companies had to make it easier to pay these loans back, also still instead of trying to help me pay this loan they offer putting it back in deferment like its the best deal in the world when in reality its just making me owe them more money ... Please help me take this burden off my shoulders that I have had since XXXX and tell me what 's the best pay to way off this loan without having to go broke in the mean time ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Payday loan debt) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have made contact with XXXX, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XXXX/XXXX/XXXX, XXXX certified receipt # XXXX, and another certified letter on XXXX/XXXX/XXXX, XXXX certified # XXXX, which was return. On XXXX XXXX, XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address XXXX certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, who is a management representative for XXXX XXXX XXXX. XXXX ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and XXXX  credit reports this information is " accurate and has been verified. '' 5 )  On the XXXX credit report the debt is listed twice ; which is inaccurate. Should XXXX, XXXX, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Managing the loan or lease

Complaint: I engaged with a debt consolidation company effective XX/XX/XXXX. " The Lending Club '' who herewith in isthmus party whom the complaint is about, was made aware of this transaction by phonE, then via e-mail, then by the company at least twice and provided a copy of my authorization to speak to the debt consolidation company, XXXX XXXX XXXX. In addition, they were given ease and desist letters. 
I am still receiving letters threatening my credit and at least 2-3 phone calls each day. My account was NEVER late with them and has been in existence since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Taking out the loan or lease

Complaint: I have no knowledge of this debt and would like it removed. Its reporting to my Credit Bureau is affecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After paying my loan for many years I became XXXX. Navient contacted me informing me that my payment has now almost doubled. I explained to Navient that the amount is too high and I am not able to work more to gain extra income to no avail. I offered medical documentation to no avail. I am now behind in my loan and Navient is destroying my credit rating making my life even harder.

Company response to consumer: Closed with explanation