milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2016 about Credit card () with PAYPAL HOLDINGS INC. (TN).
Issue: Billing disputes

Complaint: I made purchases using my Paypal credit product. One of the items purchased was defective and returned to the vendor. A refund of that item was never credited to the account. Upon request to file a charge back and get the appropriate credit, Paypal refused to allow me to file the charge back and initiate an investigation. I offered to them as evidence the Email the vendor sent regarding his reciept of the return and he even stated he " issued a refund and to please advise him if I see it now ''. I emailed the vendor back that I had not received the refund but have seen or heard nothing from the merchant. 
I therefore decided to file the charge back but Paypal refused to allow me to do so

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: I been banking with wells Fargo bank for over a year.And my Attorney deposit a large amount of money in my account.My bank is try hold my check up.And i call wells fargo and told them my money suppose to draw interest 2 days after my attorney put the check in my account on friday the XXXX of XXXX.And XXXX the Supervisor said it dont drawing interest until the hold come off on the XXXX of XXXX and XXXX not true.And my lawyer bank verified the check for wells Fargo.I dont want to bank with them tgey are trying to steal some of my money and tgey are stealing from me when they told me my money dont draw interest until the XXXX when the hold comes off which is not true.They said the put the hold because of overdraft and i dont use check at all, i had to change my account number 2 times and wells Fargo said no one will go in my account and they lie.

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 09-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've contacted the Dept. of Education/Navient on several occasions. I 've email : XXXX and the CEO : XXXX on several occasions to address my concern. 

I have never been late. My account has always maintained a deferment status. I have 38 derogatory marks/late marks on my credit reporter all 3 reporting agencies. They all show 120-149 days late. This is affecting my credit score tremendously as I am trying to close on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been hospitalized. I have illness that I am constantly in and out hospital At XXXX point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my credit karma report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below Dates XXXX/XXXX/XXXX. XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX / XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Saturday XXXX, XXXX, XXXX I received a piece of mail with a return address in XXXX, TX. It looked like junk mail, and I had moved last year from that area of Texas. I opened it without notice that it was not addressed to me. Inside was an Experian credit freeze report XXXX on a XXXX XXXX XXXX XXXX. I have owned this home since XXXX XXXX, and moved in XXXX XXXX. I had never heard of this man. I felt bad for opening it and decided to call Experian. However the phone number on their report was automated with no way to reach a human. I listened to the recordings and determined that in order for XXXX XXXX to have received such a report, he had to have committed FRAUD using MY address. I then began to look into who he was, a convicted FELON with multiple counts of theft and drugs dating back 20 years! I showed his tattooed photo to neighbors who confirmed he once rented the home where I now live. So, on Monday, XXXX XXXX, I sent a letter to Experian which included information on two issues I had with ID theft locally from XXXX and XXXX of this year and in the process learned someone had opened a PO Box in my name in XXXX. My letter to Experian included a recent bill with my name at my address. There is a police report in XXXX XXXX, GA XXXX and they were notified as well. The answer I received from Experian was STUNNING! They claimed I was NOT authorized to give them the information on XXXX XXXX likely FRAUD using MY address! I then contacted them on XXXX directing them to county property records that proved my ownership and was told the problem was with the MAIL service! I then contacted your bureau asking for a mail copy of a complaint form that never came. Anyone paying attention?

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 03/29/2017 about Credit card () with CITIBANK, N.A. (OR).
Issue: Other

Complaint: Costco switched exclusive credit card companies in 2016 from XXXX ( XXXX ) to Citi. We had our XXXX card setup for auto payments and were n't getting a paper statement. At some point we changed addresses and did n't think to update the XXXX card with the new address ( why would we, we were auto paying ). When Citi took over at Costco we had a balance on our XXXX account get transferred to Citi. The Citi company says they sent a statement to our old address, but we never received it, nor did we receive a phone call. Over the next several months ( XXXX through XXXX I believe ) our account received approximately {$130.00} of late fees and interest charges. We were finally contacted by a debt collector in XXXX. The debt collector gave us a number at Citi to contact for dispute. Upon calling XXXX Citi informed us they could n't comment on the account, it had been locked out by legal department. Only way to get any information and have the account unlocked so they could help was to pay the debt collector. After several calls we decided to pay the debt collector even though we were unsure if our account had fraudulent charges ( again, we knew nothing about the policy to send our account balance to Citi ). Upon paying the Citi we called back to the dispute department. After several weeks our account was unlocked but closed. The dispute team could n't refund our money and said there was nothing that could be done due to our account being closed. We submitted a letter to dispute and it was ruled in favor of Citi.

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 06-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I suffered a hardship in XXXX of XXXX. My father passed away, I paid for the funeral and then shortly after I lost the tenant in my apartment. I kept the mortgage company Nationstar aware of what had happened and asked for some understanding. The mortgage was not paid XXXX, XXXX & XXXX of XXXX. In XXXX XXXX I got a new tenant. I immediately sent a payment for XXXX & XXXX and advised them that starting XXXX XXXX I will send the regular payment & and additional {$500.00} a month until the 3 months I originally missed were paid for. Nationstar sent both payments back to me. They said either give them the entire 5 months plus late fees, attorney fees etc or they are starting foreclosure. They said my only option was a loan modification. I asked " what if I am not approved '' the loan specialist on their recorded line said " you will be approved for something I just do n't know what ''. So here we are 11 months later with a tacked on {$5000.00} in attorney fees, I am denied with no other option but to try and borrow {$16000.00} to make this loan current. The denial was because it 's not my primary residence & they will not accept all my income. Even though they asked me to send in my contributor package twice with my husbands income. They denied my application after 11 months stating that the only income they will accept to show all my expenses is the rental income. The big issue here is that they knew from the very beginning that this was a rented property but racked up {$5000.00} in attorney fees and late fees dragging me along when there was absolutely no way I was getting approved for a loan modification. So now my attorney fees, late fees etc. cost more than the original three months I was behind. It would have taken me 6 months to bring the mortgage current yet they intentionally strung me along so they could rack up as much money as possible leaving me no other option. The worst part is that everything else, taxes, 2nd mortgage and HOA fees are all current. The 2nd mortgage company XXXX took the 3 months missed and put it to the back of the loan, they immediately worked with me due to me never missing or sending a late payment in the last 10 years that I have had this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Trouble during payment process

Complaint: XXXX / XXXX /   17  - I calle d Pentagon FCU to en sure our  XXXX  payment had been made as my husband had passed away on  XXXX / XXXX / 17 . The mortgage was only in his name. I paid the mortgage and was asked if I would like to be contacted in regard to my options for the mortgage going forward. I said yes. From this call all my joint accounts were frozen.      XXXX / XXXX / 17  -  I  hand carried the paperwork and death certificate to the main branch of  PenFed  in  XXXX  VA. It was to be faxed to the estate department o f PenFed.       XXXX  - I called as I have not received any information regarding the mortgage, I do not have access to the information regarding the mortgage, and I have to call each month to make a payment and I have to remember to place the call. I was told that it was necessary to provide a death certificate - told them that had been done a month prior and that it was hand carried to them. I was told that someone would contact me - still no resolution or correspondence from  PenFed regar ding the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am seeking your assistance with getting a response from Diversified Consultants regarding an account they are reporting on my credit file that is not mine. I have wrote Diversified Consultants on X/XX/17 requesting validation of an account that Diversified has  confirmed with XXXX on X/XX/17. As of this date, Diversified has not responded to my request to validate this account. I am certain this is reporting on my credit report in error because I did n't have an account with the company this agency represents which is why I requested XXXX complete a full investigation and further for Diversified to send me information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Bank account or service (Other bank product/service) with SCOTTRADE BANK (CA).
Issue: Problems caused by my funds being low

Complaint: According to a number of recent articles released today, such as XXXX Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.

Company response to consumer: Closed
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA).
Issue: Closing on a mortgage

Complaint: I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with Rushmore Loan Mgt Services. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. XXXX XXXX XXXX was the first. We are now working with XXXX XXXX XXXX to try to close this short sale. XXXX XXXX XXXX has a XXXX XXXX, XXXX foreclosure date. Rushmore is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting Rushmore to settle this loan with XXXX XXXX XXXX. I could also use help getting XXXX XXXX XXXX to move the foreclosure date out so that a reasonable closing can be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted Navient last month and told them I could n't afford the payment plan they had me on. They so no problem, put a temporary forbearance on the loan and sent me a list of other payment plans I qualify for. I chose one, sent it back to them, 5 times now! And yet today I get a notice that I 'm still on the old payment plan I ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Trouble during payment process

Complaint: We received our annual escrow account statement dated XX/XX/XXXX from Ditech. It showed a {$930.00} surplus. It said we would receive our check as long as the account was current. We called after 30 days, told it was " under review '' and to call back in another 30 days and we were told the same thing. We were told that we were " contractually current '' and just waiting for them to disburse the check. Now, today, they said the escrow department had put a note on our account saying " a bankruptcy credit '' had caused the surplus to be reported erroneously and that as of now there is a {$1400.00} negative balance in our escrow account. When I asked XXXX, a supervisor, why we had n't been notified about this occurrence, he could n't give me an answer. We had reduced our insurance premium and coverage with our homeowner 's insurance at the beginning of the year and that reduced our payment and the insurance in the escrow account. When I asked XXXX, supervisor, employee # XXXX, about this, again he could not give me a definitive response. We talked to XXXX, empl # XXXX, on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX, empl # XXXX on XX/XX/XXXX and XXXX, a supervisor, on XX/XX/XXXX as well as XXXX, a supervisor, empl # XXXX, today, XX/XX/XXXX. At minimum, if there is no surplus check due us, I will need an updated letter of explanation as to what this " bankruptcy credit '' is and how that affected our escrow balances for my bankruptcy lawyer. I think Ditech engages in deceptive, predatory practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have informed them. I live in California only. No Georgia state nor any other state. 
They have me living in Georgia in my personal information was added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MI).
Issue: Struggling to pay mortgage

Complaint: My firm submitted authorization for this clients file on XX/XX/XXXX. We followed up with a phone call to Citi on XX/XX/XXXX and requested the file be opened for a short sale review. After multiple transfers the representative agreed to complete the phone interview and create the request for short sale. I was advised that we must go through the modification review process prior to the short sale process and to do so, we need to set up a phone consult with our assigned representative. In this case, XXXX XXXX. Although my call was on XX/XX/XXXX the soonest they could schedule a call back was XX/XX/XXXX. I waited for the call and 75 minutes after our scheduled appointment, and no phone call was received, I contacted Citi. They indicated that XXXX XXXX was away and that I should schedule another call back for next week. I requested to speak with a manager who suggested that he e-mail the short sale team and ask for the file to be reassigned. That would take 2 business days, so on Friday I could call and find out who my new rep is and schedule a call back. I explained that would be no faster and that taking a week to schedule a call back is unacceptable. He assured me he has no way to remedy this issue faster. I asked to speak with someone else and he disconnected the call. I called back to Citi and again was told that the " best thing to do '' is to schedule a call back. I did schedule a call back ( this time for XX/XX/XXXX ) but assured the representative that I would be filing a complaint with the CFPB.

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 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I subscribed on XX/XX/XXXX to a XXXX XXXX XXXX credit card, which has a {$300.00} annual travel credit benefit per my cardmember agreement. 
On XX/XX/XXXX, I placed a purchase for travel of {$560.00} via XXXX XXXX using my XXXX XXXX XXXX card, and was expecting the balance of my annual {$300.00} travel credit to be applied, since it applies on a calendar year basis. 
I called Chase on XX/XX/XXXX and then XX/XX/XXXX to  inquire about closing my XXXX XXXX XXXX, as I did not want to renew and pay the {$450.00} annual fee. On XX/XX/XXXX, I was told that my travel credit benefit might not be applied because I intended to close the account. So I asked not to close the account, and waited another 48 hours before I called back. When I called back on XX/XX/XXXX, I was told by a different operator from Chase that I would actually get the travel credit, and asked to change my XXXX XXXX to a Chase Freedom in order to avoid the fee while keeping my credit account opened. 
It took 4 entire days for Chase to post the charge to my account after it was in " pending '' state, while it usually only takes 48 hours. Chase claims that because I changed credit card, the charge was posted only after I did the product change and thus would not benefit the travel credit in spite of what their phone operator confirmed to me when I specifically inquired. Also, the cardmember agreement states that " A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to an annual maximum accumulation of {$300.00} ''. This means that using the card is the reason the travel credit should apply, and not when the charge should be posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Trouble during payment process

Complaint: We had a home mortgage through  XXXX   XXXX  that allowed us to pay the loan off a head of time without penalty. We put additional money to the payment to have the loan paid off in  XXXX  instead of  XXXX . At the end of  XXXX   XXXX  sold our mortgage load to a company calle d Select Portfolio Servicing , Inc  out of  XXXX   XXXX   XXXX , Utah. In the letter  XXXX  said Nothing about our mortgage load will change.     We sent our first payment t o SPS, Inc o n  XXXX   XXXX . A little while later we check and saw the the check had been cashed. They never sent us a statement on how the money was disbursed. After contacting  SPS  customer service, they sent us the breakdown. The total payment was being held in a thing called unapplied payments because our account was paid up to date until  XXXX  of  XXXX . Upon talkin g to SPS as to w hy, they said they are reviewing it. All we want is the same procedure that  XXXX  was doing with are payments.   Ta king out Principle, Interest, and the add itional principle that we send monthly.     We set up online payments with this company and was told we did it properly. but on  XXXX   XXXX  we tried to do our payment online and was told we were ineligible.   Called SPS back the account is still under review. It just seems like we ca n't get a straight answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX claimed they will remove the late payment once the debt was paid. As i paid the debt consumer never removed and claimed this is something they do not do. I told consumer to replay the tapes as there agent claimed he would remove such and consumer said they will and never returned my call.

Company response to consumer: Closed with explanation