milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Credit card () with PAYPAL HOLDINGS INC. (CT).
Issue: Billing disputes

Complaint: I purchased a vpn box thru a website called XXXX On XX/XX/XXXX and of today I have not yet received my product. Paypal was contacted and claim number XXXX was open in which this was their response : Case ID # XXXX has been closed Dear XXXX XXXX, After further review of the claim you filed against XXXX, we have determined the issue you have described or the merchandise or service associated with this transaction is not covered by PayPal Purchase Protection. As a result, this case has been closed and we 're unable to take any further action. 



Transaction Details Case number : XXXX Seller 's name : XXXX Seller 's email : XXXXXXXXXXXX Seller 's transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : - {$250.00} USD Your transaction ID : XXXX For detailed information on what is covered by PayPal Purchase Protection, you can view the PayPal User Agreement, which you accepted when you created your account. Simply click Legal at the bottom of any PayPal page. 

Please note : Records of all cases are kept in the Resolution Center for your convenience. 

Sincerely, PayPal Copyright ( C ) XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. 

PayPal XXXX I feel Paypal has bypass somehow some banking agreements and has failed to recuperate my money while no goods or services were rended.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Iwas attending the University XXXX and later stopped attending do to medical reasons. I then returned and recieved my XXXX. I was never given a fair chance to pay back my loan due to the high intrest rates that were not discussed with me upon accepting the loan. I later deffered them and they continued to grow interest. I was forced to go back to school so that I wouldnt gain more fees. Those fees and student loans from over 6 years ago are hurting me financially and the attempt to get a house for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loans were with Nelnet. I lost my job and requested a deferment. I got another job paying much less than what I was making, however, I know I still need to pay my responsibilities. I have been trying to get on the IBR income based consolidation repayment program. Nelnet just kept giving me the runaround. Then they made me think that I was speaking with them but was transferring me to a collection agency. I kept calling them. Now they tell me that they sold my loan to XXXX a collection agency. XXXX is not bonded to collect in my state. I have been a victim of identity theft in the past and it was hard overcoming that. Now my identity has been compromised and I am being denied my rights to be on the IBR PROGRAM due to their mishaps. Nelnet have a moral obligation to be honest and if they are selling my information, they need to know that it is with a legal entity. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: InXX/XX/XXXX had applied for a loan with Wells Fargo Bank but changed my mind and canceled the account Wells Fargo said they would close the account but inXX/XX/XXXX I received a letter form Wells Fargo that my credit card application was approved but inXX/XX/XXXX it was to be closed I called Wells Fargo they said they will take care of it I checked my credit report its listed as a open account I called Wells Fargo automated system on XX/XX/XXXX and the account is still open.

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 08-01-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I have been on time for all my payments for the last 8 years. I experienced an economic hardship in XXXX XXXX, 2017. I contacted Nationstar to inquire about payment assistance. The representative informed me that I qualified for a payment plan. My XXXX mortgage could be spread out for 3 months. She informed me that my credit would be reported as delinquent during the 3 months, but at the conclusion of the 3 months and if I was meet the terms of the payment plan, my credit would be would be reversed through a credit dispute. I decided to go with the payment plan. A month later, XXXX/XXXX/17, I was greeted with a notice on my door with a letter Nationstar asking me to call to confirm that the property was not abandoned. I later received a {$15.00} charge on my statement for a property inspection, the fee to serve the notice. I called to inquire why I was charged this fee if I was in communication with Nationstar and have set up a payment plan. The supervisor explained that the fee could not be waived and that it was part of regulations. She could do nothing about it and informed me that the representative should have informed me of the {$15.00} fee. Throughout the 3 months of the payment plan, I receive daily automated phone calls harassing me to call Nationstar because of my delinquent status. I have attempted to call them back and the representatives are always confused if I have a payment plan why I receive the calls daily, yet they still continue. In the end, I have completed my obligations for the payment plan in full on XXXX XXXX,  2017 as scheduled. I inquired the process of reversing my credit as was explained to me when I signed up for the payment plan. The supervisor said I can complete a credit dispute but there is no guarantee that it would be reversed and explained that the initial representative gave me false information. I wanted to file a complaint, but the supervisor could not tell me who was the initial representative that set up the placement plan. I would have sought other alternatives if my credit would be tarnished. I believe it is ridiculous to be charged hidden fees for the property inspection when I am in communication with the organization and there was no need to see if the home is vacant, especially when experiencing economic hardship, and especially when I am being compliant to the terms of the payment plan. In addition, the daily phone calls and emails are harassing. The information provided about the payment plan is false.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In stopping by PNC branch a few weeks ago to drop off a check, the person asked if we 'd like to obtain a lower rate on our credit cards. She said there were 0 % rates ( for intro periods ) for new accounts but also lower rates than we currently had which was 16.99 %. I did not have time to pursue this option at the time, but on XXXX/XXXX/2017, I called the number on the back of the credit card to learn more about lowering the rate or to go with another credit card lender who is offering 7.9 % variable rate with 12 months 0 % intro. The lady said she could not just lower the rate on a credit card account ( which has been done for me in the past when I 've called ). She said she could open a new card if I wanted to apply and get me another credit card, which I said I would rather just have my rate lowered because I do n't need a second card. After being transferred to three people over the span of 20 minutes, I finally was put through to a " manager '' who stated that " there are no other lower rates available '', which is a direct UDAAP violation because other people have lower rates than I do at PNC and how could she make a credit decision/pricing decision without doing any due diligence. She said she asked a co-worker who told her that all credit card rates are reviewed quarterly and if lower rates are available, PNC will automatically lower consumer 's rates. I find this hard to believe that PNC review 's rates every quarter and will lower existing credit card rates for all consumers and do not believe this is being done as I was led to believe. In the end, I was on the phone for over 20 minutes, spoke to 3 different people, was told lower rates ( 16.99 % ) are not available, told that PNC automatically reviews all credit card accounts quarterly and will give lower rates if people qualify ( which I believe is a lie ) and also refused to lower the rate on my existing account. I have worked with many banks in the past and I have always been able to negotiate a lower rate. In certain circumstances, I 've been told no and that is ok. But to directly lie to me and say no lower rates exist for PNC credit cards other than 16.99 % is a lie and to lead me to believe that quarterly PNC reviews everybody for lower rates, I believe is also a lie. I believe that someone needs to hold PNC accountable for pretending that they can not lower the rate on an existing credit card because 16.99 % is the lowest rate they offer and also to try and defer my concern by pretending that all cards are reviewed for better rates 4 times a year! My FICO score is over XXXX and my DR is well under any income threshold. This is a case where PNC is simply trying to lie to consumer 's to protect its own bottom dollar. Funny, the nice lady in the branch was advertising products that the credit card telephone persons do not know about?

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a rush card and XXXX $ was deducted from my account. I call and never get a answer or I 'm hung up on, I 've even been transferred many times just to be on hold more to be placed on hold more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with Reliant Capital Solutions, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm receiving repeated phone calls to my cell #. They identify themselves as Reliant Capital Solutions, then ask for me to confirm personal info ( SSN, DOB, current address ). I 've told them I wo n't confirm or provide information unless I have a valid reason to do so. I 've asked the purpose of the call, and they continue to refuse to provide any info ( including what kind of firm they are, any money I might owe to anybody ) unless I confirm my SSN and DOB - which it seems they already have. I contacted the Ohio Atty General 's office and have filed an official complaint. The AG 's office told me they have a " significant '' # of complaints filed against them. I also pulled my credit report and score ( I have excellent credit with a score over XXXX ) and nothing is noted. I asked to speak with a manager and XXXX XXXX at Reliant also refused to provide any info about why they 're calling unless I provide them with personal info. When I told XXXX XXXX I did n't know why they were calling, he said, " You know why we 're calling ''. I googled Reliant - they 're a debt collector. I went to their XXXX, OH office yesterday ( with my checkbook ) and offered my driver 's license as proof of identity and they refused it. I 've checked with any creditors I might owe money to and nobody 's reporting I owe them anything. I 'm happy to pay anyone I might owe money to, but if I do, Reliant is delaying this process and preventing resolution of this issue. I also contacted local XXXX TV investigation team yesterday, they tried to speak with Reliant 's attorney ( who I 'd spoken with ) and she refused - she ran away! Reliant has said they 'll send me a letter with details. The XXXX team told me Reliant has given {$65000.00} in campaign contributions to Ohio 's Attorney General.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 


COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PENN CREDIT CORP via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County XXXX XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX XXXX, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Medical) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had 18 missed phone calls from Thunder Bird Collections within like fifteen minutes. XXXX would call and go to till voice mail and then immediately called back. He also called my grandfather and utilized the same tactics. This was also done after I had told him not to ever contact anyone besides my cell phone number that I provided. Today he even called the place I work when I told him to only contact my cell phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with ALASKA COMMISSION ON POST SECONDARY EDUCATION (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I applied for student loans through the fafsa government website I was approved for a certain about of student loans. A couple of loans I had taken were from an agency by the name of Alaska Commission on Postsecendary Education ( ACPE ). The loans I agreed to take were all federal loans. I did not apply for private loans. I found out about a year ago that a few of of my loans through them were actually private. I did not apply for private loans. I had only applied for loans through fafsa which are federal loans. Now that I am in repayment status, the " private loans '' do not have the same terms as the federal loans and I had absolutely no idea when I received these loans they were not federal and did not have the same terms. I am in a bind now that these so called 'private loans ' do not offer the same income based repayment plans as do the federal loans. They do not qualify for consolidation with my other federal loan lenders and I had absolutely no idea this occurred. I have XXXX loans with ACPE, XXXX of which are considered private state loans. How is it that XXXX of these loans are private and the other XXXX are federal? I had no idea and was not informed of these not being federal. I signed the promissory notes ; however, they are the same for all the loans I loaned from them. None of the promissory notes specify any difference between the state private loans or the federal loans. I was misled. I was not given the correct information regarding these loans or I would have not taken them. I intended to not take private loans out and it appears as though I did and I am not sure how that occurred. I need to find help with this matter as they are hounding me regarding repayment now. They are not offering lower payment options like the federal loans offer and frankly, I can not afford the minimum payment they are asking. Especially with the low wages available to people at this point, I am unable to pay bills, let alone student loans. I did obtain my degree ; however, I am realizing it was a bad decision and wish I could just get a refund and return my degree. XXXX is a joke. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 'm a XXXX and XXXX. 
My student loan has been sold several times, most recently to Navient. The original amount borrowed was XXXX dollars. 
I graduated in XX/XX/2006 and have been paying XXXX per month since, without fail, and my balance is XXXX even though I 've paid XXXX already. 
When I questioned them I was told that my payments was only being applied to the interest which was compounded daily, but now a portion would be applied towards the principal too.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: Credit Acceptance Corporation is reporting my account status to keep my account as a negative account with the XXXX credit reporting agencies ... On my credit report dated XXXX/XXXX/XXXX it shows that Credit Acceptance Corporation reported my account as " Paid in full '' was a collection. However as of today 's date XXXX/XXXX/XXXX my credit report shows account is now past due with a balance of {$8600.00}. Also by Credit Acceptance Corporations own Monthly Reporting to the credit reporting agencies and the paperwork they provided me they claim that my balances were XXXX amount and the amount the paperwork they sent me are different by amounts ranging from $ XXXX {$7000.00}. Each an every month.

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 12/15/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was contacted by a fraudulent company called Equitable Acceptance regarding student loan forgiveness. I was told by a representative that their company was legit & during Obamas administration loan forgiveness was possible. They told me if I signed up for {$39.00} per month for 2 years my student loans would be forgiven. Since I was hopeful to have my loan forgiven, which would free my husband & I to save money rather than spend a total of XXXX {$550.00} per month towards our students loans, I was baited & agreed to their terms. This meant giving them vital information, such as bank account number, name, email, social, etc. they proceeded to impersonate me to XXXX ( my student loan company ) several times using my information to access my account. Im afraid that has or is happening to many people. Please remember : if its too good to be true, most likely it is. Dont be gullible like me. Be wise & always ask questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Payday loan debt) with Integrated Recovery Services (KS).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: XXXX XXXX " pre-legal division '' called my brother and left a message stating they are investigating me and asked him to have me call them back. they left an account number with the last four of my social at the end of the account number. I called them back and a lady told me I stole money from a payday loan company. When I asked her to stop contacting my relatives and friends she told me they were going to continue. When I asked her to cease and desist, and asked for a written letter explaining who they are with a correspondence address, she told me that I better carry two forms of ID because I was going to be served with court papers concerning this debt. The lady hung up on me. When I called her back, I asked if XXXX XXXX owned this alleged debt or if her company did. She said the original creditor still owned the alleged debt and that she represented a collection agency. I told her that she was providing false information by stating they would be filing a lawsuit against me, since her company does not have standing. The lady then called me a thief several times and a liar. I stated several times that they cease and desist and this lady hung up on me again.

Company response to consumer: Closed with explanation