milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Customer service / Customer relations

Complaint: I called American Express to get a lower APR. I asked if I could open a new card with 0 % APR and transfer my balance. The representative informed me that they do not do balance transfers between AMEX cards, but that I could " upgrade '' my card to XXXX with 0 % APR. I agreed. A few days later, I received a new AMEX card in the mail with a different number than my existing card. I waited a few weeks before activating the card and, upon activation, I discovered that I now had XXXX AMEX cards, my old XXXX with a small balance ( why I initially wanted 0 % APR ), and the new XXXX with no balance. So, my account was not upgraded, I was simply issued a XXXX card. This adversely affected my credit score due to the addition of a new credit account as well as the hard inquiry they made into my credit score. Not to mention the fact that I was lied to ( on a recorded line ) by an American Express representative. I immediately contacted customer service on XXXX/XXXXXX/XX/2015 and was told they would open an investigation and I would hear back in 5-7 days. I never heard anything. I called again on XXXX/XXXX/XX/XX/2015 only to find that no investigation or complaint was ever opened the XXXX time. The representative gave me his ID number, XXXX, and told me I would hear back from them in 3-5 days. I never did. I called again today, XXXX/XXXX/XX/XX/<YYYY> and spoke to XXXX in North Carolina. She informed me that a complaint was opened, but not resolution had been reached and to call back in 30 days. XXXX strikes and they 're out. I have had no satisfaction from dealing directly with AMEX and therefore am reaching out to CFPB for assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a response to compliant # XXXX where the student loan provider 's response was that they could not reduce my payments. I received a call from the collection department on XXXX/XXXX/16 and the agent stated the he would try to help me arrange monthly payment arrangements. The terms were that I make the first payment via my checking account of {$130.00} on XXXX XXXX, 2016 - no payment due in XXXX - regular payments to start on XXXX XXXX, 2016 ( {$130.00} ) I agreed to these term and signed this agreement via pressing the # key on my telephone keypad. Later that evening, I received a call from the same agent ( XXXX ) stating that I must agree to another agreement, whereas I would now have to make a payment in XXXX in addition to the payments I agreed to earlier that day. I want to file another complaint against Navient Solution. Each time an agent calls me, I receive different terms for my student loan. I feel I should n't have to agree to another agreement, if I electronically signed the terms I agreed with earlier that day.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company failed to pay my homeowners insurance from available escrows funds on time resulting in cancellation of insurance

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: Bank of America keep charging me huge overdraft of the services they never rendered. 
the check was returned and they charge me XXXX dollars for 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 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Bureaus, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I first reported illegal use of my identity a little over seven years ago and a consumer fraud alert was placed on my account, the accounts in reference dissappear and show up again.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have been receiving repeated calls by  Portfolio Recovery  since   XXXX   XXXX    2017 a t  XXXX . This company reported an account from   XXXX   XXXX    XXXX   XXXX   on   XXXX   XXXX    2017 in the am ount of {$1700.00}. This collection agency is in violation of FDCP A 809 ( a )  for not providing a collection notice within 5 days after initial communication. This was not done 5 days after the initial call, nor 5 days after reporting it to the  Credit  reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CASHCALL, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My complaint is from the Very Beginning XXXX XXXX was very Cantankerous & trying to bully me around over the phone. Then later I received a Notice of Wage Garnishment of {$18000.00} from XXXX. This company did not lend me {$18000.00} they purchased the loan from the Original owner Cash Call who lent me {$5000.00} to pay my Federal taxes. Therefore I do n't believe its Honest, Integrity or Fair for them to try & collect {$18000.00} from me when that 's not the Correct Accurate amount of the Original Loan. XXXX nor cash call ever tried to work with me XXXX just called me all the time with threats & this Ridiculous offers that no one can comply with unless your Rich, not a Normal hard working person that Pays the Correct amount of XXXX legally & Do n't Cheat on their tax returns & say I do n't know I just gave everything to my CPA yeah you know. XXXX are in Violation of the Fair Debt Collections Practice Acts 15USC.1692., Common law malicious prosecution, & they are violating the declaratory relief under the California Finance Lender law 22000, XXXX is also in violation of the Roenthal Fair Debt Collection Practices Act XXXX Civil Cod 1788, etseq. These kind of Company are Big Time XXXX that should be prohibited to do Business because they PREY on Innocent hard working people like me! Also they Claim XXXX dollars on there tax return & write it down to mere pennies or some where around {$2500.00} and Rip off innocent people .They really were never willing to work with me they always asked for ALL the Money up front the Whole amount or more. They asked me for {$8500.00} the whole amount up front & then they just kept raising to {$9100.00}, {$11000.00}, {$16000.00} & Now {$18000.00}. If I had that kind of Money just laying around, then I would have never needed a loan in the First Place. Also With cash call they never tried to work with me if they did it would have not gotten this far I believe Cash call & XXXX XXXX work as a team to Rip off people & That 's why they have a TV Commercial now. In the Very being something happen with my account & cash call was not able to get paid from my account & when I tried to work with them They said NO we want all the Money up front & they would not take the payment arrangements any more & was so Rude, Mean, Nasty & Very Unprofessional. Then XXXX XXXX calls me & they acted the same way mean & Cantankerous!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmeriCollect (WI).
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: americollect DID NOT EVEN SPEAK ABOUT THE REASON I SUBMITTED THE FIRST COMPLAINT TODAY. XXXX?!? ARE THEY EVEN READING WHAT I WROTE? AND YOU GUYS CLOSE MY COMPLAINT BECAUSE THEY SENT A LETTER THAT HAD NOTHING TO DO WITH WHAT I WAS COMPLAINING ABOUT. I HAVE PAID OFF THOUSANDS OF DOLLARS IN MEDICAL BILLS THAT WERE IN COLLECTIONS AND THEY WILL NOT UPDATE MY CREDIT REPORTS!! 3 OF THEM. 

WHAT ARE YOU GUYS GOOD FOR? YOU DO N'T EVEN MAKE SURE THEIR RESPONSE IS IN DIRECT RELATION TO THE COMPLAINT. WASTE OF TIME HERE!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan Modification 6 years ago & was granted a Trial Modification I made all the trial Payments & was denied the Permanent modification  by Wells Fargo Stating th at I apply again & again I have applied 6 times but to no avail, They tried t o Foreclosed & the Court denied  the request, My Interest rate is 7.5 % & they refused to lower the Interest rate & using 7.5 % & each time I can not qualify as the rate is too high, Never once reducing the rate to make qualification possible, We are in Court & the Judge issued a Court Order on  XXXX   XXXX   2017 sta ting that I apply again & submit another Modification Package be  XXXX   XXXX     2017, I   ca lled Wells fargo I was  informed that under no circumstances will be granted another Modification period,  Inspite iof the Court  Order I have sent Faxes & called yet I can not get to submit the New Modification Package as required by the Court.

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 09/18/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: In XXXX XXXX, I was checking my credit through XXXX XXXX and saw the derogatory from XXXX XXXX now MIDWEST RECOVERY, This is for {$1100.00}. This is in the : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX I called them in XX/XX/XXXX and again last week. They said they sent something to correct this back in XX/XX/XXXX but the derog is still there. From called them again last week they said they would send me a letter ( which has n't arrived yet ). 

On XX/XX/XXXX, I sent a a complaint to XXXX ( confirmation # XXXX ) and they responded back saying it was mine because of the social security number. The social security number is mine but its not me. Someone else is using my social security number.

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 Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX2017 I PAID {$19.00} A MONTH FOR XXXX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER EXPERIAN, XXXX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.

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 04/22/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Payoff process

Complaint: Chase Visa refuses to allow me to make payments online from my XXXX Checking Account

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I went away to college last year and opened my first student checking account at TD Bank. When I attempted to login to online banking through the TD website, I was encouraged to sign up for an overdraft protection program. I could n't figure out how to " get out of that '', so I signed up. Shortly thereafter, I overdrafted my account and since I was unaware that it happened, I overdrafted again the next day. A week later, TD notified me, via US mail, that my account was overdrawn and I owed {$140.00} in fees. My mom helped me get {$70.00} waived, and the customer service agent we spoke to unenrolled me from the program. Fast forward to a few weeks ago, and the exact same thing happened again. When I asked, I was told that I never unenrolled from the program. However, when I called the corporate XXXX #, I was told that I did unenroll back in XXXX 2015, but the next time I logged into the online system, I re-enrolled. XXXX different stories from them plus I NEVER re-enrolled in this crazy program - I believe their bank system somehow did that. I also believe that TD targeted me as a student who is just learning how bank systems operate and, being a low-to-no income person, this is truly not fair. My entire last paycheck went to paying TD 's fees - and the amount I overdrafted was a measly {$13.00}. Can anything be done about this unfair, misleading and discriminatory practice?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was customer with T mobile # XXXX XXXX promised to get a discount thru my company XXXX. OF XXXX % OF MY BILL .on the first year they granted, and the following they ask for probe that if I was still employ by the company I fax even my Pay stub and Denied .they did n't apply the discount .the bill came higher finally the block the phone .and they send me to Collection Agency before they came with amount of XXXX and I ask to explain why and if was possible to please mail detail letter with all the charges. And then told me not they will bring to over {$2000.00}. Because they argue the phone need insurance that I have never requested by the time they do suspension I owe them around {$500.00} for XXXX Telephone. 

Them I was paying thru XXXX XXXX XXXX .but they stop taking the payment next thing is they will put a lawyer. is not my fault that no one know who is collecting the money. 

And I really need help .I 'm willing to pay what is right .I ca n't pay for something I did not ask for I feel been Assault. By this Company. 

I do have all the Papers with the denial about my discount 's iknow for sure I do n't owe over $ XXXX.and to find out who authorize Insurance on phone. 

Please SOS WITH Companies Thanks in Advance. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Marlette Funding, LLC (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On   XXXX   XXXX   , 2017 I looked  logged into the website  by Bestegg to see if I was qualified and what my rates would by ONLY. On their page where I entered my information, it stated that to check rates and to see if you are qualified your credit WILL NOT be affected. My credit was affected immediately! I was alerted within 2 minutes that my credit was affected. I called the customer service department of Bestegg and was assured that my credit was not affected. I received a call 1 week later by a customer agent from Bestegg asking if I was still interested in the loan. At this time I explained how upset I was about the false  advertisement and how my credit was affected when I read on their front page that my credit would NOT be affected by just checking rates and to see if I qualified for a loan. If you do not accept their loan then your credit is not affected!! This agent seemed to be genuine and was going to pass my complaint on to her supervisor and I would receive a call from this person and  1 1/2 m onths later I am still waiting while my credit is looking awful as I am always working hard to keep it perfect. This is not a company that I would ever work with after I was a victim of fraud and lied to b y two differe nt individuals within this company. I am due some type of restitution for causing my  credit score to rise against my will leading me to have to w ait to refinance my mortgage until this is removed from my credit.   The name that appears on my credit from BestEgg.com  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: For the past 5 years, since XXXX 2011, I have made payments faithfully every month as much as I can to Navient or XXXX XXXX. I continue to get 6-8 phone calls daily from them. A female from Navient called me at my work today. I have never given them permission to contact me at work. When I asked her how she got my number, she responded, " I found it. '' I told her I never gave them permission to call me at work. She began telling me that I am 880+ days delinquent. I told her that technically I am not, as I paid {$30.00}, which is all I can pay, on XXXX XXXX. She said technically I am delinquent because I have not paid the amount required. I told her that I can not afford to pay any more than {$30.00} a month. She said that she found that hard to believe. She went on to tell me that I choose to not pay any more, that I am unwilling to pay any more. I told her that I owe bills to other people. I told her my rent was {$1100.00} a month. She said, " well, you need to find a cheaper place to live. '' She accused me of not wanting to pay. She even laughed at me when I told her that I could n't pay {$70.00} a month. She made me feel worthless. I said, " Shame on you for judging me. You do n't know my financial situation ''. She said, " Well then you need to stop refusing to pay what you owe ''. I told her that I am paying, but she argued that it was n't enough. At one point, she said, " you do know what will happen to you if you dont pay do n't you? '' I said, " yes, I 've been threatened before. And when and if that day comes, I 'll have an attorney. '' She started laughing and said, " An attorney? If you can get an attorney to represent you, you can pay your loans like you 're supposed to. '' I have gotten to the point that I no longer answer my phone. They call from all different numbers in different states to try and throw me off : XXXX, XXXX, XXXX, XXXX, XXXX. And now they 're calling my work. I do n't know how they got my work number. I have never given them my work phone number. They are bullies. And now they 're stalking me by searching to get my work info. The total amount for the loans is less than {$20000.00}, and that includes 10 % interest for each loan. I am being harassed and threatened over {$20000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had my student loans closed and forgiven through XXXX 's XXXX XXXX XXXX XXXX discharge, but Navient still shows the account 's as open and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: In trying to set up a new roommate, I was sent a Cashiers Check for {$2900.00}. Only part was supposed to be for rent, the remaining was to help set up a car for the college student coming to live in the room. I deposited the check on XX/XX/XXXX, waited until the XX/XX/XXXX to withdraw cash to send for the car payment, and then waited another day to send the money for the supposed car payment, and then another day for the second half of the payment. After {$2000.00} was sent for the car, the check, even though it is a cashiers check, was bounced the next evening. So now I am out {$2000.00} because Wells Fargo allowed the apparently fraudulent check to be cashed and make the funds available for multiple days. When I called them to deal with this issue, they refused to compensate the fraud even though it was them that allowed a supposedly secure check to process and then bounce. They will not own up to their fault in this fraud.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings experian, XXXX have been reporting it, please help me to have them removed from their reports thanks

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 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was told by XXXX university that my degree was accredited and would be accepted anywhere, I have been turned down by multiple jobs due to not accepting degree from XXXX. I graduated in XXXX 2009, have attempted to find jobs to fit my degree with no luck. 
I am now stuck paying back the loans, with amounts I can not possibly afford monthly, and never being able to use my degree.

Company response to consumer: Closed with explanation