milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: Dear XXXX, Attached with this complaint is a copy of the email that I received from paypal stating they have my unclaimed funds. I ca n't access my paypal account because my phone number has changed so I am unable to receive the passcode on my new phone. I have contacted paypal several times and explained my problem but they are not helping me nor they are releasing my funds. I am contacting you to help me retrieve my funds from paypal. Please advise paypal to send me a check of my funds to the address below. Your help in this matter is greatly appreciated. If you have any questions, please feel free to contact me at the address below. 
Thank you, XXXX XXXX XXXX, ca XXXX email : XXXXXXXXXXXX paypal account number XXXX phn # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After pulling a copy of my credit report I noticed that XXXX XXXX is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to XXXX XXXX informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from XXXX XXXX claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from XXXX XXXX that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.

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 12/17/2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We have been enrolled in the Nationwide Bi-Weekly Administration ( NBA ) Interest Minimizer program for over 3 years. On XXXX XXXX, 2015, we noticed that our bi-weekly draws for our mortgage payment had not been completed, as scheduled with NBA. Upon contacting NBA, I was informed that all of their accounts had been suspended, and that we should have received an email in XXXX informing us of the situation. We had not received such an email. An NBA representative informed me that I should continue to make my mortgage payments to my financial institution on the normal bi-weekly schedule. I contacted the financial institution, and they said it was impossible to make bi-weekly payments to them. We would need to make XXXX payment per month, as before. Had this not came to our attention through our own personal accounting, we would have not known to send any payments to our mortgage lender, and would have ended up in default. On XXXX XXXX, 2015, I discovered, through an internet search, that the CFPB had filed a federal lawsuit against NBA, due to their ongoing dishonest practices against their customers, like ourselves.. My wife and I are asking to be included in that lawsuit as a plaintive, and to be eligible for any and all compensation that may be due my wife and I as a result of the current court proceedings, as we too have been deceived by believing that we were " ... saving thousands of dollars '', by allowing NBA to handle our mortgage payments. When, apparently, that is not the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Greetings, Greetings, I have initiated disputes with Experian and XXXX XXXX to remove incorrectly reported late payments for XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. Experian and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to Experian and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my Experian and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Blakely-Witt and Associates, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the  XXXX  day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard did send out emails to inform customers of technology updates XXXX Monday XXXX XXXX that should have been completed by XXXX.This in turn denied ALL access to funds on card.The next response from the company was that updates were taking longer than anticipated so as of today XXXX XXXX ALL Rushcard members do n't have access to all or part of their funds, have n't received direct deposits from employers..nothing.there is no one answering calls from Rushcard or Metabank or they hang up on you.So no answers and no money.my employer will not cut me a check because the direct deposit was accepted by Rushcard and they have n't rejected the funds.My paycheck as well as other card members is being held hostage with these companies.as of now ca n't pay bills ... .missing work ... this is devastating and I 'm sure there are people affected more deeply than myself.please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Settlement process and costs

Complaint: I was approached by Freedom Mortgage company via mail regarding a Streamline VA IRRRL. From the beginning ( loan application ) the loan officer put the wrong property values in the loan application. They fudged the numbers in order to make it appear as if the new loan would save me money. I am not XXXX consumer and I know that .5 % is not going to save me a significant amount on my monthly payment. The disclosure said " existing loan '' and those numbers do not reflect my current payment even after I give them my specific loan amounts. I rejected the loan application and told them that once they applied the exact numbers I provided them I would sign the application and we could move forward. The loan associate made the adjustments and we moved forward. I assumed that this was human error and that we could move past this and get on with the process. I specifically told the loan associate that I wanted the principal balance of the loan to remain the same. That I would pay all prepays and escrow at time of closing. I was very specific about this. 
Flash forward 30 days. Delay, delay, delay. That is what they did. Error after error on closing disclosures, double charging prepays and escrow amounts. Submitting then resubmitting so many erroneous documents that it was confusing to determine which was the last incorrect disclosure. Promising time and time again that they would take care of it then not respond. they pushed out the closing date again and again. Then pretended that each error was in-fact an error and not intentional. This is the name of the game with this particular company ( Freedom Mortgage ). Their claim, a no cost VA refi., yet they manage to fudge the numbers and some how the principal on the loan grows by {$2000.00} to {$3000.00}. 
The pay off shows how much is required for escrow and interest. I know because I viewed the pay off statement. I also know when my taxes are due and I know how much I have in escrow. 
This company creates confusion and I think that they are hoping that the customer will just give in and say fine lets just close this loan. It 's a tactic. Confuse consumer with the documents and the figures, tell the customer that is just how home loans work. In the mean time make the numbers are so ambiguous that it appears that the customer is saving money. It is all smoke and mirrors with Freedom Mortgage.

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 10/19/2017 about Debt collection (Medical debt) with Midwestern Health Management INC (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX is where both me and my wife received care on separate occasions. I was XXXX years old in XX/XX/XXXX when I received care. That bill was paid by me. My wages were garnished and the debt was paid. In XX/XX/XXXX, XXXX sent a debt for collection to XXXX XXXX XXXX. This debt was not mine. 

This debt was for care received by my wife, XXXX XXXX. I was told by XXXX that they were adding my wife 's debt to my name and they said it could be garnished from my wages. 

Out of fear of losing my job in the XXXX, I agreed to have payments in the amount of {$150.00} twice a month to be this debt even though I did not owe it. I had no experience with personal finance and did n't know what to do and was fearful that my chain of command would be contacted. 

My security clearance has been impacted as well. 

My credit file is showing a debt in collections to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 

XXXX is impossible to get on the phone and XXXX has likely been given incorrect information from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have the personal amex gold card which advertise airline fee refunds up to {$100.00}. I booked a flight and had to pay a separate {$75.00} for last minute booking and amex said this fee did not qualify for reimbursement. i called and opened up a case and was told it would be 4-6 weeks to investigate and i never heard anything back. 


The charge was {$75.00} onXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Sveral months ago XXXX sold my mortgage back to Bank of America. I had previously fought with BOA with an attorney for 2 years unitl they gave the loan to XXXX.XXXX and I resolved the mortgage and a contract was drawn up changing my interest and payments to {$780.00} per month for 40 years and they would pay the taxes. This contract was signed by the VP of XXXX and myself as bonding as it was negotiated between attorney 's. Within 2 months of BOA taking the loan back they started adding fees for taxes, their attorney 's payments and insurance running the monthly mortgage payments over {$1100.00} per month and climbing. They refuse to acknowledge I have home owners insurance and requested to pay the taxes myself. I was never contracted to pay for their attorney 's fees as I paid for my own fighting with them and their repeated lies. Their unlawful demands are now hurting my credit. I owe {$190.00} on a home valued at approximately {$130.00}. And am ordered to pay the bank {$54000.00} cash when I turn XXXX years of age. I have been a XXXX for 32 years and am currently working for XXXX in XXXX, Pa.

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 09/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Last year I filed a Chapter XXXX Bankruptcy to reorganize my real estate debt in XXXX XXXX County ( Case No. XXXX ). 
Chase bank attorney XXXX XXXX representing all Chase bank for my case. On XXXX XXXX you have denied my motion to stay and my appeal and approved. XXXX XXXX filed his own plan to liquidate all three of my properties, those that were underwater and those that were not. 
On XXXX XXXX the final plan was issue. XXXX XXXX XXXX, an attorney, was named the disbursing agent of XXXX XXXX plan. Two weeks after XXXX XXXX plan of liquidation was confirmed, XXXX XXXX drained all the funds in my XXXX debtor in possession bank accounts for total of more than $ 50K, without left any money left for my foods, gas, and bills pay. 
If I had not filed the Chapter XXXX and sold the homes myself I would have approximately {$500000.00} because of the equity. Now when XXXX XXXX 's liquidation plan is over my XXXX family members will be homeless with XXXX kids from XXXX yrs old, elder parents and XXXX sister-in-law. 
My attorney was intimidated by the Judge, Chase attorney XXXX XXXX and XXXX XXXX, and did not file an appeal. I have no recourse. I am desperate ; I do not know what to do. As this point I even do n't know if I still have a patience continuing to wait for my BK attorney can do anything to help me. 
As a normal person who 's is not in law profession would ever think to filed chapter XXXX can turn their life from bad to worse. I only think chapter XXXX where they allow debtor to reorganized my debts to affordable payment plan so I have a chance to keep my properties and back on track with my financial hardship. But after the court approved Chase plan they 're intentionally to push me to ended of the road, where all my family and I to be living on street and without pennies to survived. 
My attorney and I are trying to work with Chase so I can bring in certain amount of funds to settle for all of my XXXX properties but Chase attorney did not want to accepted. Rather than to put my house on the market for sale and want to eviction me out of the home if I do n't cooperated with them to sale to my property. 
I trusted the system to be fair and unbiased, and that the outcome that I would achieve through the United States Bankruptcy Court would be better than the outcome that I could achieve on my own. I was surely wrong. The outcome of this case has left me stunned and in utter despair. I can not function and do not know where to turn next. If you have any suggestions, or may have thoughts on what we could do, it would be greatly appreciated. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/2017 I called the Department of Education and got transferred to a line that checked whether I qualified for any full or partial loan forgiveness. I was told I qualified for the 'best program ' of partial forgiveness, a 'revised pay as you earn ' plan that would be based on 10 % of my income, to be re-evaluated every year, with payments starting as low as {$12.00} a month, for 20 years. After 20 years the rest of my debt would be completely forgiven. The suspicious piece is that they asked for a payment of {$590.00} for the legal fees associated with taking over my loans - when I asked whether that made my loans private, they said no, and when I asked if this was directly affiliated with the Department of Education, they said yes. I talked to XXXX XXXX. I said I could not pay the {$590.00} today ( which they asked me to pay immediately ), and they said I could pay in installments of {$150.00} today, then 4 monthly payments of {$140.00}. They have since taken {$150.00} and 1 payment of {$140.00}. They then emailed me documents to sign, asking for the first 2 pages of my tax return or last 2 pay stubs, a notarized limited power of attorney, and an authorization for release of information, which I have not signed or returned as I am afraid I have been scammed and do not want to use this service. This is all from the Student Loan Help Center, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Upon researching them more, they are not a recommended avenue for student loan management, the " Student Loan Help Center '' is a fictitious name for Brelvis Consulting LLC.

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 04-09-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: By XX/XX/XXXX, I had XXXX student loans that amounted to {$30000.00}. XXXX serviced the loan. I was a single mother and was n't gainfully employed but made {$50.00} payments in the loans. The interest rates in Pell grant 3 %, Perkins 5 %, stafford 5-8 %, supplemental student loan 12 %, and the interest rates continued to accumulate regardless of hardship or in school deferments. My loans accumulated interest for a total of $ XXXX in XX/XX/XXXX. I had been working with several agencies to try and get loan forgiveness or interest reduction. I consolidated the loan and made payments but the interest continued. I got a XXXX degree in XX/XX/XXXX and an XXXX in XX/XX/XXXX, which I paid for out of pocket and w employer reimbursement. 
I made payments at a reduced rate bc payments were {$900.00}. 
In XX/XX/XXXX, the management of the loans went from direct student loans to mygreatlakes.org. The manner this was managed was n't transparent and the agency is out to make money. In fact in the past year I received an email saying in the transition of the loan there was an error and they needed to add {$240.00} to my balance. how is that possible? Then, they added {$5.00} in my monthly payment and changed my due date without informing me and created NSF charges in my checking account. When I contacted them they seemed not to think it was a problem. When I make additional payments or try to pay to principal only they say they ca n't do that. They are n't applying payments consistently sometimes literally they apply most of the payment to interest only. This is wrong! It is like a loan shark situation. 
I completed the public service forgiveness app which has to be filed through your loan service agency and I met all the requirements having worked in non profit for nearly 6 years. But it took place before XX/XX/XXXX, and therefore I was disqualified. I should be contributing to my retirement instead of this. 
Help! 
I have confronted their questionable accounting etc but the government handed these loans over to this agency w a poor customer service reputation and they are living up to that reputation from my experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NM).
Issue: Application, originator, mortgage broker

Complaint: Rocket Mort gage (   XXXX   XXXX   ) s ent me an offer to refinance my home loan.   I accepted and everything moved along quite quickly and was approved. Then home loan interest rates jumped up, and than began to stall the process. Finally they fabricated a problem where I owned a property in Kentucky a place I have n't even been to in 37 years.   After delaying another week they admitted that it was an " error ''. Then they brought up other " issues '' about things that were clear from the first day. This allowed them to delay the process until the " lock '' had expired. Rocket mortgage just utilizes fraud as a means.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2017 about Credit reporting () with OCWEN LOAN SERVICING LLC (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Ocwen financing llc is reporting a foreclosure on my credit report twice. This is just XXXX foreclosure, having it reporting twice is causing me not to be able to get another loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac stole {$1700.00} out of my Escrow account. 
In XXXX 2016, my Escrow balance was {$770.00}. I made a payment of {$2300.00} into my escrow, and my real estate taxes ( {$1400.00} ) were paid this month ( XXXX 2016 ). I should 've had a remaining escrow balance of {$1700.00}, but PennyMac listed my remaining balance as {$15.00}. 
The problem has continued to compound throughout 2016. My XXXX 2016 Escrow balance should be {$2600.00}. PennyMac shows it as {$750.00}. There is a {$1900.00} discrepancy.

Company response to consumer: Closed with explanation