milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2017 I tried to withdraw money out my PayPal account, to my surprise the account was then limited. The last transaction I sold was on XXXX XXXX, 2017. PayPal operating as a money transmitter in the state of Georgia is not allowed to hold peoples fund for 2+ months. I have {$260.00} being held and I 'm not receiving any interest. I contact PayPal on XXXX XXXX, 2017 at XXXX and spoke with XXXX ( manager id # XXXX ), she told me they wanted to hold my money for 180 days. I would like my money released so I can close my account and be on my way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The address that is showing is not mine as well as the phone numbers showing is not mine .... My correct address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX and my correct phone number is XXXX which is not correctly reflected in this report ... I also noticed my middle name is spelled incorrectly please correct it with the information that is on my drivers license which is correct XXXX XXXX XXXX. I have tried unsuccessfully to get this information updated through the online system that they use.

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 11/20/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is in reference to case XXXX. Wells Fargo representative XXXX XXXX has been in contact with us via US Postal service asking for more time to address our concerns. He contacted us via U.S. Postal service twice. XXXX letter dated XXXX XXXX which we received on XXXX, and the second letter dated XXXX XXXX also received on XXXX. It asks for our patients while they research. We have no problem with an additional 60 days for answers to our concerns. Wells Fargo attorney, XXXX attorney XXXX XXXX has changed our foreclosure hearing to XXXX XXXX. 
We are requesting additional time to review Wells Fargo 's research. We require additional time from the requested time line Wells Fargo has requested to sign documents we do not understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Medical) with Radius Global Solutions LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Central Credit Services continue to harass me over a {$100.00} balance owed on a workers comp claim. Work Comp has already said they are going to pay it. 
They do n't want to hear it. They keep insisting it 's my debt and give them my debit card or credit card so we can not have a further problem. They threaten to ruin my credit and continue to harass me all the time. They are ruthless.

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 11-09-2015 about Debt collection (Credit card) with GMA Investments, LLC (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This agency has been calling my home every other day leaving messages and threatening to look up my job info if they donot hear back from me and other threatening tactics. I have send a cease communication letter in writing XXXX/XXXX/15 asking to only be contacted by mail, they have since called again on XXXX/XXXX/15 & XXXX/XXXX/15 leaving messages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: These people are loan sharks! I am a XXXX. My husband was the only XXXX in my family working while I attended college. He left as soon as I finished. I have XXXX daughters. I can not afford to make my loan payments and the degree I have is n't helping me. The only job I can get is to XXXX, so I am returning to school to get a XXXX. AES is ruining my life. They want me to pay them almost {$600.00} a month with no job. I borrow money to pay them but I need to have my payments lowered while I am in college. They refuse to do that. I do n't know what to do. I feel as if I am suffocating. I do n't even want to live because of them. I want to pay them and I will pay them, but I can not pay until I have a job. The only way I can get a job is to teach. This company will not relent and they will call you until your phone blows up. It is no use trying to work out something with them. They will not listen and they 'll write you back the same thing they said all along. Please help! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from XXXX in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''

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 05-05-2017 about Student loan (Private student loan) with AES/PHEAA (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX I filled out a loan agreement and added three stipulations to the agreement. I asked the student pay interest while attending school. I asked to be notified if the loan does not get paid and I asked the loan be denied if the terms were not agreed to by all parties. XXXX XXXX XXXX manipulated the documentation and removed all three stipulations. They then pushed the loan through and sold it off to NCT. My signature is not on the promissory note and I did not agree to the loan. In XX/XX/XXXX XXXX was the depositor on the note and they filed chapter XXXX. A large number of loans were dissolved as a result of that action. I am currently asking American Education Services for Proof my signature is on the documentation they have, for evidence the National Collegiate Trust has authority of the loan in the form of the loan location or batch number example:XXXX or XXXX, and validation the loan was not dissolved as a result of XXXX going out of business. I have been talking with AES over the past 11 years about this matter. I did provide a completed Fraud packet but they sent it back to delay the results of the investigation. They now request a new fraud packet for the purposes of obtaining my current contact information. I have one negative mark on my credit and that is AES. I pay all valid bills on time and pay off all debt I sign for but I will not pay extortion to a scam operation that will not take the time to validate the evidence they hold. I will not continue to allow them to effect my credit when I made them aware of the fraud 11 years ago. I have spent wel over 2000 hours on the phone and sent 100s of letters and emails trying to get this matter resolved. I have contacted two state governors and three IGs. I have written the current president asking for help. I have gone on social media to let others know of my circumstances and I am waiting for results. This is my seventh complaint about this company with the CFPB. Can you please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit card () with DISCOVER BANK (MD).
Issue: Payoff process

Complaint: I had several attempts to get information about my account and payments. unfortunately I have n't received any statements and other confirmations. Please consider my complaint as serious as possible to stop the discriminating process of women. I never was in bankruptcy due to discrimination process of employment and rejects to pay the bills I ca n't find or reach any information about my accounts and if I do it all messed up. They prevent me to find any job and apply through internet to any available positions blocking my internet connection that nobody is receiving my application. My keyboard does n't work properly, I have never filed bankruptcy or anybody contacted me I do n't have any paper work to proof that I am in process and I need a lawyer. Since they started to harass me I ca n't do anything even use my computer or buy a new XXXX to protect my privacy and financial stability of loosing all information any place I go for employment it said XXXX I will never find employment at will any other places. My administrator password from my computer is under CIA spy agency. 
I will stop all payments until I will see my statement that money that I pay are not lost. I do not know anything nothing is billed or mailed to me as confirmation of all payments. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company is stating that I owe an apartment complex. I have never resided at this community or had utilities at this particular location. I have reached out to the property management company, which stated they had no record of a lease due to new ownership. I also attempted to dispute the claims but have failed. They just state I owe an outrageous amount and that it needs to be settled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have  XXXX  accounts w ith Midland Funding  #  XXXX  and #  XXXX  and I have requested debt verification more t han one ti me and this company has not provided me that information. It has been more than 70 days and not information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information that this account be deleted from my credit report. They have indicated that since that they have not provided me verification that they were going to delete the information from my credit report, but they have failed to remove from my credit report. I have sent them and the credit bureaus more th an 4 letters  requesting verification which they have refused to provide me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This this is not a duplicate of CFPB Case number : XXXX as it is a new and separate incident. 

On XX/XX/XXXX, after the issuance of the XX/XX/XXXX for XX/XX/XXXX installment statement and immediately prior to the Trustee Sale of XX/XX/XXXX, Bank of America bought down the principal balance associated with this account twice, meaning it was bought down XX/XX/XXXX and put back after I called Bank of America on this illegal activity related to a mortgage or Deed of Trust and then bought down again XX/XX/XXXX. 

According to the information and representations provided to me on XX/XX/XXXX by XXXX ( Customer Service Department ) and XX/XX/XXXX by XXXX ( Home Retention Department ) Bank of America employees, the XX/XX/XXXX and XX/XX/XXXX installment payment amount is {$1100.00}, reduced from {$1500.00}. I was also informed the adjustable rate mortgage ( ARM ) will adjust between {$1100.00} and {$1200.00} effective XX/XX/XXXX which is supported by information received from the Trustee, XXXX XXXX XXXX XXXX ( XXXX ), that the MAXIMUM bid at Trustee 's Sale and public auction has been reduced to {$300000.00}. Obviously, this amount excludes the MHA and CalHFA monies due at time of sale. To date, neither the MHA and CalHFA debts have been satisfied and are currently attached to the account. 

This account is a signature loan as established XX/XX/XXXX and the associated real proprty had not been used as collateral to secure the XX/XX/XXXX Deed of Trust that Bank of America has foreclosed upon after a seven ( 7 ) year delinquency and after a rejected settlement offer made a year before recording a Notice of Default ( NOD ). Clearly, the Notice of Trustee Sale ( NTS ) ( which I have yet to receive a recorded copy of ) is a retaliatory action related to a mortgage or Deed of Trust. 

All previously mentioned resolutions are desired and mandatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have made consistent payments since at XXXX, possibly even going back to XXXX. Often times I have doubled my payments in an effort to quickly pay down the principle. When I inquired why my principle was not decreasing I was told that when I made extra payments that accelerated my interest, and any additional money I paid only went to interest instead of the principle. So essentially I had just been giving money away. So for probably the past year I have only been making minimum payments, but I have paid no less than {$290.00} per month every month for the past six years and only approximately {$1900.00} has gone to the principle on my loan. For some reason I have 5 separate loans with Navient. Since I've been making minimum payments I notice they are allocated in a way that I will always have a past due balance on at least one of the loans. For example if I have due payments of {$50.00} for each loan, and I make monthly payments {$250.00} ; one month the {$250.00} will only be allocated to the consolidation loans, then the next month it will be allocated to my other loans and the fees and interest from the previous month. Additionally every time I call them always try to talk me into a forbearance, a hold, or a adjusting my monthly payment which I have learned result in higher loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted both the the company in charge of the incorrect collections account as well as Experian to have it reversed. Speaking with Experian they refused to offer any real assistance and when asked to speak with a supervisor I was refused this as well, and told I could recieve a call back but there was no gaurantees.

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 04/21/2017 about Debt collection (Credit card) with Army and Air Force Exchange Service (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This debt is beyond the Maryland Statute of Limitations. It is illegal for a debt collector to collect on an expired debt. They have taken illegal action by seizing my Maryland State Refund when the debt had already expired and beyond the Statute of Limitation which is 3 years in the state of Maryland

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 07/14/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My daughter has made payment arrangements with Navient for student loans on which I am the co-signer. The arrangements are in effect yet they persistently call several times per day even on Saturdays and Sundays!! They called on XXXX occassions when my daughter was at home and she spoke to them about the arrangements that were made and asked that the stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been paying on my student loan for 9 years, and recently noticed the total balance barely changed. Went to Navient website XX/XX/XXXX, and exported entire loan history to XXXX. Using the information provided I determined I 've been paying an average of 55 % interest since XX/XX/XXXX. 
I can not get any explanation with online tools and can not hold long periods of time on phone with automated system. Finally, appropriate email contacts are difficult to find or not published.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Credit line increase/decrease

Complaint: Synchrony bank was very unprofessional on how they treated me lied and gave me incorrect information multiple times on different calls. No one will trey to help me I 'm asking to have my credit limit adjusted back to what it was because of a simple mistake on my end because I forgot to pay a {$16.00} bill they adjusted my line of credit from  XXXX  to  XXXX  which is a huge decrease I have already made the payment and asked if they could make an exception and help me since it was am honest mistake. It seems like no one is willing to do anything about it and says it can not be manually changed I think that is a lie and they are chosing not to. Never did I receive a notice ahead of time saying if we do n't receive payment there is a possibility we  XXXX  make a change to you loc. I wish I was notified before this change was made to have the opportunity to fix the situation if it was irreversible. I am deeply disappointed on how I have been treated and the inability of the company to do anything to help a card member ov er 1 la te payment. I honestly do not feel like the company handled correct products and procedures at all.

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 07/15/2015 about Mortgage (Conventional fixed mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (WA).
Issue: Credit decision / Underwriting

Complaint: WASHINGTON FEDL SVGS is reporting an a negative mortgage account on credit report of XXXX XXXX of XXXX, WA. Account and property was granted to the ex-spouse at the time to dissolution of marriage and court order was issued releasing XXXX XXXX of any obligation and liability related to the property and this loan. Numerous attempts to Washington Fedl have been ignored and this account is still actively reporting to XXXX damaging credit and causing financial distress to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Medical) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ive received my XXXX communication from Credence Resource Management LLC for an XXXX debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the hospital and ambulance company and found out the person they transported was at a XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up in an ambulance, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives in XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage as Im a State of California Finance Officer. I want this company to remove my miaden name and address from their files and stop trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (I do not know) with Professional Bureau of Collections of Maryland, Inc. (CA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Company continues to call and state that I owe money but will not disclose to whom or for what. I do not have any outstanding 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 01-05-2017 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing statement

Complaint: XXXX as well as expiration/terms of promotional interest rate is not disclosed on monthly statements

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