milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: American Education Services defaulted my XXXX private school loan after speaking to several different representatives about a forbearance. The process was to file a forbearance letter, XXXX from the previous year, and self certifying letter insisting that I was actively searching for a job. Since, all the job agencies were not within driving distance. A self certifying letter was viable. I provided all XXXX several times. EVERY SINGLE TIME a representative said they left a note in the system on the account. That the loan would not be defaulted while the forbearance was being processed. But every single time getting a denial letter because papers were not getting processed on time or a miscommunication by AES. My last attempt being a few weeks ago, while my delinquency continued to increase due to the long drawn out process. Over three months later, the process still did not conclude with a forbearance issued. The last representative ( XXXX ) I spoke to in early XXXX said they received every single form, but it would take 7-10 days to process. Also, that she would leave a note saying there would be no default. On XXXX XXXX, they defaulted the loan anyways because they said even though everything was processed, it was too late. The representative I spoke to gave me a number to the guarantor, XXXX, and told me to take it up with them. I immediately asked to speak with a supervisor ( XXXX ), so I could inform her that I would be filing a complaint with the bureau of consumer financial protection. The supervisor looked back into the account for notes. She said there NOT A SINGLE NOTE was posted to my account about delaying the default and that all the representatives gave me wrong information. Instead of finding a solution to the problem ; she gave me nothing. Told me she could n't do nothing and that she will email the other supervisor about employee misconduct. That 's it while completely ignoring the fact that they had defaulted my loan. American Education Services is by far the worst loan servicing system that I have dealt with. The mistrust, misinformation and improper tactics they use did not help me in my time of need. Ruining my credit as a kicker is even worst with no possible solution provided.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The original student loan I had was acquired by another company. Due to technical issues with this acquisition, my automatic payments were not automatically linked. I resigned up for the automatic payment but the website only allowed for payment once monthly on day in the middle of the month. My payment due date at the time was prior to the next scheduled automatic payment date so I opted to make a direct payment of the amount to not miss the due date. To my unfortunate expense, the website was set up so that any direct payments made negated and cancelled all automatic payments. This was not explicitly written on the website and I argued over this with a customer service representative after I found out I had the delinquency but was only dismissed for this. I had thought my troubles were over after one technical error but the delinquency from that missed automatic payment lead to another month of deliquency because the automatic payment that was scheduled did not factor in the late fee that was due and caused my account to be branded with a double delinquency. It was never the case that I did not want to make my payments. The original payments were {$42.00} monthly. This cost was not a large sum at all but lead to this delinquency that has affected me greatly. 

This derogatory mark on my credit report is extremely damaging to me. At the time, I was applying for a bank mortgage for my first home and the delinquency has surely played a negative role that has already costed me a lot of money in the bank 's decision for my home. Even now, this delinquency on my report is preventing me from getting the loans that I am trying to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016, I was sued by Midland Funding LLC on a debt claim I do not recognize. I have requested the original documents which, pursuant to ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER, they were required to have before filing the lawsuit, They have failed and refused to provide the documents on representations that they do not have the documents. Their filing of the lawsuit without having the documents is a direct and flagrant violation of the ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service ((CD) Certificate of deposit) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: My mom bought a certificate of deposit for {$800.00} on XXXX XXXX XXXX in her name and my name. She asked me to keep it safe. My mom passed away. I was looking through her papers and saw this certificate of deposit. The name of the Bank is Trust company Bank XXXX XXXX XXXX. This bank merged with Sun Trust Bank. So I approached them and showed the certificate of deposit and asked them how I can cash it. They checked with the records department and said they do not have any records prior to the year XXXX and that they can not help me. So I am filing a complaint against Sun Trust Bank. I would greatly appreciate your help in securing this money. Thank you very much. 
XXXX 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 02/26/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My husband is the primary on our JC Penney account but never uses it. We have had this account for 10 years in perfect standing. I use the credit for clothing for my school age son mostly. In XX/XX/XXXX or XX/XX/XXXX I discovered our credit limit had been lowered from {$400.00} to {$200.00} without notice because my credit monitoring agency informed me that this action adversely affected my fico score. Thus, in XX/XX/XXXX I paid off the balance & have not used the card since. Now I find out the account has been closed. Again, without warning or provocation. I called to find out why & was unsatisfied with the customer service. If my many years of faithful business is not valued and a paltry {$200.00} line of credit poses a risk to XXXX XXXX, I will NEVER shop at JC Penney again!

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 06/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Billing disputes

Complaint: A customer was unhappy with a ring I made for him and filed a chargeback with Amex. They took my money away and let the customer keep the ring. 
It is the customer 's fault he does n't like the ring. I told him that the ring needed to be wider than he wanted it, but I made it the width he asked for anyways. He approved my XXXX renderings of the ring and saw pictures of it before making the second payment. He also chipped a stone after wearing the ring for a month. So how does AMEX think it 's ok to take my money and let him keep the ring? 
I have email trails of all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Hello ... .I 'm writing this complaint to appeal against Wells Fargo mortgage. My wife and I feel mislead and discriminated on by our age. We just recently came out of a chapter XXXX bankruptcy. Everything was discharged through BKXXXX, except a few creditors, Wells fargo XXXX of them. We have entered into an agreement with Wells Fargo in good faith because they Promised to help us with our hardship. After signing all the documents and sending ontime P/I payments of {$400.00} for over 7 months ( loan # XXXX ) per said modification, the mortgage company is trying to foreclose on our property. At age XXXX and and XXXX we do n't have much. Our hardship propelled us into BK XXXX, I loss my job several years ago and wife had a tremendous loss in work hours. This affected our financial wellness. I have sent in all documentation at least a XXXX times until finally we were assured by XXXX XXXX That everything was ok and no other documents were needed and the modification was finalized and to expect the final documents to be signed. We were instead greeted with numberous harassing phone calls and demeaning tones by many other representatives who just did n't care about what we had to say. My other major concern is whatever happen to All the money that we paid specially for the modification P/I over the 7 months period. Wells Fargo said the fund was applied to the balance of my mortgage, but instead the amount owed now is vastly different. WE DONT WANT TO LOSE OUR HOME THAT WE HAVE HAD FOR SO LONG. PLEASE HELP US SAVE OUR HOME. Thank you. 

Sincerely XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Credit card) with Experian Information Solutions Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Experian will not remove persistent dispute remarks on my EXPERIAN credit report, They are holding my credit hostage, I am applyling for an home loan. I have 5 days for the bank to underwrite my loan. I can not get a home loan with persistent dispute remarks. They will not approve my loan with these remarks on my credit. I disputed these accounts over 30 days ago and received an email from Experian showing that my dispute was complete. their way of handing customer service issues is wrong. They are showing MY XXXX XXXX funding accounts starting in # XXXX and # XXXX PENDING until XX/XX/2016. That date is way past 30 days and yet, Experian claimed that my dispute was complete on XX/XX/2016.THis is a confusing and very misleading way of communication in the investigation results. I have exhausted myself XXXX with Experian trying to remove these remarks. From the initial date of my dispute to now it has caused me XXXX..My work performance has been affected as well as my home life. Experian refuses to remove these dispute remarks on XXXX of my XXXX accounts as well as my XXXX account, # XXXX and XXXX account # XXXX these all have dispute remarks. Experian is holding my credit XXXX by persistent dispute remarks on these accounts. They are holing me hostage to these remarks by not allowing me to get a home loan. I have been informed by my Mortgage, company that they can not underwrite loans that have dispute remarks. I have requested that they remove these persistent remarks and Experian refuses, XXXX and XXXX did so in 24-48 hours for me. This is so frustrating and taxing on my life and family. MY mortgage company said I may loose my down payment on a home. They are preventing my underwriter to take the next step. Once again, it is my XXXX accounts I mentioned, I need these persistent remarks removed that are past 30 day from first initial dispute. PLEASE HELP have these removed as soon as possible.MY credit and home life is being held hostage to these remarks.

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 11/22/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: XXXX XXXX keeps calling me very early everyday regarding a bill that the statute has expired over ten ( 10 ) years, I currently have a credit score of over XXXX, they keep threatening me with legal action that is not valid, please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters

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 02/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NH).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I sent {$2700.00} through Western Union to pay my two mortgage payments to XXXX MS. On XX/XX/XXXX I received a letter dated for XX/XX/XXXX that my money had ben declined. When I called Western Union the representatives who I spoke with ; XXXX ID # XXXX XXXX, XXXX ID # XXXX, XXXX, XXXX Id # XXXX, XXXX, XXXX, XXXX, XXXX and XXXX gave me the run around. I was sent to locations in XXXX New Hampshire, XXXX  XXXX XXXX and then XXXX Massachusetts. 

Not one of the locations were able to give me my money back despite Western Union insisting that they would. I called Western Union back they gave me a case number which is # XXXX and reassured me that my money would be overnighted through XXXX XXXX. When I called them today XX/XX/XXXX they stated that they could not provide mw with a tracking number and stated the check was delieved on XX/XX/XXXX. I explained to them that I have not received any check and nor a XXXX XXXX delievery. I told them that if they do not provide me with a tracking number that I would be filing a complaint. I feel that I have been robbed by Western Union and I feel it is fraudulant of them to not send my {$2700.00} back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: Hello, I am writing to you because I am very frustrated with Chase, this is my 2nd time applying for a Short Sale to avoid a foreclosure. On the 1st offer received 12 months ago, Chase decided to deny the offer because the Investor which is Chase did n't feel like working with that Buyer. 

On the 2nd Buyer that submitted the offer after 6 months under review they denied my short sale once again because the offer was too low. So Chase told me in order to dispute the Value I will have to pay for an appraisal out of pocket if I did n't want to loose my home. 

Since I had no Choice I paid for the appraisal to dispute the value, now that my dispute was valid. Almost 2 months later waiting patiently for Chase to give us the approval. Chase email us giving us another excuse stating that our Short Sale was denied because Chase ( investor of the loan ) feels that I do n't deserve a short sale!!!! 


I feel very frustrated and discriminated by Chase since this is not my 1st time trying to get a Short Sale approval. I have done everything right and its not fair for Chase to take advantage of me and my family. Please please help me end this nightmare. 




XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Credit card () with EQUIFAX, INC. (NE).
Issue: Closing/Cancelling account

Complaint: I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. Equifax and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both Equifax and XXXX and XXXX came back with XXXX credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2015 my account was negative {$170.00} and some change. I deposit XXXX at XXXX and transferred XXXX from my saving to my checking because there were XXXX payments pending XXXX for XXXX in amount of XXXX and XXXX XXXX. I had an ending balance of XXXX at XXXX. I pumped gas at XXXX in amount of XXXX. I had a balance of XXXX at XXXX pm. On Monday XXXX XXXX I still had a balance of {$.00}. I have my teller receip and my email receipt that prof that I did have enough money on my account to cover my dish network payment. You have returned my payment and charged me a fee of XXXX dollars because you decided on Monday XXXX to cover my credit card putchace of XXXX for XXXX this payment had already been paid in Wednesday XXXX XXXX. I am so tired of being robbed by you. I am a single mom working my behind off to support my kids. It hurts me that you still from me when ever you want. I called your customer service number requesting an explanation and again I was disrespected By XXXX worrell supervisor of XXXX employee number ( XXXX ). He was so rude to me andkeept lying to me trying to make me believe that I did n't have enough money on my account. He offended me and hung up on me. How can you have people like him as supervisors it is so unethical. I feel so disrespected and humiliated by how I was treated. I need you to please refund me the NSF in amount of XXXX you have charged my account. I will never reach out to the customer service number because I do n't appreciate getting abuse. The bank ca n't keep doin what ever they want with my account its my money and I am certain that their was enough money to cover my XXXX payment. I want an apology for being mistreated and for all the stress I am going through because of WELLS FARGO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with Receivable Recovery Services, LLC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested that the creditor provides validation of the debt they are attempting to collect and they have not done so I requested this to be done on X/XX/2017 and I have not received any correspondence yet it has Ben almost a month. The collection amount listed on my credit monitoring site for {$1800.00} and I was never aware of such debt in writing

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I applied to refinance my mortgage with XXXX to get a lower fixed rate. XXXX repeatedly tried to get a recent payment history from Household Finance Corp of Alabama ( HSBC ). This is required by XXXX in order to get a loan approval and HSBC does not report to the credit bureau. This process has been going on since XXXX 2015 with no resolution. HSBC refuses to fax the information and says mailing it will take up to 30 days. It has been well over 60 days without receiving the requested information. XXXX and I have called the company over a dozen times. I believe that HSBC is trying to prevent me from refinancing so that I will be bound to continue paying their predatory rates and fees. 
Also, it took a month to get pay off information. That information will be expiring soon and I do not want to wait another 30 days to get that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account with XXXX XXXX XXXX  at XXXX XXXX on XX/XX/XXXX with {$200.00} bonus offer. The offer term stated that I need to " Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the  amount of at least {$300.00} must post to the new checking account. '' and " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. ". 

On XX/XX/XXXX, I had an incoming direct deposit for more than {$200.00} to the account. However, after 60 days from that I still did not receive any bonus. I called ( XXXX ) XXXX ( BBVA Customer representative number ) on XX/XX/XXXX and was told to wait. On XX/XX/XXXX, I called again and was told that I have already satisfied all requirements but there was some problem with the system, and I will receive the {$200.00} bonus by XX/XX/XXXX. However, I still have not receive the bonus yet.

Company response to consumer: Closed with explanation