milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I get a loan with XXXX who was payoff on XXXX and still open. The company did n't want to closed this account for no reason.

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 04-07-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (ID).
Issue: Deposits and withdrawals

Complaint: I was selling a truck on XXXX. A buyer emailed me to say he wanted the truck. I was selling the truck for {$1800.00}. He said he was going to send me a cashier 's check for {$3300.00} because he was in another state and he wanted me to send money to his car mover who would come with a trailer and pick up the truck. I took the cashiers check to my bank, Wells Fargo. I told the teller I was suspicious of the check and that I would like a manager to look at it and tell me whether it was legitimate. XXXX XXXX XXXX, the service manager of the branch, came out and looked at the check and said, " It looks good to me, I do n't see any telltale signs of it being fraudulent. '' She also said, " once the money posts to your account, the money is yours and you can spend it. '' She told me I could also send it off to someone to check it for validity, but I told her that if she said it was good I trusted her. She said it was. I deposited the check that day. XXXX XXXX then told me that, since this was a Friday, if the money posted to my account on Monday then go ahead and spend it. I waited the weekend and the money posted to my account. I sent {$1400.00} of the money to the address the buyer provided in New York.I first used my portion to buy food. I then began paying off debts. I bought some clothes, and put some gas in my car. The next day the buyer emailed me again saying that his uncle was sick and that he needed the rest of the money back and that I could keep the truck. At that point it seemed to me that it had to be a scam and I immediately called the bank. The bank told me that they had decided it was fraudulent and they had taken all of the money in my account to begin to pay off the fraudulent check. There was approximately {$700.00} of the truck money remaining in the account. They took that. On XXXX XXXX, 2016, my Social Security payment was direct deposited into the account and they took it. I went to Legal Aid and they called the bank. XXXX XXXX admitted to my attorney that she had told me all that I stated above. She did this both on the phone and in emails. She lied and said that she asked me whether I was supposed to send money somewhere. She never asked me that. I would never have used that check without XXXX XXXX 's approval. But for her telling me to go ahead this mess would never have happened. My attorney called the bank because they are still pursuing me for the rest of the money. I told the bank that I thought the right thing for them to do was to write off the loss and let me close the account. They have refused to do so. Wells Fargo preyed on me and now they are continuing to do so. This is not right.

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 09/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated from XXXX University with my XXXX Degree in 2012. I XXXX currently owe Navient about {$70000.00} in private loans. Most of my private loans have an interest rate of 8 %, 9 %, and even 11 % with an unfavorable repayment term. I am interested in consolidating my various private student loans into a more favorable loan with a lower interest rate and a more appropriate repayment term ; but I 'm afraid I have no options. The flexibility enjoyed by many people across this country with a variety of loans, does not apply to me with a private loan. Please advice regarding the current situation with private loans and possible solutions for people like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Settlement process and costs

Complaint: On XX/XX/XXXX we took out a loan # XXXX with GMAC mortgage for {$300000.00}. On XX/XX/XXXX with did a refinance with GMAC Mortgage loan # XXXX. On the enclosed HUD statement a payment of # XXXX was made to " Internal Payoff to GMAC Mortgage ''. However per letter dated XX/XX/XXXX when they did the lien search it had not been placed on the property therefore they did not execute a release of Lien. However after that a lien was placed on the first loan that had already been paid off. The was recorder on XXXX XXXX page XXXX for the amount of {$300000.00}. This should have never been put on since it was paid off on XX/XX/XXXX as stated in the letter from GMAC. 
We are trying to get a loan and are unable to since the lien is still on our property. Since GMAC mortgage no longer exists I tried calling XXXX. They would not help me and gave me Ocwen contact. I called Ocwen and they also would not help me as they only have information on the Active loans. 
In addition the title company that serviced the refinance is no longer in business. We need help on who has the GMAC documents and can help provide us the release of lien that was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Mortgage) with Selene Finance LP (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received a phone call today from Selene Finance attempting to collect a debt discharged in bankruptcy. My mortgage. Attached also is a copy of a letter I received on XXXX XXXX, 2015. I do n't understand why it is taking so long to foreclose on that house.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to another company. When I inquire about PMI insurance they are stating that the purchase price was XXXX when in fact the original purchase price was XXXX through my original mortgage company so they are not counting the {$29000.00} I already paid into the mortgage. I feel that I do have 20 % invested into the house and I have never been late on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Forbearance / Workout plans

Complaint: I have credit cards with Chase and I have contacted them to arrange payment. I indicated to their customer service contractor that I am having difficulty in meeting the even the minimum payments on all of my credit cards. I asked them if they have the same program that XXXX have extended to me ( 59 and 60 months repayment plan with lower interest rates ). They said that they do not offer such a plan and I should pay my credit card. I want to pay off my debt but I just need time to get caught up. Thank you for whatever help you can extend to me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports.  XXXX  shows {$6500.00} and closed and Transunion shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with   XXXX   XXXX   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 08-11-2017 about Debt collection (Other debt) with Collection Professionals, Inc (Wyoming) (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I hired a local company to fix my hot tub. He completed part of the repair but then never came back to finish the repairs. I prepaid for all repairs on my credit card. Since he never came back to finish the repairs and would not return my phone calls I disputed the unfinished portion of the repair ( about half of the total credit card bill ). He then sent me to collections for the whole amount, plus another unidentified {$760.00}. The collection company has identified that I still owe the payments even after verifying payment. The said they sent me a verification of debt, which I never received. I asked them to help me understand their collection process and said I would pay what is owed, just not for uncompleted repairs and false promises. They said I owe the debt immediately and that I will be reported to the credit bureaus. I have fully contested the collections with letters dated X/XX/2017 and X/X/2017

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Credit Company :  Barclaycard  Reward Program : Take {$100.00} Off Your  Next   XXXX   XXXX   Flig ht Offered By   XXXX   XXXX   XXXX   XXXX    MasterCard Pro blem : Reservation was made on  X/XX/2017   at   XXXX  as instructed by the program. However the tab " Gift Card/eVoucher '' was no where to be found on the web page for entering the flight discount code and the pin. I went ahead to complete the flight reservation. I wrote to  Barclaycard  on  X/XX/2017   an d raised the issue. I have attached the   XXXX   reservation Record  Locator Code and a copy of the reward offer discount code and the pin number I received a response from Barclaycard  dated  X/X/2017   -telling me they were unable to complete the request and a sked me to call their Customer Services. I call ed Barclaycard Customer Services  on  X/X/2017  . Th e Customer Representative told me to try to make another flight reservation using the discount code and the pin. I told her this was not acceptable. Then she said it was not their problem. It was   XXXX   XXXX   problem After waiting for an hour to connect with  XXXX , she came back and told me she could n't solve my problem.

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 monetary relief
Consumer complaint received 11-04-2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (CT).
Issue: Fraud or scam

Complaint: I was paid on XXXX XXXX, 2015 {$1700.00} and have not been able to have access to my money. Rush Card keeps telling people that they are going through a system update, but it is going to be a month. This was my only source of income to be able to pay my bills, feed my XXXX year old and XXXX month old. I struggle day to day trying to make ends meet. I call them everyday and all I get is the same XXXX response. I just want my money that I worked so hard for back.please help me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have completed a two terms of service with XXXX as a XXXX XXXX XXXX, and have been awarded two {$5000.00} educational awards. On XX/XX/XXXX, I submitted a {$280.00} payment from my educational award, through the XXXX payment portal, authorizing this payment to my loan servicer, FedLoan. As of today, this payment has not been processed by FedLoan, or credited to my account. Further, on XX/XX/XXXX, I authorized another {$280.00} payment from the XXXX payment portal, from my educational award, which still has not been processed or credited to my account. On XX/XX/XXXX, I conducted an internet chat with a FedLoan representative, in order to see what can be done. I was not given any answers, and as of this morning, neither payment has been posted to my account. I have also made numerous phone calls, all without success as to why these payments have yet to post.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent Account Resolutions  Services  a debt validation letter in hopes that they will furnish any documentation stating that the debt was mine. In response they sent me a letter basically stating " This debt is valid ''. There were no attached signatures stating I was in a contractual agreement with this company or the original creditor. I was not sent an itemized statement. I also asked if they could not furnish any signatures or contracts that it should be removed from the credit reporting agencies and they still are reporting negative information on my file. I would like them to provide this information or remove the negative information from my credit report.

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 09/21/2017 about Debt collection (I do not know) with Experian Information Solutions Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have made several attempts to rectify this matter with Experian and XXXX. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

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 01-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (AZ).
Issue: Deposits and withdrawals

Complaint: PayPal has issue me a debit card MasterCard which is issued by XXXX. PayPal states that this is the only " instant access '' to the funds in my account. When I try to use the debit card, I get a decline with every transaction. I then have to call into the PayPal debit card department and they will temporarily fix the issue. Each call to PayPal takes approximately 30minutes. And with each call I am informed that there is not fix to this problem. I have been told that is is because of receiving funds through paypals payflow merchant processing service. I also took advantage of their working capital loan and they told me it was because I have that money in my account. In either case, they are not doing what they state they do, they are not allowing me instant access to my funds. Sometimes I get a decline message only to call their debit department and find that they are closed for the day. Which leaves me stranded with no access to my funds. 
The interesting part is that they block me from my own funds even when I attempt to use the PIN number yet when my loan payment is due they always are able to automatically withdrawl their payment from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MD).
Issue: Making/receiving payments, sending money

Complaint: I have been a PNC customer for over 14 years. I have a checking account and I have financed XXXX vehicles through PNC. I called today to schedule a payment for my Auto loan which will be paid off in less than a month. I was told they would no longer accept my partial payment. I have always paid partial payments in the 14 years of doing business with PNC. I am getting ready to purchase a new vehicle and assure you I will be going elsewhere for financing. I will not be doing business with PNC any longer! I am highly disappointed and will be closing my PNC checking account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Auto) with Radius Global Solutions LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On XXXX XXXX, 2016 a company called Central Credit Services XXXX contacted my employer and left a message stating that I owe 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 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have visible debt collection which was paid in full on XXXX the amount of {$120.00}. I have mailed letter from XXXX of my account balance {$0.00} to the XXXX. Three years later my credit report still shows unpaid ballance. Please resolve this issue so that my account will be clear of any collections. 
Attached please see documents from XXXX and to XXXX proving my payments. 

Sincerely,

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 06-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I purchased a Body Camera from XXXX using my Capital One Visa Card. The camera was supposed to record video and download it to my computer. The camera was able to record but I spent many hours working with XXXX Technical Support and was not able to get the video to download to my computer. I even tried using a second computer, but it would not work either. I returned the camera to XXXX but they would not issue a refund because they said there was nothing wrong with their product/service. They said the camera worked fine with their computer and there must be something wrong with my computer. I did a dispute with Capital One, but they would not return the {$1000.00} because they say XXXX told them the returned camera was damaged. I thought that using my Capital One Credit Card would insure that I would be able to get my money back if the product I bought did not work right and I returned it. Capital One will not return the {$1000.00}. I was never able to get the camera to work and I returned it to XXXX Supervisor XXXX XXXX was the last person I spoke with at Capital One regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Trouble during payment process

Complaint: The Ocwen Company acquired  my mortgage loan from  XXXX  bank on  XXXX / XXXX / XXXX  with a balance of {$210000.00}. Over  a two  year period  Ocwen has charged me bogus fees and extraneous charges to try and force me to foreclose on my home. Ocwen expects me to believe that my {$210000.00} debt has climbed to {$390000.00} in 2 years. They have charged me foreclosure and property maintenance and other fees for a property that was never foreclosed on and I still  own. I have attached the list of charges. I have complained to the Missour i Attorneys  general office and CFPB in the past. Ocwen should not be allowed to lie, bully and ruin homeowners futures in  this way. I suffered a significant financial hardship after the  XXXX  real estate recession and  Ocwen is  determined to bury me financia lly. Ocwen a greed to use  XXXX   XXXX  dollars to work with homeowners and during that time they proceeded to offer me a underwater loan modification . Ocwen told me  that the investor of my loan did not participate in principle reductions. They told me that  XXXX   XXXX   XXXX  etc owns the loan. When I contacted the investor they said they have nothing to do with the day to day mortgage servicing and they do not prevent principal reduction modifications. I can not tru st Ocwen as m y mortgage servicer.

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