milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Student loan (Non-federal student loan) with Social Finance, Inc. (MD).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: !!! Document the rates you are offered along the way and be sure to check the final rate on your loan!!!! 
During the pre-approval process, I was offered high rates for refinancing my student loan. I added my husband as a cosigner and the pre-approved rates dropped. I selected the 4 % fixed rate for 7 years. I then continued through the process. 
After getting " approved '' I received an email stating that the terms had changed. I logged in and it was not obvious what had changed. I called SoFi and was told that my rate had improved to 5.75 % and that I should just sign. It seems that the lower 4 % rate did not get recorded in the system. I was then told it was higher because they were unable to verify my employment. After verifying my employment, they told me I was never offered the 4 % rate. I am 100 % sure that I was offered this rate. The current rates that SoFi is offering me are barely lower than my current loan, and I would have never proceeded with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (MI).
Issue: Application, originator, mortgage broker

Complaint: My husband passed away in XXXX of 2013. We had a mortgage with XXXX XXXX XXXX ( servicer ) When I tried to have everything turned over into my name I was told that I had not signed the note therefore I would need to assume the loan. My loan was than transferred to Seterus INC . I have been working with them for the past year to assume my mortgage but they are behind in the assumption dept. so my documents are expiring and I have to re-submit. I spoke to someone today that said I need a Non Recourse Assumption ad she was going to try and get info for me and I should call her back in a week. Seterus is a servicer for XXXX who purchased my loan from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Wells Fargo, who has already admitted to opening TWO fake accounts in our family members names, recently sent me TWO new debit cards in my name. These cards were not requested, and they are separate accounts from each other and seperate accounts from our personal accounts. These came in seperate mailings, and are further evidence of FRAUD of this bank. We recently bought a home, and we believe that these 2 additional credit cards may have affected our credit score negatively, causing us to have a higher interest rate. My husband and I are furious and disgusted with this bank, and need the authorities to stand up to this fraudulent institution.

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 02/13/2016 about Debt collection (I do not know) with High Point Asset Inc (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For several months I have been receiving recorded messages threatening to take some undefined action against me if I do n't return the call within 24 hrs, or by the end of the day. These calls are mostly from XXXX and occasionally XXXX and XXXX. When returning the call to the first number there is no answer. At XXXX time they identified themselves as Highpoint Assets. They ask for a person who has a similar name to mine. These calls come at least daily and sometimes more often. I did reach a person at the second number and found out it was about some credit card, which I do n't have. The calls stopped for about 6 weeks and started again recently.

Company response to consumer: Untimely response
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX gave my loan to Green Tree. I never received notification. Upon my XXXX payment due they said they did not receive it in the mail so I needed to pay it then with a convince fee of {$12.00}. For the next few years we have been bombarded with ugly messages and harassment. It is my understanding starting with XXXX my loan was not properly signed ... the same with XXXX XXXX XXXX ... XXXX XXXX of Greentree is an awful person ... .she has been very rude to us

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with PAYPAL HOLDINGS INC. (OH).
Issue: Unsolicited issuance of credit card

Complaint: I signed up for a new Paypal account today. At the end of the sign up, the screen prompted me for the last XXXX digits of my social security number and had a button to click next to it. This appeared to be the regular process for creating the new account. The next page said I was approved for {$1500.00} in Paypal Credit. I immediately called the XXXX number to customer service to see how this happened. They told me that when I entered the last XXXX digits of my SSN and clicked on the button, I agreed to sign up for their credit service. I did n't see anything on the page about Paypal Credit until after I had been approved. It was very deceptive. They closed the credit account over the phone but said there was nothing they could do about the hard inquiry on my credit report. They said I could write a letter and fax it to Paypal Credit to request they remove the inquiry. This entire process was deceptive and confusing. It appears that you must fill your last XXXX digits of your SSN to sign up for Paypal, but what you are really doing is signing up for Paypal Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I've contacted the source for the credit agency XXXX XXXX to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and TranUnion continues to report that XXXX XXXX is reporting the information is correct and remains the same. I've submitted the report from XXXX XXXX and they still refuse to correct the information or show proof of anything different from XXXX XXXX or the Courts.

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 07/14/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Capital One Bank XXXX/XXXX/2017 - I have closed my bank account back in XXXX XXXX at Capital One Caf Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( 1 hour driving from my house ) and they told me that I will receive the remaining balance in my account by check in my house in a few days. This whole process took more than 1 hour.
<P/>
XXXX/XXXX/2017 - I did n't receive my money yet, so I called to Capital One ( XXXX XXXX XXXX ) to ask for information. They apologized and informed me that my check was sent to my wrong profile ( confirmed was their mistake during the call ) address and I should get a new check in 5 business day. Their ticket number : XXXX ( Security Number ) for tracking purpose. Was wasted another hour on the phone with.
<P/>
XXXX/XXXX/2017 Once more, worrying about my money I called Capital One. I explicitly explained to them I need that money to pay my bills. They apologized again, and they have raised my case to " high priority and the new time given was 2 or 4 business day to get the check.
<P/>
XXXX/XXXX/2917 Tired to wait for my money, I was calling their support for the fourth time to explain the whole situation again and to ask where my money went. Then Capital one support representative wrongly transferred my call to Capital One 360, and their representative wasnt able to help because theyre a different bank not able to help and finish the call. As you can see, Im super frustrated since I dont have my money yet and some bills are already due because of it. I need help to solve this as soon as possible. Moreover, I should not be BEGGING to have my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I received a call, and my oldest daughter got a call on her work phone as well, stating that I owe a balance to this company and that they were going to report negatively on my credit report. I was told that if If I were to pay the amount in full, the Debt collector will remove the derogatory remark off my credit report. I asked what this debt was for and they said that they could n't give me any information on that. I asked if there was any way of contacting the original debtor and they said they could not help me. The only response i was getting is if I were to pay the amount in full I would ultimately get it removed from my credit and or I would set up payments to fulfill the amount. I am not sure who this debt is from, the collections agency sounds like it is a cellphone, they keep calling my cell and my daughters work phone number AND I do not know what this collection is for ...

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 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was scheduled to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in English. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, Transunion, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am XXXX I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX and the stress these companies have caused me have effected my XXXX, I 've spent large amounts of money sending certified and expedited mail the last XXXX months with no results. Thank youXXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XXXX , I applied for a  Bar Loan t hrough  XXXX  know  Navient. I r eceived the loan in the amount of {$15000.00}. Later in  XXXX , I paid a lump sum in the amount of {$5000.00}. Afterwards, I made reduced payments under the reduced payment and interest plan for about 3 years. According to the billing statement received  XX/XX/XXXX , I owe {$14000.00}.  <P/> Also, at the latter part o f  XX/XX/XXXX , I s poke with representatives to re-certify for the reduced payment and interest plan. I was informed by multiple representatives that I did not qualify. However, in  XXXX  the automatic payments for the reduced payment and interest plan were still being deducted from my bank account in the amount of {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last XXXX or so dollars was turned back over to the State through the Alaska XXXX XXXX XXXX XXXX XXXX to satisfy the remanding balance of the loan. The Alaska XXXX XXXX XXXX XXXX sent me a letter verifying the debt had been paid. The XXXX XXXX I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska XXXX XXXX XXXX XXXX regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska XXXX XXXX XXXX XXXX stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney XXXX XXXX, and Federal Trade Commission.

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 11-05-2015 about Mortgage (Reverse mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan with GMAC they went out of business and Owen was my lender for my mortgage I had to hire a consultant to fix my problem with them .they had fraudulent claims on me with my loan I spoke with XXXX attorney general office the issue was resolved after I paid XXXX dollars .they made fake claims against me spoke with people from XXXX who did not have a clue what I was saying I was forced to get a modification now my credit is ruined I wo n't to move and quicken loan tell me Owen states I was two years late on my bills this is because of Owen fraud I need my credit fixed so I can buy a new home and run away from Owen

Company response to consumer: Closed
Consumer complaint received 02/18/2017 about Prepaid card (General purpose card) with CITIBANK, N.A. (CT).
Issue: Managing, opening, or closing account

Complaint: I returned several items to my local Home Depot on XX/XX/2016. The receipt I was given showed XXXX separate credits, apparently because I 'd used different cards for the purchases. However, although XXXX of the credits did appear on my Citibank Visa ( for {$160.00} ), the other XXXX credits ( for {$25.00} & {$39.00} ) were apparently credited to XXXX different prepaid Visa cards. The problem is that because the XXXX prepaid Visa cards had already expired at the time the credits were issued, there is no way at all for me to access the funds on the card. I did call both gift card issuers and they confirmed that there is no way for me to use those funds. I do n't really understand how Home Depot could have credited these XXXX amounts, {$39.00} and {$25.00} to EXPIRED prepaid cards. It seems like the expiration dates ought to have come up on their computers at the time they attempted to process the credit. I should have been offered the option of a store credit, which I could actually have used. As it stands I 'm out a total of {$64.00} with absolutely no way to recover those funds. The identifying info on the Home Depot receipt is as follows : At the top of the receipt : XXXX XX/XX/2016 XXXX PM Cashier XXXX : *ORIG Rec : XXXX XX/XX/2016 XXXX XXXX At the bottom of the receipt : XXXX VISA $ XXXX XXXX VISA XXXX XXXX VISA XXXX Thank you. 
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 monetary relief
Consumer complaint received 12/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying XXXX for two years on a student loan debt that is owned by Navient. XXXX has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. XXXX has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act. 

I would be willing to settle the student loan debt for {$5000.00}. Navient had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to XXXX, including after Navient offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid Navient XXXX of dollars over the past two years. 
During the past 4 years I have filed multiple written complaints and have copies of, against Navient and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act. 

I would be willing to settle the debt for {$5000.00}. I have been making payments to XXXX for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from Navient. In addition, before FAMS I also paid another debt collector that Navient had hired to collect on the debt, XXXX of dollars. The only reason Navient switched from the old debt collector to XXXX was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle the debt for {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX XXXX XXXX XXXX filed a complaint with Chex Systems Inc. which resulted in a joint account of XXXX XXXX & XXXX XXXX was closed without notice. My personal account at XXXX was closed also. We were told to contact XXXX and Chex Systems to find out why. At the time the XXXX account had several hundred dollars and my XXXX account had over {$9000.00} all of which was refunded to us. These accounts were in XXXX, Ca. I have not been able to open a bank account since which is an extreme hardship. 
In XX/XX/XXXX, I wrote Chex Systems a letter to have the negative information removed but they refused stating XXXX would not withdraw the complaint. I need to open a bank account now as I have accepted a job in XXXX, Ca. but am unable to open an account which I need for auto-deposit payroll as well as my Social Security! I recently wrote Chex Systems a letter to again request removal of this negative information. I do not believe I should be banned from having a bank account for unknown reasons and have no way to have bad or fraudulent info removed from my credit history! 
Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio recovery refuses to acknowledge my letters and disputes. They bought an account from XXXX XXXX that they insist was opened by me. It was not opened by me. They are nothing but vultures preying on innocent people. It almost seems like extortion, they report this negative information, which brings down my credit score, until I agree to pay for something that is not mine. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Late fee

Complaint: I paid my bill late on the due date late in the day & send a email. Asking chase not to charge a late fee. their did & well not remove. My name is XXXX XXXX my email address is XXXXXXXXXXXX. the transaction # XXXX on XXXX/XXXX/2016 It is a XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with monetary relief