milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I submitted XXXX separate request for XXXX different schools I attended to navient for consideration of a borrowers defense foregiveness within the last XXXX weeks. I called both navient and the dept of education to check the status of these request and was told no record was found of the request. I 'm XXXX percent sure the request for the borrowers defense forgiveness was received as I received confirmation of this. I attended XXXX in XX/XX/XXXX-XX/XX/XXXX for a XXXX and was led tonbelieve I would have assistance with finding employment after completion of the program. This did not happen and I was unable to find employment as a XXXX period. In XX/XX/XXXX-XX/XX/XXXX, I attended XXXX career institute for a XXXX. Midway through the program, students learned that the school was being investigated for fraud in reference to student loans and was ultimately shut down by the dept of education after a lawsuit was brought against the school and its founder. Due to this, I was unable to obtain any documentation of completion or transcripts from the school or Dept of education due to my academic records being seized as evidence. Until this day, those records are unable to be located. I was unable to attend an XXXX to XXXX program due to not having access to these records. I was also unable to transfer my XXXX to any state but the state I was originally licensed in due to not being able to provide any transcripts ofrom this program as required for license by endorsement. I was unable to transfer credits earns from my XXXX to my school once i returned to pursue my XXXX degree. I had to retake the courses in order to further my education. This has ultimately cost me a lot of money and I would like to have my loans forgiven due to these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I have submitted police reports in XXXX XXXX XXXX and XXXXPrecinct XXXX XXXX XXXX where the perpetrator lives. 

As a member of Paypal who does all my processing, I was assured protection from illegal charge backs. However PayPal have lost 4 times including XXXX XXXX by XXXX XXXX XXXX that were done under PayPal seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. 

When presented with all the evidence which Paypal states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to Paypal prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by Paypal - PayPal now refuses to honor their liability. 

To date I have paid {$2300.00} in illegal charge backs to Paypal. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also Paypal refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. 

I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws of XXXX. Clearly evasive action by Paypal not to honor their commitments. The internet is full of cases where Paypal routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's XXXX whom all state Paypal is notorious for this practice. 

There are XXXX more charge backs potentially coming from the same customer whom Paypal advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus PayPal fees. 

I need help. Paypal is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. 

I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by Paypal. Please contact me for any additional information. I have also filed with the FBI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: I was working with a mortgage loan officer and he kept promising me the moon and stars only to come back later and tell me that he could n't deliver. He then kept sending me documents with certain amounts that I would be responsible for at closing only to turn around and tell me in an email that I would be expected to bring an extra {$2000.00} to closing and when I sent him a copy of the document that he had me to sign, he acted like he did n't know what it was. Then when I had finally had enough of the back and forth from him and his empty promises, I went to a different lender and because the loan is FHA, they had me to sign a form stating that I wanted them to release the case number to the new lender. That is when he emailed me copies of a float down agreement that I signed, the first XXXX was for USDA signed on XXXX XXXX, 2016 that stated that if did not close a loan with their company that I would be charged a fee of {$970.00}. When I emailed him to inform him that this was n't a XXXX loan and that the document signed was irrelevant, he then sent me a copy of the FHA document that I signed on XXXX XXXX, 2016 which was signed before the XXXX loan that he promised me that he could deliver and said that I would be charged a fee of XXXX if I did n't close that loan with him. That document became voided when he had me sign the document for the XXXX loan, however, according to the terms outlined in the document. This guy has been using hostile tactics and basically holding me and my bank account hostage so that I use his company to close my loan. He has threatened me and told me that he will be forced to take that money from my account when he never even explained what the document I was signing was for. The only reason he had my bank card number in the first place was because I gave authorization for him to charge me for the appraisal and now he is going to use my bank card information from the appraisal to charge me this bogus fee that he is coming up with in the XXXX hour basically. I have since then decided not to continue with any loan and not to even try to buy a home at this time because of all the XXXX frustration involved in this matter with this lender. For me and my family having to pay a nearly {$1000.00} dollar fee is a huge amount of money. Money, that we work hard for each day to be able to provide for ourselves and my fianc 's daughter, as well as our fur babies. That is definitely not something that I just want to hand over to him for services that he has n't even provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My complaint is with Equifax. I tried to go online and get my free credit report, and when I tried to enter the code at the bottom, it told me each time ( 3 times ) that I had entered it incorrectly. Then it told me that I needed to request my annual credit report by mail. I called Equifax at XXXX-customer service. I could get it if I signed up for their program that costs XXXX. I told them that I was not going to pay for something that I am entitled to get for free. I then requested that they send me a hard copy. They told me that there was no way that I could get it online. They being representatives XXXX and XXXX. I went ahead and requested to have my report sent to me in the mail. They said it would take a week. This is just wrong! I should be able to get it for free and online like I did for XXXX and XXXX. I had no problem with them. It should also be noted that I also tried to go online and request my free credit report a month ago, and I could not get it either.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with 4M Collections, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX tire center is trying to collect on an account that was opened with my fathers social security number due to the fact that i did not qualify for credit because I had filed for XXXX Bankruptcy XX/XX/XXXX. Due to financial struggles and health issues my father was forced to file for bankruptcy in XX/XX/XXXX or XX/XX/XXXX to my knowledge. Ive received a book-load of receipts and invoices where my name is shown. Their collection agency has called and threatened the guy was very rude, telling me the collection was going to stay in my credit and he would make sure it did, after I asked for a copy of the application with my social, which they cant seem to provide. Also asked for a credit report where they had ran my credit, they cant seem to find that either. They do n't even have my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX in XXXX va from XX/XX/XXXX until XX/XX/XXXX when I graduated with an XXXX in XXXX XXXX. During my time there I was told that all of my student loans were taken care of through federal loans or tc temporary school credit which I would pay back. When I graduated I was told my loans took care of all my debt and I did n't owe anything. Well ive been getting notices from XXXX for the past 3 years and they all said account balance {$0.00}. Today I received a notice from XXXX saying that I owed {$29000.00} for a loan and I was {$11000.00} past due with a payment of {$370.00} a month. I am unaware of this loan being that all my federal loans are together and add up to {$40000.00}. I did n't take these loans out to my knowledge and believe I was tricked or lied to about how my tuition was paid. I would like to be part of the lawsuit against XXXX for predatory practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Accounts with debt collector that have no relationship with or never done business with.

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 04/25/2017 about Debt collection (Private student loan debt) with ConServe (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The calls started beginning of  XXXX . I 've been getting calls on my cell phone from the #  XXXX , I would answer and no one would say anything, just dead air. I do n't remember all the dates but it wa s 3 or 4  days in a row. On  XXXX / XXXX /  XXXX   I got a call on my work # from the same number. When I answered, the person Identified himself as  XXXX  from Conserve. I asked him not to call me on my work # and I needed a day or  two to find th e paperwork they sent me. The next day,  XXXX / XXXX /  XXXX   I got yet another call from  XXXX  at Conserve at my work #. I advised him I just talked to him yesterday and asked him not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Trouble during payment process

Complaint: I have been asking for like 10 years, yes years, for the balance my escrow had in it when it was transferred from Washington Mutual Bank to Chase Bank. They have sent me everything but what I have asked for .... the ending figure that was to be transferred that Washington Mutual had.

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

Complaint: Equifax mishandled my personal information by failing to properly secure data on their systems which has led to a cyber-security breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with or include arbitration clauses in ToS. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
Equifax corporate insiders should also be investigated for potentially cashing out stock prior to announcing the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with OCWEN. Each year when they renew my loan information I end up short in my escrow due to homeowners insurance going up or something they 've done. I always pay the difference so I can keep my monthly payment the same since I live on a budget. I called to verify the amount short and asked if it would remain the same if I paid the shortage or a little more, the lady with OCWEN said if I paid little more than what was short, it should be at the same payment or even a little less. I wrote a check for a few dollars more than what the shortage was & mailed it on XX/XX/XXXX. On XX/XX/XXXX I called OCWEN to see if they received the check because it still had not cleared my bank ; and what my payment would be. The lady I spoke with said yes they had received it and applied it, however my payment went UP a few more dollars instead of going down or remaining the same. So I paid a little more than what was owed according to the contract paperwork OCWEN sent me. I asked why and she said because my insurance went up. I told her they have never done business with me this way and that my payment should stay the same as it did in the previous years. She said they do n't allow the amount to go back to what it was anymore, I asked why & she said because my insurance went up. I mentioned again that this is what they stated on the XX/XX/XXXX updated loan contract, why does she keep blaming it on the insurance going up, it goes up every year and this has never been the issue. She said they just do n't put it back to the original amount anymore. So I said, not only did I pay more than what they said it would be short ; my payment is going up more, so I 'm just giving them extra money for nothing. Needless to say I 'm currently looking into refinancing with another company. Also as of today XX/XX/XXXX, the check I sent them on XX/XX/XXXX still has not cleared my bank, so I 'm going to call them again to inquire about it. OCWEN is a nightmare. I have never been late on a payment yet I 'm being treated as if I were not the customer but in debt to them regardless. Several years ago I had to file a complaint because I was paying a little extra and marking the appropriate box where I wanted this extra $ to go. OCWEN never applied it to my choice, they applied it to their choice so it messed my finances up. They eventually fixed it after I got a lawyer involved. Shame on these big bully companies for pushing around EXCELLENT customer. I have thorough documentation regarding the two conversations I had with the two OCWEN representatives, names and ID # 's.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Closing on a mortgage

Complaint: During the closing process of home loan our lender was late on closing and told us he would pay for the late fees ( per diem charges ) After closing of escrow we did not receive reimbursement for those fees. We submitted a complaint and the lender responded stating those fees were reimbursed to us through our realtor which is just not true. This is an attempt to recover fees XXXX XXXX from XXXX XXXX said he would pay for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation  : 1 .  XXXX   XXXX  2.  XXXX   XXXX  3.   XXXX     XXXX  #  2   XXXX  also shows a high limit on a collection account which is also falsely reported.

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 06/26/2015 about Mortgage (Conventional fixed mortgage) with Midwest Loan Services, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage LTV is currently 77 % and the mortgage service company will not remove my PMI. They have sent a new letter stating I must have a 75 % LTV. 
Last year, when the LTV was at 79.6 %, I sent a written request to remove PMI and they denied my request but did not explain what specifically disqualified my request. This was a refi but I 'm not seeing anything in the rules making it different from an original purchase. 
If the law says PMI must be removed when I reach 78 % LTV, why can the mortgage service company keep charging me this fee?

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (NJ).
Issue: Fraud or scam

Complaint: Wire transfers in the amount of {$4100.00} was wired by Wells Fargo Bank to XXXX XXXX XXXX on behalf of a known fraudster known as XXXX XXXX XXXX XXXX XXXX. These wires were made between XX/XX/XXXX to XX/XX/XXXX. Several attempts were made by me between XX/XX/XXXX through XX/XX/XXXX to recover the funds directly from XXXX XXXX XXXX. On XX/XX/XXXX I requested a wire recall directly from Wells Fargo, no satisfaction has been made to date. 

A complaint by me has also been filed through your organization against 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 08-12-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Advertising and marketing

Complaint: XXXX partnered with Citi to issue a branded credit card. One of the benefits of the card is priority boarding. After reading the fine print, I applied, was approved, I received and used the card in accordance with their rules. I am now taking a trip, and I do not have the priority boarding. They tell me I had to purchase the ticket with the branded Citi credit card. However, there is nothing I can see in their fine print saying that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: THIS IS THE 3RD TIME THAT I HAVE ASKED EXPERIAN TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. 
IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.

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 08/26/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Sometime around late XXXX or early XXXX my wife got a notice from XXXX XXXX bank indicating that we owe on a credit card. we responding that we never had a XXXX XXXX credit card, but was taken to court. the case was dismissed in court but XXXX XXXX has been still trying to collect, using XXXX collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from Portfolio Recovery Associates trying to collect the same XXXX XXXX account. XXXX XXXX Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.

Company response to consumer: Closed with non-monetary relief