milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I had to stop working in XXXX because of an ankle injury. When I call Wells Fargo to inform them that I was suffering a financial hardship and that I would n't be able to make my first repayment I was told that I still had to pay XXXX 's payment. I also informed that woman ( I do n't remember her name ) I talked with the first time that I would be going back to school in XXXX. She said I would only be able to get an in-school forbearance. I called again today, XXXX XXXX, and spoke to XXXX, XXXX, XXXX, XXXX, and a fifth person whose name I did n't catch and informed them of my situation. XXXX transferred me to XXXX to discuss my issue with not being able to afford my payment because I only recently found a job. I was given a ten day grace period even though I informed him that I can not afford a {$250.00} payment. I was informed him that I would be going back to school in XXXX. I was then transferred to a third person ( I did n't catch his name ) to discuss my repayment options. I was then transferred to XXXX to discuss refinancing my student loan. Though I was informed that my interest rate would go up and I would still have to make monthly payments while I was in school, which I ca n't afford. I was once again transferred. This time to XXXX in customer service. After explaining my situation for the fifth time I was thanked for being part of a military family and told that even though I 'm suffering through a financial hardship and that I just recently found a job that I still have to pay {$250.00} on XXXX XXXX, which is the new due date. After explaining to each person about my current financial situation and that on their website it says that Wells Fargo can help if someone is suffering through a financial hardship by setting up short-term payment relief for up to two months as long as youve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, loan modification program which may temporarily or permanently lower payment amounts. I was still told that I had to pay for the month of XXXX but I was never given an explanation as to why I have to pay the {$250.00} even though I have been suffering through a financial hardship since XXXX and only recently found a job.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had numerous problems with Navient since I began repaying my student loans. Navient is my servicer for the Parent PLUS loans my mother took out to help me pay for college, so although she is the account holder, we agreed that I would be paying the loans back. It is my back account set up for auto-debit, and I have had the majority of customer service interactions with them. At every step of the process, they have made an already XXXX experience so much worse by being unreliable. They have applied payments incorrectly many times, despite written and verbal instructions on how I 'd like them applied-they have applied them to the wrong loan, or spread them out between all my loans, or even applied them to my brothers ' loans which are currently in deferment. After this happened the first time, I learned that Navient could not be trusted, and began monitoring my account very carefully, which is how I caught the other errors. Then, every time my mother or I call with a question about the account, we get a completely different answer depending on who we speak with. Every time we 've been told someone would look into something and follow up with us, no one has. A few weeks ago, I called and said that I 'd like to share the extremely frustrating experience I 'd had, and they said there was no way to do that. I asked what that meant, and they said the only way would be to file a complaint. I said I would like to do so. They then said they would look for a manager, put me on hold, came back and said no one was available. I asked if someone could call me back, they said ok and tried to hang up without taking my contact information. I provided it, but it has been several weeks and I have not heard back from anyone at Navient. I have made an enormous effort to stay ahead of my student loans by always paying on time, and making extra payments, and I can not express how disappointed and frustrated I am with Navient. I feel that they are completely incompetent, and I do not trust them with my loans or with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Mortgage (VA mortgage) with Lennar Financial Services, LLC (TX).
Issue: Settlement process and costs

Complaint: I submitted Earnest monies to North American Title. I filed contract for " Return of Earnest Monies '', from the Seller of XXXX XXXX XXXX XXXX XXXX Texas XXXX. Seller and Realtor had no issues with signing contracts and returning calls to my realtor. Now I have decided against buying the home because lies were placed on the sellers and seller does not want to work with me regarding the roof damage. Now it has been close to a month and the North American Title has not returned Earnest Monies. TitleCompany states can not get in contact with seller. I can bet you that house is still on the market and seller/ Realtor has no problems contacting new prospective buyers. North American Title is intentionally delaying process of returning my monies. Two weeks ago I was told I would get a return call from North American Title regarding my earnest. Did not hear from North American Title. The Sellers agent is lying or the Title Company is lying. Lets see what the Title Company tell you the CFPB in writing under a Federal investigation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (KY).
Issue: Trouble during payment process

Complaint: Fay Servicing says since they tried to pay my property taxes that they have a right to set up an escrow account on my mortgage and divert my regular payments into the escrow thus leaving my mortgage in default. 1. fay servicing never paid my taxes I did. 2. I was never notified of this change in my contractual mortgage agreement. as required by law. ( 1. TITLE XIVMORTGAGE REFORM AND ANTI-PREDATORY LENDING ACT, at any time after such an account is established in connection with any such transaction and in accordance with any statute, regulation, or contractual agreement, to close such account, the creditor or servicer shall provide a timely and clearly written disclosure to the consumer that advises the consumer of the responsibilities of the consumer and implications for the consumer in the absence of any such account. ) I found out about this misappropriation on my XX/XX/XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Struggling to pay mortgage

Complaint: While negotiating a loan modification with Wells Fargo back in XX/XX/XXXX, my home was put into Foreclosure in error by Wells Fargo ( Dual Tracking ). I fought the Foreclosure with two Chapter XXXX filings ( XX/XX/XXXX, XX/XX/XXXX ) which provided an automatic stay while Wells Fargo and I worked on several HAMP Loan Modifications. When 3 successful trial payments are made to Wells Fargo, they intentionally neglect the structural issue ( XXXX ) in the home and provide false appraisals based on Comps. WF continues to this day in not doing an actual on sight analysis and are back to square 1 and starting over. The first chapter XXXX ( XX/XX/XXXX-XX/XX/XXXX ) was successfully completed with Wells Fargo not receiving anything from the Trustee because they were aware that the loan mod was being worked on during the duration. This process continues with the new chapter XXXX filing ( XXXX-present ). A HAMP Modification was completed in XX/XX/XXXX but the final paper work revealed errors and flaws and I stopped making independent payments after 2 months. All I want is for Wells Fargo to recognize the structural issue and reflect it in the actual appraisal. We were awarded damages by the National Settlement for Improper Foreclosure Filing back in  XX/XX/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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, they would n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 10-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: was unable to start repayment on my student loans and navient informed me I was ineligible for deferment due to the fact i made more then the maximum eligible salary. They then stated the maximum salary you can make and be eligible as a full-time employee. The amount was substantially lower then minimum wage as is legally impossible to make that low of a income. They then forced me into a forbearance causing my loans to continue accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Credit card) with Platinum Holdings Group, LLC (MA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: They have called me numerous times and have said they are trying to serve me, but the local civil court has no knowledge of me being served. I Demanded a debt validation letter by US mail. They give me an attitude and threaten to call everyone I know after I told them to stop calling anyone but me. I have no remembrance of the debt and I 've asked for them to take it to civil court and id be happy to go and resolve. They continue getting angry and wont let me speak and just continue saying they will call anyone they want. 

There have been many complaint about this company XXXX XXXX XXXX reference # XXXX Here are complaints by other consumers. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have lived in the same place for over 12 years every year i ask EQUIFAX XXXXXXXXEquifax Information Services LLCXXXX XXXX, Georgia XXXXi never had a problem with the other XXXX credit reporting companys just equifax for 12 years at the same address refuses to give me a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have had my loans sold and moved on multiple occasions. I have never missed a payment. I have been out of school for 8 years and have hardly made a dent into my student loans. I have paid thousands and thousands of dollars and have called many times trying to get into a plan that will actually reduce the overall loan. I have been told I am in forgiveness plans and moved from program to program. I have been falsely led. As a result, despite paying anywhere from $ XXXX {$350.00} a month for 8 years, I have only put about a {$2000.00} dent into the loan. This does n't make any sense and I have had NO help in getting out of it. I have tried to do it the right way. I ca n't get straight answers from anyone about my plan and am routinely talking to people that hardly speak English. I define the entire experience as fraudulent and misleading. There is no reason that I have not had any of this forgiven or made a much larger dent into my student loans. At this pace, I will pay off my house, a much larger loan, in a faster amount of time than my student loan. I have been dumping money into a bucket with no end in sight. I believe I am entitled to a reduction in my student loan number. Not because I do n't want to pay it back and do the right thing. I took the loan, I owe the money. I believe I am entitled to a reduction because I have been taken for a ride for the last eight years and my student loan has not been reduced. I have been mislead and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA 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 08-05-2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I would like to report a lender ; CASHCALL INC. I took this loan in XX/XX/XXXX and they approved me for {$5000.00} when I originally only asked for {$2500.00}. They told me I could refund the rest of the money once I was approved. Then they made it extremely difficult for me to simply return the rest of the money ( I spoke with multiple representatives telling me different specifications ) that I ended up keeping it. Since then, I continued paying but I never saw the balance going down until I lost my job in XX/XX/XXXX and they are not willing to work with me in lowering the payment. They keep harassing me with the phone calls and offered to settle the debt for very high amount. I never noticed the interest rate was high or the terms of the contract. According to a recent letter, they send me, I still have XXXX payments left to meet the terms of their contract in the amount of {$370.00} each, which totals {$33000.00}. Finally, they charged off this account in XX/XX/XXXX and this is damaging my credit. They are now demanding to settle this account for a steep lump sum of money, which I do n't have.

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 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: O n XX/XX/XXXX, 2017 my Chase Freedom credit card was stolen. My card was used in XXXX XXXX XXXX, 3000 miles away from my home. I was NEVER in XXXX XXXX XXXX. the following transactions showed up on my credit card statement.
XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$5600.00} I received a information from Chase onXX/XX/XXXX asking me to confirm the transactions. I immediately called the same day of the transactions and reported them as fraud. THE SAME DAY. Chase said they " validated '' the charges as mine and refuse to refund me the {$6800.00} that I am owed. Chase needs to mark these transactions as fraud and refund me the money I am owed. I have also been charged almost {$500.00} in interest charges from these fraudulent charges. They need to be refunded to me. I obviously do n't know my card number for the old card ending in XXXX, but I will provide my new card number.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Money transfer, virtual currency, or money service (Foreign currency exchange) with TransferWise Ltd (NY).
Issue: Confusing or misleading advertising or marketing

Complaint: Ok theXX/XX/XXXX Transferwise which exchanges currency and funds. Advertised a new borderless account that you can use to transfer money and pay bills with in different currencies. I exchanged Pounds sterling into dollars {$600.00}.

I was told several times by Transferwise staff that payments can be debited and bills paid.

When I made the payment on the XX/XX/XXXX. The money {$600.00} was returned because Transferwise changed there mind and decided not debit any account even though I was told I would. Because I was using that money to pay my credit card those funds were past due and my account is in delinquent significantly decreasing my credit score. My credit card company charged me {$110.00} cents in late fees and interest charges. I was told via phone on Saturday XX/XX/XXXX by a member of Transferwise called XXXXXXXX XXXXv that any late charges of fees will be reimbursed by Transferwise for any inconvenience caused. Also I filled a complaint and no one returned my calls. I called 5-6 times and yet my complaint was ignored and Transferwise refused to honor the pay even though they said they would. Transferwise has misled me through false advertising and refuses to be accountable for there mistakes

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To whom this may concern, I am writing to report that address information on my credit report is entirely incorrect. Specifically, according to TransUnion, I lived at " CEASE DESIST, XXXX, SD XXXX '' from at least XX/XX/2015 to present. ( Please see attached credit report ) Obviously " CEASE DESIST, XXXX, SD XXXX '' is not a valid address and it should be investigated and immediately removed. 

An investigation is required because I wish to know whether it was TransUnion or another financial entity that reported this clearly erroneous information that violated the Federal Fair Credit Reporting Act, consumer protection laws, and state laws. If this is a record inserted by TransUnion I want to know why this record was inserted and what justification TransUnion can provide - be specific as to why TransUnion believed that submitting a know to be false address to my credit report meets the " true and accurate '' requirements of federal law. If another financial institution reported this information, please provide to me the name, address, date, and contact information for the financial institution that reported this information. 

By putting/accepting, and maintaining known to be false information on my credit report, TransUnion and their affiliates have effectively barred me from opening any bank accounts that conduct an address / residence check by comparing consumer provided information to credit report record information. As the CFPB has become aware, locking consumers out of financial products is highly damaging and there is reason to believe that this behavior is widespread effective thousands if not hundreds of thousands of other customers.

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