milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2016 about Debt collection (Payday loan) with Enova International, Inc. (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I do not believe I even owe this company any money. Some person on their behalf emailed me a threatening email claiming arrest warrants, contact my employer and garnish wages.

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 11/15/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was telephonicaly contacted by ARA, Inc and I spoke with a XXXX on XX/XX/XXXX about a debt collection attempt. I was informed that the original creditor was XXXX, the original debt was {$6700.00} which he further stated had been written off in XXXX, and the current debt to include fees/interest is now {$15.00}, XXXX. XXXX was very courteous and respectful throughout our conversation but I informed him that I did not recall any matters which might pertain to such a debt. He left me with the impression that legal proceedings were in the process of being pursued. I stated that based on the information he provided to me the Texas Statute of Limitations which is four years would have expired in XXXX ; however, I felt I needed time to think about this matter and my rights/options in such cases. XXXX stated he would hold on to the legal " paperwork '' until the next day and I would contact him again about this matter on XX/XX/XXXX. As agreed I contacted ARA, Inc on XX/XX/XXXX and asked for XXXX. I was told XXXX was in a meeting but XXXX ( sp? ) who I was speaking with stated he was a manager and he could help me. I informed XXXX that based on such limited verbal information I had no alternative but to dispute the debt. My intention was to let ARA know that I would in writing request validation, request essential specific information, and at this point dispute this debt. I also asked him if this was a " Time-Bared '' debt which he refused to answer ( I believe federal law requires him to tell the truth which he would not ). Unfortunately, XXXX then became extremely aggressive and rudely and repeatedly stated " XXXX, you owe this debt '' without letting me talk. He hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I orginally started with just two direct loans one subsidized and one unsubsidized loan with XXXX. I learned that had expanded over my attendance at devry was actually 9 loans each with different interest rates, to which i was never notified or was had explained. This has made my loans near impossible to pay with minimum payments being 500+ dollars, this has negatively impacted my credit greatly. And also has caused my much emotional and mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 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: Old information reappears or never goes away

Complaint: I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I disputed this twice, it was removed and XXXX erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.

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 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was 90 or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month XXXX XXXXXXXX sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.

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 01-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I entered into a repayment plan with Navient from XX/XX/XXXX-XX/XX/XXXX. My monthly payment ( which is automatically deducted from my checking account ) is consistently misapplied, resulting in my loans becoming past due and frequent phone calls from the servicer. I have contacted Navient multiple times to resolve this issue, and yet there has been no resolution. This is frustrating as even though I make a monthly payment, my loans are consistently at risk of becoming past due if the servicer misapplies the payment and I do not catch the mistake. Conversations with the servicer have not brought any results, as this issue keeps coming up. I am concerned about having my credit negatively impacted if the payments continue to be misapplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. ().
Issue: Other transaction problem

Complaint: As part of the negotiations with Paypal under complaints XXXX, XXXX, and XXXX I talked on the phone with XXXX XXXX XXXX, Operations Counsel of Paypal, and he promised me that my Paypal account " XXXXXXXXXXXX '' will be removed the limitations to oprate and allowed to be used normally. However, as of today, Paypal has not yet respected the pledge by XXXX XXXX XXXX. 
In the meanwhile, there were some email exchanges with some XXXX counterparts ( XXXX XXXX, Case Reference : XXXX ) that only put obstacles and tried to ignore the word by XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have applied for loan cancellation for teachers XX/XX/XXXX. It was denied because it was stated that I attended XXXX University from fall XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I attended XXXX XXXX. XXXX XXXX XXXX University XXXX XX/XX/XXXXreceiving degree in XXXX  XXXX. after retiring in XX/XX/XXXX I was informed last year by Navient loan services my loans could not be consolidated. I sent them documentation pertaining to the amending of the pre XX/XX/XXXX laws concerning XXXX loan forgiveness. My documentations have been denied. But I have been sent loan repayment statements and is expected to pay {$450.00} per month. Last year I qualified for .XXXX  dollars repayment according to my IBR payment. I am XXXX years of age and have worked in both XXXX XXXX and XXXX for XXXX XXXX. I do n't understand what is happening to consumers today. They work for poverty wages and pay their loans also. Why have greedy loan serving company being able to force us to pay until we reach age XXXX before my loan are forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt Recovery Solutions was supposed to have removed derogatory information from my credit reports. It has been 60 days since their letter stating such. It still remains on my credit reports. 
REFERENCE CFPB CASE NUMBER 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 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I planned to take advantage of a balance transfer offer from CitiBank. I went online and chose the option for a check for a specific amount to be mailed to me. That check never arrived, but instead I was sent some blank balance transfer checks, so I used one. However, the check I deposited into my checking was returned by CitiBank, costing me {$19.00} for the NSF. I checked with Citibank and they had put a HOLD on the first check that they had cut for me ( the one I never received ) and for that reason the second check - the one that I deposited - was not honored. I questioned Citibank on the fairness of doing this and asked for a {$19.00} refund. Citibank stated it could not provide a refund, so that same day, XX/XX/XXXX, I requested they close my account and refund the overpayment. CitiBank did in fact closed the account the same day, but they are still sitting on my balance and refusing to pay. It was my understanding that I am to receive a check for an overpayment within 7 days of written request. It has been over seven days and still no word.

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 03/29/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Settlement process and costs

Complaint: Hi, In the fall we refinanced our mortgage with Wells Fargo. 
After we filled out the paperwork, they set us up to get an appraisal with a completion date of XX/XX/XXXX. Wells Fargo then set a closing date of XX/XX/XXXX. The appraisal was ordered on XX/XX/XXXX and was completed XX/XX/XXXX, and then we waited. The appraisal came in 2 days early on XX/XX/XXXX. Which was scheduled to be in. time for a closing of XX/XX/XXXX. Just before XX/XX/XXXX we revieved a call from our loan officer, telling us that we needed to pay {$750.00} for a lock extension to ensure our rate of 3 %. He said with all the business they had, the docs department could not produce our documents by XX/XX/XXXX. He said that if we did not sign the lock extension, we would have to start the process over from the beginning. So we signed. Wells Fargo then moved our closing date from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the day we closed the mortgage, the mortgage rate at Wells Fargo was still 3 %. 
I am asking that my {$750.00} be returned. Wells Fargo knew the date the appraisal would come in, but yet they set and decided not to move the closing date. They said our documents sat in their documents department too long. They said the appraisal took too long. 
1. The appraisal came in 2 days earlier than they told us originally. 
2. They picked the appraiser. 
3. They controlled how long the documents sat in their documents department. 
4. I should not have to pay for their inept handling of the refinance. 

I wrote to them on XX/XX/XXXX. On XX/XX/XXXX they wrote back and blamed the delay in the appraiser. In our closing documents, Wells Fargo also attempted to charge us a mobile notary fee. We saw that and objected, since there was no use of a mobile notary. 
In reviewing our claim they said they place that fee in every contract. People must ask to have it removed if there is no mobile notary. How many people do n't realize it is in there or do not know to take it out?? I would venture to say that 90 % of their closings do not involve a mobile notary. What a scam!! 
I hope someone will look into other cases where the closing delay was caused by Wells Fargo and they extorted a payment of a lock extension fee. I hope someone will force them to not place the mobile notary cost in every contract. If people do n't see it or understand they can ask it to be removed ... Wells Fargo gets money for nothing. 
I thank you for any help you can provide, XXXX, Or 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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
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: There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX as scheduled. Also attached is a payment ledger from 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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with Navient ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact Navient. I have contacted Navient several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I have called Wells Fargo 3 times about closing a secured Visa card that I had with them for {$500.00} for about 2 years. 
I called in XXXX, XXXX, and XXXX. 
They refused to close this account, by their actions the account remained opened until I called in XXXX XXXX, 2016 and spoke with a Supervisor, XXXX XXXX. 
He told me that He would close the account but I needed to pay {$39.00} to balance the collateral amount to {$500.00} and that that I owed XXXX, which he took over the phone and he said your money will be back in your account immediately. 
XXXX XXXX, my checking account was debited for {$450.00}. 
Today XXXX XXXX, 2016, I called again concerning the amount that was suppoe to be credited to my checking account. I spoke with XXXX, supposing to be a Supervisor, and asked him when will my money arrive in my account. He told me another XXXX to XXXX Well, it should have been in my account by now, but Wells Fargo, refuse to close my secured card and now I have to wait another 45-60 days. This is not right. And I will be moving my accounts as soon as I can.

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 05/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is FRAUDULENTLY sending communication via regular mail. 

The date they print on the letters is NOT the date they actually SEND the letters. I have found many cases that they are mailing letters XXXX 10 days LATER than they are printing the date on the letters. This is FRAUDULENT as many times they expect a response within a certain # of days from the date of their letter. They are BACK DATING the letter or failing to mail it for MANY days. 

This causes a lot of trouble for people like me.

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 03-10-2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (NC).
Issue: Managing the loan or lease

Complaint: I have a missed payment on a loan that is my ex-wife 's double wide. She got the double wide in the divorce. The loan company would not allow her to refinance due to her credit. The judge put an order in that no matter what her payment history was, it could not affect my credit. That has been 15 years ago and she has been late on a regular basis. The loan company has just started putting it on my credit. Please help. I have worked very hard to get my credit good, and no it is poor.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. XXXX XXXX Credit refuses to submit a removal or resolve the situation with Equifax as Equifax needs XXXX XXXX Credit to start the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with ResidentCollect, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017 I sent a validation letter to Resident collect inc. to validate an alleged debt which they saw I owe, I do n't agree, so I need validation. 5 days later I received a computer generated bill with what looks like a someone forged my signature. I sent a follow up validation letter and received the same computer generated paperwork. I never did business with Resident collect, I never agreed to pay this company a dime! I want to know why I owe this company {$4200.00}. please have them provide proof of any agreement that grants them authority to say I owe a debt, Resident collection authority to collect on any alleged debt any any judge name that signed off on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Trouble during payment process

Complaint: I have communicated with  XXXX  from bayview loan servicing on  XXXX / XXXX /   2017  and told her that bayview loan servicing is doing fraud by charging me for insurance and not paying  XXXX  insurance.     In  XXXX   2017  I got a call from my insurance agents office stating that they havent received a payment for the insurance in the sum amount of  XXXX   XXXX .     Consequently I made a payment of  XXXX  and this is reflected on my credit card statement.     I have asked bayview loan servicing to please pay my money back plus the interest that they have charged me.     But the attitude of bayview loan servicing is like of a  XXXX . They are stubborn and they dont want to resolve their mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with EXETER FINANCE CORP. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Exeter Financed called several times each day for several weeks looking for someone that is not attached to my phone number. I had asked very nicely several times to stop calling that they were calling a company cell phone. The calls did not stop. I would receive up to 8 calls in one business day. I spoke with a manager on XXXX occasions and the calls have not stopped. They are trying to collect a debt from someone, but will not accept that person is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and equifax have lowered my credit score for no reason, AND ITS ERRORS, I have my credit card since XX/XX/2017 and have never missed a payment, and account always said ''good standing '', my score was a XXXX in XX/XX/2017 and went down to a XXXX, it should have gone up, so whats the problem i ask, why did they lower my score, since then i closed the account over 2 weeks ago and its showing a XXXX balance IS TOTALLY WRONG, THAT WAS A SECURED CREDIT CARD [ my money ], AND THE BANK SENT ME A CHECK FOR XXXX CENTS AND CLOSED THE ACCOUNT UPON MY REQUEST, NOW I WANT MY CREDIT SCORE RESTORED TO WHERE IT WAS BEFORE, this is total XXXX with major fraud, see pics of proof,

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX XXXX on a closed XXXX XXXX checking account.The letter indicated {$560.00} as an amount owed which is incorrect. 

On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX Remediation Department that the bank owed me {$85.00} and enclosed a check in that amount. That check was cashed at my current banking institution. 

XXXX XXXX XXXX should have received correct information from XXXX XXXX concerning this alleged debt prior to notifying me. As a result, the information in which I received from the collection agency is incorrect and therefore violates the Fair Debt Collection Practices Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation