milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Great Lakes is a contractor for the Department of Education. I am on an income based repayment ( IBR ) plan requiring 120 months of on time payments under the Public Service Loan Forgiveness Program. Great Lakes is skipping one payment every year while they " set up a new payment plan '' and then the payment gets added to the end. Because the payments only get higher every year on the IBR and the interest is accruing, this means a significantly longer time to pay ( an additional 10 months if totaled ) and at an increased amount due to the skipped lower payment, higher back end payment and accrued interest. I was making a monthly payment on the XX/XX/XXXX. This year, they approved my IBR in XX/XX/XXXX, informed me in XX/XX/XXXX, skipped the XX/XX/XXXX payment and then started the higher payments due on the XX/XX/XXXX of each month. Today I attempted to correct their mistake and they told me I was wrong in my point and told me nothing could be done and that correcting the mistake by making an extra payment to cover XX/XX/XXXX would n't count for my Public Loan Forgiveness Plan. This issue has been identified by the Department of Education and XXXX has lost their contracts for the same problems. They are intentionally skipping one lower payment each year in order to add it to the back end for higher payments. This feels like an unfair practice since at no point in time is the loan being " reserviced '', " refinanced '', changing hands or doing any of the other things that normally triggers a financial institution change billing cycles or amounts. However, even if this were the case, they approved me in XX/XX/XXXX, Notified me in XX/XX/XXXX, took XX/XX/XXXX payment, skipped XX/XX/XXXX and billed XX/XX/XXXX. There is no reasonable way that they needed almost 4 months to set up a new payment plan. Please address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: This is more than just closing an account, I was the Victim of Fraud through a 3rd party company regarding school loan consolidations. The amount was for {$590.00} or so. 
The fraud was very well done, I didn't notice until several months later when my actual loan lender contacted me. It took place on XX/XX/2016, I did not find out until XXXX. I reported the claim as soon as I found out to my Bank Wells Fargo, they even help me locate the 3rd party information and acknowledge on a call that the company had several fraud notes on the web.

A few months later, Wells Fargo contacted me informing they lost the fraud claim and then they deducted the funds from my account. I tried to talk to several people from the bank and one helped me. I went to a loca branch, and the manager suggest to keep trying. The bank provided no information on how to approach this and continue saying that I lots the claim. I refused too be responsable, I was a victim. They said that was my choice and that they would take me to collections and and report my account. I try to call several times before and at one point the call was supposedly escalated to an other department and a " Manage Supervisor '' Again they offer no middle grounds and they did not protect me, the customer. 
I recently received a noticed, now they closed my account and they sent me a notification about reporting me to entity. 
Now I don't know what to do or who to contact, the bank has escalated this instead of helping. 
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 explanation
Consumer complaint received 05-01-2015 about Payday loan () with Avant Credit Corporation (KS).
Issue: Payment to acct not credited

Complaint: Generally, they will draft all the interest payments, but REFUSE to draft when I am trying to pay a lot more to reduce my loan principal ; they always act completely confounded, while they are willfully defrauding me, they keep charging exorbitant costs for their actions not mine

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been trying to remove some hard inquiries off of my credit because I did n't try to open the accounts and the investigation took to long and never removed the stuff off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Settlement process and costs

Complaint: I received a phone call from Quicken Loans on or about XXXX 2015 informing me I could refinance my current mortgage at a lower rate with no points and no costs. We began the process and locked the rate at 4.250 percent ( with no points and no costs ) and a rate lock expiration of XXXX XXXX. 

I was ready well-before the date, but XXXX was not. When they were ready, on about XXXX XXXX, I was told the rate lock had expired and that I could only have the rate that was promised ( 4.250 % ) if I agreed to pay points ( a little less than 1 % ). It feels pretty much like XXXX pulled a bait and switch, because I can point to XXXX periods in the process where they went radio silent for approximately XXXX weeks in total between the beginning of XX/XX/XXXX and end of XX/XX/XXXX ( this can be documented. ) Additionally, on or about XX/XX/XXXX-XX/XX/XXXX, I sent a series of emails to the loan officer expressing increasing alarm at the looming deadline. 

They do not deny being the cause of the delay that caused the expiration of the rate lock, but they will still not honor the offer made to me originally and that I in good faith moved forward under. I am saddened that I have to file a complaint for them to do the right thing, but here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On XXXX XXXX of 2017 I contacted Navient about options for lower monthly payments. I could never get in contact with them and they offered no solutions for me. It is not possible to contact them online through your account and it would say to call them. When you call them you get out through an automated service that leads to a dead end. I eventually had to go to the government loan website and apply to re consolidate and get lower payments. I chose to keep them with Navient, because 2 or 3  years ago when I re consolidated my private loans from navient ( XXXX XXXX at the time ) to XXXX XXXX. Navient lied to me and said they never got payment, when XXXX told me yes they had written the check to them a week before. So I ended up making another monthly payment to XXXX XXXX/Navient when they had it all payed in full from XXXX XXXX. I have never had good experiences with them and they have never been honest with me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: XXXX was loaded into my netspend Card to purchase a airline ticket the transaction was cancelled by the agent the netspend company is withholding my. Money for almost a week and a half asking for all these documents which is impossible to get I set them evidence of the transaction and they still refused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my mortgage servicing to Green Tree. Every since then it is taking XXXX3 weeks for my mortgage payment to get to XXXX, XXXX from XXXX, XXXX. They call my home before the XXXX and tell me I am late. Something is happening to the payment via mail. I do not want this company to debit my checking account for the monthly mortgage payment. This month I mailed my payment on the XXXXof of XXXX. Today is the XXXX and the payment is still not there. I have been sending my payment certified mail for the last 18 months. Please see below ; Tracking Number : XXXXImage of a progress bar displaying in-transit statusin-transitProduct & Tracking InformationPostal Product : Extra Svc : Certified MailDate & TimeStatus of ItemLocationXX/XX/2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXYour item departed our USPS facility in XXXX, XXXX XXXX on XXXX XXXX, 2015 at XXXX. The item is currently in transit to the destination. 
XXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXX XXXX, 2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXXXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXXBasically, I mailed my mortgage to GreenTree on XXXX/XXXX/15. It arrived in XXXX, XXXX on XXXX/XXXX/15. From there the post office supposedly sent it to delivery at GreenTree. However, the mortgage payment has disappeared. Most months it disappears for a week or so then it shows up. Something is wrong. I have 18 months of certified tracking show this problem. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a collection account under my name with Hunter Warfield Inc but I do not know this company. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (Other type of mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Closing on a mortgage

Complaint: I wrote to the CFPB LISTING complaint under XXXX XXXX/XXXX Master Participation Trust Fund and XXXX XXXX replied with written correspond3nce that it was determined after careful evaluation that they are the TRUSTEE for the trust which they failed to specify. They say they only handle issues with the trust and the servicer on the mortgage is the one that has the authority to handle collections, issues of foreclosure, staus of mortgage which according to these fabricated submission of Documents is CALIBER HOME LOANS. Now in XX/XX/XXXX I was served judgement of foreclosure by banks firm XXXX XXXX, XXXX XXXX, for XXXX XXXX as Trustee for XXXX. It is my understanding the servicer is the one with legal authority to collect on said monies they are stating are owed. However in XX/XX/XXXX, I wrote to the XXXX and NYS Attorney General and Caliber spoke to XXXX XXXX XXXX from XXXX and they stated I wasnt even in foreclosure or near that point, so then how am I being served thru the justice system a judgement and complaint foreclosure, and the servicer according to XXXX XXXX is the on, y one with authority to issue such claims. XXXX XXXX respresentimg the trustee or the trust which I can assume is XXXX XXXX. Are they in collaboration with the TRUST then to legally foreclose upon the request of the Trust. They are choosing to file papers illegally listing XXXX AND XXXX on papers without Calibers Knowledge. XXXX XXXX has not been abiding by the laws that are suppose to protect me. They filed In XX/XX/XXXX motions to the judge that their filed papers went unopposed by me the defendant and my attorney and both of us never received any documents. That was a lie and they continue to engage in unethical practices as my attorney filed For Bankruptcy in Federal Court in XX/XX/XXXX/ XX/XX/XXXX and while in Federal Court they filed motions in XX/XX/XXXX ,XX/XX/XXXX ; and in XX/XX/XXXX motions while I was still in Federal COURT and have violated federal that should have kept me protected under Federal Law while in Bankruptcy Court.until we withdrew case in XX/XX/XXXX/XX/XX/XXXX. They filed papers in XX/XX/XXXX which I was never informed about according to the county clerks records and was notified in XX/XX/XXXX for NOTICE OF Sale. XXXX XXXX must prove to me and the courts they have any legal right to proceed and if they do they need to go back to when they illegally motioned the court while I was in Federal cCourt snd Caliber needs to confirm any dealing with there Law Firm and tell them to recuse themselves because of their lack of following Federal Law that protected me under a Bankruptcy Law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (PA).
Issue: Confusing or misleading advertising or marketing

Complaint: Paypal keeps on putting holds on my account for no reason. This is ridiculous! They peremently limited me because I spoke my mind and gave feedback!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a XXXX XXXX dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ XXXX ) and XXXX credit card ( $ XXXX ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Closing on a mortgage

Complaint: http : XXXX On top there's a link that mention XXXX being discriminated and where place on high end mortgages because they where XXXX. Feel that I was discriminated because I am XXXX and Wells Fargo took advantage of my background. Need you to check if all documents since we began our mortgage with Wells Fargo were handled correctly.

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 07/25/2015 about Debt collection (I do not know) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted in the past regarding debtfor someone otherthan myself. Allied Interstate was informed that I was notthe owner of the debt nor did I know them but the multiple dailycalls have continued.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX recently added two new collection debts to my report. The service 's in question was service I received on XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX. XXXX XXXX was the billing agency for XXXX XXXX XXXX at that time. I have a Primary ( XXXX ) and a Secondary ( XXXX XXXX ) insurance provider. XXXX XXXX told me that they billed the secondary as the primary and was not paid. They later billed the correct primary on XX/XX/XXXX and was paid but did not bill the secondary again. I spoke with them and they were correcting their billing mistake and would be contacting XXXX to inform them of their mistake and to update the status with the collection agency. XXXX recently (XX/XX/XXXX ) sent me a settlement offer that i ignored and contacted XXXX XXXX for them to handle. I guess this is why they say there are new collection debts.
The following information is provided for you verification process : XXXX XXXX XXXX XXXX Reference # : XXXX Total Balance : {$420.00} New Collections XX/XX/XXXXCreditor : XX/XX/XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXCreditor : XXXX XXXX XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I spoke with a rep ( XXXX ) onXX/XX/XXXX She stated that she would inform their billing department to rework the claim and to bill the secondary provider and that I should check back with them in two weeks, to find out what the status of the claim was.
Your attention to this matter will be greatly appreciated. Please let me know if I can provide you anymore information to assist you with resolving this matter.
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 explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency R.M.S. claims to represent XXXX. I have no record of any previous notification from XXXX that I owe them anything. I contacted XXXX twice and they confirmed they have no record on my account of me owing them anything or of them ever contacting R.M.S. for any collection against 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 non-monetary relief
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On or around the XXXX of XXXX 2016, I received a call from CBE Group about an XXXX XXXX XXXX bill of XXXX. I do not have a bill at XXXX XXXX XXXX for XXXX I am still a client of XXXX XXXX XXXX. I told them that I had not received a letter from them and he stated that they mailed me a bill. I told them I have not received anything from you so please send me verification or a statement, because I do not know who you are. He stated he could not and nothing ever came, but they called XXXX 3 times a day on cell phone and home number. I answered again and asked to see the bill and they told me that they emailed it to me and the email had been opened. I asked for the email address where they sent it and it was not mine, I told them that. They said they could not send out another bill. So I called on XXXX XXXX and asked for their mailing address to send them something certified and they would not give me a fiscal address, the woman stated that they did not have XXXX, only a XXXX XXXX XXXX so I looked it up and they did have a fiscal address. I called again on XXXX XXXX and asked for the account # and the woman was very hesitant she only wanted a payment of XXXX. I sent them a certified letter on XXXX/XXXX/16 and on XXXX/XXXX/16 I received a letter ( attached ) stating that they had sent me a letter over 30 days ago concerning this bill, then I received an alerts on my phone that this was put on my credit reports XXXX. I want this negative account removed from my credit reports. I want this bill validated that I even owe XXXX XXXX XXXX and that they have the right to collect from me. Answers to the information that was sent to them certified and they received on XXXX/XXXX/16. Copy of USPS Tracking information attached and copy of letter that was sent to them, and a copy of the letter that I received from them on the XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Closing/Cancelling account

Complaint: I have a Chase Credit Card that is co-branded with Marriott. I used to pay {$85.00} a year but now my circumstances have changed and I no longer need the credit card but I do n't want to close the account because it will have a negative affect on my credit rating. Chase refuses to off an alternative - either I have to pay {$85.00} extortion or I have to close the account which will have a negative affect on my credit rating and is an unacceptable alternative. This is not fair to the consumer and this issue needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: account is in bk and they reported everything negative on my cbr i have contacted them a few times trying to get this matter taken care of and have dealt with the rude collections folks who still try and collect on this XXXX balance paid off account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Informed Barclays Card that I no longer wanted to pay an annual fee for my Frontier XXXX. They agreed to eliminate the annual fee. They are still charging the fee. Barclay card has been notified several times and still charges.

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 03-01-2016 about Debt collection (I do not know) with Malcolm S. Gerald and Associates, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my home over and over again. They call my employment and not my direct phone number, over and over again and harrass my coworkers with questions but provide no information for them to take a msg. They just called my job three times in five minutes to our customer service XXXX #. They are going to get me fired and it is very embarrassing. They are harrassing, provide no information and ask for personal information i would never disclose by phone and that they should have already if i am the correct debt collector they are looking for. They will not provide me with the bill they claim i owe, nor are they providing the original creditor information etc. I would like them to stop calling me as a whole until they can provide me by phone the information that i will need to pay this bill if i am the correct debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation