milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I called Wells Fargo Mortgage back on XXXX of 2015 to ask for a payment plan because I was two months behind, I wanted to make two payments for the following two months, but the customer service representative advised me that they have a modification plan that I can qualify for which is meant to help in this kind of situation and mean while I ca n't make payments until I am approved. I have been in and out of XXXX modifications in the past 11 months. And the payment due kept increasing and growing to now XXXX. I feel I have been cheated and mislead to lose my home intentionally. Every time I try to complain they state that the person handling my account left the company and assigned his work load to another. I intend to keep my home and I want to take my case to court have this investigated. I was able and willing to make the payments before they grow so high and they intentionally waited until it was beyond my means to pay to take my home from me. I have been paying this home for the past 17 years with no problems. Until now. I intend to seek legal help and to contact the local bank and mortgage regulatory entity in my state and file a formal complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit card protection / Debt protection

Complaint: I have a Best Buy Credit Card. I use the paperless option and so receive monthly notice that a payment is due and the balance is given. I generally go into a Best Buy to pay the bill. ok. I purchased an XXXX computer product for my girlfriend at XXXX ( XXXX ) XXXX on occasion I purchased a few items on the credit card. Along the way I forgot that the 2014 purchase was a 'promotional ' which deferred the interest rate. I have never seen anywhere what the standard interest rate is. After much yelling I found it is 28 %! wow. 
So, the problem now is that they added the accumulated interest on the account and my balance now is the same as it was in 2014 - - I am not even sure if any money that I 've paid for the past year and a half have gone toward anything! I will not go back and tally up what I 've paid and the customer service supervisor ( XXXX in Idaho ) allowed me a few weeks to take care of the remaining balance. My main problem with all this is - - it is a predatory lending practice - - the statement does not show what is promotional or regular and I was not aware ( been very busy this past year ) that the promo was ending. Nothing on the statement alerts or lets me know. That is wrong. Even the new concept of showing the customer the effects of only paying the minimum balance vs. more each month is not illustrated on the ( online ) statement. He said if I were to download and then print the monthly statement it would say all that. I say that all pertinent info should be shown on all statements - online or downloaded or in the mail. The bank that Best Buy uses is Citibank. I really appreciate this form and thank you for listening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with Innovis (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that INNOVIS DATA SOLUTIONS has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND INNOVIS DATA SOLUTIONS SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Loan company deferred my payments till 6 months after I graduated. Then lost my loan, I never got a bill. They used a wrong social security number. Then they came after me 20 yrs later for the full balance plus interest and penalties. and have been taking my income tax returns. My loan was only for about XXXX dollars. However they have taken over XXXX now. I need help to make them stop! theyve got there money back. I would like my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MD).
Issue: Account opening, closing, or management

Complaint: I 'm selling products on Ebay for a few months and everything was fine until I tried to upgrade PayPal account to business account with a debit card. PayPal required that the account owner has a valid SSN, address, ID, etc. So I added my husband 's information as the main account holder since he has everything they need and we have been using his bank and address since the account was opened. Less than 24 hours after I added his name, PayPal sent me an email with Case ID # XXXX telling me that my account is now permanently limited and would n't be able to do anything for 180 days to make sure I have enough money to cover any payment reversals. 
I have n't done anything wrong or break any agreement with PayPal or Ebay. There wo n't be any payment reversal from Ebay as well because I never enabled the return option for customer and I got 100 % positive feedback on Ebay. I do not want to wait 180 days to get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2018 about Checking or savings account (Checking account) with ARVEST BANK GROUP, INC. (OK).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Saturday XX/XX/XXXX, our ATM information was used illegally at an ATM for {$500.00} plus ATM fees. The card was and is in our possession and I am the only card holder or account user. 
My card was skimmed by thieves at an Arvest location as its the only place I use my pin. 
Arvest called me Saturday to report the crime right after it happened. They notified me it was fraud. They knew it was fraud. However, they didnt cancel the transaction, give temporary funds, or fix the issues after 10 business days or 14 actual days. Still no funds, temporary credit, or a statement why they are keeping our money. The terms state after 10 days they can only keep {$50.00} and must credit us for the rest of the amount. 
Even though Arvest informed us it was fraud the second after it happened we had to file a dispute on the first business day Arvest was open. We did. We requested temporary credit. They refused  and told us to get in line. 
Now 10 business days have passed and they refuse to return our money. Our mortgage payment was due with Arvest on XX/XX/XXXX and we can not pay until they return our money. Weve called 4 times to resolve this but they only care about their customers. 
In addition ATM usage fees were charged by Arvest to us for a thief using a non Arvest ATM. They still refuse to refund those as well even though that is 100 % under their control

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On or about XX/XX/2018 I reported a error to Transunion. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called XXXX and had a letter in my hand within a week.

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 03/16/2018 about Debt collection (Other debt) with The CMI Group, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I opened my XXXX XXXX account to see a closed collections account. The company, " CREDIT MANAGEMENT LP '' was reporting that I had an account with them related to XXXX beginning on XX/XX/XXXX. I never received any notice of this debt. I never paid this debt. This debt was never verified. I also had changed addresses during this time period, and kept an open account with XXXX the entire time. I have tried to dispute this account via other means without success.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number calls at least ten times a day and when I answer the phone I get immediately hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To whom it may concern, Good morning. For the 3rd time now, I am writing in regards to a collections account on my XXXX and XXXX  credit reports from 'Hunter Warfield ' whom I 'm assuming represents 'XXXX XXXX XXXX '.
I never received any documentation on what they are seeking money for but I do know that they have withdrawn their claim multipleb times and it has vanished from my reports.
If it is in regards to a rental agreement, I provided XXXX XXXX with proof of me not getting paid from the veterans affairs and agreed to vacate their premises, WHICH I DID! I also had military and orders that sent me to Iraq. These people call me from time to time and due to our agreement and my military obligations, I could no longer live there. It been nearly 7 years and I 'm despedesperately trying to carry on with my life.
Best Regards XXXX XXXXs

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: On XX/XX/XXXX with out my permission Pressler & Pressler Did a inquiry on my Credit Report which i have NEVER given Lawyer : XXXX XXXX XXXX permission to do and above all thing subpoena me to court now USING ( XXXX XXXX AKA XXXX XXXX ) Directly from my credit report.. my maiden name ( XXXX ) was NOT used in any Documents @ XXXX XXXX XXXX Never have been been asked NEVER!! Beings that that was taken from my credit report and used by Pressler & Pressler Attorney XXXX with a court notice to appear on XX/XX/XXXX @ XXXX XXXX.. I 've heard it said that it 's illegal to obtain credit report and use against a person and with out consent as well!! WOW SERIOUSLY!! that i have put this in writing NO ONE HAS NOTHING TO SAY .... to whom and why was my credit report used against me in this court documents filed by this attorney and who gave them permission to pull my credit report to begin with cause i sure did NOT and above all to use it against me in the court of law .. It 's humiliating and very bothering to me on how they treat me and i very POOR, XXXX and trying to do as best as i can.. On XX/XX/XXXX After 8 calls from Pressler & Pressler .. I even gave them {$200.00} off my Pre-Paid Card i had to buy my food for the month so all the calls can STOP!!!
I REALLY WANT PRESSLER & PRESSELER TO KNOW THEY CANT JUST RUN MY CREDIT REPORT WITH OUT MY PERMISSION THAT IS NOT RIGHT AT ALL!! i am willing to work with this collection company to work off the outstanding bill owned to XXXX XXXX XXXX but lord do n't make me starve and take over my credit report without my permission please STOP THIS MESS PLEASE and all that was all unnecessary stuff that is not caused for .. I 'm only human!!! After me talking to the Rep now come to find out cause i made the {$200.00} payment over the phone NO ONE FROM PRESSLER & PRESSLER will be coming to court on XX/XX/XXXX @ XXXX BUT i still need to be there cause i sign a notice @ my door when i was served @ HOME with notice to appear.. The Courts via certified mail .. THIS IS ALL UNFAIR REALLY UNFAIR 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 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: IC System has refused to acknowledge my debt validation letter. I mailed it certified on XXXX/XXXX/16. I do not owe this purported debt. I am attaching a debt validation letter and proof that I do not owe this debt. By law they are required to respond to my validation letter. Once they go through the validation processs, they will see that I do not owe this debt.

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 07-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: They capitalized interest 7 times betwe en  XX/XX/XXXX  and  XX/XX/XXXX  which resulted in an additional {$4000.00} plus being owed on my private loan. I  have qualified for a rate reduction several times since then. When out of the reduced rate program they have increased the interest rate enough to cover the reduced rate plus. My previous rate was 1 %. My current interest rate in 11.75 %. Prior to this my interest rate was 10.75 %. So its not really reduced if they are recouping it after. I initially borrowed {$6000.00}. I owe now  XXXX . They are making 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Bank Servicer - Investor XXXX XXXXMy state is listed as the hardest Hit States and was specially designated a fund since we had the highest foreclosure rate in the country. Orginally contacted HOPE NOW and was told they could not help me. Was denied XXXX times by Chase for a modification due " the investor '' does not participate. All along, I have basically had to " steal from XXXX to Pay XXXX '' and have credit cards and owe debts to family members that I know now I will never be able to pay back just to stay current and was told by Chase that I had to be late to qualify for any home retention options which would distroy my credit. I cant afford higher interest rates on credit cards, auto insurance, and many other items that will require deposits if I have to move. XXXX will eventually cause me to lose my home and have to file for Bankruptcy. I am already on food stamps. My hardship began in XXXX 2013 when my husband passed. He was the major wage earner of the home. I begged my family to move in with me to help me with expenses and help me with the grief of losing my husband. There was no will or probate. I lost 85 % of the household income. ARM loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Payday loan debt) with Coastal Financial Solutions, LLC (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Received a call from XXXX. XXXX XXXX claimed he was coastal financial legal department. Stated he had me on camera in a store and that charges are being brought against me for defrauding said company. He 's called me, my mom, dad, grandma, brother, sister in law and cousins. Seriously?!?! Is this legal??

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to PennyMac by Company XXXX on XXXX XXXX, XXXX. I received two XXXX forms from both companies in XXXX XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XXXX. 

So I reached out to Company XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. 

Then I contacted PennyMac on XXXX XXXX. XXXX on the customer hotline ( XXXX ) did not listen, instead she gave me an ATTITUDE that " She knows her business, but I do n't know what I am talking about. PennyMac 's XXXX is correct! '' I requested her transfer me to another customer representative. This time, a lady called XXXX XXXX ( the spelling of her first name might be wrong, but it sounded like XXXX ) claimed that she is the supervisor. After I explained my case, she gave me the same ATTITUDE. She was firm that PennyMac 's XXXX is correct and PennyMac did not receive any additional money from Company XXXX on my behalf. Eventually we had a 3-party call with the mortgage staff from Company XXXX. Finally XXXX acknowledged that the mistake was on PennyMac 's side and promised me that I will receive an updated XXXX in 3-5 business days. 

I waited till XXXX XXXX, but received no XXXX at all. So I contacted PennyMac again. This time, the customer representative, XXXX told me that ( 1 ) XXXX is NOT a supervisor ; ( 2 ) XXXX did not properly documented the case and their year-end team could not investigated into my case at all. So XXXX started over and we had another 3-party call with Company XXXX. Now I am waiting to hear back from their processing again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (I do not know) with The CMI Group, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Receiving alerts, messages and phone calls about a debt that is not mine. I do not have and have never had services that I am being contacted about. I have never lived or visited the location of these debts. It is impacting my credit and my life. I can not provide dates or amounts because they are not my debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Problems caused by my funds being low

Complaint: TD Bank Routing # XXXX Acct # XXXX On XXXX/XXXX/2015, I withdrew XXXX debit tranactions through my above mention checking account. 
I first with drew {$5.00}, and then {$20.00} and remained with a postive balance. After the XXXX prior withdrawals I withdrew {$120.00} putting the account in overdraft for about {$88.00}. If TD bank did correct accounting my balance would have been - {$88.00} plus - {$35.00} according to the time stamp of the XXXX XXXX tranactions. Speaking to the customer service manager who refused to give her fullo name Employee # XXXX informed me that when balancing they go by the largest amount first and thats why I was charged withb overdraft XXXX times. I informed XXXX that this is illegal and charging thousands of customers everyday that XXXX bank is being " UNJUSTLY ENRICHED and this is ENCHEATMENT ''. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX ( h ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Hello, I have been inexplicably been locked out of my XXXX account ( Coinbase.com ), as of XXXX XXXX 2017. 

When I try to log in, it says " Sorry, account temporarily disabled. Please contact support ''. 

I have around XXXX GBP stored in the service across two " cryptocurrencies '', but also in hard cash ( GBP ). I need access to these funds urgently. 

I have not been using my account fraudulently or in anyway that contradicts their 'Ts & Cs ', I am a XXXX resident [ XXXX citizen ], whilst they are a US company so I  have been advised to contact you. 

I have been unable to get hold of their customer services team and it has been 48 hours, I am currently travelling ( in XXXX ) and need access to my funds. 

My customer service 'Case ' ticket number is # XXXX Please advise, Thank you and kind regards,

Company response to consumer: Closed with explanation