milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Company has repeatedly mismanaged {$430000.00} of my loans. Multiple IDR recertification requests were mismanaged or not accepted in time. Further with their delays, the forgiveness date is going farther into the future. The loans should be forgiven in  XXXX   XXXX , but because of their errors, the dates are in late  XXXX  and in  XXXX . Recently, I have been calling them to confirm IBR re-certification, but no one has called me back. Supposedly, "  XXXX  '' is going to be the person managing my account but I have not heard from him in over 6 months. I spoke to  XXXX  on  XXXX   XXXX ,  XXXX , ID  XXXX . He said my  IBR  recertification paperwork " should be '' accepted though it is not yet. He is not sure why it is takin g 3+ we ek s. ( Mind y ou, the paperwork is literally  XXXX  sheets of paper! ) He tried to get  XXXX  to talk to me initially, but  XXXX  was away from his desk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2018 about Debt collection (I do not know) with Account Control Technology, Inc. (HI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Numerous phone calls to employment- when call not returned with in five minutes sent over a bartender from restaurant next to employment with questions why a debt collector is calling them to bring messages to my employment.

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 11-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Deposits and withdrawals

Complaint: I am currently using BOA 's merchant services for my online business. They are currently holding an order that is about {$2500.00} because they need to check it for fraud they say & it should only take an additional 24 hours. Well it has been a week and they are still holding the money but they took it out of the customer 's account but not transferring it to me. That makes no sense. So the customer is wanting their item and upset they have been charged for it already but I ca n't ship their product until I get paid. BOA assigned it to a security rep that checks for fraud that is supposedly on vacation because she has n't been to work the entire week. All BOA tells me is that I have to wait. This affects my business and reputation. Im sure BOA would n't do this to a large store. They are taking advantage of a small business and that is not fair.

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 01/29/2016 about Consumer Loan (Installment loan) with First Investors Financial Services Group, Inc. (GA).
Issue: Shopping for a loan or lease

Complaint: Hello, This is my second complaint about this company. my first company ID number XXXX when they replied to my first complaint they simply lied through their teeth this is a sham company, please put a stop to their corruption. in my attachments you will find emails requesting that they do not check my credit. in retaliation the same company checked my credit 3 times they claim that i never contacted them before, which is a complete lie. all i am asking is for them to correct what they did wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX My credit file with XXXX is showing 2 charges with a company by the name of Trident Asset Management, LLC, Checks they are saying was written by me one for {$170.00} account number XXXX on XX/XX/XXXX and one for {$120.00} on XX/XX/XXXX account number XXXX these account does not belong to me I have try 10 times to disputie them and its still coming back its belong to me XXXX and XXXX are not reporting it the phone number for them is XXXX there address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I have been disable since XXXX never have such account so I am asking for your help thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans union had several computer breaches in their systems that violated the rights of their consumers under section XXXX XXXX I have been gravely affected and my score is suffering as a result. the computer glitch that caused all of the inquiries on my credit report to be deleted and my score was increased as a result. The very next week all the inquiries were reinserted to my credit report without prior written notification which is a direct violation of sec XXXX XXXX of the Fair reporting Credit act. I have spoken to several reps of Transunion and they acknowledged that there were several security breaches that happened them in 2016 affecting their systems and credit reports, but they refused to fix thier error regarding my credit report, I am requesting that the reinserted credit inquiries, be permanently removed. I demand the following inquiries to be removed from my credit report immediately. ( 1. ) XXXX savings on XXXX. ( 2. ) XXXX on XXXX. ( 3 ) XXXX on XXXX. ( 4. ) XXXX on XXXX. ( 5 ) XXXX on XXXX. ( 6 ) XXXX on XXXX. XXXX on XXXX. ( 7 ) XXXX XXXX. ( 8 ) XXXX on XXXX XXXX. ( 9 ) XXXX on XXXX. ( 10 ) XXXX XXXX on XXXX. ( 11 ) XXXX on XXXX. ( 12 ) XXXX on XXXX. ( 13 ) XXXX XXXX. ( 14 ) XXXX on XXXX. ( 15 ) XXXX CARD XXXX. ( 16 ) XXXX CARD on XXXX. ( 17 ) XXXX CARD on XXXX. ( 18 ) XXXX CARD on XXXX. ( 19 ) XXXX CARD on XXXX. ( 20 ) XXXX CARD on XXXX. ( 21 ) XXXX CARD on XXXX. ( 22 ) XXXX XXXX on XXXX. ( 23 ) XXXX on XXXX XXXX. ( 24 ) XXXX on XXXX. ( 25 ) XXXX on XXXX. ( 26 ) XXXX on XXXX. ( 27 ) XXXX on XXXX. ( 28 ) XXXX on XXXX. ( 29 ) XXXX on XXXX. ( 30 ) XXXX on XXXX. ( 31 ) XXXX on XXXX. ( 32 ) XXXX on XXXX. ( 33 ) XXXX on XXXX. ( 34 ) XXXX on XXXX. ( 35 ) XXXX on XXXX. ( 36 ) XXXX on XXXX. ( 37 ) XXXX on XXXX. ( 38 XXXX on XXXX. ( 39 ) XXXX on XXXX. ( 40 ) XXXX on XXXX. ( 41 ) XXXX on XXXX. ( 42 ) XXXX on XXXX. ( 43 ) XXXX on XXXX. ( 44 ) XXXX on XXXX. ( 45 ) XXXXXXXXVISA on XXXX. ( XXXX ) XXXX on XXXX. ( 47 ) XXXX on XXXX. ( 48 ) XXXX on XXXX. ( 49 ) XXXX on XXXX. ( 50 ) XXXX on XXXX. ( 51 ) XXXX on XXXX. ( 52 ) XXXX on XXXX. ( 53 ) XXXX on XXXX. ( 54 ) XXXX on XXXX. ( 55 ) XXXX on XXXX. ( XXXX ) XXXX on XXXX. ( 57 ) XXXX on XXXX. ( 58 ) XXXX on XXXX. ( 59 ) XXXX on XXXX. ( 60 ) XXXX on XXXX. ( 61 ) XXXX on XXXX. ( 62 ) XXXX on XXXX. ( 63 ) XXXX on XXXX. ( 64 ) XXXX on XXXX. ( 65 ) XXXX on XXXX. ( 66 ) XXXX on XXXX. ( 67 ) XXXX on XXXX. ( 68 ) XXXX CARD XXXX on XXXX. ( 69 ) XXXX BANK on XXXX. ( 70 ) XXXX BANK on XXXX. ( 71 ) XXXX XXXX on XXXX. ( 72 ) XXXX BANK on XXXX thank you.

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 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Had 2 accounts with US Bank. Both earned XXXX rewards. Prior to closing 1 account, checked rewards balance. The XXXX rewards were shared between both accounts. Both accounts showed the exact same amount - XXXX. So that all rewards would be intact if closed 1 account.
XX/XX/XXXX Closed 1 account. No mention was made about existing rewards becoming null and void.
XX/XX/XXXX - tried to redeem rewards in XXXX  account. Now rewards are split between closed account and open account. Closed XXXX Gold account shows balance of XXXX points. Not able to redeem or transfer.
They separated out rewards earned from closed card instead of leaving them in a combined account. Called US Bank to ask if these points could be transferred to my existing - still open account. Was told no and that I was advised they would be XXXX out on closing card.
Had conversation on closing card ( XX/XX/XXXX ) on speaker phone with wife listening in. No mention was made of the XXXX points being nulled. I certainly would have transferred them or redeemed them first. As this is worth {$320.00}.

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 09-10-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: Dear CFPB, my home that was taken from in XX/XX/XXXX and i was told by bank of america that the it was conveyed back to XXXX XXXX and there is still no one occupy the property, at this moment i am pleading with CFPB to allow me to pick up from where i fell off and lower my monthly mortgage payment and allow me to return to my home, i choose this property in XX/XX/XXXX left my footprint in the dirt then watch my home { The XXXX Model } built and then in XX/XX/XXXX i move in, I was so exited, as a single parent raising XXXX children and wanted the best for them i choose a neighborhood i wanted them to be safe so i knew then i had to work hard to keep up with my mortgage and that exactly what i did, i even open my own business and then the recession hit i fell back on my mortgage payment i spent XXXX of dollar to Lawyers and Agencies to help me save my home but unfortunately because the lack of my knowledge my home that i built and lived for fifteen years was conveyed back to the investor XXXX  XXXX, and right now i am pleading with XXXX XXXX please to have some mercy and allowed me to go back home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My late mother and I are Borrowers on a XXXX XXXX XXXX home mortgage loan. We signed loan adjustment agreement documents to modify my loan agreement with Bayview Loan Servicing , LLC, in XX/XX/XXXX. My mother passed away suddenly in XX/XX/XXXX In, XX/XX/XXXX I signed loan adjustment documents and forwarded all of the requested information and my mothers death certificate, via mail and facsimile ; still, as of today, the loan has not been converted to the new loan terms. I have been attempting to work with Bayview Loan Servicing , LLC to modify the loan terms, with XXXX XXXX XXXX Bank due to my mothers untimely passing and changes in my finances and my ability to continue to make the loan payments under the original loan. On XX/XX/XXXX, Bayview Loan Servicing , LLC, sent me another permanent loan modification agreement that would take effect upon completion of the Stipulation Agreement. I signed and sent that agreement back to Bayview Loan Servicing , LLC, on XX/XX/XXXX, I made timely loan payments under that agreement, but Bayview did not change the loan terms. Bayview still has the original loan terms XXXX payment, rate, etc. ) in its system. I received notices from Bayview Loan Servicing , LLC that my loan is delinquent and they have threatened that if I do not bring the loan current, it would start foreclosure proceedings. I contacted Bayview Customer Service and the asset manager assigned to my loan explaining that my loan was modified. They agreed that the loan was in a modification and that I was to ignore the pre-foreclosure notices and continue to make payments under the modification agreement. I have been sending in mortgage payments since XX/XX/XXXX, I was told by the asset manager that they were in the process of converting the loan terms. While this is all going on, Bayview was reporting to the XXXX major credit reporting agencies that I was delinquent on the loan. I am now leaving in fear that Bayview Loan Servicing , LLC, is going to foreclose on my home. I have been making timely payments to prevent foreclosure proceedings and I have complied with all the loan terms I have agreed to. Still, they want to take my home and I am not sure how to XXXX this But, I do know that i should not have to leave in fear of being homeless, when I have done everything I was asked to do XXXX times now over the course of a year.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I became  XXXX   XXXX  in  2010 a nd went through the paperwork to get loan forgiveness. The company kept saying that this paper or that paper was n't right. I kept getting the run around. I am still  XXXX   XXXX  and on a fixed income with  XXXX  children.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Payday loan debt) with Tesani Management Inc (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Lift Credit filed a garnishment with my employer with no prior notice or legal documents given to me. When I contacted Lift Credit they told me that is was in regards to a loan given almost 3 years prior. I advised them that I had no knowledge of the loan and I needed proof of debit and the agent refused to send that to me and said that she would have to talk to her manager. I tried calling back the company the next day for the info, and they advised me that the agent I needed to talk to was n't there and that they would have them call me back and I never heard from them again. <P/>- They have refused to provide me proof of debit - They have never emailed me or mailed me any details - The information on the loan that they were willing to share with me was out of date and invalid. Over 10 years out of date! - No legal notice was provided to me that they were planning on taking me to court so I could represent or protect myself. - They company on the phone has refused to provide me any assistance. They told me the only way they would help me is if I take legal action back against them. - The were very unfair not giving me a chance to get this corrected or reviewed. - They were very deceptive on what info that would provide and what things they considered valid reasons for taking action against me. They would present things one way and then do another. - Not to mention, I do n't know how it is legal for any company to charge 300 % APR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Incorrect/missing disclosures or info

Complaint: i have used and app called Venmo for multiple transactions. Tuesday XXXX i sent my friend XXXX XXXX dollars. in my history ive sent her money before. I get a pop up message that my transaction is in review. 2 days later i get and email that the transaction will not be processed to XXXX but the XXXX dollars was taken out of my account. I received an email from venmo stating that i was not getting a refund, etc etc etc. I reviewed the terms of agreement on the website and it states sections F '' f. Payment Investigation Payment investigation is a process by which Company reviews certain potentially high-risk transactions. If a payment is subject to payment investigation, Company will place a hold on the payment and may provide notice to the recipient. Company will conduct a review and either clear or cancel the payment. If the payment is cleared, Company will provide notice to the recipient. Otherwise, Company will cancel the payment and the funds will be returned. Company will provide notice to you by email and/or in the account history tab of your Venmo account if the payment is canceled ' ... ... it was n't cancelled it was withdrawn!!!! Not returned and how is sending XXXX bucks to a recipient XXXX miles from my home that i have sent money to before flagged for high risk. 
2 ) Desired resolution. Transparent terms and agreement terms with high risk inclusion criteria. just decline the transaction. reverse my money x 2 and remove all my personal banking account information from the app.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: CAPITALONE CANCELLED CAPITAL ONE DEBT PROTECTION PROGRAMS WITHOUT PERMISSION AND NOW MUST FORCE ARBITRATION ON SAID ACCOUNT. 

FILE A CLIAM THAT WOULD PAY OFF BALANCE OR CANCELL DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Keep getting disconnected from  Navient whenever I call to apply for inco.e driven repayment but then will be bombarded with calls saying my student forgiveness is ready or forbearance has been ok 'd and I never ok 'd anything ever. This has happened for 3 years now

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: I have a checking account with Santander Bank, and I received a text message on XX/XX/XXXX alerting me to possible unauthorized transactions on my debit card. I was n't sure if the text was legitimate, but I immediately checked my account and there were XXXX unauthorized transactions. I then called the customer service number in the text message and was connected to the Santander fraud department, who immediately declined XXXX of the XXXX unauthorized transactions. They let me know that the fourth transaction, in the amount of {$50.00}, was already processing and would post to my account on XX/XX/XXXX. Their instructions were to call regular customer service on XX/XX/XXXX when the transaction posted. They also told me on the phone that the security breach affecting my card had happened XXXX days earlier and they were already in the process of issuing a new card, although they had not notified me of this and had left the old card open in the meantime. 

The XXXX unauthorized transaction of {$50.00} did post to my account on XX/XX/XXXX, and I immediately called customer service. They told me they would open an investigation, which would include sending me an affidavit in the mail, and after that it would take a minimum of XXXX business days until they could restore the {$50.00} to my account. I find it extremely disappointing that the bank will not credit back the money when it was the bank themselves who notified me of the unauthorized transaction. 

I asked for the money to be credited back immediately and was denied. I also asked what the bank is doing to protect me from fraud, and what benefit there is to me being a customer with their bank, and was given no good answer. I am filing this complaint because I am still without the {$50.00} in my account, and because I want to warn other consumers about how frustrating it is to do business with Santander Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Payday loan) with Kirkland Asset Management LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent debt validation letters and never received validation of 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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are consolidated with Navient. I was on an income-based repayment plan and was given paperwork that informed me if I did not annually sign up by competing the paperwork for the income based plan, that I would be automatically switched to a standard 10 year repayment plan. After a year, I contacted Navient and was told I was still on the income based plan even though I had not completed the paperwork in almost 2 years. I asked to switch to the standard repayment plan and was asked " well how much do you want to pay? '' and I had to then calculate how much I 'd like to pay monthly in order to pay my loans off in 10 years. In the last year alone, I 've put almost XXXX in to my loans in order to get out from under the crushing debt and 6.375 % interest rate. I could basically own a second home with how much I pay for getting a XXXX XXXX XXXX in order to XXXX ( where a XXXX XXXX XXXX is the bare minimum to be able to obtain a XXXX ). This company does not care about student well-being or even doing their job to assist us. They prey on young people with a poor understanding of their loan practices and then exploit them as much as possible. My story is just one, but I hear from friends all the time of similar situations where they were uninformed or taken advantage of by organizations that claim to help us manage the insane debt issued easily to us by the government. I will be following the Navient lawsuit and hope to see some compensation for myself, a hard-working XXXX year old with my XXXX child on the way who completed her XXXX and XXXX education as quickly as possible and found a job immediately after XXXX, and who has put her life on hold for 5 years while most of her income is given to companies who take home enourmous yearly salaries.

Company response to consumer: Closed with explanation