milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I originally had XXXX XXXX as my student loan provider, but they were bought out by Navient. I never had issues with XXXX XXXX, but Navient has been one headache after another ... 
Ever since I used my savings account to pay a couple of my loans off, my account has been incredibly inconsistent. Even though I owed less, my monthly payment went up and I was bumped out of my income based repayment plan. I called numerous times to try to fix the situation since I was on automatic debit and I was not informed that my payments went up until they took more out of my account automatically. After speaking with someone, every month the issue was " resolved '', but it was never fixed. Someone finally had told me they would pause my payment for one month so I could get my finances back on track and that the next month my payments would automatically be coming out of my account again. This did n't happen, and I was actually taken OUT of automatic debit, so my interest rates lost the discount. I was so fed up with everything, I just used that motivation to pay the most I could each month to get my loans down. After doing this for about a year, I started realizing that the amount of interest they were taking out of my payments also was n't adding up. For example, I could pay {$200.00} and out of that payment, {$40.00} would go to interest, but if I made another payment 3 days later, they still put a large portion of it to go to interest. About a month ago, I realized that the interest rates they were using on my accounts were also incorrect. My interest rates are fixed, but they were charging me a variable interest rate. After dreading calling them, I finally did, and they had an " investigator '' look into my account. Turns out they " fixed '' my account, but all they did was finagle the numbers to make it look like a fixed amount was coming out of my payment for interest every month, but that was n't the case! I have no access now to the real numbers beforehand, and I still owe the same amount! It is absolutely ridiculous! For some payments when I payed {$20.00} in interest for example, the numbers when they " fixed '' my account make it look like only {$9.00} was taken out of my payment in interest. I just know something is seriously wrong and has been for awhile with my account and it 's very frustrating! The more people I talk to at Navient, the more inconsistent information and answers I get. I just want to feel like I am being treated fairly with my loans and that my hardworking money and my payments are being allocated correctly. I would like to get a copy of my payments before they " fixed '' the interest to compare the numbers from before to the numbers now.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Did not provide validation that is competent evidence bearing my signature. No evidence showing contractual obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: We applied to Refi our current loan with Chase bank. So we can get a better interest rate. They told us we where approved, took our good faith money, and we even got our home appraised. They kept dragging the process on for about two months. I kept calling about every other day trying to find out what was going on. I finally I got a hold our loan officer, and she told us we were denied because my wife switched from XXXX and because she was receiving checks from a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This complaint is being filed against equifax. I have had my identity stolen and an account with XXXX XXXX credit card was established XXXX. I filed a police report and sent it to equifax requesting for the account to be blocked from my file in XXXX. They just disputed the account and did not honor my request to block the fraudulent account even though I sent all the necessary documents to have my request honored. I have spoken to their so called fraud department that is full of incompetent employees whom are all given scripts to read to customers and sound like robots. I submitted another dispute online recently but did not have the option to re upload my police report. I am requesting for this fraudulent account to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I opted to use PayPal 's BillMeLater XXXX XXXX months interest free XXXX to purchase a refrigerator. PayPal subsequently provided a bill showing no payment due. However, on the XXXX bill showing a payment due, they had already rolled the entire XXXX months of interest into the balance due. Immediately upon receipt of the bill showing a payment, I contacted them to clarify that I could pay the balance in full without interest charges. They said I was a few days outside of that window. I asked to speak to a supervisor who told me that he understood my confusion and XXXX. ) asked me to pay the original balance and XXXX. ) asked me to fax a letter requesting the interest charges be removed. I made the payment with him and have faxed the letter XXXX now and although I get an acknowledgment email saying that I should see any adjustment within XXXX days, the interest remains on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I called my Mortgage Company XX/XX/XXXX. I stated that they had increased my monthly payments because of an escrow shortage XX/XX/XXXX, and they had told me at the time that once they made up for the shortage, my payments would return to my previous amount. They had not changed, so I asked them to please investigate and let me know when that would be fixed. I called again in XX/XX/XXXX, because I had not received any communication from then. I was told someone would get back to me. Then, in XX/XX/XXXX I received a letter stating that there was " another shortage '' in my escrow account, and they would be increasing my payments again! Each time this has happened, it has been right after I called to complain about something. The first time, I requested a full disclosure of my escrow account, and the amounts in it. I feel like I am being retaliated against for requesting information that I am legally entitled to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: HSBC IS TOO CHEAP TO SEND ME FREE PAPER CHECKS AND IS TOO CHEAP TO PROVIDE TELEPHONE SERVICE. SERVICE IS THIRD WORLD COUNTRY

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with WELLS FARGO & COMPANY (MN).
Issue: Fraud or scam

Complaint: I attempted to purchase sports tickets through XXXX  on XXXX2018 in the amount of {$110.00} and never received the tickets. I sent the money through XXXX   ( which I thought was backed by Wells Fargo ) and when I contacted the seller by phone it was shut off and I never received the tickets. I immediately contacted Wells Fargo and they stated there was nothing they could do, because they do not own 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 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? Experian responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from EXPERIAN XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.

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 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: items still remain on credit report after being paid and released by state of georgia and XXXX 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 non-monetary relief
Consumer complaint received 09/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (PA).
Issue: Can't stop withdrawals from your bank account

Complaint: I have tried numerous of times to get in touch with this company they leave you on hold for more than XXXX minutes the customer-service is very rude then they say they can not help me. I need to stop XXXX Authorisation with this company. I will pay by money order. The customer service is the worst and i read bad reviews about their customers service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I always check my bank accounts to avoid overdrafts or late fees ; yesterday was the same. Today I received an alert in my phone telling me about an overdraft and at XXXX I covered the amount and a few dollars more. I came home and after lunch I received another notification about another overdraft, I checked the account and Wells Fargo charged me an overdraft fee. I called them and they said the overdraft occurred last night at XXXX and I made my last purchase around XXXX. 
I 'm not agree with this bank behavior and the way they 're looking to charge fees to us, the consumer. I want my money back and make them improve the alert system and the communication with clients and stop this corrupt bank having this abusive practice. 
Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a judgement was placed against me and funds taken from my bank acct. when summoned to court, all funds where returned due to violation of FDCPA. judgement was not released at that time, i filed for revocation of judgement and it was satisfied. collector still reporting to credit bureau i owe twice as much.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Billing disputes

Complaint: Made a purchase on XX/XX/XXXX. Had not received purchased item when the 60 day dispute time ( from time the charge appeared on statement ) came to an end XX/XX/XXXX so I disputed the charge. American Express took the merchant 's word that everything was on track and recharged the purchase. Still had not received the item as of XXXX/XXXX/XXXX so called to dispute again. Received email from merchant on XXXX/XXXX/XXXX stating a credit had been issued. No credit received and American Express still waiting for merchant response ( until XX/XX/XXXX? ). It has been more than 6 months - item not received and can not get XXXX XXXX to issue credit/refund despite time elapsed and documentation from merchant that credit was to be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. ().
Issue: Loan servicing, payments, escrow account

Complaint: Refinance my mortgage paying off the mortgage I had with Suntrust on XXXX XXXX, 2015. They ( Suntrust ) was supposed to send me a cheque with my balance on the escrow they are holding for the amount XXXX. Up to today I have not received the fund. They are claiming that they have send me by check the above amount and I have not received it. Let me point out no letter has been lost and I have even received their latest communication final escrow account disclosure send to me on XXXX XXXX. In their they are claiming that they have refund me. I keep calling them and they keep saying the check was send out few weeks ago. The amount is important and they are withholdin it without any justification. The check lost is an easy way of delaying the reimbursement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/31/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (HI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was recently sold and now the new mortgage company is requiring me to obtain additional homeowner insurance or they would provide it a substantial price. I have had the same insurance coverage since the day I took out me mortgage in 2007. According the my mortgage contract I had to obtain insurance that was approved by my mortgage company. I complied with that obligation. The coverage was approved by my initial mortgage company. My understanding is that if a mortgage is assumed by another company all terms and condition are to be continued with no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX, XXXX. saying they 're collecting a debt for {$160.00} that was acquired by XXXX XXXX XXXX. The letter also mentioned XXXX XXXX as XXXX. I have n't been in XXXX XXXX for more than 15 years but I called and made sure I did n't have any open accounts with them. I also replied to XXXX XXXX XXXX XXXX XXXX that the debt is unfounded and they replied back that the account has been closed. 

Today I received another debt collection letter from Common Wealth Financial Systems saying they 're collecting a debt for {$150.00} that was acquired by XXXX XXXX XXXX. 

It seems that XXXX XXXX XXXX. is selling bad/unfounded debts to debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Credit card () with DISCOVER BANK (WA).
Issue: Payoff process

Complaint: I have been systematically overcharged interest by Discover Card for the past two years and I would like the overcharged amounts refunded. I had a series of 0 % balance transfers that processed last year, and I have been consistently making payments of {$100.00} each month. However my payments, instead of being applied to earlier purchases, were being applied to the later balance transfers, so my purchase balances were n't being reduced even though I was making payments well over the minimum. Then, as each promotional period expired, my monthly payments were suddenly being applied to the later balance transfers ( with unexpired 0 % promotional periods ), rather than the earlier ones, which were now accruing interest. 

It has always been my understanding that with credit cards in general, and under the account I hold with Discover card, payments are to be applied to earlier transactions before later ones, to higher-APR balances before lower ones, and to purchases before balance transfers. According to their own interactive guide on the Cardmember Agreement : " Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. '' Yet it appears that my payments have been consistently applied to 0 % balances instead of higher-rate balances, to later transactions ( with 0 % interest ) rather than earlier ones, and to balance transfers before interest-earning purchase balances. This appears to be contrary to the cardmember agreement, as well as fraudulent or at best dishonest. 

One way that they did this as you can see from the statements is that whenever a promotional period expired, the remaining promotional balance was added to the account as a new transaction, even though it was n't a new transaction. But even apart from that, my payments - which were always over and above the minimum and never late or in default - were consistently and entirely applied towards reducing only 0 % promotional balances, and not to EARLIER purchase transactions, and EARLIER balance transfers ( which were accruing interest. 

I have been charged a total of {$220.00} interest in XX/XX/XXXX and XX/XX/XXXX. I believe most of this was wrongly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (MI).
Issue: Credit decision / Underwriting

Complaint: We have spent 5 months trying to close a 3 % refi with XXXX XXXX and his team at Amerisave Mortgage Corp. We paid for an appraisal, and have provided all the necessary documents on time ... some several times. The team was unable to deliver the mortgage after several promised dates. Our lock on the rate ran out and had to be extended 3 times. After much frustration and consideration we walked away. We have since begun working with XXXX, and after 4 days they are nearly ready to close. We feel we were dragged thru a lot of repeated questioning and harassment. Amerisave continually called our insurance agent and harrassed them. They actually asked the agent to violate her license and change numbers on a document by cutting and taping new numbers over the actual ones on the document. This is totally unacceptable and was very embarrassing to us. This was a complete failure to deliver.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I was sued for a debt owed to XXXX XXXX XXXX XXXX. I went to court and was told to pay what I could afford monthly. I am on XXXX & was sending them $ XXXX/month, which they were deducting from my account each month. They repeatedly called me and left messages, I have XXXX XXXX which is increased with XXXX. On XX/XX/17, Wakefield & Associates levied an account of my sister 's which my name is XXXX also. They took ed every penny and took the account to a XXXX balance. I now have to pay my sister this money back, which I do n't have. My sister has helped me due to our financial situation and put my name on her account so I could borrow when needed and repay as I can. I called Wakefield & Associates and was told, yes, they did receive the $ XXXX/ monthly payments and was applying them to a debt owed to " XXXX XXXX Hospital ". I was not sending the money for this debt, I was sending it for the account I was sued for which is XXXX XXXX XXXX XXXX. They we very uncaring that I do n't know what I am going to do now because I have no money to pay my debts. I do n't think they should have been paying the payments towards a debt that it was not intended. They call me from early morning to night on most days. It 's sad that medical bills that are unavoidable sometimes can ruin a person 's life. Wakefield & Associates are unrelenting and uncompassionate. Thank you, XXXX 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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Experian failed to properly protect consumer information and my personal information was collected by hackers on their systems. I have zero confidence in their ability to investigate and remediate.

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