milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: These private loans with Navient were issued under duress. They involve predatory practices and take advantage of unsuspecting new college students. Navient ( formerly XXXX XXXX ) should not be allowed to pursue collection on these accounts. I believe these loans violate lending laws, FCRA laws and debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Filing & Reporting, Inc. (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: GLC financial stated that I took a cash advance from XXXX XXXX XXXX and did not pay. I went to XXXX months ago and they have no record of me doing a cash advance and they stated that there system has been hacked. GLC stated that they are sending me to the district attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX we applied for and received a governmentmodification through our mortgage company XXXX. 
In XXXX of XXXX our mortgage transferred to NationstarMortgage. During this time we paid our mortgage ontime each month for the amount listed on our statement. 
In XXXX of XXXX I was informed by Nationstar that ourmortgage would be going up very significantly becauseour previous mortgage company XXXX had been lettingour escrow account go into a negative state of over XXXX said we would need to repay all the money and wantedus to repay in a short period of time with extremely largepayments. I told them I could not pay that amount andwould end up losing my house. After several phone callsand begging they agreed to let us stretch out the repayment. 
Our mortgage is now over {$600.00} more per month. 
I asked for an explanation on how something like this couldhappen and asked several times to speak to a supervisorand was never able to. I even sent a certified letter toNationstar and never received an answer. I asked for ourPMI to be removed to help lower our payment but becauseof the negative escrow amount they said they consider ourloan to be delinquent and until it is all paid back we will notbe able to get rid of our PMI. I said to them our paymenthistory should be considered and that it was n't my fault thatthe previous mortgage company let this happened. I askedwhy it took so long for them to figure it out as I had made 9months of payments to them at the lower amount. They saidthey had done an escrow review and discovered the issue. 
I learned of the increase by calling to pay my mortgage theynever even sent me a letter to explain or show whathappened.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been dealing with Navient, formally XXXX XXXX, about an issue of miscommunication which landed my student loans in default. I have been repaying them while on a payment agreement but they have been and are still reporting my accounts as past due for obsurd amounts of money. When I call them I am placed on hold for an hour at a time and I never get the help I am asking for. I keep getting passed off to different people who ca n't help me at all. After a couple years of fighting with them about this and getting nowhere, even when I hired an attorney to try to have them remove the false reporting from my credit history, I am reaching out to consumer finance. Since I have been on the payment plan for a few years now I am asking to have someone help me get Navient to reverse the false reporting of past due payments since I am making payments on the all of the loans monthly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MD).
Issue: Fraud or scam

Complaint: RushCard had notify all customers that it will be an update on the system XX/XX/2015 from XXXX XXXX that it will be no use of your RushCard prepaid card. On Monday XX/XX/XXXX they sent another email stating that the process will be taking longer. Monday I was suppose to receive my employer direct deposit as of today XX/XX/2015 I still have no use of my card I have been calling every XXXX number that they have on filed I can not get through to any customer service representatives at all. I have bills to pay and this is my money that I worked hard for. I am a USA citizen that basically live paycheck to paycheck a household to feed. It has been brought to my attention that the RushCard owner has no worries of making his customers happy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Experian is reporting inaccurate information and I want them to removed immediately

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Two weeks ago I tried to buy a car and was denied. Upon looking at my credit report and trying to determine why since I am never late on my bills I discovered what the problem was. Back in XXXX I filed for bankruptcy after my separation/divorce but I reaffirmed with my car loan account and my mortgage through Wells Fargo. However Wells Fargo did not report this to the credit agencies so it appears I have not made a pmynt on my house in 2 years and in turn has ruined my XXXX XXXX. So now my situation is this, I am a XXXX XXXX, my car is broke down and I can not purchase another one because of my XXXX XXXX despite the fact that I have documentation/proof that I did in fact reaffirm in XXXX of XXXX and have never been late on my house pymnt! I contacted Wells Fargo they admitted the fault was on their end and would correct it, I was instructed to call back in 7 days when I did I was told nothing had been done yet, so I went to them in person that time I was told it could take 60 days. I asked about borrowing money using my home equity to purchase a car since I have a substantial amount of equity in my home vs what I owe. I was told not until my XXXX XXXX is higher which is complete irony because my score is such because of them! Strangely enough I rcvd a letter in the mail in the mean time stating my mortgage will now be reporting to the credit agencies as of XXXX XXXX which is a complete lie since I was denied for the auto loan and that is not what my credit report is reflecting. I have been getting the complete run around with Wells Fargo and to not know what else to do or where to turn.

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 08/19/2016 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (CA).
Issue: Managing the loan or lease

Complaint: In or around XXXX XXXX I was laid off and soon thereafter began having financial hardship. I explained this situation to Car Finance ( the agency collecting the auto loan ) of such hardship. Towards the end of XXXX XXXX my income was drastically decreased but I kept my best to make payments and ask that they stop calling my cell phone so often as I was well aware of the times my payments were late but I was still making them. In XXXX XXXX they kept calling on a regular basis even though I explained I was trying to borrow funds and would make sure my payments were n't more than 30 days past due. My requests continued to fall on deaf ears and the calls had gotten to the point I begged to stop and borrowed money from my roommate on credit to pay my bill, because they would n't let me off the phone. I have spoken to people in the legal field because of the harassment and I was advised once I asked them to stop calling my cell phone they would be in violation of the Telephone Collection Practices Act and considering they had called at times prior to XXXX and after XXXX PST they were violating Federal Collection Practices Act. I called them and told them about these violations and I NEEDED them to stop ; i was told ( no less than two separate occasions ) they could n't until my bill was up to date. -- I have made several complaints to them, I 'll need to get their call logs because their number changes and I only have two or three numbers they used to call me on my cell phone call logs. I understand that an attorney may assist in getting direct funds for each violation. My goal is not to have an attorney take a lot of money and I still owe them. My goal is to have them work with me, remove all of the fees ( which is the majority of the amount owed ) and a decent payment plan only on the remaining principal amount. That seems fair, I do n't want a long drawn out legal issue and them to threaten to repossess my vehicle while ruining my credit report. My credit report should n't have any delinquencies regarding this debt because I have made sure payments were not over thirty days.

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 02-09-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Taking out the loan or lease

Complaint: I had purchased a car from XXXX XXXX ( XXXX, OH ) in late XXXX and was provided a loan with Santander Consumer XXXX. The salesman 's name is XXXX XXXX. The car blew its engine 45 days later and XXXX XXXX refused to pay for the repair. It cost me {$2500.00} to repair the engine. 

I continued with the loan and had to defer the loan for 2-3 months due to job loss / unemployment. From this point, as I tried catch up on my loan, Santander counted the payments towards the interest accrued and did not reduce the principal. this persisted for a few months and I eventually told them to pick up the car and I am unable to make the payments. They sold the car, unknown price to me and have me owing $ XXXX remaining balance. All in all, the XXXX - 4 Yrs. of payments never reduced my principal. They do n't provide any documentation and had accelerated harassing calls. 

This company does unethical business and offers predatory loans where the principal is never reduced, initiate collections / repossession efforts and stiff the customer with unknown amounts of money and do n't provide the reasoning on how they arrived at the loan. 

In the end, I am stuck with a XXXX XXXX responsible for the Income to be filed in XXXX with the XXXX. I do n't think this is very fair and Santander should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (PA).
Issue: Money was not available when promised

Complaint: For more than 200 years, Chase has been one of the worlds leading financial institutionsits reputation beyond stellar ; its customer service unparalleled. Thats why I chose Chase to handle my mortgage. Thats why I am appalled about my latest encounter with Chase. And thats why I am reaching out to you.
Recently, I mailed Chase three mon  ey orderstwo in the amount of {$500.00} and one for $  XXXX  satisfy my account before  XXXX   XXXX ,   XXXX  . Chase stamped the money orders several times before realizing that the total would not bring my account up to date and returning the money orders to me.     In the meantime, my mortgage had been sold to  XXXX   XXXX   XXXX , where I sent the stamped money orders to satisfy my current mortgage obligation.  XXXX , however, will not accept the money orders because they were written out to and had been stamped by   Chase.
In an effort to rectify this situation, I spoke to three Chase mortgage banking specialists   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  of whom told me that because of this error  three separate checks would be mailed to me within five business days. ( Each conversation was recorded by Chase. ) After more than a month, I have not received the checks as promised, nor have I heard from Chase regard ing the status of the checks.     I tried to return the stamped money orders to the store where I purchased them, but they will not accept them. I also called the money order provider,  XXXX   XXXX , which informed me that I would have to pay {$50.00} for each money order and that I would need a copy of each money order as well as the stubs, which I do not have, before a refund can be processed on my behalf.     As it stands now, I have lost {$1100.00} due to Chases mishandling of my money orders and misinformation over the phone.     I do not know what else to do. I am on  XXXX  due to major health issues, so my funds are limitedand this situation is causing me even more distress. All I want is for Chase to send me the money I am owed, the money they promised.     Now as of today,  XXXX / XXXX /  XXXX  , I spoke to a  XXXX   XXXX   XXXX  at  XXXX  Mortgage Banking  Executive Office . She suggested that I return the money orders back to the store where they were purchase. I reminded her, that the store does not do returns on stamped, written and dated money orders. She than suggested that I call  XXXX   XXXX . I reiterated that I will be charged {$50.00} for each money order. That is {$150.00} that I do not have.       Please help me rectify this issue with Chase before my home goes into foreclosure.
  My reference number -  XXXX  Thank You so much in advance!    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (DC).
Issue: Taking out the loan or lease

Complaint: I applied online for a Home Depot Home Improvement Project Loan in the amount of {$20000.00} on XX/XX/XXXX which was approved for {$10000.00}. At that time I accepted the loan and electronically acknowledged the loan approval and was provided a loan number with my loan approval amount. The system notification also stated that I could request an increase through the company 's XXXX number. On XX/XX/XXXX when I received my kitchen project final quote from Home Depot, I attempted to increase my loan to {$20000.00} but was told by the rep that an increase could not be approved but that the original approved amount of {$10000.00} would be available. On XX/XX/XXXX I presented the loan document and a cashier check for the project difference to the store and the loan was blocked. I spent over 90 minutes in the store at the register talking to the loan customer service department Account Supervisor who stated that the previously approved loan was loan was blocked for " income verification '' and that I would have to provide proof of income. The options offered were check stubs for the last thirty days and income statements. I am self employed and happened to have with me copies of XXXX checks paid to me by the consulting company that I work. I was told that those checks were unacceptable because they could not see any taxes being withheld from the payments, and that if I was self employed I would need to provide my XXXX or tax returns for XX/XX/XXXX. I asked the loan customer service rep repeatedly ( more than three times ) why I was approved for the loan but never informed that it was contingent upon " income verification '' until I came to the store to make a purchase, only to be denied credit at the time ( 5 days later ) of my purchase. I received no phone call, email or regular mail to notify me of this situation. Ironically, when I returned home from the store the home improvement project loan card had arrived via fedex to my home. The following day I had to provide copies of my tax returns to the loan customer service department, and only then was I granted access to the credit for which I was originally approved on XX/XX/XXXX. I still was not given a reason for the block on the original approval. I am deeply concern that there was no notification policy or real approval process for actually obtaining credit offered.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ATG Credit, LLC (IL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I worked for this company for 3 months and witnessed many infractions of the FDCPA. Two of the most common : - Debtors are supposed to be notified in writing of the debt being collected on. The owner of ATG Credit decided this was too expensive, so only sent letters on certain dollar value accounts, or to clients we were able to speak to verbally. However, the debtors who were not sent letters were still pursued via skip trace and countless calls. 

- Questionable debt. There were a couple of clients we were forced to collect " debt '' on, who did not seem to be able to prove the debts were owed. These debts counted in the 1000s, contained low balances and were very old. No written letters were sent to debtors for these clients unless verbal communication was made first, and we were not allowed to open disputes on the debts for anyone who asked that be done. Instead, we were forced to close the case ( upon threat of write ups ), meaning this debt could still be collected on and resold, without the dispute ever being researched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: we lost our home due to the countrywide scandal.we could not/were not allowed to refinance our home loan due to a XXXX on our house held by a third party. for over XXXX years bank of america was completely resistive to helping and ulimately we lost % XXXX in our equity and our home.we have tried many times to get help through the white house with no results.we appreciate anything you can due. thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Other service problem

Complaint: On XXXX/XXXX/XXXX, I did a wire transfer of {$5600.00} to Coinbase Inc to fund my Coinbase account. The fund is supposed to use for purchasing crypto currency. However, when Coinbase received my fund, they blocked my buy/sell/withdraw options and said that I need to verify my identity AGAIN. I already verified my bank, my identity and made some transactions previously. Now suddenly they asked me to verify again. Their ID verification system did not work. I submit multiple requests and call them multiple times. They never respond to my request tickets and said could not help through customer service on the phone. It only takes them to 2 minutes to verify my identity but they does not respond. Due to their delay, I could not use my fund to invest and lost thousands of dollar. My case number on their support system is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 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: Information belongs to someone else

Complaint: I noticed in my TransUnion credit file that its reporting that I had credit card with XXXX department store amount past due {$970.00} which I found to be inaccurate and it needs to come out of my credit file as other two credit monitoring companies did. I contacted XXXX they said they are responsible for TransUnion inaccurate information. I seek attorney advice she wants me to go through with CFPB first as this should have not being reporting in my credit file up to now.

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 12/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NE).
Issue: Fraud or scam

Complaint: Six {$100.00} gift cards to XXXX XXXX XXXX were purchased in 3 separate {$200.00} transactions fraudulently using our PayPal account. PayPal sent me a text On Monday XXXX XXXX we received a text message from PayPal indicating there was suspicious use of our PayPal account that day for a XXXX XXXX XXXX gift card for {$200.00} - they asked us to respond if this was an authorized transaction and asked for a reply. We replied No right away and PayPal replied back in a text that they would open a fraud case and follow up with us. On a follow up emai, they indicated in an email that they reviewed the claim and were denying it. The dispute case is XXXX, PayPal did not inform us of an additional 2 transactions with XXXX XXXX XXXX for {$200.00} each or we would have indicated those were unauthorized also. We also contracted XXXX XXXX XXXX on XXXX XXXX and they inundated they would attempt to close down the specific gift cards and we should be able to identify the PayPal transaction we think through our email address but ate not sure if that is occurring. XXXX XXXX XXXX INDUCATED THEY WERE HAVING MANY ISSUES WITH GIFT CARDS PURCHASED FRAUDULENTLY WITH PAYPAL ACCOUNTS.

Company response to consumer: Closed with non-monetary relief