milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2015 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been paying my private school loans since XX/XX/XXXX. Never late, no problems. In XX/XX/XXXX, I lost my job and entered into a graduated extended repayment schedule with Access Group. At no time did they tell me it was only for 2 years with that repayment structure. During this time, Access Group sent my loans to be serviced with XXXX. XXXX has been a disaster from the start. They took away my repayment structure telling me the time had expired. Since that time, I have been having trouble making my monthly payments because I can not afford them. I get calls on my cell telling me I 'm late and threatening to report me to the credit burue said the time. I also receive emails from access group telling me to contact them to talk about my options on repayment. I call each time I get that email and then they tell me, there are no options. I do not understand how this company rather get paid zero than try and work something out so they can get paid something. People at this point have nothing to lose by not paying their loans. We have no property and our credit scores are shot either way! I feel that access group/XXXX do not care about the millions of people that want to pay, but they refuse to work something out. I am sure that in my lifetime, the bankruptcy laws will change to have this debt dissolved, and I will probably be amongst the first to do so if access group/XXXX does not step up and work payment plans with people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In  XXXX , I took a {$28000.00} loan for   XXXX   XXXX   with  XXXX   XXXX  - now referred to as Navient. Since that time, I have consistently made the required payments each month for t he past seven years. When I look at my account details, it turns out that approximately {$900.00} of the  actual loan - not interest - has been paid. I have paid {$18000.00} faithfully and respo nsibly for seven ye ars, and all I have to show is less than  a thousand dollar  paid towards the debt. Also, according to my account details, the estimated payoff date is  XXXX / XXXX / XXXX  with the continued payment of {$220.00}. I am unsure as to what kind of math the lender is using, but the projection and monthly payments do not equate - unless the lenders are looking to increase my monthly payment to {$45 0.00}. In fact, the current payment rate would actually take me ten years to pay off.   <P/> As a responsible and educated borrower, I do not feel that the lender is being transparent nor realistic about the repayment process. I call on the Consumer Financial Protection Bureau to investigate this situation as this is a form of financial imprisonment and punishment for me trying to better myself.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with Alliance Data Card Services (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My Paypal  Credit Account minimum payment due is {$38.00} per month, I paid more than my minimum of {$87.00}. Because I received my monthly income benefits on the XXXX Wednesday of each month fell on XX/XX/18. My paypal credit account bill did not get paid until XX/XX/18 instead of the due date of XX/XX/18. Paypal Credit   charge took {$27.00} from my {$87.00} for a one day late fee. This company does not allow the consumer any grace period of 1-5 days before charging any late fees. The company is profiting from collecting late fees from the consumer who has only paid their monthly payment a day late. I think this is a practice of merchant/creditor collecting on the consumers debt obligation to only keep them in debt but profiting more money from the consumer for the debt that is owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (WA).
Issue: Deposits and withdrawals

Complaint: I used Paypal Inc. to pay a mover who helped me with a heavy couch a month ago. Unfortunately, the mover damaged the couch and we agreed that he would pay me {$300.00} in damages. I, by accident, sent him {$300.00} instead of requesting it on Paypal. I called Paypal and asked them to stop the payment, and they said I could do so by stopping it with my bank. I called my bank and put a stop order which worked. Then 2 weeks later, I received a payment from XXXX from tickets I sold in the amount of {$470.00}. I saw that only XXXX was deposited into my paypal account. Paypal stole {$300.00} from this unrelated transaction to send to this mover, after they told me that it would not go thru as long as I put a hold on my bank account. This mover, I have spoken with him, and he has XXXX dollars held by paypal currently and therefore is in no financial position to pay me back. I also do n't know him and would n't trust that he would pay me back. Please help me resolve this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mountain Land Collections, Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are things showing up on my credit numerous of times. Also wrong information inquirys I didnt do mail In forms I didnt do either.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.

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 01/31/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: I have a citibank checking account and recently traveled outside of the country, to XXXX. I used a Citibank ATM in XXXX to take out cash from my Citibank checking account. When I returned home, I discovered that Citibank charged me a foreign transaction fee of 3 % of the amount of my deposit even though I took out cash from an ATM from my own bank. When I called Citibank they told me that Citibank XXXX is actually a different bank that is " not affiliated '' with Citibank in America and refused to do anything about my foreign transaction fee. I find it ridiculous that they would claim not to be affiliated with a bank of the same exact name ( clearly the same bank ) and kindly request to get reimbursed my foreign transaction fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Settlement process and costs

Complaint: sorry i forgot also in our complaint they said they talked to XXXX county about our taxes we live in XXXX county prof they have us mixed up

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (VA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : Please help me ; I want to keep my home. 
For the past 7 months, I have been cooperating with XXXX XXXX XXXX and now Selene Finance to provide all the documentation required to modify my first mortgage which is a 30 year Conventional Jumbo ARM. I have attempted several times to get written confirmation from Selene Finance that my documentation previously submitted to XXXX XXXX XXXX was transferred. This has yet to happen. 
Despite Selene Finance 's unreasonable deadline requests to provide for additional documentation ( which I have submitted every single time on a timely basis ), they seem to be more focused in foreclosing my property instead of helping me keep my home which I have worked very hard since 2003 to pay and maintain. 
Therefore, this written description serves as my written request to submit my official complaint against my loan servicer, Selene Finance, in helping me modify my mortgage due to the following : 1. Unresponsive : loan resolution department head has yet to return my repeated phone calls 2. Contradictory requests for missing documentation : Despite providing " missing documentation '' via certified mail on a timely & repeated basis, Selene Finance letters are unsigned, repetitive, confusing, and contradictory. 
3. Confusing follow-up process : my first mortgage was recently transferred from XXXX XXXX XXXX to Selene Finance. 
4. Wrong focus : instead of helping me modify my mortgage due to continued financial hardship as a result of a recent separation from spouse and therefore loss of dual income, Selene Finance refuses to help, does not offer any options ( lowering my rate and/or extending the term of my first mortgage -I have XXXX mortgages on my home- ), and worse-yet facilitates the selling of my home by requiring to dialogue with realtors who are not specialists in modification. 
Since it is my firm desire to keep my property, I look forward to speaking with a CFPB representative either in person and/or via phone. Please note I have kept diligent records and can show tangible proof Selene Finance committed surprising number of errors that often are grounds to challenge a foreclosure action. 
Since time is of the essence, I thank you in advance for your immediate attention & response to the contents of this written complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Our son applied for a XXXX school and needed us to co.sign on his second loan. He went back to school after graduating and then had to put on hold again.After many times trying to reduce the loan for him to afford for a struggling student they would n't accommodate it..he wanted to pay but could n't afford what they described so we as parents had to step in to help with the payment.we called to at one time having some extra money to repay the loan at a lower rate but they told us they do n't do that ..which was opposite of what we had researched about repayment. 
Our son joined the military and wanted to have it changed into his name for repayment .I did n't go to the school he did and now because we 're co.signers we are responsible for his debt. We are retired and it is a financial difficulty ..paying on his loan is a monthly responsibility so as not to damage my credit score. 
What if anything can be done to help with this situation. 
Thanks for taking time to hear a little of our dealings with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: As of XX/XX/XXXX my wife and I had prepaid her Wells Fargo student loan to a point where our next payment due was listed as XX/XX/XXXX. For two years we continued to receive statements showing our principal balance in the amount of XXXX. What was not disclosed anywhere on the statement was the interest which was accumulating on our balance. Last month we paid off the statement balance of XXXX. When I logged on to the account to verify that the payment had been applied I was somewhat surprised to see a {$2100.00} balance representing the interest which had been accumulating over the past 2 years. It is common sense that lenders should be required to clearly depict the full balance of the account on the monthly account statement. Not representing the exact status of an account is clearly a deceptive and predatory practice. Please require lenders to be upfront and honest with their customers. Had I been clearly informed as to the status of accumulating interest I would have taken steps to pay down accumulating interest charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been trying to get the people that work at Transunion to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: My intended recipient didnt receive my money ( {$2000.00} ) on  XXXX   XXXX ,  2016, I  requested Bank of America  ( " Bo fA '' ) to provide me an official document or the transfer history through online banking which can show me where my money was transferred to, but they didnt and no any respond to me by now.   The information about this transaction from the bank statement and online banking transfer history I can get by now only included the transaction date, my intended recipients name and the amount ( Please refer to the attachment ). But, since my intended recipient didnt receive the money, the information what I got did n't show me exactly where my money was transferred to on  XXXX   XXXX ,    2016.

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 03/15/2017 about Credit card () with CITIBANK, N.A. (WI).
Issue: Late fee

Complaint: My credit card issuer, Citi Visa, assessed my account with a late payment fee of {$27.00} on XX/XX/XXXX that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff 1 day prior due date of about the issue they informed me that they were not able to provide an alternative and advised me to contact the Citi Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

On XX/XX/XXXX I contacted Citi Customer Service via their online Chat Service and spoke with an agent who informed me that they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff and prior chat session representative. I attempted to escalate the issue by requesting to have a supervisor contact me to provide my chat session notes and the my account of all that occurred but the representative insisted they would not reverse the fee.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am a victim of Identity Theft. Someone has placed things on my 3 credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all 3 credit bureaus along with multiple attachments as proof. By law, the 3 bureaus had 4 days to block the information relating to the identity theft. Out of the 3, only 1 has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All 3 of these bureaus should have blocked this information immediately and they have not.

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 04/26/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: In XXXX I called a loan originator at USAA to get pre-approved for a VA home mortgage loan. During that phone call I thoroughly explained that I had, at the time, worked for my current company for 1 year and 3 months. I also explained that I am paid an hourly rate on a guarantee of 70 hours a month, unless I work more, then I am paid for the hours I work ( which is on average around 85 hours a month ). Based on that information, the originator pre-approved us for a certain amount under the income of about XXXX pay hours a month ( my actual income ). We then used that pre-approval to find a house and sign a purchase contract. After signing the contract, we then moved forward in the purchase process by both moving forward with USAA in the loan process and having inspections done on the house ( totaling {$430.00} ). 

After submitting all the required documents to a loan processor, the loan went to underwriting, where it was denied. The processor tried several submissions, but each came back with the same denial. The reason behind the denial was that they could only use the guaranteed amount, since I had not been employed with my current company for at least 2 years. This is a basic VA mortgage loan rule. As a result we had to back out of the purchase contract and the house went back on the market and was then sold to another home buyer. 

I feel that since this is such a basic VA rule, the loan originator should have known it, and should have based the pre-approval the guaranteed amount, not my actual income. Had he done so, we would not have signed the purchase contract, and, more importantly, not have done the inspections on the house, which cost us {$430.00} out of pocket. Therefore, I believe that USAA is responsible for the loan denial and should reimburse us for the inspections fees, but they refuse to do so.

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/2017 I reached out to XXXX XXXX XXXX XXXX concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach resulting in unauthorized release of private consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Debt collection (Medical debt) with Regional Collection Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Regional Collection Services, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. 
XXXX XXXX XXXX {$83.00} XXXX XXXX, XXXX {$45.00} Aprol XXXX XXXX XXXX {$26.00} XXXX XXXX, XXXX {$200.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$82.00} XXXX XXXX, XXXX {$150.00} XXXX XXXX, XXXX {$82.00} I was on XXXX at this time, I was 100 % coverwd by them. I would like to dispute these charges.

Company response to consumer: Closed with explanation