milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2015 about Student loan (Non-federal student loan) with Tuition Options LLC (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I started an XXXX degree at XXXX XXXX College was advised tuition would be XXXX well XXXX were covered by federal student loans. Then they proceeded with stating i can pay XXXX cash up front or i can take out a personal loan through them. Well i started school in XXXX 2015 got the personal loan ( so they claimed ) through tuition options well little did they explain or let me know this company was an accounting type service for the college and that they would be receiving all payments made to this company. My payments during school was {$200.00} a month. Well 5 months in XXXX XXXX 2015 we as students received an EMAIL from the school 's CEO stating the school would close it 's doors as of that day with no notice or warning at all. I paid them {$1000.00} since i started school out of pocket. I have not completed my education as i was promised when i signed up with the school. This company has failed their contract between the students and them. We do n't know if we can get a loan forgiveness or if our credits will even transfer to other schools. When contacting tuition options they do not have answers for students.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

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 10-11-2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Using a debit or ATM card

Complaint: As with File no 2016 - CFPB XXXX Navy Federal Credit Union froze all my accounts and limited all access to accounts for any past due payments as late as 5 days. My question is what penalty is being paid to those who had accounts froze. I read those that were sent debt collection letters are eligible for up to {$1000.00} however, what about us that have accounts illegal froze. Are we at least able to individual sue them for violations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery Continually Calls My XXXX Year Old Mother 's Home Phone And Cell Phone To Try To Collect Debts Relating To Her Daughter. Called Her Cell Phone Today From XXXX. They Have Called From Numerous Numbers From XXXX And XXXX And Others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
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: Hello, My issue is with my Capital One Credit card. They reported me as a payment Late for the month XX/XX/XXXX and XX/XX/XXXX. The problem is that I set up automatic Payments back XX/XX/XXXX, on the mobile app. This was confirmed on my Moblie device. Keep in mind this credit card balance was {$380.00}, and I've never been late. So come XX/XX/XXXX, I get an alert saying My credit report had some changes. So check it, and find out XXXX XXXX had reported two months late. So I dispute this with all Credit bureaus and received the month of XX/XX/XXXX removed as a late payment. They will not remove XX/XX/XXXX, which is part of the same dispute. The investigation that XXXX  XXXX launched hasn't been fair and they continue to report wrong information to the credit bureaus. The customer service rep confirmed my story and assured me cap one would fix this, but nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This account has been closed by XXXX XXXX Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: experian credit report has a list of accounts that are not mine nor have i ever had an account with. Also, when i print out the report the cover page doesnt have my name on it. It displays someone elses name. There is also a judgment out in my name and when i contact the company they say that they cant find me in their system and they searched their database using my name and SSN.

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 03-02-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My problem is with Wells Fargo, they are the servicer of my FHA mortgage loan and they are refusing to give me a chance to save my house. They are not assigning a dedicated contact to review my information, they are not even opening a case to consider my financial situation and have set a foreclosure auction date to sell my home. I feel this is wrong and that they should be allowing me to be considered for options to save my home because I suffered a true hardship, but am now in a more stable financial status. 

I worked as a XXXX for 12 years but was hurt on the job in XX/XX/XXXX. I had enough money saved to continue making my mortgage payment to Wells Fargo for a few months. I had applied for workers compensation but this took several months to get approved. When I ran out of money in XX/XX/XXXX I could not afford my mortgage payment because I still had not received the workers compensation money. After I was a couple of months behind someone from Wells Fargo contacted me and I told them I needed help and needed to be reviewed for the programs set up to help people who are behind on their loan. However, despite several attempts I have made no progress with Wells Fargo. Instead of opening a review for the different programs that I know should be made available to borrowers with FHA loans Wells Fargo has set a sale date. 

I am now receiving my workers compensation and also able to do some part time work. I also have rented out some rooms in my home to boarders so that I have enough income to afford my bills and mortgage loan payment. I want nothing more than to resume making the payments on this loan all the way till the end. My problem is that Wells Fargo has not given me a chance to be considered for these programs. I have spoken with a counselor who told me that Wells Fargo is required on FHA loans to review me for modification, partial claim, forbearance plan or repayment plan, not to ignore me. I am also aware of the fact that Wells Fargo received approximately XXXX dollars in bailout funds from US taxpayers and that they are supposed to work with struggling homeowners. My problem is that I ca n't cut through the bureaucracy at Wells Fargo and get them to play fair and work with me to resolve this problem.

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 01-11-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (LA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX, my XXXX Nissan XXXX was totaled in the flood that occurred in XXXX XXXX, LA. I filed the proper claims with my auto insurance and XXXX insurance companies. My auto insurance company 's payment posted to my account for the date of XXXX/XXXX/XXXX. I received a letter in the mail from the XXXX insurance company in XXXX notifying me that they had mailed the payoff check to NMAC Total Loss department on XXXX XXXX, XXXX. I began watching the account online to monitor when the payment would post. After I saw no activity by XXXX XXXX, XXXX I began calling NMAC. I was told that they had not received the payment yet and that I needed to contact the XXXX insurance company. I contacted the XXXX insurance company so that they could investigate the issue. I was contacted a few days later, I was told the check was indeed received by NMAC and drafted out of their account on XXXX XXXX, XXXX. I was emailed a copy of the check that was stamped by NMAC. 
I discovered that the account number that the NMAC team member wrote on the check when they processed it was wrong and they credited the wrong account. The CSR I spoke with found the account and she saw that the {$9300.00} check had posted to an inactive account. She put in a request for the proper department to correct the issue and post the money to my account. 
The issue still has not been resolved I keep getting the runaround. I have been calling NMAC approximately every other day since XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Fraud or scam

Complaint: Paypal charged me {$20.00} for a fraudulent charge back initiated by a 3rd party, i which I do nothing to do with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had filed for deferment on my loan i was asked to place in forbearance until the deferment went through. I was told it was good for 2 years only to find out that i had to renew after a year. I sent all the paperwork back in and never heard anything back i was receiving statement showing payment amount {$0.00} untill a week or so ago i got a letter ststing it was past due and I owed {$280.00} payment due. I went online to see what was going on my loan is no longer in deferment i resubmitted. Then I called navient to see if i needed to do anything else they then instructed me to place in forbearance until deferment is approved. I was hesitant and asked isnt that what the lawsuit is about. She told me it would be delinquent if i didnt place in forberance and my deferment would be denied if i did n't. So i told her ok and did the forbearance for 1 month. I then checked my credit report and it shows my loan from XXXX XXXX was charged off deliquent for both loans even though i consolidated a couple years ago as instructed by navient when they took over because it would be easier for me. not that it was in deferment. I tried finding my documents on their website but i csnt find anything i submitted i dont have hard copies i signed and returned all document 's sent to me. They had my old address on file even though the past 2 years ive been receiving information at my current address. I trusted them i assumed because it was a federal student loan with department of education it was a government agency. I did n't think they would stear me wrong. Over the years ive had {$520.00} added in interest when i though it was in deferment for economic hardship. Also when looking at my email i was sent 20+ emails from navient asking me to reply yes to email to place loan im forberance. I went to XXXX school not i guess they are called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Struggling to pay mortgage

Complaint: I have been living at my residence for almost 30 years. Over the last XXXX or so years, many mortgage companies have been involved in my home loan as they sell it to other companies. A number of years ago, the present company XXXX, informed me that my I now owed almost {$500000.00}. I had thought it was around {$350000.00}. They never gave me a complete explanation for this increase. As I was struggling to pay the monthly mortgage, I contested it but they did not respond. 
The present value of my house is around {$560000.00}. 
I am 72 years of age, self employed and want to stay in my residence. 
I would appreciate your investigating this situation and informing me of the correct amount I presently owe on my home. 

Thank you very much for your help XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2014 I received a letter stating to settle my account with Citibank so I contacted them on XXXX XXXX, 2014 to settle my account for the amount in the settlement. The agent I talked with talked in circles and offered me a deal to pay {$88.00} short and she would lower my payment. I wanted to just get from under this debt, since my alimony money was n't being paid to help me out financially. They took the {$4000.00} leaving me to be responsible for the rest of the debt. I contacted Citibank on XXXX XXXX, 2014 and explained what happened to see if I could pay the additional {$88.00} to clear this debt and they said no because I declined to settle the debt. I contacted Citibank again on XXXX XXXX, 2014 and talked to the risk department and was told again they could not honor this settlement and now I 'm being sent letters stating I owe over {$5000.00} again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: Hello, I opened up a virtual wallet checking account with PNC on XX/XX/XXXX I believe. I opened it up with a promo code attached to it that was " Get {$300.00} if a {$5000.00} direct deposit was made and XXXX debit card purchases were done. '' I fulfilled those requirements. I chatted with a PNC customer service representative named " XXXX '' on XX/XX/XXXX about it. I will be attaching a screenshot of the conversation. However, he acknowledges that it is active for my account. I waited the required 60 days and my bonus never posted to my account. I chatted online on XX/XX/XXXX with a " XXXX '' ( screenshot is attached ). She says that I do not have a virtual wallet account anymore and my savings account is closed out. I was confused and never asked or was informed by PNC that my account was being changed like this. XXXX says I am not eligible for the bonus now. It seems like PNC is trying to avoid paying out the bonus. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit determination

Complaint: Consumer Financial Protection Bureau - Case # XXXX Macy 's account ending in XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We previously had services with XXXX and we were told after we terminated services with them that we still owed {$330.00} for services that had accured after we paid our last bill. These charges were claimed by XXXX after we terminated services, paid our final bill and returned all XXXX equipment. The account number is XXXX. We strongly disagree with what XXXX is trying to do and feel it is unfair. We can not pay this bill due to insurmountable curcustances, and the fact that this bill was presented by error. However, we agreed to pay them anyway as soon as we got our refund gift visa card from XXXX between the end of XXXX to the end of XXXX. They keep harrassing us for the past several weeks with daily phone calls by demanding full payment immediately. We have explained our circumstances to them 2-3 times, yet they keep calling XXXX+ times a day. The number of the collection company, ACSI XXXX collections, is : XXXX. Please stop these harrassing calls!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I assume this is a energy company. Not sure what state it is in but I have never has service with XXXX energy. I was living in Ga at the time they reported the service and I do not believe this company services the Ga area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Problems caused by my funds being low

Complaint: As a customer of USBank it 's not clear just by looking at your account balance and transactions what your account balance is. You have to take the additional step of clicking on an icon next to the transaction and account balance to see your actual account balance at that time. The bank 's explanation for this is that " there are XXXX balances '', XXXX is the account balance and XXXX is the ledger balance. This seems confusing and a deceptive way of generating overdraft fees. In addition USBank says they charge overdraft fees on transactions the moment it takes an account negative at the card swipe with the merchant instead of when the funds clear the account. The combination of these XXXX USBank practices made it impossible for me to me properly assess and make the the apropriate same day cash deposits to cover the funds and avoid overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DE).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I've had this car auto loan for two years and been doing fairly well with making payments at timely fashion and I just don't feel with two years worth of payments aren't going to my principal rather to the interest rates... this past year along I struggled because I don't know why every month my payments almost doubled than the typical amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom it May Concern : Correspondence sent to Ocwen as there was an outstanding judgment associated with case # XXXX. The judgment was confirmed satisfied by Ocwen on XXXX/XXXX/XXXX in writing ( attached ). A corrected XXXX was received but the satisfaction of judgment has not been filed which is preventing the refinancing on XXXX XXXX 's residence. 

This matter has been ongoing for 3 months and has been escalated several time. Ocwen has failed to satisfy the judgment as promised thereby continuing to impact XXXX XXXX 's credit and ability to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (OK).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This company has been harassing me. They call anywhere between 3-5 times a day and make threats of legal action and has used profane language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have previously stated that I have no debt with XXXX XXXX and CAINE & WEINER COMPANY, INCXXXX has not sent me anything by mail notifying me of a debt or my right to dispute it, violating the law. If they sent the verification certified then they need to send the confirmation that the letter was delivered and to what address. I have received many things from XXXX XXXX through e-mail and regular mail and not 1 thing was a bill. Also, the collection agency has had more than enough time to provide verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (Government benefit card) with Comerica (OK).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: XXXX XXXX 2017 an IVR money transfer of XXXX XXXX dollars. I called the Office of the inspector general asking what an IVR money transfer is. they did n't know. I tried filing with the company before calling the Inspector General for the federal Reserve, Direct express XXXX by Coamerica bank. Nine times when I called they transferred me to a dispute supervisor and after identifying me, he or she in some cases would transfer me again. But they would hangup and I received a dial tone. Happened again today, but the second time I called I wanted the level two person and finally was able to file my claim against the IVR money transfer. I spoke with a lawyer and she read their contract and it needs to be changed because they could not tell me where the money was transferred to. And in that case the money should be returned within ten days. Now it is as they have stated gon na be forty-five days.

Company response to consumer: Closed with monetary relief