milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Fedloan took over servicing for all my federal loans. They consolidated then and now I am asking for a due date change and they refuse. They will not work with me. I want to pay but they refuse to do anything to even help me. Shaday the customer service rep was very rude and talked over me. I asked for a supervisor. I wasn then transferred to XXXX who explained that they will not change the due date from an ICBR payment plan. While I was not advised of this, nor did I know I was locked in a forced to stay with that due date until today. When I had called on XX/XX/2017 the agent I spoke to incorrectly told me information in which Fedloan will not honor. They have a nasty habit of telling me wrong information, which then hurts my credit and hurts my payment history. I have worked hard to stay in communication with this lender but they will not work with you, they will not help you. The answer I always get is pretty much " Tough '' while their website is littered with saying to call in if you are having trouble making payments, or need to change due date. When I filed the ICBR there was NOTHING in any fine print, nor was it ever mentioned in conversations with Fedloan I was locked into that due date. I am now getting constant letters and calls, I am not able to EVER see up to date information because of their computer system. I made a payment on XX/XX/2017, the payment cleared my bank this morning at XXXX on XX/XX/2017, yet Fed loan wo n't show a posted payment until at least XX/XX/2017 making this reflect an additional several days late to my payment. The payments in the past made on Friday would be honored on that date even if it had clearned on the Monday after the weekend. I feel Fedloan is playings, inconsistant and unwilling to even work with borrowers. I can never ever get the same answer twice from them. It 's not right and it is morally and ethically wrong of Fedloan to operate in this manner. Countless student loan lender problems and NOTHING has been changed. NOTHING done at all to help just more frustration from Fedloan every day when I just want to make my payments on time. I was told I owe them XXXX bucks but my account shows pending payment still even though my bank statements CLEARLY show in black and white the payment was made, recieved and cleared and yet I am still 4 days late according to Fed loan. Why is this happening? Why am I denied current access to real time information of my accounts? I will never ever be able to pay off my student loans if they refuse to even compromise when I am begging them to take my payments on a date I know I wo n't be late! Why would any company turn down a customers money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Dear Sirs, I signed up with TransUnion Plus yesterday, XXXX XXXX, XXXX Order number : XXXX I wanted to try the credit service and wanted the TRIAL version service but due to the fact the information is so unclear on the web site I may have signed up for the only service that I saw which was for the TransUnion Plus Service.

I have tried at least five times to contact Trans Union and each time they instruct me to call back in ONE Hour. They say that their system is currently down and they are unable to access my account to cancel the service. 
In addition to wanting to cancel the service I wanted to request that they " reverse '' the credit card since their web site is so unclear as to how to sign up for the TRIAL Membership Service. 

I appreciate your attention in getting Trans Union to be responsive with my request for cancellation and possible refund of their service. 

Sincerely, XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing inquiries that were not made by me and they were not removed and no response or actions has been made by the credit reporting company. 
Below are the inquiries that are to be removed : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/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 06/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I use d Coinbase to  buy  XXXX   XXXX  for a total of {$430.00} on  XXXX   XXXX ,  2017 . I used their mobile application to monitor the health of the coin to see when the right time to sell was. On  XXXX   XXXX  I sold my  XXXX   XXXX  for {$680.00}. I have yet to receive the money into my account and have tried to reach out to the company via their support email to see when it will be delivered. They keep saying on their site how their running into issues and responses times are significantly delayed . Twelve days later or two business weeks later I still have yet to receive my money or an email from them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: trying to withdrawal money from TD Bank , NA only to find out they are saying theydo not have signatures on file for our company ( owner of the account ). i sent backletters telling TD not to close the account but they closed anyway. They do haverecord of receiving those letters. They are saying they XXXX the money to PA. 
PA has no record of that money. Just want to get our money out of TD Bank andinto our other accounts at another bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: BOA branch located at XXXX XXXX XXXX XXXX, XXXX, CA refused to cash a check written on my BOA account and in my presence and payable to a business when the business owner presented XXXX forms of ID including a business debit card with his name on it and his driver 's license. Instead, BOA choose to charge me {$10.00} to issue a cashier 's check. In addition, there was only XXXX teller during rush hour and the waiting time was over 1 hour and the Mgr. XXXX XXXX was rude and did n't care about the customers!

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 12/31/2016 about Mortgage (Other mortgage) with Sortis Financial, Inc. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: I continue to get harassing phone calls from Clearspring Financial. I recently received a letter in the mail with them threatening me that I must pay back a loan that I never got from them. I went through a foreclosure in 2011 and they sold part of the loan to Clearspring. They changed their name twice since 2011. I already lost home and now it appears that I 'm still being held accountable for something that was foreclosed upon in 2011. I have paid Clearspring money because they used some very aggressive practices when I was initially going through the foreclosure. I was literally afraid of what may happen. Now, I 'm tired of being threatened by them and having this thing over my head for years. Can someone stop them??

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 01-02-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am adding some documents to my original complaint to prove that XXXX was lying to me. I did not go through the mail they sent me and after going through it I found a document that says " Provided we receive a signed copy of this Agreement from you ( the student borrower or cosigner ) by XXXX/XXXX/2015, XXXX agrees to place your Loan into in-school deferred status beginning XXXX/XXXX/2015, and ending XXXX/XXXX/2015. Monthly payment will not be required while the Loan is/are in deferred ( in-School Forbearance ) status. '' When I spoke to XXXX he ( very aggressively ) told me that my request for Forbearance was neither approved or denied yet this letter basically says I was approved for Forbearance and I just need to sign the document. Additionally the letter was mailed XXXX XXXX, 2015. I was just about to make a payment on this account to just show that I am not careless in paying my bills but now I 'm nervous that my payment would count against me in some way unless this is handled by CFPB. I tried to call AES today, Saturday, but they are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of 2015 we received from Wells Fargo Bank an advertisement to refinance our home loan for 20 years at a fixed rate of 3.25 %. Being that refinancing would save us $ XXXX, our monthly payments would decrease, and we had 20 years left on our original mortgage, It would only make since to apply for the refinancing. 
We applied for the loan, paid the required fees and were told that the loan was approved. Wells Fargo Bank has now reschedule the closing of the loan XXXX times stating each time that they need more information from us, information that they have previously been sent. XXXX times I have been called back to my home from out of town to close only to be told the closing has been postponed. It appears that the bank is stalling with the offer that was made in hopes that we would decide not to refinance so that we would lose all money we have paid so far and also that since we applied for the 3.25 % loan it has now increased to XXXX and higher. During my last phone conversation I was ask if I wanted to stop the application process, but I would lose all the fees I had paid. Seems that something is not right here with Wells Fargo Bank. This process started in XXXX 2015 and it is now XXXX 2015. Looks to be a bait and switch or just a way for Wells Fargo to attempt to take ones money by hoping they will eventually give up on the loan application and forfeit all that has been invested in the application! I wonder how many others have been drawn into this scam?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Student loan (Private student loan) with National Recoveries, Inc. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have submitted previous complaints and the Lender continues to lie about their settlement of my resolution. My former compain # 's are # XXXX and # XXXX. I have been on XXXX XXXX and XXXX XXXX XXXX and due to my doctor having me out of work so long, I was terminated. Please refer to my previous two ( 2 ) claims submitted as both the Department of Education and National Recoveries have different totals and have NOt triEd to work with me. I called the Ombudsman at DOE and several people at National Recoveries Service. 

I received a letter from DOE on XXXX XXXX, XXXX and when I called they directed me to National Revcoveries. Mind you, there is almost a {$25000.00} disparity in the totals. I feel like I 've been given the run around as National recoveries initiallly accepted a payment plan with me on XX/XX/XXXX for $ XXXX and then reniged on their offer as I tried to pay the next month. I told them I was on XXXX and had little pay however, I could pay the agreed upon {$150.00}. I have a transaction # XXXX which was paid on XX/XX/XXXX at XXXX XXXX EST. 
When I went to make the next month 's payment, I was told that the employee that made the plan was moved to another department and my payment agreement was not acceptable. I was encouraged to get on the XXXX payment plan instead. 

I expressed my dissatisfaction and lack of professionalism of NRS and the DOE. I have not received ANY paperwork from them in over a year. I just recently got a letter from the Department of Education with much lower total amounts and was informed to call them immediately. I must tell you both entities are VERY unprofessional. They have put this on my credit report and threatened WAGE GARNISHMENT and Taking my TAX RETURNS. These entities should NOT be able to treat people like this as they are not telling your rganization the truth in their resolution responses as you can see from reading the aforementioned. 

HELP! HELP! HELP! HELP! HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Money transfers (Domestic (US) money transfer) with DISCOVER BANK (ME).
Issue: Fraud or scam

Complaint: My name is XXXX XXXX and I am XXXX years old. In XXXX 2015 I received a phone call from XXXX saying my computer was ready to crash and needed protection. It scared me to think it might crash and I would lose everything. They said they could fix it, and protect it, if I purchased their program. I accepted their advice, and offer, and used my XXXX card as payment. However, after thinking about it, I did not have a good feeling and worried it was a scam. The very next morning I spoke with XXXX and XXXX to cancel it and issue a credit. XXXX was not happy I wanted to do that, but said it would be done. I spoke with XXXX and they issued a pending credit, which showed on my last statement. In late XXXX we moved and I no longer even have that computer. 

I just received my most recent bill and the credit was reversed. Both I, and my husband have been on the phone with XXXX and XXXX today trying to resolve this. We called XXXX first and they said to call XXXX. I then spoke with a woman there who said it had been cancelled. She connected me to someone else, but i was disconnected. 

We are looking to you to get this resolved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Mortgage company charged my account double and has not worked with me to get the money back to me in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This compant has failed to send me proper information proving that the debt actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: GET OFF THE  XXXX  ACCOUNT THIS DEBT IS ASSUMED. CEASE COLLECTIONS AND GET OFF CREDIT REPORTS.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (TX).
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: Dear Flagship  Credit Acceptance Corporation :  I have been an account holder sin ce 2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I hav e two late p ayments on the above referenced account that date back  to 2014    since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the las t two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month of   XXXX  no  pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope tha t Flagship Credit Acceptance is willing to work with m e on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Flagship has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May Flagsh  ip  please remove all negative remarks off my credit report. In good faith.       Sincerely,

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 05-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I 've attempting to apply for  XXXX   XXXX   XXXX  that is up to {$17000.00}. I have worked in a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for the passed 21 years, and meet all the requirements but have received no assistance.     I 've completed all the necessary paperwork but to no avail. I continuously receive emails notifying me I eligible for the assistance ... ... then complete the paperwork and nothing happens.     Why?     Can you help.     Sincerely,  XXXX  in too much debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Would like bank to keep info updated with apps linked to account

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 reported fraudulent inquiries for my Equifax credit file to Equifax. I promptly received a response from Equifax stating : " We have reviewed the inquiry information for  XXXX   XXXX . The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''.     I contacted  XXXX  was told they have no record of the inquiry nor do they have any record to investigate.     I would really like to know what they have done to investigate the inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: I received a bill for XX/XX/XXXX that stated a promotional balance of {$720.00} due by XX/XX/XXXX. I also received a letter from the collections agency for this creditor the same month. I spoke to the collections department of care credit on XX/XX/XXXX and confirmed that if I paid the full amount of {$720.00} by XX/XX/XXXX my remaining XXXX did would be {$0.00}. I mailed in the check to them the following week along with my paper statement and they received it XX/XX/XXXX. Then I spoke to them XX/XX/XXXX concerned because I received a bill from them with a reminding balance of {$150.00}, and did n't understand why when I paid the promotional balance offered. I called XX/XX/XXXX and was told that a complaint would be forwarded for me and that someone would be calling me to follow up with the complaint. I never received a call regarding my complaint it was merely put into the notes section. My most recent phone call was with the account manager in customer service named XXXX who was very unhelpful and did not want to provide me with much information. She stated I was never offered a settlement amount, there is no such thing as a complaint department who I was told would be contacting me. When I asked if I could know who I spoke to to get the call reviewed because they are monitored and recorded, and prove that I was confirmed that if I pay the XXXX in full my balance would be XXXX $ she refused to offer me help. I used my care credit account for a XXXX transaction for my daughter XX/XX/XXXX in the amount of {$350.00} which I plan to pay but I will not be paying the remains balmce of {$150.00} as this should be taken off from the settlement amount.

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