milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from XXXX at the University XXXX in XXXX, after finishing XXXX at the University XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I received a statement from ditech notifying us that any partial payments ( additional but not yet an entire month 's payment ) will be held in an " un-applied funds account '' until it totals an entire mortgage payment, then they 'll apply it to the mortgage. We 've been on time with our payments the length of the mortgage ( 5+ years ) and have been paying a little ( {$65.00} ) extra per month to be applied toward principal. Based on this statement, instead of applying to reduce our principal, they 've created an " account '' that now has {$360.00} in it. This " account '' has no benefit to me ; it is not earning any interest nor has it been applied to my principal. I contacted ditech today and they said, " oh you just need to call us and let us know, we can make an exception to your account to apply these extra amounts to principal. '' While perhaps my account is now squared away ( I 'll keep checking ), this seems like a pretty deceptive practice as a whole. It is my understanding that payments should be applied to the benefit of the borrower, but this practice clearly offers no benefit to borrowers, particularly those who are current and who 's loan is in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s 2 by never responding to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX ( XXXX ) has paid out XXXX in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. XXXX XXXX XXXX ( XXXX ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from Capital One Account # XXXX. Capital One stated in XXXX XXXX credit bureaus that the account was sold to XXXX XXXX XXXX, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC XXXX XXXX XXXX XXXX XXXX XXXX ). Capital One admitted that the initial first late payment was XXXX XXXX. Accordingly, Capital One, based upon the 7-year rule FCRA has deleted the above referenced account. XXXX XXXX XXXX ( XXXX ) by extension from Capital One has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that XXXX XXXX XXXX does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all Capital One accounts across the board with all pertinent credit reporting agencies. XXXX XXXX did through its own internal investigation remove all Capital One accounts and the collection of XXXX. XXXX XXXX XXXX ( XXXX ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by Capital One is the only item necessary to validate the removal date of the original account and any extension to a collection agency. XXXX compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction XXXX for trying to re-age a debt already proven obsolete by Capital One and XXXX major credit bureau, XXXX XXXX. XXXX needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Account Systems of Omaha, LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no contract with this company. I send them a letter verified requesting debt validation. I requested for the original contract bearing my signature and also my letter asked to show proof that the debt was under limitation. Also I requested proof of the collections agency being licensed for my state. According to the contract send by XXXX they are reporting outdated information falsely re age this account to collect. This collection agency has re aged this account according to the original creditors date of first delinquenc in a letter they send me.

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
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TX).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: IN XXXX OF XXXX I OPENED A SECURED CARD ACCOUNT THROUGH XXXX IN XXXX TEXAS SECURED CERTIFICATE OF DEPOSIT IN THE AMOUNT OF XXXX CARD WAS PROVIDED WITH A LIMIT OF XXXX i MADE SEVERAL PAYMENTS AND CLOSED ACCOUNT BECAUSE OF UNAUTHORIZED CHARGES AND THE PAYMENTS NEVER REFLECTED THE PRINCIPAL BALANCE, CUSTOMER SERVICE WAS HORRIBLE AS WELL. iN XXXX XXXX I DISPUTED CHARGES AND ALSO AT THAT TIME ASKED THAT MY ACCOUNT BE CLOSED. I RECEIVED A COLLECTION CALL XXXX XXXX AT THAT TIME I ADVISED TO COLLECT CERTIFICATE AND DO NOT CALL ME ANYMORE. i FELL SICK IN XXXX AND LOST EMPLOYMENT AND GOT TIRED AND FRUSTRATED WITH HARASSING CALLS.i NEVER HEARD FROM THEM AGAIN, I CHECKED MY CREDIT AND SEEN THEY WERE REPORTING A DEBT IN THE AMOUNT OF OVER XXXX. I WENT TO XXXX AND CLOSED MY ACCOUNT ON MY CD. XXXX XXXX, THEY COLLECTED XXXX WHICH I FELT WAS INCORRECT.I WAS ADVISED TO CONTACT CARD MEMBER SERVICES ON XXXX/XXXX/XXXX, PER BANK REPRESENTATIVE. AFTER BEING TRANSFERRED 8 TIMES I SPOKE WITH XXXX XXXX BANKRUPTCY DEPT STATES MY ACCOUNT IN BANKRUPT STATUS, WHY IM NOT SURE NEVER FILED BANKRUPTCY, SPOKE WITH XXXX ALSO WHO STATED SHE WAS TAKING CARD OUT OF PENDING BANKRUPTCY STATUS, ADVISED THEM I WAS CONSIDERING HIRING AN ATTY. THEY STATED IF I HIRED AN ATTY THEY COULD NOT SPEAK WITH ME. THAT WAS QUESTIONABLE. I WAS CONTACTED BY XXXX ON XXXX WHO TRANSFERRED ME TO XXXX XXXX  XXXX WHO WAS SUPPOSE TO OFFER ME SETTLEMENT OPTIONS. HE OFFERED 50 % OFF OF XXXX DEBT I FEEL I DO NOT OWE AND THEN TRANSFERRED ME TO A SUPERVISOR WHO OFFERED ME A 30 % OF A DEBT I DO NOT OWE. i ASKED FOR A PHYSICAL ADDRESS AND A PHONE NUMBER THAT THEY REFUSED TO PROVIDE ME TO SEND CERTIFIED LETTER. ALSO THAT ADVISED ME THEY DO NOT COLLECT ON DEBT UNTIL AFTER ITS CHARGED OFF. CHARGED OFF XXXX AND HAS AFFECTED AND REPORTED TO MY CREDIT NEGATIVELY THE INCORRECT AMOUNT OF DEBT BEING THAT IT WAS SECURED.

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 04-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow account decreased thereby decreasing my mortgage payment and Bank of America 's Branch Office located on XXXX XXXX XXXX, XXXX, NJ XXXX will NOT accept my payment. The representatives claim that I am paying LESS than what the mortgage payment due is as shown on their computer system. I have explained each time to the drive-thru employee that my Escrow Account was adjusted and I am remitting the full monthly mortgage payment for XXXX XXXX, 2015. They refuse the FULL payment each and every time. I have appeared on numerous occasions which began on XXXX XXXX, 2015 and today, XXXX XXXX, 2015, was my last attempt and the payment was rejected again. I now assume that BOA does not want my mortgage payment for reasons unknown to me. If I do not make a payment, BOA will ruin my stellar credit. Please note that when I attempt to make a payment, I utilize the payment stub that Bank of America provided to me in XXXX, 2015, with my new Escrow Analysis. 

Also, in prior months, when BOA receives my mortgage payment, they continue to place the full amount in an account for mortgage modification when I did NOT accept their modification offer. I must then call each month to demand that they correctly apply the payment to my mortgage account. 

Does BOA want me to pay my mortgage or not?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

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 08/18/2017 about Debt collection (Other debt) with Media Collections, Inc (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted the CFPB previously with another collection agency regarding this debt. The debt is not accurate the company refuses to send me the back up information proving the amount, I have provided the information to them, however, they still deny the situation. I am asking for your assistance to stop this credit collection harassment by this new company 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 non-monetary relief
Consumer complaint received 02-10-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NV).
Issue: Money was not available when promised

Complaint: I 've been a member of PAYPAL and Ebay for over 12 yrs. They have a policy/agreement that is to pay instantly to my account if I have a certain amount of sales. I have had more than enough to qualify and for years Paypal has instantly put my Auction sales in my accessible funds. Today I sold over XXXX items on Ebay and Paypal made all except XXXX available. So I called to find out why a hold was on it. XXXX Paypal claimed it was because of an shipping number when the label was paid for through Paypal w/ the tracking #. Then they claimed it was because of algarhythym and the computer is treating my account like a new XXXX so I will not get my funds as per their agreement and that although they verified the tracking and that it is an " As Is " No return ad in the auction I still have to wait until 3 days after the person gets the item or 21 days before they release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Data Check of America LLC (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Data Check of America has contacted me about a bad check I wrote to XXXX XXXX. I asked for something in writing to be mailed. Never got anything in the mail. They asked me to view a check on the website I did looked like a check I wrote. This is a check from 2001 and I no longer bank with that company. I pay my bills and if they would simply mail me notice I will work some type of settlement if I in fact owe it. Then I get a call from the " attorney '' XXXX XXXX XXXX from GA but I ca n't find anything on them. I spoke to a XXXX XXXX XXXX told her also to mail me something and she told me that was a stall tactic and she would not fall for my SCAM???? She said they were going to take to to court and starting yelling because I told her to simply mail me something over and over she continued to act unprofessional so I hung up. I looked on the XXXX under datacheck of america and the address this number listed above falls under them. I also tried to look up the law office referenced and could not find anything. I just wanted something in writing I will never pay something over the phone. She had my SS # address and name. There is nothing on my credit report I have checked. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account XXXX that 's reporting on credit is reporting as opened when it has been closed and charged off since XX/XX/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 11/30/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other service issues

Complaint: I have a PayPal account with a balance of {$5400.00}. In XX/XX/XXXX, PayPal notified me that my account was suspended but without any explanation for why. I tried contacting them several times, by email & online forms, and have never received a personalized reply. I just get very generic emails that my " appeal has been denied '' but again, zero specifics as to why my account has been limited. The messages on their website are very circuitous and Kafkaesque. When I log in, I see messages like " We would like to learn more about some of your recent transactions '' however there is no way to provide such information, they do not specify which transaction is at issue, and they do not have a phone number. I very much need to get the cash OUT of this account and PayPal has disabled withdrawals, I can not seem to access this money in any way. 

Of course, I have not used my PayPal account for anything fraudulent. I had been a PayPal user for probably 10 years until this happened. If you can please prevail upon PayPal to release my money I would be most appreciative. 

PayPal 's site also gives me a case number which has proved useless. 
" Your case ID for this reason is XXXX. " My PayPal account ID is my email address, " XXXXXXXXXXXX ''. 

( I am using the " Money Transfer '' form instead of the virtual currency form, per your web instructions. Therefore, my responses to the other items below will not be quite applicable. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a car loan with XXXX XXXX that was paid as agreed and never late. Recently I checked my credit reports online and they have XXXX XXXX showing up with several negative marks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Before XXXX 2015, I have a credit score in middle XXXX on all XXXX credit bureaus. After being denied credit I discover all kinds of wrong information on my credit profile. So I file an Identity theft report with the XXXX Police Department, in XXXX, XXXX XXXX File # XXXX ). I send the report to the XXXX major credit bureaus and the creditors. All the creditors and credit bureaus deleted the information from my credit report quickly except Experian. XXXX of the creditors told me that Experian is the XXXX that had cross referance my file with someone else with the same name. My name is XXXX XXXX XXXX XXXX Address ) XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX. My DOB XXXX ( SSN *********** XXXX. And that is the way i apply for credit and that is the way the creditor report my information to the credit reporting Bureaus. After sending Experian a copy of my ID and SS Card that tell me that they dont have no information in there database under that information. Which is a bold face lie and i told them so and that their job is to apply the information in there database exactly like the credit provider report it to them. On a credit report that I have from them is show a difference SSN and Several addresses and phone number that i know nothing about. And they refuse to correct this misinformation. This has cause me denied creditXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I applied and opened a checking account in branch on XXXX XXXX, XXXX. People United Bank was running a promotion that the associate attached to my account. The offer was to receive {$100.00} after meeting a single direct deposit requirement in 30 days of over {$100.00}. On XXXX/XXXX/XXXX, there was a direct deposit of {$540.00}, the opening bonus was never credited to the account in the 3 month promised time. The bank did not award the bonus lines in their terms and conditions. I was I satisfied with the process and did not use the account after the promised time. Bank closed my account after a month of inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (I do not know) with Allied International Credit Corp., (US) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a notice from " Allied International Credit Corp '' indicating that I owe {$37.00} to XXXX which has been referred to ALC for collection. 
In fact, I have not purchased anything from XXXX in several years. They are also using a name which I do not typically use for purchasing any items on the internet. 
I believe the letter is a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (NC).
Issue: Settlement process and costs

Complaint: I applied for a VA refinance mortgage through Loan Depot XX/XX/XXXX. At that time I had to pay {$300.00} to lock in the interest rate and to cover the appraisal. I received very little communication from that time on except for notices that additional papers were needed by the VA which I found and sent to Loan Depot. Then two weeks ago I got an email asking for my water to be tested because I have spring water and the report to be sent to Loan Depot. This took a few days because the health department only has certain days of the week that they test water. So then last night ( Monday ) I received a call from Loan Depot saying that they had to raise the interest rate because my loan unlocked on Friday. The man said he had called me on Friday but there was no answer so he left a message. I received no message. I use a cell phone and it does not work inside my house. So after an hour or so conversation with the person that called ( Mon ) I decided to call the person that originated the refinanced process and had to leave a message because he was not answering, but he has not returned my call. So at this time I am really frustrated and do n't no what to do. When I finished the hour or so conversation with the person last night he told me I could either except the new interest rate or close the process. The interest rate that I locked in was 3.25 % and now they want 3.75 %. This seems totally unfair to me especially since the rate unlocked on Friday and I get a call on Monday. Not only did they raise the interest rate but they want {$4000.00} at closing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was informed by XXXX/XXXX XXXX that my account would be closed at the end of 2017 because they were discontinuing the card. As I was checking my account, I found out that they charged me an annual fee on XX/XX/17 for {$49.00}, 4 days before they closed my account. This is blatant theft and wrong. Others should know about this so they do n't get ripped off.

Company response to consumer: Closed with non-monetary relief