milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: First - it took 3 years to consolidate because  Fedloans h ad trouble getting someone to process paperwork, they requested multiple copies of documents due to lost forms by them. Now,   XXXX   renewal of  XXXX . Was sent documents  XXXX , not due til  XXXX  ... .posted on site    XXXX   . Documents they gave to me and documents requested. It is now    XXXX    and I have been calling them each week. A supervisor states each time documents are correct and complete. They do not understand why this has not been completed yet ... .my payment should be  XXXX  same as last year. Now I am crying everyday, I am a single mom and found out today they are denying and wanting same paperwork again. They are going to take  XXXX  out of my account because they can not process paperwork and I will lose my home because of the payment and  Fedloan  not doing their job correctly. having trouble typing cause I am crying. Is there someway of making this go away? I can not handle this every year ...  .the threat of losing everything because they are incapable of doing their job ... PL EASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Customer service / Customer relations

Complaint: I had my verve credit card on automatic debit for {$50.00} per month, I had not used the card in approximately 4 months, when I went to use the card, the card declined. When I contacted verve customer service, I was told that I had late charges, return check fees and over the limit Fees. I asked them How is this possible since I am on automatic debit and have always had money in my bank account, additionally I never incurred any charges from my bank indicating that my account had insufficient funds nor overdraft protection fees. The customer service rep could not offer me a good explanation for this. I asked them to review the account and make the proper adjustments and she said that she could not do this. I told her that I would not be making anymore payments and I removed the card from automatic debit. They have placed my account with their collections department and continue to call at least 3 times per day.

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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX , BAD EXPIENCE XXXX I WAS NOT MOVING TIL 15 DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX DON ; T KNOW FOR WHAT I PAID XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND ONE OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. 
It 's passed seven years and they proceed to attempt to collect on it. 
In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. 
Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I contacted Chase regarding a promotion they were running for their Reserve card. The promotion provided XXXX bonus points. Since I was an existing Chase Slate customer I called their customer support organization to inquire about the new card promotion and confirmed I would be able to take advantage of the bonus points by upgrading my current account. I was told yes, but they needed to run my credit to increase my credit line to ensure I was eligible. They ran my credit and increased my limit. Fast forward 3 months, the bonus points were never received. I reached back out to try to resolve the problem. Spoke to an agent and someone claiming to be in a management role. They would not share the call recording with me and simply said that they could not honor the bonus points since I was a current customer. I also went on twitter to try to escalate, but Chase did not resolve the issue and stopped communication with me. I feel like I was not provided accurate information and would not have upgraded my card ( which includes a annual fee ) if I knew I was not going to receive the bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America claims the modification document states that the loan payments must be paid in the month for three months. The documents do not state that they can not be paid early, paid all at once or define how the payments should be made other than XXXX payments for XXXX, XXXX, XXXX. XXXX XXXX went as far to say on a recorded call that they should be made on the first of each month. I have now paid XXXX payments and am going to make my XXXX to be sure the modification goes through. I have attached my back up documentation.

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Provider bought mortgage and paid for lender placed insurance that was in place and coverage until XXXX/XXXX/17. continued to charge me the escrow amount. then claimed no insurance and place another policy charging me an outrageous fee and doubling my mortgage payment. when i was made aware of the problem and provided an active policy they stated it was not valid and refused to accept it. i obtained outside insurance and they credited only part of the lender placed refund with no explanation on the amounts. i have tried to get this resolved with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Payday loan) with TMX Finance LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Myself and the staff at my job have ask them to stop calling the work phone after they have call 5-10x in one day\ in less than 10 seconds apart. 
You ask who they are and they get really rude and aggressive. 
After explaining to XXXX at Web-cash that we ca n't accept any personal calls at work he became even more aggressive. 
I 've explained that i ca n't talk about person business at work. and I 'm not even sure if I 've ever had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Credit card) with J.A. Cambece Law Office, P.C. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My daughter, XXXX XXXX, was contemplating an expensive procedure at her XXXX, XXXX XXXX in XXXX. She asked them to see if she would qualify for a loan from XXXX XXXX XXXX. Then decided against having the procedure. Her XXXX, XXXX XXXX cancelled the request for a loan. They have sent me the documentation stating that the loan was cancelled and no monies were ever received. Never did I agree or sign anything as a co-signer to this loan but Cambece Law firm continues to harrass me while ignoring my documentation from the XXXX office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, 2016, I accepted an offer online from Capital One to get a balance transfer for zero points and my regular rate of interest. I requested Capital One, account ending in XXXX, send {$6300.00} to our XXXX Cash Rewards Card ending in XXXX. I received an email stating that it was sent the next day, XXXX XXXX. Today, I called CapitalOne to see why the amount had not yet been credited to our XXXX credit card account and was told that Capital One does not accept electronic transfers of this nature, but only accepts a paper check, so the initial attempt by Capital One was not successful. At that time, a paper transaction was made. The banks both state that it sometimes takes up to 10-12 days to complete the transaction. During this time, the customer incurs 16.1 % on the balance transferred. In addition, the customer is paying interest to XXXX Bank for the amount on the card, or 17.1 %. So, together, the customer is paying 33.2 % on this amount of {$6300.00}, for maybe 12 days, amounting to {$69.00} which is borne by the lowly customer. I am sure I am not the only person that is in this situation, so I can see how this could be a very profitable situation for the banks. I realize that the customer should pay the originating loan interest up to the time the amount is transacted into the receiving bank. But, this situation is obviously one where banks are taking advantage of customers. Please investigate this practice to determine why this practice is allowed to exist in which the customer/consumer is obviously being " robbed '' by the banks and credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I am requesting to file a formal complaint conserning my mortgage with Chase. 
In XX/XX/XXXX I filed a Chapter XXXX, payments started in XX/XX/XXXX the bankruptcy was approved in XX/XX/XXXX. Part of the chapter XXXX was that my mortgage would be paid In full and that chase would release the lean to my residence. 
XXXX XXXX all payments were completed for the chapter XXXX and discharged by the court. 
Since that time I have recieved several documents from Chase stating that I still owe a significant amount of money and the balance was different in each statement. 
While examining the document sent to me dated XXXX/XXXX/XXXX I noticed some strange calculations. 
Starting Date XXXX/XXXX/XXXX : Corporate advance Fee paid. {$4400.00} recieved. 
Unapplied funds {$5400.00} XXXX/XXXX/XXXX XXXX {$990.00} recieved Also XXXX/XXXX/XXXX Corporate advance fee {$480.00}. 
XXXX/XXXX/XXXX payment {$340.00} ( principal ) {$66.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX unapplied cash {$4400.00} XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$64.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$68.00} ( interest XXXX {$80.00} ( escrow ) I had also noticed an escrow overage also. 
As I was concerned about the a, pint of money that had been paid to a corporate advance fee, I called the number provided by Chase. I requested a detailed breakdown of the funds in question. 
On XXXX/XXXX/XXXX I recieved from chase a detailed breakdown of corporate advance fee. 
The breakdown was as follows : XXXX/XXXX/XXXX & XXXX cost of having a real estate broker determine value of property. 
XXXX/XXXX/XXXX {$10.00} cost of notice of sale that shows time of sale of the property. 
XXXX/XXXX/XXXX {$360.00} cost recovering a title guarantee at start of foreclosure. 
XXXX/XXXX/XXXX & XXXX cost of posting the notice of sale. 
XXXX/XXXX/XXXX {$320.00} cost of publishing the foreclosure in local paper. 
XXXX/XXXX/XXXX {$340.00} mailing cost incurred during the process. 
XXXX/XXXX/XXXX {$600.00} cost of providing by the trustee handeling the foreclosure. 
I was not aware of any of these issues and was already paying a chapter XXXX. None of the actions taken were legal. 
I also called Chase in refrence to the several notifications about delinquent payments and balances due. The chapter XXXX trustee had made all payments to chase per the court orders. 
When I called Chase I was told that I was 17 months behind delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Struggling to pay mortgage

Complaint: My issue is with Wells Fargo. They are refusing to consider any options to allow me to get back on track with my mortgage payments. I fell behind after over 10 years of on time payments due to major health issues that my wife has experienced the last few years. She was diagnosed with XXXX and then had XXXX XXXX issues which affected her XXXX and XXXX. This was exacerbated by issues from XXXX XXXX and blocked XXXX going to her XXXX. She was no longer able to work and the medical treatments were very expensive. I struggled for a long time but eventually became delinquent on my loan. I am on fixed income and could not take all of these unexpected expenses at once. I am XXXX military and on fixed income receiving SSI, military benefits and also a pension. Once I was able to get more stable on our expenses I reached out to Wells Fargo to see what could be done to resolve the missed payments. They first time I contacted them their agents stated that they would not negotiate with us, they would not consider any options, and that we had to wait two years in order to be considered for any assistance. They said the only way to fix this was to reinstate the loan XXXX about 4 months delinquent at that timesomething I could not do ). This was very frustratingWells Fargo received over {$30.00} XXXX in taxpayer bailout funds and they are required and obligated to conduct a review of our financial information to determine our eligibility for government, internal or GSE programs. Their stark refusal to even open a review is not only unethical and immoral but wrong. We are not asking for a handout, we just need a helping hand to get through this crisis. 

My most recent conversation with their agents was even more alarmingthey told me that since my loan was close to maturity that they could not negotiate or consider any type of workout option. Once again, this is not only unethical and immoral but it is wrong. My loan is amortized over 15 years and that makes my payment much higher. If Wells Fargo would change the amortization and increase the term this could be resolved. They could also recapitalize the late payments back into the balance. Or they could lower the current interest rate through modification. There are several options that Wells Fargo could consider and it is despicable that they turn their back on my family in our time of need. We paid as agreed on our first and second mortgage for well over 10 years, yet when we run into major health issues they turn their back and look to foreclose on us.

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 04-12-2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XX/XX/XXXX, I applied for and received a credit line for a company that I was employed by The company used the credit line after I left the company in XX/XX/XXXX. In XX/XX/XXXX, the company requested that I be removed from the account altogether and that another individual be added in my place. The company made this request in writing, pursuant to the instructions that accompanied the credit application. The bank did not remove me from the account, but did increase the companies credit limit in XX/XX/XXXX, using my credit score, and once the company started to miss payments, has pursued me personally for 100 % of the corporations debt, though they have written confirmation that I was not an employee of the company and that the company requested to remove me from the account in XX/XX/XXXX. I should have been removed from that account, and that account should have been closed, or remained open with the other individual 's credentials, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: filed a complaint with cfpb and against XXXX /transunion and a pay status was added to the account that this was a chargeoff account, this was never listed that way before, it was settled for less than amount owed but never charged off it should just say paid, XXXX was paid through XXXX also and they are reporting paid {$0.00} pay status current, on the XXXX account XXXX and XXXX is reporting paid {$0.00} pay status unknown and current, TransUnion is the only one reporting late payments when they were reporting after the account was paid. The pay status just needs to read current

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 07/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I set up for loan consolidation with Navient, I was in a repayment plan with the fl XXXX XXXX XXXX, because navient failed to give me the right information as well as fail on their end to get the payments for my loans to the XXXX XXXX XXXX my wages are being garnished and I am unable to change the status without paying to have this stopped. I am in extreme financial hardship because of the issue that navient is indicating they are unable to fix, when I did my part to enroll in the income driven repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Barclays said they were offering relief to people affected by Hurricane Harvey and were automatically applying a 60 day freeze on payments. I noticed that Barclays had not done this on my account because they had been calling to collect a payment during this time frame. I spoke to a supervisor and was told they 'd retroactively apply it to my account allowing me to essentially skip payments in XX/XX/XXXX and XX/XX/XXXX.  Yet they reported my account 30 days late, and keep harassing me to pay. I 'd like them to honor their agreement and I begin paying again here in 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 monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been filling out paperwork for the Income-Based Repayment plan for Navient for 3 years. The first year I had filed for an IBR XX/XX/XXXX the process was relative easy and they processed it quickly although I was forced to declared forbearance during the process twice. This past year for XX/XX/XXXX-XX/XX/XXXX was an absolute nightmare. They failed to process my paperwork for roughly 4 months straight. I called nearly everyday to speak to a supervisor and they would only put my loans on forbearance. Every time. I was told over and over again that the paperwork was received and was being processed and I kept asking them how does it take so long to process it if you have had it for months. I was finally able to speak with someone competent and he was able to put through the IBR for me by just changing something in the computer. 

I did not know we had the opportunity to send in a complaint to a higher order, had i known this would have been reported ASAP. I thought I was just at mercy to my loan servicer. 

If something can be done in regards to all the interest I accrued due to FORCED forbearance that would be greatly appreciated. If anything I would like this to act as a complaint to fix the issues with this servicer so other people do n't have this issue. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 'm writing to complain about the way Navient treated me and, ultimately, failed to inform me of my rights, when I called XX/XX/2015 to seek debt forgiveness on account of being unemployed. I lost my job XX/XX/2015, and I phoned Navient several times in an attempt to find out about delayed payment options and income-driven debt forgiveness. The operator initially directed me to a federal web site and refused to tell me about any delayed repayment options. I called back, spoke to another operator and only learned about delayed payment options after demanding to know my rights and insisting that such an option existed. I was told by the XXXX operators that Navient did n't offer any delayed payment options for my loans. That was a lie, clearly. 

In my conversations with the customer service agents at Navient, I repeatedly asked about any income-driven debt repayment program. I explained in detail that I was out of work, had a mortgage and was supporting my XXXX year old daughter. Navient 's agents insisted multiple times that there was no income-driven debt repayment program. I made several calls and talked to many agents. They only agreed to have my payments extended after I effectively pitched a fit on the phone. Then, did they say I could reduce my principal and interest payments. Navient caused me undue hardship and failed to offer me an income-driven debt repayment plan when I needed it most. I have gotten a job since then, but I was out of work for 14 months, and I could have benefited significantly from relief that was due me. My dealings with Navient were beyond unpleasant. I have never dealt with a company that refused to tell me my basic rights and obfuscated the truth from me. If I had not demanded repeatedly that they offer me a delayed payment plans, I would have not been able to meet my monthly payments, and my loan could have been thrown into default.

Company response to consumer: Closed with explanation