milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Money was not available when promised

Complaint: On XX/XX/2015 I made a payment of {$60.00} through MoneyGram to put on my XXXX for my cell phone bill. I have been with XXXX now for over 4 years and I never had any problems until now. However, money gram transferred the money to my XXXX account but, XXXX said that they did n't receive any funds. Soon as I loaded the money on the card I called my phone company to pay my bill and they said that it was declined. Now that is impossible because Money gram verified that they immediately released the funds to XXXX and now the card says declined. So I immediately called Customer Service for XXXX and they had me on hold for a little over an hour. So once I finally reach a representative to tell them my situation they instantly tell me the system is down and that they 're having technical difficulties and they wont be able to access any of my information. So every day I called them and the same thing kept happening, either no answer or the line goes busy and the phone shuts off. Finally I reached a XXXX representative exactly 1 month later on XXXX XXXX 2015, and she accessed my account and told me that she actually saw the transaction that was made on XXXX XXXX 2015, but she could n't provide anymore information because they were still having technical difficulties with their system. But however she assured me that within 3 business days my money would be back in my account, and now here it is XXXX XXXX 2015, and still nothing has changed my account is still empty. Could someone XXXX help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I opened up an account at Bank of America in XXXX 2013. That same day I asked about getting a {$100.00} loan to the bank teller. She takes me outside to the ATM machine and pressed the loan button and requested {$200.00}. I was trusting that she knew what she was doing, but a couple days later I found out my account was closed and I could n't use any bank anymore. You can see on camera that she was the one with me requesting the loan and she is shown on camera pressing the buttons a couple of times. I have no record, no fraud, I dont even owe any banks and I 've been with about XXXX diffrent banks before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OK).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Initially, I had a {$10000.00} credit line, which Juniper/Barclays kept raising due to my excellent credit history. At the time, my credit score was much lower. In the past 18 months, my credit score has gone up to over XXXX, and was XXXX, and yet, Juniper ( barclay ) Credit card has lowered my credit limit from {$10000.00} to {$8400.00}, and now it stands at {$4400.00}. I mean, I have not been late and have an excellent payment history with them and all other creditors on file in with the credit bureau. 
First, they had mentioned something about me having outstanding loans. Well, I paid the personal loan off a little earlier and my car will be paid off in 15 months. Despite this, they see fit to keep reducing my credit line. 
Personally, I feel it is discrimination. I had talked with them about a year ago, or so when they reduced my credit line to {$8400.00} ( from {$10000.00} ). I spoke with a XXXX  lady on the phone who was very rude and mean at the time. 
Reducing someone 's credit line, which puts them close to their limit is derogatory and goes against my credit score. So far they have reduced it by - {$5600.00}, I do not feel this is ethical, but discriminatory. Thanks for your time.

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 09/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I consolidated my loans with Fedloan Servicing and the monthly payments are too high. I have repeatedly contacted them about the issue and submitted documentation/request for a lower payment plan but have received no response from loan servicer. I am attempting to pay what I can afford monthly but since they have not responded to my request for a lower payment my account is delinquent.

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

Complaint: Many year back I consolidated my Federal Parent loans for my daughters with Navient or as it was then called XXXX XXXX. At the time XXXX XXXX advertised in their literature that if the consolidated loan payments were paid on time for a period of years ( I think the number of years was 5 but I am not absolutely sure that is the correct number ) my interest rate would be cut from 5 % to 4 % for the remainder of the loan. I have in fact complied with all their requirements, although I change the payment to an extended plan about 3 or 4 years ago ( well after the required 5 years they required when I consolidated ), but I have never received the reduction in the interest rate. 
At the same time I consolidated the loans I asked if all the other terms that I had under the " Direct Loan '' program were still in force and they replied " YES ''. However, I am now in doubt, can you confirm that is true? Three of my main concerns with regard to this are : 1. Upon my death and the presentation of a death certificate to Navient are the remainder of the unpaid consolidated loans considered paid, i.e. wiped out? 
2. Are my surviving relations i.e. : my wife, or children in anyway responsible for the remaining balance? 
3. Is there a maximum length of time when the consolidated loan expires ( if payment has been made consistently ), I am under the impression that happens after 10 years?

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Credit determination

Complaint: I am very mad due to me application for the PayPal mastercard with synchrony bank being declined due to not verifying identity when I did verify my identity SUCCESFULLY ( exact word of the customer service rep doing the verification ) With them the day I applied and now I receive a letter in the mail saying I was declined for not being able to verify identity. 

When I call now I am getting different answers and no one has any clue what I 'm talking about I have already taken a hard credit inquiry for the application and should have been approved but because they ca n't figure out how to verify my identity and have very many untrained customer service agents that will not assist. 

I have tried speaking to manager and am being told that someone messed up on the verification process but they ca n't fix there mistake so I 'm the one that has to deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Student loan (Private student loan) with AES/PHEAA (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I can not understand why I have to pay American Education Services {$17000.00} for  XXXX  {$3100.00} private student loans. I pay {$81.00} a month, and the balance keeps increasing. I am on  XXXX  and just received a notice from AES that the interest rate has changed, therefore the payment willl increase from {$81.00} per month to {$83.00} and that when the lo an ( s ) is  paid in full, I would have paid almost {$17000.00}. Is this a payday loan?

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: WFB used incorrect and outdated income figure to calculate loan modification, only reducing my mortgage by {$120.00}, which is put on back end of the loan, due when loan is paid in full. I wrote and spoke to them during Trial Period, disputing NPV input with income documentation. I was not informed of my right to deny loan and re-apply using corrected income. WFB representative treated me as though I were in the welfare line and should be happy to receive their help. I stopped paying my mortgage, taking advise, that more government help available for those behind than those that our current. I have applied for reconsideration, wrote many letters requesting they reduce my interest rate to 2 % from it 's current 4.25 %, which is the same interest rate I had on previous loan. Unfortunately my income has been reduced so much this year that I can not qualify for any help nor can I keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (MA).
Issue: Trouble during payment process

Complaint: I have contact Amerihome on numerous of occasions & still no resolution. Since, Amerihome is not processing payments properly, they have now reported to the Credit Bureaus as late. By Amerihome, doing so this is affecting my XXXX XXXX and I can not obtain certain service to maintain the home. Failure is on Amerihomes part for not properly responding to letters, faxes, e-mails, calls, not properly researching the account when requested, failure to properly process payments, Customer Service & other depts. failure to provide an explanation, dept refers to contact another dept or send in a fax and failure of properly assure correspondence is received in a timely manner ( i.e. sending out days/weeks later of the letter dates, mail never received on important matters, etc. ). 

Since there is quite of bit of correspondence, I either email, fax or XXXX priority mail to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Struggling to pay mortgage

Complaint: I 'm making payments to bring my account current, I reviewed the my account on line to verify that there 's a XXXX balance on my account. I asked what this balance represented and it was explained that this was due to sending someone to verify that I live at my property? In awe I said excuse me! The person indicated that we tried to contact you unsuccessfully and we sent someone to make sure you lived at the address. I said and how did you do that when since I 've purchase this home no one has ever come here to verify that I live here so how did you do it? she placed me on hold and came back a few moments later and said it 's a maintenance fee? I said maintenance of what she said whenever your mortgage payment is late we send someone to ensure you live there, again how did you verify this? This is a not so clever way to charge me a late fee even after incurring a late fee for paying my payment late yet your calling it something else! I want this charge removed from my account and it should be reviewed as fraudulent practices because it was never verified that I did live here other than the fact that I submit my mortgage payments, and I speak or have spoken with someone in this company at least once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I worked with a HUD certified counseling agency ( XXXX of XXXX, CA ) to submit a complete loan modification application with supporting documents to the servicer of my mortgage, Caliber. But they went ahead and did a foreclosure sale anyway without ever giving me an answer about the modification. 

I was told by Caliber representative XXXX XXXX that there was time to stop the foreclosure sale if I got my information to them to apply for a modification. I did get the information in. I spent a lot of money on faxes to the counseling agency ( XXXX ) and on faxes directly to Caliber. 

Caliber confirmed to XXXX that my application was received. I tried to also follow up on the phone but I could n't get any information. I called at least three times just to check on the status of my application, but the person assigned to my case, XXXX XXXX, was never available. Caliber reps I spoke to said they would give a message to her, but I never got a call back. 

Caliber never told me or the XXXX counselor assisting me that anything more was needed. But they foreclosed on XXXX XXXX, 2016. 

Then AFTER the foreclosure I got a letter saying there were missing documents. That letter was dated XXXX XXXX, 2016 but the date from the postage meter stamp says XXXX XXXX and the postmark says XXXX XXXX. 

I am also concerned that Caliber representative XXXX XXXX discouraged me from using the HUD certified counseling agency that I was then working with and encouraged me to just work directly with her instead. Later on a different phone call I mentioned XXXX to a different Caliber representative. That representative responded by saying Caliber does not deal with third parties. 

Finally, I believe FHA mortgages I was supposed to be given a chance to have an in person meeting to work out a modification or payment plan or avoid foreclosure some other way. It was extremely difficult to work with all the different banks and servicers involved, so an in person meeting would have helped a lot. But I did not have that chance. 

After I lost my wife and fell behind on the mortgage, I heard about the Making Home Affordable program and I tried for a modification with XXXX XXXX XXXX. They kept telling me they got all my documents and were waiting for the underwriters to make a decision. Finally they told me that there was still no decision, but it had been so long waiting for the underwriters that my documents were too old. So I had to start all over with filling out an application and sending new documents. I did that at least three times and never got any decision about a modification. 

Then I started getting mail from Caliber, and I thought it was junk mail. I called XXXX XXXX XXXX and I was told they no longer serviced my loan. I had never been notified by XXXX XXXX XXXX or anyone else about a change in the owner or servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just one ). 

Negative reporting of not paying a debt which I paid to the wrong Bank of America account on their New Bank of America ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as XXXX XXXX formerly Bank of America. The consumer should have been informed it did n't belong in the paid up account known as the New Bank of America, former grantor Bank of America, and sent back to her timely. Instead it was wrongly transferred to XXXX XXXX after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: #NAME?

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 07/23/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe this company nothing and they keep harassing me and reporting items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted a dispute XX/XX/XXXX when I called transunion they said they got it and that it would be done XX/XX/XXXX. I call to check the status of it the man on the phone originally said that he dont see anything. I said thats not true I called last month and was told the XXXX and that I had read complaints that they do that. So I asked him to speak with his supervisor who sounded like the same person same accent. Now all of a sudden he see the information. I told him I have not got a debt validation from the collection place and that it was past the 30 days. I also contacted the people who said I owe them and they basically said that the people who worked there previously where gone and she could n't help me. Which really made me submit the dispute. Im like ok if you cant proviode me a detailed explanation of why i owe you then its not legit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have tried to removed several addresses from my credit report that are not deliverable by usps and are very old and have errors and are damaging damaging to credit file health. Experian has not remove one address at all.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I no longer have an account there and they still report me to credit bureaus negatively affecting my credit. Had an account only couple months and went with another company ... this has been years!

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (I do not know) with Ability Recovery Services, LLC (TN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: When requested validation of debt a rep by the name of XXXX XXXX screamed at the top of her lungs and told me to pay my bills after calling me XXXX I requested twice for debt to be validated still no response requested this within 30 days allowed. This company placed on my credit report without validating debt with me and also I stated I do not deal with third party collectors. They have still harassed me to the point I had to block their number. And mail a letter stating that if they continued to contact me I would file a complaint and or seek legal counsel. I do not owe this debt I advised original creditor to validate the debt and they refused to validate debt in writing.

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

Complaint: Due to Equifax 's failure to A. Protect my financial information and B. Fail to disclose their failure in a timely manner, according to their website I may have been affected by their data breach. I did have to close my bank account in XX/XX/XXXX as a result of unrecognized charges, and then proceeded to place a fraud alert on my credit information with Equifax. While I can not definitively point to their data breech being the cause of my bank account being compromised, had I been made aware of their failure, I could have taken protective measures much sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I had a   XXXX   XXXX   while I was under wage earner. The loan was with drive financial. The name changed to Santander through the courts. Case number   XXXX   XXXX  . These changes were made without my knowledge in  XXXX . My   XXXX   XXXX   was totaled on XX/XX/XXXX . I 've submitted the police report number. I just found a copy Of The credit report that I filed in  XXXX . I found the account number for Santander. I was discharged in  XXXX  from the above case number. When I learned that I am a victim of identity theft. I changed my name in probate court to reflect my maiden name, which is  XXXX . I kept my married name, it 's  XXXX . The   XXXX   Family have stolen my identity.

Company response to consumer: Closed with explanation