milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was able to lower my monthly payments based on my income. They payments have more than tripled without notice and I am struggling to pay the loan. Additionally, I was charged late fees that do not bear a relationship to the actual costs incurred by XXXX or Navient in processing the missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Bank account or service (Checking account) with COMMERCE BANK (KS).
Issue: Problems caused by my funds being low

Complaint: I do n't understand how my bank calculates low-balances. In XX/XX/XXXX, Commerce Bank in XXXX, Kansas took a third of my paycheck based upon " low balance. '' They do this every couple of months or so. This last time they charged me XXXX separate fees of {$36.00} each for a " low-balance ''. My balance never went below XXXX, and when I went back through the account to try to understand their math. I noticed that the " payable balance '' on any given date sometimes had holds based upon transactions that actually occurred one or more days AFTER the transaction that generated the running balance. I also noticed that some transactions that were shown as " holds '' never got paid. For example, there was a transaction for {$8.00} that appeared on a list of holds that was used by the bank to lower my payable balance and levy overdraft fees, but that amount never ended up coming out of my account. It just disappeared.When I tried to go back and find these items later, they had disappeared or the dates made sense. But I KNEW I had not imagined it. This month I have been keeping an eye out and I today I see an example. This XXXX is for XXXX. I got paid on XX/XX/XXXX. They always do this just before I 'm about to get paid. I 've attached XXXX files. XXXX shows a Running Balance for XXXX and XXXX shows the Payable Balance for XX/XX/2017 that you can get to by clicking on that Running Balance. The running balance for XX/XX/2017 shows XXXX holds. XXXX of holds is for {$6.00} and shows a transaction date of XX/XX/2017 but the actual transaction did not occur until the next day, XX/XX/XXXX. On the holds page the transaction date is shown as XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. Can someone explain why it is dated XX/XX/XXXX on the payable balance page? What does the transaction date refer to in this context? Clearly it does not mean the date that the held transaction took place. Can someone explain to me what is going on here? How is it legal for the bank to jump forward and backward in time this way? And what about transactions that lower my payable balance such that I have to pay a fee, but then the transactions never actually get paid? Why do some transactions just disappear? I just want to understand the math here. Remember -- they are doing this to me without my bank balance ever going below XXXX. Without a better understanding I ca n't see how I can use this banks debit card, and without the debit card, why use this bank at all?

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Managing the loan or lease

Complaint: The interest rate is almost 30 % I will never pay anything towards the principal. My payments are monthly and they will always go to Interest. It 's suppose to be a place to help me get out of debt now I 'm in further debt because I ca n't pay this loan off because of the obsurd Interest rates. It 's not a company that wants to help it 's a company that just keeps offering to loan you more money every month to keep you in debt!

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I graduated in XXXX. I started college in XXXX in which I took out a XXXX XXXX loan then switched to navient. After 3 years of graduating out of no where they uped my monthly payment TWICE as much. I was paying {$170.00} and bam out of no where {$500.00}. I called to lower my payment and instead of working with me on a plan, they told me I could pay {$200.00} each month but in 2 years I then would be paying {$400.00} and in 5 {$700.00}. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with MCLEAN MORTGAGE CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: On recommendation of my realtor, my wife and I approached McLean Mortgage Corporation based in XXXX, VA, and loan officer XXXX XXXX, in XXXX Virginia, about obtaining a preliminary estimate ( Loan Scenario Worksheet ) for a lot/construction loan for a potential future purchase. 
Our initial conference call was on XXXX/XXXX/15. No specific land or dwelling was specified, and we did not formally apply for a loan, nor did we sign any documents with McLean. On this call, I clearly stated, as my wife can verify, this was to understand estimates for closing costs, and NO credit report should be pulled, as it could impact our credit score adversely if we went with another lender. 
In a subsequent face-to-face meeting on XXXX, XXXX XXXX admitted she HAD pulled our credit, without written, email or verbal approval. Subsequently, we determined we were not going to pursue new construction at this time. Unannounced, I was very disturbed by a letter from McLean in the mail XXXX/XXXX/15 titled " Statement of Credit Denial '' with a loan number for purchase of property NA. Since we did not formally apply for a loan, there should not have been any loan tracking number, amount or interest rate!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Unsolicited issuance of credit card

Complaint: I used to have a XXXX credit card from XXXX membership. Back in XXXX XXXX ended its contract with XXXX and transferred all the accounts to City Bank Visa. I received a letter form XXXX stating that all charges put on the XXXX card after XXXX, they would n't be able to generate a bill, as the billing would be transferred to City bank visa card. I had paid the XXXX XXXX to install a new unit in my home and called the owner explaining the situation and he agreed that I could dispute the charge with XXXX and pay him again with City bank card. XXXX took the money back from the merchant and sent me a letter. I paid the XXXX XXXX again with city bank Visa and did a balance transfer on XXXX/XXXX/16 paying off my balance with City visa. so I had XXXX XXXX XXXX XXXX balance with City Bank Visa. 
Soon enough I received a letter XXXX from Citybank Visa stating that I had a positive balance in my account. I told them to send me my money back, and gave them my routing number, " because it was faster '', as I had paid them already. I told them this was the money from the merchant that had provided me services. They also disputed the charges with the merchant ( now for the second time, after XXXX did it ), taking the money away from him, and messing up his account and reputation with his third party credit account charging. I called multiple times requesting these incompetent people to send me my money back XXXX XXXX, XXXX, XXXX, XXXX and XXXX ). They never called me asking questions about what happened and why the XXXX had dispute the charges. But they credited my account with {$4500.00}, so I can spend all this money on them. How wise! Instead, the fools call me asking you if I am satisfied with their services. Totally waste of time as they do n't provide any services to their customers. Until up to this date, they have not sent my money back, I provided information about my account XXXX different times and nothing happens. 
Since the beginning this city bank has been a real mess with the majority of the customers they took XXXX. There is no customer services 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 monetary relief
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This account does not belong to me and Equifax continues to report this fradulent Collections account on my credit file, even though i had provided multiple evidences of these agency 's violation of both the FCRA and FDCPA. and Equifax couldnt provide what proofs and evidences the collection agency provided. Continuing to report invalidated debt or fradulent collections is a violation of the FCRA and FDCPA. I have forwarded all my evidences of Equifax violations of the FCRA and Maryland consumer laws to the Maryland XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: In XXXX of 2015 I bought receivers from XXXX using capital-one Credit card for {$1600.00}. The purchase was made through paypal, and the merchant and I contacted through XXXX messaging. The merchant however never sent in my full order and the order that did come in was n't as promised/advertised ( the merchandise was not only fake, but did not work ). I talked to the merchant, and they denied to refund my money. So I took it up with capital one bank, thinking they would listen to their customers. I have sent in pictures, proof of purchase, a statement explaining the situation, and overall it has been a very lengthy process, and I still have not received my refund over the time frame of almost 5 months. I find it ridiculous that I am being penalized by my credit card company for a faulty and fake transaction. I sent in everything that they requested me to send to resolve this problem, but Capital One Bank is only doing things in the merchant 's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My credit is inaccessible to the mortgage company. I did not freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Commonwealth financial is not at all professional and are harassing in violation. 

This debt was discharged as being invalid on at least one bureau and is under investigation as well. I am being harassed when I have requested not to be contacted. Additionally the number they are calling is not my own and the owner has requested no further communication yet the representatives antagonize her, make odd statements in singsong voices and continue to call and harass, even outside of allowed hours. This number should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Prepaid card (Payroll card) with NETSPEND CORPORATION (IA).
Issue: Advertising, marketing or disclosures

Complaint: On XXXX XXXX, 2015, I received a prepaid XXXX Debit card from a company named NetSpend. I have notified Iowa 's Attorney General 's Office and NetSpend that I did not sign up for a this type of card. NetSpend sent an email back to me stating that they would remove my personal information and to cut up the card. I recently started looking at online surveys but have not received any funds or rewards. I am not sure if NetSpend received my information from a survey affiliate or my personal information was sold to a XXXX party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Medical) with Receivable Recovery Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have XXXX medical bills on my credit report that I have spoken to a representative about that I should not be charged for and she said it should be removed within 30 days after I provided the needed documents such as copies of my insurance cards and the bills are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted Stellar Recovery Inc about this account that was sent to them by XXXX at XXXX. Stellar Recovery told me that the account is no longer with them and that I should contact XXXX XXXX. I contacted XXXX XXXX at XXXX and they told me the account is no longer active and they ca n't do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WY).
Issue: Loan servicing, payments, escrow account

Complaint: Refinanced a loan with Freedom Mortgage approximately 5 months after buying our home. We got a letter from them stating we were eligible for a VA Streamlined refinance that would not extend the term of the loan, as well as " no out-of pocket closing costs ''. An estimated closing date for the refinance was XX/XX/XXXX. We mailed a partial unapplied payment of {$530.00} just in case we did not close on XX/XX/XXXX and would have to make a payment on XX/XX/XXXX. Called and spoke with customer service to see if closing date was firm, it was, and then asked if our balance sitting in unapplied funds of {$530.00} would be applied towards our new loan. She said yes. None of these events actually transpired. Our original maturity date of XX/XX/XXXX changed to XX/XX/XXXX. Our {$530.00} was incorrectly applied to our old, now paid off loan. We have spoken to employes in customer service two more times about getting the {$530.00} applied towards new loan and were told it would be taken care of. Still has not been corrected as of today, 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 explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.

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 05-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I previously have written to complain that  Wells Fargo  opened accounts without my consent. the company wrote me a letter with a contact person and phone. I called the person  XXXX  times and left messages but they never returned the call. I never received any sort of legal notice of the class action of which I should have been a party.

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 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: account is not mine..

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 08/17/2016 about Debt collection (Medical) with Adler Wallach & Associates, Inc. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: this is bill that originated after I went to the hospital ( which I was instructed by the VA to go to the nearest emergency room ). this was not a VA facility but like I said they instructed me to go.the VA has paid all of the other outstanding bills of this hospital dating back to XXXX/XXXX/2015 excluding this one bill. 
The reason the VA had not paid this certain bill is because they said that XXXX XXXX XXXX XXXX had not sent the necessary medical files. I have since been in contact with the VA and this company and now the VA has the correct paperwork and now it is back up for review and it should be paid within 60 days. but in the meantime this bill has been turned over to the collection agency and I have told them the situation and asked for a consideration to reset the time and they have refused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: I had someone buy a tee shirt from my shop in XXXX. The shirt she wanted was backordered. She filed a dispute with PayPal on XXXX stating that she had not received her item. They emailed me stating that I should communicate with the customer about the status of the item. I emailed her on XXXX stating that the item had been back ordered and that I had followed up with the merchant to put a rush on it. Paypal sent me a dispute resolution link to provide them with tracking information, proof that I had refunded the customer or proof that the customer had received the item. Those are the only XXXX options on this page. There was no tracking information at that time because it was back ordered. PayPal closed the case and told me that when the case was close I might not get my money back even though I could now provide them with the information they needed. 

The customer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX United States XXXX XXXXXXXXXXXX her transaction amount was XXXX paid to my PayPal account XXXXXXXXXXXX on XXXX/XXXX/2015 and refunded to her by PayPal on XXXX/XXXX/15. The tracking number for her shirt is XXXX via at USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2015 about Consumer Loan (Pawn loan) with TMX Finance LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: In XX/XX/XXXX, I borrowed {$2000.00} from TITLEMAX of Ga. 
I made payments as agreed and sometimes more to bring down capital. I have been making payments for 3years totalling over {$12000.00} on a {$2000.00} loan. XX/XX/XXXX the car brokedown and is not drivable and too expensive for me to fix. 
FIRST OFFER i made. I gave Titlemax the address where the car was located and advised them to go pick it up in lieu of anymore payments and closeout my account. They never picked up the car. Instaed, they kept calling me and demanding payments. I made futher payments. 
SECOND OFFER i made. On XX/XX/XXXX, I made a payment to Titlemax and I ALSO OFFERED THEM {$1000.00} as full payment to closeout and settle the account in FULL. I had a friend who was willing to loan me the {$1000.00}. I presented this offer to XXXX, the manager at the XXXX store, who promptly sent email of my offer to his boss immediately. He promised me it will only take 2days to get a decission. I made it clear that I could no longer afford monthly payments and the payment was my last and my offer was final. I had been making payments since XX/XX/XXXX totalling over {$12000.00} and can not make anymore. 
It 's been 2months and Titlemax has yet to accept my offer. Instaed, they keep calling me demanding a payment of almost {$3000.00}, which I can not afford. 
THEY HAVE BEEN VERY UNFAIR AND VERY GREEDY AND IMPOSSIBLE TO DEAL WITH. 
My offer is fair considering ALL THE MONEY THEY MADE FROM ME ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a mortgage modification with Seterus because I 'm currently XXXX delinquent. Seterus is proposing a 40 year term to modify my mortgage for that small amount when I currently have less than 16 years left now. The modification include illegal fees and charges. This company takes advantage of the difficult times people are having and force them into terms that are probably illegal but benefits the company greater. This company needs to be investigated and the responsible people should be charged and jailed to the max.

Company response to consumer: Closed with explanation