milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a recent college grad struggling to keep my head over water in student loan debt. I am on an income based repayment plan for my federal loans however, these payment plans do not take into account the amount of money I pay each month to private student loan debt. I pay & gt ; $ XXXXmonth JUST for my private debt, plus an additional {$210.00} for my student loan debt. I am barely making ends meet and I am offered no other options and told I may not qualify for income based plans again each year when I have to recertify. The fact there are no other options to help me lower my cost besides forbearance and deferment ( and the interest will just continue to accrue and ill be even more XXXX ) is just absurd. ALL payments made to student loan debt should be accounted for each month. Yes on an income based plan im only paying 10 % of my income to federal debt, but in REALITY the majority of my income goes towards student loan debt payments ( including private debt ) each month. Also my interest rates on my federal loans are high ( most ranging ~6.8 % ), which is just setting me up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with Midwest Recovery Systems (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never heard of Midwest Recovery. Last week, I saw XXXX collection accounts on my credit report ... XXXX for {$720.00} and XXXX for {$720.00}. I have NEVER had any dealings with these people, and they failed to provide me with the letter that is required by law before reporting to the credit bureaus - therefore denying me the right to 30 days to dispute the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Other bank product/service) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Account opening, closing, or management

Complaint: I did a VA Refinance by XXXX - a California Corporation on XXXX. By XXXX, the mortgage was sold by XXXX to PennyMac - ( PennyMac loan number XXXX ). My first payment to PennyMac was on XX/XX/XXXX. XXXX Mortgage and PennyMac required that my Hazard Insurance and Property Taxes be paid through an escrow account. My payments were all made on time and included the requested escrow account amounts. However, PennyMac ( XXXX ) did not pay my Hazard Insurance with XXXX. By the time I saw correspondence related to this issue, I could no longer reinstate my cancelled insurance policy and was forced to re-apply for a modified policy ( some policy provisions were no longer available ). Upon the initiation of a new policy, it was paid by the PennyMac escrow and I was assured that an accounting would be done and I would receive a refund as appropriate. The amounts due, from XXXX perspective, were not paid for the period of XXXX until the policy was cancelled on XX/XX/2016. The new policy was in force on XX/XX/XXXX, leaving a period of XXXX and XXXX wherein my house was not covered by Hazard Insurance. 
I have needed, so far, to spend over 10 hours of my time on hold or speaking with someone at XXXX Mortgage, PennyMac, XXXX, and the XXXX collection agency - XXXX. The problems that I can not get resolved are as follows : 1 ) get PennyMac to pay the currently due amount of {$300.00} for the collection account with XXXX XXXX XXXX for the period they failed to pay for Farmers Hazard Insurance policy ( XXXX through XX/XX/XXXX ). A " supervisor '', XXXX, did call and leave a message that there was no money due from XXXX the bill was probably a " scam ''. So, I called her back and left a message explaining that she probably inquired about the current policy number which is paid - not the policy that was cancelled due to the failure of PennyMac to make the required XXXX payments ( the policy numbers are cancelled=XXXX, new=XXXX ). 2 ) I received a demand notice from PennyMac for {$19.00} to cover the XX/XX/XXXX to XX/XX/XXXX period because I did not provide " proof of coverage '' - which is ridiculous since they are the cause of the problem, and 3 ) be paid the remainder of the refund I should receive since there was a two-month period with no Hazard Insurance coverage ( it should be about {$100.00} ). I did receive a check in the amount of {$87.00}, which is less than one month of the cost of the prior cancelled policy. 
This problem has been going on for more than a month. I own and run a small business and should not have to waste over 10 hours of my time resolving a problem that was caused by PennyMac and/or XXXX Mortgage. When I first looked at my PennyMac Escrow and Hazard Insurance information online, it had the correct old policy number and annual amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX my XXXX yo son made a purchase at the local grocery store and withdrew money from the self serve check out. He missed place his card in between the store and home, only to discover that on Monday XX/XX/XXXX that a check for {$8700.00} was deposited by ATM with XXXX XXXX  into his checking account and several withdrawals of his own personal money from a second checking account was transferred in the initial checking account where the bogus check was deposited. We live in the state of GA and there's NOT a USAA branch in our state to make check deposits except by mobile banking. 
Because my son account in the past was a joint account underneath mine, he is now XXXX but his account as well as both my checking and saving account has been frozen. I have filed a police report with the local authorities and is waiting for the police report. But I have uploaded a copy of my case number from the police to my USAA profile. 
I have reached out to USAA on several attempts to get updates in the investigation only to be told that IF I pay the outstanding fee of {$260.00} for the overdraft on my son 's account of the return check ( bonus check ) that was deposited AND the charges from the transactions that my son made prior to the check being deposited, would then OUR accounts be accessible. 
Now, prior to the check being deposited into my son 's account, my son had funds well over {$800.00} in his accounts MONTHS ago, as well the recent deposit of his payroll check of {$230.00}. So had that bogus check NEVER been deposited into his account, ALL of his transactions would have been cleared. 
So I refuse THEN as I do NOW, to be STRONG ARMED into paying for a debt that HE/I owe to release our funds. WHEN DID WE BECAME A THIRD WORLD COUNTRY TO START USING THESE PRACTICES???? 
WE BOTH have financial obligations that requires the use of OUR FUNDS NOW!!!! So please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Deposits and withdrawals

Complaint: ALWAY UNAUTHORIZED TRANSACTION AND BEING ALLOW TO WITHDRAW FROM MY ACCOUNT AND CREDIT BEING APPLY TO CLOSE AND FRAUD ACCOUNTS AND STATE THE NAVY FEDERAL CREDIT UNION POLICY AND PROCEDURE STATES THAT ALL CREDITS SHOULD BE APPLY BACK INTO THE FRAUD THAT CLOSE AND THE MAKE CHANGES TO MY ACCOUNT WITHOUT NOTIFICATION AND MY ACCOUNT IS OVERDRAWN LEAVING RESPONSIBLE TO NEGATIVE AMOUNT. PLEASE SEE BELOW THE ACCOUNT TRANSACTION AND INVESTIGATE THE ALL PRODUCTS AND SERVICESXXXX : XXXXLast signed on XXXX/XXXX/2015 My Settings Mobile Help CalculatorAccount SummaryTransferseDepositsBill PaySpendingAccount ServicesEveryDay Checking - XXXXPrintEDIT ACCOUNTSAvailable Balance $ XXXXCurrent Balance - $ XXXXLast Statement BalanceEnding XXXX/XXXX/2015 | Suppress Paper Statements - $ XXXXAdditional Account Information Scheduled TransactionsDate Description AmountThere are no transactions to display. 
Transaction History Download TransactionsAllSelect RangeDate Description Check # Type Amount BalancePending Transfer To Other Debit - {$120.00} $ XXXXPending Adjustment Credit {$530.00} $ XXXXXX/XX/2015 Adjustment - Cr Credit {$60.00} - $ XXXXXX/XX/2015 Adjustment - Cr Credit {$29.00} - $ XXXXXX/XX/2015 Insufficient Funds Debit - {$29.00} - $ XXXXXX/XX/2015 POS Adjustment - XXXX XXXX XXXX CT Credit {$19.00} - XXXX XXXXXX/XX/2015 Dividend Credit {$0.00} - $ XXXXXX/XX/2015 Overdraft Protection Fee Debit - {$60.00} - $ XXXXXX/XX/XXXX ACH Transaction - PUBLIC SERVICE XXXX ACH Debit - {$150.00} - $ XXXXXX/XX/2015 POS Debit - XXXX Check Card XXXX XXXX XXXX*NEW BALANCE XXXX XXXX XXXX - {$140.00} - $ XXXXXX/XX/2015 XXXX XXXX - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX - {$35.00} - $ XXXXXX/XX/2015 ACH Transaction - XXXX XXXX ACH Debit - {$530.00} - {$92.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CT).
Issue: Trouble during payment process

Complaint: I submitted a request to my mortgage company, Freedom Mortgage, XXXX, TX. That request was submitted on XX/XX/XXXX and I asked that they pay my property taxes from escrow prior to XX/XX/XXXX. They never responded to that request which was sent via email and they confirmed receipt of that request. When I called Freedom to follow up, they explained that they could not pay my taxes prior to XX/XX/XXXX due to CFPB regulations ( that was statement was made within a recorded phone call with me ). I stated that this seemed very odd given that the property taxes were due prior to XX/XX/XXXX but 30 days of grace are provided for payment. I would like to know if CFPB does in fact have a policy that would disallow Freedom from fulfilling my request. If a CFPD policy to this effect does not exist, I would like to file a complaint against Freedom for deceptive and misleading practices. Thank you for your assistance.

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 11/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland XXXX has called twice regarding XXXX card. Claiming we are behind. I have called XXXX, we are not behind. The address Midland sends the delinquent notices to is not our address, nor have we ever lived there. Midland tried to get acct # and SS #, we did not give them any info. The first time they called, the caller was very rude and pushy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with A & E Futures LLC (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX is trying to collect a debt they bought from XXXX XXXX. XXXX XXXX XXXX is not licensed to operate in Arkansas. This company does not have a license to collect on debt in Arkansas. I wrote a letter to XXXX XXXX XXXX asking them to remove this account from my credit report and they sent me the attached letter. Please Help get this account removed from all three credit bureaus. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with Ocwen currently but they just sold it to a debt collector. I am still in Chapter XXXX bankruptcy which is in good standing and was started XX/XX/XXXX. The chapter XXXX is paying back the pre petition payments and I also had 4 months of post potition payments due. To cure the XXXX months of post petition I mailed a check for the amount of {$5000.00}. This cured all post petitton requirements. This payment was made and logged by Ocwen on my XX/XX/XXXX tax forms on XX/XX/XXXX. On XX/XX/XXXX Ocwen then reversed the charge with no reason. When I called they said that they will not count this payment till the chapter XXXX bankruptcy has been finalized so they are reflecting my payments as being 4 months behind currently. They just sold the debt off to a debt collector agency who is asking that I cure the {$5000.00} plus penalties as Ocwen has not sent them record of the payment. When I checked into this with Ocwen they informed me that they have decided to retain this payment as a fee and not reflect it onto my account. They said that per the bankruptcy guidelines they are allowed to do this. When I checked with my lawyer he said that is not legal and they would have had to keep the funds in an escrow account if they decided not to post it which must be interest bearing. Ocwen informed me that they have not done this. 

Now the new company that was sold the mortgage wants me to cure the 4 months as well and when requested for Ocwen to refund the moneys they do not respond. 
I have been trying to correct this with Ocwen for years and I have a list of letters from them XXXX even stating that they corrected the issue and brought the account current but then they went back and pushed me back XXXX months again after sending the letter with no explanation. 
My loan number is XXXXUnfortunately I am now at a point where communication with Ocwen is not yielding any results and I either need my payment applied to my account or a refund plus interest so that I can cure the amount with the new mortgage holder

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I 've had this card for quite some time and until recently hide always received an email notification telling me that my bill was due I could login to my account online and pay my bill and have always paid my bill on time I have perfect credit there is not a late payment anywhere on my credit report abou t two m onths ago for some reason I never received a notification from this Bank I checked my spam folder I thought maybe for some reason they had mailed a bill but they claim they did n't mail anything to me there was no notification at all and they charged me a late fee I told them I received every other email that I 'm supposed to receive this is the o nly one and as k them to check into it now 2 months later this is happened again they 're not sending me notifications and then they 're turning around and charging late fees it 's not my fault they did n't have their it Department fix this 2 months ago whenever I told them about it and now they 're trying to take advantage of their customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2016 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (AL).
Issue: Problems when you are unable to pay

Complaint: I was laid off this past summer and went and told this loan company this information. The very first thing the manager did was to look and see what I could sell to pay the loan payment that was not overdue. I continued to pay through the fall as I got severance pay. When the severance pay exhausted and all I had was unemployment and could not pay the XX/XX/XXXX payment the manager said that I could come in and rewrite the loan then I would n't be due again until XX/XX/XXXX. I was looking for work and had been since I was laid off, with no luck. I could not pay the XX/XX/XXXX payment so the loan company started calling me, my dad, my sister, my daughter in law, etc. I had already told them I could not pay the payment as I had not landed a job yet. When they called my sister she was in the hospital on oxygen and a bipap machine. She told them she was in the hospital, yet asked her to leave me a message. I called the loan company and let them know that they were not ever to call my sister again. My sisters doctor told her she may not live long and I was enraged that people would do things as that. Since then the loan company has called me every day. Called my daughter In law that is XXXX, called my Dad and his wife that are also disabled. Then the loan company decided to leave letters at my address a few times, Then they called a seasonal job I got XX/XX/XXXX to verify my employment with a co-worker and told her to give me a message. Then the loan company had someone go to my job and told my co worker that she needed to ask me a question, posing as a client. Then they called the call center and got the extention to where I was. I could not talk with them because I was with a real client. Today they had a police officer from the sheriffs department bring a tag at my work that said I was to pick up a claim at the sheriffs office. When I went to see what this was about the loan company had papers to sue me for the total amount of the loan and had 14 days to answer this claim. I do not have funds at all and the loan company knows of my situation. This has caused stress to my family and work, not to mention stressful to me as well. It has been nothing but pure harassment since after XXXX. I have had this loan for 3 years and rewrote the loan several times and have paid my payments on time until I got laid off and severance pay ended. I have only gotton paid twice since I have had this seasonal job so far and am paying on rent and electricity. I am also trying to find a full time permanent position. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Account ending XXXX.. Company charged late fees and finance charges totaling {$92.00}. Did not receive statement in time. Once received statement, the account was paid in full immediately over the phone. Contacted company and informed them the balance is in dispute, but they continue to charge late fees and interest on top of preveously charged late fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Using a debit or ATM card

Complaint: Purchased online dating service XXXX XXXX XXXX was overcharged for the database and did not have the database I was looking for was charged {$8500.00} and they would not send an email to the XXXX to ask someone to join the club that I was interested in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While trying to access my Experian credit report, during the process to access my report, it asked " You have recently ( 2012 gotten a home loan or something to the effect of having a mortgage ). I live in a XXXX bedroom apartment that my mother helps me pay for. I have no credit accounts or loans from ANY company, just a debt that I owe to my mother that I am using my social security payments to help me repay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Consumer Loan (Installment loan) with DISCOVER BANK (MS).
Issue: Managing the loan or lease

Complaint: I was approved for a deferment on my loan with Discover Personal Loans in XXXX 2016. The terms of the agreement was that my XXXX 2016 payment would be deferred and that after I make my payments for XXXX.-XXXX on time each month, my account would be brought current. I paid those months on time and all of my subsequent payments have been made but the company has been harassing me every month since the agreement was made. They call me, email me, and send letters and I always speak to them and explain my account. After they look into their records they apologize for contacting me and promise that my account will be corrected but as of today it is still not brought current. I am fed up with this company and their lack of integrity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On or about X/XX/17, I was contacted by Discover regarding a credit card account opened in my name. I advised that that I had never opened such an account and verified my personal information. They indicated that they would open an investigation into the matter. I received a notification from them dated X/X/17 that they had completed their investigation and determined that no fraud had taken place and that they were opening a new account in my name and would be sending me statements, and that I would be responsible for approximately $ 9k+ in charges. <P/>On X/XX/17, I contacted the credit reporting agencies to advise them of the identity theft and to determine if other accounts had recently been opened in my name and found that there had been, with XXXX XXXX, XXXX, and XXXX XXXX XXXX. In contacts with the aforementioned creditors, they were far more helpful and immediately closed the fraudulent accounts and absolved me of any responsibility for repaying any of the fraudulent charges. <P/>On X/XX/17, I contacted my local police department, who assigned a case number and opened an investigation. All of the aforementioned creditors, including Discover, were provided with the police department case number and contact information. This information has also been provided to the credit reporting agencies. <P/>In the meantime, I just got an email advising me " my '' new card was being sent to me. I continue to get collection calls from Discover ; each time I respond to them advising them that I never opened an account with them. I then get transferred to their " fraud '' department, and each time the tell me that I am liable for charges associated with the fraudulent account. <P/>It should be noted that I have never received a credit card or any statements from the aforementioned credit providers at my physical address. Correspondence from Discover was mailed to that address only after they found my real phone number and called me about the account and I provided them with the correct physical address. Upon contacting the other creditors, it was also determined that they too had been provided fake email addresses and phone numbers.

Company response to consumer: Closed with explanation