milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am unable to pay on my private student loans under the circumstances that I have recently separated from my spouse and now I am taking on more responsibilities as far as carrying on more bills on my own including my XXXX minor children. I was recently in the repayment program but was dropped automatically as soon as I told my loan service provider that I am unable to make any payments at the moment. They told me I have exhausted my deferment and forbearance options and they are unwilling to work with me, stating that I am still responsible for paying a minimum of over $ XXXX monthly. My loans will go into default which in turn can destroy my credit and score. I would like something to be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (Credit card) with The Moore Law Group (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received Declaration from The Moore Law Group in XXXX. If I fail to pay the amount of XXXX will enter the judgement. I don't know what's that mean. First of all my XXXX debt was already removed from my credit report because it's a long time credit starts somewhere 2001. Please advised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX I received an alert that my XXXX XXXX XXXX XXXX was 30 days late. I 've verified with XXXX that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I noticed before XXXX, XX/XX/XXXX, that my ( approximate ) {$3000.00} Account Balance at WALMART was not decreasing, so began making larger-than-minimum payments of {$100.00}, so as to hopefully see a decrease of that debt.. Then, when I made my XX/XX/XXXX, payment of {$100.00}, I noted that the interest charged was {$47.00}, and that a " Card Security Fee '' of {$50.00} was being added - the two working together to wipe out my payment! I do not remember authorizing this latter debt, but had it cancelled immediately, on XX/XX/XXXX. Meanwhile, my new WALMART bill for XX/XX/XXXX, has come and is due. It shows my last payment of {$100.00} was charged a total of {$55.00} - well OVER HALF of my payment. THIS IS OUTRAGEOUS! My wife had a serious XXXX in XX/XX/XXXX. She will be XXXX next birthday, and I will be XXXX. We have struggled to pay all bills, and have had to dig deeply into our life savings to make ends meet. Let everyone know that this treatment is from an All-American company ( WALMART ), which made its great success based on being " Consumer Friendly ''. Fifty PLUS % interest is hardly " Consumer Friendly '' - and my new XX/XX/XXXX Account Balance still remains at {$3000.00}. ( On my XX/XX/XXXXbill, there was also a totally unexplained " Interest Charge '' of {$1.00} for " Quick Cash ''. )

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 08-10-2015 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Late fee

Complaint: Wells Fargo is charging excessive late fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: When I reviewed the interest I was paying on my credit cards, I thought it was really high. When I looked into it further, I saw I was being charged XXXX interest rates : one for purchases and a higher one ( 25.40 % ) for cash advances. The balance subject to the cash advance interest rate was very high : {$830.00}! I knew I had n't taken that much cash out as a cash advance. When I called Capital One to find out how they calculated this figure, the rep researched the cash advances I had taken over the years and found {$380.00}. The rest is all interest! This is robbery! Credit card companies should have a cap on the amount of interest they are able to add to customers ' account. Accrued interest caused my {$380.00} to turn into $ XXXX and I 've been paying the card every month for years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Settlement process and costs

Complaint: I started a mortgage with wells fargo in 2014. I asked for the mortgage to be XXXX the mortgage ended up being XXXX. In order for me not have PMI for the life of the loan, I could have paid XXXX, which was the equivalent of XXXX. The house was valued at XXXX. No one from the bank disclosed to me that if I paid 10 % I would have been able to get rid of pmi at some point during the loan. I was at almost 10 % of the loan payment. Had I known this, I would have completed it. Now I have had to refinance and pay money to get rid of the PMI.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, transunion updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.

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 12/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: Initiated wire transfer withdrawal from Conbase/XXXX account for {$30000.00} on XXXX XXXX, XXXX to bank account. Amount was immediately debited from account. It is now XXXX XXXX and wire transfer has not been received. 

Phone support does not respond to transfer problems and refers them to email support. No response from email support to multiple requests. 

transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX Customer support requests : reference to XXXX # XXXX reference to XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Mortgage (Other type of mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Struggling to pay mortgage

Complaint: had a mortgage with XXXX starting in XX/XX/XXXX mortgage was an ajustable rate that was sold transferred and according to mortgage scam of XX/XX/XXXX XXXX along several other mortgage lenders were bailed out and were to help borrowers out but never offered borrowers anything except sell from one mortgage company to another .imy mortgage fell under what was called predatory lending .after 9 years of foreclosure threats. my property went up for sale XX/XX/XXXX by caliber home mortgage and was sold for me to stop sale i had to file a chapter XXXX bankruptcy. this case should have never gone to superior court as it was scheduled to be heard again in clerk of court but as usual attorneys for mortgage lender did not appear for hearing 2 days later i recieve notice from attorney for mortgage company case would be heard in superior court under judge XXXX XXXX in that court it was ruled that the sale be allowed .i feel that this was a case where improper illegal situation happened being that every time for the pass 8 yrs clerk of court always stated that attorney for mortgage lender did not have all paper work needed .this is why i am filing this complaint i have documentation that show false information and the documents were forged .so this is why i am asking cfpb to help me stop any action for sale of my property.i would like to be heard in a court of law with a jury how the mortgage lender an attorney and judge worked together to forge documents cheat and swindle home owners out of there property .i also know that these individuals have very powerful connections threw out the world so going forth with this action could possibly put my life and families life in jeopardy so i am asking for help please i need help .yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 'm not Disputing Where are records to show my attendance from XXXX XXXX XXXX? Attendance records shows dates, months, and year and grades for students attending school at XXXX XXXX XXXX. I think promissory note should be investigated where is my signature? What date did I signed. Those information should have been provided with the statement giving. It might show in the financial database, but are you looking at the fact those are enter information that was sent to the database. Where is the original records? If you paid the school and they close by right there should have been a reimbursement check sent back to your institution? I never received the money, and yes I spoken with XXXX XXXX they never received the money either so who has it? Maybe you have the money, but its the promissory note that is tying me to paying you back? Somewhere down the line it does n't make sense? Remember for school closure the money is refund back to that institution that is last on file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I received a call about a loan forgiveness program. I gave some information, but nothing too vital. The caller then hung up on me. I think it may have been a scammer. Not sure if they got what they wanted from me or not. The number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Payday loan) with Direct Recovery Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: A phone number was calling me so I called back. The first person I spoke with asked if they asked for when I called and I said yes and then was put on hold. After a couple of minutes of being on hold I hung up and called back. When I called back the gentleman who answered the phone asked me if I was " XXXX XXXX '' and I said yes. I then asked him what company this was that was calling me and he said, " Direct Recovery Services ''. He then told me XXXX XXXX has hired them to collect the debt for them. I informed him I do not pay anything unless I have it in writing. He stated they have mailed notice out and I informed him I have not received it. I asked him to mail XXXX out because I do not pay anything over the phone unless I have proof of debt. There is so many scammers out there plus they do n't even answer their phone by stating the company name. I have no idea if they are legit or not. He told me to get in touch with XXXX and they will direct me to them. I again told the gentleman I do not pay anything over the phone without documentation. Rudely he told me they have sent out notices. I again told him I have not received any notice. I then told him he is not to call any other phone number except for my number XXXX so he does n't have to harass anyone else to just call me. He stated he was not harassing anyone and he is not going to mail out anymore notices and there will be no settlement offer. I told him I do n't pay unless I have proof of debt and I hung up. The gentleman on the phone was rude.

Company response to consumer: Closed
Consumer complaint received 11/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: Back in XXXX XXXX, 2015, I applied online for American Express Business Gold Rewards card ( ref : XXXX ). Back then Amex was offering XXXX membership rewards points as a sign up bonus. My application said it needs to be reviewed, so I called Amex to speak with a credit analyst who approved the application. I checked several times with Amex representative to make sure that the sign up bonus was correct ( XXXX ) and Amex representative confirmed it. However, when I met the required spending Amex only awarded XXXX points claiming that that was the sign up bonus on my application. Multiple calls to Amex failed to make any progress. I asked to pull conversation tapes from approval call, but Amex claims they ca n't locate the tapes. I also provided Amex the screenshot of the offer I originally applied online. 

The difference of XXXX points can be valued at $ XXXX-XXXX depending on point valuation applied, so it 's quite a lot. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened an Citigold account at a Citibank branch with a promotion code XXXX for XXXX AA miles. Not only they sent my debit card and check to the wrong address for three times which caused I could n't use my debit card for XXXX month, but they also denied the XXXX AA miles after I have done the requirement. In addition, they are happy to charge me the monthly fee but not giving me the miles I should get. It is totally unacceptable.

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 07/20/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: original debt XXXX XXXX credit. 
over 7 years passed, XXXX XXXX charged off debt. 
portfolio recovery is still reporting to credit agencies way past the time allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Commenity bank representatives are calling me every hour between XXXX and XXXX from blocked phone numbers and leaving no messages. I asked them to stop contacting me in XXXX XXXX and they have since been calling from blocked numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been trying to dispute this judgement with Equifax several times. Equifax is closing these disputes with out making the proper investigation. This public record does not belong to me. This belong to my father XXXX XXXX XXXX. Please communicate with XXXX XXXX XXXX XXXX at XXXX to verify information as date of birth and social security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Consumer Loan (Vehicle loan) with Pinnacle Financial Group Inc (GA).
Issue: Problems when you are unable to pay

Complaint: I had to make arrangements for my XXXX XXXX payment due. I called Pinnacle Financial group and made arrangements. I started receiving collection calls the next day along with emails and text messages advising me to remove my things out of car if no call by a certain date. I kept arrangements made for my XXXX XXXX payment. They changed my due date to XX/XX/XXXX I did not sign any paperwork or tell them to change it. Now they have me due for XX/XX/XXXXand showing me 30 days late. I cant be past due for XXXX XXXX when I just made XXXX XXXX payment. They continue to call and sent a certified letter to repo the car. I have proof of my payments I have never missed a payment. I have not made my XXXX pymt due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by XXXX, Transunion and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.

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 04-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Using a debit or ATM card

Complaint: My social security is paid directly into my checking account at Chase on the XXXX Wednesday of every month. My balance is normally very low in the 5 to 10 or so days prior to that deposit. I acccordingly have to regularly monitor transactions into and out of the account to ensure that I do not go into an overdraft position and thereby incur overdraft charges ( {$34.00} per ). 

Today I went to XXXX to ensure that, under a menu item called Chase Debit Card Coverage, I had chosen the " no-do-not-pay-debit-card-transactions-when-there-is-not-enough-money-in-my-account '' option. 

Here, without the graphics, is what appears on the screen when XXXX is attempting to select that option : ****************REQUIRED Chase Debit Card Coverage InformationPlease click and read the Important Information including legal disclosures and consider printing a copy for your records. 
Have you read the Important Information including legal disclosures about Chase Debit Card Coverage service? 

Yes, I have. 

No, I have not. 

Select " Yes '' if you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you do n't have enough money available. You 'll have until the end of the business day to deposit enough money to avoid an Insufficient Funds Fee on these transactions. 

Select " No '' if you do not want Chase to approve and pay your everyday debit card transactions when you do n't have enough money in your account. Since everyday debit card transactions will be declined when there is not enough money available, you wo n't be charged an Insufficient Funds Fee for everyday debit card transactions. If you do n't choose an option when you open your account, " No '' is automatically selected for you. 

***************Note that the term " everday debit card transactions '' is not defined anywhere - not even in the " Important Information including legal disclosures '' that, in order to proceed, XXXX must confirm having read. [ But note also that XXXX can click the 'yes ' button, and proceed, without having taken even a glimpse of said fine print. ] Fortunately, I called my local Chase branch to get clarification - only to find that the term 'everyday debit card transactions ' does not include RECURRING debit card transactions. 

It 's conceivable that Chase 's other account holders are sufficiently cunning and sophisticated to be aware of what I had to ferret out myself, but I 'd wager that this is n't the case.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent letters to the company ( Enhanced Recovery Co ) as well as my credit reports but they said that it was verified to be mine. IT IS NOT!! I never opened this and also it is falsely reported since this account was reported a few years ago by XXXX XXXX XXXX for XXXX XXXX and was removed from my reports after I disputed in XXXX ( I submitted proof of removal ) now that XXXX XXXX was bought out this company is trying to say I owe this XXXX account- I do not. I NEVER opened either.

Company response to consumer: Closed with non-monetary relief