milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 'm in school at XXXX XXXX half time receiving XXXX XXXX. I was told the school did not send my hours over for them to put the loan into deferment. I was told on XXXX/XXXX/XXXX, they received the hours verification paperwork from XXXX XXXX but they would have to " double check '' to make sure I should be in deferment. Meanwhile, I 'm receiving letters asking for me to pay my past due amount and I 'm going to have to call on Monday, XXXX/XXXX/XXXX to turn off my auto payment due on XXXX/XXXX/XXXX. What triggered the loan repayment is XXXX XXXX XXXX let then know in XXXX XXXX that I was not at the school anymore so the grace period had ended. This is the first time ever I have had ANY trouble with XXXX XXXX XXXX following the proper procedures for deferment. I do not want to be coded as XXXX because FedLoan Servicing wo n't comply with the law. I 'm at my wits end trying to get this worked out. I do not want to use the forbearance because I 'm unemployed right now and I may need that next year. My loans go back to XXXX and I never had issues with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Struggling to pay mortgage

Complaint: I have a foreclosure sale date of XX/XX/2018. I had submitted my offer to the bank for a short sale. However, I submitted it to XXXX XXXX XXXX and they are no longer my mortgage company. I phoned Penny Mac Loans to try to get someone to postpone the foreclosure sale until they could review my current offer and the person that i spoke to was friendly but firm and stated that they will not be able to postpone the foreclosure sale but if i wanted to i could email over my documents to XXXX. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: I am putting a second complaint on Citibank because they sent a response in the last complaint stating they updated the social on my account and re reported the account with my new social to wait 30-45 days for the credit bureau to update the information and I have waited close to 60 days and nothing has been updated this is a perfect example of what I have been going through with them for the last 5 months. I need this account to be re reported with the accurate social I spoke to the credit bureaus and they told me there has not been a reporting from them since 2010

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX at XXXX XXXX I called in to the credit card department to get information about the terms of the account. Specifically, I wanted to get the terms and conditions of the account in regards to the interest rate and interest free period. The representative I spoke with told me that as long as I do n't make any additional purchases the current balance would not be subject to any interest for the duration the account is open. I asked the question 4-5 times and in several different ways and the representative continued to give me the same answer. The agent never sounded unsure, reiterated the same answer, and never asked for help from a supervisor if he did n't know the answer to my question. Because of this information I made financial decisions that I would not have made which are now creating damaging repercussions. XXXX XXXX I found out that my account was being subjected to interest when I was making the minimum payment. I called BBVA Compass and told them my situation. They told me that they would have to file an escalation report and go through the proper channels. They told me they would call me in a few days. XXXX XXXX I never heard back from Compass in regards to the escalation report. XXXX, the XXXX branch representative told me that I should 've been contacted by now. She decided to look into the matter further. When she called me back she told me she could n't do much because she is not a part of the credit card department. She told me the escalation report is in progress and that I have to keep in mind that that I signed an agreement and whatever I was told on the phone does n't matter. XXXX XXXX I did n't receive a call from Compass so I called them to inquire about the escalation report. They were giving me the run around and making re-explain the events. When I pressed them about my dissatisfaction they finally got the escalation report started although they had been telling me that they had already filed it. They said they would review the taped conversation and get back to me regarding my complaint. XXXX XXXX They finally finished their escalation report and called me back. I was told that I signed an agreement and that the conversation I had with the agent on XXXX XXXX does n't matter. I was told that I misunderstood the representative that day and the tapes reflect that. This is not true according to my notes and my recollection of the conversation. I asked if I could get a copy of the taped conversation and they said not without a lawyer or legal scenario. I have already accrued {$220.00} in interest which I could have avoided if given the proper information from the beginning. As a reasonable person, the conversation I had with the agent on XXXX XXXX amended the written agreement and I should not be subject to any interest on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I went to the bank on XXXX/XXXX/16 to do a cash advance for XXXX from my Rushcard debit card and the teller never received a authorization number from the terminal or printout to give me my money. The teller stated it was not going through, it kept giving him a error message.But the withdrawal and fee was pending on my account till this afternoon on XXXX/XXXX/16. It cleared my account and now Rushcard Does not want to return my money when they were having system issues and doing a system maintenance update the same day. I am very unhappy, because it was not my problem and customer service is not able to see the error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: now with the security bleach of equifax i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a total of about {$50000.00} in private student loan debt with  Navient. Curre ntly, I have attempted to make manageable payment arrangements to no avail. I have provided them with bank statements, income statements, account information, debt breakdowns and just about any other type of information  one  would need to prove the need for more appropriate payment totals.    Navient  has continuously denied my requests, with most decisions taking them up to 45 days and I only find out about the decision when I call them more than a month after applying. Then, they inform me that it 's always up to the VP of the company and that nothing I could do will change the outcome.   Therefore, I am stuck with bill after bill that " demands '' I pay them over  2.5  times what my income is each month.   I have a family to support and a life to support aside from paying greedy loan sharks. I can not afford to give them all of my income each month while they continue to DESTROY my credit and any chance I might have to find someone to work with me to manage this debt better.     M y credit score has plummeted because of Navient , alone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a Bank of America account XXXX XXXX 2016 in the branch and was told that initially my account was denied because I was in XXXX. I brought a letter from XXXX XXXX Services proving the account listed was fraudulent and verified as not mine. The branch manager called risk management and overrode the system and gave approval for me to open checking and savings. I deposited {$25.00} to each to open. The very next day, the accounts were closed because of XXXX so I went back in to the branch and so began a month long journey. First I was told it needed to be escalated to the Marketing Managerr XXXX and that I would be able to open it in a few days. Called back and was told he approved it and risk management overrode him and refused to open the account. I called risk management and was told that there was an issue and they would not override the decline and needed the marketing manager to approve it again. I called the branch and was told by XXXX that she was emailing him for an answer. This went on for two weeks and no one ever had an answer for me. I 'm still going back and forth between risk saying its the marketing manager and the manager saying its risk who wo n't approve the account

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 02-12-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to receive repeatedly phone calls all through the day from XXXX XXXX XXXX STORE CARD XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX )XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) 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 12/31/2015 about Debt collection (Medical) with CAB Receivables, Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Credit Adjustment Board contact me in reference to a {$140.00} medical bill that I owe and I told them im unemployed and made arrangements with the dr office directly and was going to pay them directly and was basically cursed out and told she was going to list my file as a refusal to pay and send it to the courts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello I just made a large payment of {$650.00} to my  Chase card two day s ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section  623.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Transaction issue

Complaint: I made an online payment to Citi Bank on the Citi Bank web site. The money was withdrawn from my bank account. Now Citi Bank claims to not have received the payment and has no record of the payment. I called Citi Bank to dispute the payment and I am getting the run around. Citi Bank opened an investigation and than immediately closed the investigation without telling me. I have reopened an investigation with Citi Bank to resolve this issue. I am also contacting my bank from which the payment to Citi Bank was debited ( online my bank shows the Citi Bank payment as having been made ). But Citi Bank is calling up to 4-6 times a day. I have tried to get Citi Bank to note the account that there is a dispute but after speaking to XXXX people ( acct. representative, an acct. supervisor, and a billing representative ) Citi Bank states that they can not guarantee that I will not receive continued collection calls on this disputed payment. I spent over an hour on the phone with these XXXX getting conflicting information from each new person as to how this dispute can be resolved in an expiendient manner.

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 10-03-2017 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or about XXXX XXXX, 2017, the collection agency responded to the CFPB ( Consumer Financial Protection Bureau ) advising the matter has been closed in the office. However, this agency was negligent in informing the CFPB that the information in which they reported to the major credit reporting repositories will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have on my credit names that I had never used attached with addresses I have never lived. One is my ex husbands address and has me listed as another name. I am asking for this to be removed. This was pulled up by a background prior to getting employment

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 12/14/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Settlement process and costs

Complaint: My husband and I took out a second mortgage in XXXX it was a 15 year fixed loan at 12.625 % since then we had some draw backs and inXXXX/XXXX save the dream helped bring this loan current however the mortgage company indicates a different amount paid by save the dream our experience report show different reporting the mortgage company says we missed like 27 payment. When we tried to see if the would settle for a lesser amount they said the loan has matured and can. It work with us it is so confusing please help me understand, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have noticed few months ago that there is a collection on my name XXXX XXXX XXXX, and XXXX XXXX. I contact with property manager XXXX XXXX and told her why its on my name since i never lived there. And i told her you removed or i will take you in a court she said no she want to solve issue and she offer me settlement of account. And even tbough i never live there i agree to settle this account and we have agreement and we settled that matter in her office. And she told me that she wrote a letter and email to credit bureau that they can remove. But experian updated that i owe XXXX to XXXX XXXX XXXX XXXX XXXX. I contact her again and she email me back and she said she emailed again.

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 06/26/2017 about Mortgage (Conventional home mortgage) with United Shore Financial Services, LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am trying to refinance a mortgage on a property that we just closed on in XXXX. Rates have improved nicely and we can save .25 % at no closing costs. <P/>The company that first handled our loan - XXXX XXXX - will not do the refinance because they do not want to get an interest recapture on the loan. They also re-pulled my credit without my authorization and will not correct this error. <P/>We then went to another lender, who could actually do a better deal - XXXX XXXX XXXX - but now the actual lender is telling them that they will not allow them to refinance the loan within six months. <P/>XXXX XXXX XXXX is the actual lender/mortgagee and is holding up this whole process unnecessarily and unethically. I would simply like to get the lower rate and I have called them 4 times and left messages over the last two weeks with no return call. <P/>Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NC).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I,  XXXX   XXXX   XXXX , have a business that uses PayPal to accept payments for  XXXX  auctions and to process payments on my computer service website. I have had my account limited due to an  XXXX   XXXX  department that is reviewing accounts  for PayPal. I have provided PayPal with numerous documents that they requested, and have gone above and beyond what is legally required for a sole proprietorship in my industry. I have given them Proof of  business registration, Supplier contact information, Invoices for purchases, A statement of my business model, and many other supporting documents. I was instructed by a CPA and a lawyer to create a business checking account, and when I tried to add that account, it was not allowed by their system. Adding a bank account would in fact solve this problem of compliance, and would reinstate my account since currently I have no access to my funds. I c alled the PayPal support number to get this fixed, and they said the limitation was preventing adding a bank account.This is n ot true. According to their own " resolution center '' I am allowed to add a bank account, but their system refuses to allow it. I have screenshots of the page before they " fixd '' it so that does n't show up now. I have done everything they asked, and now I do n't have access to my money, and  XXXX  only use s two payment processors, so I ca n't even do business because of this negligence. I would  like to have the compliance department to review this account and figure out why this has n't been handled already.

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Fed Loan Servicing is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and  was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Other financial service (Debt settlement) with National Budget Planners of South Florida, Inc (TX).
Issue: Fraud or scam

Complaint: I was contacted by a company who claimed to be consolidating my student loans. This company claimed to be working on my loans which were previously handled by XXXX XXXX and transferred to XXXX. To my knowledge it was explained to me that they were handling the consolidation as a third party through XXXX. This company was the XXXX of XXXX separate companies claiming to consolidate my student loans. They scammed me out of {$510.00}. The Name of the company is National Budget Planners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief