milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX, XXXX I had setup my 3rd payment to be taken out from my debit card linked to my checking account. Because of previous success payments using the same debit card I thought there would not be a problem. On Saturday, I received a call from Navient in regards to my payment and there was a problem. I tried returning the call on the same day but all I got was a audiomated system and not a live person. After numerous tries I tried calling Sunday XXXX XXXX, XXXX, but the answering system stated they were closed on Sunday. So first thing Monday- XXXX XXXX, XXXX I called from XXXX-until XXXX. I was transferred numerous times and given all sorts of numbers to call regarding my account. The service rep from Navient even transferred me to the default department. I spoke with a lady named XXXX. She advised me that she does not see any record of my account but it is showing a status of default. I asked her could I speak to someone regarding the issue of my payment not going through and why am I in default now. She explained she does not have my record but I am set up for reocurring payments going forward. Now I am totally confused and lost. So, I called back to speak with another rep.  This time the rep explained to me theres nothing she can do because I am not coming up in the system and she provided me another number to call. I then called that number and again was provided with no help and still I dont no whats going on with the payment that was suppose to be processed. This is very upsetting because no one wants to go into default on a private loan. 
When I first set up these payment arrangements I was tolded to make 3 payments on time and my account would be brought up to date. Now theres a problem processing my card, so Navient puts me in a default status. 
my previous payments are as followed : XXXX {$220.00} XXXX {$220.00} XXXX {$230.00} XXXX {$230.00} I have been making my payments and if I could not keep that payment arrangement I would call to move the date. This has happen to me once before and the reversed the default and I was put back into a reocurring payment status. Now I can even talk to anyone or get account information about what happen to the payment on XXXX/XXXX/XXXX. 
I have had this loan since XXXX/XXXX/XXXX It 's crazy how each Navient rep tells you something diffrent regarding your account ever time you call. All I want to do is resecure my payment from XXXX/XXXX/XXXX and move forward with reocurring payments. please help

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Bank account or service (Savings account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: I had money in my savings account to pay my rent. It was taken and put into my over-drawn checking account without my permission. I spoke with a supervisor XXXX XXXX who was very condescending and kept saying " Why do you have to be reminded to put money in your account '' kept saying it over and over again. I told her I am not a child and she ca n't talk to me like that. I did not authorize money to be taken from my savings and put into my checking account. I told her to let me talk to someone else and she transferred me to a voice mail for XXXX XXXX. My account is overdrawn mostly by fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MO).
Issue: Managing, opening, or closing account

Complaint: My card was lost while on vacation and I tried to transfer my money to another account and cancel the lost card.I am unable to manage my money due to a computer gliche. When I called to rectify the situation, the phones cant recognize my information and disconnects or I am placed on hold for over two hours and the eventually the call is dropped without speaking to an agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Reporting agency reflect XXXX XXXX..which was ordered by court to dismiss and remove off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Problems when you are unable to pay

Complaint: The creditor is calling everyone of our family members and friends. We do n't care if they call us, HOWEVER, we will not stand for the harassment of our family and friends. This is to file a major complaint against Springleaf Financial and its collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I have a checking account at USAA bank. Someone, a third-party criminal of some sort, wired in {$4000.00} and withdrew the money in {$900.00} increments from an ATM in Florida. I have never been to Florida. The bank made me aware of the fraud. Separately, I have {$1300.00} in an investment account to buy and sell stocks. I asked USAA bank to wire this money to a different bank, XXXX bank. The request was made Monday, XXXX XXXX in writing. USAA bank has thus far ignored my request, on the apparent grounds that my checking account is - {$4000.00} as a result of the fraudulent activity which is not my fault described above. The bank has also frozen me out of my own accounts online, and not given me any information about them. Their excuse is my accounts are " under review '', a phrase that has no meaning at all in banking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
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: I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies PORTFOLIO RECOVERY {$1800.00} XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: Payments are due the XXXX of the month ; payment was made XXXX - on XXXX received notification from XXXX that payment was over 30 days. This is the second month in a row that payments are not posted timely thus causing reporting to my CBR. I am already in enough XXXX and agony trying to maintain finances while my fianc lost his job, now to have my credit being damaged when I am trying to maintain. This is unacceptable - and 60 days to receive a response is not sufficient - this needs to be resolved for both months immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I have a Bank of America checking account. My available balance was {$2300.00} and my card was lost. Upon checking my Account online, I noticed some transactions I never made and immediately transferred my remaining balance of {$200.00} into my other account, so as to block cash access to whoever is fraudulently using my card ; and immediately called Bank of America customer service. 
A claim was filled for XXXX unauthorized transactions on XXXX XXXX 2016, totaling {$2000.00} and my card was replaced. The representative then said i 'would ' be receiving a provisional credit for my claims in 48-72 hours. 
After 72 hours of the transactions posting, I did n't receive any credit. I called customer service and was told it was XXXX more pending transaction, and that all disputed transactions must post before credits apply. 
All the transactions have posted, and yet, nothing. I called again, and was told it a new account. I 've had my account for 2 months. That to me, is n't new anymore. 
All BofA did was charge me {$5.00} for card replacement, which made my account negative balance. 
Every time I call customer service or claims department, they all say different things at different times. It makes me wonder if there 's a play book for this or these bank 's reps are just allowed to say anything to customers, even with the fact that the calls are recorded!

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 10/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Please, can someone here help me communicate properly with Equifax. I keep trying to explain to them that XXXX XXXX and XXXX are extremely outdated and over and over again they claim that they are unable to process any more disputes regarding the XXXX accounts, which need to be deleted from my file, on the grounds that they have " investigated '' them already. XXXX help me, I can not see what they investigated, how they investigated and who investigated it and how. If XXXX had indeed investigated these XXXX trade lines they would plainly see that the accounts are well passed statue of limitation and the 8 years mark. But they refuse to take action. Why? This is talking too long, and I gave nothing to show for my struggle nor do I believe the people at Equifax. This is bogus ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed several inquiries on my credit report after I pulled my report.

on XXXX  there is 3 inquiries I have no knowlodge ofXX/XX/XXXX XXXX XXXX  XX/XX/XXXX bloomingdales XX/XX/XXXX XXXX.

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...

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 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently submitted a payment of {$350.00} to one of my student loans. I placed notes on the check memo, I submitted a piece of paper with instructions on how to apply the payment, and I submitted a document saying how the payment was to be applied as requested to my lender. I have had to contact Navient each time I 've had a check payment submitted due to them not applying my payment correctly. Even when I follow their instructions. This causes interest to build up and bill incorrectly. I requested a full audit of my student loans be completed and provided to me. I have not heard back. I filed a complaint with the department of education and the payment was corrected but I was never provided with an audit. This is the third instance in which Navient has applied my payments wrong, and against instructions. The first time was in XX/XX/XXXX for {$3800.00} - The second time in XX/XX/XXXX for XXXX, and finally I submitted a payment in check format for {$350.00} in XX/XX/XXXX. I will be filing a complaint with the Department of Education again.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax 's check to find out if you were impacted by their stolen data opts you out of being able to sue them, or take part in a class action. They do not inform you of this fact anywhere on the website route to check your status.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Over ( 7 ) years ago, I was an account holder with Bank of America. During said time I rented a vehicle from XXXX and paid for the car rental weekly. During said time, while traveling out of town to visit friends in South Carolina, a tire came of the resulting in a dangerous situation/accident. During which time, I did contact the rental company and notify them of the incident. My bank account was closed as a result. The XXXX rental alleged that I owed them for the vehicle, when I had insurance. They sued bank of America for the funds and they claimed to never have collected on this rental. To date I am unable to open a bank account with any bank based on incorrect information presented to the bank. I would like my rights to open an account with a lending institutions/bank restored. Including my car rental privileged.

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 08-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX I placed an order with XXXX ( Order # XXXX XXXX for {$210.00}. 
Unfortunately, the item was received damaged and XXXX issued a return. They claim to initiated a refund on XX/XX/XXXX to my original source of payment, which was my debit card issued by Chase. 

On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 
So since the refund was issued after the account was closed, Chase claims that they would not be able to locate the refund and issue a credit. XXXX claims that Chase would be able to do that. 

After making several phone calls to both companies, both reps and supervisors on both ends kept point fingers at who would be responsible for issuing me a check refund. I even had supervisors from both companies conference in two times and they could n't agree on how the refund will be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, XXXX my mortgage ( including escrow ) increased by {$350.00} a month primarily due to my taxes increasing due to an {$8000.00} energy loan I made to repair damages to my property for an insured flood loss I suffered in XXXX XXXX. I applied for a loan modification to my mortgage company and while in processing in excess of 2 months, they sold my mortgage to Freedom Mortgage and I commenced the process over again with them. Finally they offered my a modification that only decreased my payment by {$180.00}. This low amount does n't really help me. I am a XXXX year old XXXX unable to get employment, living on social security retirement a couple of small pensions. I have a " special needs '' XXXX daughter who is now XXXX yrs old. As a result of unexpected expenses my credit card debt balloned to {$46000.00}. I did credit counselling and entered into a debt repayment plan to pay off my credit cards ( now closed ) over a 6 year period inorder to save on excessive interest payments although I am paying off the entire debt, but at a lower rate of interest. 
As my financial hardship was not alleviated by the modification and my debt repayment program, I counseled with HUD who told me I should apply to KYHC. I did and after a very long processing period with many documents provided, they just approved a principal mortgage loan reduction XXXX XXXX ( although they would not provide me the details ) and sent it to Freedom Mortgage for their acceptance which they said would take approx 3 weeks. Then KYHC called me back the same day ( yesterday ) after I made the inquiry and I was advised that Freedom Mortgage denied to accept their principal reduction plan because I am in a 3 month trial modification. This of course both parties were always aware of from the beginning of this frustrating process. I can not accept that Freedom Mortgage will not accept the KYHC assistance is offering me. I am desparately trying to hold onto our home as I simply ca n't be homeless with a XXXX year old to take care of and I ca n't afford to pay what the rental market requires if we lose our home. KYHC advised me today that they will close my file without even allowing me the opportunity to dispute Freedom Mortgage 's decision. I was lead to believe that KYHC was a federal program to help home owners save their homes. Both entities have put me through so much over many months to now end up with this unsatisfactory result. If the lender now has the option to deny the aid I have been offered, what is the point of putting someone through all of this when they are already suffering a hardship. Please help me get Freedom to comply. I am not providing documents as KYHC has approx XXXX documents as does Freedom Mortgage Thank you. 
Respectfully yours.

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 04-01-2015 about Debt collection (I do not know) with Focus Holding Company (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Focus Receivables Management & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXXThe above listed debit collection company contacted me via letter File # XXXX referencing I owe {$130.00} from XXXX Last four digits of account XXXX. All above listed information was on letter they sent. Focus Receivables Management upon contact did not show themselves to be a legit company or any other information to provide they are not a scam but they just kept asking for personal information and this is the XXXX and only letter they sent also

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: personal private information was not held in high-regard, and now in the hands of criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( XXXX, XXXX, Experian, but nothing has change. That was XXXX XXXX. But already it had happened before on XXXX XXXX. II always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.

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 05-06-2016 about Mortgage (Other mortgage) with FIRST REPUBLIC BANK (CA).
Issue: Application, originator, mortgage broker

Complaint: Hi, In the last 2 months, I have been looking to get a mortgage form the XXXX banks where I have an account : XXXX and First Republic Bank. After giving them all my datas and explanations ( down payment of $ XXXX- {$100000.00}, I have no debt, no school loan or such, good credit score, have been working with the same employer for the last 12 years, work contract signed for next year, letter from my Human Ressources ), etc ..., they still told me that I could n't qualify for a mortgage ( i 'm looking at a {$300000.00} loan ), because I 'm currently on a XXXX and therefore not receiving any paycheck. I told them that I felt discriminate and it 's the case. 
After some research online, I found a recent article concerning that discrimination : XXXX Again, I believe that none of the reasons they gave me make sense. Right now my rent is more expensive than if I had a mortgage to pay. Why would they let one of their client to pay a rent more expensive than a mortgage. Not very customer oriented for a bank. 

Please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have received a default/foreclosure notice from Ditech Financial for being {$32.00} off in a prior payment. Ditech has not provided any details in the reasons for the change in payment amount and when I called said that I could pay the {$32.00} only if I paid a {$12.00} surcharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This company thinks that I have an account with them. SYNCB/WALMART. XXXX. Please have it removed from my record. Thank you!

Company response to consumer: Closed with non-monetary relief