milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I submitted several income driven applications to great lakes borrowing services which supposedly took " several months '' to process. Within this time period I was informed that there where no payments due as I was still in deferment. After submitting the first application on XX/XX/XXXX I patiently waited for the application to be processed, which thru many phone calls I finally determined months later after receiving not a single item of mail, that they had " no record '' of me even filing a application! So of course I then filled out and mailed yet another application from their website on XX/XX/XXXX. I followed up with many phone calls to find out a status, the whole time again being told my app was " under review ''. Now finally about 5 months into this process I am told that my loans are now in a delinquent status and my account would closed and sold to collections if I did not pay the full amount immediately, which by the way had mysteriously gained interest while in deferment!! I made many attempts to set up some sort of payment arrangement with them to no avail. 

Next my account was sold back to the us dept of education, who from what I can tell immediately sold it to a collection agency, and now I'm just finding out that they are taking my full federal tax refund through something called a treasury offset!! This all seems rather illegal, uncalled for, backdoor, and downright authoritarian if you ask me but what do I know? My wife and I have a child on the way and we where really counting on our refund this year please let me know if there is anything you can do to help. 

Thank You, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: My name is and I find that Amazon.com Rewards card billing practices are deceitful and confusing. I contacted the company in the middle of XXXX to notified CHASE that I lost my wallet and as a courtesy would they please cancel the late charge and I would make both payments in XX/XX/XXXX. I was told by the customer service representative in XXXX that this information would be included in my account and I would not be charged the late fee. I recently made a {$60.00} payment in XXXX and was given and overcharged {$25.00} for not including {$4.00} in the in the {$60.00} payment. I 'm now paying a {$35.00} late fee for {$4.00}. This is usury and I can not afford this payment. I called Amazon Chase XXXX/XXXX/2016 and explained this to XXXX who only brushed me off and continued to insist that I pay the {$35.00} late fee. I was cancelled out of XXXX late fee only to be billed with another XXXX. I think this is not fair and of un sound business practices. Please help me because Amazon Chase is tryin to rip me off. My account number ends in XXXX. Thank you very much for your help! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Other

Complaint: I filed a complaint in regards to a fraudulent inquiry on my Equifax credit report from XXXX that was dated XXXX XXXX, 2016. I was informed XXXX XXXX, 2016 by XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX from Discover that she would forward a letter for Equifax to remove the fraudulent inquiry. Well, as of today, XXXX, it still has n't been deleted from my credit report. I contacted Equifax and they would not remove. I have attached the letter that was forwarded from XXXX XXXX in regard to removing the fraudulent inquiry. 
I am asking XXXX XXXX to please contact Equifax to have it immediately removed. It is unfair to me to have an inquiry on my credit report in which I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just received the results of a dispute I had put in withXX/XX/XXXX credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XX/XX/XXXX ... ..XX/XX/XXXX ..and XX/XX/XXXX do not belong on my credit report. I have uploaded proof that equifax had done there investigation and it was confirmed to remove these accounts off my credit report. However XX/XX/XXXXI feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my XX/XX/XXXX credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and XX/XX/XXXXwill not remove them. I am submitting this complaint about XX/XX/XXXXbecause they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and XX/XX/XXXXwill not allow me to do so. This is my right to have correct information reporting on my credit report.

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 02-01-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy in XXXX XXXX. I often check my bankruptcy summary to make sure all payments are being applied. I recently noticed that Citimortgage placed an arrearage in my bankruptcy for the amount of XXXX. I called to check the situation and was told that I owe for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for which I have bank statements where I paid for the months mentioned above. I also received a statement that states I am to receive a surplus check in the amount of XXXX, that I will not receive because all my payments have not been met. As mentioned above, I have bank receipts for the months mentioned above with the exception of XX/XX/XXXX. I have corresponded with XXXX XXXX XXXX who has only responded to one of my emails.

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 01-05-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: Bank of American direct deposit funds into the incorrect and they were notified, however the funds were not rejected and returned to the original source. This has gone on for the past two months with this discrepancy and nothing has been done to rectify this issue.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This letter is to inform you that Experian has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  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 07/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Because of an illness, I recently contacted  Navient on  or around   XXXX   XXXX   XXXX     to defer my student loans until I regained my health. During that phone call, without my knowledge,  Navient tra nsferred me to a third-party company. Somehow this third-party company gained access to my personal and financial records without my consent. Soon after, this third-party company fraudulently took out funds from my bank account, which required me to submit a claim to the bank and change my account information. I called  Navient on n umerous occasions in order to inquire about this problem and each time was told a supervisor would call me back. However, no one ever did. Finally, on   XXXX   XXXX   XXXX    , I called  Navient to co mplain about the fact that no supervisor ever got back to me. The next day I received a call from   XXXX   XXXX  , a lawyer who represents  Navient. Duri ng that phone call,   XXXX   XXXX   discussed my complaints in a belligerent manner. He also questioned the legitimacy of my and my son 's answers to his inquires. He told me that he would verify my statements with the company 's phone records, but then, a few days later, he told me that he could only access records as far back as   XXXX   XXXX   XXXX    , which is well after the date in which the fraud took place. At the end of our conversation, he told me that the burden of proof fell on me. I would like to know how my personal financial records ended up with a third-party company and whether or not I should take legal steps agai nst Navient for t heir actions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: i purchased the " reload '' pack and verified the amount the day of purchase. 
I called to validate the amount loaded onto the card the next day and was told there was a XXXX balance. 
I was a victim of fraud and the company claims to not be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I set up payments with Navient, {$220.00} bank debit every two weeks and on set days on a set schedule. I was told to call 3 days or more ahead if a pmt date had to be changed. I called eight days ahead of XX/XX/XXXX to change the XX/XX/XXXX debit to XX/XX/XXXX and it took over an hour but eventually no problem, they said, we cancelled it and changed it to XX/XX/XXXX. But NO THEY DIDN't AND TODAY i WAKE UP TO {$220.00} GONE FROM MY CHECKING ACCOUNT and now my other bills are XXXX. Already they are demanding well over XXXX % of my income and they ca n't even debit honestly. I am REVOKING the privilege of automatic debit, they are not trustworthy. I need that money back and the pmt to be at the end of the month as THEY AGREED. I have been contacted by the AZ State Attorney General because they have too many AZ problems with Navient and they sought me out from my activity inside the CFPB website so clearly I am not alone. Of course I am cooperating fully with the AG and against Navient. I return calls to some guy XXXX XXXX ext XXXX but always a recording ... .always ... .Navient is not to be trusted

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Struggling to pay mortgage

Complaint: Im writing this letter in hopes you can intervene to get XXXX XXXX to properly review our loan for assistance options, and keep me in my home. The issues began when I lost use of my car, which as you know, in South Carolina, is a necessity. The unexpected expense of getting it repaired made it difficult to stay afloat. 

I attempted to contact Chase to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Trans Union has XXXX incorrect addresses. 
XXXX XXXX, XXXX XXXX I never lived at or used this address for mail. It is the address of my BROTHER-IN-LAW 'S EX-WIFE. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This address must have a " XXXX '' before the house number, XXXX XXXX XXXX XXXX. 
That is all thank you.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account. 
XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have several student loans owned by NCT and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling about {$41000.00} ) 2 months ago and they have n't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the capital one account number ending in XXXX from XX/XX/XXXX of 2016. i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (I do not know) with Accelerated Financial Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I disputed an account the showed up on my credit file. It was XXXX XXXX XXXX XXXX. Directly after the dispute the item changed to XXXX. Then when they did not respond the item was removed from my credit file. Neither the original account or the second name of the original account are on my credit file. I never recognized this item. It is identity theft. 

After the items were removed from my credit file I got a letter from AFS in the mail trying to collect the debt. When I called the company as the letter requested, the person on the phone did not know who consumerfinance.gov was, refused to acknowledge that the accounts have already been removed from my credit file. I tried to explain that the debt his company purchased was not valid. He refused to listen. He offered me no solutions for the hishap. He didnt offer to send a fraud/ID theft package. He also told me the debt was valid, and would n't look into what had already happened. This item is not on my credit file as of yet, and should not be on there. The company needs to stop trying to collect a debt that has already been found to be fraudulent. I tried to included XXXX in this current dispute, but they are still not a valid company with consumerfinance.gov. I included documents to show that cfpb.gov sent it to the regulator ftc, and then the item was removed from my credit file. Please cease and desist any further collection attempts including putting item back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TN).
Issue: Other service problem

Complaint: I have been trying to get my funds out of this exchange since XX/X/17. I have been locked out of my account due to a non-functioning " ID verification '' process that the company touts. I have provided all of the necessary information for them to assist me with the simple request of restoring access to my money. 

I have over 50,000 USD in my account and feel that waiting over a week after filing a support ticket is too long. I have not received a single email that has been anything more than an automatically generated response. I have been a loyal customer of this company, and I am shocked that there is no support to be found. I have tried direct messaging the company via twitter, filing a support request through their website, and emailing their support center directly. I have also tried calling them on their support lines, and have endured endless hold times and busy signals, never once getting through to a person. 

Over a week, and zero response from a company that holds a good chunk of my life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has not responded to any of my documentation and disputes XXXX to old files medical collections that are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On XX/XX/XXXX, my wife and I rented a car with XXXX/XXXX  at XXXX. XXXX XXXX in XXXX XXXX. It was for 9 days. After nine days, on XX/XX/XXXX, we returned the car and flew to XXXX. When we returned the car, we filled out a complaint form with regard to an item we rented with the car ( a wireless modem ) and handed in our paperwork and were told a revised final receipt would be sent to us by email ( it wasn't ). 
When we got our credit card bill ( Bank of America ), we saw we were charged for 12 days instead of 9.  We contacted XXXX/XXXX  to get the invoice, and disputed the charge with Bank of America ; included with that dispute were copies of airline tickets showing we were flying on XX/XX/XXXX ). Bank of America will not take our side in the dispute since we had no final receipt saying when we turned in the car ( and now say we are " timed out '' for disputing further ). We continue trying to get XXXX/XXXX to respond to our dispute. 

XXXX/XXXX supplied Bank of America ( and I ) a revised reciept showing the rental for 12 days. This was never authorized and is what I dispute.

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 05/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: We were put into a loan model payment plan for 3 months, after paying the last payment my husband was fired wrongful and we could n't make payment which took us out of the loan modification. We won the case with unemployment but it took nine weeks to get any money due. We have hired a lawyer for the wrongful firing of his job but we are in foreclosure because we had no income for my husband, he was also hospitalized for a month during this time.we have tried everything, working a hu d specialist but Wells Fargo will not w ork with us. Please help us keep our home.My husband has a good job and I 'm still working at my current job, we can make the mortgage aymentsvand want to remain in our home. Thanks  XXXX  and  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation