milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been battling this issue, and others, with Navient for several months. Ive submitted several complaints through their ombudsman and advocate office, as well as three CFPB complaints. One of the cases ( XXXX ) was documented as duplicate. None of my complaints have been resolved yet theyve been marked as closed. Part of my last complaint was regarding a fraudulent loan. While Im fighting the fraud issue, Im still trying to keep the loan from becoming increasingly delinquent. Upon submitting financial information for myself and my mother who is the co-signer, I was placed in a payment program. In the first three months of the program, I had to submit another complaint due to a manager deciding I was no longer eligible for the program, regardless of my XXXX status. The advocates office got involved again. They discontinued the payments and placed my accounts in an administrative hold status. While I was working on the medical documentation required for my XXXX request, my mother received a call from Navient about the loan defaulting. I called the person back and he stated one of the loans had now defaulted due to no payments being made and its been reported to the credit bureaus as a charge off. I made it explicitly clear this information was not accurate. After ending the call I reached out to the advocates office to find out what was happening as none of this made any sense. Approximately 2 weeks later, I was informed that the loan is now in the Navient recovery office for default but that a payment arrangement could be made and the interest reduced to nearly 0 %. Ive reached out to this recovery office but have yet to speak to the person who is said to be the account manager. This cant be legal. This account had three payments made, via the required ACH process. The loan was then on an administrative hold. So I dont understand how they are now able to say no payments were ever made and have subsequently charged the loan off. Not only is this loan included in my current request for the Borrowers Defense Act against XXXX XXXX, its also the loan Im fighting for fraudulently being processed. Its also the same loan Ive submitted complaints to your office about, including written and voice-recorded documentation. Theyve now severely ruined my mothers credit and mine and if this complaint is addressed in the same manner as my previous complaints, allowing things to progress to the present status Im facing, they will get away with multiple illegal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: There are several issues. First ) Kohl 's routinely does not honor 12 CFR Subpart B 1026.5 ( b ) ( 2 ) ( ii ) *The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing OR DELIVERY of the periodic statement disclosing the due date for that payment. * Kohl 's routinely waits until exactly 21 days before a payment is due before mailing. It takes a few days to mail before the recipient receives it. So while 21 days is the minimum they must offer for payment, it discounts the 21 days after delivery. So while 21 days after clearly falls within the mailing portion, it conveniently ignores the delivery aspect. Second ) I 'm not convinced Kohl 's is honoring the requirement to mail 21 days prior to it being due. Third ) I 'm not convinced Kohl 's is accurately accounting for the day they received payments. I believe they are holding payments an extra 24-48 hours before recognizing receipt in order to trigger more late fees. Fourth ) Kohl 's received payment within 21 days after delivery, which was delivered on XX/XX/XXXX. Kohl  's claims they received the payment on XX/XX/XXXX.
In the past I have had to discuss with customer service of Kohl 's in order to get the charges removed. At this point I have decided to forgo this method and instead contact you, the consumer financial protection bureau, as I believe they are intentionally adjusting timelines by a day here or there in order to illegally capture more fees with their store credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with MRS BPO, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MRS BPO llc Reported a Derogatory from XXXX XXXX on my credit report today ( X/XX/17 ) that was disputed and removed from All 3 of my Credit Reports 3 weeks ago from another company ( XXXX XXXX ) that was reporting. And to further Add on, This company MRS BPO llc never called me, Never sent me any letters or anything of that Nature. This is a scam and needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Consumer Loan (Title loan) with TMX Finance LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I am a XXXX single women living on a fixed income. 
I took out a title loan with Title MAX for {$3200.00} in XXXX of 2014. I understood that I would have a payment of {$410.00} each month until I reached the total {$3600.00} which was the loan plus interest. 
After XXXX payments of {$410.00} each month or {$3300.00} I still owed {$3200.00} of principle and another {$410.00} of interest. 
When I realized that the payments were only fees I asked the women at Title Max " do you expect me to pay this every month and not pay off the loan ever? If I had been told that I would have never taken the loan. " In the first week of XXXX I had an accident that totaled my car. Now Title MAX wants to keep {$3600.00} from my insurance settlement. Which means that I will have paid {$3700.00} for the loan which I had for less than a year. 
Now that I know how the loan was structured I have come to realize that Title MAX gave me the loan so they could get my car from me. 
Now since they are taking {$3600.00} from my settlement I will have only {$400.00} left and will not be able to replace my car.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: The company is Bank of America. I had online overseas fraud. A company got ahold of my username and password. And they tried to deposit and cash a check in my account. It was on XXXX XXXX. For about XXXX. Bank of America saw it was fraud but shut my account down and told me I could no longer bank with them.

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 10/13/2015 about Debt collection (I do not know) with Ceannate (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received calls from a company stating my daughter gave my number as a contact and they are asking questions about her. My daughter said she has not listed me as a contact for her. I am almost XXXX years old and have told these people to not call me. I do not owe them anything and have been registered on the do not call list for a long time. These people call from different numbers and call late into the night. This is very upsetting to me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Dear Sir or Madame, My name is XXXX XXXX, and I am an American citizen who lives in XXXX, XXXX. I have a bank account and credit card with Bank of America. 
This past XXXX, there were false credit charges on my credit card to places in the United States. Obviously, I could n't have been been in these places to make the charges. I contacted my bank, and had to close the credit card. Because of security, I had a new credit card brought to me by hand, and it had been specifically sealed in a way that nobody could have used the new credit card. When I got the new credit card in mid-XX/XX/XXXX, there were already charges on it. It was for a video place called XXXX for {$130.00} from XXXX XXXX, XXXX. I do not live in the States, so I could not have been renting videos. I contacted the XXXX XXXX company, and they could not find this charge, could not match the transaction number to me, and said they did not have an account for me. I contacted the credit card, and they said they would do an investigation into this fraud, and would not require shutting down my credit card, which I feel is a necessity for emergencies here. 
Recently, I got a letter from Bank of America requesting me to sign a statement that I had never authorized the charge, and that I needed to close my account in order to continue the dispute. This was XXXX XXXX, XXXX. In the letter, they said that if they did n't receive the letter back on XXXX XXXX, the same day they had dated their own letter, that they would close the investigation. I signed it, and sent it in, with some hope that they might recognize the error. 
Unfortunately, now I am being billed with the fraudulent charges, and the bank has not done any research into the smallest facts : I do n't live in the country, I did n't have the credit card at the time the charges were made, I never made an account with XXXX, which seem like part of a prior spree of fraudulent credit card charges.

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 11-11-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: With the change to the chip readers, customers who have chips in their debit cards are n't allowed to use a pin in our chip reader pin pads. In trying to determine why this is, I have learned a few things ... 
I called my bank to ask that I be allowed to opt to use the PIN when making debit card purchases, and the representative with whom I spoke referred to her guidebook and said that it is the terminal that determines how the card is processed. Our processor, XXXX XXXX, says that it is the card that determines this. I believe the latter is the case from what I have experienced firsthand. 
My XXXX, when I activated it, asked that I set a PIN. When I tried using it in the terminal at work, IT PROMPTED ME TO INPUT MY PIN. When I called XXXX XXXX yesterday, I was told that they have not issued Chip and PIN cards in the US, only Chip and Sign cards. When I said that I 'd rather have a PIN to avoid fraud in the first place and make my card truly secure, I was told that Fraud is covered 100 % and not to worry ... How stupid is that? 
My work XXXX cards have chips and I called to ask to set a PIN with both of them. The woman with whom I spoke was happy to help and it took a minute to set the PIN. Trouble is, the cards Chip and Sign cards and the PIN will only work in ATMs, which is n't what my goal was. 
In the meantime, XXXX and XXXX are earning extra fees for running the cards on their networks rather than on the debit networks. The debit companies are losing out, but more importantly, the merchants are suffering most in having to pay higher fees for the transactions. 
So much for the Dodd Frank Wall Street Reforms pertaining to debit cards. 
I plan to call the issuers and demand Chip and Pin cards, but XXXX XXXX did n't seem too interested in my request yesterday. Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Other transaction issues

Complaint: My employer transfered my salary through western union on XXXX XXXX has yet to credit my account. After many calls and lies ranging from the money was stolen by the bank and is in my account I find out that the western union in America still has not transfered the money and it with them. A second payment made a week later turned up in my account this week. Wu who denied having the payment now admit that it was their mistake. How can I make a complaint and ensure that western union are made accountable for this?

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: 1 account is not mine 2 accounts I did not accept some credit cards have failed to information

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 02-05-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BB&T CORPORATION (FL).
Issue: Other service problem

Complaint: In the XXXX. of XX/XX/2018. I enrolled through my bank site using XXXX. I initiated a transaction in the amount of {$600.00} to my daughter for XXXX XXXX. I was immediately advised by email the transaction was under review. Frustrated, with contradictory marketing of the application ( which conveyed funds would be transmitted in real time ) and the fact it was a bank offering BB & T ( I knew funds were available and I had not been advised of anything being wrong with my account ). I contacted their customer service number and selected option 4 which pertained to XXXX and spoke with representative XXXX XXXX. I was advised my account was not in a fraud status but, the transaction was being reviewed for fraud. I conveyed I wanted to cancel the transaction and un-enroll from using XXXX. I conveyed I felt it was urgent my daughter receive the funds in that her appointment was Monday. I was placed on hold and upon his return to the line, told I could do neither. I then later, went to the bank when it opened. I was serviced by XXXX. Poor XXXX really did not understand XXXX as a bank offering, and after much dialogue, she called internally for support. She was told the transaction would not go through. I checked my phone and could see emails confirming. I physically removed the funds. I went to XXXX and used XXXX. I briefly spoke with the banks customer service representative XXXX, as I was leaving. She felt I would be able to cancel my relationship with XXXX. I tried her method and could not do so. I e-mailed her but, have yet to receive a response. Today I noticed after accessing every vehicle of protocol the bank offered. The bank has not canceled my relationship with XXXX ( an application which requires you to give access to all your contacts in your phone book ). And the bank actually took the money out of my account. I will go to the bank physically to have funds refunded. But, I wanted to advise the CFPB so they could insure the bank is providing the consumer with accurate/upfront information about 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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I've disputed with the credit reporting agencies that Bankruptcy # XXXX and # XXXX does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made

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 01-06-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I have been a Chase credit card customer since XX/XX/XXXX and requested a line of credit increase on XX/XX/XXXX. I asked the customer service person if this would be a Hard Inquiry given I was already a customer. He led me to believe it would be a Soft Inquiry. Upon checking my credit report days later, I discovered Chase placed a Hard Inquiry on my credit report. When I called them they said they would review the recorded conversation and get back with me. I received a call from Chase a week later ( XX/XX/XXXX ) indicating their review results were that I " knew '' their inquiry would be a Hard Inquiry on my credit report and refused to remove it. I requested a transcript of the conversation indicating that I " knew '' this was going to be a Hard Inquiry and they refused to provide the evidence to me. As a result of Chase 's Hard Inquiry, my XXXX score dropped XXXX points. I use my XXXX score for mortgage loans as I rehab houses for resell. This has effected my ability to obtain favorable interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Below is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from XXXX XXXX XXXX XXXX, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX Extension XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up ) '' The collector also called me at my office. He then disclosed he was calling about " Loan Me. '' He stated the balance that he said that I owe telling me it was charged off XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended XXXX XXXX college between the years XXXX-XXXX. I did graduate with a XXXX XXXX degree and a minor in XXXX. I was given the most expensive loans before given the federal loans. I owe Navient $ XXXX in private student loans! I should have never been approved for this amount. I find myself extremly XXXX ALL the time! I ca n't live with this dept anymore. Two years ago, on or around XXXX or XXXX, I recieved a phone call from a Navient representative telling me that they would send my mother, who is a co-signer, in jail if I did n't pay up. At the time I had not maid any payments because I was still in school. I was attending XXXX XXXX XXXX full time. After almost tow hours arguing on the phone, they placed me on a plan to only pay {$480.00} a month, this ONLY covers the interest! No payments have gone to the principal. They also warned me that if I miss a payment, I would for sure go to jail. They said that if I chose to go to court I would have to pay for Navients lawyers and their time! Is there ANYone who can help me with this? I am going out of my mind!

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 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 information incorrect

Complaint: Capital One incorrectly and unfairly reported me 30 Days late for the month of XX/XX/XXXX on my account ending in XXXX. I moved from XXXX to XXXX last XX/XX/XXXX. Shortly after, I called capital one and informed them of what my new address is. I was advised that my account/information has been updated. I am not enrolled in estatements/paperless billing nor enroled in autopay. I just mail in check payments with my statements. I just found out that not all of my account was updated to the correct current address. Having two accounts with the same company, all my accounts should have been updated and furthermore, I was advised the first time I called them that the address on the accounts has been updated. I made a payment to them last XX/XX/XXXX for the full balance and a representative updated the address just last XX/XX/XXXX. I should not have been late for that month if only my address was updated. It is the creditor 's obligation to update my information with the current and updated information provided to them. They violated the Califonia Credit Report and I am suffering greatly because of these.

Company response to consumer: Closed with explanation