milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015, I contacted Navy Federal Credit Union regarding the Line of Credit and talked to XXXX, customer tepresentative and also requested to speak to her supervisor, XXXX. Arrangements were made that I was supposed to make less than {$330.00} a month. XXXX told me that I am being charged {$190.00} for the interest rate and I told her that was high. I told her that am being overcharged and that I already made arrangements to pay the Line of Credit. I had made this arrangements because we are in a fixed income and both retired. I was not satisfy with her providing the information so I requested to talk to her supervisor XXXX. He did n't seem to assist me at all instead he corrected me went I said the supervisor and he said I am A supervisor which is unprofessional and he had a bad attitude. I told him I will file a complaint to Consumer Financial Protection Bureau and he said go right ahead. He then said I will make sure your loan goes to Collection. Prior to this, I was going to make my line of credit {$230.00} which was online. Apparently, I pay my bills using the Navy Federal Credit Union. I disagreed with XXXX and he did n't assist me at all. As a supervisor, you need to assist the customer not threaten or retaliate by telling me that he will make sure my loan goes to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with DIRECMANAGEMENT, INC. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On X/XX/2017 I reached out to the following companies asking them to prove and send documents that I owe this amount and until this day I have received nothing! They repeatedly called me and other family members requarding this situation. If you say I owe this debit send the all the documents stating I do. I have to right to see everything you say you have against me. It has even been law offices calling and writing me about these debit. The companies are as follow XXXX XXXX {$1700.00} XXXX {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Applied for Ocwen Loan Servicing Settlement for Misdated Letter Claim in XXXXX 2016. To date no resolution. Bi-monthly phone calls to XXXX yield the same scripted response " under additional review ''. Called Ocwen directly and customer service rep responds that my claim is not showing in their system for review or status.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been disputing the provided information to me regarding the amount of this account since it has been presented to me by the company. Most recently, I was contacted to be included in the FTC lawsuit against XXXX for it 's cramming discovery. I have since registered and have been validated as a customer with unauthorized charges added to my bill.

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 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/XXXX I applied for an American Express Business Gold Rewards card under through a mailer that I received that offered XXXX points after spending {$5000.00}. By XX/XX/XXXX I had  spent {$5800.00}. Upon looking at the Membership Rewards that I was going to be receiving, it was greater than XXXX points that I would receive. Unfortunately, I accidentally made 3 payments to my Credit Card through the wrong bank account, which caused those payments to be returned. ( These payments were in advance, my statement had not yet closed, and my previous statement was paid in full already ). American Express put a hold on my account and shortly after closed my account. I first made contact to get my account reinstated trying to explain what had happened, with no prevail. I then was in contact with American Express Membership Reward support between XX/XX/XXXX and XX/XX/XXXX, in concern for the Membership Rewards that I was promised to receive. One American Express representative assured me that if I paid off my statement I would receive the points I earned after my statement closes, and I would have to call the American Express number in order to redeem those points. After calling today, XX/XX/XXXX, I was now informed that my points are forfeit because my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01/14/2018 about Checking or savings account (Savings account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The events happened on XX/XX/XXXX and XX/XX/XXXX. At that time I had four separate. accounts with the XXXX XXXX XXXX Branch of SunTrust Bank. Sometime on or before! XX/XX/XXXX at  least three of my accounts were accessed and plundered by an outside entity, and money was moved between those accounts in the amount of {$2000.00} to help perpetrate a Scam. When I contacted SunTrust Fraud Department they promised to look into the matter and report back. My main contatct at Suntrust was XXXX XXXX XXXX, Senior Fraud Investigator. XXXX XXXX spoke with me personally, but subsequent attempts to speak with him were blocked by his staff. I waited patiently for some resolution until XX/XX/XXXX when I wrote to XXXX XXXX complaining of lack of progress or contact. Soon after that I was contacted by one of his staff who said that the Bank could accept no responsibility for not protecting my accounts and blamed the incident on the earlier XXXX hack.!! 
I find that response to be totally unacceptable, and surprisingly irresponsible for an institution based upon the premise of safe keeping of its ' clients money. I also find that the only contact I had with the the bank on this unfortunate matter was entirely verbal with not even an e-mail from the Bank. 
To me the issue is quite clear - the Bank failed in their frequently pledged basic task of keeping my money safe. My accounts were plundered, irrespective to what happened to the money, and as such they should be held responsible, and repay me the funds that were lost as a result of unlawful access to my accounts by an outside party.

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 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no knowledge of XXXX accounts that have appeared on my credit report. I have filed disputes/investigations with TransUnion and XXXX. I believe I am a victim of identity theft. One of the accounts has an open date that would mean I was XXXX years old at the time. I most definitely never opened an account at XXXX years old.

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 10/25/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a small private student loan with American Education Services with XXXX. 
My loan is in good standing and I make regular payments well above the minimum and have an auto-debit feature for increased payments. 
On XXXX XXXX, 2016 I entered XXXX. 
On XXXX XXXX, 2016, AES processed an automatic enrollment in a deferment without my knowledge and against my best interest since I was at least a XXXX student. 
I immediately protested on the very next day and asked for the deferment to be removed since I intended to make payments regardless of my status as a student as is my right. 
An agent of AES contacted me via email and claimed that it was in my best interest to have the loan in deferment, since the loan was subsidized and I would not pay interest. 
I responded immediately via email that the loan was not subsidized and a deferment was not in my best interest because not only would the interest accrue but I would lose the rate reductions in place on my automatic payments and the loan interest rate itself would rise because they charged more during deferment periods than payment periods. 
The agent claimed that was not true but they could process a removal of the deferment. 
I responded via email to reverse the deferment, it was not in my best interest. 
Another agent responded via email that I was in fact right, and they could reverse the deferment and put my loan status and payments back as they were, but they would not accept any more email communication and they would not correct the loan status until I write them another communication via post. 
The loan is small, the rate is small, and the interest charged in violation is small, so It would not be in my best interest to escalate to the point of damages, but these agents have fiduciary responsibilities to service accounts in the person 's best interest and can not change the considerations to the agreement to best fit their bottom line especially when a violation like this is immediately caught, protested, and a request to return to a payment status is made.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have private loans as a cosigner with Navient. I am retired and they make me pay {$400.00} a month barely able to make it and now they want to raise my payment by {$200.00}. I have tried to come to a deal with them but every time I send papers and call them with my proof I have, they tell me they never received my papers by fax. I get multiple letters threatening me if I do n't pay and multiple phone calls by them. I have tried talking to them over and over and nothing helps. As for my daughter they did the same to her always saying they never got the papers we sent to try and get into the income based repayment program even telling us we failed to get in because we did not submit the paperwork on time even though we had fax papers proving we did. This was after multiple times they only offered my daughter the ability of forbearance and not income based which we later found out about. They also threatened me for XXXX of my loans if I did not pay they would put a lien on my house and they told me to pay using certain credit cards I had. Info I never gave them access to. They forced me to pay {$5000.00} and I would be fine. Then I get a call I have to pay {$300.00} for another loan even though I was told once I paid the XXXX I would be ok only to find out that it only applied to that loan. On top of that as we went through this whole ordeal the loan doubled and tripled from its original amount and its ridiculous you ca n't find someone to work with and the deal for XXXX is only for 15 months then for my XXXX other loans I got a letter stating that I agreed to a three pay forbearance option which I never agreed to that part and never even heard of a three pay forbearance program before till I got a letter stating the deal for the XXXX that I had to constantly call in order to receive the letter as proof I did pay the XXXX. It is not justified that the loans are increasing based on navient not cooperating with me and my daughter. The loans now cost more then my house. I want a resolution in which my loan balance is what it should be and not triple what it is now when I have done everything to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit card () with DISCOVER BANK (OH).
Issue: Billing disputes

Complaint: I disputed a charge with Discover Card. My wife canceled an order with XXXX before the phone rep. placed it because she did n't agree with the tax. The phone representative assured her the order was not placed. Two day later a charge from XXXX was on my card. 
I disputed it because she told them not to place the order and she has never received the product / order as of today. The charge was {$17.00} ( XXXX of XXXX ) installments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: that a computer glitch that was TransUnion 's problem - not yours - caused your inquiries to be deleted. TransUnion later added them all back onto your credit report without giving you the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. This all took place in the last 45 days these inquiries add a hardship and that your rights were violated by TransUnion. Please help me make TransUnion stop victimizing you. as a resolution that all of

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 09-09-2016 about Debt collection (Medical) with ESCALLATE, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XXXX as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older XXXX through the bureau in XXXX and then this new XXXX pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old XXXX, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XXXX and report date of XXXX, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Through XXXX I received notice that there has been a hard inquiry on my TransUnion report from XXXX in XXXX, WA XXXX XXXX XXXX XXXX XXXX. 
Neither I nor anyone in my family has had any contact with XXXX and have not authorized them to institute a credit check. Our mobile service is through XXXX and we live XXXX. I would like this removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This debt was included in a bankruptcy years ago!!! It has already been deleted from my XXXX credit report and still is showing on my Equifax credit report Ive called many times and no resolve!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Bank of America on XX/XX/2018 withdraw {$1200.00} from our checking account for a credit card charge off. The charge off is from an Corporate Account issued credit card. the account that the funds were taken from was a completely different account ( husband and wife/XXXX XXXX acct. ). We received no letter or notice that this was or had transpired. We are also going to receive overdrafts due to Bank of America taking these fund from our 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 09/20/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Unauthorized transactions/trans. issues

Complaint: I have an American Express Serve card that I use as a budgeting tool. For the last year I have setup daily deposits from my XXXX bank accounts into my AMEX XXXX card for {$180.00} daily for a monthly total of approximately {$3400.00}. I then use their bill pay option to pay my rents and bills with these funds. On XXXX XXXX i logged into my account and discovered most of my money was gone with XXXX foreign transactions totaling XXXX that appeared to take place in XXXX. ( I have never been to XXXX ) My card was never lost or stolen and is stored at home in my safe since I do n't use it as a traditional credit card, but as a bill payment budgeting tool. I contacted American Express immediatlly and spoke with their fraud department who helped me change my password, pin and security question. The also cancelled the card and ordered me a new XXXX. They reassured my that my money would be returned to me within XXXX7 business days and that I would be contacted by a fraud specialist in the next two days via my phone. I waited a week with no response or activity, so I called again on XXXX XXXX, 2016 and had to repeat the same procedure again with a different fraud agent, who again said someone would notify me in a couple days and that my money would be returned within XXXX7 days. On XXXX XXXX, 2016 I attempted to log into my account and check the balance only to discover i had been locked out. I again called American Express who informed me that my account was closed due to some breach of contract and that my case was denied and I would not be credited with the stolen {$1000.00}. In addition they froze approximately {$2000.00} that was still in my account and said they would return it once my account had no activity. They will not communicate with me and inform me my only option is to write them a letter. I have a family of XXXX and they have put us in a very precarious position by not blocking these obvious fraudulent charges in XXXX and now closing my account and freezing my access to my {$2000.00} balance. I am not sure how I will pay my bills this month and am facing a 10 day eviction notice due to them taking my {$3000.00} and putting my family in a position where we can not pay our monthly bills. Ive filed a police report as they instructed but they still will not talk to me since they denied my case. Please Help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (NJ).
Issue: Account opening, closing, or management

Complaint: To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately.

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 04-07-2016 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: We attempted to get a VA mortgage from New Day XXXX and after 6 weeks they just were not a able to get their act together and move to the Processor. So we switched to XXXX XXXX. Now XXXX XXXX needs the VA Appraisal and New Day XXXX is refusing to release the Appraisal to XXXX XXXX and we may miss our closing date. New Day XXXX just is not responding to our requests.

Company response to consumer: Closed with explanation