milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Upon graduation college following the 6 month no repayment period, I started making payments on my loans without having full-time employment. It got to a point my loans were not being paid. I reached out to  XXXX   XXXX  now  Navient to go ov er options. I was told my only option is Forbearance which delays my repayment plan and their favorite mantra " We will bring your account to current ''. I received a very brief description of the plan. After looking over the loans I noticed my loan almost doubled over time in interest. I was never told or contacted about other income based options, forgiveness plans, or just help managing my interest at all. I understand I have an obligation to pay back the debt I have borrowed. The company also has a obligation to operate in good faith in their dealings the clients. Not mislead, coe rce, or blatantly operate in a manner to encroach on individuals. My account was placed in forbearance over 5x and  accumulated a large amount of interest. Coming out of college and trying to find a career while paying for housing and living costs are tough. Especially when you add to a higher than normal unemployment rate and employers looking for experienced workers. This process was made tougher in my personal dealings w ith Navient. Since then my credit has suffered and have been in a perpetual cycle of low credit score and high interest on simple things like financing a phone or getting a car loan to drive to work. All thi s due to  XXXX  open line items on my credit which consist of  all ( loans ) in negative standings. I write this to inform you of the deceptive practices by Navient and the long term affects it has had on students, parents, individuals both past and present.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: in 2008 my wife inquired to bank of america for a equity line of credit. I was not present at the time of the transaction but I did come in to sign the paperwork. I believed my wife so I signed the paper so as time went by we stayed current then XXXX we fell we were mislead and under informed about the true nature of this loan and its structure of double intrest.Thank you for your time and consideration of our matter based on the market. We contacted the bank to see if we could come to a better resolution .We sent taxes form everything they asked for and were denied at every attempt they would do nothing. So I am writing you for help we paid interest for the first part of the received a letter saying our payment would increase from {$360.00} to $ XXXX the time of the transaction the loan officer explained to my wife that there would be a slight increase loan now the payment as increased and there 's interest on that payment as well. I

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 10/25/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: There was fraudulent activity that took place on some accountsthat were not at my discretion which resulted in them closing

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Despite three written requests to TransUnion that they are reporting inaccurte information, the two unverified accounts, ( XXXX XXXX and XXXX XXXXXXXX XXXX  ) remain on my credit report in violation of Federal Law. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? I also advised TransUnion that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified or reporting 100 % accurately. TransUnion is reporting a XXXX XXXX account as a {$300.00} FHA loan with a chapter XXXX bankruptcy status. This account dose not belong to me. TransUnion is also a XXXX XXXXXXXX XXXX account with a Chapter XXXX bankruptcy status.

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 04/23/2018 about Student loan (Federal student loan servicing) with National Enterprise Systems, Inc. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: After filing a complaint against National Enterprise Systems ( NES ). I proceeded to call the us department of education on the suggestion of XXXX XXXX, XXXX and NES. The us department of education agreed that the loans in question don't match my information other than the Social security number. I explained that i had ID fraud twice in the past 20 years. 
All my loans for my education have been accounted for with the US Department of Education for the years i went to school. XXXX XXXX College, XXXX ( XXXX ) & XXXX ( XXXX ). The school, the name, the year and the address do not match y name or address for those years. The loan for XXXX is under XXXX. I didn't meet XXXX until XXXX and we married in XXXX how could i have his last name in XXXX. My address in XXXX was : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called NES back to share the information and then the lady began to lie and twist things around. so now the story at NES has changed again. Then she began harrassing me and trying to force me to say that i am voluntarily double paying on this loan. I am not, they are forcing me and they are taking more than the contract agreement. 
They have deceived me twice.

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 03/31/2016 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (DE).
Issue: Taking out the loan or lease

Complaint: Coastal Credit LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXXXXXXXXXX ) has refused to let me pay off my vehicle and report to the credit bureaus that it has been paid. They said they will not provide me with a letter saying that it will be paid. I want to know that if I make this final payment that it will be reported to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Mortgage (Other mortgage) with Allied Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Allied Servicing Corporation, a debt collector, is attempting to foreclose on property that my family has superior interest in. Allied Servicing Corporation has not provided any legal documentation authorizing them to collect on this alleged debt. They have not provided me with any proof of a recorded mortgage assignment authorizing Allied Servicing Corporation to act on behalf of any creditor for this alleged debt. 

At this time, I am formally disputing this alleged debt and requesting Allied Servicing Corporation to provide me with the following documents in accordance with the Fair Debt Collections Practices Act ( FDCPA ) : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this alleged debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Medical) with Advanced Collection Bureau, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have a collection on my credit from advanced collection for {$24000.00} from   XXXX    XXXX . i have tried to contact both agencys and was told they could not provide me with any documentation where i authorized these charges or have any knowledge of being charged for this or what they are for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Credit card () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Closing/Cancelling account

Complaint: I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and TransUnion still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and TransUnion and XXXX came back with both credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.

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 04/27/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Notice of Change of Interest Rate On XXXX XXXX XXXX, the Federal Reserve announced their decision to increase the US Prime Rate by 0.25 %. All Peaks loan contracts includes a variable rate tied to this index and therefore, effective XXXX XXXX XXXX, interest rates increased by 0.25 %. The increase in the interest rate will cause your payment to re-amortize resulting in a slightly higher monthly payment which will take effect for any payments which billed after XXXX XXXX, XXXX. 

www.peaksloan.com.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: A garnishment was erroneously placed on my bank account XXXX legal fees were assessed for the order by the bank. The garnishment was lifted and all associated fees reversed aside from the legal order fees. Due to the erroneous nature of the garnishment, I want my fees reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Rewards

Complaint: I have a Chase Amazon Rewards Visa. I placed an online order with a combination of points, credit card and gift card visa. There was an issue, so I cancelled the order within minutes of placing it and then placed a new order. 

Chase deducted rewards points for XXXX orders - XXXX for the cancelled order, as well as XXXX points for the new order. They refuse to credit the points back for the cancelled order, blaming XXXX. This is not on XXXX 's end. XXXX never made a charge, they actually never fully charge until an item ships. 

I had no trouble using my 3rd party gift Visa on the replacement order - again, because XXXX had never made a charge. Chase, however, refuses to correct the points balance despite contacting them and explaining the situation multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Payday loan () with ACE CASH EXPRESS, INC. (MA).
Issue: Can't contact lender

Complaint: Received a letter in the mail from civil complaint services on behalf of Ace Cash Express. Letter identified me as the defendant and stated that I was being charged with fraud and for debt collection. Letter stated that I could call their XXXX number to resolve matter or I would be served papers. I do n't recall having a payday loan through this company and if I did, this is the first letter I have received about it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I did review on the company midland credit management and they had no good reviews. I do n't remember owing the said amount to the actual credit card company but they claimed that 's what i owe them. I feel i owe half of that. They also tried really hard to get a lot of my personal information which made me feel really uncomfortable. They gave me no payment options rather just told me how much I have to pay and when i am going to have to pay it. Then he gave me the address where to mail the payments and it clearly says on the letter not to send the payments to the address he gave me. I am afraid to pay this company for my debt, I feel i will be wasting my money because the reviews they have are awful and they are not XXXX accredited. How do i avoid dealing with them and make a payment to someone who matters? My account manager was an XXXX man that i could barley understand and I 'm unsure if this is even a legit company. I feel because they have my social security number, they that can do bad things to me over such a small debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank of America ( BofA ) just assigned a new account number, as there was a " data compromise at a merchant where you do business ''. BofA customer service representative state that the Bank does not know which merchant 's data protection measures were inadequate. Apparently, the XXXX organization does not report that to BofA. XXXX simply reports the account numbers that were - or may have been - compromised. My question is simply. Can CFPB compel XXXX to disclose to cardholders the name of a merchant, whose inadequate data security led to the account compromise? I want this information, as I do not want to do business with any company, that has inadequate data protection measures. I have no concerns about financial liability for any fraud : the law shields me. I simply want to be able to re-direct my business away from those, who do not grasp the paramount importance of data security.

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 03/15/2016 about Payday loan () with Big Picture Loans, LLC (TN).
Issue: Can't stop charges to bank account

Complaint: Castle payday -aka- Red Rock Tribal Lending, has continue to take money from my checking account that I do n't remember authorising.They say it was for a XXXX XXXX loan which I was to pay XXXX dollars a month.I do n't remember making this loan, but it was on my bank statement, so I thought maybe I did.I have paid them for the last seven months and they say I owe more.Can you help? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I opened a TJX account and in XX/XX/XXXX the account was sold to Synchrony Bank, at which time the account number was changed and a new card was issued. I began receiving statements under the new account number. In XX/XX/XXXX my husband paid off the balance on the account. I received a statement that said there was a balance of roughly {$150.00} remaining which I paid {$120.00} from my XXXX XXXX XXXX bill pay account. This account still reflected the old account number and somehow reactivated that old account. Instead of crediting the {$120.00} to the new account number the old account was debited {$120.00} and I began receiving statements claiming I owed {$120.00} and that the balance was past due. Although I know this was a mistake, I attempted to make payment so that my credit would not be ruined until I could get the issue resolved. The payments were returned to me stating that " no such account existed ''. I spoke to Synchrony Bank on multiple occasions and they assured me that they had rectified the problem and that I did not owe them an monies and that the account balances would reflect that. I last checked both accounts on XX/XX/XXXX and the old account reflects a balance of {$2.00} and the current account reflects a balance of {$120.00}. I have not made any purchases on this card since it has been paid off. They can not justify the charge of {$120.00}. I am seeking resolution in this matter before harm is done to my credit score. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: I recently set up an account on VENMO and have done a couple of small transactions between $ XXXX {$100.00}. Then two days ago, i had a payment that was being sent to me for {$2800.00}. I accepted the payment and attempted to transfer the funds, but then received an email from VENMO that said the following " Your Venmo account has been suspended due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please reply to this email with a picture of your unexpired US government issued photo identification to begin the review. '' I had no idea what the issue was, but sent a picture of my ID immediately. Then I called them and tried to find out what was going on and spoke to a CSR who informed me that they could not see any details on my account, that it had to be handled by an " account specialist '' and that they would be back in touch within 3-5 business days! I asked to speak to the account specialist, but they said they do n't have phones, and only correspond via email. I could n't believe it and pushed to speak to a mgr and after being on hold for over 30 minutes, a mgr came on the phone and said that they would expedite my request to the account specialist and would ask that they contact me. I waited all day and then at XXXX last night, received an email stating that they could not resolve the issue because " I had not sent a copy of my bank statement '' No one had told me or asked for my bank statement in their previous communique and to be honest, I do not feel comfortable sending it. I then went online and did some research and saw hundreds of complaints posted saying that VENMO kept their money and never gave it back and the amounts all ranged around {$2500.00}. They talked about the same issues i was dealing with, with no answers, no way to reach anyone that could assist and no resolution. I now suspect that what they do is " flag '' any transaction that is in that {$2500.00} range and use any excuse to hold the funds. Imagine if they are doing this to millions of people? 

If they have some kind of rule that is violated ( unbeknownst to the parties involved ), why not stop the transaction, not accept the funds and let the two parties involved know that it wo n't be going through? Instead what they do is TAKE the money, and then hold it in their accounts and not give it back to the person that paid the funds nor do they give it to the person that is owed the money. That seems highly illegal. 

I would appreciate your assistance in helping me get this resolved. Not just for me, but I believe there could be a major scam going on here, with millions of people using VENMO and it needs to be brought to light. 
thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Struggling to pay mortgage

Complaint: We have been working with a third party short sale processing firm in order to complete the short sale of our home. Chase has refused to review the short sale for approval without the approval letter from the junior lien saying that they are willing to accept {$1500.00} to release the lien. 

The third party company has worked hundreds of short sales where these mortgage banks WILL review the short sale with a preliminary HUD settlement statement WITHOUT having any settlement letters from the junior liens, 2nd mortgages, HOA 's etc. 

Not only that, but they have worked with Chase in short sales before whereby they have NOT asked for the junior lien, 2nd mortgage, HOA etc approval letters BEFORE reviewing it themselves. 

The third party company has already escalated the issue within Chase with multiple managers, the Military escalation department, and the Consumer Advocacy department to no avail. This needs to be completed now.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

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 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This debt has not been properly verified. There is no contract with my signature per request.

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