milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Id theft victim XXXX XXXX police report number 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 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In XXXX I was enrolled in XXXX XXXX XXXX and seeking to attend a trade school in Georgia in the XXXX. The school was XXXX XXXX 's XXXX XXXX, which appears to no longer be in business. It lacked a useable school code as they were not a college or university. I sought financing through Sallie Mae as was advised to me. Due to the lack of XXXX XXXX, Sallie Mae had informed me that I should use the XXXX XXXX for the XXXX XXXX I had been attending, even though I would not be enrolled there in the spring of XXXX. Being XXXX XXXX XXXX, and believing I was being offered real help, I took their advice. Sallie Mae encouraged me to take their money and spend it elsewhere. Following my completion of the technical training I received in Georgia, that institution was unable to offer me options for job placement assistance. Upon seeking employment independently I found I was under qualified. I have not been employed full time in the field I studied. As well, since XXXX I have experienced several financial difficulties, and was encouraged by Sallie Mae to put my loan in to deferment and/or forbearance each time. While I was informed that forbearances were limited, I was never informed by Sallie Mae that should I find myself unemployed ( as is my current situation ) that there is no help they can offer me. Essentially I received a predatory loan from a company that was willing to let my account collect interest, forbearance fees and not encourage payments, and refuses to offer assistance to the unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (AE).
Issue: Deposits and withdrawals

Complaint: I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX there was a fraudulent ATM withdrawal for {$2800.00} from two ATM machines. I have contacted my local branch to file a claim and even changed my debit card, after which I was given a provisional credit for the full amount. Few days later the claim was reversed and all credits were taken back. Later it was explained to me that the reason the claim was reversed is because the debit card has a chip and it is impossible to duplicate it and now it is our problem. I was told by the bank to go to the police station to file a report so they could access the ATM cameras. I did file the police report and was told that it would take up to three months. 
On XX/XX/XXXX-XX/XX/XXXX someone has deposited a fraudulent check in my checking account and then made an ATM withdrawal for {$2900.00} and a purchase for {$750.00}. Again, I have contacted the bank and filed a claim. The funds were returned and then reversed some time later. I then went to my local branch and spoke to the manager. The manager has contacted a claim department and then explained to me that, apparently, someone has called on my behalf impersonating me and started to complain about the debit card saying that it was damaged and want to request a new one along with the new PIN number. The request was granted and a new debit card along with the PIN number were sent to my home address. The problem is that I have never received anything in the mail. It seems that someone has intercepted my mail and got all the information and the debit card. This way all my money were stolen from all my accounts. The bank has admitted its fault and still does not want to refund my lost money. I was given the provisional credits numerous times and they were all gone after a few days. It was a back and forth game. I have tried to contact my branch manager but nobody is doing anything to help me get my honestly earned money back, and it seems that the bank does not protect the funds I have entrusted it with. 
P.S. 
My savings account was also affected by the fraud. The money were transferred from and to checking and savings account by some unauthorized person. A bank employee has closed the savings account and due to this I no longer have online access to it to see the transaction history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The contents of my letter to the XXXX of Navient XXXX XXXX, President and CEO Office of the Customer Advocate XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX, Todays letter will reflect the extreme dissatisfaction and frustration which is the result of trying to deal with your system and get credible information from the customer service personnel whom answer the phones. Those of us at the other end of the phone and inquiry deserve much better. As a taxpayer I am beyond mad. 

Since the beginning of this year, I have spoken to more than XXXX separate customer service individuals, and have not received that same answers each time. I followed the instructions as they were given and the results now in XXXX have not moved the chess pieces XXXX square. The issue is attempting to consolidate XXXX loans, reduce payments and go on being responsible for our obligations. 

That has included a long set of forms to be filled out, as I was told could not do this online. These forms which include my personal tax information, my personal banking information as well as pages of personal answers to personal questions. 

These were mailed to XXXX, PA the first time in XXXX. No change in the statements. A call in XXXX to XXXX, when I was told, " oh you should have faxed them to us, that will be quicker ''. Filled them out again... faxed in early XXXX. No change. Phone call yesterday in which I was given another completely different set of instructions, have to go through student loans.gov... essentially start over. I stopped XXXX right there and asked where are the other documents with all that personal financial information. " No idea '', he said. 

Imagine my astonishment. That 's XXXX sets of information which anyone could apparently access and then I am screwed. 

So... XXXX XXXX... what would you do? Your organization is unable to provide simple answers. I expect and frankly demand action and real answers. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have a credit card with Chase XXXX XXXX XXXX and on XX/XX/XXXX I made a purchase using the card. On XX/XX/XXXX I paid the balance off in full but rounded up so that I overpaid by XXXX cents. My XX/XX/XXXX statement showed that I had a XXXX cent credit and no further payment was needed. I then did not get another statement till XX/XX/XXXX, this statement showed that I had a purchase for XXXX cents eliminating my previous XXXX cent credit bringing my balance to {$0.00}. I called Chase customer service and spoke with a lady who said they only identify by their first name and no employee number, her name was XXXX. she told me it was Chase internal policy to take back anything under XXXX dollar and this information was not written or posted anywhere for me or any other consumer to see. She wanted her supervisor involved as I was asking questions she did n't know, her supervisor, XXXX said that what they are doing is not illegal. They take back anything under XXXX dollar and keep it until claimed. They offered to credit my account. I asked how can they take back my money and keep it until I claim it but not inform me that is the policy or notify me that I have money that needs to be claimed? How is this not illegal and unethical? How is this not a company wide plan to steal many cents from millions of their customers as most do not know or realize they need to call to claim money that was removed from their accounts and or how many millions of people do n't bother to call and spend an hour on the phone to claim their cents back? How is this not a class action lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My corporate account as majority owner was closed by a bookkeeper withdrew approx  XXXX  from   XXXX   XXXX     XXXX  NY put stop payments on multitude of checks and rewrote them after depositing $ $ into a new account in  XXXX  MA BOA without my name and under a fictitious EIN from another state. Later personal accounts at BOA were attacked with my addresses being changed so as I would not receive statements. And my name removed as signer on a personal joint checking. My identity completely stolen. Will never be regained. Further on my corporate CC was separated from the pack and  BOA  discharged my balance off to my personal. This is a second attempt as  BOA  should have an open investigation but nothing heard. More than likely it went in the trash.  BOA   XXXX  is a corrupt institution like I 've never seen before.

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 11/18/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Without my consent Navient has been charging me ridiculous amounts of money and auto-drafting it out of my account. I have told them numerous times NOT TO AUTO-DRAFT, but somehow my loans are still in auto-draft mode. The interest for my loans is {$420.00} if I do n't make any payment on the principle. However WITHOUT MY CONSENT Navient has been charging me anywhere from {$640.00} to {$890.00} a month without telling me which payment I will have to make. When I tried to contact them about this I was literally forwarded, maybe a 3 way call and the rep hung up on me, to XXXX XXXX XXXX XXXX. 

Every time they say they are going to stop this behavior the do not.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with CORELOGIC INC (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with I.C. System, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from I.C. Systems dated X/X/17, in regards to a delinquent debt from XXXX in the amount of {$56.00}. This is completely incorrect! XXXX had initially set up my account incorrectly and they closed my original account to fix the incorrect account, which is the account in question, and rolled over any amount due to my new account number. I am in good standing and have paid in full every month! I called XXXX and a very nice woman was able to resolve this matter for me and confirmed this was a XXXX error. She advised I file this complaint against XXXX so this does not negatively impact my credit. XXXX gave me a Reference # to confirm the delinquent amount of {$56.00} should NEVER have been charged at all or turned over to collections. This amount was incorrectly charged in the first place. I have had nothing but problems with XXXX from the very beginning and they have been unable to fix problem after problem! This is the last straw turning me into collections for THEIR error! They are an absolutely ridiculous company and I am sad I am currently stuck in a contract with them bundled with XXXX XXXX. What a horrible experience! I am happy to provide any account and reference numbers needed for this situation. 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 explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address

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 01-08-2017 about Credit card () with BARCLAYS BANK DELAWARE (CT).
Issue: Delinquent account

Complaint: I pay my bills online through XXXX. I always pay on time. This is the 4th time in the last year that Carnival Master Card has claimed my payment is late and have charged me a late fee. Each time I have caught it and they have reversed the late fee as I have proof from my bank it was received on time. I think they are hoping people will not look at their bill and not see the late fee. They tell me I should send in my payment at least 5 days early to avoid this problem. The lady claimed the holidays might have made the processing take longer. I say that is your problem. You received my check, the processing time is your fault.

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 11/30/2017 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Was told entire payoff amount and deadline. 
Sent payment in full. 
Was called back by agency and told i still owed money beyond the payoff. 
That the agreed to amount was not approved Trying to charge me thousands more.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient failed to inform me of income driven option for nearly 5 years, pushing me toward forbearance, which added thousands in interest being added to my loan. Also there is a {$60000.00} jump added to my loan in one lump sum!? Navient refuses to explain why an additional $ XXXX was added to my loan, failed to inform me about income driven and continues to add interest, -and compound it. Thank you for your assistance. How do we become apart of the lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has reported to Equifax that we opened an new account. We have not opened any new mortgage account. Our mortgage was with XXXX/XXXX which dept is paid satisfied and paid in full. Which XXXX was faxed and mailed several time. An investigation into the matter was all ready done and XXXX was supposed to have been removed and blocked from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: For the fourth time, XXXX XXXX XXXX XXXX has given my identity and private information to another collecting agency. I have solved disputes due to collecting agencies ' and XXXX XXXX XXXX XXXX 's failure to verify debt. 

On XXXX XXXX, XXXX, I received a letter from Phoenix Financial Services LLC demanding XXXX dollars. 

The account number is XXXX, Creditor Account Number is XXXX, Original Creditor is XXXX XXXX XXXX XXXX and date of alleged service is XXXX/XXXX/XXXX. The letter informs that XXXX XXXX XXXXXXXX XXXX XXXX, current creditor, purchased the account and has placed the account with Phoenix Financial Services LLC for collection. 

So, for the fourth time I do not owe such debt because I never received such services. 
I am disputing the above-referenced debt. Please verify this debt as required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Section XXXX ) and New York City Administrative Code ( section XXXX ). New York City regulations require all debt collectors to send specific written documentation verifying the debt. Under section XXXX of the Rules of the City of New York, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, I AM A VICTIM OF IDENTITY THEFT and according to the information you sent me I never received such service for which Im being charged in the first place. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the XXXX and the XXXX XXXX XXXX XXXX 
Aside from verifying the debt, do not contact me about this debt. The XXXX and Rules of the City of New York ( section XXXX ) require that you honor this request. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My complaint is about www.annualcreditreport.com. XXXX worked fine ; Trans Union said they were having technical difficulties and I had to request the report by snail mail. XXXX also said I had to request the report by snail mail. XXXX particularly asked identify questions that were such ancient history or so trivial I could not get them 'right '. For example, we had a loan with Bank X that was then bought out by Bank Z, but I could not remember when the buyout was so I got the answer 'wrong '. This is hardly the way to get accurate information to prevent oneself against identity theft!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with both transition and XXXX about an account from XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Other financial service (Credit repair) with S Foreman & Associates Inc (MD).
Issue: Fraud or scam

Complaint: In XXXX of 2015 I contacted XXXX XXXX from S. Foreman & Associates about Credit repair, I paid her {$100.00} a month for 6 months and has seen no results on my credit report, I emailed her on Thursday, XXXX XXXX, 2015 to let her know that I no longer need her services and to refund me my money with in 10 days or I was going to report her to the FTC and the Consumer Financial Protection Bureau, she send me an email back on XXXX XXXX, 2015 to proceed the way I wish cause no laws have been broken. I called the Commissioner of Financial Regulation to find out if she was licensed and was told that it 's an application pending and that she is not suppose to be doing any type of Credit repair until the license is approved. She has also called XXXX posing as me which I did n't know until she sent me the email telling me she contacted them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation