milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Debt collection (Federal student loan debt) with GREAT LAKES (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Complaint against XXXX XXXX XXXX XXXX acting on behalf of Great Lakes Higher Education Guaranty Corporation : Account # XXXX.
I have contacted XXXX XXXX XXXX several times in regards to repayment arrangements for a student loan. I have never received a return phone call to discuss repayment options only threatening letters and emails.
Now I have been sent another letter stating they have reported this debt against my credit.
XXXX XXXX XXXX does not answer their phones. The few times I have managed to get a live person, I am transferred to my " Account Representative '' to leave yet another voice mail for someone that never calls.
The only things I receive are threatening letters that they will damage my credit, garnish my wages and take my Tax Return.
These things have already occurred. I have all documentation, dates and names. I need confirmation that someone will actually look into this complaint before spending the time scanning, faxing and uploading documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Other transaction issues

Complaint: I have an account with the Paypal service, the service works by allowing me to transfer money into an online account then pay for things online that accept Paypal payments. I have had this account for many years, and the way it always worked I had to wait for the bank to transfer the money into the Paypal account, it took between three and five days to complete my transfer of money, and if I did n't have the money in my paypal account I could not purchase anything with the account. I was using this account to pay for my phone bill with XXXX XXXX, I allowed XXXX XXXX to acces my Paypal to pay my bill monthly, I decided in XXXX of last year to stop the subscription on my XXXX XXXX phone, I attempted on line to cancel then went to my paypal and as a measure of insurance to cancel my Virgin subscription I made sure ther were insufficient funds in my account with Paypal. When a request came to my Paypal account from XXXX XXXX Paypal instead of refusing the payment since I had insufficient funds decided to go into my checking account without my permission and pay XXXX, and they did on the day they requested payment, I called Paypal and requested a copy of my authorization for Paypal to remove funds from my checking account without my direct or even my indirect consent, XXXX XXXX XXXX agreed toreturn XXXX of the XXXX payments that were made before I caught what they were doing, Paypal XXXX that there is no problem since they did not profit. I do not agree with their assessment that there is no problem, for XXXX this is a huge problem that they would give a company access to my checking account without my approval. for any reason, and that they not only transferred the money without my approval, but they did it in XXXX day, something they would n't do for me, and that Paypal even paid them when if I had put in a request for payment above my Paypal balance would be refused. I am so angry about their complete lack of respect for me as an individual and the courtesy they extend another company, even if they have to steal my money to make XXXX happy. I still have XXXX charge of {$44.00} that XXXX wo n't refund, and I think that Paypal not only owes me for that XXXX payment but I think there should be some form of punishment to Paypal for such an obvious overreach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Dear Sir/Madam, I am contacting your bank in regards to your practices. Citigroup had wrongfully accused XXXX XXXX XXXX XXXX as a conspirator to steal from his father by making purchases by using his charge card. XXXX XXXX did not even have access to XXXX XXXX 's card and has severe XXXX. Your bank has damaged XXXX XXXX 's well-being by forwarding his information to the XXXX XXXX Police Department. Our federal agency is not inclined to release any evidence against your bank. If Citigroup wishes to see the emails, it must contact XXXX XXXX XXXX. Citigroup must write an apology letter to XXXX XXXX XXXX XXXX for accusing him for committing fraud. Citi must also notify the police and reverse all charges against XXXX XXXX XXXX XXXX. It is not illegal for a father to pay his son 's bills, especially because he has a XXXX. XXXX XXXX XXXX XXXX is a model citizen and is an ambitious college student. He did not have any credit or any liabilities. If Citi creates further problems for XXXX XXXX 's family, we will file an enforcement suit against your company. We have also advised XXXX XXXX to close his card if any further problems were to occur with your company. Furthermore, Citi must welcome XXXX XXXX XXXX into a banking relationship with the company as a compensation for the damages he suffered. We appreciate your cooperation in regards to this matter. 
Sincerely, XXXX XXXX XXXX Senior Advocate XXXX NJ CONSUMER AFFAIRS FRAUD DIVISION

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: As a result of the Equifax data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I have been charged overdraft fees and checks have been returned on my account causing more fees fro m other companies too also charge me fees for reprocessing the checks that have been returned. Huntington Bank states that they give you 24 hours grace but they do n't. In fact one day they gave me no notice at all : returned a payment to my credit card company and charged me a fee & this was all on a Sunday ( not  even during banking hours. Also- I am signed up for text alerts, email alerts, daily balance alerts, etc. I was not notified of anything in advance. Only after the fact. I was charged  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  by Huntington Bank and then  XXXX  dollars by  XXXX  for redeposit of checks tha t Huntington had sent back without notice and without 24 hour g race. I had tried to buy something with my debit card & I had been approved to go into the negative on my debit card was declined - the branch manager returned  XXXX  overdraft fee  one tim e because he said that was wrong- but I still had to pay the  XXXX  dollar fee to  XXXX   XXXX .  Huntington  refused to heed my complaint so I thought maybe you could help. Is n't this false advertising?

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I opened a loan with Santander XXXX XXXX, I put 8k dollars down on a $ 13k car and noticed that my interest and payments were never reflected on my account correctly. Due to an illness I was out of work and struggling to make my payments. Santander repossessed my car several times making me pay large sums of money in order to get vehicle back that never went towards the balance owed on the vehicle. My interest rate was set at 28 % for a XXXX vehicle. The last time it was repossessed in XXXX they sold the vehicle at the auction. I am still being told that I have a balance of {$5200.00}. I owed a little over 7500 dollars at the time of repossession and the vehicle was sold for XXXX XXXX XXXX value of $ 4k. I feel like my balance would be less but it seems to be increasing every month. I have attempted to settle with them to have my account rectified or settle in order to clear my credit and to purchase another vehicle but have had no success. I would like my account information and payments, interest etc to be checked for accuracy and then i would like my account updated and would like to settle with Santander for the amount remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I received XXXX consecutive 30-Day Lates with Nation Star Mortgage when I paid my mortgage on-time. Nationstar did not notify me that they placed an Escrow account on my mortgage which increased my mortgage about another {$250.00} in which I was unaware. As I paid my normal mortgage amount on time each month, Nationstar took my payments, put them in a holding account, deemed me as unpaid and issued me XXXX 30 day lates and they refuse to remove them. Attached is my proof of payment of both mortgage and property taxes. I need help getting them to deal fairly with me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to view my credit report or score online through Equifax or through any other third party. Equifax has blocked access from me being able to monitor my credit report for identity theft or fraud. I have been a victim of Identity Theft and need to be able to monitor my score and report for any fraudulent activity. I have called and been transferred around and have dealt with nothing but rude people. I have been very courteous and polite when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient claims that I have loans owed to them through University XXXX XXXX XXXX in 2007, which is false and I have all the documents that support that I never used FA for University XXXX XXXX XXXX it was through my work, and I attended that school way after that year. When I sent a letter to them explaining the incorrect information. They still sent another letter saying that this is for University XXXX XXXX XXXX. After numerous attempts to resolve this false claim, they sent notification that it was University XXXX XXXX. This lender has no idea what they are doing and are not even sure which school I went to. They have my balance at over {$32000.00} now, but I am not even sure this is true. When I called the first time, the representative had no idea what school and she was unable to answer me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: American Express cancelled my XXXX XXXX XXXX cards and replaced it with a XXXX Card. The day I received my new XXXX, I saw an Offer on American Express 's Website stating " WELCOME OFFER Earn {$150.00} Back after you spend {$1000.00} in purchases on your new Card in your first 3 months. You will receive {$150.00} back in the form of a statement credit. '' Thus I telephoned American Express and asked for the Preferred Blue Cash Rewards card, and was approved over the phone, and sent this new card. At the time of my request I did not have this product, and also never had this product. Since I qualify for this offer according to American Expresses published terms, this officer should be added to my account, but American Express over the phone has stated the offer is only for new customers. The publisher offers terms does not state it is only for new customers! Please contact American Express, and let them know that I did qualify for this offer. 

The Terms of the offer state " OFFER TERMS Welcome bonus offer not available to applicants who have or have had this product. 

{$150.00} Statement Credit To qualify for the {$150.00} statement credit, you must make purchases with your Blue Cash Preferred ( R ) Card from American Express that total {$1000.00} or more within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ) .The statement credit will be applied 6-8 weeks after the spend threshold is met. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the {$150.00} statement credit, your Card account must be active, in good standing, and not in default at the time the statement credit is posted to your Card account. For questions regarding your Card account, please call the number on the back of your Card. American Express reserves the right to modify or revoke offer at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with Armada Corp. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company that I have never heard of is using my home address apparently to conduct business and has a court judgement against them that has been turned over to a debt collector. Several months ago we had our mailbox broken into and mail stolen from us and I suspect there is a connection. ( This incident was reported to the Postmaster General )

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: SunTrust bank is charging me an account fee of {$25.00} a month. This is contrary to the agreement in place, based upon my overall relationship with the bank. I have complained about at least XXXX times and they take off the fee, but then the charges come back. I should n't have to call and complain every month. SunTrust should have adequate accounting systems in place to abide by their own policies and fee schedules. A recent statement is being submitted as an example.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2016 about Debt collection (Credit card) with The Bureaus, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent XXXX letters ( attached ) to the Bureaus Inc. asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor - XXXX XXXX - bearing my signature. I have never received that. They sent a doc showing that they bought a bundle of debt from XXXX XXXX, and they claim XXXX XXXX is the original creditor but that is a lie. XXXX XXXX is the original creditor. Where is the original contract with my signature from XXXX XXXX saying I ever agreed to pay an assigned debt collector? They obviously do n't have it so they are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX XXXX is the original creditor, let 's see a contract with my name on it from XXXX XXXX. It does n't exist because XXXX XXXX is not the original creditor. This is not about whether or not I ever had a XXXX XXXX credit card. This is about whether or not I owe the Bureaus Inc. any money, and they have shown me no proof that I owe them one dime. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, the Bureaus is breaking the law by negatively reporting me to the Credit Bureaus. This is my last and final attempt to allow them to remove this item PERMANENTLY from all XXXX credit bureaus before I file a claim in small claims court in XXXX XXXX where I live, for $ XXXX. They will have to fly out from Illinois to deal with this and incur great costs and they will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When my loan was switched over to Navient i was never told that i had a deliquint balance because with XXXX i did not. When going to purchase a vehicle i discovered my credit score had been dropped from the XXXX into the XXXX. I have been faithful at paying my student loan. I was told that Navient was the company i had delinquency with. I contacted Navient to resolve this issue you and kept being told to just contact the credit bureaus and expalin the situation and maybe they could help me. I was so angry that i just hurried and paid the balance off and then after tried to dispute the delinquency with the credit bureaus. I have had so much trouble bringing my credit score back up.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed an unrecognizable inquiry reporting on my Transunion credit report. I immediately contacted the bureau and spoke to a customer service agent who placed a fraud alert on my credit report to prevent any further fraud from occurring. I asked him to dispute the fraud inquiry and he told me that he did. I am not sure if he was telling the truth but the inquiry is still remaining on my credit report and has not been removed. 

Transunion XXXX XXXX XXXX XX/XX/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 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notifications it has been over 30 days and have received no update original letter dated XXXX/XXXX/2016

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 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credence Resource Management, LLC phoned cell, then home. Asked for last XXXX of my SS #. Say I owe {$54.00} for a cell phone, yet I have never had that cell number. I phoned the provide, XXXX XXXX XXXX, who confirmed I do not have an outstanding balance nor had that cell number. Credence also sent a letter to my home soliciting info. When I called them, they again asked for last XXXX SS #. I think this is a scam and am about to call the police.

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