milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Loans were not put into forbearance when told numerous times that I am unemployed and have been for XXXX years. Some employers do credit checks now and these loans reflect badly preventing me from getting work in order to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (I do not know) with USI Solutions Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have checked my credit report and I do not have any delinquent, unpaid or unsettled debts. USI Solutions ( of which I see has a slew of current complaints against them ) has been harassing me, my boss, my husband and my husbands parents with threatening phone calls and calls at night, morning and all day long. 

They have found our cell phones, house phones and addresses and I know that is illegal. 

Years ago I settled a few bills and I think they bought that old debt and are trying to collect. 

I do n't know what to do to stop them

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account is on my credit report, Does not belong to me, I called XXXX and was told there is nothing that can be done today, I have to mail a letter to their consumer affairs department. There are multiple accounts on my report, as well as employment info and address info I will continue to call the creditors in effort to get the false info removed Account Name XXXX Account # XXXX Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Foreclosure proceeding started I have attached a copy of some of my Credit Report from Experian. I have never lived in XXXX Oklahoma, any info regarding that is false

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 12/21/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: This is a Macys XXXX XXXX card which means it has XXXX lines of credit. The XXXX XXXX card portion is due on the XXXX of the month. I have enrolled in Autopay through the XXXX website and have a confirmation of enrollment email but no payment came out for XXXX. When I called up yesterday to ask why it did not come out, I want to keep my account and credit in good standing, no one would speak to me. They keep telling me that the Macy 's portion of the credit card is overdue! I have that statement and it says {$3.00} were due for a paper statement request from the previous month. That request had been a misunderstanding and never should have been sent out. On XXXX XXXX, 2016 I called the company and the woman waived the fee, making my balance {$0.00}. The balance Macy 's is trying to make me pay now is from a purchase I made but is showing up on my XXXX statement ( which I was able to access online ). 
They tell me the {$3.00} amount on my account was credited to the wrong statement so that my account is still considered overdue. I have gotten XXXX help over the phone from Macys. They transferred me to the Recovery department who immediately understood me and saw everything I was saying reflected in my account. Unfortunately, she could n't help me and sent me back over to Macy 's customer service line who proceeded to ignore my issues. I have spoken to 4 different people and departments. No one will get me a supervisor. I need help because I am going in circles. No one can even tell me if this is effecting my credit report. The credit dept they sent me to tell me they can not assist because the account is past due after speaking to someone who just gave me their number and assured me the credit was applied.

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 02-07-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments

Complaint: Due to a previous issues that occurred with XXXX fraudulently debiting my XXXX XXXX XXXX count multiple times creating a cascading problem with other creditors.. 

Ultimately, XXXX XXXX XXXX absorbed these charges, fines, fees ... etc, however this matter with XXXX XXXX and XXXX XXXX XXXX  have been left without resolution. I'm asking that this matter be rectified with the same resolution earlier applied.. 

XXXX XXXX transgressions should be settled with XXXX, as was previously done and left out of this agreement with previous complaint.

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 06/21/2017 about Debt collection (Medical debt) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted American Adjustment Bureau on several occasions and told them I am disputing all charges from XXXX XXXX. I have asked for a statement of all dates and amounts owed which they have not provided me. I need originals from this company. They are trying to over collect money from me. Now I see it is on my credit reports. I want this removed off my credit reports. I told them I dispute the charges, and I am NOT paying.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed a reporting bankruptcy that is n't mi ne 3 wi th times. They continue to verify it saying the court furnished the information. I have sent a copy of the letter from  the Clerk of Court  in  XXXX  SC stating they they do not furnish this information to CRAs. She also states that they do not keep complete social security numbers. I would then like to know how it 's possible they verified this information when the court simply states they do not provide this information to them. They are in clear violation of the reporting act and not fully verifying information they are reporting.

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 01/19/2017 about Debt collection (Federal student loan) with AES/PHEAA (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was in school and was involved in a XXXX accident where I XXXX and could n't work and was offered a partial scholarship to XXXX at the school but that was no longer an option after the accident. I could n't go to school cuz I was in a hospital out in a different XXXX in a XXXX. After I started to recover I was in so much XXXX. I was in and out of XXXX the financial hole I had dug myself .The late fees I had occurred in that time period of recovering it has seriously damaged my credit and has made moving on with my life extremely difficult from car loans to home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Closing/Cancelling account

Complaint: XX/XX/2016, I received a letter from American Express informing me that it has decided to close my credit cards account due to a charge that occurred on XX/XX/2016 that involved XXXX for {$6200.00}. American Express believes that the charge was submitted by a merchant with which I associated with and it believes that no goods or services were rendered by the merchant in connection with this charge activity. I state that this claim is false, since I did purchase windows from XXXX and I do not own or have any association with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (IL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: SunTrust Bank located in XXXX, Nebraska XXXX XXXX. XXXX XXXX has open without my permission account No : XXXX and they issued PIN XXXX. 
SunTrust Bank has opened two more accounts in XXXX, Tennessee XXXX. Accounts ends with number XXXX and XXXX. 
There is now way to talk to SunTrust representative in USA, all calls are redirected to XXXX or other country. 
SunTrust had used my Social Security number and personal information. 
I have never asked or gave permission to open any types of accounts at SunTrust Bank. 
Would you please help me to solve Identity Taft by the SunTrust Bank. 
SunTrust Bank SunTrust Bank XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX XXXX, TN XXXX Phone 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 (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loans are not consolidated so the total payments on the loan is way more than I can afford. I was told that I can not pay them down one at a time but had to pay them all at once. I went into forebearance because I could not afford the payments along with my daily living expenses. Even when my income was submitted in hopes of receiving an affordable payment, I was advised that I would need to pay XXXX per month to avoid default. I can not afford so forebearance was suggested. I went into foreberance and my loans have increased a whopping XXXX over the course of one year. I am digging a hole that I can not seem to get out of no matter how hard I try. Most people attend college as a means to better their life and make more money but if you have to pay all of the additional money you are now making back to student loans, what is the point of furthering your education? I grew up in a home where my parents could not afford for me to go to school. So I had to take out student loans and I am now regretting my entire decision to return to school. I have children that will be going to college within the next 10 years and with the amount that I owe, I will be unable to afford for my children to go to college and thus the vicious cycle begins again. I need help. This system is unfair to those who grew up less fortunate than others.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: 1 ) Refinanced home mortgage XXXX, XXXX. Closed early XXXX, XXXX 2 ) The original loan had an impound account which continued with the loan refinanced by XXXX XXXX XXXX XXXX, XXXX ). 
3 ) The XXXX XXXX refinanced loan was sold to Chase who took over in XXXX, XXXX. 
4 ) Much to my surprise, I received a delinquent property tax bill ( with a penalty charge ) that was due in XXXX, XXXX. I did not understand why Chase did not pay this as I have been paying into this account throughout my original mortgage and it was always paid on time. 
5 ) Subsequently, I received a surplus check from Chase for {$6300.00} which obviously was from my funds that should have been used to pay this same XXXX property tax. 
6 ) I feel that when they bought the loan, which included the monies I have been paying into the impound account, it was their obligation to make sure the tax bill was paid on time. 
7 ) I contacted Chase and was transferred from an employee who admitted it looked like Chase made a mistake and should pay the penalty to his supervisor who was evasive and would not take action to rectify or investigate the problem. 
8 ) I paid the tax bill since it was already delinquent and XXXX XXXX should be paid. 
9 ) My lawyer sent a demand letter to Chase but they have not replied. They have simply ignored my request to work out a solution to a problem they created. 
10 ) I would like Chase to at least pay for the penalty charge incurred and it would be nice if they had the courtesy to admit their negligence. My hope is to be treated FAIRLY as a consumer and not disregarded, especially since it is evident they had my funds and did not meet their obligation and instead created a bill that I did not know of until it was delinquent. 
11 ) I will try and attach documents to show evidence of what I am describing. 
12 ) Please contact me with anything needed to clarify my dilemma. 
Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently contacted experian to dispute XXXX identical accounts on my credit report from XXXX and XXXX. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to Lustig, Glaser and Wilson asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. XXXX, I believe is a fraudulent collection agency that works under several alias such as Lustig, Glaser and Wilson and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for XXXX account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (GA).
Issue: Managing the loan or lease

Complaint: I had a BMW 640i on a 36 month lease term with BMW Financial Services as the first payment on XXXX/XXXX/XXXX following by 35 payments due on the XXXX day of each month. 
On XXXX/XXXX/XXXX, I traded in the car and leased a new car from the XXXX BMW XXXX ( a BMW dealer ). The BMW dealer told me that they will take care of all the paper work with the BMW Financial Services and pay off the remaining balance for the car. 
A few days later, I notice that another {$860.00} monthly lease payment was deducted from my bank account on the car I already traded in. I discussed with the BMW dealer and was informed that either the BMW dealer or the BMW Financial Services will refund me the payment in 6 weeks. 
After XXXX months, this has n't been resolved. I wrote a letter to the BMW Financial Services to state the situation of the transaction and I should not pay for XX/XX/XXXX since I did n't own or have no possession or usage. The BMW Financial Services informed me that the {$860.00} monthly payment was withdrawn through electronic auto pay on XXXX/XXXX/XXXX, and dealer payoff statement already included this payment. They indicated that there was no refund since there was no overage in the account which was already paid off and closed. They told me to discuss with the dealer as this was between me and the dealership. 
It is now XXXX XXXX, after numerous email and phone communications with the BMW dealer and the BMW Financial Services, both of them denied to refund my payment. 
It is very clear that the BMW Financial Services withdrew the {$860.00} monthly payment on XXXX/XXXX/XXXX while I traded in the car on the same day and the BMW dealer was the new owner from XXXX/XXXX/XXXX and after. Since I have informed the BMW Financial Services these facts, the BMW Financial Services should correct the payoff to reflect the proper ownership of the car and refund me the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: I have XXXX checking accounts with Citizen Bank. XXXX is a primary that has a XXXX plus balance anther is a older account that was setup for direct pay of utilities balance usually {$1000.00} or less. The bank suggested that I cancel the utilities direct withdrawal. I did cancel the utility direct withdrawal. The bank also suggested and demonstrated the online bill pay feature. I went on my online account and started paying bills online. When you click the pay bill online button it does NOT give you the option of which checking account to to with draw from, it just chooses which ever account it wants. On the next screen the site just defaults to a checking account it calls " default checking account '' showing just the last XXXX numbers which on the the main page shows just the last XXXX. This is where it gets misleading and confusing. You see the terms " default checking account '' and XXXX digits. If your not looking closely you can start paying bills like its your primary checking account. I started using bill pay with smaller bills and seemed to work fine. Then I started paying bigger bills and it over-drafted XXXX times in two days due to using the incorrect account number that the system defaulted. In my case it defaulted to my non primary utility paying checking account and rang up {$170.00} in fees which Citizen would not credit. It never gave me the option to CHOOSE a account initially and then defaulted to an account I never use and has insufficient funds. If the system defaulted to a specific checking account it should have defaulted to my XXXX account which it did not. I believe that bank defaults the pay bill feature to the account with less funds in it. Citizen could not give me a explanation for why the system defaulted to the secondary account and cost me {$170.00} in fees. All they can say is that the you can change the account after the SYSTEM CHOOSES a account for you. I want to CHOOSE my account not have the system default to which account it feels like. 
I feel that this is happening to others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: Supposedly the fraud department sent original cards to my Illinois address that was returned due to me no longer living there. The verification department is outsourced and their English is poor, which makes things worse when dealing verification, fraud and sensitive matters. When I called to update my account, they took my new address and even just sent me a statement, but have not sent the cards and have told me to look out for a letter in the mail. I have received a statement and no letter. When I call they tell me that they can not give me information ( except if I want to make a payment ) because they are locked out of my account. The customer service reps have hung up on me ( or the call was accidentally disconnected ) when I request to speak to management. They have been very unprofessional in their verification process which involves me getting the phone number of a person in my home ( when I 'm the only one home ).

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Texas Guaranteed (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid off my defaulted student loan with Texas Guaranteed last XXXX 2016. I just received a credit alert from my credit monitoring service stating that Texas Guaranteed has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX wrongly reported to XXXX XXXX sale of vehicle XXXX, same year my hubby XXXX XXXX ... Having Asked both XXXX & equifx to remove from hard inquiry % acct as My son was to purchase for me but before any papers were signed, As we sat there, I called him to relate fees, finding he could not help me trade in my 15 yr ole ' XXXX XXXX XXXX So NO papers were signed. Papers were wronlly sent to XXXX. 
When Contacting XXXX in XXXX, they say they have no acct # yet they do not cancel here in my XXXX acct. last wk, reporting again to XXXX XXXX, both are off my XXXX acct. but not eXXXX.etc.. I pray I may be able to get a small loan to purchase a new home when I find the right one. & trade in my now 17 yr ole ' van..I Thank You. 

What I owe now & diligently paying on is for having improved a home I was lied to about condition on purchase, Because of seriously repairing & $ conditions, my ins. co dropped me, credit was damaged etc. & & i am still paying for w/my good XXXX Have Up graded & Sold that unloved house & purchased a lesser value home..Please help clear my good name.

Company response to consumer: Closed with explanation