milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have told navient on multiple occasions and have submitted proof that I am a XXXX, yet they keep harassing me during work and school hours with phone calls and emails. I have complained before that they will initiate contact without checking my enrollment status. This has happened at least 3 times. Their staff will not listen to me when I tell them I 'm a XXXX and they will not stop calling and emailing unless I report them, even though I 'm a XXXX. I have informed them on multiple occasions that as a XXXX, you do n't make loan payments, but the harassment will not stop. It 's causing unnecessary amounts of XXXX and I ca n't get work done or pay attention in class if they are constantly calling and emailing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/, I selected a balance transfer offer at XXXX XXXX XXXX XXXX XXXX with my preexisting Barclays Commence credit card for {$8800.00}. The terms very clearly stated the following : 0 % Annual percentage rate for 15 months 3 % Balance Transfer Fee ( {$5.00} minimum / no maximum ) This month, much to my surprise, I found an interest charge on my credit card statement associated with this {$8800.00} balance transfer. I called customer support and escalated to a supervisor and then another manager, all of which told me the offer I described was not available on my account currently, so there was nothing they could do to honor the offer I described. There is no way I would have signed up for anything other than a 0 % balance transfer offer, especially consider that I had several other of these offers from other non-Barclays banks with my preexisting credit cards. 

So far, I have paid the original 3 % balance transfer fee of {$260.00}, which was expected. The fees I have incurred that I should not have incurred based on the 0 % balance transfer I signed up for :XX/XX/XXXX INTEREST CHARGE {$19.00} XX/XX/ INTEREST CHARGE {$110.00} The support team at Barclays said they would have their technical support team review whether or not there was a glitch on the system, and that this would take 30 days. In the interim, I will be charged more interest fees. The support person didn't seem to think it was likely that this would be ruled in my favor, so I'm basically stuck with Barclays telling me there's nothing they can do.

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 08/23/2017 about Debt collection (Medical debt) with Unlimited Progress Corp (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In reviewing my credit reports, I found 19 collection accounts listed on my reports, all from a company called Creditor 's Discount and Aud. I have never received any notification or communications from this company. I also confirmed that this company does not have a Texas surety bond. I recognize the original creditor that is listed for 18 of these accounts as a doctor 's office where I was briefly treated in XX/XX/XXXX. My total bill for my brief treatment ( 3 office visits ) was around {$3000.00}. I entered an auto draft payment plan and paid that bill down in XX/XX/XXXX. Now, this collection agency, Creditor 's Discount, has listed 18 new collection accounts on my credit reports as of XX/XX/XXXX for a total of {$7000.00}. Again, I have never been notified of these accounts or my right to dispute them, they just showed up on my credit reports. There are two accounts for {$2000.00}, two accounts for {$130.00}, eleven accounts for {$140.00}, two accounts for {$430.00}, and two accounts for {$200.00}, all from one doctor 's office. These accounts are obviously duplicated and inaccurate. There is also one account for {$500.00} from a dentist office, that I am not aware of. I spoke with a representative at Creditor 's Discount to gain more clarification on this situation and she stated that they can not mail me anything or call me because I live in Texas and they are not allowed to collect in Texas, as there are only a few states where they are allowed to collect. I mailed a debt validation request, but will not receive a reply, because Creditor 's Discount can not mail me anything per their representative.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XX/XX/XXXX a inquiry dispute letter that I wrote to TransUnion ( tracking number XXXX XXXX XXXX XXXX XXXX ) was received by them. In the letter I explained that the following inquiries were not authorized by me. I asked that TransUnion remove the unauthorized inquires from my report and they refused in a letter of response, stating that the only way to remove inquiries are if the inquiries are not authorized ... ... .My letter clearly states that they were NOT authorized. Inquiries listed below ( please remove inquiries- use the DATE as a reference. 
XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Trying to reach discover credit card services showing i was denied credit due to delinquent accounts not the case no delinquent accounts on any of my credit files all 3 .very upsetting to receive mis information saying for denial of credit.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (I do not know) with Meridian ARG Inc. (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have received repeated calls and voicemails from a company claiming to be Cambridge Asset Management. The voicemails threaten some type of legal action and threaten to attempt to find me at my home and place of employment. The name of the individual they reference in the messages is not mine.
I received calls and voicemails from this group on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 2017. Each time I have returned these calls and advised that I am not the individual they are looking for and requested that I receive no further calls. Each time I was advised that my number was removed and that calls would stop within 48 hours.
On my most recent call I spoke with a XXXX XXXX who claimed that I had never contacted this group as they had just opened the file. She later stated that I had received several voicemails from XXXX XXXX, but that no return calls had been logged. She advised that she would remove my number. When I asked to speak with her supervisor as this was the same information I had been given in my previous calls, she ended the call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Bank is fraudulently having attorneys XXXX pursue a foreclosure sale on my home when Chase has no interest in my home I have letters stating this but they are still trying to sell my house. The bank and law firm are STEALING MY HOME how does the justice system allow this to happen. They presented fraudulent documents and affirmed documents that were fraud. I have sent letters to the Attorney showing Chase no longer has an interest in the property Chase states they are NOT PROCEEDING WITH THE FORECLOSURE yet the law firm says they are on behalf of Chase. XXXX who was the servicer after Chase also sent me letters and stated that they are NOT PROCEEDING WITH THE FORECLOSURE.Yet this law firm claims to be doing it for Chase and they wont stop until instructed to by Chase who retained them

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: I lost my job and was trying to find a way to work with my bank considering my line of credit. I told them I had trouble paying the minimum payment. They told me they could n't help me if my account was current, and that in order to get help, I need to owe a payment. So I did that, and then they told me I could n't qualify to get a loan or to get help because I had a delinquency. Now I am stuck, and I still can not afford the payment. I have complained to customer service, and even went into a branch where the representative was given the run around by their own customer service. I was then told in so many words that I ca n't get help until I get out of a " dead end job ''. As if I have n't tried! Then this same institution gave me an overdraft fee the same week that their exec got a ton of money after frauding people over products they did n't ask for.

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 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a unique situation that I find completely bizarre. I have contacted Citi on numerous occasions to stop transferring {$560.00} from my Checking account to my Citi Advantage Credit card.I have called, I have used online chat, I have even written and NO ONE from this company will help me. It seems like such a simple thing to turn off but everyone keeps telling me they are manual transfers. I have n't lost my mind. I am not transferring {$560.00} myself every XXXX of the month. I have screenshots to show the manual transfer page that has no history of the {$560.00} transfers. I have screenshots of my bill pay page that shows no bills to my credit card. I have screenshots to show I have no auto-transfer and no auto-pay set up between my checking account and my credit card. Every time I contact them, they do not take me seriously. 

I have yet to receive a response to my written complaint that I sent via first class mail. I would n't be surprised if they denied ever receiving it. It 's a shame because I have been a Citi customer for nearly 10 years now.

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 10/17/2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loan is handled by XXXX of Texas. My XXXX XXXX is been garnished and also IRS has sent them, XXXX of my taxes. I filed this from XXXX in full these was added to XXXX. No one can tell about these monies. My balance of my student loans are XXXX. In other words I have over paid them. And I need a letter from XXXX. XXXX. of XXXX letting me out this default loan. Seems I am paying two companies. Which I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: 1. Hunter Warfield sent me a letter to collect application fee and reservation fee for their client : XXXX. 
2. XXXX is an apartment renting and management agent in XXXX XXXX, to which I applied an apartment to rent in XXXX online, however I never got any reply from XXXX to either accept or reject my application. Later on they charged me for application and reservation fee, which I requested them to present me any legal documentation signed by both parties, which they failed to do so. XXXX then decided to send this case to the debt collection service Hunter Warfield. 
3. Once I got the debt collection letter from Hunter Warfield, I sent three certified letters to Hunter Warfield to respond and present me any legal documentation which proved that I owned XXXX any fees, Hunter Warfield never replied my requests. 
4. Due to my international travel and a potential impact on my credit while I was traveling, ( this was clearly stated in Hunter Warfield letter to me " This debt has been reported or is scheduled to be reported to one or all of the following XXXX national credit reporting bureaus : XXXX. If your debt is reported to the credit bureaus this could adersely affect your credit. ) 5. I then filled their debt collection letter with my credit card info for the charge, alone with a letter clearly stated that they needed to reply my request on providing me legal documentation on the debt before they could charge me on my credit card. 
6. Couple of weeks later when I came back from my international trip, I did n't receive any legal documentation on the debt Hunter Warfield claimed that I owed, but Hunter Warfield had charged my credit card.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been a customer with  XXXX   XXXX   XXXX  for 4 years now. I have always had internet service with them. Last year in  XXXX , my credit card was shut down due to fraud and that caused my payments to be late with my internet service.  XXXX   XXXX   XXXX  shut off my internet, and I had to re-establish my account with them after I resolved the issue. When they re-established my account, they opened up  XXXX  accounts simultaneously for the same address. I managed to get them to close  XXXX , however I was unaware of the second one that was still open. I got a message saying that I owed {$93.00} on this account. I disputed it saying that I never consented to this account being opened in my name. I had several people inform me they would remove it from my account and that it would take a " few billing cycles ''. In addition to dealing with this account, I had an offer to open up another bundled account with a home phone to reduce my current  XXXX   XXXX   XXXX  internet service bill. I did not want to have the home phone, however they opened it up in my name without my consent anyways. Now I have  XXXX  accounts,   XXXX   opened without my knowledge, and  XXXX  now having gone to collections. The home phone was charged to me as {$110.00} and the other internet for {$93.00}, all the while, I have current internet service with  XXXX   XXXX   XXXX  at my address that I am paying on time each month.  XXXX  have gone to collections. My  credit score  was  XXXX  and is now  XXXX . I am currently disputing   XXXX    delinquent accounts but not getting anywhere.

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 05/31/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Certegy Check Services wo n't approve or accept any of personal checks for payment of services or products due to my personal information being used fraudulently. I have sent numerous letters and police reports to Certegy Check Services informing them someone used my personal information and stole my identity to write checks in my name. I am a victim of identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I earned reward points on my XXXX XXXX XXXX Card. Those points became available on my account on XXXX XXXX. I applied for an XXXX XXXX XXXX card in XX/XX/XXXX. Because of Platinum card signup fraud, UNRELATED TO MY ACCOUNT, XXXX XXXX froze all of my reward points including those I had earned on my Gold card. I was not informed of this freeze. I did not receive any communication about it whatsoever -- no phone, emails or texts. I called XX/XX/XXXX to resolve this issue. The customer representative had told me that my points were frozen as of XXXX XXXX and my account was under review for 6-8 weeks beginning XXXX XXXX. I called again on XXXX XXXX to get a status check on the account review. This time the representative told me it is under review 6-8 weeks from XXXX XXXX, when I had called in. I called in again today, XXXX XXXX, and was told that I reached my spend threshold on XXXX XXXX and that my account would be under review for 6-8 weeks from XXXX XXXX. Every time I call in, they push my review out further and further. I am frustrated that 1. I was not informed that my points were frozen, 2. I can not get a straight answer of why my account is frozen and when to expect a resolution. 3. no where in my cardmember agreement does it say they can freeze points on an account unrelated to the one they are investigating and 4. the flight I needed to book with these points is no longer available. This is costly to me because I will have to book the ticket with cash ( which costs more ) and the seats are no long available so I will have to take an additional day off of work to travel.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my credit file dated XX/XX/XXXX, 2017 I received an update to my XXXX credit report from XXXX XXXX. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called Experian and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to XXXX XXXX in order to get corrected updated information, and XXXX XXXX REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation

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 06-08-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting XXXX XXXX XXXX this was paid in full they sent me the title to my car 4 weeks later and I sold the car 4 months later with a clear title. Then I fine XXXX XXXX XXXX saying I owe them money that is impossible I paid this and already sold the car. Please help me get this deleted

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I never received any written information about wage garnishment, so I was unable to response. The day my employer received the information I called and reached out to  USA Funds and they said they are n't able to help rehabilitate my loan or stop wage garnishments. They do not want to help and I ca n't afford these payments. I wo n't be able to pay my bills or rent for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Home Depot Credit Card ( issued through  Citibank ) t o inquire about a possible credit limit increase on my account. I asked the rep repeatedly  (  have a recorded call validating this ) if there would be a credit inquiry on my report for the credit limit increase request. She stated NO, there would not be. I asked her if she was sure and she put me on hold and then came back and once again reassured me that there would be NO hard credit card inquiry put on my report. She went ahead and processed the limit increase request BASED SOLELY ON THE FACT THAT THERE WOULD BE NO HARD INQUIRY and at the most a soft inquiry, this is the ONLY way that I agreed to let her do it. She then tells me that she has to transfer me to another department so that they can get more information and " verify me '' to further processing the request. When I reached the second representative, I asked again for him to confirm that there is NO hard inquiry, this rep says YES there is a hard inquiry, it was already done by the first rep and that there is always a hard inquiry with there company. Very upset, I told him that I had just been lied to about the HARD INQUIRY by the rep who first handled my call and transferred me to him. I also asked him to get the hard inquiry off of my report because in addition to being lied to about it, I absolutely did NOT authorize it. I told him to cancel the limit increase request and do not go any further with it due to the deception that I had received. In fact, we never even got to discuss the increase or verification or whatever the purpose the call transfer was for. We only discussed the Hard inquiry being removed and the fact that the rep had just lied. He ( second rep ) did apologize on behalf of the first rep and stated that he put in a request to have it removed and that I would get a letter in the mail in 10 days. This all took place on  XXXX / XXXX /  XXXX  . I have never received that letter. The inquiry is still showing on my report as of today. I also called back about  2  weeks ago and was told the same thing. Still waiting. A week ago, I submitted an online request and no one has gotten back to me. Still waiting. The hard inquiry that I did not authorize has affected me negatively and has dropped my  credit score . And no one gets back to me about it. I would like it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation