milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loan which was with XXXX was originally consolidated to lock in at 3.1 % rate, now that navient took the loan over, they are stating that my loans are in fact not consolidated even though I have a letter from XXXX stating this. They also recommend that I can now consolidated my loans with navient in order to let wee my payments but higher rate than what I had locked in originally. Case manager ca n't seem to explain to me how my loan became unconsolidated during the navient take over. How can my loans became unconsolidated?? I feel it 's unfair that I have to consolidate my loans again at higher interest rate to avail lower loan payments.

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 Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has comeback with a reply to complaint ID XXXX. If XXXX were actually the servicer of the loan at that time and the info they supplied in their response is accurate, they admit that the account was retroactively made current for the months in 2011 that  are reported as late. If this is correct then XXXX needs to then retroact and retract the derogatory statements for that time period because they would in fact be erroneous if the account was in forebearance as XXXX stated in their response. XXXX 's own words attest to the fact the accounts were made current. I have supplied the portion of XXXX reply that substantiates this fact. I am asking that the historical data correctly reflects the proper period of forebearance on my credit reports. I am also asking that the derogatory statements be removed as they are in fact incorrect according to 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 12/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ESM Enterprises (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The check assist people in XXXX Florida contacted me about some checks I had written and she was treating to have me arrested for a bunch of charges that I have never comeited, she also said that if I did not cooperate. With her in finding someone else that she was going to have me arrested on more charges. I think that this is a very deceptive tactic.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08/19/2015 about Credit card () with U.S. BANCORP (WA).
Issue: Billing statement

Complaint: US Bank issued XXXX credit cards to my business. Each card had a separate statement, balance, credit line, reward program. After a few months the cards were XXXX declined. Paper statements and online banking XXXX showed in excess of {$15000.00} credit available between the XXXX cards. The bank asserted that the total corporate credit was {$16000.00} and the balance was maxed out. Multiple bank employees looked at the account and reported that there should be plenty of credit still available. After calling around they then returned to say that there was only {$16000.00} credit total rather than {$16000.00} per card. 
In the process of applying for the cards, the business also applied for a line of credit through US Bank. Under the advisement of the business banker we requested {$25000.00}. It was denied because we had too much credit with US Bank. We were advised that as long as we were under {$50000.00} we should qualify for the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have student loans through Navient formerly XXXX. I have received no help from Navient for the past 3 years since having my bankruptcy discharged. Before filing the bankruptcy, I was dealing with XXXX once discharged I had to resume payments to now Navient. I have been threatened continuously, told that I have exhausted any deferments or forbearances ( all done prior to the bankruptcy ) and was just told that my payments were going to go up even with me renewing the 'income driven repayment plan '. They do not currently have my current earned income. Mid-year last year, I changed jobs. I am making less money than I did at the time of the last application. I heard on the news about the Feds coming in and suing Navient for being dishonest in how they apply the payments. I am currently trying to get away from Navient and applying for a loan consolidation and loan forgiveness through the US Dept. of Education. I need help. I have been paying on this loan with no help from Navient, money is tight due to my health and finances and every time I deal with Navient, I start to cry. There is no need to add undue XXXX to what I am currently going through. The school is no longer open that I attended 20 years ago. I really need your help. Are you able to suggest a servicer who can help me? According to the US Dept. of Education, they can not give me much information. I have to wait for confirmation of my social before applying online through studentaid.gov for my loan consolidation. I have to pick a new servicer and would like to make the best decision possible for my situation. My current payment is {$190.00} due on the XX/XX/XXXX of every month and Navient has threatened to increase it to over {$400.00} by XXXX. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I contacted your about Equifa/ removing XXXX points from my credit report also I recently contacted Equifax also and they said that it could have been a number of things which caused the decrease. I today looked at my Equifax report and saw that they have removed all of my credit cards from my Equifax file. My XXXX, XXXX XXXX XXXX credit cards, and my XXXX card is no longer reporting on my Equifax file. I spoke with these creditors and they said they are still reporting and this mistake belongs to Equifax. This is true because my other credit files are reporting these accounts. This is wrong and they should n't be allowed to wrong the consumer at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Mortgage (Other mortgage) with Echelon Financial, Inc. (NJ).
Issue: Application, originator, mortgage broker

Complaint: Goldencreditscore.com and realtystore.com are both fraud companies. Seem to be playing with customer 's money!!! I was looking for rent to own properties and got a call from this website. They said if i pay {$1.00} they will send me details of few properties as per the details i gave. After paying this amount they vanish and start charging your card {$49.00} and {$49.00} from XXXX different website accounts. As soon as you notice and complain they dont try to justify but just cancel the service. THEY SEEM TO BE RUNNING BUSINESS BASED ON THE FACT THAT LOT OF PEOPLE DONT NOTICE AND ON THE FACT THAT THEY ALWAYS HAVE LOT OF MONEY OF CUSTOMERS IN FLOAT WHICH THEY CAN USE!!! PLEASE SHUT DOWN SUCH FRAUD COMPANIES & gt ; Golden Scores , LLC XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX I was treated at the XXXX. in XXXX XXXX. I was treated and released. I am a XXXX Veteran insured by the XXXX. Due to a glitch in the system, I did not have my ID card. Medicare paid part of the bill. I submitted the bill to the XXXX for payment. Thought it had been paid. When we went to inquire about refinancing we we told that our credit score had dropped due a collection agency named Commonwealth Financial CFSI. I was never contacted by this agency or asked to defend the charge of {$960.00}. I have been trying to get this resolved since XXXX XXXX. They have been sent numberous pieces of documentation stating that I was insured by the XXXX. My Doctor gave me a statement on a XXXX form which stated that I have been a XXXX patient since XXXX/XXXX/XXXX to present day. I sent this along with a letter and my ID card to the agency. I was told that if I gave proof of my elegibility as a Veteran that the debt would be cleared. My wife spoke with many reps there and General Manager XXXX XXXX, XXXX, XXXX XXXX, XXXX. She calls on a weekly basis, each time they say it is with client relations and call back later. In early XXXX they said it was sent back to XXXX XXXX XXXX. Call again for status. They had not heard back. Today XXXX/XXXX/XXXX over XXXX later, she is informed that the account is on hold for 60 days and that XXXX XXXX XXXX is rebilling the XXXX XXXX. This is a clear violation of my right as a Veteran who has served his country and always enjoyed excellent credit. This bill is not my responsibility. Please help get this issue resolved so that we can get our credit score where it should be. This is not way to treat a Veteran Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Customer service / Customer relations

Complaint: Hello, I use a BP credit card ( Synchrony Bank ) for my flight business to purchase fuel for my planes. We use the card a lot depending on the weather. So some times I may need to pay on the card two or three times a month depending on how busy we are. 
So to my complaint : I have recently made a couple payments on said card. Last payment on XXXX XXXX, XXXX, which the money was taken out of my business account on same day and posted to the BP credit card account. To date they have not posted my money to my available credit due to what they have said ; multiple payments in a billing cycle. I have asked them to release the amount so that I can use the card for my business. I was told that they will not release the fund for two more days. 
I feel the this abuse if not thief on their part. They will have sat on my money for a total of 7 days. Credit card companies are allowed to take advantage of its costumers without any recourse. 
Account Summary Current Balance* : {$1700.00} Minimum Payment Due : {$0.00} Make a Payment Payment Due Date : XXXX/XXXX/XXXX Available Credit* : {$23.00} Request Increase Available For Cash Advance* : {$23.00} Total Credit Limit : {$2300.00} Payment History Last Payment : {$500.00} Last Payment Posted : XXXX/XXXX/XXXX View Online Last Statement Date : XXXX/XXXX/XXXX Last Statement Balance : {$2000.00} Enroll in Electronic Statements

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I filed a complaint last year with the CFPB regarding an erroneous account on my credit report. The CFPB never received a response from the company. This account is still reflecting on my credit report and it is a fraudulent listing. It is now affecting my mortgage qualifications. I am writing the CFPB to help with the violations on the FCRA against XXXX or to help with getting the fraudulent account delisted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX XXXX. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. 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 non-monetary relief
Consumer complaint received 03-06-2017 about Bank account or service (Savings account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I did not receive a XXXX form for a savings account from Key Bank. I contacted the banks website and received a reply telling me that they had sent XXXX for one of my accounts ( true, I have that ) but had NOT sent the XXXX for my other account. They advised me to go to my local bank to request a duplicate. I went to my local branch XX/XX/2017 to request a duplicate. The bank manager stated that he could not give me a duplicate because Key Bank was behind schedule had not yet made XXXX forms for many accounts including mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am being called multiple times on my cell phone and home phone about a student loan taken out in XXXX when I was in college. GC Services, claims they are calling on behalf on XXXX, calls repeatedly, even after being told several times that I am making payments in early XXXX, and to stop repeatedly calling. They 've called more than 7 times a day sometimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I mailed a letter my mortgage lender, Nationstar Mortgage, requesting removal of PMI ( mortgage insurance ) cancellation as my home has reached below 80 % loan to value ratio. On XX/XX/XXXX, I received a letter from Nationstar XXXX that my correspondence was received and would be responded to in " less than ten days '' ... " no later than XX/XX/XXXX ''. On XXXX XXXX, I received a letter postmarked XXXX XXXX but dated XX/XX/XXXX stating on XXXX XXXX, XXXX they " submitted a request to our Private Mortgage Insurance ( PMI ) Department for MI removal ... dedicision which can take up to seven ( 7 ) to ten ( 10 ) business days. '' As of today, XXXX XXXX, XXXX, I have not received this letter. I have left several voicemail messages for Nationstar at the numbers they provide on the letters and have received no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. When my loan left XXXX XXXX XXXX, everything was perfectly fine with my escrow account and my monthly mortgage payments. In fact, the month before it sold, I sent them a check for an escrow shortage. On XXXX XXXX, 2015, Carrington did an Escrow Analysis and somehow came up with a shortage in the amount of {$1100.00}, however, no one can explain to me where this shortage is coming from. It does n't really take a genius to figure it out. They are paying my taxes on the wrong dates. I have faxed them a XXXX page letter on XXXX XXXX explaining my discrepancies with my mortgage XXXX a copy of which is attached for reference ). Whenever I call Carrington, no matter who I get, their response is always " I do n't know '' No one there knows how to do their job. My property taxes are due in XXXX and XXXX each year. They are trying to pay my property taxes in XXXX and XXXX and so now that is where the shortage is coming from. They are paying taxes before they should. The XXXX County Auditors office has gotten numerous complaints about Carrington doing this and they are getting extremely irritated because it is creating more work for them. They do n't even know what our taxes are going to be each XXXX until the XXXX ballet passes. Tax bills do not go out until XXXX and are due in XXXX. So Carrington is sending wrong amounts to them! In addition, Carrington is paying too much for property taxes. My taxes are {$1300.00} a half and Carrington is paying {$1300.00}. They are trying to tell me that my mortgage is going up {$98.00} due to this shortage, yet they ca n't even explain the shortage. Again, no one at this company knows how to do their job. I know more than they do. I never had any problems with XXXX XXXX XXXX. Carrington has been a COMPLETE nightmare and action needs to be taken against them. I have sent them all the documentation they need, and XXXX again, I am attaching all that documentation to this Complaint. They better get it figured out soon or I plan to take further action against their company! This company is a FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Other transaction issues

Complaint: There was a bill pay processed from my JP Morgan Chase account on XXXX/XXXX/2016. The funds were directed to a closed account with XXXX Card Services. The funds ( {$3000.00} ) were processed on XXXX/XXXX/2016 at XXXX EDT. There is not a trace number available. The funds were accepted at XX/XX/XXXX at XXXX am. When I noticed the funds had not gone to the correct account I went into the local branch and spoke with XXXX XXXX Chase Private Client | Private Client Banker | XXXX ID XXXX | XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX at which time she told me there is nothing that Chase can do and to contact XXXX. Which we did and XXXX opened an investigation. The account number it was sent to is a XXXX account, however, it was always sent to XXXX Card Services. I 've contacted XXXX, they sent me to XXXX XXXX and NONE of the XXXX banks involved claim receipt of the {$3000.00}. I spoke with XXXX persons on the phone with JP Morgan Chase ( XXXX - online banking who sent me to XXXX with Senior Services who sent me to XXXX with online claims ) and none were willing to tell me where to funds were sent, only that they were accepted but not by whom. They closed my investigation without offering to do anything. I consider this discrimination for being a small account and a female. It is theft. Chase is withholding information from me as to where the money is located. The funds are somewhere in virtual land and someone is collecting interest or enjoying a vacation. I have been patient as it has been over two months. I have nowhere else to turn. I spoke with XXXX people at XXXX XXXX and XXXX people at XXXX Card Services on the day of XXXX/XXXX/2016. There is no account in my name, social security number, or account number at those institutions. This is absolutely unacceptable and there is ALWAYS a way to track a transaction. My husband is director of information security with XXXX XXXX. There is a way to locate my money. At this point in time it is theft and JPMorgan is being dishonest and discriminatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (RI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: All four credit cards I have with CitiBank were abruptly closed. I attempted to contact customer service regarding this issue, however, no one would provide me with any information as to why they were closed down. I then contacted the Office of the President, as well as the executive office via email, in an attempt to retrieve information regarding what had happened. However, I did not receive a response from any of the people or the departments that I had contacted. Today, XX/XX/XXXX, I received a letter in the mail stating that all of my credit cards were permanently closed due to " misrepresenting the details on one or more of your billing disputes. '' No further details were provided. I am not aware of what billing dispute CitiBank is referring to, nor am I aware of any misrepresented details submitted on a billing dispute. Since CitiBank 's customer service representatives refuse to provide me with any information and upper management will not respond to my inquiries, I am unable to figure out what has happened, why it has happened, and/or if I can appeal the decision CitiBank has made to close my accounts. I have been doing business with CitiBank since XX/XX/XXXX ( my first credit card account was with CitiBank ) and I would like to continue doing so. I am hoping to have this issue sorted out and my accounts restored. 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 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I previously notified Barclay Bank that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove all the unauthorized charges from my already opened accounts? Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and my already opened accounts were used without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report

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