milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 'm making payments of {$240.00} for XXXX subsidized loans and XXXX unsubsidized loans. When I 'm paying down the balance which has all the interest calculated in, I realized the balance was only going down by {$30.00}. I was told by Navient it is because I was on forbearance before and I 'm paying {$200.00} of interest for it. Should n't that still reflect in the balance because I 'm paying on interest? Last month my Total balance was {$42000.00} than I paid {$240.00} and my new balance is {$42000.00}. {$25.00} is all that went to my balance. It just does n't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check onXX/XX/XXXX for {$5900.00} and waited for Citizens Bank to clear the check before using those funds for any transactions. I specifically asked them when the check would clear, they replied " tomorrow at 3 ''. I checked my account online and the funds were still pending when I asked that question. I checked and the funds were no longer pending and were now shown in my regular funds that are available on XX/XX/XXXX so I went ahead with the transaction onXX/XX/XXXX. The check for {$5900.00} was withdrawn onXX/XX/XXXX The check was " recalled by the bank '' according to the teller and I was charged with an overdraft. Even though I had waited for the check to clear before making a transaction. I would have never had made that transaction if I knew there was even a remote possibility of that check being recalled and the funds no longer being available. Now I 'm out nearly {$1900.00} from that transaction and the bank will not accept responsibility for their actions. I also just received a statement back for my overdraft with a copy of the check that is stamped " Altered/Fictitious '' ... Why was the check cleared in the first place if that 's the case? And why was it moved from pending to funds available on my online account? And why was I told it was recalled by the other bank that obviously does n't even exist?

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX lists an amount due of {$6500.00} XXXX XXXX highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Settlement process and costs

Complaint: We tried to refinance a rental property of ours on XXXX XXXX, 2016. We have paid our mortgage with them for almost 10 years & have never been, late. We scanned loads of documents for Citibank for almost 4 months & they kept letting our documents expire & then asked for more documents. We had a closing date & time with them & then they cancelled closing asking for yet -- -more documents! We decided they were never going to stop asking us for more verification, so we told them to give us our application fee funds back, that we were not going to keep being strung along while it was never-ending documents they wanted from us. They took almost {$700.00} from us, wasted our time, while now refusing to refund our money. Account manager is XXXX XXXX at XXXX XXXX XXXX. Please help! XXXX XXXX - XXXX XXXX XXXX. 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 03/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have recieved XXXX letter from TRS Recovery Services, linked to Telecheck, stating that I am being contacted due to unpaid debt for my bank account at XXXX Several things wrong ... I do n't have any debt with my bank, I have never received anything from the actual bank telling me that I have a bank overdraft amount of XXXX, and when i call the number listed it says the number is no longer in service. The letter is dated XXXX/XXXX/15 and it says to pay in full promptly, that I have 30 days to dispute. Not only can I not contact them via the number listed but I also have read that this company is being sued by the government for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (NY).
Issue: Managing the loan or lease

Complaint: I obtained a Home Depot Project Loan card through XXXX Financial in XX/XX/2016. The loan was interest only for XXXX months, then balance would convert to a fixed payment for XXXX months at XXXX %. The XXXX month 's invoice dated XX/XX/2016 showed that I owed {$130.00}. After the promotion expiration date of XX/XX/2016, I received a " XXXX of Account at XXXX '' showing that my principle balance was {$20000.00} and finance charges of {$130.00}. Copied verbatum from this statement " The new monthly payment was calculated as follows : XXXX of {$20000.00} amortized over XXXX months at XXXX % : {$320.00}. XXXX of {$130.00} divided by XXXX payments : {$1.00}. New Monthly Payment : {$320.00} ''. Statement dated XX/XX/2016 states that my new monthly payment is {$320.00} with a due date of XX/XX/2016. I received a call on XX/XX/2016 stating that I was XXXX days late for not making the {$130.00} interest charge from the XX/XX/2016 statement. I feel that I did n't owe the {$130.00} because it was added into my loan. I was told by XXXX, supervisor, that the {$130.00} was still owed whether it was or was n't added into the loan. I then was transferred to XXXX in the complaint department. He told me that the {$130.00} that was owed was n't interest, but a " conversion fee. '' I repeatedly read the " XXXX of Account at XXXX '' to both XXXX that stated the {$130.00} was divided by 84 months. XXXX told me at it did n't say " divided ''. XXXX stated " After you received this statement, the {$130.00} was waivered. The statement was sent in error. '' I never received a corrected statement. I feel like I 'm being charged {$130.00} twice. Either I owed it from the XX/XX/2016 statement or it was added to the monthly payment. NOT BOTH After about XXXX minutes of this nonsense, I asked what the payoff would be. The answer was {$21000.00}, which is {$140.00} more than the principle balance of {$20000.00} and interest of {$130.00}. I told him that I would be paying it off in full on XX/XX/2016, but did n't have the money to pay the {$130.00} before it was XXXX days late and reported on my credit report. I asked him if he would n't report to the credit bureau and I was told that it was federal law that I be reported. I had to borrow the money to make the payment to keep the late payment of my otherwise clean credit. XXXX told me that he did n't need to see my statement because every loan was done the same. This raises a red flag. Is everyone being charged the last month 's interest twice?

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 05-01-2017 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: At approximately  XXXX   XXXX  on  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  contacted my cell phone and left a detailed message stating that they are legal notification and they would contact my supervisor.   " This is legal notification intended for  XXXX   XXXX . I 'm contacting you today in reference to your case through  XXXX   XXXX   XXXX . I 'd like to make you aware once your case is filed through the court it will become a matter of public record and there will be an order issued to have you located. Unfortunately, I was n't able to reach you by phone today and I have been instructed to contact your direct supervisor or human resource manager at your place of employment. you do have the right to contact the filing party prior to any further legal proceedings however once you 're located all legal rights to your case will be forfeited. That number to contact prior to your location is  XXXX  refer to file number  XXXX .  XXXX   XXXX , you have been legally notified. '' This message was left on my phone and also my mothers phone and my childrens phones as well.     I contacted the number and was ridiculed by staff member. They refused to remove the other phone numbers. Laughed at me for taking a payday loan. Proceeded to ask me ... just how old are you?   I indicated that I could start a payment in  XXXX    ( 30 days ) and was told that was too long.
I requested a letter be sent to my home but they would n't do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with CITIBANK, N.A. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not apply nor authorize these inquiries I would like them deleted immediately it 's making it hard to obtain credit and a accurate score with inaccurate info reported

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 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NJ).
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: This involves a dispute submitted to a XXXX XXXX XXXX XXXX. 
I submitted a dispute to the company which is not claiming I did not submit enough info. 
he dispute involves a transmission Repair Facility XXXX XXXX in XXXX XXXX, NJ XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. XXXX. 
I brought a XXXX XXXX XXXX in with a transmission issue which I was assured was repaired. Since they assured me that they fixed this problem and my cost was under {$1000.00}. I asked them to look at the brakes and a fan that was making noise. I picked up the vehicle even though the cost was {$1300.00}. ( I have included 2 explanation documents here with a fuller explanation. ) The next day I discovered the vehicle had the same transmission issue. I brought the vehicle back and they wanted to charge me for additional work they said needed to be done. I now was into this for over {$1000.00} and the problem still exists ... I filed a dispute with the credit card company ( XXXX XXXX ) XXXX XXXX is the company that administers this card. After submitting my docs including an estimate by another transmission dealer that said they should have recommended rebuilding this transmission at a cost of approx. {$2000.00}. If I had been told that at the beginning I would have never done any of this work. Its a 12 yr old vehicle and not worth this repair. I believe they misrepresented the repair status and the only offer I received was a warranty that did not cover the transmission. The original repair invoice make it seem like the transmission problem is secondary but that is he original reason I brought it in. 
The credit card company is complaining that I need to get another vendor to explain what the original dealer did wrong ... I can not get a dealer to do that they refuse to do that ... The dealer also represented this as an intermittent problem which was also not correct. 
The Docs I have included : 1. The Original Dispute 2. 1st submitted explanation 3. Estimate form another repair shop 4. 2nd explanation 5. Emails exchanged with Transmission shop owner 6. Original Repair invoice 7. Credit Card final

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 12/21/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I ordered credit report on XX/XX/XXXX through my creditchecktotal.com. I noticed account appearing though XXXX XXXX XXXX with $ XXXX balance, apparently this account been open since XX/XX/XXXX. This account appeared out of no where, I never opened that account and it only appeared on my report in XX/XX/XXXX. I send a dispute with Experian, they told me they were able to verify this information though XXXX XXXX. I contacted XXXX XXXX XXXX they said that I do n't have this account through them, and they said call Experian. I called Experian and lady was very rude with me and told me that she would not do any additional investigation and I need to call the bank, I called the bank was on the phone with them for 2 hours and they ca n't find this account. I tried calling her again but she was rude again and said ca n't help me. This account is only being report to Experian. Even if it was my account, this account is over 7 years old and should not be appearing on my credit report. 

I have attached my credit report please review : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Bank account or service (Checking account) with U.S. BANCORP (CO).
Issue: Problems caused by my funds being low

Complaint: I have an account with US Bank. On Tuesday morning ( XX/XX/2016 ) I checked my balance online, it was {$92.00}. On Wednesday morning ( XX/XX/2016 ) I checked it again and my available balance ( including pending transactions ) was - {$0.00}. There were XXXX transactions pending ; {$55.00}, {$22.00}, {$12.00}, and {$10.00}. I knew the {$10.00} was going to turn into {$14.00} because of a {$4.00} tip that would be added to the initial transaction and transferred enough money from XXXX account to cover this. I accept full responsibility for being overdrawn. I thought the {$55.00} transaction had gone through a couple weeks before, but the company waited to charge my account until the product had shipped. I assumed I may be charged a overdraft fee for this mistake and rightly so, but instead I was charged XXXX over draft fees. No matter what order they would have paid them in ( largest to smallest, smallest to largest, or the just the order they were received ) only one should have put my account in the negative. Again all XXXX transactions were still pending when I transferred money to cover them. Also, when I opened the account I was adamant about signing the paperwork so that the bank would reject transactions if there were insufficient funds. US Bank informed me that they considered all XXXX transactions overdrawn and they would not rescind any of the overdraft fees. I believe this type of unfair, unethical policy is why the CFPB was created and would like its help in getting XXXX of the for overdraft fees rescinded. 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 11-11-2015 about Prepaid card (General purpose card) with U.S. BANCORP (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a {$75.00} Master Card gift card XX/XX/XXXX. XX/XX/XXXX I proceeded to use the gift card at a restaurant where I was advised by the waitress that the card did not have sufficient funds. I immediately went onto the web site listed on the card and I come to find out that the card was registered to XXXX XXXX where this person made XXXX online purchases, one with XXXX XXXX and the second with XXXX. The remaining balance was {$15.00}. I called the customer service number on the card to advise that the charges were fraudulent. The customer service rep XXXX told me that before they can reissue me a new gift card I would have to send proof that I was the owner of the card. I was told to send a copy of my drivers license and a copy of the front and back of the gift card - proving I was the owner of the card. I faxed all of these requirements within 24 hours. Once month later I received a letter stating that they would not reissue a new card because the charges were over 120 days old. This company not only would not reissue a new card they also blocked the usage of the remaining {$15.00} on the card. I was advised that I would have to dispute these fraudulent charges with the vendors. These charges were made XX/XX/XXXX and XX/XX/XXXX, I reported the issue well with 120 days yet this company will not follow through and reissue a new card. I need your help to obtain a replacement gift card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (WV).
Issue: Fraud or scam

Complaint: I paid XXXX XXXX $ 30USD for computer/Internet related services. He was to log into my game account and tweak my " game '' to give me better options and play. He took the money but never delivered the services. The payment was made with my XXXX XXXX card via PayPal. I attempted to dispute the charge with both PayPal and XXXX XXXX but neither would help because they do not recognize the transaction as being for " goods and services '' XXXX XXXX is a freelance gamer who accepts payment via PayPal. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXPayment amount : ( in currency funded ) - {$30.00} USDYour fees : - {$0.00} USDYour total charge : - {$30.00} USDPayment amount : - {$30.00} USDXXXX XXXX fees : {$0.00} USDXXXX XXXX receives : {$30.00} USDDate : XXXX, 2015Time:12:48:38 PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$30.00} USD to XXXX XXXX with PayPalFunding Type : Instant TransferFunding Source : {$30.00} USD - XXXX XXXX XXXX Checking ( Confirmed ) XXXXBack Up Funding Source : MasterCard Debit Card XXXX

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I Called XXXX XXXX And trans union trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have XXXX accounts XXXX with XXXX XXXX  and XXXX with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.

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 10-05-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Trouble during payment process

Complaint: Mtg servicing was transferred from XXXX to XXXX XXXX XXXX. The new company charges a fee to make an online payment via ACH. This is completely unacceptable. The new servicer also is not setup for ACH with large banks like XXXX. Both of the 2 ways I pay all my other mtg servicers this one does not allow. 
Better oversight is needed with servicers since I have no say in when or how many times my loan is transferred to stop the hassle with these transfers and to require I have a way to pay without a fee. 

Charging to pay via a bank account on the servicers website should be illegal. How is it remotely acceptable to charge to make a mortgage payment? 

Please work with this servicer to change this policy so I can make my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: RE Case number XXXX On XX/XX/2016, I hired XXXX XXXX XXXX XXXX XXXX XXXX. XXXX to fix my AC unit. It was n't blowing cold. XXXX XXXX sent a technician and they replaced the blower motor. 2 Months after the repairs, the AC unit stopped working. I called the company and they sent someone. The technician told me that the blower motor they installed 2 months ago was failing again. He opened the furnace and I believe " smack '' the motor and got it working again. 
A month after his visit, the blower motor totally stopped working. I checked the company review on their website and found out I was not the first person to complaint. They have been defrauding other customers. 
My bank supposedly has fraud protection. I have contacted a case has been opened and nothing has been done. 
We have been without AC for over 2 months now. My daughter has XXXX and we can not keep ourselves warm in cold days. 

Please help us. 

Thank you.

Company response to consumer: Closed with explanation