milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I needed to reschedule the date of my payment to correspond with my payday on XX/XX/XXXX so I would have the proper funds in my bank account, to do this I needed to cancel my auto pay and re-setup the payment with the new date. I requested the auto pay cancellation on XX/XX/XXXX and received a confirmation email of the request. I logged onto the website and it showed no pending payments so I was under the impression that auto pay stop had processed. Navient then proceeded the withdraw the full payment on XX/XX/XXXX, the original date of the auto pay that should have been cancelled. I have three different types of loans with Navient so the billing is processed in three payments, each payment overdrafted my bank account and incurred a {$35.00} fee. I informed Navient of the error and was advised that the auto pay cancellation was submitted properly and was an error that the payment went through. I was asked to submit documents to confirm the fees, which I faxed to Navient on XX/XX/XXXX. When I did n't get the callback that I was promised when the review of the documents was complete, I contacted Navient again on XX/XX/XXXX and was advised that all the required documents were received but we 're never reviewed. A supervisor reviewed my account and the documents with me and confirmed their error and that they would be reimbursing me for the total {$100.00} in overdraft fees. The supervisor advised he was processing the payment and the funds would be deposited into my account in 6-10 business days. When I did n't receive the refund, I contacted Navient again on XX/XX/XXXX and was advised by another supervisor that Navient 's finance department denied the refund because there was no error on there end causing the overdraft. I explained the prior supervisor conversation to which the supervisor simply stated the prior supervisor was incorrect and did n't have the authority to approve the refund. When I explained they are estopped from denying a payment that they already approved and advised they were issuing, the supervisor stated they would resubmit the request for review to the finance department but that I should n't expect the refund to be approved, and I could follow up in 7-10 business days to find out if it had been denied again. Whether I am being lied to or just given false information, this is incredibly unprofessional and unethical and I seem to be getting no where with Navient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: OnXX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.

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 08/26/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: I called Macy 's American Express three days before my bill was due because I noticed that my automatic payment had a duplicate payment scheduled to come out of my checking account. The customer service representative assured me that only one payment would be coming out on the due date. 
Today, when I checked my checking account, it showed that two payments of the same amount ( double what was due ) had been taken out of my account. When I called Macy 's American Express to have one of the payments reversed, they told me it would take 5-7 days for it to be refunded. I then told them that I was counting on those funds to pay my electric bill, the rep, placed me on hold to speak with her supervisor. When she came back, she told me that they could mail me a check or refund it to my account in 5-7 days. Either way, I have had MY money ripped from my account without my permission!! Very frustrating! I requested that my account be closed and the overpayment be refunded.

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 04/26/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Extremely poor advising service with regard to a mortgage modification process. Poor overall communication and support. Inundation with multiple duplicate forms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Due to incorrect information provided by XXXX and statements being sent to an incorrect address this account was incorrectly defaulted. I continued to set up a payment arrangement with the citizens bank which is the owner of the loan, XX/XX/XXXX i sent in several payments and they were returned to me in the mail, I pursued to call citizens bank on XX/XX/XXXX to see why the payments were returned and was advised that the loan was with the " bankruptcy department '' i advised that I have never filed bankruptcy and immediately disputed this directly with citizens bank. on XX/XX/XXXX I contacted the credit bureaus and disputed the reporting to which citizens bank and XXXX confirmed that every thing was correct. i called back the company on XX/XX/XXXX and spoke to a representative XXXX, the rep advised that the account is still in bankruptcy. I advised that i need to have my account rectified as i am incurring several negative issues due to this. I asked the rep to have a letter sent to me confirming that the account has been removed. XXXX went on to advise me that she can not do this and all letters of such goes through the legal department and that takes XXXX months to complete. she went on to transfer me to the bankruptcy department that denied providing me any information on my account in regards to when the account was placed in bankruptcy or why it was placed there, although i was fully verified. i was then finally transferred to the legal department to a rep named XXXX. After a detailed explanation XXXX advised me that my account was incorrectly placed in bankruptcy on XX/XX/XXXX. I forwarded a letter on XX/XX/XXXX with tracking number XXXX detaling all my various disputes and inquiries that the company incorrectly provided information to the credit bureaus to and requested that as a result of several violation of the fair credit reporting act, this account be removed from all credit reporting. on XX/XX/XXXX I received a call from XXXX XXXX XXXX who had no information on the account and advised me that the company had never received a letter although the tracking showed it was received and signed for by their agent. she stayed several weeks reviewing this and on XX/XX/XXXX seven months after I initially disputed the incorrect reporting of my account as bankruptcy i was sent a letter stating that the account was placed incorrectly in in bankruptcy on XX/XX/XXXX and removed from bankruptcy on XX/XX/XXXX. during that time I have been denied a mortgage by XXXX XXXX, denied credit cards, and had credit cards approved with very high interest rates. I would like to have this account completely removed from my reporting due to violation of my rights on several accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I sent multiple validation/verification letters to this company requesting proof of my signature stating that I indeed owe this debt by contract with this company. I have attempted to make contact by letter on three occasions. I have yet to get any response from this company and it has been 90 days with no communication. I have sent letters to XXXX and to XXXX that in return is stating the account is verified and nothing else, they are neglecting to correctly verify this account is truly mine. I do know according to FCRA that I should be receiving proof that I did create this debt. I never received anything from this company or any company for that matter regarding this debt. I checked my credit and that is the only reason I know of this debt.

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 06/23/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OK).
Issue: Other transaction issues

Complaint: As I have done many times before- I placed an order with XXXX XXXX for a {$10.00} embroidery design collection and attempted to complete the transaction thru PayPal XXXX I received a message that the transaction was pending due to a random scan. I attempted to complete the purchase several times and got the pending notice. I finally checked my email and had XXXX emails from PayPal describing the possible 72 hour delay in processing my order. On XXXX XXXX, I got an email stating that my order was complete. A few days later I checked the website I ordered from and the order had been rejected. I checked my bank account and saw that PayPal had taken XXXX {$10.00} debits from my bank Acct and credited only XXXX after rejecting my order. When confronted, PayPal stated that my order had been rejected because of federal regulations and the word " XXXX '' had been connected to my order and they were not allowed to deal with XXXX. I countered immediately that I am in XXXX and have no connections to XXXX and had completed this very sort of transaction over twenty times since beginning my PayPal relationship. PayPal refused to replace the XXXX dollars until I supply a copy of my drivers license and current utility bill to prove my identity. I am very uncomfortable giving my drivers license and utility bill to a company that even suggested that I am doing something illegal. They had no intention of completing the order and should not have debited my acct for the additional {$20.00} in the beginning. They are holding my {$20.00} hostage until I give up my id to them. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from them.

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 03/18/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this is not my account at all. have not had XXXX phone ever

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 07/20/2015 about Debt collection (I do not know) with Ceannate (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Caller from FMS - Financial Management Systems keeps calling a relative, identifying themselves as XXXX Student Accounts. I do not have a student account with anyone in which I owe ; however, they have disclosed my personal information and continue to call repeatedly after being told that I do not live there and have not lived there since 1996. Have contacted them and asked them to stop, but they do not. My relative is over XXXX years old, and they continue to harass him.The contact information I have for them isXXXX XXXX XXXX XXXX - XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have reviewed my credit reports with XXXX, XXXX & XXXX and the reporting that Fed Loan continues to report has stalled my approval to purchase a home. Fed loan is reporting that my loan was opened in XX/XX/XXXX in which it was not. The original creditor is reporting an entirely different month. Fed loan is also reporting an incorrect XXXX date of delinquency. I have made several attempts to have these incorrect reporting updated or deleted but to no avail except for the deletion of XXXX of the amounts they have been reporting. This account has been closed for quite some time and I 'd like to see that the inaccuracies removed from my personal credit reports because they are extremely incorrect. How can they continue to report this {$4200.00} & XXXX debt on my reports incorrectly! This loan was originated from an institution that I attended and again, the date the loan originated is NOT XX/XX/XXXX. XXXX expressed in her mailer to me that by law they are to report accurate information to the credit bureaus and unfortunately, Fed XXXX is not abiding by this law as they continue to report erroneous information on all XXXX of my credit reports. This loan was originated in XX/XX/XXXX but prior to XX/XX/XXXX. I am requesting that I be provided with the signed promissory note that reflects the date that they are reporting. Per the XXXX, which is the XXXX and only accurate reporting agency for this loan, the date they 're reporting is incorrect. Furthermore, the payment history being reported reflects that the XXXX date of delinquency is XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax & on TransUnion XX/XX/XXXX. Well which XXXX is it really!? How can this be accurate if it 's all different? I am requesting that these reporting 's be deleted or updated to reflect the correct loan details per the XXXX under the Fair Credit Reporting Act immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Checking or savings account (Checking account) with DISCOVER BANK (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Having been an account holder with DISCOVER Bank now for XXXX years, holding both a high interest savings and a Cashback Checking account, I have had several issues revolving around withdrawals and deposits. The most recent issue commenced on XXXX XXXX, XXXX, when I attempted to purchase a ride using ride-sharing service XXXX, around XXXX PST. The transaction was declined, and I immediately phoned in to inquire as to why. The representative erroneously informed me that it was XXXX who had blocked the transaction, as I stood on the side of a road attempting to get a ride home from a holiday party. After using another card with limited funds, I returned home, only to have the issue of blocked transactions recur the following ( XXXX/XXXX/XXXX ) day several times when attempting to order groceries via XXXX and purchase items at a popular clothier, XXXX. 

Since XXXX XXXX, XXXX, I have had nearly every single transaction attempted blocked by DISCOVER Bank, forcing me to call in each time and sit on the phone with often inept and confused agents, for 45 minutes - 1 hour each call. I have escalated this matter to managers, supervisors and now XXXX 's Executive Offices. DISCOVER Bank 's Executive Offices agent XXXX ( supposedly on behalf of DISCOVER Executives ) claims that they can not circumvent " system decisions '', telling me that I have no other choice but to call in after each and every blocked transaction to have a manual approval of each transaction ; this is extremely time consuming and absolutely unacceptable. To reiterate, since the first decline on XXXX XXXX, XXXX, nearly all of my transactions ( between 10-15 total ) have been blocked by DISCOVER, regardless of the merchant, rendering my checking account effectively useless and blocking me from utilizing my funds when I need them most. 

Please note, that while I certainly understand fraud measures and the need to protect the consumer and the Bank, the number of times in just a span of four days that DISCOVER Bank has blocked my debit card transactions has been grossly excessive and beyond unacceptable. The Executive Offices staff was regrettably of no assistance, stating simply that I have no options other than to " deal with '' the situation until the system recognizes my spending patterns -- I find this to be both unethical and unprofessional to the highest degree. I am a consumer who should be able to utilize their checking account without the constant need to phone in, hold for nearly an hour, deal with inept customer care agents, only to have the situation recur sometimes hours later. To note specifics, I have had multiple transactions blocked on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ; this is grossly excessive and unacceptable, and I am requesting immediate resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Closing/Cancelling account

Complaint: Two months ago I instructed JC Penney to charge the remainder of my balance and cancel my card due to repeatedly poor service. Their representative confirmed both : my balance was resolved and my account was closed. Today I received notice that I have not been making payments on my account and that I owe {$300.00} plus interest and late fees. I disputed their claim and asked for paper records on this matter, they could not confirm that I would receive any paper records on this matter. I dispute that I owe the money, interest charges, and late fees. I also demand to see a paper trail from them. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
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 have a Bank of America credit card that was opened when I purchased    AAA. I opened the card to get a discount on AAA. I paid with a check for the first year of the AAA then the next year was billed to my credit card. I called and told them I no longer wanted AAA and I was under  the impression that it was canceled and the charge was being credited back to my credit card this was in  XXXX  of    2017.  I did n't get another bill until   XX/XX/XXXX  I  was still being billed f or AAA alo ng with late fees and interest I called Bank of America and they removed the fees but told me to conta ct AAA with my dispute. I called AAA and they told me that my membership was n't canceled a nd that it was to late to cancel it and that I had to pay for it. I called Bank of America back and tried to dispute it with them but they are telling me I have to pay it. I do n't understand how a credit card company can hold me responsible for something that I do n't w ant. AAA is telling me that there is no notes from where I called in  XX/XX/XXXX  however they also told me that if there is no change made to the AAA account that they do n't have to note it.

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 05/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified " that I have disputed Please resolve this manner as soon as possible 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 04-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: i have a loan servicing company NAVIENT who bought our or service for XXXX XXXX on my credit showing negative. When my loan was in good standing wiith XXXX XXXX.I am on XXXX and going back to school but to my knowledge my loan with XXXX XXXX was in forbarrance. I made my last XXXX payments with XXXX XXXX before Navient bought them. WHen I spoke to Navient that said, that issue is with XXXX XXXX not us. So I said well if you are taking over XXXX XXXX debt you taking everything with you, including any arrangements consumers had with the prior loan company. I feel that once I go back to work or any work in the future is doomed because its showing negative on my credit report.

Company response to consumer: Closed with explanation