milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Loans were taken out in my name fraudulently by XXXX / XXXX between XX/XX/XXXX - XX/XX/XXXX. These include federal, private and military loans. I have tried to combat that, and the issue is n't moving. My loans were listed XX/XX/XXXX and ALL subsequent law suits against the school. Navient was to place them all in deferment/forbearance and never did. They sent confirmations that it had been done, but took my tax refunds and continued collections. I did get the USDOE email confirmation that the loans would be discharged, and it has n't been done. Because the school took XXXX+ loans in my name, Many with no signature, I ca n't get approved for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a paid account that was still listed as open on my Transunion report. I contacted the creditor and had them confirm that this account was paid and should be closed and removed from my credit report. After they contacted trasunion to have this discrepancy removed my credit score went from XXXX to XXXX. I contacted Transunion to dispute this change, noting that my score should have either stayed the same or increased. Since any items falling from my credit report should be a positive mark on my report. When I had the same situation happened with XXXX they fixed it and made my score go up for paid/deleted accounts. Transunion told me that option was not available to me and actually tried to sell me a credit report even though I have already ordered my direct credit report through Transunion and I explained that to the rep. It was as so they were Car Dealers and their only concern were to have me purchase something else before getting off the phone. They were reading from a dialogue and not being personable at all with me nor my situation. Once I told them I would be contacting consumer services they grew angry with me and tried to push another product on me which I then hung up the phone.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is incorrect information. The company removed it because it is incorrect. Now, it is being reinserted. It is incorrect reporting. 

XXXX XXXX BANK XXXX XXXX A Account Number XXXX Account Type Collection Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Unknown Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit -  Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Ownership Individual account Original Creditor XXXX XXXX BANK NEVADA XXXX A XXXX Company Sold-to - Original Amount {$700.00}

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 09/29/2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Billing disputes

Complaint: I purchased an engagement ring on or about XX/XX/XXXX and secured credit through Sychrony Financial. I have consistently paid timely and in amounts 2 to 3 times greater than the minimum required amount. I conduct all of my banking electronically. I received all notifictions through email and paid accordingly. Conspicuously, in the month XXXX XXXX, I received no email from Sychrony and therefore missed a payment XX/XX/XXXX ( I had last paid Synchrony on XXXX/XXXX/XXXX ). The emails resumed and I noticed on my XXXX statement that the minimum payment had increased so I made a payment on XXXX/XXXX/XXXX. I planned on making another payment today XXXX/XXXX/XXXX and upon looking into the account I realized that I was not only charged XXXX late fees but was also charged a 30 % interest payment of {$1000.00}. I immediately called Synchrony and was informed that I was charged the interest because I had n't paid off the balance in full by the end of the promotional period. I informed the representative that I had n't received any notification XX/XX/XXXX which is why I had missed a payment in XX/XX/XXXX and was not informed that the promotion was ending. I asked if I could pay the balance in full minus the interest charge and he informed me that I could not pay off the balance without paying the interest. I have excellent credit history and have paid this Synchrony line of credit consistently and in excess of the required payment amount since the first payment. I had planned to pay off the balance in full prior to the end of the promotional period but I was not informed that the promotion was ending. I only discovered this upon calling today. I was unaware that there were any issues with my account because I had been so consistent in my payments and had not received any notification to indicate that there was a problem. Upon reviewing my emails, I discovered that I had not received any emails from Synchrony XX/XX/XXXX. I can only conclude that the coincidence of this omission of notification was intentional and that Synchrony Financial intended to fail to inform me of the expiration of the promotion in order to secure a usurious interest payment from a responsible customer.

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 10/17/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated on XXXX XXXX, XXXX. Toward the end of my six month grace period after graduation, I requested Forebearance for my XXXX loans with Sallie Mae. I was living in XXXX and Sallie Mae instructed my parents to call every three months to pay a fee and renew the forebearance. I was first charged a {$150.00} ( {$50.00} per loan capped at {$150.00} - this shows on my account payment history as {$25.00} for each loan ) fee for forebearance on XXXX/XXXX/XXXX. My parents called again and my next charge was completed on XXXX/XXXX/XXXX. My parents called again and my next charge was completed on XXXX/XXXX/XXXX. For my final 3 months of forebearance I had left ( forebearance may only be used for a total of 12 months ) I called Sallie Mae and was charged on XXXX/XXXX/XXXX. After this transaction my account showed that my next payment would not be due until XXXX/XXXX/XXXX. Recently, we began receiving calls that I owed a payment to Sallie Mae for the total amount of my monthly loans. I have spoken with Sallie Mae at least every other day for the past XXXX weeks. I continue to be told the problem will be resolved on my account and nothing changes. At the top of my account loan summary, there is an alert that all XXXX of my loans are past due. As you continue down and look at each loan, there is a statement below each that states " In Forebearance - No Payment Required ( estimated principal & interest payment due date XXXX/XXXX/XXXX. '' My transaction history shows late charges for each loan. My cosigner, in an effort to stop the constant telephone calls from Sallie Mae, was told he could pay an extra fee of {$150.00} for one more month of forebearance. This does not make sense because if I paid on XXXX XXXX my final three months of forebearance, then I ca n't understand why I received late charges on XXXX/XXXX/XXXX. If there truly was a problem with payment, no one informed us of this at any point when my parents or I spoke with Sallie Mae to renew my forebearance. 

I am completely frustrated trying to resolve this serious issue with Sallie Mae, who seems to have a different record than I am reading in my account. I can never speak with the same person, and I am assured the problem will be resolved within 24 hours on my account and it is not. I am concerned if Sallie Mae and I can not reach the point where all of this is resolved that it will unfairly affect my credit. 

Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 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 keep paying my Navient balance. However, they always seem to apply it all to the interest and none of it to the principle. Therefore, my student loans have not dropped. I called them about it, I keep getting disconnected. This organization is run by crooks. I asked them to send me a statement on how it 's being applied. I have paid more than the statement. It 's getting misallocted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: On Saturday XXXX XXXX, 2016, I called the toll free number to Wells Fargo to activate my new debit card. Upon entering my new card number, the next automated response I received stated that my card is now activated and ready for use. I was a bit appalled that the automated system did not further authenticate my information, which raised a concern for my privacy/security. On that same date, I sent an email to Wells Fargo customer service stating my issue. My main concern was that since no additional account information was asked to verify my identity, that basically if my card were to be lost in the mail, anyone who retrieved it would have been able to activate the card and use it. On Monday, XXXX XXXX, 2016, I received a response back from their customer support. The representative explained the process and I felt good about it. However in the response, the representative provided to me a phone number that " was on my profile ''. To my shock, the number that was provided to me was NOT my phone number. Wells Fargo had provided to me another customers phone number. This has further raised my concern for my privacy/security. How do I know if that same representative provided MY information to another customer? This is a very concerning issue to me. The additional responses I had received from Wells Fargo customer support have not been satisfactory at all.

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 06/26/2015 about Debt collection (Medical) with RevSolve, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe {$3000.00} to a hospital. I sent a small pymt. Then they sent me to collections. I sent a payment on XXXX XXXX they cashed it. They have called every day sometimes several times a day even on the day they cashed my payment! I sleep during the day because I work night s. They keep calling and disturbing my sleep. When I call to ask them to stop especially since I just sent a payment and they 're disturbing my sleep they say " man that 's fine but we can still call you! " if like to file a complaint. I will file one every time they call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by navy federal and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XX/XX/XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with navy federal or go to court to vacat the judgement and now we are not able to pay our rent.

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 12/23/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I cancelled my Macy 's credit card account in XX/XX/2015. Today, I got an e-mail telling me I have a balance of {$2.00} for " minimum interest charges '' even though I have had a XXXX balance for a month. I have confirmation from a customer service rep ( attached ) that my account was closed as of XX/XX/2015. 1-How can they charge interest on a zero balance and 2- How can I owe them money on an account that was closed a month ago? Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (VA).
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: On XX/XX/XXXX, my XXXX XXXX XXXX XXXX Account was fraudulently charged by a merchant named " XXXX XXXX XXXX in the amount of {$160.00}. On XX/XX/XXXX, the same credit card was fraudulently charged again by the same merchant in the amount of {$180.00}. I submitted a statement of fraud to XXXX XXXX but the company didn't do anything, instead I was charged with two late fees in the amount of {$38.00} and {$29.00} on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, there were two interest charges in the amount of {$8.00} and {$7.00} respectively. I don't recognize the merchant nor did I receive any products from them. The current balance as of XX/XX/XXXX is {$580.00} due to incurring interest charges and late fees. I have tried to resolve the issues with XXXX XXXX fraud department but ended up with negative results, stating that the charges were valid. I even submitted a police report from XXXX Police Department reporting the fraudulent charges. These issues caused my credit score to dip down to 500s. Request that appropriate agencies investigate XXXX XXXX XXXX XXXX company and the merchant " XXXX XXXX XXXX ' for impropriety and defrauding the consumers.

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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Two years after I thought I paid off my student loan Navient contacted me, without introduction, asking me to pay off my student loan. What loan, I thought, they I have another loan I was unaware of? The long and short, after six months of hounding me, along with the XXXX, ( not their fault ) they finally certified the loan " paid-in-full. '' However, the experience was a big pain : calls, letters, more calls, more letters, more calls_ususally a call center in the XXXX. Talking to them was like talking to a wall. I kept asking for an " amortization schedule '' to no avail, just a useless list of how the money was disbursed. Finally I spoke to an some specialist " adviser '' with them. I insisted I would not pay anything without an " amortization schedule. '' But, he said, that will take a lot of time. That 's when they " forgave '' the loan. They are the worst. Now I 'm concerned that all these years they may have mishandled my loan without my knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: disputed errors on reports with all bureaus with no success

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 02-09-2016 about Bank account or service (Other bank product/service) with Comerica (IL).
Issue: Using a debit or ATM card

Complaint: RIP OFF AND FRAUD COMPLAINT. 

Message : Complaint # XXXX. Copy of my complaint to XXXX. and FTC. 
XXXX XXXX XXXX cancel the ACH services and Directed me to ENROLL for my Social Security Bennefit Payment with XXXX who latter asked me to Register with Direct Express Card Payment Processing Services . I did Enroll since XXXX XXXX, 2015. ATM card was issued for me on XXXX XXXX 2015. Up to date, I did not get the ATM Card. It was never mailed to me. But my Benefit payment was been Sat Upon, starting from XXXX 2015. Now they have my XXXX, XXXX, XXXX AND XXXX Payment without me being able to access my money for four Months. My Family is Starving and has no money for Food since. My Small Children are the Victims of this wicked act.I have Cancelled my Business with them, but access to my money with them remained a misery. i need my money to feed my little children and myself. Please Help me somebody. 

Desired Settlement : Refund My Benefit Money for 4 Months, Namely XXXX, XXXX, XXXX and XXXX is to be SENT to Me Either on a replacement CARD or By Check in my Name to be sent to my address at the XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX for the 4 Months, to be sent to Me Please. 

I am contacting you to see if you can help me recover a 4 Month Payment recieved by this company. But refused to furnish the Payment to me since last year. All efforts to get this {$350.00} x XXXX = {$1000.00}. in Total proved abortive. The company is named : Direct Express Card. Phone # XXXX and XXXX. Cust.Support XXXX. Social Security Bennefit Payments For Me.. This company collected 4 months of my money without giving me the money up till date. Can you collect this money for me Please? I am corrently in XXXX. XXXX My Phone # XXXX XXXX and XXXX. This company address is XXXX XXXX, XXXX XXXX, XXXX XXXX Email : if it is working is XXXXXXXXXXXX Please let me know if you can assist or Direct me to Who can help with this information given to them. thanks. 
This is done to many more People too. 
This wicked practice has to STOP on SENIOR CITIZEN. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a payday loan and read online they were illegal. I tried to pay the loan off and XXXX XXXXs with the money I owed minus what I paid, they refused to accept the payment. I called the state of New Jersey to find out what i could do and was told to not pay because they are illegal in New Jersey. I filled out a complaint with the agency. XXXX XXXX is an illegal lending institution and does n't have the right to put negative information on my credit report. I have called and asked XXXX XXXX to remove it and I have also disputed it to the credit reporting agencies and it is still there.

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 11-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Money was not available when promised

Complaint: XXXX ID XXXX : XXXX Paypal is not allowing me to withdraw my refund. They are limiting my account and claiming that the funds are 180 days hold because of risk of chargeable or disputes. They are not because that was not a purchase I 've never sold anything on PAypal and the funds are simply my refund for a purchase I 've made and I demand the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Company has changed my open date to 2011, provide verification documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Trouble during payment process

Complaint: I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 180 days past due as of XXXX XXXX to XXXX XXXX 120 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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