milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have XXXX student loans and am entering my XXXX year of college. I withdrew from my last semester due on XX/XX/17 due to health reasons and reapplied for the XXXX 2017 semester and was accepted for readmission by the end of XXXX XXXX. Navient, however, has put all my loans into " Grace Period '' and has been charging me interest on XXXX of my loans. I have emailed them twice. My first email advised them of my status at which time their correspondence to them was simply " your loans are in the grace period ''. I then called them to obtain a mailing address and fax them after which I faxed to them THREE times on XX/XX/17 a verification letter from my university detailing my years of enrollment and continued enrollment. Following the fax, I emailed them again on XX/XX/17 telling them to stop charging me interest and take my loans out of grace period since I am a current student. I have not heard anything back from Navient and the record of all my correspondence from them is not detailed in my account. There DO NOT KEEP ANY RECORD of my emails to them so I can prove what I sent them. Their response to me did not include any of my correspondence to them so I can not prove what I wrote to them. This is complete and utter deception by them aside from the fact that they continue to charge me interest although I am enrolled. They have completely ignored by request two days ago. This is a sleazy disgusting company and I will further be contacting my state Senators to complain about their shady business practices. I want my loans removed from their grace period and ALL THE ACCRUED INTEREST ELIMINATED since I have been a student continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to 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 matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XXXX XXXX, 2017 I paid a final payment of XXXX $ on a Citigroup Best Buy card to fulfill the repayment requirements for a no interest promotion. I then discover that the Citigroup only charge my card payment the minimum amount thus because of this the time for the no interest promotion past thus they charge me all the interest. I have never paid minimum. and had thought this was paid. I have paid the bill of XXXX in full but I feel that this has been a scam. I have purchased many items from Best buy and have never paid interest. Citi bank chose only to take the minimum thus voiding the offer, this was done by them to void the no interest offer.

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 11-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX of 2017 I had deposited a check of XXXX and XXXX dollars cash through a chase ATM drive through but the cash never deposited into my account just the check. Right after the incident of the ATM stealing my money I filed a claim with the bank giving them the information from the receipt. They deposited XXXX into my account while the claim was being reviewed but fast forward towards the XXXX of XXXX they take the money back out. Once again I call to see what the isssue was and this bank tells me that the cash I deposited was n't able to be found. Now how in the world is that possible money does n't disappear out of thin air and this is n't the first time it happens to me with this bank. I still have the receipt from that transaction as well. It 's ridiculous to think a bank is blatantly stealing my money. I mean for crying out loud ATMs have cameras they can check that I deposited that cash on that date

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2015 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Closing/Cancelling account

Complaint: On XXXX 2014, Chase Bank shut down my card with no warning, when I contacted them, they stated that they had reviewed account and closed it with the information they received from the credit report. I contacted them several times and they said, I need to contact the credit bureaus. Now Its been a year, since. I earned XXXX reward points with chase saphire card. I do not have to access to that, I believe it is unfair bussineess practice this happen. I never had a late payement, check returned or went over the limit. I earned those points, and for them to just take it away, is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015 I advised PNC that I was changing banks and that I wanted accounts and CC processing services closed. In XXXX I received a letter demanding payment for {$210.00} in service charges. I contacted a PNC representative and we agreed to a final payment of {$120.00}. That payment was immediately sent and PNC cashed the check within the week. Today I received another terse letter demanding {$39.00} or the will damage my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Debt collection (Medical) with Credit Solutions, LLC (KY) (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed these accounts before, the answere I received I feel do not dealt with the problem. These bill have been under dispute because the items that were charged were not correct. I have fought with the hospital about the amounts and the charges. I am on Medicare and each time I have paid my copay this company has continued to try to charge outside what they should have been charging. I received treatment from them for 14 months. The last 3 months of treatment they began to charge for things that were not done, I have continually spoke with them concerning this each time the insist the doctor needs to change the code but the doctor says it 's the same code he has always used. I have contacted my insurance but have received no relief.my point being that the charges are incorrect, these are charges that were and should have been paid by my insurance. The previous time you came back with the charges had been proven, but how can you say that when you do n't know what the charges should have been in the first place. If these charges were correct my bill would have been much more than these amounts as I received the same treatment for 14 months. Why did they change the last month 's of treatment. I do n't think this should be allowed to stand as it is a dispute over the amounts charged for things that were not done. By allowing this to be placed on my credit report you are placing me in a position of being forced to pay incorrect billing or let it remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Medical) with Receivable Solutions Specialist, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt in the amount of {$94.00} has been reported as a collection account on my credit reports since XX/XX/XXXX. The debt was a medical debt that was paid through an insurance settlement. The debt should never have been reported on my credit report as a collection debt as it was paid off by the law firm that handled my settlement. I disputed this item numerous times through the credit bureaus, but my attempts were unsuccessful. I even requested any documents to verify this debt, but never received anything from the company. Since I was able to actually obtain the documented proof of the paid debt from the law firm that handled the case, I had this item re-investigated in XX/XX/XXXX through the credit bureaus. This item still came back having been verified as a collection debt owed by me. Obviously, neither the Receivable Solution Specialist ( collection company ) or XXXX XXXX XXXX ( originator ) took the time to properly verify that this account was paid. After calling Receivable Solution Specialist and getting nowhere, I called XXXX XXXX XXXX, who originally reported the debt. They immediately realized this was an error. I spoke to them back in XXXX and they apologized and informed me the item would be removed. This item is still on my credit reports as an unpaid collection account. Had the XXXX XXXX XXXX or Receivable Solution Specialist properly checked their information, it would not have had to spend countless hours hours correcting their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Last year, Barclays bank agreed to waive ann ual fees on my Black Card, Gold Card and Jet Blue c ard for the duration of my presence in the military. A few weeks ago, they 've sent out a letter revoking this agreement and have started charging me annual fees. I do n't believe this is fair or just.

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 07/20/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (DC).
Issue: Problem adding money

Complaint: Transferred funds from my vault ( XXXXXXXXXXXX ) to my XXXX wallet but cancelled the transaction within 4 minutes. It has been 6 days and still no approval on the transaction. Asked coinbase.com customer support to fix the problem they responded with a stock response : Coinbase Support XXXX XXXX 2017 XXXX Im very sorry for any trouble with this. Im afraid transactions can not be cancelled once the bank transfer process has started as this is an external process. For future reference, for some payment methods there is a 5 minute window that exists after you place your order during which you can cancel a transfer. You can do so by clicking on the transaction from your history page here : https : //www.coinbase.com/transfers Once your transfer completes, you could immediately place a sell order to have your funds returned to your bank account. Your funds would arrive back in your account within 1-2 business days. The sell menu can be found at : https : //www.coinbase.com/trade Please note that the expected arrival date of your funds is given on the Confirmation dialog prior to placing the order. You would also have received an email confirming this information when you confirmed the order. Again, we apologize for the trouble. If you have any further questions or concerns please let us know and we would be happy to assist you. XXXX XXXX Withdrew funds to XXXX Wallet Waiting for approval XXXX XXXX {$1200.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (DE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Cash Central continues to contact me and my references even thought payment arrangements have been made. I 've contacted Cash Central and have spoken to a XXXX XXXX times who apologizes and promises it will not happen again. They continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  Capital One Auto Finance,  I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to   XXXX   again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.   XXXX   has completely ignored the mistake, even after sending them proof from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate items on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Nexera Holding LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: I wanted to refinance an existing ARM mortgage that was at 3.25 % and was to expire in late XXXX, with a new XXXX ARM at a lower rate. A company called Newfi finance offered a new XXXX ARM at 3.00 % in XXXX XXXX. My loan was less than 70 % loan to value. 
I provided every information they needed or asked for. They then requested that I pay for an appraisal to " lock in '' the rate. That appraisal cost me {$440.00}. I was assured that the loan was a go and was sent and E-signed all the the documents. Meanwhile the mortgage rates started to rise and suddenly the company rep was not returning my emails and phone calls. After a period of two months I finally called their corp headquarters and asked to speak with " some one in charge ''. At that time the gentleman informed me that there was a problem with verifying that I actually live at the residence since I use my business address as a mailing address on my utility bills ( I have used this address for over 25 yrs. It is safer for mail and identity theft as the mail is brought in to my business and handed to me 6 days a week ). I informed them that I can simply have the mailing address changed as I only get e-bills any more and did so right a way and sent them the information. I have never heard from them since, with the exception of a letter from a law firm claiming that I had not sent them the needed information. This firm has NEVER sent me a piece of mail. No " denial of credit '' or any other communication regarding my loan. They just hoped that I would go away. 
It is either discrimination ( I am an XXXX ) or greed as the mortgage rates ahd gone up. Either case is inexcusable.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX LA XXXX Support Division / Family Law division is reporting a delinquent child support account on Experian that does not belong to me. I have no child support obligation and I have never been to LA. My child is XXXX. I called XXXX XXXX XXXX Support Division and they state they have no record of any account or information on me. They told me to talk to the credit reporting agency which I did. 

It appears on my credit as Child Support XXXX/LA

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 04/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX I realized I was XXXX. I applied for XXXX, and then I applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I was needing help. I was successful in receiving XXXX XXXX XXXX, but, was not successful with XXXX 's XXXX XXXX. XXXX started to make negative postings on my credit. Missed payments of late payments. I was able to catch up with payments with XXXX, but in XXXX XXXX, when I made my last payment to XXXX card service, that was never posted on my credit report. It started to show that I was late with XXXX payment by XXXX then XXXX days. Then, XXXX sent me a letter offering to let me reapply for XXXX XXXX XXXX, I did, and sent a copy of my XXXX award letter, along with proof I had been working at that time, and a Doctor 's signature and DX. Then, I got a letter saying that I was approved for XXXX XXXX XXXX, for XXXX forward and not XXXX forward, ( date XXXX found me XXXX ). Ok, great. I got a check for " fees '' for {$910.00} from XXXX XXXX XXXX, but, no changes on my credit report. Next, XXXX sends me email saying I was not responding to an earlier email, ( which I did not receive ) but because XXXX had closed my credit card in XXXX, I could not access the system. I called XXXX, and a woman said she could fix the credit reporting, but, pushed me to accept ro-bo callings. My credit has still not been fixed. 
I am trying to buy a house and lower my monthly expenses, but XXXX 's years of bad credit reporting has my credit score in the XXXX 's. How can I fix that?

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (Store credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I defaulted on a XXXX XXXX credit card in 2013, and the government now garnishes two-thirds of my net military pay. I looked-up the law on wage garnishments, and they 're not suppose to take more than 25 %. I ca n't pay my rent, and I have been forced to apply for SNAP benefits ( food stamps ). When I call the military pay people ( XXXX ), they tell me they can take whatever money they want because it 's a federal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (Other mortgage) with PLANET HOME LENDING, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. We have not received {$1700.00} in dues and fines. We approached the lender about bringing this account current and their response was to file more foreclosure papers.The yard area is a total mess as well.

Company response to consumer: Closed
Consumer complaint received 10-03-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I opened a Capital One 360 account on Friday, XX/XX/XXXX and deposited {$11000.00} into the account. 
I had multiple problems getting the account opened before I was later told that my funds were on hold and given a number to call the security department to verify my transactions. After calling the security number twice, I was sent to a voice mail box for the security department on Saturday and never received a call back. It is now Monday XXXX and I have currently been sitting on hold for nearly an hour with no human contact for what should be a routine account security verification so that I can access my funds and use the account as normal. 
I am very frustrated and disgusted with the abysmal customer experience and piss-poor customer service ( or lack of ) that I have received from Capital One 360 for what should be simple, routine, and quickly-addressed account activities.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: While checking my credit report I cam across a debt from XXXX XXXX it is listed as a credit card debt. There is conflicting data regarding this account. It says in one area that it is open and in the other area it says it is closed and charged off and in collections. I have not received any notice from a collection agency regarding this debt. I would like this removed from my credit report as it is reflecting negatively on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was purchased in XXXX by Ditech. Since the purchase, I am having a very difficult time getting my mortgage payments allocated properly. Because I am " ahead '' one payment, they are allocating all of my payments to Principal only. The only way my payments are allocated correctly is if the payment is " late '' ( meaning it is showing up late on their end because they have allocated all my payments prior incorrectly ). I am beyond frustrated. I have called numerous times, I have written to them and still, things are not allocating properly. I have never had an issue with any other previous lender ( and I have had 2 ) and I make my payments via the coupon they send me in the mail ( I tried e-payments but that did not resolve the issue either ). I just want all of my payments to be processed as regular payments with a portion going to Principal, a portion going to Interest and a portion going to Escrow and I would like to keep 1 payment ahead ( I like that buffer ). Thank you for your assistance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: There have been many issues of the company consistently applying the payments to the wrong loan. No matter how many times they are told to apply it to a specific page they apply it to the wrong one. Which in turn shows me to be late and affects my credit. Thankfully I have them email the confirmation number so I can keep track of payments made. The company seems to be held unaccountable for their mistakes and continue to neglect the customer. I am personally fed up with them. This has happened for the last couple of years and They always try to get me to go into forebearance. Instead of solving the problem they put it off and still want to capitalize on interest.

Company response to consumer: Closed with explanation