milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I did n't realize I was a victim of the Student Loan forgiveness Scam. I gave out my SSN # and credit card info. I 'll contact my bank to cancel the transaction may occur but what I do with the SSN # already gave out? Please see below info what have been exchanged over the email : Hey XXXX, Your file was approved yesterday & we submitting a request to put your loans on admin forbearance. It typically takes about 2-3 business days for it to be approved. They will no longer ask you for payments after the weekend. 

Best, On Wed, XX/XX/2016 at XXXX, XXXX XXXX XXXX wrote : XXXX, I still receiving email and phone call from Navient, when will I get the approval that it 's no longer from Navient but from the Income Driven Program of loan forgiveness that we were working on previously? 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2016 XXXX To : XXXXXXXXXXXX Subject : Contact Information - XXXX XXXX XXXX XXXX XXXX, congratulations again on your approval for the loan forgiveness program! Friendly reminder to send in your Proof of Income to our processing department as soon as possible. Should you have any questions or concerns please do n't hesitate to contact me through phone or email. Best way is through email as I am usually always on the phone. Thank You! 

Please feel free to share my contact information with anyone that needs help with their federal or private student loans. We would love to help them qualify for a better program and possible loan forgiveness! 
XXXX - More Information about these programs White House Website : XXXX Ensuring That Student Loans are Affordable | The White House www.whitehouse.gov Ensuring That Student Loans are Affordable. download as pdf " Let 's tell another XXXX students that when they graduate, they will be required to pay only XXXX ... 

Defaulted Consequences : XXXX Consequences of a Student Loan Default - FindLaw bankruptcy.findlaw.com A student loan default occurs when the borrower fails to stay current with the payments on their student loan. Delinquency begins the first day a borrower misses a XXXX - Online Account where you can view your loans XXXX National Student Loan Data System for Students www.nslds.ed.gov The National Student Loan Data System ( NSLDS ) is the U.S. Department of Education 's ( ED 's ) central database for student aid. NSLDS receives data from schools ... 
-Click financial aid review -Click Accept - '' Log in '' Username : XXXX PW : XXXX Please do not change the password as our processing department needs it to work on your file. 
Student Financial Services XXXX / Compliance Manager XXXXXXXXXXXX / XXXX EXT XXXX Student Financial Services Processing : XXXX / Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Hours of Operation : XXXX - XXXX ( PST )

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Billing disputes

Complaint: I began contacting Discover Card for an account I had XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Discover Card ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did we miss or were we late on a payment. Discover, along with several other credit card providers, had found the bankruptcy, in which I did NOT include any debt I owed, and automatically started slowly increasing the interest rate. After several years of paying the invoices we discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Discover did not. We quit paying on the card and continued to demand a refund, which would have resulted in us owing nothing on the card. XXXX when the write-off showed up on credit report I began writing Discover and the credit reporting companies in an effort to have the charge off removed from my report ( see attached letters ). Although I received XXXX response to my XXXX requests, the information requested was never provided. The information I was requesting were items listed on the CFPB site and I referenced the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. This debt was eventually sold and I have had similar contact with the collection firm. They too did not provide the information requested, specifically the information I needed to calculate and show the overcharge of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Confusing or missing disclosures

Complaint: I transferred money to two recipients via paypal. After I transferred it, choosing the paypal option that does not charge fees, my recipients notified me that they received notification that they would be charged 4.5 %. I contacted paypal and they have walked me through a resolution. Since I disputed the event, they transaction would not go through to the recipients, but the money would be transferred from my bank to my paypal account and then I can transfer it back. This will take a full 5 days however. and in the meantime, my recipients will not receive their money until I reprocess the transaction. I am attaching a file that indicates what is wrong with PayPal 's workflow where an additional " purchase protection '' selection charges the RECIPIENTS a fee without disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Other

Complaint: Bank of America 's credit card processing organization processed a payment from my Bank of America account to make a payment to my XXXX XXXX account on XXXX XXXX. Bank of America lost the payment. I initiated an investigation into the payment that Bank of America lost on XXXX XXXX and was assured, by Bank of America, they would resolve the issue and find the payment they themselves processed. Meanwhile, on XXXX XXXX, the credit card servicing business transitioned to a new provider. As of today, XXXX XXXX, according to XXXX XXXX, the Bank of America rep with whom I spoke, Bank of America : ( a ) refuses to take responsibility for the payment they lost ; and ( b ) refuses to investigate the payment they lost. Bank of America appears to be angry at losing the Fidelity card processing business and now refuses any responsibility for the payment they lost.

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 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

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 05-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I spoke with an agent fro m Navient student loan service  about my account   XXXX  -2017.The   agent stated that I sent back my income repayment forms on   XXXX -2017.I h ave not sent anything to Navient during  XXXX   2017.Navient  has gone as far as to fraudulently sign my name on documents which is a federal felony.The agent told me I sent documents back which I never received or sent.navient should not be allowed to collect student loans because of fraudulent activity.Navient is also not approving applicants for income based repayment plans.Everyone I have talked to has been denied no matter the  situation.Navient i s also not offer income based repayment plans to struggling single mothers and these practices and unfair discriminatory.Navient should be shut down immediately due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX Checking account charged {$590.00}. 

XXXX I reported fraud to Simple Bank who locked and sent Wife a new debit card. 

XXXX Simple Bank contacted about case for {$590.00} was closed and the charged dropped off account. 

XXXX Wife replied to Simple Bank stating that the charge was for {$590.00} rather than {$590.00} XXXX Simple Bank contacted Wife and I via support message and said charge force posted after falling off. Said the dispute team would reach out via support message with any additional updates. 

XXXX I called Simple for update but was told that it was being looked into. I asked about XXXX 0 % liability guarantee but was Simple Bank rep said I was going to have to wait for investigation. I asked for a phone number to contact the fraud investigation department but was told support message was the only way to contact. Account is still missing {$590.00} which I am supposed to not be liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (I do not know) with Army and Air Force Exchange Service (AK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/15 I paid XXXX XXXX XXXX for an old military debt on my AAFES STAR Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted XXXX XXXX XXXX for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the Military AAFES Star card and the balances between the collection agency and the debtor do not match. XXXX has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MO).
Issue: Managing, opening, or closing account

Complaint: I requested a replacement card from Rush Card on XXXX, and was told it would take 7-10 business days. As of the XX/XX/XXXX. I still had not received the replacement. I contacted them again on the XXXX and was told they would send a card through expedited XXXX. It was supposed to take one to two business days, which would have been Friday the XXXX. I have repeatedly called and and am left on hold for hours only to be hung up on! I have been a customer for over four years with this company, but at this point I must want access to my funds. I am unable to make any purchases of any kind. I have a medical condition that requires medications daily and am unable to purchase. I contacted the XXXX office Friday XXXX XXXX and was told there was no package sent. Through them, but Rush Card insists it was mailed! As of Saturday XXXX XXXX I still have no access to or a replacement card for my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Transaction issue

Complaint: I entered into a contract with XXXX XXXX to design and install a new kitchen in my home. The contract was signed on XXXX XXXX. The contract states I pay 50 % of the contract price at that time, which I did. Contract further stated I had agreed to the design drawn by this company. Which I had. XXXX agreed the cabinets would be installed by the end of XXXX. The designer kept making changes to the design. My husband did initial off on those changes. All changes were made by the deigned. 
Then I received a call from XXXX stating my cabinets were ready to be installed but I would need to pay the balance. So I went and paid them the final XXXX. The installers arrived on XXXX XXXX to install the kitchen. It was apparent the cabinets would not fit the space. I immediately contacted XXXX and they said the designer would be out to see what had happened. After her visiting we found out the dishwasher purchased from this company would not fit, the oven would not hold a cookie sheet, the vent fan was inoperable. The countertops ( suppose to be stone ) was XXXX. I notified XXXX and requested many meetings but last minute they would cancel. 
I notified my credit card company XXXX XXXX of the product not being the quality I had agreed to. I did this by telephone and online. They started the investigation XXXX XXXX, 2015. I corresponded with XXXX XXXX many times via mail, email and telephones. She assured me she would take a look at the pictures and all my statements and then send me something in writing. 

XXXX, I received an email stating my Chase statement was ready for viewing. You can imagine my reaction when I found on XXXX XXXX the had put this back on my account. I called them immediately and was told by the agent that I should have received a letter prior to this being done. I asked him if it meant Chase agreed with the merchant. He stead he did not know but advised to file a re dispute on this charge which I did that day. 
This merchant at the moment has an oven, a dishwasher cabinet inserts plus the charges for installing these items. We have requested XXXX to pickup the countertops and the vent hood. 

I believe Chase did not make the correct decision. Also, I do not believe they handled everything in the time allowed for a dispute. I have been a client of theirs for many years. And would expect them to give me the curtesy of advising me of their decision prior to putting it back on my account. 

I will be happy to send you all the documents, pictures and emails sent to XXXX and to Chase. These noticed began XXXX and rare continuing

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Credit card debt) with Global Payments Check Services, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hi I have a balance due with global payment check services which I 've been paying monthly as requested. My complaint is after my payment they call to see if I 'm going to send my next payment which is fine. But they called pretty much every day and hang up. Out of the several calls they might leave XXXX message but for the most of all they just call and hang up on me which from what I understand this is a violation of the fdcpa. Thank you much

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: I was an American Express Serve customer and had fraud on my account. instead of returning my money SSI check they, close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: If you will see in the attached files, Equifax still shows my name - " defendant-XXXX ''. Court has corrected the judgement that reflects my name, XXXX XXXX, due to erroneous legal basis. Judge XXXX XXXX of XXXX XXXX XXXX has ordered my name to be deleted from the judgement. We explained this to Equifax and forwarded the documents to them several times but they have not cleared my name. We had our lawyer contact them to fix this error, until now they have not fixed this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit card () with PAYPAL HOLDINGS INC. (WA).
Issue: Unsolicited issuance of credit card

Complaint: I was unknowingly signed up for a paypal line of credit in 2005. Paypal was apparently sending invoices to an inactive email address. After I was unknowingly signed up, I was unknowingly caused to use this line of credit during XXXX purchases. I unknowingly accrued interest and late fees until such a time that Paypal sent me a written notice in the mail. When I received the notice in the mail, it was the first time I became aware of the account, the charges and the fees. This must have happened in an underhanded way because I have been a Paypal customer for years and made hundreds of purchases, and never have I authorized or chosen to use anything other than my own credit cards and bank account. I want to join in on the class action lawsuit against Paypal for this illegal action.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Radius Global Solutions LLC (KS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Due to working for a company that shut down I am a XXXX year old man without a job and within 3 weeks of living on the streets. I managed to pay all of my debts except for one remaining cable bill. The company I owe is XXXX XXXX. I owe them XXXX for my last months cable bill. I am getting daily calls from the collector. They always call and hang up when I answer which forces me to call them back at which time they go into their spill about attempting to collect my debt. The way they do this is tricky because they always call and hang up causing me to always have to call them back. It 's a form of trickery and I am tired of getting called daily and being hung up on. I am trying to find a job so I always call a number back to make sure I am not missing a job. I received a usual call yesterday X/X/17 mid morning. I explained to them nicely that I would try to make a payment by the end of next month and a fellow who calls himself " XXXX '' said that was n't good enough and I will have to do better or the calls will continue. I received another call today from the number XXXX, the usual hang up when I answered. I called the number back and it was XXXX again. I asked him if I was going to continue getting these harassing calls everyday, he said yes unless I resolved the debt. I admit I was furious, towards the end of the conversation he said something like " You do n't care about your credit '', you can actually verify what he said because it was being recorded. I did call his company which is Central Credit Services, LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. Toll Free # XXXX. I called the number and again actually got XXXX so it must be a very small company. I asked him to speak with a manager and he said they were all busy right now, I asked if the company name was the above company and he did n't want to tell me. Again, I assume I was being recorded so you can verify this. He finally placed me on hold for a manager and after a long period of time came back on to say all the managers were busy and I would have to try back another time. I understand I owe this debt. I am XXXX years old and have paid my cable bills for over 40 years with never a problem until I lost my job and can not seem to find one. I am scared I am a few weeks from me and my wife being on the streets. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now have an XXXX XXXX so this is going to be very tough on me as well as my wife who has a XXXX XXXX. I realize my personal situation does not matter, but just so you know where I am coming from. I hope to resolve this all soon, but am certain the collection calls will continue. Thanks for your help. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting that I was late 120 day I was in deferment i should not be reported as late

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 06-09-2015 about Debt collection (Medical) with Frost-Arnett Company (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX I received a phone call from XXXX. When I answered and said, " Hello '' they hung up on me. I called them back and the girl informed me they were Frost Arnett Collection Agency and wanted to collect a debt. I asked the girl if she would make a settlement, she said no, so I informed her I did not have the money to cover the complete amount. She tried to press me to give her my employment information. When I refused, she accused me of threatening her. ( Which I did not ) These calls were meant to harass, annoy, and upset me and violate my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I RECENTLY CHECKED MY CREDIT REPORTWHICH I HAVEN T DONE IN YEARS I HAD FOUR IN COLLECTIONS THESE ARE NOT MY ACCOUNTS I SENT DISPUTE LETTERS TO ALL FOUR TWO OF THE HONORED MY REQUEST TO DELETE FROM MY CREDIT FILE HOWEVER LVNV FUNDING AND XXXX XXXX ARE GIVING ME A HARD TIMELVNV REMOVED IT ONE WEEK AND PUT IT BACK THE NEXT SAYING THEY DIDNT HAVE ENOUGH PROOF IT WAS FRAUDULENTLY OPENED I HAVE NO KNOWLEDGE OF THESE ACCOUNTS THEREFORE THEY WERE FRAUDULENTLY OPENED I HAVE BEEN TRYING TO REBUILD AND REPAIR MY CREDIT SINCE FINDING THIS OUT LVNV IS XXXX OTIGINAL CREDITOR XXXX XXXX XXXX XXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX ACCOUNT XXXX DATE OPENEDXX/XX/XXXX ORIGINAL CREDITOR AMOUNT WAS XXXX HIGH BALANCE XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ACCT XXXX ORIGINAL CREDITOR XXXX AMOUNT XXXX OPENEDXX/XX/XXXX I AM A XXXX XXXX XXXX VETERAN I HAVE NO RESON TO LIE THIS IS SO UNFAIR MOST CREDITORS WERE SO KIND AND HELPUL EXCEPT THESE TWO WHICH I VE READ ALOT OF REVIEWS NONE GOOD CAN YOU PLESE HELP WITH BOTH ACCOUNTS THANK YOU

Company response to consumer: Closed with explanation