milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I got two emails over the weekend. One stating that my deferment request had been approved and the other confirming that the payment term of my loan had changed. This was odd because I never filed a request for a deferment. When I logged into my account, I immediately noticed that my balance had dropped by almost {$6500.00}. Obviously this is great, but I wanted clarification. I called into Navient today and asked A : why was I granted a deferment in which I never requested and B : why has my balance dropped such a significant amount overnight? I was given no definitive answers and was told that they had just received notification from my college that I was no longer a student there. I graduated XX/XX/XXXX. I asked for a copy of that letter and was told that it could not be provided as it was internal use only. They confirmed that my new balance is a correct balance but gave me no answers to my questions. This obviously is startling. It makes me question the legitimacy of this company I 'm paying on a monthly basis to track what I truthfully owe on my loan. How can I trust that this is correct? When looking at statements, I also noticed that even after paying more than the minimum payment amount, my balanced barely moved. You would think that it would reduce the amount owed quicker, however, the balance seemed roughly the same. I just want answers and I want to be able to trust the company I 've been paying for over 10 years on the first of every month religiously. I 've attached my statement as of XX/XX/XXXX as well as my new statement as of XX/XX/XXXX and the deferment approval letter that I got even though I never applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: Suntrust made a fraudulent transfer from one of our accounts to the other, leaving us with less than {$30.00} to survive. Here 's what happened. 
A few months back I lost my job while my husband was in the midst of looking for stable employment. We had XXXX accounts with Suntrust ; XXXX fell behind while we were trying to get back on our feet. We received correspondence from Suntrust letting us know the account was behind and by how much. We went into the branch to communicate our situation with Suntrust and to freeze that account, with the understanding we would make a payment arrangement. We also asked that the Overdraft Protection be removed from both accounts. 
We were assured that this would be sufficient to prevent any withdrawals or activity in the frozen account while we get back on our feet. Last week, we noticed a " transfer '' from the active account to the frozen one. This caused our account to be overdrawn and charged the {$36.00} fee ( which was NOT supposed to be charged since they were supposed to have removed the overdraft protection ). We immediately reported it as fraud. The XXXX was credited back. It seemed that all was well. 
This week, before paying a bill, I checked our active account, and there was less than {$30.00} in it. The entire balance had been transfered to the " frozen '' account without or knowledge or permission. 
I went to the branch to speak with the manager -- she profusely apologized and gave me the number for the credit department. It seemed that none of the efforts we had made to set up a payment arrangement had been documented by any of the agents we corresponded with. When I called the credit department, I was told there was nothing they could do. Meanwhile, our rent, and car payments are behind and in serious jeopardy. This could not have happened at the worst time. 
In short, I am reporting this because Suntrust seems to have gotten so " large '' that the right hand does not know what the left hand is doing. There is no accountability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called me today and yesterday 5 times each even though I made a payment to them last week and explained my situation to 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 12/21/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was covered under the Arizona XXXX program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with XXXX. I checked my credit report today and noticed that I was sent to collections twice by Commonwealth Financial on XXXX/XXXX/17 for {$570.00} and for {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was discharged from my credit report on my Bankruptcy in 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Good afternoon, My name is XXXX XXXX XXXX, and I would like to file a complaint against Chase Mortgage Company.To make a long story short, I sued XXXX for fraud, my case was won, ( with precedence ), meaning that they ether award me my home, or produce the documents that they forged and were found guilty of, they did n't. Instead, two weeks after they were to award me my home, Chase sold my mortgage to XXXX XXXX XXXX, and now XXXX XXXX is foreclosing on my home. My second Attorney said Chase had exhausted their time in which to file, or award me my home, and he would make XXXX award me my home, but by the time he got around to filing, he said Florida had passed ( New Case Law ) allowing the mortgage company 's to make up paperwork to shore up there case.I have everything on disk. Do I have any legal case? I do n't want to lose my home!! 
Thank you for time in this matter. 
Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I transferred my cable service from XXXX address to another with XXXX XXXX XXXX in XXXX 2015. The sent my old account to a collection agency even though I still have service with them. I have contacted them every week since XXXX to correct the error. I also told the collection agency that I still have an account with XXXX XXXX. I 'm still receiving call and notices from the collection agency and have paid the old account off with XXXX XXXX. I reviewed my credit report and the collection agency is reporting this balance as a collection with their company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with MB FINANCIAL, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: I applied for and was approved for a mortgage loan with a rate lock with no points good to XX/XX/XXXX. I have been waiting for my closing which was scheduled for XX/XX/XXXX, changed to XX/XX/XXXX and now XX/XX/XXXX. I received an updated loan disclosure stating that the rate has gone from 3.75 to 4.25 and I will be charged points. Even though the rate lock has not yet expired.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I deposit three authentic USPS money orders through the USAA banking app ( which USAA claims to support money order deposit ) on XXXX XXXX and XXXX XXXX. The app shows these money orders are available immediately. So I used the balance to schedule my credit card payment the next day. However, after 3 days, all of the money orders become " on hold '' while the USPS money order system shows the bank already cashed these checks. Now the USAA bank tells me all of the money orders were returned when the USPS money order system shows USAA cashed them. This will cause a big problem because my credit card accounts will charge me return check fees. In addition, the USAA bank says it is shutting my account because of the return check when in fact they cashed it. I have uploaded the picture of money order with the serial numbers which can be verified through USPS money order system to be genuine. Now I can not deposit the money orders elsewhere because USAA has cashed it, but also I can not get access to the fund in my account because USAA claims the checks are returned.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AZ).
Issue: Problems when you are unable to pay

Complaint: I fell behind one payment and was catching up on the missed payment and working with the company and they repossessed the vehicle

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 05/20/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX this account has been on my credit report for seven years now and is suppose to come off i disputed the item with Experian and they refused to remove it and i also called XXXX and an was told the credit bureau have to remove this from my credit file the first date of delinquency was XXXX 2008 seven years to my acknowledgement and what is highlighted on the file i attached on my Experian report your account that my be consider negative that this information is generally removed seven years from initial missed payment that led to delinquency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed several times that the frontier account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from frontier sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.

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 06/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: They return my payments and want me to pay five months certified now with additional fees.I was two months behind and mailed them XXXX payments and now they want XXXX certified with a bunch of fees why.Why do I have to make my payments certified at an additional cost.I previous made a 9 moth payment and they said they would not accept it I wireed the money XXXX and they said they would return the check but they waited a week and deposited I called they stiff have not payed ny check return fee or have send it back or a letter that they would not redeposited which they saifd they where sending, they lare liars repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am on an income based repayment plan, I paid XXXX in XX/XX/XXXX, I started getting get calls every day at XXXX the next day. I have called and ask not to be called. I get pre recorded calls, not a person. These calls are disrupting my family. I changed the phone number to contact me. My mom continues to get the calls from navient someone named XXXX. When she answers, it 's a recording. When I call back, I speak to whomever answers the phone, I ask not to be called, emailed or texted. I am assured the calls will stop, they have not! Mom still gets the calls each and every day at XXXX. 

Just got a call from XXXX XXXX XXXX XXXX @ XXXX. Stop this harrassment!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Payday loan) with National Principal Group, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I started receiving calls that were a recording saying they were a trace service trying to get in touch with me. They started calling my brother 's house also. I talked to a company called NPG and they said they are a collection service for my original creditor, XXXX XXXX XXXX. They told me that I received a {$500.00} payday loan back on XXXX/XXXX/12 and I have not paid. I told them that was not me and that I did not get a loan. They told me then it was someone close to me who used my information to get the loan and that it belong to me and I had to pay. I told them to send me a contract showing where I signed for the money. They sent me their paperwork on their letterhead stating I owed them {$510.00}. The letterhead states " NP Group '' but the first sentence of that " demand letter '' says a company called " XXXX XXXX '' has purchased my account and placed it with NP Group. I did n't apply for this loan, did n't get this loan and I 'm not paying for this. They said they tried to get money out of my checking account but were n't successful so they are demanding I pay over the phone. They are harassing me and my brother 's family and it has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: incorrect information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Erroneously produced negative reports to all three credit bureaus causing a XXXX point drop in my score at all three. 

They did so while trying to collect a 2.5 year old, contested balance I 'd heard nothing about for that 2.5 year time. Out of the blue - bang - try to collect and immediately smear my credit reports at all three bureaus. 

I 'm about to apply for a mortgage and this will carry significant negative financial impact me in obtaining a favorable rate - far exceeding even the erroneous amount they were attempting to collect. 

The collection agency reported that they have completed their dispute investigation and that they found that the debt was legitimate - but they have not asked me anything, including for copies of my letters to the vendor, certified, return receipt, stating my position that the vendor had breached the sales contract and was not entitled to any payment. Those letters are succinct, factual, and contemporary to the time of the disputed services - XXXX. 

The {$130.00} XXXX dollar corporation XXXX $ XXXX then - seem to be growing fast with these tactics ) doing the XXXX here is XXXX. Their disgusting collection agent is Convergent Outsourcing Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (GA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Good morning, Back on XX/XX/XXXX I paid for a lawyer by the name of XXXX XXXX in XXXX Alabama in the amount of {$1000.00}. Court was on XX/XX/XXXX. I also paid on behalf of my XXXX, XXXX XXXX. XXXX XXXX did not represent XXXX the day of court, he did n't speak to the judge, he did n't present any evidence on XXXX behalf to help his case, and he did n't do anything he promised to do. We basically got to court and said to XXXX this judge seems like he is n't going to do anything for us. He then told XXXX to take a plea and we wo n't be going to trail. This lawyer took the money but did not do any work for it. The lawyer did n't go to the hospital to to get any evidence or take the case to trail for which we paid the {$1000.00} for. I then called the bank on that following Monday after I could not reach the lawyers office to get my refund. I filed the dispute, I was then given a provisional credit in the total amount. The bank says they send me two forms for me to complete regarding this dispute but I never received anything in the mail. I filed the disput on XX/XX/XXXX that following Monday after the court date and after not being able to get a hold of the lawyer. XX/XX/XXXX I  noticed that the credit was then reversed. In my mind I feel like my account was being montoried because the reversal happened as soon as my refund check from college was taken. I filed again on XX/XX/XXXX, I did n't receive anything in the mail so I got concerned and called the bank to find that my dispute was denied again due to the timing. I still have not received anything in the mail!!!! I feel that the bank prolonged my dispute so that I ca n't do anything about it and it 's unfair to me because if I 'm the customer and I say I have not received anything in the mail regarding my dispute of {$1000.00} I would n't lie. I 'm a single mother of XXXX now. This matter is very important to me and my small family. I would n't receive something in the mail from my bank and not respond in a timely manner regarding this much of an amount. I filed a dispute again today XX/XX/XXXX and I have also requested to speak to a manager, I was told that I will get a call back. The bank should have contacted me if I could not be contacted through the mail. I have my email on file and also my phone number. When money is not in my account after losing my job the bank called me almost every other day!! When my account was in the negative the bank called me but never brought up the fact that I did not turn in any of my forms for my dispute case! Now the bank is saying they do n't call or monitor accounts to be able to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with Alliance Data Card Services (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016, CCB/PPC ( Comenity Captial Bank / PayPal Credit ) - pay pal credit opened an account, it was found to be fraudulent and closed. However, they told me the hard credit pull would be removed from my credit report 2 months ago and it still is not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire 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 08-08-2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an unverified account from COLLECTION BUREAU OF AME. I had previously disputed this account. I have never done business with COLLECTION BUREAU OF AME. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that COLLECTION BUREAU OF AME provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COLLECTION BUREAU OF AME Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I would like to know why Campus Student Funding , LLC is still trying to collect on the loans from Corinthian Colleges despite judicial rulings that such loans violated consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Closing/Cancelling account

Complaint: credit card reported lost and stolen last payment made on this account 8 years ago XXXX literally holding me hostage by committing fraud themselves they keep changing dates so the clock is reset again and again this acct should have been removed from my report last year but they are changing dates they t do not provide any bank payment docs too IREALLY NEED YOUR HELP

Company response to consumer: Closed with explanation