milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On XXXX, I entered into a payment plan with Navient. They said my autopay for the full payment before the payment plan would be canceled even though it was due on XXXX. When I looked at my bank account on XXXX, they took out both the autopay and payment plan payment. I immediately called and they said they would refund the full payment that wasnt supposed to be processed but it would take 5 to 10 business days to be refunded. Having both payments taken out caused my account to be overdrawn. I was told during that call, I would be refunded any overdraft fees as long as I could show that Navient caused the overdraft. I had several online orders pending using my XXXX debit card authorized on the XXXX and completed on the XXXX. The funds for those officially got taken out of my account on the XXXX, XXXX and XXXX. I had an automatic payment plan that was due on the XXXX and it was not able to be changed as it had already been charged through their system. These caused me to have 7- {$35.00} overdraft fees. 
I received the refund for the payment on XXXX. I then called them once I had my statement of transactions. They issued {$70.00} for the 2 overdrafts for their payments. The representative said that she couldnt refund the additional as it was policy to only cover the overdrafts due to their payments. I then spoke to her manager and he asked why they should reimburse me. I explained that the 2 payments took almost half of my income and that I had money that I was planning on depositing to cover my payment plan payment and the additional charges that were to be coming out as the purchases were initiated prior to knowing that both payments processed. He said that if I could provide the receipts showing that the payments were authorized or scheduled before both payments were withdrawn that they would reimburse me for those transactions. 
I called back on XXXX after I uploaded the documents and receipts to them. The receipts all show a date of XXXX or before. The manager that time claimed that those receipts were after the date the loans processed so I should have known that both payments were coming out despite me being told that the autopay payment would be canceled and not come out when I entered into the payment plan. I didnt know until the XXXX about that and that I continued to spend even though I knew my account was overdrawn. I tried to explain to this representative what the manager the day before told me. The manager did notate the account that they would reimburse me but that the representative said his supervisor said they were after the XXXX but the first manager said they would cover anything before the overdraft was discovered. That supervisor wouldnt even allow me to talk to them and only gave me the answer through the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 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: Information belongs to someone else

Complaint: In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XX/XX/XXXXunder affidavit number XXXX after repeated attempts to delete them via XXXX XXXX in XX/XX/XXXXXXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.

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 06/23/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: They do n't repost my bank account statements fast enough

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Application, originator, mortgage broker

Complaint: When I established my mortgage loan with Pennymac, I was told that the PMI that was on the original loan would be dropped. As I look at the loan that was underwritten by Pennymac, I see that there is still PMI on my loan. This was promised to me by your organization. 
I want the PMI dropped, to disappear, to go away. My credit score is very high. I will refinance with someone else if you ca n't make this happen. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Mortgage) with Shellpoint Partners, LLC (DC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received unsigned communication from an alleged mortgagee debt collector ( Shellpoint Mortgage Servicing ) claiming that they represent XXXX XXXX and that I owe {$84000.00} to their client. I have replied to them with in the XXXX day period they set a verification of debt documentation and have sent it to them via Certified Registered mail # XXXX, Giving them XXXX days to respond. Since I know that their attempts are fraudulent, as I do not owe this money to anyone I want to get the CFPB involved. I have attached the documentation that has gone out to Shellpoint Mortgage Servicing,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (CT).
Issue: Deposits and withdrawals

Complaint: Went to Wells Fargo on XXXX XXXX XXXX in XXXX, CT to make a minimum withdrawal from my IRA. The person at the bank called the IRA department because she was having trouble completing the transaction. The IRA department told her that the IRA systems were down because the Bank was going through a conversion and told her to tell me to come back after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to XXXX   regarding a inquiry on my Credit Report regarding XXXX/XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.

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 10-02-2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: My friend in class XXXX reffered me to this website called XXXX, a babysitting website, and so I was told this is a legit website. I got a reply to a job posting from a women name XXXX XXXX, stating that I would help take care of her sick sister. The women promised {$500.00} in advance and {$500.00} each week for the responsiblilities. She told me she would erase the posting so no one else would get it and that she would email me. She 's been texting me of this number ( XXXX ) and told me she sent me a check and then asked if I received it and asked me to deposit it into my bank account and so I thought the check was real and deposited the check at my bank ( Santander ). I deposited the check on Friday the XXXX of XXXX 2015 and it cleared Tuesday the XXXX of XXXX 2015. She then asked me to deposit XXXX that same day for the apartment for her sister into an account by the name of XXXX XXXX XXXX ; Account type ; checkings ; Account number XXXX ; Routing number ; XXXX I deposited the money in cash and then the next day I got a call from the bank telling me the check was no good. I went straight to the bank and they told me there 's nothing they can do that I am held responsible for the funds. I am a XXXX year old college student just trying to get extra work on top of my other XXXX jobs. I just got my first car and have to pay for my XXXX college classes on my own, I pay for all of my own expenses with no help from my parents. when I went into the bank the same day they called me to tell me, a bank teller then looked at a second fake check that was delivered to me the next day I brought in for proof and she looked at it and saw right away that it was a fake check. My confusion and frustration is why did n't the bank teller that I gave the fake check to deposit not notice the same thing the bank teller noticed about the XXXX one, mind you both tellers worked in the same exact bank that this occurred. I 've been scammed and I feel as though I deserve a dispute. I have been with Santander a long time now and they wont even help me from recoving from being a victim of fraud. They are not helping whats so ever and they wont allow to even make claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01-10-2018 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: As a result of health conditions ( approx. X/XX/16 ), I was hospitalized and placed in a skilled XXXX facility. Reverse Mortgage Solutions views this as a violation of the vacancy clause and has reposed my home. When I visited my home recently, I saw a sign stating that my home was listed for sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Medical debt) with Medical Business Bureau (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of this account nor do I have any business With this company

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Deposits and withdrawals

Complaint: On Thursday XXXX/XXXX/2016 I was traveling for work. There was a billing error at the hotel I was staying at and a hold was placed on my Chase account fro my business hotel stay. I addressed the charge w/ the hotel ( {$1000.00} ). The hotel immediately issued a credit and gave a confirmation/authorization number of XXXX. 

I then contacted Chase Bank to ask them to release the funds based on the reversal of the charge. Upon making the request the bank denied to remove the authorization stating that it will automatically fall off after XXXX5 business day turn-around. 

I had the confirmation number so I asked if that could be expedited. I was transferred to a second department and was privy to a " behind the scenes '' conversation as the XXXX reps talked about my account and situation unaware that I was conferenced in. 

While hearing the XXXX reps discuss the issue I overheard that this was not going to be approved because I did n't maintain a high enough average daily balance. This argument did n't play for XXXX reasons : XXXX. I had a representative from the hotel explain the situation and give the verification number for the charge reversal. This alone should have been enough for Chase to allow access to funds XXXX. I have a $ XXXX overdraft protection account with Chase so even if the funds were given and the charge still went through, they have offered protection for just such an event I spoke w/ too many employees to count and prob lost my cool once too many times, however today is XXXX and I just received a call from a manager named " XXXX '' who called for the express reason of telling me that my request could not be honored. I asked him again to explain and he cited " Government Regulations ''. I asked for what regulation he was referring too ( I am not aware of any regulation that keeps banks from allowing access to proven returned funds ) XXXX could not site any regulation and when asked to escalate the call he refused stating that there was no one else to talk too. 
I am sure that XXXX did have a manager and that XXXX manager could look at the situation and make an exception based on the entire situation. Instead the entire organization turned a blind eye to an account that had been cleaned out by error and a flat out refusal to assist even when the facts indicated no reason not too.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: My account was used to make purchases I did not authorize. When I noticed these transaction the same day they were made I reported to Netspend XXXX/XXXX/16. On XXXX/XXXX/2016 I received an email that the dispute was started and gave me a dispute number. There were XXXX transactions totaling around {$700.00}. I get XXXX and that is my only income and I have no money to survive. Netspend is refusing to credit my money back pending the investigation and told me I have to wait till XXXX/XXXX/2016 to find out the results. I had possession of my card the whole time and I dont know how this happened. But the charges were for uninversal studios in XXXX and XXXX XXXX!! Some of the transactions have cleared but some are still pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Mortgage (Conventional home mortgage) with TIAA, FSB (MD).
Issue: Trouble during payment process

Complaint: I currently hold a loan with XXXX and have a discrepancy in the escrow account. My taxes on record show late fees as well as interest due to the company errors. They are collecting XXXX dollars a month for escrow on a total tax and insurance yearly account due of approximately XXXX. They are currently collecting double the amount of the escrow necessary. 

I have made XXXX calls to the company thus far with little or no answers from them. I believe they have no reported or paid my taxes properly and are responsible for any and all fees and interest charged since the date of my purchase in XXXX. 

I need help with this issue immediately as the new loan amount is very difficult to maintain with an extra XXXX or XXXX a month tacked on to the account. I have requested an escrow analysis 6 times since XXXX without any action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information in violation hippa, cra file id theft and police report to XXXX police dept XXXX case number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Closing/Cancelling account

Complaint: I applied for a " Discover IT '' credit card. and was approved, I sent in documents to prove my address and social security number and was told verbally that I was approved for a {$1000.00} credit line and my card would arrive in 7-10 day. so I wait a week and the card never shows neither does an decline notice. I checked back online after a two weeks for my application status only to get a message stating that I has been declined for the card and I would be getting a letter in 7-10 days. I 'm very confused as to why they would approved me then deny me for a credit card and why no denial letter was ever sent out. I sent them everything they asked for XXXX but I never received any correspondence from them after I think these are bad business practices and I ca n't help but think that is slightly discriminatory. My credit history is perfect never missed a payment on anything. So I really would like answers as to why I was approved then denied for a small credit line with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Medical debt) with Medical Recovery Services, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Medical recovery services. The first time they called about 3weeks ago at my work place which the man on the other line would not identify himself to my staff who answered the call and just said it is a personal call then when I answered the call the man would not identify himself except that he is from Medical recovery services but continue to ask me to verify my personal information such as bday, social security number which I told him that I will not verify anything until he tellls me what the call is about and his name and id # and to stop calling me at work so he hung up Then another call yesterday X/XX/17 in the XXXX around between XXXX. They called my office again and ask for me and this time they tiold my staff it is from medical recovery services but when my staff announced the call to me, the caller hung up. So i then XXXX the company that is when I learned they a debt collector. <P/>I feel my privacy had been violated when they identified themselves to my staff and did not stop when asked the first time to stop calling me at work.

Company response to consumer: Untimely response
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an email informing me that a late payment had been listed on my XXXX report the morning of XX/XX/2017. The compsny was Afni, and before yesterday morning I had never heard of them. Later that same night, I received notification that the same company had also reported to XXXX. I was never contacted by this company to receive notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a bill with XXXX and XXXX in 2005 that went to collections. I was incarcerated at the time of the collection. They had expired from my credit report and now they keep getting renewed and showing back up. They are closed on my XXXX and XXXX reports but not my transunion. I would like them to be closed on the transunion report as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: XX/XX/2016 : Citibank promised me a {$400.00} bonus for opening a checking account. XX/XX/2016 : Citibank reneged on this promise. XX/XX/2016 : I filed a complaint XXXX CFPB. XX/XX/2016 : Citibank promised to pay bonus on or around XX/XX/XXXX XX/XX/2016 : Citibank again XXXX on promise.

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 08/22/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MS).
Issue: Trouble during payment process

Complaint: I am complaining against DiTech XXXX XXXX XXXX, they increase my mortgage payments from {$790.00} a month to {$820.00} a month. Then they would n't approved me for HARP modification, after I have turn in all the proper paper work. I just got my monthly statement for XX/XX/XXXX showing I owe {$9100.00}. That is a XXXX lie, I am six months behind because I am going through a modification, my incorrect monthly payments of {$820.00} x 6= XXXX. They are cooking the books, then add injured to insult, they turn my loan over to another company. They are call XXXX XXXX XXXX XXXX. DiTech is a bunch of crooks, everything they do is illegal, I am trying to keep my home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with The Receivable Management Services Corporation (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My XXXX account indicated that there is a collection record reported to XXXX credit bureau by : THE RECEIVABLE MGMT XXXX XXXX XXXX, XXXX XXXX XXXXPlaced for collection : XX/XX/2015XXXX : $ 84Original Creditor : XXXX XXXX XXXX have been living in XXXX XXXX for the past three years, I do n't live in XXXX!!! my " trash service '' is included in my current rent where i currently reside. 
This is simply not mine!!!

Company response to consumer: Closed with non-monetary relief