milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I want to make CFPB aware of another issue with Navient that has troubled me - they make it extremely difficult to find out how your payment is allocated - interest and principle - declining balance. Every other lender I know shows your prior statement balance, your payments made, how much went to interest and to principle, and then ending balance. In this way you can see if, for example, your minimum payment of {$750.00} on your student loan payment, only pays down your principle by {$79.00} dollars with the rest going to interest. My loans are consolidated with them, and I have previously raised this issue with customer service, and they had no answer other than the website was being redesigned ( this was over a year ago ). I have figured out how to do this manually, but the average student loan payer will not go to the trouble. You have to go to their " archived '' old site, then to your emails ( all my communication is electronic ), then gather your monthly statements, then write down your prior balance, payments, interest and principle, and manually review the declining balance. This is how I figured out that on many months only a tiny % of my large payment was going to principle. This to me is a very deceitful way to do business - by making it so difficult to understand the declining balance, and thus how much you are actually paying off without manually tracking it, they are encouraging everyone to remain in huge debt as long as possible. They should be made to put this on the main page of the borrowers ' loan balances - they already have the payment amounts, it would take very little programming to add this. It seems as if Navient is purposely omitting this information to keep borrowers on the hook for as long as possible since if people knew they only had a small amount going to principle they would be motivated to pay their loans off sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Medical) with Southern Service Systems, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: After disputing a debt to Southern Collection System that has remained on my credit report for almost 2 years after my bankrupcy was discharged, I received a letter from Southern Collection System stating that I had " failed to dispute the validity '' and had not made arrangements to pay. They demanded that full payment be made within 10 days. Although I do not have prior documentation, this is the 2nd time I have attempted to dispute this debt and have it removed from active collections in the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX i purchased a XXXX computer, made payments on it for several years, I fell behind, the interest rate was extremely high andI couldnt get to the balance. I stopped making payments in XXXX. Its been over 10 years and the negative response is still on my credit report. The original company, XXXX sells it off to XXXX a while back then it gets sold to XXXX company and they say the origianal creditor is XXXX. That is false they keep selling it off and repeating it over and over, and do this over 10 years, and keeping it current. Please look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Trouble during payment process

Complaint: I recieved an offer from Ocwen Loan servicing to reduce my mortgage payments by {$500.00} a month if I would particpate in a 3 month trial period. I did so and made payments of {$1100.00} on XX/XX/XXXX and again {$1100.00} on XX/XX/XXXX and a final payment of {$1100.00} on XX/XX/XXXX. At the end of the 3 months I was to receive paperwork that would restructure my agreement with Ocwen Loan servicing however, no agreement was received. I had been scammed out of {$3400.00}.
I called Ocwen Loan Servicing and related the problem to them and sent the information about the transaction at which time I was told there would be a fraud investigation. When I asked if I should be making my regular mortgage payments I was told to wait until the investigation was completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Called sister out of state looking for my phone number to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I attempted to open a business checking account today ( XX/XX/XXXX ) as I have just recently launched my own company. To my surprise, and sadness in what should have been a very happy day, I was turned away from XXXX XXXX due to a prior reporting by SunTrust. I was not turned away due to poor credit, or bounced checks, or not providing the necessary business paperwork ... but due to an odd decision on top of an odd decision made by SunTrust. XXXX provided an adverse action notice on the new account due to SunTrust reporting fraud on a previous checking account that I had with them ( ending in XXXX ). This was a shock as SunTrust, in XX/XX/XXXX, closed the account abruptly with no information. At the time I was frustrated, and after talking and escalating many times with SunTrust I learned that the account was closed due to me opening " too many disputes '' and due to their internal regulations/tolerance to have the account. As much of a pain as it was to have a checking account closed with no notice, and as questionable a practice as it now seems in hindsight, I shrugged it off at the time and went to another banking institution. Now, years later, this odd decision which was originally a question mark is now haunting me again in the form of not letting me establish new banking relationships. As a consumer I would expect a bank, and still do with my current financial institution, to act as an intermediary when it comes to a dispute with a merchant. If there are questionable charges or a merchant is uncooperative, I ( as do many other consumers I presume ) seek aid from the financial institution who facilitated the transaction via the dispute process. How should this lead to ramifications to the consumer in the form of an abruptly closed account or adverse consumer reporting on an account with a {$0.00} balance? It should n't. 

Further, I have researched with XXXX ' consumer reporting agencies and XXXX XXXX XXXX does not have record of this " fraudulent '' account. I am still awaiting feedback from XXXX ' other provider, XXXX XXXX XXXX. 

Lastly, I have attempted to resolve directly with SunTrust to no avail. When the account was closed in XX/XX/XXXX I was a confused consumer that had minimal harm from the ordeal - now I am a baffled consumer that is being held back from finalizing a business start up. The case number with SunTrust is XXXX. SunTrust 's customer care and credit reporting departments evidently have no knowledge of this adverse reporting and have no abilities/desires to correct the issue.

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 06/18/2016 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (FL).
Issue: Managing the loan or lease

Complaint: I have a loan with Carfinancial Capital since XX/XX/XXXX. the due date was requested to change on XX/XX/XXXX after I get my new job outside the USA from XXXX to the XXXX of each month, the change was requested in order to avoid late fees. The finance manager at the time XXXX XXXX who I believe is not longer with the organization agreed and approved to the change but six month later I started receiving harassing calls and letters from the company because the account had accumulative late fees, Then I came to know that the new due date was never adjusted. I had tried several times to come into an agreement with the company about the due date since my payroll date is on the XXXX of each month and by the time I wired the money to usa and I make the payment It ca n't be earlier than the XXXX but their answer is always very rude and with no accomplishment, I am making my payment each month and on time but due to their negligence to fix the situation from XX/XX/XXXX the account keeps increasing with late fees. I have several communication on the phone and the very last ones in writing to the manager of finance department with no reply from their part.

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 Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed a dispute in XXXX against the collection agency known as XXXX ( XXXX ), account number XXXX Phone number XXXX with equifax sometime in 2013. Equifax failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX CFPB : Bank of America/LaSalle Bank claims that my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, was Securitized into RMBS, including, but not limited to, AFC Mortgage Loan Asset Backed Certificates Series XXXX ( XXXX, XXXX XXXX and XXXX XXXX Series XXXX ( XXXX, XXXX XXXX, that it, BofA/LaSalle, is the Trustee for all such RMBS, but refuses to supply me details. 
Please have e-mailed to me, for my ARM Loan, the Names and Start and Termination Dates of all the RMBS into which my ARM Note was securitized, along with the names, contact information, number of shares, percentage of shares, and periods of time of ownership of such shares, of all the Certificateholders of said RMBS. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 06-12-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: CountryWide stole my home from me, which had been paid for XXXX times over, first by my signature on the Promissory Note, then on the refi promissory Note & from my personal check which CountryWide monitized. Also I signed forms that were not fully disclosed to me. I did not know that by signing the forms, I gave the property back to CountryWide & agreed to pay them about {$900.00} a month for 30 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Mortgage) with Sortis Financial, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a mortgage with XXXX. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to ClearSpring Loan Services for collection even though the mortgages are current and I continue to make regular payments. In speaking with XXXX several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from ClearSpring demanding payment even though I have sent an e-mail to ClearSpring explaining the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax recently reported a data breach of full identifying credit and identity information of approximately 143 million U.S. customers due to their negligence in protecting this critical data of which their customers have no direct control or consent over. Their website attempts to identify if I " may have been impacted '' by the breach, but it appears it may be providing a random response based on the differing answers I received when using the website more than once with the same information.
Based on the estimated number of customers impacted, including 8 million NY customers, it is highly likely most or all Americans with credit reports, including myself, have been impacted. Since much of the leaked information is virtually immutable ( such as SSN 's ), I will now have to contend with the possibility of my leaked identity being used for theft or other criminal purposes for the rest of my life, barring a major overhaul of SSN 's and the credit reporting system. 

Equifax has offered a year of credit monitoring through their own service, which will not itself prevent unauthorized activity related to my leaked information, nor will it protect against the repercussions of such an event. Additionally, the service will require payment to Equifax after the first year to maintain the service, while the potential for harm to my credit will be life-long. The leak itself, in addition to the original wording surrounding this monitoring service combined with recent reports casting doubt on the integrity of the security features used for this service make this an unacceptable remedy to the situation caused by Equifax. 

The best course of action I can take to protect myself is to make use of credit report freezes for all three credit reporting agencies ( Equifax, XXXX and XXXX ), in addition to utilizing fraud alerts and either manual monitoring of my credit report or subscribing to a monitoring service indefinitely. Aside from the resulting inconveniences and worry these introduce, there are fees associated with these measures that I am expected to pay for these services in order to maintain any protection and peace of mind for the period which I am affected ( which in this case, may be the rest of my life ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TransUnion is reporting a Tax lien that I have no knowledge, I have tried many times disputing this with TransUnion with the item not being deleted. The tax lien amount is for {$10000.00}. Also I like to include that XXXX and XXXX deleted this already.

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 07-11-2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NV).
Issue: Shopping for a loan or lease

Complaint: I, XXXX XXXX XXXX give permission to assist me in this matter that I am submitting today. I have called today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed and reported to Regional Acceptance Corporation in XXXX XXXX! XXXX continues to report incorrect information on my credit profile. XXXX is not properly validating the true file date of my BKXXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BKXXXX date as XXXX XXXX, XXXX. The credit agent at XXXX is making an attempt to fulfill my request to validate and confirm the correct BK-XXXX file date to Regional Acceptance to show is XXXX XXXX and NOT XXXX XXXX, which should not reflect any late payments prior to filing a sole petition alone and without my husband to correct my BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from the credit reporters database to show the discrepancy and to have it fixed right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of Regional Acceptance Corp/BB & T XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and Regional Acceptance has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, Regional Acceptance was to re-insert the trade line - it was not done, and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with Transunion when I sent them letters about the inquiries as well as phone calls . Tranunion reinserted those inquiries after they were deleted and I never received a 5 day notice about  the reinsertion. Which is a violation of the FCRA.

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 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (ND).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Brinks sent me a debit card with my name and a CVC code on back. The paper attached also had an account number and routing number, and it said to call to activate it. I called once, but was unable to reach a live representative. I also tried to email them at their customer service email, but the it was 'not delivered/returned a few days later ', so I tried another email they had listed on their site, and had no luck with that. I want to know why the card was sent, as I did not order one. I am concerned because I can not reach anyone, and want to know what is going on ( i.e. If my identity has been stolen, etc ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with FIRST MIDWEST BANK (IL).
Issue: Other

Complaint: I came to the branch to ask about the requirements to get a credit card. But I did not apply for it. I have an inquiry that I need be deleted.

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 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The balance on my XXXX XXXX XXXX account was settled and should now be at a XXXX balance.

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 06/15/2017 about Debt collection (Credit card debt) with Kimball, Tirey & St. John LLP (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: KIMBALL TIREY ST. JOHN # RON0****   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA 92108   XXXX   XXXX   XXXX   XXXX   The above referenced credit collector made a false report on my credit report, an d in it they claim that I owe them {$1200.00} for a debt that they are trying to collect for their client     XXXX   XXXX   XXXX  .   I lived in those apartments, and I paid all of my due rent. After I moved out they stole my deposit, and did n't return it to me. Some months later I did get a letter from  Kimball Tirey St. John in  which they claimed that I also owed {$1200.00} for cleaning of the apartment. I left the apartment in a clean condition. When I called them in order to set things right, they told me that they already reported it to the  Credit Reporting  agencies after I had a ruling against me. The thing is that I never got a Notice to  Appear  in order to contest their falce allegations. Please help me ; I am recently married, and I am trying to buy a home for my wife. I work as a   XXXX   XXXX   XXXX   XXXX   in a   XXXX   XXXX   school, and  XXXX  's false statements is affecting my ability to get a loan for a home.     Sincerely,  XXXX   XXXX   XXXX  cell

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ceannate (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company FMS Investment Corp. XXXX informed me that I would be participating in the Loan rehabilitation program which would reduce fees and costs associated with the transfer of the loan to their company and take away any interest accrued. I have been dealing with this company since XX/XX/XXXX, all the paperwork I have received has said that I was in this program, and I have talked to several employees there of which multiple have informed of the above stated information. Today on XX/XX/XXXX I was informed I was not in the program and none of the above mentioned services would be provided. The information I have been receiving was false and extremely misleading. I informed them that if I would have known this I could have paid it off sooner rather than it gaining interest that I would end up paying back. They stated they were sorry of the misinformation.

Company response to consumer: Closed with explanation