milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended The XXXX - XXXX from XX/XX/XXXX-XX/XX/XXXX. The school used all my information to take out the loans for me to cover the expenses. However, I was signed up for expensive subprime loans that they knew were going to fail. I was denied income based payments after the grace period. After graduation I was making $ XXXX/year as a XXXX with loan payments of over $ XXXX/month. I also believe they failed to properly allocate my monthly payments I was giving them. The payment was broken up over XXXX different loans. I have also been denied the option to consolidate. Some loans are extremely low interest while others are very high with large balance. Was only allowed to consolidate my federal loans. I have never missed a payment so why am I still being punished? Currently, XXXX loan is at 11.125 % with a balance of {$9900.00} while another is at 4.25 % with a balance of {$8600.00}. They allocated my payments to pay off the loans with the lowest interest rate first. Resulting me to have higher interest fees over the life time of the loan. XXXX of my loans have been paid off and the rate range was 2.36 % - 6.80 %. My current loans with balances range from 4.25 % - 11.125 %. This is also after the slight deduction for having automatic payment set up.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX, Equifax and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out Federal and Private student loans for my college education. XX/XX/XXXX and again XX/XX/XXXX, I suffered a XXXX that forced me out of work and I had to halt payments on my student loans. I have yet to fully recover financially from the impact of those incidents, but XX/XX/XXXX, I began repayment of my loans through XXXX. 

I made verbal payment arrangements with them, and I began to send in my monthly payments via my online banking bill payment service as they provided physical checks to the lender for payment. For over 5 months straight, my payments were deducted out of my account and cleared ( I have scanned images of those checks having cleared and been stamped for deposit by XXXX ), but after 5 months I received a notice of default from them, stating I had not made any payments. 

Once I received this notice, I printed off the images of the cleared checks and contacted XXXX, and they indicated that they could not service or answer my inquiry as it was in default and sent to another loan servicer. I have since paid off those smaller accounts, but they are still showing up on my credit report as " closed-missed payments '' and prohibiting my ability to secure credit despite my excellent credit score. 

I am beyond furious as I feel helpless and without recourse after having paid as agreed, only to have them not ever post a payment to my accounts ( Where did my money go? ), but adding insult to injury, now I can not secure credit for something that happened 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have never been late on making a mortgage payment and have never partially made a payment. I have a great credit score and always pay my bills on time. On XXXX XXXX, 2016. I received an email from Quicken Loans telling me that they did an updated escrow analysis and that my monthly mortgage payment will be increasing. I called Quicken to find out what the new payment was and Quicken was now asking me to pay {$7000.00} starting XXXX XXXX, 2016. However, my prior payments were only {$3800.00}. Quicken notified me that I have a deficit in my escrow account of {$22000.00} and that they want a payment of {$7000.00} for 12 months and that once the 12 months are up, My payment will be {$5100.00}. There is no way that I can make these increased payments when they happened so abruptly. It is not my fault that there is such a large deficit in the escrow account because I made my payments in full every month. Now I am blind sided with this situation and will end up losing my home. It is not fair that they are just able to increase my payment so drastically. I did not cause this situation. Quicken loans should have accurately calculated the mortgage payment prior to there being a deficit of {$22000.00}. There is no way that anyone could comfortably make this type of payment so abruptly and suddenly. I have no way of paying off this amount and now I am faced with being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit reporting company, Equifax, discovered they had had a serious data breach involving the compromise of thousands and thousands of their customers data in XXXX of this year. 

They recently made the public aware of this breach. Customers make check the companies web site to see if their personal data was involved, however, to do so automatically means you give up your right to sue the company and are forced into arbitration if you incur damages from the breach of your data. This seems totally unfair to the consumers! Especially since it is believed the reason for the breach in the first place was that the security purchased by Equifax to secure its data was insufficient, although sufficient security was available. Apparently, it was a company budgeting decision not to get the sufficient security. 

Additionally, it appears that between Equifax knowing of the breach in XXXX, and the general notice to the public just recently, many executives of the company sold their stock..

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We have submitted a Loan Modification Request on XX/XX/2016 clearly more than 7 days prior to the sale date of XX/XX/XXXX in compliance with Rule 3.3. However. the lender, Wells Fargo, has not postponed the sale date or even put the file in review as of XX/XX/2016.

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 05/26/2017 about Mortgage (Conventional home mortgage) with ASTORIA BANK (IL).
Issue: Struggling to pay mortgage

Complaint: We have been processing a short sale wit h Astoria  and their servicer  XXXX  since  XXXX  of  XXXX . I will spare you all the details of how they lost our documents several times and re-requested items they already had. This is why it has taken a year to process the short sale. The most egregious issue is on  XXXX   XXXX ,  XXXX , a counter offer was issued and the buyers accepted the counter offer. All of the requested documentation was submitted to Astoria on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX ,  XXXX  indicated they will issue a decision by  XXXX   XXXX ,  XXXX . I contacted them several times to follow-up and finally on  XXXX   XXXX ,  XXXX , the day after the Federal taxes are due they requested a copy of them to continue the review. It should have been out of review by  XXXX   XXXX , according to their timeline. We provided the taxes on  XXXX   XXXX . They indicated this file was not sent to the committee for final decision until  XXXX   XXXX ,  XXXX  and they will take 30 days to review the offer. It 's ludicrous to require another review, since this is the counter offer THEY issued us, and we agreed to it. What is their to review? Today, I received a call from the second lender indicating if  Astoria  does n't approve it by  XXXX   XXXX , the 30 days they set out as their review period, they will rescind their short sale approval and we will have to start over with the entire negotiations. It is completely unconscionable to request a counter offer and when it 's agreed to, indicate you will take 30 days to re-review it. Why would the counter offer be made if it was not approved by Astoria already? It 's not negotiating in good faith or a good way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: i have requested many issues on my report be resolved and many issues still remain

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 05-02-2016 about Other financial service (Debt settlement) with AES/PHEAA (NY).
Issue: Unexpected/Other fees

Complaint: I was contacted by fedloan and told they could help me get monthly payments of XXXX dollars paying back my student loans then once i signed up i was told they could not help unless i payed them XXXX dollars and i did not act fast then the Gov could start garnishment of my wages.I startd paying XXXX dollars first payment then i went online and noticed they did nothing after reciving the first payment then i called to cancel thier services and was tol i could not do so if i did i was threaten with collectons atthat point and emails and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Further to case # XXXX to Bank of America. I am still waiting to get the information requested : ( 1 ) why was the loan serviced by their collection department ( 2 ) provide me with a copy of the recorded note prior to them losing it. 
( 3 ) who was the note holder up until the day the held the documents. 
( 4 ) why did n't they file a XXXX continuation. If they did, provide a copy of such document.

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 01-11-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX XXXX XXXX sent me a letter on XX/XX/17 in attempts to collect a debt from a debt collector. This letter did not include a statement describing my right to dispute the debt as per FDCPA guidelines. 

The letter also stated " the total balance on the day you pay may be greater as a result of fees and interest that continue to accrue. '' This does not comply with the FDCPA 's requirement that debt collectors clearly state the amount of debt. By failing to provide additional information such as the interest rate, date of accrual, and nature of any added fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been off and on an income based repayment plans with Navient. I have been having problems with them not processing my applications. I submit all info, they tell me that they have received it. Then I would get an email saying my next payment is XXXX. I call and they tell me to wait until I am closer to the due date. I do, and the amount does n't change. I call back and they tell me that they have not received all of the information and I will have to resubmit my application and force me to do a forbearance agreement. They have taken the {$590.00} out of bank account twice. The first time I called I was told that I was on a XXXX mo IBRP. I had to go to my bank and fill out a report that I did not authorize that payment. The second time was " for the remaining XXXX months of the XXXX and my plan expired. '' I again had to go to the bank and file another report. I removed my account information for the auto pay. Then I was told that I had to add my husband 's financial information even though this debt was incurred well prior to my even meeting my husband. He is also an XXXX XXXX XXXX with a security clearance. So I did as I was told to go to XXXX and the IRS would send our tax return info directly to them. I received confirmation from the government that it had sent the information. Navient initially told me that it had received the information and that it had not processed the information yet and to check closer to my XX/XX/XXXX due date. I did, it was still showing the XXXX amount. I called and then Navient claimed it did not receive the information and I would need to resubmit again and again forcing me into yet another forbearance until XX/XX/XXXX and then they changed it to XX/XX/XXXX. My account is showing an amount past due of over {$1100.00}. The short times I was on the IBRP all payments were applied to interest. I owe so much more now than the original loan amounts. I have XXXX loans with them, but I am attaching screen shots of the larger XXXX, but the same thing is happening to the smaller loan. I have been trying to work with Navient since it took over XXXX ( who did not treat me well either ) and have been arguing with them since XX/XX/XXXX of last year, just trying to get these loans paid. They keep putting me into forbearance agreements and, at this rate, I am never going to be able to pay off these loans. I have finally got my credit situated and the fear of Navient reporting this to the CRA 's is devastating. I feel that they are taking advantage of me by abusing the system and waiving the fact that it will be reported to the CRA 's and they should be stopped from this unfair practice. I also have been sending them information to change my name to my married name for almost XXXX years. They have me as XXXX and my married name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is achatge of {$510.00} placed on my credit by, AFNI , INC . 
Address : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account Number:XXXX, Original Creditor : XXXX That I do not recognize. I have requested more information on this account and disputed this item several times, but no changes as of now. Please help to identify this item and cancel, since it does not look familiar. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 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: XXXX XXXX charge me for a charge that was not mine sent the police report that my items were stolen that a laptop and XXXX so my pw was saved on it violation or cra, ncac for credit unions XXXX showing incorrect amount costing me a loan usage and XXXX line of credit not showing with no balance making my usage of credit high

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX had lost my payment and cashed it 2 weeks later. I wrote to them, called them, and sent proof of the cashed check. They submitted a report to the credit bureau saying that I was late anyways. I put in a claim with experian along with all of my proof of payments and also sent a copy to XXXX. Experian did absolutely nothing to research this and did not even look at my proof. XXXX contacted me saying that it was a different month instead and so I got the paid check for that month, They kept changing the month or making excuses as to why the credit report was right. I had absolutely perfect credit for 25 years. I paid every XXXX payment on time for 6 years. They refuse to help. Their customer service is incompetent and seems to lie just to get off of the phone. Experian has the proof that I paid in XX/XX/XXXX and yet the credit report says I was late in XX/XX/XXXX, I have the payments for XX/XX/XXXX and every month so someone should do something. Both companies are incompetent and it could be easily solved by fixing my perfect credit rating back to the way it was before XXXX 's mistake. I refuse to lease with them again because of this and am thinking of seeking legal action for both as they will not help.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on my credit card on a monthly basis. The balance is incorrect the last time they reported this card was X/2017 not for XX/XX/XXXX or XX/XX/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 12-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A modification package was sent to nationstar via email on XX/XX/XXXX ( please see attachment ) Nationstar employee XXXX XXXX in Arizona stated that they need 37 days to review the file therefore they were refusing to open and review and start the modification process. We requested a supervisor and XXXX XXXX also stated that the file can not be reviewed as it is less than 37 days before the sale date. The sale date is set for XX/XX/2015.It is very apparent the Nationstar is refusing to review the file and is making excuses to avoid a proper review. In California as long as there is 7 days before the sale date the file can be reviewed as long as all documents are in. Nationstar is failing to abide by California guidelines and it is very obvious they would rather foreclosure on this home rather than attempt to offer any type of assistance to avoid foreclosure. It also appears that the issues the XXXX family has encountered with this company are due to discrimination based on race, ethnicity, language, and national origin. Please also referred to HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following:XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. XXXX Suspension of Scheduled Foreclosure Sale-When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. At this time the XXXX family is requesting the sale date of XXXX be postponed so their file be reviewed without any discrimination. They will assert their legal right and name Nationstar as well as the foreclosing trustee as defendants in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted XXXX XXXX XXXX , XXXX by letter to request verification of debt. XXXX XXXX XXXX has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.

Company response to consumer: Closed with explanation