milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have dispute a civil judgement XXXX times with transunion letting them know that this was discharged through bankruptcy in XX/XX/XXXX. They sent me a updated report showing the new informations that it was discharged then on XX/XX/XXXX I recieved a new report saying that the civil judgment was reinstated and I don ' know why. I need them to correct my report to show this debt was discharged through bankruptcy. from what I have been reading I think they are violating the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have never received any letter from the debt card company, XXXX, ( which was sold & probably closed all accounts without previous notice ), my payments were on auto debt, and because they without notifying me closed my account they were not able to keep charging my account. Suddenly 2 years ago I find my account in collection with JH Portfolio Debt Equities, still thinking my auto pay was taking care of that, I contacted the company and no one was able to give me more information about that account since it was too new. I contacted them several times and only after disputing through XXXX that they found out that they were sending registered letters which were not being forwarded to my new and updated address through USPS. I still wanted to pay my balance in full but in the correct amount without late fees and penalties applied by XXXX with the condition of them fixing their mistake with all credit bureaus and taking my name out as default on payment reported, but they refused! My credit was hugely and negatively impacted by their silly mistakes committed both by original lender XXXX and new debt collector JH Portfolio. Every quarter I contact them, they still ca n't do anything about it, just told me on the phone that if I pay they wo n't change my credit report with bureaus and I refuse to pay in these terms. They need to fix their mistakes and not make hard working and honest people like me to look bad even when going to buy a car. Unbelievable!!!

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 12-07-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has discontinued my ability to make principal loan reductions to my mortgage account online. And you can not make payments to tellers either. Since the Bank set up this new system where all payments are first applied to interest and any remainder is applied to principal. This is WRONG and should not be allowed. 
I should be able to make principal reductions at any time during the month without it being applied to accured interest instead. This IS ILLEGAL

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 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion deleted all inquiries and also added them back on which is against FCRA. I would like them all removed for good. With no addition later

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 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has incorrectly set up autopay on my student loan account 2 times due to agent/ representative error. I spoke with an agent on XX/XX/XXXX who suggested that I set up the auto pay and make payment online to avoid any agent error. I made a payment and set up auto pay XX/XX/XXXX. After getting a credit report alert that my credit score dropped XXXX points due to a 90-day past due reporting from navient, I called the company asking how this happened when I set up autopsy 2 times in past and just made a payment online through their company website. I made this call on XXXX. I spoke with an agent who stated that the autopay payments were rejected by my bank, noting the account did not exist. I then explained that the last payment on the account was made with the same account which is an account my employer, XXXX deposits my checks in. A supervisor then spoke with me, apologized and asked for the account routing number and account number I gave for the auto pay. I told him what the account and routing numbers were 2 times when he finally told me that the agents who set up the auto pay mixed up the numbers in my account whiched caused the auto pay set up to fail and be rejected by my bank. Due to their agents mixing up my account numbers when setting up auto pay, and a faulty online payment system, my account still shows as past due, even though I have proof of payment made and accepted by the company XX/XX/XXXX and XX/XX/XXXX from my bank with the same account number, 3 failed auto pay set up due to agent error, and a credit score which has dropped XXXX points bringing me from the XXXX 's to the high XXXX 's a poor credit rating after being reported 90-days late due to their agents/company error.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NM).
Issue: Managing the loan or lease

Complaint: I had purchased a vehicle earlier in 2016. I traded in the vehicle later in the year. The company with whom I conducted the trade with made a very big mistake with the pay out and did not put the proper VIN number to the payout check. Months had passed before the mistake was caught and all the while the company with whom I was receiving the vehicle loan was marking me for non-payment, while i was already paying on the newer vehicle. They reported my account as a delinquent account. When the mistake was finally caught and the payout became successful it was clear that the reason for the delinquent account was of no fault of my own but caused from a human error coming from the car sales company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by XXXX companies, the original company SYNCB/SMRTCN ( XXXX also called GECR PAYPALSMARTCONN ) and the company they sold/transferred it to XXXX. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While the XXXX list this debt as XXXX See any similarities? 
PayPal SYNCB/SMRTCN List this as a closed debt while XXXX list it as an active account. 
2. This account was closed by PayPal SYNCB/SMRTCN after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!

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 10/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was sold to NationStar XXXX 2016. XXXX XXXX I mailed my payment to address given indicating my new loan #. Around XXXX XXXX, I received a statement/remittance from them. The check I mailed on XXXX XXXX was not posted to my account until XXXX/XXXX/16. Then XXXX XXXX, I mailed my XXXX payment. On XXXX XXXX, I received their statement/remittance. On XXXX XXXX, I received a call from NationStar letting me know they had not received by my payment, I informed them that I had mailed my payment on XXXX XXXX. They said I should allow 14 days!!! Crazy! The representative suggested making a payment over the phone with him for a fee or signing up for AutoPay. On XXXX XXXX, I received a late notice dated XXXX. The check cleared my account on XXXX. I live in XXXX and send payment to XXXX. It seems ridiculous to expect payment to take 13 days to be posted to your account. I was previously sending my payment XXXX and it never took more than about 5 business day!! I have never received their statement which provides the remittance slip before the XXXX of the month. I save the remittance slip form the previous month to mail so that I can be on time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit history is rated unfairly. My oldest credit card is 30 years. I have had XXXX inquires XX/XX/XXXX and received a " C '' rating for this. I have XXXX derogatory comment with a notoriously fraudulent company. I have 100 % on time payments for over 30 years, credit utilization of 4 % and available credit of {$50000.00}. My credit score remains at XXXX, and as you know this is too low to receive good credit rates. For some reason there is discrimination against me with the credit reporting company. I am an older American and take my credit rating very seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Midland Funding LLC tried to sue us in court for a credit card debt that was out of the Statutes of Limitations. WE responded with this information in the clerk of courts. Midland filed to have it taken to court any. We had to attend court with a judge that preached to me and my wife that you need to be a lawyer to address the court After I stated that the Statutes were out. He would n't let me say anything else. We went to the clerks office and once again filed that the statues were out. Finally Midland had a dismissal without prejudice entered. I we had n't known to state the statues at the clerks office, We would have had a judgement against us that should have not happened anyway, like others we have with nasty midland crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to complete a short sale with Roundpoint mortgage for over 2 years. They continue to stall and keep asking for more documents. I finally completed all their document requests as of XXXX XXXX. I was told they have a " complete package '' that was submitted to " processing dept ''. I was told they would make a decision in 30 days.. It has been 47 days and they still will not make a decision. I have a cash buyer that will not wait much longer. This is my XXXX cash buyer. All other cash buyers have walked due to the delays from Roundpoint.Their last excuse was the the buyer 's name was not spelled correctly. I feel that I am not being treated fairly and they should not take this long to approve or reject my short sale request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I faxed XXXX on XXXX/XXXX/XXXX and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.

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 03/20/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Settlement process and costs

Complaint: I AM A XXXX VETERAN. I AM WRITEING THIS LETTER BECAUSE BANK OF AMERICA HAS ILLEGALLY MERGED XXXX DIFFENT EQUITY LINES OF CREDIT ON A HOUSE UP FOR SHORT SALE AND XXXX THE EQUITY LINES OF CREDIT BELONGS ENTIRELY ON A DIIFRENT HOUSE ONLY RELATION IS THEY BOTH HAVE IS THEY BOTH ARE OWNED BY BOA. THE LESSER AMOUNT IS ON XXXX XXXX XXXX XXXX, MICHIGAN XXXX. THE HOUSE GOING TO SHORT SALE BECAUSE ITS EQUITY LINE IS IN DEFAULT BECAUSE IT IS XXXX NOW {$65000.00} UPSIDE DOWN IS IS XXXX XXXX XXXX MICHIGAN XXXX. 
BANKS HAVE THAT MUCH POWER NOW. WOW. 
PLEASE HAVE THEM CORRECT THE PROBLEM.. THEY HAVE IT IN THEIR RECORDS THAT THE LESSER LOAN THAT IS NOT IN DEFALUT BELONGS TO A TOTALLY DIFFERENT ADDRESS WHICH IS XXXX XXXX XXXX, XXXX, MICHIGAN I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN. THEN THEY FORCED ME TO CHOSE BETWEEN SHORT SALE OR FORECLOSURE. I CHOSE SHORT SALE BECAUSE I DON.T WANT TO FILE BANKRUPTCY. I PAY MY BILLS. I HAD TO FIND THE REALTOR AND THE BUYER. THE BUYER IS ABLE TO BUY IT ON PENNIES ON THE DOLLAR AND I GOING TO RECIEVE A XXXX I HAVE TO CLAIM IT AS EARNED INCOME. AS MUCH AS IT HURTS.AND AS EMOTIOAL DRAINING AS IT HAS BEEN, I DID IT. NOW I FEEL I HAVE BEEN WRONGED AGAIN. I HAVE A FAMILY HOME THAT WE JUST LET FAMILY LIVE IN FOR FREE XXXX XXXX, XXXX, MI XXXX IT HAS A SMALL LINE OF CREDIT OF {$7000.00} I ESTABLISHED WITH XXXX WHEN I WAS AROUND XXXX OR XXXX YEARS OF AGE. I AM NOW XXXX. THE ACCT NUMBER ON XXXX XXXX HAS CHANGE SEVERAL TIMES THROUGH BANKS. 1 ST WAS WHEN XXXX PURCHASED IT FROM XXXX, 2ND WAS THEN BANK OF AMERICA PURCHASED IT FROM XXXX BANK. 3RD TIME WAS WHEN BOA WAS CHANGING ALL THERE ACCOUNTS IN 2007 THE ACCOUNT CHANGED AGAIN. XXXX XXXX ACCOUNT HAD XXXX ACCT NUMBERS THIS ACCOUNT IS SO OLD IT IS GRANDFATHER IN TO BEING A FOREVER REVOLVING LINE OF CREDIT. NOW BANK OF AMERICA IS TRYING TO TAKE XXXX OF MY HOUSES FOR THE PRICE OF XXXX. PREVENTING THE SHORT I AM UNABLE TO SHOW PROOF OF THE PAPER WORK BECAUSE MY HOUSE HAD A HOUSE FIRE AND I STORING A LOT OF MY PAPERWORK IN THE BASEMENT. SO I AM UNABLE TO PROVIDE THE INFORMATION FROM NEARLY 25 YEARS AGO. BUT IT IS HARD FOR ME TO BELIEVE THE HOUSE WHICH IS TO BE SHORT SALE ; XXXX XXXX XXXX MICHIGAN HAS MYSTERIOUSLY GOT A XXXX MORTAGE OF AN ENTIRE OTHER HOUSE XXXX XXXX XXXX MICHIGAN IS UBELIEVABLE. THIS IS WHY I GOT A LAWYER. IT WAS JUST THE WRONG ONE AND I CA N'T AFFORD ANOTHER ONE. THIS IS WHAT THE BANKS ARE DOING TO XXXX PEOPLE. THE BUYER WHO IS READY TO FLEA, I AM STILL RESPONSIBLE FOR THE WATER BILL AND TAXES. IT 'S JUST TOO MUCH. I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN.

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 05-11-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (VT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a conventional home mortgage through XXXX financial which was opened in XXXX of XXXX. When XXXX XXXX went out of business my mortgage was sold off several times until it landed with Specialized Loan Servicing, based out of XXXX XXXX, CO. This buyout occurred approximately XXXX, XXXX. At that time, my mortgage balance was at {$72000.00} and my monthly payments were at {$560.00}. While attempting to work with SLS, I had submitted for a XXXX hardship re certification of my mortgage. The solution from SLS was to then increase my mortgage payment buy almost {$300.00} taking monthly payment up to {$850.00}. I decided to vacate the property in XXXX of XXXX and notified SLS accordingly. I have attempted to do a short sale on at least XXXX seperate occasions as well as a deed in lieu twice. I have hired XXXX separate realtors over the past four years and each realtor ultimately resigned, stating that SLS refuses to cooperate in any way with the sale of this property. Four years later, I still have this property attached to my name which is destroying my creditworthiness. SLS is reporting several inaccuracies to all three major bureaus including : incorrect balance, incorrect monthly payment, and incorrect origination date. They refuse to short sale, deed in lieu, and even foreclose. I have disputed the inaccurate information being reported by SLS, to all XXXX credit bureaus, but to no avail. The home has been appraised, both by a private company and by SLS. XXXX appraisal came in around {$35000.00} for the property as it stands due to economic collapse in that area. Given the assessed value of the property, SLS continues to increase the amount owed every month to a now staggering {$66000.00} in late fees alone.

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 02/21/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, I was checking on repayment dates for my loans. From the information provided at that time, repayment wasn't due to start until XX/XX/XXXX. 

On XX/XX/XXXX, through XXXX ( an app I connected to Navient ), I saw there was a payment coming due on XX/XX/XXXX. I went to call Navient to see if I could have the due date pushed to XX/XX/XXXX,  as I was not planning on starting repayments this early and wouldn't have quite enough to cover the loan payment and my other obligations. 

I called Navient on XX/XX/XXXX, and after verifying got sent to the collections department as there was a past due balance on my account. The agent refused to answer any questions or provide any assistance until the past due was paid. 

I checked my email, and the first notice of my loans going into repayment was on XX/XX/XXXX with a due date of XX/XX/XXXX, the next day. 

After seeing the emails, I contacted Navient via the email provided on their XXXX account asking why there was only a 24 hour notice of repayment starting. I did not receive a response, but I was sent another monthly statement dated XX/XX/XXXX. 

1 business day is not sufficient notice when loans are coming out of a deferment period.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transition reporting inaccurate ifo on my credit report and wo n't give me a credit report

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 08-11-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Cash advance fee

Complaint: I obtained {$1000.00} cash advance x XXXX on XXXX, XXXX, and XXXX/XXXX/15. When I received my statement in XXXX, 2015, I immediately repaid the {$3000.00} plus associated fees. Furthermore, I have paid my account in full every month in 2015. For some reason, citibank has billed me interest on the XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 statement, totalling about {$240.00}. Furthermore, the current statement shows the balance of the cash advance as INCREASING as interest is accrued. But the cash advance was PAID OFF IMMEDIATELY, along with the entire balance of the card every month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Credit card () with Alliance Data Card Services (TX).
Issue: Billing disputes

Complaint: I 've had serious issues with Comenity Bank rejecting my payments and reporting me late to the credit bureaus over it. I am under hardship programs to get my my balances down, due to the fact that, constant XXXX ups with the and then they claim that it was my bank rejecting the payment. My bank got involved and stated that any rejected payment would have had me paying fees, which, there was not. Some of my accounts would take the payment out just fine, but, then there were others, with the same exact bank number, they stated, the bank rejected. I filed BBB complaints on several times and a lady said she was removing all lanes from my credit report and the late fees. She told me that it would take a few billing cycles for both to clear. She removed the fees but, in the end, decided that she would n't remove the mark on my credit reports. During the year of 2016, many time when I would go and log on to my different accounts, the site would n't allow me to make payment and even, at times, would n't allow me to log in with my correct info. I found that the sites would suddenly work AFTER my due date, which, gave them another reason to apply more late fees. I decided that putting ( XXXX ) of my accounts in a hardship program would help me, because, they would drop my interest rate and I would be able to auto pay with them. This company does NOT offer auto pay on their websites, but, they will if you got on XXXX of their programs. Over the past few months, I noticed that I would get credit report alerts and when I checked, Comenity, even after me being on their hardship programs, would put a late on each month. Now, nowhere in any of the conversations with several customer service representatives did they mention that they would place a late on your credit report as they put you on their program. If that were the case, I would n't of ever signed up. There is even a computer that discloses all that we agree to at the end of the call and it never mentions this. I 've checked online and I have noticed that everything I 've gone through, there are tons of pages of complaints of it being done to others. It is not fair that they punish us and punish us without telling us that in our agreement. I even have the agreement on paper and it never stated that we would be reported to the credit bureau while on the program.

Company response to consumer: Closed with monetary relief