milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: We sold a home in GA and the lender was located in TX. The closing was set for XXXX XXXX, XXXX and the closing attorney in GA contacted the Mortgage company in TX to get the final payoff and to get instructions for payoff check. The company received the payoff check on XXXX XXXX and then proceeded to report a XXXX late payment for XXXX XXXX. Prior to this, there had not been any late payments on the account for over 16 months. 

This single practice has caused my XXXX XXXX to drop below the required minimum to secure another loan to purchase a home. It has caused a grave hardship to myself and my family. This practice is not fair and is being done to punish me for paying off the loan earlier than expected, thus allowing the company not to collect the full investment on interest from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Student loan (Private student loan) with CITIBANK, N.A. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I took out a private student loan with Citibank for {$12000.00} with a co-signer in   XXXX   and 1 year later, while I was still in school, my co-signer filed for bankruptcy. Unbeknownst to me, my loan was automatically defaulted because of this action. My loan did not default because I ( the primary loan holder ) failed to make payments or I, myself, filed for bankruptcy. I was in good standing before this happened. I should n't be penalized for my co-signer 's action or financial situation. Now my credit is tarnished.     A few months after I finished school, I received a call from a credit collection agency and that is how I found out. I had to hire a lawyer to sort out this mess and ultimately, I had to use what was supposed to be a down payment for a house to pay off this debt so that I would n't have a defaulted loan on my 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 explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Today, XX/XX/XXXX, I check my XXXX XXXX account to see that the items that I did not authorize has not been removed from my credit reports ( XXXX, XXXX and Experian ) after taking the necessary precautions to deleting the unauthorized the accounts. I found out that these accounts were placed unauthorized by my ex husband after our divorce in XXXX i have been trying to remove these accounts since on or about XX/XX/XXXX. I disputed the items by phone and by certified mail. Each time they would send me a automatic letter stating that the items were verified but nothing was given to me in writing of proving that these accounts were mine. Once I notified them of this I was notified to get a police report stating my identity theft from my ex husband placing these accounts in my name. I went to my local police department and retrieved a police report. At the time it was a summary. I submitted the police report back to XXXX, Experian and XXXX along with my certified letter to remove these items and notifying them that I did not authorize these items. In XX/XX/XXXX I called the credit bureaus to once again notify them that I did not authorize these accounts due to my ex husband and the lady told me that I had the wrong police report that I had to get a full police report and once they receive that then the following accounts would be removed because I took the necessary steps to remove these accounts. In XX/XX/XXXX I went to the police department to receive the full police report and on XX/XX/XXXX I faxed my certified letter along with my full police report to XXXX, Experian and XXXX. The following accounts that are unauthorized and are charge off accounts are : XXXX XXXX XXXX for the amount of {$23000.00}, XXXX XXXX XXXX for the amount of {$9600.00}, XXXX XXXX for the amount of {$5100.00}, XXXX XXXX for the amount of {$4900.00}, XXXX XXXX XXXX for the amount of {$2500.00}

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 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion contiunues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i asked Transunion to remove the payments and all they have done is lower the reported payments that i make. I ask the bureau to make transunion remove my child support payments from being reported.

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 04-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Late fee

Complaint: I am Bank of America account holder who also has XXXX credit cards with Bank of America. I recently obtained a BankAmericard Cash Rewards card which was linked directly to my BoA online banking account. As I typically pay all my credit cards through the online system, I assumed this would be case with my cash rewards card. Not so. When I clicked on the 'make payment ' button, I was taken taken to the bill pay center but could not see my Cash rewards card listed with my other cards. There were no instructions on how to add a card. I 'd also signed up to ebilling but did not receive the bill through my email. As I was busy, I did not continue trying to figure it out until my payment was past due and was issued a {$25.00} late fee. I then called BankAmericard Cash Rewards card 800 number and the operator informed me that in order to register the card, I had to add Bank of America credit card as a company in the 'manage pay to accounts ' section. This is completely illogical. I am already in the Bank of America website and I am trying to pay them. There are no clear instructions on this page on how to do this and I do not believe a reasonable person would be able to determine that you had add Bank of America as a company in the bill pay center. Furthermore, I have XXXX existing credit cards with BoA that as far as I can remember did not ask me to do this. I also did not receive an ebill nor a written bill. This leads me to believe XXXX things. XXXX, this could be either be a deceptive practice by BankAmericard Cash Rewards to increase the likelihood of first time users incurring a fine because that can not easily determine how to make payment. Or XXXX, it could also just be very poor user experience design. Either way it is leading to unfair fees being levied on BoA customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I signed up fo r Automatic payme nt on my loans as soon as I could. Initially the payments were about {$330.00}, but then I paid of f one of   the loans so the monthly amt. due was {$270.00}.     I had been paying extra on my student loans for abo ut 2-3 years . I noticed first in   XX/XX/XXXX   that something did n't seem right when I signed into my account. It was stating that the due date for next payment was no t  XX/XX/XXXX , but  XX/XX/XXXX , and  XX/XX/XXXX  for most of them. ( screen shot attached ) I called Navient to f  igure ou t what was going on, but do n't believe I got a clear answer, but simply was told the system is just adjusting to my extra payments. I had called periodically because I kept seeing that my monthly payments were being split and not getting applied to the month it was due. I was constantly assured that it must have been a system error and it was all being applied correctly.   *They have to have phone call recording records of all my calls I was work ing   XXXX   jobs and kept making extra paym ents.     The next screen shot I took was from   XX/XX/XXXX , which  again stated that my due dates  were 3-6 mo nths out beyond the statement.   Then  a  XX/XX/XXXX  sc reen shows that my monthly payment was being applied in ha  lf. One for the month due, and one half for the following month.
I called Navient    :  XX/XX/XXXX  I was  told that all my extra payments were being applied to " future '' payments. Therefore, not going to my principle, and therefore not reducing my interest!!! The Navient rep stated that I was to Call In, or Send in a Money Order or Check with a LETTER stating I wanted the extra payments to go toward my principle I was VERY stern with the rep and told her I wanted ALL previous extra payments to be applied correctly and to my Principle.       XX/XX/XXXX  I h ave been monitoring and taking screenshots since and the results : my monthly automatic payment was applied incorrectly again, half being pai  d in  XX/XX/XXXX , and half in  XX/XX/XXXX .
 XX/XX/XXXX  Monthly payment split again! ( screen shot attached )  XX/XX/XXXX  I got an email summarizing my payment due  XX/XX/XXXX  w  as  XXXX  but the monthly that is suppose to AUTOMATICALLY be applied each month is {$270.00 }  XX/XX/XXXX  Same err or with due date  s 3-9 months in advance.
I do n't know what else to do. I am so frustrated and I know this is Wrong. I put myself through college and worked  XXXX  jobs to make extra payments. I know this is wrong. I know Navient applie  d all my extra payments to " future '' in order to keep racking up my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: I have had a loan with Santander ( A PREDATORY AUTOMOBILE LENDER ) since XX/XX/XXXX. It is now currently XX/XX/XXXX. The amount initially financed is currently the amount owed plus. ( at least XXXX is still owed ) I have made close to 30 plus payments and all of my payments are going to interest. I have had extensions, i have a due date change, i have paid late, i have paid current, i have paid on time, i have paid before time, i even split the payment up in half and still had the payment in on time. Nothing i do is making the principle balance go down. I work for Sandtanders competitor and i see accounts on a daily basis that have a pay history that is worse than mine, more extensions, higher apr and per diem and their principle balances are going down with every payment. I have had to recent complaints with Santander and each time nothing is explained. the only thing they want to explain to me is simple interest finance, and i understand SIF i work with it, however they way this company has me in the loan i will pay off this loan 3 times in a half before its paid off, if i make two more payments i will had paid the vehicle off one time. This is a predatory loan, no one can give me an amortization schedule informing me if i pay on time this amount should go to principle and this amount she go to interest, no on can give me this information, again all they will explain is interest. Something is not right, its not fair, i am doing what i am supposed to do. my payment each month is round off XXXX, the last time i spoke to an agent she inform me that i would need to pay XXXX $ plus some more to bring me current, yet when i logged into the system i was current. I was informed that i have to pay my regular payment, plus i need to pay the interest that has accrued within the month that i was n't even due. I am being penalized daily for being on time, with the amount of interest that is accruing by the time my payment is due my car payment would need to be increased. I am tired of speaking to people that state they understand my concern yet will not do anything to see why these payments are not being allocated properly. When i drove off the lot, i had no idea how this loan would work, i thought if i made my payments on time, make extra payments, pay before time, the principle would decrease. Even with the extensions and due date that should have been moved to the end of the loan my payments should be decreasing. I need someone to look into this and see what the problem is. because i am not getting any results from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to National Credit System. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with National Credit System. This was an Apartment Lease from XXXX XXXX . and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by National Credit System. In this case the debt should be removed from my credit report and out of the office of National Credit System because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Medical) with Medical Business Bureau (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company said they sent me XXXX letter over 15 months ago with information about a debt. I do not have record of it. After repeated attempts to contact them, they were purposefully withholding information about the debt from me ( telling me to contact my insurance or the physician ). They would not send me any more information without my first sending them a written request, even though they verified my identity on the phone. 

After multiple phone calls with them and disputes, they never returned my phone call. They claimed to have contacted my physician to see whether the debt was still outstanding, but never followed up with the physician or myself. Every month, they keep reporting that the debt is unpaid, even though it was paid before they received the collection request. 

They have terrible communication tactics, bad policies that do not make it easy for a consumer to obtain information about a so-called debt, and do the bare minimum ( of contacting people XXXX time then never following up ) on trying to resolve a dispute. 

They did not let me speak to a manager or someone who had authority to give me any information about the debt. If I ca n't get this resolved, it will cost me tens of thousands of dollars because it 's adversely affecting my credit score and I 'm applying for a mortgage right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The XXXX Accounts should be blocked from my file as they were opened as a result of ID theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been put in continuous forbearance with huge amounts of interest applied for over a 10 year period and not told about  IBR  options until last year. I only make about  XXXX  a year and my balance has gone from about  XXXX  to  XXXX  now. I have made payments when I can but I struggle and I filed BK  XXXX  in  XXXX  in    2013  with an income of only about  XXXX  a month and was not allowed to put in on the bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CURO Intermediate Holdings (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, I visited XXXX XXXX, d/b/a Speedy Cash at XXXX XXXX XXXX XXXX, XXXX, AL XXXX to apply for a loan. After being given information about the entire application process, I was told that part of the application would consist of a " soft pull '' of credit information. I inquired about this again, with the staff, to be sure that when they stated " soft pull '' that it would be just that. I was under the impression that they would use XXXX or some other source that is common throughout the payday loan industry. I was ultimately denied for the loan, which is okay, because I was able to receive help with my financing needs elsewhere. Between the time of this complaint and my application being submitted with them, I reviewed my credit report and was made aware of a " hard pull '' on my XXXX credit report from XXXX XXXX dated for the same date that I applied in person at Speedy Cash. The employees at this location assured me on more than one occasion that it would not be a credit pull that would result in an inquiry on any of the 3 major credit reporting agencies. The staff, in my opinion, did not make the proper TILA disclosures that led me to apply for a loan, that if I was given accurate information, I would have gone straight to the loan company that I ultimately received my loan from. I knew that with this other loan company, a hard inquiry would be necessary and that my loan would be reported to the credit bureaus. I chose to apply with Speedy Cash due to their proximity to my work location and from having an acquaintanceship with one of their employees ( not the employee that assisted me with my application process ). I feel that I was coerced into applying for a loan that I would not have continued the application process if the staff at this location had followed the requirements of the Truth in Lending Act. Their deceitful presentation of their application process and what it all consists of, may lead more people to inadvertently apply for a loan with the understanding that an inquiry would not be placed on their credit report. I certainly would not have finished the application process if the staff did not lie about the fact that I would end up with a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Debt collection (Credit card debt) with EXPERT GLOBAL SOLUTIONS, INC. ().
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting phone calls from nco financial for months now starting in XXXX of 2016 I have answered some their phone calls and called them back telling them that I have resolved the situation with my bank and requested that they stop calling me, I am now making the minimum payments to my bank to pay off the debt, yet they still call me everyday from XXXX to XXXX, I spoke to one representative and they told me that I should " suit up '' i would like to stop getting phone calls multiple times a day, every day

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In  2011  I had a   XXXX   XXXX   at  XXXX   XXXX   XXXX  in  XXXX  GA which was paid for at 100 % by my insurance. I was called back for  XXXX  additional procedures. No explanation was given to me in reference to why I was called back. Then the physician during an   XXXX   asked if I had had any  XXXX   XXXX  I replied yes and that I had been asked that question on my first visit and had answered yes. She said " oh, then you are fine '' and immediately stopped the  XXXX . It became apparent that the tech did not write down the very pertinent information which would have saved me  XXXX  extra trips to the hospital and the subsequent bill. I received a bill for {$370.00} for her mistake. I wrote a letter and called repeatedly but was ignored. I never received a response. Then they filed the debt on my credit report.  XXXX   XXXX   XXXX  had no right to charge me for their mistake. I filed another dispute with   XXXX   and the response was " This creditor has verified to  OUR company that the balance is being reported correctly '' It adds insult to injury when the hospital staff screws up and then charges the consumer for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Submitted XXXX medical bills, XXXX of which are duplicates of each other. Attempting to collect interest without submitting source of interest charge. Called to point out these issues but was put on hold, then several minutes later directed to call back later.

Company response to consumer: Closed with explanation