milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I believe that Navient is working alongside XXXX XXXX XXXX and a sister company XXXX XXXX XXXX in posing as the U.S. Department of Education as they stated. It is my belief that these companies are conspiring together with Navient running an overall scam against the government. The two companies listed above state they work with Navient to provide a service that they are allowed to charge for though the product is bogus. I have let them know numerous times they are a scam in presenting themselves as someone they are not. I did further let them know I was aware of what they were doing and to cease all contact with me immediately in presenting a fake product. They proclaimed numerous times to be working with/for the U.S. Department of Education which is a governmental agency. They stated that they send us out paperwork and much needed documents that you ca n't get anywhere else regarding student loans in how they are working with Navient to help others. The same documents they are advertising for a fee can be found online at the government website free of charge to us. Due to me being aware they are selling governmental documents I told them once again they are running a scam and I want no part of it!

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: As a former member of Scottrade Bank, whose account was closed due to an ongoing dispute, I would like to obtain a copy of Scottrade Bank 's dispute resolution procedures for account that was linked to Scottrade Brokerage account XXXX. 

Furthermore, I would like Scottrade Bank to elaborate on the policies present to ensure arbitration is conducted fairly and appropriately. Does Scottrade Bank have a 'carve out ' provision for small claims court and are there any considerations given to potential claimants that may not be able to pay arbitration fees. For example, consumers in XXXX challenged arbitration provisions XXXX required customers to accept for its electronic disbursements services under its " clickwrap '' agreement on its website. The provisions defied the Protocol by limiting their remedies and subjecting them to high costs through arbitration. Although consumers mainly used XXXX for small transactions averaging {$55.00}, the arbitration clause precluded any class or consolidated relief, and did not allow customers to pursue claims in small claims court instead of arbitration. Furthermore, XXXX 's arbitration clause required consumers to arbitrate in XXXX 's home state of California and prescribed application of the XXXX rules for commercial instead of consumer arbitration, thereby requiring consumers to pay high travel costs and an equal share of fees in excess of {$5000.00}. These factors accumulated to lead a California court to strike the arbitration clause as allowing XXXX to " insulate itself '' from any meaningful challenges of its practices. Further, in the event of XXXX conflicting arbitration agreements, such as an agreement of Scottrade Bank and Scottrade XXXX, is there any precedence given to any of the agreement or provisions?

Company response to consumer: Closed
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (VA).
Issue: Shopping for a loan or lease

Complaint: I leased a Nissan Sentra for my daughter from XXXX XXXX in XXXX. My daughter lives XXXX The vehicle was registered in XXXX. Nissan Motor Acceptance Corporation paid XXXX State Tax on the vehicle and billed me for that Tax. I live in XXXX. I worked with XXXX and NMAC for several years attempting to resolve the issue. XXXX noted that the issue seems to have been resolved by NMAC. This was in XXXX of 2013. Recently I approached my bank to get a loan to buy out a lease. The loan was denied because NMAC put a note on my credit report advising that I did not pay for these taxes. I am not sure what to do at this point. I have contacted an attorney. He advised that I should file this complaint first, get a number so that we may proceed with legal action against NMAC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  credit report of mine shows that a company by the name of   CONVERGENT  XXXX , INC   .is stating i have  a collection account with them on behalf of   XXXX   XXXX   in the amount of {$280.00} and the account was opened on   XX/XX/XXXX . I h ave never authorized an account with  XXXX   XXXX  or had any type of service with them. they have deleted the account from my   XXXX   credit report on   XX/XX/XXXX  a nd from another company  XXXX ,  XXXX    XX/XX/XXXX .    XXXX    stated I need to contact them which I already have and I was told I have never had an account with  XXXX   XXXX . If this is the case then why are  XXXX  different companies coming after me then being deleted now back 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 06/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: my son was still at tending college and they wanted me to start paying back on the loan. I originally started with   XXXX   XXXX   and  it was sold to Navient. They raised my interest rate and when my son was still attending school they wanted me to start repayment. when I called and they said I could defer they never told me the interest was continuing and the rate was going up.   I feel I was mislead in the agreement of the loan. my interest rate was not 8 % when I w  as with   XXXX   XXXX  .
I feel I was mislead with the terms of thi
s loan as with the interest rate being raised. <P/><P/> s

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars in 2011 and one of XXXX and XXXX dollar in 2010 experian is reporting this and XXXX and I mailed them statements if proof of payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I several different account on my Trans Union Report and XXXX Reports that have incorrect information. I have been working for years to get this information updated and removed and have not had any success after filing discrepancy reports with them over the years. Then today I was denied a home loan because of bad information being reported in these reports. This is not only embarrassing but very stressful because this information is effecting me being able to purchase a home for my children and myself. I have served my military faithful and retired successfully and to continue to have to battle these agency is nothing no one should have to endure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Mortgage (Conventional home mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/XXXX I contacted XXXX XXXX of Huntington Bank for a mortgage preapproval. After paying of back taxes and presenting additional financial information XXXX stated he contacted the credit agencies to have the tax information removed from credit reports. He sent me a preapproval letter on or about XX/XX/XXXX. On or about XX/XX/XXXX I sent him a purchase agreement for a condo I wanted to purchase. I was waiting for XXXX to send me the loan application so I can begin to close process. I contacted him over and over most of the time with no response. I intended on using down payment assistance from OHFA because I had limited funds, so I asked XXXX if he had submitted the documentation to OHFA, he asked if I could get gift funds from some one because he did not want to deal with OHFA 's grueling paperwork. I told him I needed those funds and I did not hear from him for about a week. When he finally emailed me it was to tell me he could not do the loan. Then responded with counterclaims for his reasons why, which caused him to contact me by phone and state he made an error and would look over my documents again. I called back again asking me if I could get gift funds and I stated no. A couple of days later ( XX/XX/XXXX ) he sent me loan documents not including the down payment assistance funds and over {$6000.00} in closing cost. I sent him an email with questions which he never responded. I was due to close on XX/XX/XXXX and I had not received a response to my calls, texts or emails. Then after calling him about 9 times he answered and said " he was not able to get me approved for the same reasons as before. '' The reasons before were not valid. Now I have losed the opportunity to purchase my dream home and I am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I returned the product on XXXX XXXX, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XXXX XXXX to Bank of America to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from Bank of America ( BOA ). After I returned the product back and contacted with BOA, BOA said that they already sent the money to them and closed the case. Further, because my case is expired, BOA ca n't reopen my case again ; thus, I did n't get the money back until now. 
I contacted with the seller 's bank " XXXX '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. 
I hope it is not too late to get my money back before XXXX transfer the fund to the seller. Could you help me to solve the problem? 
Thank you so much.

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 03-09-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: CITI CARD DOES NOT CARE AT ALL THAT THEY SEND ME OVERSEAS AND WHEN IT COMES BACK THAT I CAN NOT HEAR AND MY ADA ADVOCATE ALSO TOLD THEM NO OVERSEAS. WHEN IT COMES BACK I CAN NOT HEAR THEM. IT IS SO BAD. FLORIDA OFFICE IS JUST AS BAD AS OVERSEAS ALSO. THIS HAS BEEN TOLD TO THEM SO MANY TIME. THEY DO NOT CARE. THERE IS NO BANK IN THE AREA TO GO TO AND I AM READY TO CLOSE MY ACCT DUE TO BEING FOUGHT WITH OVER AND OVER TO HEAR. 
I CAN NOT HEAR WORDS HE IS SAYING IN FLORIDA AND HE WOULD NOT TAKE IT SERIOUSLY EITHER, IT REALLY WAS THAT BAD AND THIS IS NO LONGER FUNNY OR A JOKE AND I AM SO TIRED OF CALLING BACK FOR HOURS JUST STRAINING FOR HELP AND GOING OVERSEAS AND TO FLORIDA WHO DO NOT CARE AT ALL. 

MY ADA ADVOCATE XXXX TOLD CITI CARD TO NEVER SEND MY ACCOUNT OVERSEAS OR TO FLORIDA AND STILL IT IS HAPPENING, I CAN NOT HEAR OR UNDERSTAND. GET IT OK.

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 11-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: In the process of refinancing. My partner had a bankruptcy and its not closed yet due to some property being sold. SLS stopped reporting our payments to the Credit bureaus. 
We are applying for a new VA loan. When the new mortgage company contacted them they said we were late with XXXX payments. We have our cancelled check ( attached ) that show we have made all payments and are not late. We have to have a clear report from them and they have made if very difficult to get items needed. Thank you for any help. I think my loan is conventional fixed. 

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH  XXXX  AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS

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 04/30/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: Applied for a Load modification and was approved by current lender in  XXXX  of last year after my mortgage amount increased by  XXXX  a month.I sent the  XXXX  payment in and apparently that payment was never applied because the modification was already approved so I was told that  XXXX  payment was sent into the first trial payment was told that my first official month would not start for trial period would not begin until  XXXX  so that put me a month ahead with t he 3 trial payment period so I made all 3 payments well within the time period given but as this is going on im still getting collection calls about my reg mortgage payment I ha d to explain each and every time that I was in Modification process and was making trial payments they had no idea what I was talking about the third and final trial payment was paid  XXXX  of   XXXX   here we are in  XXXX  and the process has still not been completed and every month since  XXXX  is showing missing payment on my credit report as well as my loan so my statement is reading that I owe  XXXX  in missed payments and late charges I have been calling every week trying to get this problem corrected all im told is to just keep making trial payments until everything is final so I have been doing just that but  Im looking online and I see my escrow account is in negative and I have a 10k d eliquent balance on my account I keep getting blown off put on hold transferred to people who cant help me then i was told an error was made on their end as someone entered the wrong percentage rate and that was the reason for the holdup I told them that  my credit score took a huge dive  because they were still showing delinquent payments since  XXXX  no help no return calls and no answer as to whats being done to fix this problem I even sent email to the escalations department no answer from them either pleas help!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I sold my home short sale on XX/XX/XXXX. Between XXXX and XX/XX/XXXX I received documents from GreenTree Servicing stating the loan had been paid in full, a satisfaction or release of mortgage, and the consumer note marked " PAID IN FULL ''. I am still, to this day, receiving phone calls from GrrenTree collectors trying to collect. I have even faxed these documents to GreenTree but still the calls continue

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I sent an email XXXX/XXXX/XXXX to my XXXX lien servicing company, Green Tree Mortgage Servicing, and have n't heard anything about assistance. My XXXX lien was refinanced with XXXX prior to XXXX purchasing them, then Green Tree Servicing received the MSR. XXXX is still the investor of record for the XXXX lien. I believe the appraisal value obtained by XXXX at the refi time was fraudulently elevated to allow the loan officer to approve my loan. Due to XXXX being one of the Hardest Hit states in the economic down turn my LTV is extremely upside down. I 've had to move to XXXX to obtain work after a layoff in XXXX XXXX. I was out of work at a full-time job for 1 year. I believe the Treasury has outlined modification programs for XXXX liens that would assist me. I 've taken a $ XXXX annual salary cut and have the home rented out for {$250.00} less a month than the mortgage payments. I 'm trying to be pro-active now that I 'm employed again. I have n't missed any payments on the XXXX or XXXX thankfully. At this rate, without assistance, I 'll have to let the home go. It seems like the mortgage companies do n't want to do anything to help a person unless they actually become delinquent and ruin their credit. The XXXX is reviewing documents to attempt assistance but they already posted a HARP to my loan in XX/XX/XXXX that lowered my payment. The XXXX lien is at 7 %. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The description of my credit activity is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing incorrect information on my XXXX & Trans Union credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. Both creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I initiated a dispute with Experian, XXXX, and XXXX XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over 7 years old ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX XXXX XXXX, XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All three credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for XXXX, however XXXX did not remove the old item either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XX/XX/XXXX and the funds for the vehicle were cashed in XX/XX/XXXX and the remaining balance was sent and cashed by the company on XX/XX/XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XX/XX/XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Auto debt) with Love, Beal & Nixon, P.C. (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I received a demand letter from Love, Beal and Nixon P.C. in  XXXX , regarding a auto loan with   XXXX   XXXX   XXXX  -I took out a auto loan with  XXXX  and was told by the dealership that it was a requirement from  XXXX  that I had to have an extend service contract. After finding out that this was wrong and a fraud loan, I sent back the car to  XXXX -and I was working with them while they were suppose to be investigating the dealership.
I sent them out a validation letter requesting : 1 ) since they are the law firm representing  XXXX , what was the results of the investigation.
2 ) Per the contract, I signed with  XXXX , I agreed that the contract will be governed by the laws of the state of Kansas-How were they able to sue or collect the debt under the laws of Oklahoma.
They did not answer these questions-they just sent me back my contract with  XXXX , and a letter stating what I owed.
Also, I was looking at my credit today, and found an inquiry from this law firm, requesting my credit-I did n't sign ANYTHING, that allows them to checking my credit.
At this point-I have tried to contact the law firm and I get nowhere-I would like them to send this account back to  XXXX , where I can deal with the balance owe directly and get the answers that are owed to me. And I want the Inquiry and any credit reporting removed from credit report.

Company response to consumer: Closed with explanation