milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: - I Got a copy of my Experian, XXXX and XXXX Credit Reports on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX being reported in all XXXX credit bureau. 

- I Sent Experian, XXXX and XXXX a Dispute Letter and r

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 01/30/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/2017 XXXX XXXX XXXX ( XXXX ) contacted me about my parent/ child student loan, at the time my balance was XXXX, which was thru XXXX XXXX. I was paying them on time each month never had a problem with them. XXXX told me they could refinance my loan, my overall payments would be 3 years at XXXX per month for a total of XXXX and the rest would be forgiven. In XXXX. I received paper work from XXXX, who informed me that they had taken over my loan, and they said my first payment was due in two weeks. and my payments would start at XXXX and rise to XXXX. I was so hurt. I cant believe people are taking advantage of the public like this. Something needs to be done. Help us.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have several student loans with SallieMae currently totaling over {$1100.00}. When paired up with my federal loans I am paying over {$1300.00} out of my roughly {$2000.00} in monthly earnings. Long story short, after factoring in living expenses I am spending more than I make and have been compensating by using some money from savings to help with my loan payments over the past several months. This is money that I reserve for special circumstances ( medical, auto ) and even if I 'm lucky enough to not have an emergency need, the fact that I 'm constantly taking out more than I 'm putting in means at this rate I will go into default on my loans at some point. Knowing this I attempted to call SallieMae today to inquire about an interest rate reduction program that I 've heard they offer to clients who are having financial troubles. I was frustrated to find out that they only offer this plan to clients who have already gone into default on their payments ( which to my understanding would not be good for my credit score either ). So basically I need to keep doing what I 'm doing and until the money runs out and SallieMae actually helps. It is extremely upsetting that I can tell them ahead of time and prove with my finances that I 'm headed for trouble yet they wo n't throw me a lifeline until I 'm actually drowning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Capital One Auto Finance is reporting false information to my credit report and is attempting to collect a debt which is not owed. Capital One Auto Finance is claiming that I owe {$250.00} for a vehicle which I paid for in full. I have disputed this account and requested Capital One Auto Finance send me full payment history of this account to prove that this account is accurate and complete. Capital One Auto Finance refuses to comply with the FDCPA. I do not owe {$250.00} and this account has been paid in full yet Capital One will not update the file. Capital One 's negligence is harming my credit worthiness and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (PA).
Issue: Settlement process and costs

Complaint: We were discharged from chapter XXXX. Our home is underwater and wife being out of work since XXXX 2015. We ask Our second lender ( Carrington ) to settle the debt so we can retain the property. They only offered help with a short sale. In a short sale they wo n't get nothing. We never reaffirmed the loan. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: Macy 's did not inform me that my interest rate increased to 18.99 % the end of XXXX 2015.

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 01/13/2017 about Debt collection (Credit card) with ERC (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The information about this debt is not accurate. Please remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-03-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: I had an account with Suntrust for over XXXX years. Both Business and Personal. Today without notice they closed all my accounts. I never received a call. Now on my wife 's direct deposit is going in and we can not get to that either. We XXXX opened this account XXXX. Now On my business account I was working with a client who gave me a bad payment and no Suntrust did not lose any money. But I can not get to my money either and I have a good standing for over XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX College XXXX. I was told by a school counselor " everyone used XXXX XXXX to pay for school ''. Well now I 'm {$530000.00} in debt to what is now Navient. I do n't have a degree, because after I realized how much money I was borrowing I attempted to pay for school by working XXXX jobs. This did n't even make a dent. I became overwhelmed and left school XXXX credit hours in. So now I have no degree and {$960.00} in loan payments every month XXXX both private and federal ). My co-signer ( my mom ) is taking one of my loans over, which is {$200.00} a month, leaving me with the remaining {$760.00}. For how much I make, that total leaves me with no wiggle room. I have n't been able to have a savings account for years. I live paycheck to paycheck and I 'm still falling behind. My interest rate with Navient is 9.75 % so any money I 'm giving them is n't even lowering my total. For awhile I was on this great plan with them and they lowered my payment to {$250.00} and they lowered my interest rate to 2 %. I made every single payment and felt like I was getting back on track. They made it sound like if I made my payments on time for 18 months straight I would have a lower monthly payment after the program. Well that did n't happen. I 've tried speaking to customer service several times and now it 's to the point where I have too much anxiety to even call them. I dread the phone calls every day. I 've tried to give them as much as I can each month, but it 's never enough. I 've now fallen behind on my federal loans and I feel like I 'm out of options. I would gladly pay my loans if the amount every month was a littler more reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: issue-1 Our loan was sold to Green Tree/Ditech in XXXX 2015. In the transfer, somehow, the monthly amount that we were to pay was reduced to an number that did n't replenish our escrow account. Ditech never notified us, and just recently sent us an " account evaluation '' showing that we are in the negative with our escrow, and raised our monthly payment by almost {$500.00} to start immediately. I contacted them on XXXX XXXX, filled out the online form to cancel our escrow account, and followed up with a letter, sent to the address their rep gave me. I got an email saying that they would review this and get back to me within 10 days. It 's been a month and no word. Our payment would be late on XX/XX/XXXX, so I emailed them in advance and let them know that I 've cancelled our escrow account, and would only be paying the principle and interest, then made that payment on time. Now, they took that money and put it into a " suspended account '', and charged me a late fee, as if I did n't pay at all. 

Issue 2- When we were first sold to Ditech , we only had the option to " XXXX '' or auto withdrawal every month. I choose auto withdrawal. Four months later, I get a notice of default, because somehow, they deducted less than the full amount of our payment, never notified me, charged a late fee, reported it to the credit bureau. I contacted my bank, and they have no idea why that would have happened. I paid the full amount due, and appealed to Ditech to waive the late fee and not report it to credit. They promised a written response within 30 days.75 days later, they denied XXXX requests. Meanwhile, I have paid the late fee XXXX times, and it is STILL showing on my statements. I believe that they have been taking that fee and applying it to the escrow shortage, but, again, never informing me. 

So, now I have a total of {$7000.00} and change due on XX/XX/XXXX. They have failed to cancel the escrow and are still charging for that plus XXXX late fees. I fully expect them to put me into default again soon.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Debt collection (Payday loan debt) with Critical Resolution Mediation LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Received call from XXXX - said he was XXXX calling from Critical Resolution Center and I should call immediately or else. Asked me to call XXXX. I referred to my attorney - when she called they hung up on her. Gave me a reference # of XXXX. Never stated who they were representing. Think it is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Current loan servicing company will not honor my previous MHAMP agreement due to payments not being received in the required time frame by MHAMP guidelines. Payment were not able to be paid by required time frame because loan had been transferred XXXX times since XX/XX/XXXX, thus causing issues in making payments to the current servicing company by required deadlines. Will provide documentation as to issue, dates, etc. when needed. Account was first being service by XXXX XXXX and was transferred to XXXX XXXX XXXX on XXXX. I received notification from Nation Star of transfer the end of XXXX 2014. I contacted the new servicing company and they did not have my loan details yet. On XXXX I spoke with a supervisor is their department regarding the letter I received which showed all my loan information was incorrect. He advised me to wait another week and check back again. During the interim, he sent request to delete late charges as I was within my first XXXX days of transfer to a new servicing company. He also stated that I could pay my account on line when I get paid on XX/XX/XXXX. After confirming deposit for self employed funds were received and posted to my bank account I logged into their system to make a payment. I am attaching the email I received as proof that I logged in to create my account and make payment. However, my account was still incorrect and showing that I was XXXX delinquent and their system would not allow for me to make a XXXX month payment as previously directed. I contacted XXXX XXXX XXXX XXXX directly on XX/XX/XXXX and explained this issue. I made payment by telephone which cleared my bank account on XX/XX/XXXX. This issue caused me to become over XXXX days delinquent on making payments and thus made me ineligible for the deferred principle write off that was to be completed XX/XX/XXXX. I filed request with XXXX XXXX in regards to this issue and never received a resolution prior to my account being transferred yet again to another servicing company effective XX/XX/XXXX. The servicing company was Bayview Loan Servicing which is the current loan serving company. I again filed request and was denied. I filed an appeal and was since denied again due to not meeting the required payment guidelines. I am attaching proof of this final request with both of their denials stating this information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint on SELECT PORTFOLIO, I just received their response, it is dated XXXX XXXX, 2016. I am responding to their answer. What they are stating is not true. They never offered me any of the things they are stating they offered me. 
I had a lawyer trying to get a modification from them and they refused to give it to me. They stole the Equity on my home. 
I worked hard to buy my home and worked to make my payments all of the years that I had been paying on my mortgage. To think that something like this could happen is unreal. From the moment XXXX had my mortgage it has been a downhill spiral. Then XXXX got it and during the transfer of the mortgage every time payments went unreported trying to say I had a late payment which was not true. When I send proof and dispute it they sell my mortgage. Select Portfolio did worst. They filed foreclosure illegally. I just filed CHAPTER XXXX XXXX BANKRUPTCY TO KEEP MY HOME. I DO N'T WANT TO LOOSE MY HOME OVER THIS ILLEGAL SCHEME. THE PAPERWORK THAT SELECT PORTFOLIO SENT ME AS AN ANSWER TO MY COMPLAINT IS ALL LIES. THEY NEVER TRIED TO HELP ME. SOME OF THE PAPERS HAVE DIFFERENT INFORMATION AND ADDITIONAL INFO. 
FROM WHAT I SIGNED. Papers were robo signed as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Recently I went through some financial short comings when I lost my job in XX/XX/XXXX. 
During this very trying time I was current on all my mortgage payments, the balance of the mortgage ended up paid in full on XX/XX/XXXX. After making repeated attempts to clear the derogatory reports that US BANK Mortgage had made to XXXX, XXXX XXXX and XXXX.US BANK MORTGAGE is still reporting false information to this date interferring with my ability to obtain a job, credit and a fair interest rate.

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 07/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX College has closed down and I been trying to Dispute and give loan forgiveness, but they wo n't give it to me. I was re enter into school due to have to do my taxes and in the most of me picking out my classes and they start closing down and I was n't able to finish my classes. No warnings or letters or nothing just closed and got stuck with the loan and that 's ridiculous. I need relief and it needs to be forgiven by Navient Department.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have continuously tried to dispute this collection off my credit report because it is reporting negatively and hurting my personal life as far as being able to get approved for lines of credit and purchasing a home.  XXXX   XXXX   XXXX   XXXX  has yet to validate that I owe them a debt. In the paper they sent me it has a computer generated signature and not a original signature. It has not been validated and once before deleted off my report and as of  XXXX   XXXX  2017  it reappeared.

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 04/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report indicates that I 've " also been known as '' a name that I have never used. I 'm not sure how this happened or how to remedy it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Freeze was placed on my business account without any reason or notification from Capital One Bank. They claim that last check that I deposited, which is the same Payee name for a past 3,5 years, is under investigation. No explanations why, just hold placed without any notice, which causing me a lot of problems and extra fees from returned transactions. Bank representative stated that I will be contacted once investigator will open case, when she is not sure. I asked who will be paying late fees and returned transaction and did not received reasonable answer from Capital One Representative. This is not the first time that this bank does this to me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My business debit cards were stolen from my mail box, my bank had sent my debit cards with ( factory pins ) to my business address, I had no knowledge of this until the day the transactions happened. ( I had no knowledge of this because i still did n't have access to my mailbox, i was waiting for the landlord to give me the key for the mailbox ). I contacted my bank as soon as possible and reported the incident but i was asked to wait until the transactions posted. I had also requested that all the cards linked to my account to be cancelled immediately but the representative failed to do one of them so more transaction posted the next day.

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 monetary relief
Consumer complaint received 07/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFP : Here 's my situation : I had XXXX home phone and internet service XX/XX/XXXX-XX/XX/XXXX ( XXXX, PA XXXX ) and as internet was non-functional, I cancelled my plan and account. After this cancellation, I spoke to various XXXX departments explaining the non-working Internet situation ( while on phone, XXXX was successful in locating tech service calls to my apartment and inability to get Internet working properly ) and was told my account would be credited for the remaining balance of {$140.00}. 

Unfortunately, the XXXX staff responsible for making this happen, failed and my credit report is again being UNLAWFULLY hit by a debt collection company named " Debt Recovery Solution '' ( pdf attached ). 

Here 's the interesting part of this : - I 've called XXXX wanting to follow up with my account status and ask to have what was promised to me years ago, finally done. 
- XXXX ca n't access my account because it 's been sold to a debt collection agency ( Debt Recovery Solution ) - I 've called " Debt Recovery Solution '' and they tell me they ca n't access my account and refers me back to XXXX. ( Although they 'll gladly take the {$140.00}. ) - I call XXXX, again, explain the situation, and they, again, refer me to the debt collection agency because my account is " not in their system ''. 
- I 've also disputed this on my credit report earlier this year, and " Debt Recovery Solution '' mysteriously disappeared from my credit report. 
- XX/XX/XXXX : My credit reports are hit, again, now with both XXXX and Debt Recovery Solution and charge mysteriously reappears. 

Neither company can help clear this up and as services were n't provided, and as XXXX promised to credit my account XX/XX/XXXX for the {$140.00}, my credit is suffering from both companies inability ( and unwillingness ) to correct. 

So I 'm hoping CFP can not only mediate and have corrected but will also prevent either company from touching my credit reports for this item. 

My former XXXX account home address : XXXX XXXX XXXX XXXX XXXX XXXX, PA 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