milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello. I pay my mortgage monthly every month prior to the due date. I split each monthly payment into ( 2 ) partial payments using online bill pay, because of the way that I am paid. Nationstar misapplied my payments ( 3 ) months in a row. Each month and each time I called Nationstar before it was 30 days delinquent. Each time/month they said they corrected my payment and each time that they would set up a " tier '' system so that my payment would get applied correctly. Each month, I had to call multiple times, as my payment would not get corrected again and again. Each time they said my credit score would not be affected. To make a long story short, I monitor my credit and noticed it dropped over XXXX points from the last time I viewed my score. Nationstar reported my payment as 30 days late in XXXX 2015 and I have proof through my online banking that it was paid EARLY!! Please help get this inaccurate and false information removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other fee

Complaint: XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loans are currently being serviced by fedloan servicing ( Pennsylvania ). My account number is XXXX I submitted the required documentation for renewal and change of IBR plan in XX/XX/XXXX.  This paperwork has not been processed.
<P/> In XX/XX/XXXXI called to inquire, they said the error was that I did n't select to make a XXXX dollar payment and they changed it. I was then billed for the entire amount.
<P/>
In XX/XX/XXXX I  called, the individual I talked to this time seemed knowledgeable and I thought It would finally be taken care of. However, I was recently notified that I was 27 days late of the entire standard repayment plan. They again stated they were processing the application for IBR.
<P/>
I am a military member, and every payment that is delayed is one that does not count towards my PSLF. They have indicated they can do nothing to make up this time. Interest has accrued and I have lost payments so I have to pay longer.
<P/>
Also, they refuse to honor my SCRA request. I have submitted orders that indicate a date later than my loan date -- but they have an XXXX XXXX date that is prior to my loan date. Thus, they claim I am ineligible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On Experian it 's listed as " XXXX XXXX XXXX XXXX XXXX '' and on XXXX and Experian it 's listed as " CT XXXX XXXX XXXX XXXX ''. I am attaching a few documents. One is my payment history with this account. My responsibility to this account is {$180.00} a month. I have not missed one payment, yet my current credit report lists this account as missing 7-9 payments. Also the CURRENT PAYMENT STATUS is  still listing at 120-149 days late which is not true. Payment breakdown below with sheets attached : XX/XX/XXXX {$2800.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX XX/XX/XXXX {$540.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$190.00} to XXXX XXXX XXXX Please update this to ACCURATELY reflect that I am current on this and not past due. As you can plainly see from the payment sheet attached I have not missed any payments ( at least none that I know of ) in the past 13 months. I have not received any bills or notices from this creditor in the past year. Not one! You 'd think if I had n't paid this in 14 months and was past due Id get a letter or notice asking for payment. This false information and outright misrepresentation of this account is costing me XXXX points on my FICO.

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 11-09-2017 about Debt collection (Private student loan debt) with Lazega & Johanson LLC (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Sold my debt ( in their words transferred ) to third party company. Did not contact me to notify me of change. When contacted to find out why I was not able to pay my bill online, XXXX XXXX was extremely rude, unprofessional and disrespectful upon me inquiring about the companies failure to communicate details of my account being transferred. He insisted on informing me that it was the new companies responsibility to contact me in reference to the change. Upon calling back to speak with XXXX XXXX, the receptionist XXXX was just as hostile and rude as XXXX and even refused to give me the address of the company and information related to my account. Ive dealt with this company for over a year and its been the a constant aggressive disrespectful culture across their company with zero ethics. My original account representative XXXX XXXX XXXX displayed the same unprofessional tactics as the individuals listed above. I reported her to management in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX/XXXX/XXXX I owed exactly {$1800.00} On XXXX/XXXX/XXXX the transaction has still not gone through and now I owe : {$1800.00} This happens every time I try to pay off a loan. We are setup to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: After completion of investigation ( File Number XXXX ), TransUnion failed to provide the Notice required by 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ). However, as a consumer, I requested that TransUnion, in accordance with 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ), provide a description of the procedure used to determine the accuracy and completeness of the information of the investigation. TransUnion failed to provide the complete requested description, in that, TransUnion failed to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher. See attachment TransUnion_complaint.PDF ( TransUnion Resolution Summary XXXX/XXXX/XXXX, my letter XXXX XXXX, XXXX, TransUnion reply XXXX/XXXX/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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I applied for loan forgiveness under the XXXX option. I provided documents showing that I became XXXX in XXXX and had a review in XXXX. Accordingly to the description for applying, under XXXX-one has to be XXXX at least 5 years, which I provided documentation proving. I was repeatedly told " this information is not sufficient ''. I was asked to get a specific printout, from social security. I did that and was told " this information is not sufficient ''. I provided everything that was required, I am a XXXX individual and was denied discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Citibank has been incorrectly reporting a charge-off on my credit report to credit bureaus, which I have been disputing for the past 6 years to no avail. They report that the credit limit was {$14000.00} but the charge-off amount was {$18000.00}. On XX/XX/XXXX, Citibank sent an IRS XXXX Cancellation of Debt, which contradicts their false reporting : 1. On the XXXX, Citibank shows a balance of {$14000.00}, which contradicts the {$18000.00} they report. 
2. On the XXXX, Citibank falsely claims the " date of identifiable event '' is XX/XX/XXXX. 
3. On the Credit Report, Citibank falsely claims the " date of major delinquency reported '' is XX/XX/XXXX. 
4. On the Credit Report, Citibank falsely claims the account was 60,90,120 days in XXXX. 

The scheduled payment amount, balance, amount past due, charge off amount, date of first major delinquency, history are all false. Further, Citibank refuses to report months when account was paid on time. Citibank refuses to report accurately in an attempt to re-age account.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: There was a glitch in the system. These inquires were added back to my 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 06/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX 2016 my ATM/Debit card was Lost or Stolen. I called Bank of America to report the card missing. The agent said the card would be blocked and a new card sent 7-10 days. I asked if I could obtain a temporary card to use from the local branch on XXXX, AZ XXXX. She said that temp cards were available. The next day on XXXX XXXX I visited the local branch to take out some cash and get a temp card. The agent that was assisting me said my missing card was not previously blocked. We blocked the card and I obtained a temp card. The next day my bank statement showed a {$5.00} fee billed to my account. It 's listed as " Replacement ATM or Debit Card Fee {$5.00} ''. I was never told during the times I spoke to Bank of America agents that I would have a fee. Charging a fee discourages me in the future from blocking a stolen card to try an avoid this fee. This is not fair and I believe violates my rights as a consumer to protect my funds, which I had just gotten paid. So the potential loss to me was great. For Bank of America it was an opportunity to make a profit. I did locate on their website this statement : Replacement ATM or Debit Card Fee {$5.00} per card Fee for each requested replacement of an ATM or debit card, including the replacement of debit sticker ( tag ) or other debit access device. The replacement fee does not apply when we replace a card upon its expiration. Bank of America Advantage ( R ) with Tiered Interest Checking Accounts, Bank of America Interest Checking ( R ) Accounts, Platinum Privileges ( R ) and Preferred Rewards customers qualify for a waiver of this fee. 
This nuisance fee takes advantage of people, like myself to protect my money from fraudsters and thieves. Please investigate this issue. Just because they have it listed in the fine print does n't mean it 's valid. Thank you.

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 02-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has never in 6 and half years identified to me who verifies the information that XXXX XXXX is reporting. The statement from Equifax is the information has been verified and it is belongs to you. Who is verifying this? Surely it is not XXXX XXXX, I have court documents proving this account is no longer valid. Additionally, Equifax states no additional information has been received and closes the dispute. This is unbelievable, I know it is disgusting and deplorable but is n't this a failure by the Consumer Finance Protection Agency to stop this type problem for consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hi, There is always an issue with Equifax. Equifax has changed my " complete '' credit profile and lowered score over " XXXX '' points! My score dropped from " XXXX '' to an " XXXX ''. Equifax has added XXXX negative accounts, XXXX collections, changed the length of my credit history, placed an inquire on my profile that has been removed. 

Please see the attachments ( credit reports ) from Equifax website. The XXXX dated XXXX/XXXX/2016 is how my profile should look and I 'm sure the score has increased because I paid down some cards. Now, I have many alerts on Equifax credit monitoring system stating my score has drop from " Good '' to " Fair ''. My score has dropped over " XXXX points '' because of this error. They continue to cause this issues with me because I reported them to you all before. Please see the report from Equifax website date XXXX/XXXX/2016, which display Equifax placed all negative information on my profile, which should not be there. All this information was reinserted. 

I have also, attached a screen shot from my other credit monitoring system, which states Equifax has a " New Address '' for me and my address has not changed ... 

Please compare the XXXX and see how they clearly changes my profile. Please have Equifax to correct this information ASAP as it 's stopping me from obtaining credit and employment! I should not have to wait 30 days fro their mistake and I believe this was done on purpose. A month before that after report them for some odd reason my score dropped XXXX points and noting bad or increase cards or anything changed on my credit for it drop XXXX points ... 

Please have Equifax correct this error ASAP. I 'm in the process of buying a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Trouble during payment process

Complaint: I looked online and received a payoff quote for my home. I then sent the check in on XX/XX/XXXXwith a date marked for payoff onXX/XX/XXXX giving time for a few days of transit. I waited untilXX/XX/XXXX before trying to contact them to ask why my house had not shown a payment or a drawdown from my account. I also tried to contact them through online connection. I received no notice until i finally called the company and was told my payment was sent to the wrong location, though i sent it to the location on the bill, the one I normally send payments too. I was told I sent it to the wrong address and nothing could be done. At no point during any interaction, including during looking up my payoff quote was i told to send this payment to a different location than any other payment that i ha ever made. Now I owe more money as interest has accrued daily and im being told i have to cancel the check and then rewrite one and send it out again. I have to pay the difference in interest that accrues during the time period. This has also caused me to miss a payment and i was told they would have never let me know about the check being sent to the wrong location nor would they do anything with the check. In this whole process, i was treated as if i was in the wrong because i did not know to send a payoff check to a different location than the place i normally send checks. I do not see how they can not accept the funds I sent in at a normal pace of payment and is my opinion that even if it was not processed a complaint payoff the company should have processed my payment against what i owed and then contacted me about what needed to be done to complete the process. The check in question was for XXXX XXXX When speaking with XXXX XXXX at Chase on the phone i was repeatedly told it was my fault and i sent to the wrong address despite telling her there was no other address listed online or my statement. I have copies of the statement as well as the online payoff quote to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I left XXXX back in the end of XX/XX/XXXX of Last Year and informed them to close my Account. At the time of closing, I paid {$400.00} to end my contract with XXXX. XXXX took my information and never updated it to the new address. Thus, they -supposedly- sent out a final bill in mail format- though I have opted for all information to be electronic ( for obvious reasons ) - and with my mail forwarded NEVER received a bill. Fast forward to XX/XX/XXXX, it shows up on my Credit Report as closed in XX/XX/XXXX with an amount of approximately {$280.00}. I go into a store and they said they 'll notify the actual correct people to fix it. It never was fixed. Also, at this time, I filed a dispute with the appropriate credit reporting agencies. In XX/XX/XXXX, apparently, it was re-posted to my Credit Report- with a higher amount of over {$1000.00}. Again, I go to a XXXX store whom claimed I had to call their collections. I called the collections whom refused to have the debt removed claiming- I never paid the original amount. Also, on the same call, the collections agent is stating to me conflicting information- and stated I need to produce a Bank Statement for a bank account I closed for two amounts equating less than the amount they posted to my credit report- by about {$400.00}. Now, I 'm writing a written complaint to every agency explaining the situation. They never sent me a bill so I could internally dispute the information reasonably- before posting it to the various agencies. It is no longer reasonable in that I closed a bank account about a year ago to ask a bank to produce an electronic statement- for a date I can not remember- when I have hundreds of transactions a month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I applied for my free credit report on XX/XX/2016 but never received it from Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Well I never lived in XXXX florida I 've live at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XX/XX/XXXX and before that I owned XXXX XXXX XXXX XXXX from XX/XX/XXXX to year XX/XX/XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and I continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
XXXX 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 01/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have had a reoccurring issue with Navient. Started about a year ago when I suddenly started receiving a bill. I called to check on the bill and was told the bill did not need to be paid because my co-signer was filing for bankruptcy. When asked why I had not received notification of what was going on, I was told by law they did n't have to reveal anything. This all happened while the loan was building interest. I started to pay my bill and got the inflated bill caught up. Around XXXX 2015, no bill came. This continued for about 3 months. I finally was able to log into my account and found out my bill was 3 months past due. I called Navient on XXXX XXXX, 2015 to discuss the issue. They validated my mailing address and phone number. When asked why bills stops, they stated the bills were always coming and the issue was with the Postal service. When further asked why I had not received phone calls regarding late billing, the response was that the phone number was not validated. My current address has not changed in almost 5 years and current phone number has not changed in over XXXX. I spoke with a regular employee and manager. I was badged by the manager who stated, " you know when the bill comes, just pay it. '' When continuously stating that I have not received anything regarding a bill by phone nor mail, the issue was never with the company. I asked if there was a way to correct the issue and get the late fees and penalties removed and was told no. Since this conversation, I have checked with the Postal service. Their statement was, " why would delivery every piece of mail except XXXX? '' The employee is willing to write me a formal letter stating that they have delivered all mail. Also since my conversation with Navient, I now am receiving my bill that had quit coming for 3 months.

Company response to consumer: Closed with explanation