milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is my second time around going back to school after ten some years. I had applied for the Fafsa and was approved and Navient is now my lender. I just recently checked my credit score and to come to find out because of all the open accounts my score drop almost 100. I was floored  when I saw my score so I called Navient as soon as possible and just told me that is how they do it now. Before they would get paid out in one sum. Because of this my score will drop lower than XXXX after I graduate from the school. I do not think it is fair for anyone to take advantage of people. Because we work so hard to try and fix our lives with trying to go back to school and try to earn more. My options were very little and I am not too sure how to fix this issue. I hope I can talk to someone who can guide me the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have been a Best Buy Credit Card Account member since XXXX XXXX 2007.  During that time I was unknowingly and unwillingly signed up for a Debt Protection Program that has charged me XXXX dollars a month that I thought was going to my principal. This morning, I received notice that I had to pay {$420.00} just to get my credit card back to its limit, even though I have n't made a purchase using my credit card in almost two years. I was unaware of this because I have made monthly payments on time through recurring payments, yet my account balance has grown. I got to the bottom of it and realized that all the money that should have been going to the principal was going to this program that has provided me no service. I found out, through calling that service that Citibank works with, that I have paid a total of {$1600.00} in fees to this Debt Protection Company. This is not counting all of the extra interest it as cost me to Citibank and Best Buy. The resulting total is thousands more. I have been a loyal customer to Best Buy for over 10 years and feel like, not only I was taken advantage of, but literally was stolen from. I submitted a claim for a refund but was told that I would need 30 days to hear from them and nothing was guaranteed and at that time my only option if I was n't happy with the out come was to write a letter to the following address : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. So I realized it was the BBB and I contacted them. They told me to file a complaint, but I could n't because it was " a business with a complaint for collections purposes with another business. '' I then called Best Buy Citibank Headquarters and they told me there was nothing more than I could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, LoanDepot sent me notice that my taxes were increasing {$110.00} per year but my monthly payment would increase {$70.00} per month. I 've made several attempts to correct the matter via email and phone. Today, I called and the was placed on-hold to speak to a supervisor but no one has picked up the phone for over 45 minutes. I feel like LoanDepot is intentionally giving me the run around to discourage me from having the matter corrected as a similar tactic was used used previously when they asked that I allow them to analyze the matter and then they would call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I explicitly stated that I did not have a job and I was encouraged to fill out for IBR. What the rep told me was that since I had no income or employment then I wouldnt have to pay anything. However, what they did not mention is I would be responsible for interest accumulated. In addition, studentgov sent the IBR form to other loan companies so those companies took my submission as permission to change those accounts. For example, if I was already placed in a forbearance or deferment status with another company, upon receiving my application, they would remove me from that status and place me on the IBR plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: APR or interest rate

Complaint: In my XXXX communication with Kohl 's I had requested a lower APR and their response was i could n't get one based on their terms. Their terms do allow for a lower rate. In my XXXX communication I tried to confirm their ability to offer a lower rate and was told I did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, Equifax, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, CXXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any  information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My sons loans are coming due with Navient starting XX/XX/XXXX. His payments are going up dramatically and they give no warning about the amount. I 've called several times and complained about it but they wo n't do anything about it. So come next month without any warning his payment is going up to about {$500.00} a month which he ca n't afford. I think it is wrong to not give you ample time to plan for this. XXXX sent us a letter 6 to 8 months ago telling us what the payment would be. Navient does not want to help you in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 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: Public record information inaccurate

Complaint: Transunion  XXXX   XXXX  are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX /  XXXX   regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or about XX/XX/2018, XXXX XXXX XXXX  placed a fraudulent account on my credit reports with XXXX, XXXX and Equifax. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. Equifax and XXXX have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, XXXX   and Equifax are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Delinquent account

Complaint: after have capital one credit became a hassle charge a late fee before i got my first bill charged me extra to pay over the phone and they would not set up a atutomatic payment once a month and up my rate XXXX percent so in frustration i stopped pay know they are trying to sue me

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with ERC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX 2017, I mailed XXXX XXXX in XXXX FL for debt validation, but instead company never sent information regarding debt that was requested in validation letter but I get a notification from XXXX that they refreshed debt saying the debt was opened in XXXX 2017 which is false.I disputed this collection all of 2017 but no response from the company.It was deleted by the major credit bureaus before but company re added debt but changed the opened date on the account to reage debt which is illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: I applied for a short sale back in   XXXX   XXXX     with  Wells Fargo Home  Mortgage. I was told that the turn around time wa s 1 week for docs to be reviewed. It has taken them 3 to 4 weeks to review documentatio n, each time requesting something else. I explained that I was trying to keep the payments up on this house and needed to close as soon as possible. My point of contact with  Wells ne ver reached out to me. I spoke to him  two times  and it was due to me initiating the call. I have spoken to managers and been given different answers concerning the short sale approval. I was told that the loan needed to go to HUD for approval due to the appraisal coming in low as compared to what is owed on the loan. However the initial appraisal was obtained in the end of   XXXX   the beginning of   XXXX   so why would it take until  XXXX  for the loan to go to HUD for a variance. I was just told today that the loan went back to HUD for another variance. I have been in communication with the  executive o ffice and was told I should have an answer no later than this week. So far no one seems to know, understand or care about what the dela y ( s ) a re or have been. Since I am used up my tax refund to keep up with the mortgage, I am now late. From   XXXX   until now I was on time. It seems like they want me to loose my home. I spoke with   XXXX   XXXX   today and it appears as though the previous note s may have b een removed as he does not seem to have evidence that the loan went to HUD in  XXXX  for a variance. However, I have a ticket number for the original variance with HUD and that number is  XXXX  evidencing HUD approved the Variance. Please assist in researching the matter as I do not want to loose my home.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: I previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on XXXX and TransUnion. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Advertising and marketing

Complaint: I was on a princess cruise in our room was a credit card brochure advertising 12 months interest free credit for onboard purchase and future cruise deposit. We applied onboard with cruise specialist who talked us into a future cruise deposit took our deposit and application. When we got home we started getting interest charges from the Barclay card who said the promotion was no longer valid when we opened the account even although it was sold to us under the understanding that the brochure was valid. XXXX says they will inform their staff that it is no longer valid. Barclaycard says too bad. Talk to XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen 5 years ago, and since then has been used to open up a number of wireless accounts, credit accounts, and bank accounts. I have worked extensively with other bureaus to clean up my reports but XXXX  will not remove these items. 

They have been given the FTC identity theft report, and the police report but these items have remained on my report incorrectly for month. I have filed repeated with success. The remaining unauthorized revolving/collection accounts are : XXXX XXXX XXXX XXXX XXXX ( A  previously removed account was sold to them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Who already sent a letter confirming fraud ) XXXX XXXX ( another account for some reason ) The following unauthorized inquiries were also included : XXXX XXXX XXXX XXXX ( I have never had an account ) XXXX XXXX  ( Never had an account ) XXXX ( I have never had an account ) XXXX XXXX XXXX ( Never had an account or heard of them ) XXXX ( Never had an account ) XXXX  ( Never had an account ) XXXX ( this account was confirmed fraud by them ) XXXX ( this account was confirmed fraud by them )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid off my Navient student loans in XXXX XXXX, but automatic payments were deducted from my bank account in XXXX and XXXX. I called them, mailed my bank statements, and turned off the automatic payment option with my Navient account. However, in XXXX the same payment was withdrawn! I do n't know how they still had access to my bank account. Navient says those payments must be going towards a private loan, but they acknowledge that there are no other loans associated with my SSN and they actually have no records of the withdrawals on their end. Further research on my end shows that these payments ( ending in -FDR ) have been taken since XXXX XXXX and have not apparently been applied towards my student loans.I 'm at a loss of what to do! Thousands of dollars are gone that I thought were going to my student loans but apparently were just disappearing into thin air. Navient is researching it, as is my bank 's fraud department. Obviously I need that money refunded, or proof of an additional, legitimate loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I successfully completed a 12 month payment plan with XXXX without fail. At the end of the 12 month period, a balance was left of {$470.00}. That was paid this past week in full bringing my account to a XXXX balance. However, XXXX reported my account as a charge off of {$470.00}. This is not accurate but that is how XXXX reported it. I filed a dispute with Experien and they filed a dispute the and said it changed but it did n't. It says PAID. Write Off {$470.00}. Again, it should state PAID IN FULL AS AGREED with an GREEN OK sign and that should also be reflected in my credit and fico score. It was not written off. EVERY PENNY was paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was purchased by green tree from XXXX services. They mailed my first statement on XXXX XXXX with a due date of XXXX XXXX. No problem, but when I tried to pay the bill they denied me access to auto pay which is the only pay method online that does not have a {$12.00} service fee. I called and they said to download the form and fax it. The site blocks me from downloading the form. I want to pay my bill without getting a XXXX XXXX credit card or incurring a fee everytime I pay my mortgage. Paying by mail is not a secure way to pay your mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I submitted a complaint for Commonwealth Financial Systems as they reported to all three credit bureaus # XXXX for the amount of {$1200.00}. The case was closed and the reports were removed just to reappear on XX/XX/2017 for a different amount {$590.00}, I just git remarks removed from XXXX as Im going the mortgage loan process now Commonwealth Financial Systems has placed those same negative remarks back on my credit report. I do not know how Commonwealth Financial Systems obtained my information. These fraudulent debts are not mine.

Company response to consumer: Closed with explanation