milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been attempting to overpay my Navient student loans for three months in order to get out of debt faster. I requested that Navient return my payment to the regular monthly minimum because they incorrectly auto-debited the wrong amount from my bank account for the three months I requested my payments to be higher. During this time, each month a different Navient representative told me that my request was n't processed because a ) the representative did n't do it or b ) it would show up on my next billing cycle. Nothing ever changed. When I requested to go back to the regular minimum payments, Navient staff told me that because I had been making over the minimum payment, my over-payments were now my new minimum and that I could n't go back to paying my original monthly payment. I requested they provide me documentation on this policy ; they could not and still have n't. Now, after speaking to several representatives at Navient, I was able to get a figure for my old monthly payment and paid it, but the old overage payment is now showing up as a missed / late payment. Navient refuses to do anything about it other than read off a script or tell me I have no options but to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with SYNCHRONY FINANCIAL (AR).
Issue: Credit line increase/decrease

Complaint: Opened XXXX XXXX Online card relatively 6 months ago to help improve credit rating. Was immediately approved with a {$600.00} credit limit. Always spent under {$250.00} and all payments made on time. Today without warning my credit line was reduced to {$230.00} with {$8.00} available to spend which increased my utilization percentage and card almost maxed out. I called XXXX Bank/Amazon to get an explanation and was told a letter would be mailed to my address and that it was a business decision after review of my account and credit report. My credit score dropped XXXX points today of which they are a part of that point lose. They have hurt my credit as opposed to helping it without warning or great explanation. I closed the account and was informed I still need to make on time payments and the card could not reopened once closed. This bank is doing more harm than good to helping consumers the reason I had opened the account. They have dropped my score instead of raised it. This matter needs to be addressed.

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 05/30/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Closing on a mortgage

Complaint: PLEASE NOTE ... NATIONSTAR NEVER ADDRESSED THE ISSUES AND THEY COMMITTED NUMEROUS CRIMINAL ACTS IN THE COVER UP ... WE HAVE HAD TO FILE SEVERAL DOZEN TIMES AND WE STILL GET THE CRIME AND COVERUP I filed complaints with the Florida Attorney General and the Consumer Finance Protection Bureau. The company provided evidence of the crimes and confirmed the incidents allhappened, and Nationstar wa s recently fined   XXXX     XXXX  by CFPB for some of the things I have identified.     Although the crimes aredocumented and appear malicious andintentional they have claimed all of the crimes were " inadvertent errors '' in the responses. According to the Real Estate Settlement Procedures Act, Inadvertent errors are OK IF THEY ARE CORRECTED within 30 days and all of the loan documents are signed again ... these never were corrected.     Money that was not their 's was also removed from the widow 's escrow account without approval or notification which is embezzlement and misappropriation of funds. Notification was required here also and never happened.They doubled her house payment blaming the massive " escrow shortage '' they just created.     If a loan isimproperly disclosed and not corrected and signed by consumer the company eats the loan and collects {$0.00} because they made an error on disclosure. It 's the la w. Nationstar knows this, and they used crime to hide it and countless illegal acts, including lying directly to the senior citizen IN WRITING abou t a foreclosure they were doing behind her back, while pretending to solve the problem and comply. Yes ... we have proven that this company will tell a consumer " we are not foreclosing '' while stealing the home ... in writing.     Nationstar has repeatedly acted like they were going to comply and that stalled me for 60 days at a time over and over. We are now at the civil suit portion of the game unfortunately because this company is very corrupt and extremely ruthless. They sell homes out from under people that did n't even know they were losing it, how much slimier can a company be???     I know I helped them ste al millions of d ollars in homes from victims with horror stories to tell but I wasnot fully aware of the crime until I had the paperwork from mom to match up to their stories.     This link is just a sampling of the complaints ... I feel terrible as a   XXXX   XXXX    that helped them steal homes. They recently were awarded the   XXXX   account so it puts thousands of Veterans at risk now that have no idea they were just vacu umed up by a criminal organization.       XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Dear God, please do something about Ditech. I had XXXX mortgages sold to them by XXXX and Greentree. Half the time, Ditech 's website does not work. For a long time I had to pay THEM a fee to make an online payment. More often than not the website does not work. I never chose to do business with Ditech and XXXX different lenders/servicers sold my loan to this nightmare organization and there is absolutely no accountability. Rude and incompetent when Ditech is contacted. What a nightmare. Does n't seem to have changed after horse-racing XXXX XXXX was driven from the company after criminal behavior of its leadership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Although I am behind on payments for my load, I have been trying to contact Navient/XXXX XXXX to make arrangements. My School that the loan is for is XXXX University in XXXX, NJ. Navient is calling my family members ( uncles, aunts, cousins, siblings, even non blood related ) relentlessly. My mother who is my co signer has XXXX and is on XXXX XXXX. She is also being harassed. I have tried contacting them and am told that my account rep is not in and I have to call back. I have also faxed over forms to try and get my payments reduced. The calls to my family members need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: This is my third attempt with Transunion for an item XXXX XXXX XXXX XXXX. The item was deleted on XX/XX/2017 and recently was reinserted in my report. I have reached out to them asking them to investigate this issue and they have failed. 

In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency None of the above steps were taken according to law. Transunion has violated FCRA laws and has continued to violate by not properly addressing and investigating this issue. I am asking a third time to please remove this item from my report due to the blatant disregard for consumer laws.

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 11-07-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Delinquent account

Complaint: I was unable to make a payment to my Amazon.com Rewards Visa account due to their website not functioning in XXXX 2013 and let Synchrony Bank know what happened, after I paid for my account, which was right after it was late and the website was functioning. I want them to correct my late payment with the credit bureaus. I have tried to contact them but they have do n't have an email, their website is down again, and they keep disconnecting me via telephone. Please ensure that the late payment is removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: The security breach of Equifax is unacceptable.
XXXX and other such companies make profits by requiring access to our personal information as a condition as our being able to engage in financial transactions, yet they do not take adequate steps to protect our information. Then when there is a breakdown in their security they try to place the cost on the consumer. All financial costs for these breaches should be put on the responsible parties - these companies.
All of these companies should allow citizens to securely lock their data without charges or fees for locking and unlocking / freezing and unfreezing their credit files.
Significant fines should be imposed when companies like Equifax fail to maintain security of information. There should be regular audits of these companies to make sure they are secure. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX and mortgage companies have submitted multiple credit inquiries on credit file with out consent

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I HAD THEFT TO MY ACCOUNT. THEY LOCKED MY ACCOUNT FOR OVER A MONTH, MADE ME GO THROUGH ALL KINDS OF LOOP HOLES TO GET MY MONEY AND HAVE THE PERSON ON CAMERA THAT DID FRAUDULENT ACTIVITY TO MY ACCOUNT. HOWEVER, AFTER NOT GETTING ALL OF MY MONEY THEY STILL CLOSED MY ACCOUNT AND ARE REPORTING AS I OWE MONEY. I GAVE NUMEROUS STATEMENTS AND WAS WILLING TO PROSECUTE. I EVEN FILED CHARGES WITH MY COUNTY POLICE DEPARTMENT.

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 01/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid XXXX XXXX six ( 6 ) payments on my XXXX XXXX credit card account. I called their telephone number on XX/XX/XXXX to get the balance. I was given a person with whom to speak but she said, " The system is down. I have limited access. '' I have no idea about what she is talking. 

I should be able upon calling to know precisely how much they received that I had paid! 

Nor would she send me a statement as I had requested. 

So I do not know how much I have remaining on my credit card account! 

But I should have been told by her precisely how much is remaining! 

XXXX XXXX is inefficient and slow in handling my payments and unable to tell me my current balance! 

XXXX XXXX handles the XXXX Rewards card and is big enough to provide the information that I repeatedly requested to no avail today!

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 01-02-2017 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to a mail sorting issue i received a letter from Gold Key Credit Inc. Much later then i was suppose to. I called them om XX/XX/XXXX to get more information. I then faxed over my insurance information that will cover the bill. A few weeks later a received another call demanding immediate payment or they will place this on my credit report. I advised them that i have insurance and i faxed all the documents. I was told that they were missing information. I then called back later that day and provided them with the missing info. The rep indicated that since its will be in pending status it will not be on my credit report unless my claim is denied. I also asked for them to provide proof that i owe this money. A few weeks later i saw this on my credit report. I called and asked why and to have this removed since i was cooperating and I asked for proof again. I was denied the right to speak to a supervisor and was told that one will get back to me in 24-48. The rep i spoke to was new and stated that he cant give me all the information. After 48 hours i did not receive a call. I called them again and made the same request. I also happened to get the same rep as last time. I advised him that i want to dispute and i want to speak to his supervisor. He told me that he will call me back in 24 hrs. I argued that he failed to do that last time but he still would not put me on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Billing disputes

Complaint: I failed to pay an annual renewal fee on my credit card. The creditor then charged me a late fee of {$27.00} and reported me 30 days late to the credit bureaus, harming my credit score. I think they should have simply closed the account when I failed to pay the renewal fee. My failure to pay should be deemed a failure to renew.

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 12-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Balance transfer

Complaint: I requested a balance transfer with XXXX XXXX Barclays credit card to pay off my XXXX XXXX card on XXXX XXXX. After I requested the balance transfer I have called XXXX XXXX multiple times between XXXX XXXX to XXXX XXXX to check the status because XXXX XXXX says it 's posted but the XXXX account does not show the balance transfer. I even repeatedly ask XXXX XXXX to investigate the issue but the representative keeps saying if the account number I entered was correct, the payment will go through and post on my XXXX account. On XXXX XXXX, XXXX XXXX 's representative told me that they are going to investigate, but a later conversation with a XXXX XXXX supervisor reveals that there was no investigation. On XXXX XXXX, XXXX XXXX finally agreed to investigate but provided no update to me until I called again today. Today on the first call the XXXX XXXX representative says the issue was still under investigation. On my three-way call with XXXX and XXXX XXXX later today, the account number was verified to be correct but XXXX says XXXX XXXX used a wrong delivery method. XXXX XXXX keeps denying that they made false representations and refuse to refund me the interest I was charged because of their mistake. XXXX XXXX offered to do the balance transfer again at the same term as a resolution, but does not guarantee that they will use the correct method to delivery payment, which means it is not a resolution at all. I am very disappointed because XXXX XXXX 's repeated misrepresentations ( all of the conversation were recorded on XXXX XXXX 's side ) has caused me to pay extra interests on my balances on my XXXX account that I could have avoided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Account opening, closing, or management

Complaint: I had an unauthorized inquiry into my credit from PayPal Credit. I have since called PayPal Credit to remove the account. It was opened based on a former address. 
XXXX/XXXX/2015 Date of Inquiry : XXXX/XXXX/2015 Business Name : XXXX Address : XXXX XXXX XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was making regular monthly payments to one of XXXX XXXX collection agents. Then Navient took over, stopped the payment and I began receiving numerous threatening phone calls. I filed a complaint with the Better Business Bureau, a Navient advocate responded & said they would respond to me personally, which they did after a very long time. This man phoned me, but whenever I tried to get back to him, he never picked up and he did n't return my voicemail messages. The BBB case was closed, unsettled but put on file. After this, I began receiving threatening calls from the same nasty female Navient rep.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Well for two years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I divorced in XXXX. A home was settled in divorce through XXXX XXXX XXXX as my ex-husbands. He did not pay the debt. XXXX mortgage was XXXX, XXXX was Capital One. House was sold in Sheriff 's sale. In XXXX, I received a call from XXXX XXXX to " settle '' the debt which was previously Capital One 's, the XXXX mortgage. I " settled '' with XXXX XXXX for {$28000.00} on XXXX/XXXX/XXXX. Capital One has NEVER acknowledged that the debt was settled. It is my understanding based on my personal research, that it may have went to XXXX from Capital One then XXXX XXXX bought it from XXXX Capital One has continued to say I owe them the full amount yet they can not seem to provide any records or trail of what happened to the debt. I hired an attorney as Capital One decided to start putting it on my credit report in XXXX I think and would n't work with me towards resolution. 3 days after my attorney contacted Capital One, they sent a letter to me saying the account would be shown as " closed '' now. I thought this meant it was resolved yet now Capital One has sent me a XXXX for the full amount of {$44000.00}. I ca n't file my taxes now until this is resolved and they will NOT return my attorney 's call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Adjusters has been repeatedly contacting my husband asking for XXXX XXXX ( not his name ) on a debt that is not his, nor is it mine. This debt was previously with another collection agency and it was proven to not be mine and was removed from my credit report. It was sold to National Credit Adjusters in an attempt to collect money that I do not owe.

Company response to consumer: Closed with explanation