milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The servicer of my private student loans is not applying my payments correctly causing my loans to default

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Re : Chex Systems consumer reporting of innacurate check account reconciliation.

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 01-11-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our family was part of a trial payment program to qualify for a loan modification with Freedom Mortgage the company. During the trial period until the final approval and modification of the loan we made all proper payments on time. We have been referred to the credit bureaus as late payments for the entire trial and approval process. This issue has damage my credit score to the lowest point. Freedom Mortgage did not inform me at any time that this entire process will be reported as being a late payor. I have called several times to get this disputed and I am always being told that it will be under review with no solution. Can your team help us clear this issue

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 08-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I was charged 13 months of interest payments in 2013 ( with XXXX interest charges applied XX/XX/2013 ). I recently found this issue when confirming the amount to pay off the mortgage. After discussions with at least XXXX people at Wells Fargo ( most of whom acknowledged the issue ), I was essentially told that it was 3 years ago and Wells Fargo was not going to do anything about it. My mortgage does not have a prepayment penalty so it 's not clear why prepaying the mortgage would result in an extra interest payment. Wells Fargo could also not explain why this issue occurred in XXXX, 2013 but none of the other months ( before or after XXXX 2013 ) when more than the minimum monthly payment was made. The extra month of interest that I was charged results in over a {$1100.00} increase to my current mortgage balance.

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 11-10-2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Last week I was flooded with letters from lawyers saying I am being sued. So I got on court online and saw that I am being sued by Cavalry Portfolio Services, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX XXXX. I immediately sent them a register letter but have not received a response. I research this company online just to find they have harassed and got judgments from unsuspecting people in the past. They have been sneaking around my house leaving cards, too. I live in the country and find this scary. I ca n't say how dangerous this can be for someone.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit information held by Equifax has been breached. My identity, and subsequently my credit, is now compromised. From Equifax : " On XX/XX/XXXX, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Prepaid card (ID prepaid card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Fraud or scam

Complaint: I opened this prepaid card with capitalone I put all the money on the card myself when I WANTED to increase my balance I would put money on the card and hit credit increase then they applied it as an increase and not a payment few months into having the card I ask if they do credit increases using their money they said we do n't give credit increases on prepaid cards I said ok. I put my own money on this card thinking that if I increase my own credit it would help my score so later about a year I wanted to close the account so I spent all my money on the card after they got their monthly fees then I got a statement saying I owe them XXXX dollars that they put on my card well I could n't believe this cause they never put any money on my card they made that clear at the beginning that they do n't do increases on prepaid so their contradicting their self I do not owe them a single red penny and I will not be ripped off because they know that I 'm trying to up my credit score so I guess they think they can rip me off cause they think I will pay so it does n't ruin my credit their wrong I will fight this to the end I do not owe them thank you please help with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I recently purchased a home with the intention of enjoying my retirement with my husband. Before I closed my husband passed away leaving me grieving for his loss and with half of my monthly income. I struggled to pay this mortgage for as long as I could before falling behind. The struggle has been difficult on me, I reached out to my bank in an effort to see if they would offer me any type of mortgage assistance. It was long before I found myself in foreclosure and denied for at least 3 modification requests. I finally decided to give up and sell my home- thats when I discovered that my mortgage is also upside down and had to request help with a short sale. I enlisted the help of a realtor and listed my home, I live in XXXX California and at times it takes homes a long time to sell. My bank reviewed XXXX offer on my home and countered the buyer XXXX on their offer- the buyer increased their offer XXXX but the bank denied it saying that I have a sale date approaching and that they would rather foreclose. All I want to do is avoid foreclosure and I feel like Caliber couldve of worked with us a little better and been less aggressive given my circumstances. the offer that was presented wouldve almost payed them in full and I couldve avoided having a foreclosure on my record that will follow me for at least 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Auto debt) with Second Round Limited Partnership (IN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I was contacted by XXXX XXXX at XXXX XXXX XXXX advising they were trying to collect on a debt of mine prior to it going to garnishment status. XXXX XXXX stated what the debt was for my green XXXX that had gone back to the bank, and this was for remainder of debt. She advised I could make a lump payment and set up payment arrangements my debt would not continue to garnishment status. She advised that I needed to pay {$540.00}, and payment arrangements for {$220.00} monthly to keep debt out of garnishment. I advised XXXX XXXX I was off on XXXX XXXX XXXX at the time but would try to see if I could get money together. XXXX XXXX called back following week to inquire about payment. OnXX/XX/XXXXI authorization a payment of {$540.00} against my debt on XXXX She advised she would call back next month to finalize payment arrangements, as I might have a better idea when I would be back to work. Approximately 2-3 weeks later I received paperwork to go to court concerning debt. I called lawyer on lawsuit who advised that they have not received any money against debt. I gave her information, and she advised that they do not use outside collection agencies, and it was likely fraudulent. I contacted XXXX XXXX who said " it has n't even been 30 days, I do n't know why that would happen ''. She advised it may have possibly been because payment arrangement was n't finalized. She asked for lawyers name/number and advised she would call back. Received no call back, so called company back. XXXX advised XXXX XXXX was not in, and she would leave message for XXXX XXXX. She also advised that sometimes these companies do not know who collects for them. I called XXXX XXXX XXXX XXXX several times, in which I was told message would be forwarded to XXXX XXXX supervisor. Called several more times with no answer. Finally reached an associate XXXX on XXXX/XXXX/XXXX he advised I needed to talk to the payment department and transferred me. I called daily from that point on with no answer. I contacted my bank and advised I needed a dispute form. During that time I moved, and dispute form was misplaced. Bank sent letter advising dispute was closed. I contacted bank and asked for new dispute form and changed address on record. Did not receive new dispute form. Contacted bank again who advised that I needed to come in to branch to file complaint. Contacted bank to check on status of dispute. Bank advised too much time had passed and could no longer pursue claim. Payment was listed as going to XXXX client services in XXXX, GA. The phone number for XXXX XXXX XXXX XXXX was XXXX XXXX XXXX XXXX which is now disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had originally had XXXX Federal student loans. XXXX was handled by Navient and the other was handled by XXXX. I received a flyer in the mail stating that I can consolidate my Federal student loans with a lower interest rate. I carefully read the flyer to make sure there were n't any secret information included in the small print. Once I determined that I could definitely consolidate my student loans, I moved forward with applying. I then found, after I was approved, that the new loan was being handled by Navient and it had changed from a Federal student loan to a Non-Federal Private student loan. I felt like I had been misguided and trapped into a new private loan. I did not have a job to start paying on my loans and had to pay {$50.00} to defer my payment. I was also informed that I would only be able to defer my payment 3 times for the lifetime of the loans, paying a {$50.00} fee each time I deferred. I asked if there were options for me to lower my payments, and was told I had exceeded all of my options and was no longer eligible for any type of repayment plan. 

I really felt as though I was being set up for failure. As my interest rate had doubled my loan amount, I am still unable to repay my loan. I feel that I was lied to and tricked into changing my loan type from Federal to Private without any indication that this would be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Billing disputes

Complaint: I obtained a Sears MasterCard on XXXX/XXXX/15 when I purchased a treadmill at Sears. The treadmill charge was interest free for XXXX year if paid in full in 1 year - it is called a promotional balance. My statement closing date was XXXX/XXXX/15 and my payment due date was XXXX/XXXX/15 the total balance owing was {$610.00}. On XXXX/XXXX/15 I made an online payment of {$620.00} paying the entire promotional balance in full. During the period XXXX/XXXX/15 thru XXXX/XXXX/15 ( my second statement closing date ) I charged XXXX auto repair charges which were reflected on my XXXX/XXXX/15 statement. When the credit card company received my XXXX/XXXX/15 payment they applied noting to the promotional balance of {$610.00}, which was also the total balance owing on that statement, but instead applied the {$620.00} to the charges that were made after the XXXX/XXXX/15 statement closing date. I requested that the entire {$620.00} be applied to the promotional balance, therefore, avoiding any interest being applied to that amount., but they have not agreed to do that. I feel this is a mis-application of my {$620.00} payment and I would like this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do n't know what this is.. I paid all debt off!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Servicer, Specialized Loan Servicing, Inc ( SLS ), has confirm the reception of documents various times to be reviewed for Loss Mitigation solutions. On most recent communication, Servicer confirmed the reception of Bank Statements but requested that they be resubmitted to so the Non-Borrowers contribution. Bank statement submitted on previous occasions were marked accordingly to identify ALL Contributions received for the household. Multiple email correspondences can be provided to show that ALL NECESSARY DOCUMENTS HAVE BEEN SUBMITTED ON VARIOUS OCCASIONS WITH FOLLOW UPS TO CONFIRM THEIR RECEPTION. 
Servicer, on multiple occasion has filed to comply with CFPB regulations - additional information will be uploaded describing the servicing process till the appeals and borrower 's action to file Bankruptcy to delay the foreclosure sale.

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 04/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have called on numerous occasions in regards to the information being placed back on my credit report. I explained to rep that I was not given the notice before placing these items that I do not have any knowledge of and were previously disputed back on my report. Between XX/XX/2017 and XX/XX/2017 items were removed from my credit report. I have spoke with numerous reps in regards to this matter.

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 05/13/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Late fee

Complaint: I paid my credit card on time, but found a late fee on my credit card statement. I called the credit card company to ask about the late fee and I was told since my payment came from the bank on Friday, it did n't clear in time over the weekend. The customer service rep was adamant that the late fee was not refundable and this was a blanket policy that did not just apply to me, but that was across the board for anyone in my situation. I am not sure I believe her, because I have seen instances on the internet where people have had their late fees refunded. The specifics : Citibank ( ATT Universal Card ). Payment made with electronic banking through XXXX Bank. The payment was scheduled to be made on XXXX/XXXX/16, electronically with a 2 day turnaround. The due date was XXXX/XXXX/16. The reference number from XXXX for the transaction was XXXX. The Citibank statement shows the payment being received on XXXX/XXXX/16. I am asking for my late fee to be refunded or a better explanation from Citi for why it can not be. I am also concerned that this electronic payment in fact gets hung up and can not be made anywhere close to immediately. XXXX says it was to be done in 2 days. Even taking account of the weekend, the payment should have been received by Monday XXXX/XXXX/16, which would have been timely. I have some skepticism toward Citi as to whether their system is weighted to drag out payments such as mine so that they can maximize the amount of late fees they receive.

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 05-02-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my XXXX credit reports to the correct dates. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.

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 09/16/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Making/receiving payments, sending money

Complaint: Logged into the synchrony bank for amazon and I get a message about credit card protection service. I click the box to skip this and it ignores me. hit the button to learn more and than it attempts to force you to sign up for the service. Just one more problem with a bank trying to steal money from an honest individual.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: In wake of the Equifax hack I froze my accounts with all three credit bureaus. The pin that Equifax provides is not even close to being secure. It contains the Day, Month, Year and time that the account was frozen which is easily guessable and not considered a Personal Identification Number. This company is not even trying to protect consumer data. Something needs to be done about it. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I attempted to reach out to XXXX XXXX XXXX to settle a debt that is in collection. The debt is originally from Synchrony and was charged off by Synchrony at {$3500.00}. XXXX is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to XXXX. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.

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