milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a XXXX, XXXX years ago consolidated my loans through Navient in order to enroll in the civil service loan forgiveness program. I was instructed by navient to lower my monthly payment from the aprx. XXXX a month that I was paying, to the minimum payment. They stated that after XXXX years of consecutive payments I would be forgiven of my loans. They enrolled me in autopay and put me on a payment plan that they said was the payment plan required for the student loan forgiveness program. They informed me that I was now enrolled in the program and that as long as I did not miss a payment I would have my loans forgiven in XXXX years. 
In XXXX of 2016 I enrolled in a advanced certificate program for education, once enrolled Navient automatically put my loans in forbearance, I immediately called and asked them not to do so because I was in the loan forgiveness program and could not miss a payment, they canceled to forbearance and told to make my payment manually and that I would still be on track for forgiveness. 
In XXXX 2016 I called Navient to ask a question regarding the status of my loan forgiveness program and to ensure that everything was still on track. They informed me that I was never enrolled in the program and that my payments over the last 3 plus years could not be applied to the program! This was infuriating since a Navient advisor walked me through the process and claimed that they enrolled me in the proper payment plan for the program. I followed them step by step over the phone on how to enroll, they made the changes for me and assured me numerous times over the phone that I was now enrolled in the program and did not need to do anything else. The payment plan that they changed me to has cost me XXXX of dollars in interest that I would not have had if they had informed me of the correct payment plan. I trusted the advisor whom I spoke to and that person misinformed me of the process and enrolled me in the wrong plan costing me thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filled out a complaint on XX/XX/2016 about a collection notice I received from AFNI, XXXX On a debt from Century Link for {$82.00} and today I spent the next 3 hours on the phone with XXXX after the collection company told me that XXXX recalled the debt. Once again I was unable to verify the debt with XXXX XXXX in that amount. I spoke with XXXX different customer service reps from billing to credit and collections. NONE was able to tell me how or where this amount came from. Yet it 's been almost 2 years and this debt has been reported to all XXXX credit reporting agencies. I have tried and failed to verify this debt with the original creditor and collection agency. Neither has been very helpful other then they would be happy to clear this up after I paid them this amount. Again I would be happy to pay if I could verify the debt and when I was billed for it. Further more my XXXX XXXX account is paid via auto bill pay and once again I was told by XXXX XXXX that my account is current and show NO outstanding balance. They looked up my account using my name, account number, home phone number my wife 's name and finally my social security number all showing I do n't have any debt in said amount. So once again I got nowhere with this issue and I still have this debt being report on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (CA).
Issue: Struggling to pay mortgage

Complaint: There have been very many complaints, too numerous to list, but below is the most recent : I filed a Chapter XXXX bankruptcy, which included the mortgage company and it discharged on XX/XX/XXXX ( I have the subject property as my primary residence since XXXX ). My Chapter XXXX attorney was not aware the XXXX XXXX XXXX Bankruptcy Court oversees a " Loan Modification Pilot Program. '' I then filed a Chapter XXXX ( Pro Se ) on XX/XX/XXXX, in the XXXX XXXX Bankruptcy Court. My Chapter XXXX case transferred to XXXX XXXX XXXX Bankruptcy Court where the Pilot Program was ( and still is ) lodged. XXXX XXXX XXXX, XXXX ( XXXX ), is this Pilot Program 's manager. I enrolled and paid to part-take in the pilot program. XXXX has been great! I submitted my second loan modification to " Selene Finance, LP '' ( servicer for beneficiary : " XXXX XXXX, XXXX, Title Trustee for XXXX '' ) on XX/XX/XXXX ( the first one I submitted was in XX/XX/XXXX- Selene never acknowledged it ). XXXX XXXX said my XXXX XXXX package did not qualify because it was incomplete ( that 's not a reason to turn down a homeowner in CA ) in which XXXX can verify my loan package was complete. Then, again, for the 2nd time, I submitted a loan package through the XXXX Portal after the " Judge ordered '' the loan process to commence ; this time it was approved. A few days later then Selene said they made a mistake and it was turned down. 
Bottomline, I will be filing a Motion for various sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We hired a realtor to handle all aspects of this transaction and currently, have a contract pending to sell our home as a Short Sale. Closing date of XX/XX/XXXX. Shellpoint Mortgage Servicing sent our agent the 'Agreement to Release Collateral Interest ' stating that Shelllpoint obtained approval to release interest for the amount less than the total due on loan. The terms did not include a 'waiver of deficiency ' or statement waiving the right of the investors or Shelllpoint to collect that deficiency in the future. Because of the future liability, we contacted Shellpoint to request modification of this agreement. I was notified that by my agent that he was not able to get in touch with XXXX, the representative handling our file. I left various messages for XXXX with no callback. I spoke with several representatives ; XXXX a CSR stated ; " We would not be liable for the deficiency and that the verbiage is never written and customers always question the verbiage. She assured we were not liable and we were good to go ''. I asked this to be put In writing and I was transferred to XXXX voicemail. 
I also spoke with XXXX, XXXX, and XXXX. On XX/XX/XXXX I was transferred to XXXX in Loss Mitigation, who confirmed the Agreement to Release Collateral Interest to be incorrect and an error on their part. He stated a new Agreement to Release Collateral Interest would be drafted showing that the debt considered fully satisfied for less than the amount due and with no remaining deficiency balance owed. The last paragraph of the agreement, regarding any collection of the remaining balance due and owing, would also be removed. 
On XX/XX/XXXX I contacted Shellpoint to inquire on the status of the newly drafted agreement. I spoke with XXXX who confirmed the agreement was written and sent on XX/XX/2017. I requested that she fax it to my agents who in turn emailed the agreements to me. Surprisingly the agreements were not modified as discussed. In fact, the only thing that did change was the date. My agent contacted ShellPoint mortgage and spoke XXXX who informed him that the agreement was a legal document and could not be modified. Apparently, we are getting the run around from this company. Per the agreement, we have to close by XX/XX/XXXX. I am unable to get anything accomplished with this company. The agents I hired to handle this transaction, and I have been getting the runaround with no resolution. 
My wife attempted to call today XX/XX/2017. She spoke with XXXX who transferred her to Loss Mitigation, XXXX. Again he was unavailable but was working. Per XXXX, she directed my wife to contact the Manager XXXX who could be reached via the XXXX # ; my wife left a voicemail for XXXX, once again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (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: I just have a problem, with the XXXX XXXX report still showing a court report, there 's no longer a court issue because I been paying on it through XXXX XXXX XXXX, please remove that off my credit report, it makes my credit look bad, and I 'm really trying to improve my credit, I have been in good standing with paying my bills and will continue to do so, please remove that court mis information from my report, I have mobed on to doing better

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been repaying Students Loans to XXXX XXXX and now Navient for the past few years and have been a victim of the exact things they are now being sued by the federal government for. I was never given different options of repayments and they always encouraged me to take a forbearance during my times of financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Rewards

Complaint: -I have filed a claim already and American Express answered me with a generic, stock letter that did not address my situation and made it appear as if they had not even bothered to read my actual complaint. If I receive this lack of regard again I plan to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 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: Their investigation did not fix an error on your report

Complaint: I have called all   XXXX   credit bureaus (   XXXX  , Experian,  XXXX  ) a total of  XXXX  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,  XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX , XX/XX/XXXX   ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.

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 07/29/2015 about Payday loan () with Federal Cash Advance, LLC of Oklahoma (TX).
Issue: Charged bank acct wrong day or amt

Complaint: CashMax loan that was paid for.Now a company is threating me with jail time if I dont pay off the loan. That has been paid. Also says they are trying to collect on behalf of the bank. XXXX who I use to bank with. 

XXXX XXXX was the name he gave meXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Loan with 18 % APR for 72 months. Felt taken advantage of because of credit circumstances. According to loan agreement I was suppose to be given a chance for arbitration however was never given a chance. Loan was only 37 days pass due before they repossessed it despite the fact that their policy is to repossessed after 60 days past due. Car was suppose to be sold on XXXX yet credit report still reflects total about of loan due.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax continues to report a bankruptcy that is not mine - I did not file this bankruptcy, I did not hire an attorney to do so, I did not authorize anyone to file this in the bankruptcy court. I have complained against them previously with your organization as well as the attorney general for CA, the XXXX and the FTC. Someone filed this and it was not me. I also provided the proof to them that I was n't even IN THE COUNTRY from XX/XX/XXXX to XX/XX/XXXX, so how could i have possibly filed this??? I have the border stamps to prove this, which I did send to them. 

In addition, I was able to get XXXX to remove this because IT DOES N'T BELONG TO ME, so how are they keeping this on there, when I provided the proof that those are not my signatures on the bankruptcy paperwork? I provided everything that they need. I WILL take them to court if they do n't remove this, but I 'm giving them the chance to save themselves some money. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences in the signatures on the petition which do not belong to me. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. These prove that I was not in the country not only on said dates of filing, but out of the country that entire year. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy must be blocked and removed pursuant to section 605B of the FCRA. I did not initiate, agree to, sign for, file or have anything to do with this

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: I booked a vacation through XXXX. I had to cancel due to my sister in law being put on life support. I canceled the vacation package from XXXX and my hotel was refunded but not my flight. XXXX stated that I would receive a flight credit. I never received a credit for my flight from XXXX nor the third party airline - XXXX. When I finally got fed up and called both companies I was given the run around. XXXX decided to take away {$270.00} dollar of my flight credit leaving me with {$430.00} dollars. They also charged me {$700.00} for the flight despite me having a receipt showing that the cost of the flight was {$680.00}. I alerted Citi Cards of this matter and they charged me the {$700.00} despite my receipt transaction being {$680.00}. They then said that they could not do anything about my flight credit because I never received any communication, in writing from XXXX. Instead I had to call about my flight credit. This battle involving XXXX and XXXX exceeded my XXXX grade period I had to use the flight therefore all of my flight voucher was forfeited due to the slow process at Citi. Citi has left me, the consumer, with no support in this fraudulent charge for the flight nor any support in {$270.00} being taken away from my flight credit despite what penalties are posted on 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 10/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Trouble during payment process

Complaint: my mortgage company merged with a company called XXXX XXXX in XXXX of XXXX the first month of the merge my mortgage never was taken out of my bank. so on the XXXX th of the month to not incur late charges i called in and they said my payment was never recieved. so i then took the time to pay it over the phone on the XXXX. i do online banking checked my acct to see if payment came out on the XXXX, only to find out my original check was deposited for XXXX dollars stamped on the back was the date of XXXX. XXXX so they clearly had my check the full time and also took the payment over the phone and took XXXX out again totaling XXXX on the XXXX i was told the XXXX would be crediteded back to my account by a XXXX, i watched my acct till today the XXXX called in again and was told by a XXXX that it was not done and he could do it. he did not do it either so my next call requseted a XXXX her name is XXXX and she proceeeds to tell me she can not issue a refund, and that they would need me to contact my bank for a conference call to see if my funds cleared for all amounts. at this time i am extremly frustrated and i know for a fact that this should never have happened. i have heard of banking practices where they do not deposit your check until after the due date and i am pretty sure this is what XXXX XXXX is doing and it sickens me. i work very hard at keeping my credit in good standing and if i did not check my acct daily i would never have known my origianal check was not deposited until it was too late. i believe they have very shady practices. so now i am waiting for a refund because they took an extra XXXX. thank you for listening..

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with GUILD MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: Guild Mortgage used dishonest bait and switch tactics to acquire my business, have me pay for : -Home inspection -Boundary survey -Property Appraisal -Flood determination -Second survey for flood certificate ( Per loan investor request ) -Flood insurance ( Per loan investor request ) And once we 're far along in the process they make me change the loan product to something more expensive. 

Case Timeline : XX/XX/XXXX GUILD sent me a pre-qualification letter for a Jumbo XXXX ARM loan ( 4 % rate / 5 % down ) XXXX XXXX I found the house I want to buy and I make an offer. 

XX/XX/XXXX I sent to GUILD a copy of the executed sales contract. The closing date is set for XXXX XXXX. GUILD told we can close in that date. 

XX/XX/XXXX GUILD sent me a loan estimate to sign XXXX XXXX GUILD sent me a loan estimate with the rate locked ( 3.875 % rate / 5 % down ) XX/XX/XXXX ( closing day ) GUILD was nor ready to close and asked to reschedule the closing to XX/XX/XXXX XX/XX/XXXX GUILD sent me the closing disclosure XX/XX/XXXX ( after 45 days of the offer acceptance and 4 days before closing ) GUILD notified me that the " loan investor '' can not approve my loan and the main reason was : " Investor not using any rental income from current property since it shows up on only most recent year of tax returns and two year history could not be established ... no exceptions. '' This is unacceptable, I got a pre-qualifiation letter and after my loan was approved and reviewed by the lender 's underwriters I got a loan estimate and a closing disclosure document. It 's my understanding this is what underwriters do, they validate all the loan requirements and they should know what is the investors guidelines for each loan product. 

At this point GUILD offered me another product of course now this is more expensive. XXXX Mortgages XXXX with 4.5 % rate and another with 4.625 % rate. And now I have to put 10 % down. 
This extra 5 % was a big hit on my family savings and it 's causing financial struggles in home. 

At this point I do n't have another option to accept this new loan product. I was on risk of losing the house my family want. ( Seller have other offers ). 
If I went to another lender I would have to start over all the process. 

XX/XX/XXXX GUILD sent me the closing disclosures for the new loans. Closing date set for XX/XX/XXXX The effective closing date was XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.

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 06-01-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (GA).
Issue: Other

Complaint: Navy Federal Credit Union is Reporting an Authorized User File on my Account, both myself and the Original Owner have asked for me to be removed, XXXX is stating that the information is accurate, however, I am not the owner of this account, it is showing late payments and affecting my credit. Just as the other bureaus have removed this from my file, I expect XXXX to remove it as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation