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: Trouble with how payments are handled

Complaint: Just reading about a suit brought against Navient and XXXX with respect to borrowers rights. I have had, and still do have, loans with Navient. In an effort to speed up my loan repayment and minimize the interest earned against my loans, I had set up biweekly automatic payments through my personal bank ( similar to what most people do with their mortgages ). For example, if my student loan bill for a month was {$100.00}, I would make two payments of {$50.00} prior to the due date of that month 's bill. This repayment method, however, created significant issues with Navient and caused me to incur several months of late payment fees which I would have to fight in order to have them removed. Not to mention, I was not able reduce my debt burden by reducing the principle to which interest would be accrued against. The issue lies in the fact that while I would only see a monthly bill for {$100.00} ( using my prior example ), Navient would actually view it as multiple " bills '', depending on how many loans I had with them. So my {$100.00} bill may be viewed to them as XXXX loans with monthly payment balances of {$40.00}, {$30.00}, {$20.00}, and {$10.00}. So if I made an initial payment of {$50.00} towards my monthly bill of {$100.00} to Navient, they would apply the {$50.00} first to any outstanding penalties. Next, they would take the remaining and apply it towards the interest due for the month. Finally, whatever may have been left over would go against the loan with the highest principle remaining. Sticking with my example, and assuming no penalties, my initial {$50.00} payment may cover the interest due ( say the interest was {$35.00} ). The remaining {$15.00} would go towards the loan with the highest remaining principle. My second {$50.00} payment would also go towards the loan with the highest remaining principle. Although I have fulfilled the amount due on my monthly bill, Navient views the other XXXX loans as not having been paid for the month because the monthly principle payment for those loans was never satisfied in my two payments of {$50.00}. The next months bill would reflect a late payment penalty as well as a balance due for the previous month. This went on for several months until I had to finally give in and resort back to a single monthly payment. I could n't afford the risk of having to call every month to fight for my payments to be distributed correctly in order to have any late fees and penalties removed. 

I can provide documentation of bills that received the full monthly balance due but still incurred penalties due to Navient 's mishandling of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received the attached letter, acknowledging it would be the last contact I will be receiving. However, they are still calling me at least once sometimes twice per day on both my mobile and my home phone as recently as today XX/XX/2017.The letter attached specifically states " you will no longer be contacted regarding this debt, as such, this will be the last communication you receive from this office ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 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: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX has not been reporting my accounts to at least 2 bureaus and i have continuously disputed this issue with the credit bureaus and the company. I have had this account since XXXX 2015 and have never been late etc. XXXX XXXX has n't repoted my account in over 4mnths. They claim the are but the report agencies say they dont see the account. This is a company that is actually hurting my credit by not reporting it. Its been a headache dealing with this.

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 11/19/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: We made arrangements to pay the account current and I was told by the agent XXXX that we were not late in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX and because we had filed a grievance before with the CFPB they have retaliated against me and not only said we owed for XX/XX/XXXX but also show late for XX/XX/XXXX on my credit as well and wont remove it. They keep saying its not late and it doesnt show late in their computer but on my credit report it does.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: The company is reporting an inaccurately low credit score for how I am keeping my accounts and will not adjust it. I am getting penalized for using my credit, while others are rewarded for spending money with high vehicle and mortgage payments. This inaccurately low score is affecting my financial and other reputation unfairly.

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 12-09-2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problems when you are unable to pay

Complaint: I initiated voluntary repossession on XXXX vehicle loans with USAA. On Friday, XXXX XXXX I received my first notice that the sales had been conducted. The notices included the balance of the loans not paid by the sales. The notices ( XXXX notice for each vehicle ) told me to contact USAA by XXXX XXXX and XXXX to setup payment plans. I called on XXXX XXXX to do this. Again on XXXX XXXX, XXXX, XXXX and XXXX. However, USAA had already referred my account to collections! I 'm being contacted by phone and mail by their collection company, XXXX XXXX as of Friday, XXXX XXXX! 
I have made every effort to cooperate with USAA throughout the voluntary repossession process and just want to set up my payment plans. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After submitting the request information at XXXX, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NH).
Issue: Trouble during payment process

Complaint: My loan was financed by XXXX XXXX XXXX XXXX and the company registered a deed with the XXXX XXXX registry. When XXXX sold the loan ( if they did XXXX, to XXXX XXXX XXXX, XXXX never registered the deed for transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AL).
Issue: Payoff process

Complaint: I opened a " charge card '' with XXXX XXXX. The deal is you pay an annual fee, but there is no interest on the account at all because you are required to pay it in full every month. I love this because I do not want to support the credit card industry since it is so vicious and gets people in debt. I myself have never had any debts problems before, but in general do n't like the idea of debt or other people having debt. I thought this " charge card '' was a novel idea and the middle ground between a debit card and credit card. Well after having the " charge card '' for a little over 2 months they add a " Pay it Later '' option which is effectively making it a credit card. Why does this company ruin a good thing? A charge card should be a charge card and a credit card a credit card. I feel deceived that the account I opened and was happy to be forced to pay in full is now encouraged me to Pay It Later and is just another credit card. Completely twisting what the charge card is.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America Sent a package of documents about FHA Loan : 1. Original FHA-Insured BoA Loan # : XXXX ( XXXX ) 2. Address : XXXX, Maryland XXXX 3. This loan was a 15-year fixed issued on XX/XX/XXXX ( XX/XX/XXXX ) 4. BoA affected a FHA-HAMP modification and altered the term to 32-years 5. BoA has not explained how a 15-year fixed is now a 32-year fixed loan which has been sold to XXXX as of XXXX XX/XX/XXXX. 
Please require BoA to explain and fix the error so that we do not have to resort to litigation. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Requested a copy of my report from Innovis on XXXX XXXX and was told I would receive a report in a few business days ( see copy of email below ). As of XXXX XXXX XXXX I have not received a copy of report nor explanation of delay. 


Dear [ Name withheld ] Thank you for ordering your Innovis Credit Report. You can expect to receive your credit report in the mail within the next few business days. 

Below are the summary of your rights under the law. 
Federal FCRA Summary of Rights : https : //www.innovis.com/pdfs/fcrasummaryofrights.pdf Sincerely, Innovis XXXX Assistance

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citi offered a promotion that awards XXXX Thankyou points when you open a checking account using offer code XXXX before XXXX/XXXX/2015, and make XXXX bill pay within 60 days after your account opened. So I applied that citi gold checking account on line with the offer code XX/XX/2015, and did XXXX bill pays within 60 days. Also I checked several times with Citi representatives, and they confirmed that I am qualified for that offer and will give me the XXXX Thank you points within 90 days. But now 90 days past, and they rejected to honor the XXXX thankyou points.

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 07/28/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (SC).
Issue: Managing the loan or lease

Complaint: I purchase a refrigerator from Conn 's appliances.3 days after delivery My ice maker was not working. I called Conn 's and they sent a repairman out from XXXX about 3 weeks later. The man took the ice machine apart and said he could not find anything wrong and does not know why it wont work. He did say that the blades did not fit. 
I called Conn 's the next day and they said there was nothing they could do. I told then to contact the manufactured which was XXXX and they told me they would get back to me. I had not heard from them for aproximatly 2 weeks and I called them. 
They told me that they were not going to pay XXXX to come out but they will send someone out from the same company. The same gentleman came 2 weeks later nad walked in my home and said : Ma'am, I dont know what they want me to do.! He called his boss from XXXX and the boss called XXXX. XXXX said they could send someone out but at MY cost since Conn 's would not. He said or..They could just replace the unit and be done with it. 
Conn 's refused to replace the unit or fix it. Still to this day, when I call them all they want is money and they said they will not repair or replace the almost {$3000.00} refrigerator. 
I paid XXXX {$640.00} to fix the unit. Conn 's will not credit me the the repair fee. Please help me resolve this issue as Conn 's is reporting negative on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I received a phone call from US Bank, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXXI received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called US Bank on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that US Bank reported my mortgage account as delinquent 90-119 days past due. I then placed a call to US Bank and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to US Bank regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that US Bank has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Auto debt) with Professional Bureau of Collections of Maryland, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I researched the information, an this debt was back in 2011 .It exceeded the State of Texas statute of limitations Debt collection ACT. 4 years past due. They put it on the credit report to make it look like it just happen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX paid part of a bill for a medical XXXX fee in XXXX 2012 and failed to automatically pass the remainder on to my supplemental insurance company. I can get little information from XXXX about what happened to the remained as they do n't seem to know and can not get any information. The original lab fee bill to XXXX was in the amount of {$590.00} of which XXXX paid an unknown amount but failed to automatically send the remaining amount of {$200.00} to XXXX XXXX XXXX which has my supplemental insurance. I can get no information from XXXX about my account # so I can get no information there. I need to know how I can get XXXX to send this {$200.00} on to XXXX XXXX XXXX as I have been getting Collection Agency bills for XXXX years. Can you help me. We can not afford to pay this bill which we do not owe. We pay more than {$5000.00} a year for this supplemental insurance. Somebody has messed up on this bill, whether it is XXXX or their vendors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My grievance is that Pennsylvania Higher Education Assistance Agency will not count my current or past payments as qualifying payments towards the PSLF. Before I upload documents to their service department I am funneled into choosing a category/reason for uploading so that an automatic robotic response is given based on the category chosen. I used this means to upload proof of payment history and supporting documents and receive an automatic response based on the category rather than a personal response from someone who read through my documents. On XX/XX/XXXX my student loans were transferred from XXXX to Pennsylvania Higher Education Assistance Agency XX/XX/XXXX : I called the Dept. of Education number from studentloans.gov and spoke to representative. Here are to key points to that conversation : 1. I was told to get onto an income based payment plan in order to make qualifying payments for the PSLF 2. I was told that as long as I was on one of these payment plans my payments could be backdated as qualifying payments once my employer was certified as a qualifying non-profit agency.
3. I was placed on the REPAYE payment plan during our conversation. I remained with XXXX as my loan servicer at this time until my employer was verified as qualifying. I made monthly payments and was able to submit my employer as qualifying. Upon verification of my employer, my loan was transferred to Pennsylvania Higher Education Assistance Agency and have spoken with them and emailed proof and payment history showing them that A. I have been on a qualified payment plan since XX/XX/XXXX and B. I have been making monthly payments faithfully under that plan that should have " qualified ''. C. They are aware that i qualify because they recalculated my payments two months ago and my past two payments STILL do n't qualify according to their robots.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX, XXXX a XXXX XXXX account was opened in my name and it was not me. In opening this account their was a debt for over {$3000.00} that is on my credit and went into collection and it was not me thayvwent a started service with XXXX to have owed them any money. The account was open XXXX, XXXX and closed on XXXX. It was open for less then 1 year and it was not myself that had opened the account to begin with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I paid {$5.00} [ XXXX card ] to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went into T-U website via XXXX for my FREE annual report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE rerport. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentioinally SCHEMED by T-U. I demand my FREE report accessible on-line ASAP.

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 04/20/2016 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Received a loan I didn't apply for

Complaint: Case number : XXXX This information in regards to this case number ; i have disputed the information and obtained new information about the company with desist and refrain orders out of California.

Company response to consumer: Closed
Consumer complaint received 12/16/2017 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09/23/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was transfer to Green Tree Servicing LLC in 2013. I have applied for a modification and also to do a short sale with Green Tree. Green Tree has denied me both options. I have asked Green Tree To validate the debt and they refuse. Green Tree has foreclosed on my house when their statements clearly says that they are a debt collecting agency. A debt collection can not foreclose on a property that is not theirs! BEFORE Green Tree foreclosed on me, I sent them a payment for {$80000.00} ( via USPS via Register Mail ) and they returned it back to me and proceeded with the foreclosure! I am ready to sue and take legal action! How can I get involved with the class suit against Green Tree?

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