milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am currently paying a Parent Loan to Navient. The original consolidated loan was {$44000.00} and I started repayment on XX/XX/XXXX. In XXXX of this year I will have paid {$41000.00} ( 120 months ). I originally started with XXXX with a standard loan. Then I had a second servicer. I remember at that point that my last payment would be made sometime in XXXX. Navient is now my new servicer and when I went to look at the terms of the loan on their website, It shows that my last payment is in XXXX. If I pay XXXX a month til XXXX I will have paid over {$90000.00}. for this loan. That does not sound right. I have tried to reach out to Navient twice but they keep telling me this is correct. Please let me know if this is right. I have never missed a payment in the ten years. I thought I was paying a standard ten year loan. Now the loan term has more than doubled. Thank you for your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In late XX/XX/XXXX, I applied for a loan assumption/modification on my late husband 's mortgage. 
I submitted all necessary documents. XX/XX/XXXX - was told by servicer that application + supporting docs were complete and under review. XX/XX/XXXX - was informed that application was denied because it was incomplete. XX/XX/XXXX and XX/XX/XXXX, I reapplied again. On XX/XX/XXXX and again on XX/XX/XXXX ; I was told the application was denied for incompleteness. 
In each submission, I have confirmation that they have received what was requested. I finally was forced to file a civil complaint in XXXX Superior Court ( XXXX ) on XX/XX/XXXX, to address this. 
The Service is still moving forward with the foreclosure sale on Monday, XX/XX/XXXX and has, to date, refused to extend any assistance.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: TransUnion continues to display fraudulent information about me. I've tried to remedy this with them in the past, but to no avail. I could care less, about a credit score, being that I am a human being and not a tool for commerce. a set of numbers do not define this human being and never will, so therefore, it is my demand that TransUnion abruptly stop, sharing/reporting my personal information, without my written consent and as far as I'm concerned, they will never have my written consent to report private and personal information about this Consumer. TransUnion has illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB, for protecting his Personal, Family and Household.

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 07-09-2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (WI).
Issue: Problems when you are unable to pay

Complaint: We were on vacation when our debit card number was hacked. We reported this to our bank after discovering several charges in XXXX, XXXX ( we live in XXXX ). The XXXX was also consulted. We did n't get a chance to call XXXX ( CNAC ) as it was the XXXX XXXX weekend, and frankly we were in shock. The bank froze our account until this is resolved. CNAC wants a letter, or fax to them, but XXXX XXXX will not do this. Why would we want a letter to us the bank is keeping us abreast of this situation? CNAC calls at least 4 times a day. I tell them the same thing every time. It is bad enough this company sells people who do n't have the means to get a car any other way because of issues in their life. We have said car into the shop 6 times. Brakes, radiator, rear tailight, and other things. This company needs to be investigated. This company also uses a device that changes numbers every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1. All XXXX agencies, XXXX, TransUnion & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with NRA Group, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Savings account) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I tried to open a high yield savings account with CIT Bank. on XX/XX/XXXX I received an email from them saying the following : Thank you for your recent application for a CIT Bank account. Unfortunately, after further review, CIT is exercising our right to decline your application for an account with our institution due to potentially high risk or undesirable activity. If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department at ( XXXX ) XXXX, Monday through Friday, XXXX to XXXX EST. I called the number above on XX/XX/XXXX to find out more about what they meant by, " potentially high risk or undesirable activity ''. The first guy I spoke to said that they could not verify who I was and that is why the account was rejected. I asked him with whom they tried to verify the information with so that I could contact them and correct any mistakes. His response was, " that is proprietary information that he could not tell me. '' I then asked to speak to his supervisor. The supervisor came on the phone and said they could only discuss what was in the email. I pointed out to him that the email stated, " If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department, '' and that I wanted to know more about how the decision was reached. He had the same reply that it was proprietary information. I asked him who I could escalate to next and he said there was no one else above him. I would like to know why they are not able to verify me. I have multiple credit cards, a mortgage, and savings and checking accounts with XXXX XXXX XXXX. I have also previously had student and car loans. I find it hard to believe that they are not able to confirm my identity and their reluctance to explain how they could not verify me is very troublesome.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was contacted by phone, with a threat of criminal prosecution if I did not pay the amount in question, on a loan I know nothing about, did not apply for or receive, and have never received any bills for - and they would not provide me with any of the details about the alleged loan - hanging up on me several times over the past XXXX days. 
They are threatening me with criminal prosecution - something that could destroy my career, clearly trying to frighten me into paying the {$630.00} in question - an amount I could have paid at any time, and which I have considered paying to make this go away - even though, as I have said repeatedly, I did not take out this loan, and if XXXX was taken out, it was done fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I file a dispute with XXXX XXXX account that are closed with XXXX balance. Because this account has been settle years ago and still has a negative impact on my credit report. Because this is a 7 year old account and XXXX agreed to remove these account off my credit report. Reference # XXXX. I did file I new dispute with Experian but I know they do not update right away and they do not follow creditor request. So I am filing a complaint so it is recorded through this system. XXXX mail out letterhead to me I should receive it within 7 business days and if it is not removed I am going to file a new complaint with it. I asking Experian to follow Creditor request. They are the one who reported it in the first place.

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 12/18/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I have been working with Shellpoint for OVER a year now to process a " court-ordered '' short sale on my property. They have made this very difficult with 4-5 different points of contact during this time. As a result, I have to start the process all over again. Each time, the service agent says they ca n't find my file papers ( such as my XXXX XXXX ; my XXXX XXXX page, etc. ). Then, three months later all of the paperwork is out-dated and I have to refurbish new documents all over again. 

Furthermore, their communication process is horrible. They say they have called and requested documents from ME, but they have not ... not one of their numbers has been listed on my cell phone caller ID. I just found out today, XXXX/XXXX/XXXX, that they were missing one page of a document back from XXXX XXXX, XXXX ... it 's been almost two months! Ridiculous! 

I have a buyer for this property and I 'm paying extra each month to keep squatters out. I wish someone would hold this mortgage company accountable for expediting workflow. It seems as though they really want me to file a foreclosure, which is what I am trying my best to avoid. 

I NEED HELP WITH THIS HORRIBLE SHELLPOINT MORTGAGE COMPANY!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Credit card debt) with DISCOVER BANK (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: in order to refinance our VA loan with  XXXX   XXXX   XXXX   XXXX , we took the equity in our house and   XXXX   directly paid off our outstanding balance to Discover Bank. They have taken the money back in  XXXX ,  XXXX  or  XXXX  and still report the debt as outstanding and have consistently failed to clear the account with the  XXXX   XXXX   XXXX   XXXX . I have contacted the court and they can take no action until Discover Bank officially reports the debt paid in full. I feel that Discover Bank is purposely delaying legal reporting in retribution to actions I have taken against them and feel that they need to be held accountable for their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: I opened a Secured Credit Card with Capitol one, they received my deposit of XXXX dollars, on XXXX/XXXX/XXXX, they sent me a Card ( XXXX ), on or around XXXX/XXXX/XXXX I was notified that my deposit was not on record, and my account was going to be closed, I called then on XXXX/XXXX/XXXX and was told to disregard the letter account is in good standing, on XXXX/XXXX/XXXX the card was closed, I called then and they acknowledged it was a error and reinstated it ... again on XXXX/XXXX/XXXX it was re-closed and is no longer allowed to be re-activated, I was charged a yeary fee of XXXX just prior to closing, i Received a letter from them on XXXX/XXXX/XXXX stating by my request it was closed, absolutely false! 
and they reported it to my credit file as via my request? 
As of today XXXX/XXXX/XXXX I am without my XXXX dollar deposit, nor do I have a credit account, and their action dropped my credit score, they also in XXXX XXXX, inquired into my credit file with reporting agency over 14 times, causing excessive inquiries on my file, and I was declined for credit by them during this time due to too many inquiries ... 


As you can see via the letter dated on XXXX/XXXX/XXXX over a 12 month period of date prior, they 1 year later said they did not have my deposit??? / help

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: on XX/XX/2017 we paid our mortgage by mail and personal check to Wells Fargo for XX/XX/2017 house payment. on XX/XX/2017 we receive our mortgage statement from Wells Fargo and it was for XX/XX/2017 which we promptly paid and verified the check was cashed by Wells Fargo. While discussing the issue with my wife Wells Fargo cut her off. She called again the same day ( XX/XX/2017 ) and she got hold of XXXX ( no last name given ). He acknowledge that the house payment was received and the check cashed by Wells Fargo. His explanation was " oh well they just sent you a duplicate ''. YEAH RIGHT.

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 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a phone Call from ERC for a debt in XXXX of 2016 Paid debt in full cleared my bank account on XXXX XXXX 2016 still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.

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 07-06-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NY).
Issue: Managing the loan or lease

Complaint: We took out a loan from Ashley Furniture for the purchase of a couch. The loan was supposed to be zero percent for 24 months. Now we were told by the bank that because we did not pay off the loan within the 24 months, they are accruing all of the interest, at 30 % for the 24 months. To make matters worse, the bank stop sending us statements back in XXXX 2015. Since the loan is on automatic payments, we did not notice the missing statement.

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 10-11-2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (MI).
Issue: Managing the loan or lease

Complaint: In XXXX of XXXX I leased a XXXX XXXX XXXX XXXX. I began having problems with the vehicle in XXXX XXXX. Specifically, jumps while switching gears and gets stuck in gear XXXX. The problem mainly occurs when the car is switching gears from XXXX to XXXX and XXXX to XXXX. The car jumps so much when shifting that it is hard to control. When the car gets stuck in XXXX gear the engine revs but does not shift out of gear. I began taking the car to the dealer ; however, the problem was never fixed. The claim was that they could not duplicate the problem. On XXXX XXXX I took the car into service and provided the dealer as well as XXXX with videos showing the issue that I am complaining about. Also I provided copies of other driver 's experience with this issue and I have described the issue in detail with the hope that the issue will finally be resolved. Additionally, I told the service manager that the issue appears to be software related specifically it is either malicious or incorrect code in the vehicle software. On XXXX XXXX after 53 days in the shop and XXXX miles on vehicle they returned it saying they could find nothing wrong with the car so no repairs were done. Upon return of the vehicle I noticed that the service report for the XXXX XXXX service was incorrect. The report stated that my car had only been in the shop from XXXX XXXX to XXXX XXXX and there were no miles put on it while it was in service, which is false. I pointed these errors out to the dealer who noted the inaccurate information. Since then, the car has been in the shop 3 additional times for the same issue and nothing has resolved it. Accordingly, the vehicle meets the statutory requirements to be deemed a lemon and repurchased by the manufacturer. On XXXX XXXX, XXXX XXXX made an offer to repurchase the vehicle and give me {$1500.00} towards a new C-Class. However, on Monday XXXX XXXX, XXXX they reneged. Since reneging on the offer the vehicle has been in the shop 3 to 4 additional times for the same issue. XXXX has ignored every correspondence and notice that they have received about the vehicle. They have also refused to keep the vehicle until they figure out what is wrong with it and provide alternate transportation. As it stands the car is unsafe to drive, however, I have no choice because they reneged on their offer and as a consequence I am paying for a vehicle and its use is substantially impaired.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Home equity loan or line of credit) with Shellpoint Partners, LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern : Shellpoint Mortgage Servicing recently became the new loan servicing company on my loan. The new owner of the loan is XXXX. Since taking my loan the servicer has had incorrect payments every month, for the past 4 months. When I contact customer service at Shellpoint the agents can not explain to me why my payments are wrong, although they acknowledge they are wrong. Additionally, Shellpoint Mortgage debited an amount {$500.00} GREATER than I agreed to over the phone when setting up the initial mortgage draft payment after the loan was sold. They worked to remedy this situation, but their competence and professionalism has been in question ever since. My payments are still not accurate, and they can not explain how they are coming up with the payments. My statements provide little information, and they are not responding in kind to my requests for more information. 

I 'm unsure how to proceed since I have no choice on who my loan gets sold to, and who services my loan. Shellpoint Mortgage is an abomination in the world of loan servicers, and I 'm not confident that they are even able to collect and properly apply my payments to the loan. 

I 'm hoping that you can help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and Equifax are ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was refused a free annual copy of my credit report from Equifax. 

I was denied a mortgage loan from XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief