milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My concern is that I am supposed to be in a repayment plan. And XX/XX/XXXX is supposed to be the last payment of {$720.00}. This amount is the same from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I asked a representative " after I make these payments will this bring me back to current! And the representative said yes. He was a man. The representative said your payments will go back to {$480.00}. The new mortgage servicer ( Loancare , LLC XXXX XXXX. XXXX XXXX XXXX, PA XXXX. Telephone number is XXXX ) is asking for {$480.00}, and I am not finished with the repayment plan which is due on XX/XX/XXXX. XXXX XXXX # is XXXX I will just say, for several years this has been my main concern ( mortgage ). I moved form XXXX XXXX to XXXX XXXX XXXX   Mortgage Servicing, a division of XXXX XXXX to Loancare , LLC. I tried to contact XXXX Mortgage Servicing, at the number that I always use and the new servicer picks up the phone. On another occasion I called the number that I received in the mail on Saturday XX/XX/XXXX. And they said that they could not see any thing yet to call back on Wednesday or next week. New servicer is 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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars from five years ago. I am Inquiring as to why that is?

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 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made a payment to my Navient accounts and the payment was applied to the wrong account which resulted in Navient reporting that my loans were past due to the credit bureau. This caused my XXXX score to go down XXXX points. I have been working with Navient since XXXX 2016 and the issue still is not resolved. I have requested that my payments be suspended until it is resolved but have not received a response. I have also expressed that this error has caused my car insurance premium to increase due to the negative impact their error has caused regarding my credit score. This is the second issue I have experienced with Navient that has negatively impacted my XXXX score and its required that I spend hours of my time and months to get it resolved. I emailed them again today and provided my old credit report with the correct information prior to the misapplication of payment and the current credit report with the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 07-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had XXXX private student loans for daughter to attained XXXX that was a private school. Both loans were in my bankruptcy I file in XXXX. My attorney told me to keep paying on the loans anyway he thought it was a mistake but it was n't. After discharge the loans were closed for lesser amounts in XXXX. Sallie Mae never sent me a letter or contacted me to tell the loans were closed. I continued to pay on the loans for over 2 years and three months after they were closed. Also they did not apply any of my payments during the 5 years of the bankruptcy or the two years and three months after the discharge I paid toward the loans. I have called them five times about getting my money back. They have told me that they put the payments back into my bank account but they did not and said I would get a letter in three weeks that I never received. Call back six weeks later and was told it was in the audit department for review and it would other three weeks and never heard from them. I called again in six weeks and was told it was still in the audit department. Six more weeks I called again and now they are saying I never have had a loan with them. I called them again around XXXX/XXXX/16 and now they are saying I did have the loans and they were transferred to XXXX. XXXX said no they never had the loans and Sallie Mae has them. Now they are pointing the fingers at each other. All I know and have told them that all the checks are stamped deposit by Sallie Mae. They either owe me {$11000.00} I paid them during my bankruptcy plus {$5000.00} I paid after they closed my loans. But I do know they owe me over {$5000.00} or all the payment I made after they closed the loans. I have all my bank statements and the checks they deposited into there account from day one. They have also listed the loans as being in bankruptcy and closed in my credit report. XXXX of credit reports have removed them XXXX stills has it listed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This complaint is for both federal and Non-federal student loans. I have been having trouble repaying my student loans since I moved to Texas in XX/XX/2014. On several occasions, Navient has sent me emails with this subject line : " XXXX, Reply YES to Postpone Your Student Loan Payments ''. I replied yes on multiple occasions thinking that they would send me information of repayment plans. Well it turns out that replying " YES '' actually put my account into forbearance. I truthfully did not email read the emails initially. I did not think that they could legally change my loan status without verbal affirmation and without asking indentifying questions. So image my surprise when all of a sudden my student loans increased by thousands. Now I am hearing that I would have qualified for income based repayment which I had no idea about. I would have never agreed to forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with Recovery One, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Debt which is not owed. All equipment was returned to the school. This is not accurate and I want removed off of my personal credit file

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong account ( s ). Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX    who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MI).
Issue: Trouble during payment process

Complaint: We filed for Chapter  XXXX  bankruptcy in early  XXXX  to save our home from foreclosure. At the time, our mortgage was with  XXXX . During the bankruptcy the loan was transferred to  XXXX  then to  XXXX   XXXX   XXXX . Our last mortgage payment made through the bankruptcy to a mortgage company was  XXXX . At this same  time Ditech began se rvicing the loan. The filed paperwork stating that we were behind on payments, but then relented and said the loan was current. I tried to cont act Ditech  in Fall of  XXXX  to try to have PMI removed.  Ditech w ould not talk to me and referred me t o a 3rd party bankruptcy servicer. This 3rd party sai d that they showed my payments as current and that I would need to make my request by fax to  Ditech to have the PMI removed. I faxed Ditech, but ne ver heard back. In  XXXX  of  XXXX , I tried to contact Ditech again and was again referred to t he 3rd  party servicer. They again confirmed my payments were on time and that they had made multiple requests to  Ditech to begin servicing the loan again because my bankruptcy had discharged  in  XXXX . I contacted the servicer a few other times about the change in servicing. On  XXXX   XXXX , I faxed  Ditech to reques t they begin servicing the loan again, to remove PMI, and to recalculate our escrow because they had made an error in the estimate. About a week later I received a letter fro m Ditech stating tha t we were past due {$3300.00}. I left a message for the agent  XXXX  at extension  XXXX . When she called me ba ck three  days later I missed the call. On  XXXX  I faxed  Ditech  court paperwork from their lawyers stating that as of  XXXX / XXXX / XXXX  our mortgage payments were current. Since this time we have made all mortgage payments. I received a call from  XXXX  at extension  XXXX  on  XXXX   XXXX . She stated that we did not make all of our payments during the bankruptcy or that some payments were made but not for the full amount due. She was unable to tell exactly when this happened due to the transferring of the mortgage, but she was going to send me a payment history. She reminded me of the amount past due and the possibility of foreclosure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been disputing for a while with the credit bureaus and XXXX XXXX XXXX and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of 2011 but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My Equifax and my XXXX credit files are still showing this account despite the multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My son, XXXX XXXX XXXX attended XXXX XXXX XXXX and received his degree in XXXX. I co signed on the loans with him. He paid on his loan with Wells Fargo without missing a payment when he had his first job. Then he moved to XXXX XXXX and was in the process of finding work. We took a forebearance for about 5 months. As soon as he got back on track he began paying his loan again. We requested that I be removed from his student loan obligation, and I was told that since he took the forebearance, we no longer qualify for me to be removed. He has been making payments for over a year now in good standing and they still will not remove me as a cosigner. Please let me know what information you require to research. 
Thank you. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with KEYCORP (IN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In the mail we received an offer to open a Key Bank checking account and begin our auto deposits. Have {$500.00} deposited in 60-days and receive the bonus. 

We did everything we were asked to do and never received the {$400.00}. The local branch manager kept telling us was just delayed. After about 90 days he sent it to a Vice President in XXXX that said the terms were {$1000.00} in deposits. I sent them a copy of the offer we received and they simply wo n't live up to their advertised offer. 

Criminal in some countries.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had issues with Carrington, mortgage ever since my loan was sold to them from XXXX XXXX XXXX. I was never late, upon my husbands illness we decided to do a short sale on the home. We began the paper work in XXXX 2016. Since we are self employed, we sent all the information they requested including an offer on the home. They have continued to request the same documents, ask for things they never requested, ie. signatures on the profit and loss form and so much more. the claim is that hud or FHA is the hold up due to a waterfall process. The home is about to go into foreclosure when it should n't have to with a buyer all lined up. I am at my wits end with this company and will never purchase a home again! I have already made arrangements to move, and the first and second mortgages are about to be four months past due because they are dragging their feet at Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Credit card protection / Debt protection

Complaint: My American Express Blue Cash Credit Card with ending number XXXX was wrongfully charged without my authorization on XX/XX/XXXX. The charge was {$100.00}. I paid off the charge plus late fee and interest charge in total of {$120.00} on XX/XX/XXXX. However, American Express charged {$1.00} interest. This blue cash account information disappeared from my online account. I travelled to XXXX and XXXX during XX/XX/XXXX and XX/XX/XXXX and I did n't see the {$1.00} online. American Express Company terminated this blue cash card and closed out the account because of {$1.00}. They also forfeited {$1000.00} cash rewards I accumulated on this account. I authorized my brother to call American Express and one representative promised to fix the issue and return all the cash rewards to my other American Express cards. However, they lied and never return the money. At this moment, American Express refused to reopen the account and return my cash rewards. Additionally, they had reported this unresolved issue to credit agency and ruined my FICO scores. I am deep trouble getting loans if I want to buy an apartment. I have to bring this case to court and sue them and seek financial resolutions. They must pay all my cash rewards back and undo the damage they caused to my FICO score and also pay for any related damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease

Complaint: Hyundai Theft of {$370.00} Hyundai Acct # XXXX Tell my Story First, I am a XXXX on a SSA small fixed income that gets to me on the first week of each month on a date from XXXX to the XXXX. My XXXX XXXX was picked up/delivered on XXXX XXXX but Hyundai required my lease date to be back to a XXXX due date for payments, not for when I started or made my first payments on this car. For about 1 1/2 years Hyundai Motor Finance harassed me routinely that by mail my payments were getting to them beyond their purposely shortened due date and grace period which was unchangeable on the XXXX of each month. This then caused me to mail checks to them early than the XXXX and without coverage money in the bank. They seemed to say pay on time or they would hurt my very good credit rating. So I wrote checks to them BEFORE the money was in my checking account. 

I constantly requested to them by mail to consider a longer GRACE period for me extending the due date in their programming that was causing all this harassment. They did nothing but harass me more. NOW in XXXX I saved enough money to make my {$180.00} monthly payments fully funded, early and get there faster thru banking AUTOMATIC payments that according to XXXX XXXX took only XXXXXXXX days to get to Hyundai in Texas. So if I could determine how long this would take automatically so it got there by any months XXXX date. I would go automatically by computer transfer. 

Because of Hyundai continuous harassment up to this automatic change I had to change the send date 3 times before anything was suppose to happen. Instead it ( XXXX ) was factually sent 3 times to Hyundai on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX ( bank records are available ) or 3 times XXXX. It should be obvious to anyone that only XXXX {$180.00} would pay my each month payments but not Hyundai they now claim they felt these XXXX close date payments by me was wanted for advance payment ( that is the thinking of pure incompetence ) so they rolled this in to the months lease payment rather than questioning me or mailing it back to me. STEALING was a lot easier to do and then to continue their harassment of my fixed government income. They now totally REFUSE to pay back this stolen {$370.00}

Company response to consumer: Closed
Consumer complaint received 06-01-2016 about Consumer Loan (Vehicle loan) with Home Loan Center, Inc. (MN).
Issue: Shopping for a loan or lease

Complaint: I visited the Lending Tree website and clicked on a link that said " view your free offers ''. I entered name, address and supposedly my last XXXX digits of my social ( per lending tree ). At no time was I told I was applying for a loan or my credit would be run. I am now getting tons of emails and call re : my loan application. I DID NOT apply for a loan or give permission to run my credit. Sent XXXX emails to lending tree customer service with no response. Called today and was told that at very bottom of the page there is a terms and conditions link. This is unacceptable. At no point did there site say ... loan application. There has been several hits on my credit report ... ..and I did n't apply for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Trouble during payment process

Complaint: XXXX v. Nationstar ( Mr. Cooper ) See Case No.XXXX. XXXX illegally changed the UPB ; violated the terms of the PN and DOT, created and failed to correct flawed accounting, failed to produce the loan transfer dox, assignments etc. CFPB said in a phone call to me they really can't do anything and to get a lawyer. Maybe now, with the changes at the agency, some constructive resolution can be achieved. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with SUNTRUST BANKS, INC. (AK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a claim by SunTrust Bank that I owe them in excess of {$100000.00} which they continue to report as owed and in collections. After the first contact, I sent them copies of documents showing that this loan resulted in a judgement that is now satisifed. In 2015, I also received a XXXX for this loan forgiveness. I do not owe them this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Monthly payments of {$100.00} do not get posted every time. Maybe 3 of 6 are not posted. 
And, when the payment is posted as the XXXX it is shown as {$11.00} to principal and {$88.00} to interest. Other months the principal and interest amounts are all over the place. 
HELP!!!

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. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My personal information was part of a data breach which occurred at Equifax on XXXX XXXX 2017. I believe that my data was improperly stored and now face potential identity theft due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Unsolicited issuance of credit card

Complaint: Received correspondence from Barclaycard regarding Application : XXXX, XX/XX/2016. We need to verify the address listed on your application. Please send an original utility bill or bank statement with your name and address. 
NEVER APPLIED FOR A Barclaycard Visa with Apple Rewards. 

This is a repeat action less than six months apart from BARCLAYCARD. Please cease application. This is a fraudulent application.

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