milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I left the XXXX, XXXX address in XXXX XXXX and sold the XXXXXXXX address in XXXX XXXX when I exited the XXXX. I do not understand why addresses that are over XXXX years old are still on my Equifax credit report and not my most recent addresses? Please correct to reflect my most recent addresses : XXXX Deer XXXX XXXX, XXXX XXXX, XXXX XXXX - OWN/purchased XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX I purchased my second home to escape the noise in apartment living. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX/purchased XXXX I also only own XXXX homes and not the XXXX reported by Equifax. My second mortgage was initiated with XXXX company. XXXX sold my loan to XXXX effective with the XXXX XXXX payment. Please correct the error associated with the number of homes/mortgages that I hold. That error has an impact on my credit standing. Thanks for all that you do. Have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with Financial Credit Network Inc (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXXI contacted Financial Credit Network by certified mail, requested to send certain documentations to show that the debt is in fact mine, which is ( Debt Validation ) they refused to show me any documentation stating that it is, as they continued to file a debt that doesn't belong to me it continued to hurt my credit and caused me to get denied for a credit card. I then sent then a 2nd letter which was sent XX/XX/XXXX which was to send documents that were requested in the first letter and also requesting to send additional information which included 1.the original instrument, 2. their registration details with the financial conduct authority. 3. their registration details with the information commissioners office. 4. their consumer credit license number 5. their public liability 6. their registration details with any other regulatory bodies. the company did not. third letter was sentXX/XX/XXXX requesting the same information needed to show proof that the debt is in fact mine. The company sent a copy of a bill with my incorrect address stating that its mine the amount stated that I owe was XXXX which doesn't prove anything, The company denied to send requested information yet again and now I want to file a complaint because I believe this company is committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (HI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 02/21/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been paying on the Income based repayment program to qualify for the student loan forgiveness program for nearly 8 years now. On XX/XX/XXXX, I called to request an update on a Income driven repayment application I had placed to change my program to a lower payment. I called XX/XX/XXXX to inquire about the status of my application. I was told to call in after the XX/XX/XXXX to have it exedited had I not heard back by then, that everything seemed in order to have that application processed, nothing was out of the ordinary. 

Upon calling today ( XX/XX/XXXX ) I was told the student loans in question did not qualify for any other IDR plans other than IBR and nothing would be done about the application. I was also told that the loans I had, do count towards the Public Service Loan Forginess program, which I thought I had been paying for the last 7-8 years. I have called in to Navient many times over my years of repayment to reinstate my IBR. In those times I have questioend them about the PSLF program and if I was staying in the requirements of that program. Not once had I been told I had the icorrect loans. 
So I am left with the option of paying my IBR another 15 years when I was led to believe I had <3 years left to apply for the PSLF prorgram, or consolidate my loans to a direct loan and start from scratch to make my 120 loan payments, so they will be forgiven. 

I have had phone conversations with Navient about what steps not to take to make sure I qualify for the PSLF. Those specific conversations incluced being told NOT to consolidate my loans. NEVER once was I told that the type of subsidized loans I had did not qualify for PSLF. 

I am extrmemely frustated that I have just now been slapped with {$35000.00} in loans I had been led to believe was going to be forgiven in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (SD).
Issue: Account opening, closing, or management

Complaint: I applied for a loan for a used vehicle through XXXX XXXX in XXXX SD. I received a rejection letter that was based off credit reports with information that is soon to be outdated. The bank that rejected my application was wells fargo and I highly feel that due to my address on my application which is on the XXXX XXXX is a reason for rejection also and this is a form of racial discrimination from wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Credit Systems, L.P. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX, I was made aware of a {$65.00} charge off that was reporting on my credit report by a " SW Credit Systems. '' I 've never had so much as a late payment on my credit report..ever. It was in the XXXX, and after this report it has dropped nearly XXXX points. So I contact this SW Credit at XXXX and spoke with an XXXX XXXX there. It took them forever to find my account, and stated it was a {$65.00} bill from XXXX XXXX?? I have n't had XXXX in about 2 years so I was very confused. I asked when they tried to contact me and I would 've paid them whatever they wanted before they reported it as a charge off and come to find out they sent one letter ( to an address I have n't lived at in years ) in XXXX. I asked if that was it and she said yes. 1 letter..over the course of 8 MONTHS. I asked her if she thought this was an appropriate amount of collections before sending it to charge off. She avoided answering the question and just read off a script, because anyone who is sane would know they answer is a most certain " No. '' I asked if we could come to some agreement where I would pay this mysterious {$65.00} bill and they would just remove this from my credit bureau. XXXX was emphatic that they have a no deletion policy. I then called XXXX at XXXX ( Collection Department ), where I came in contact with literally the rudest person I have ever dealt with in a business setting. She started yelling at me when I tried to get information on this alleged account I had, saying that I should n't have called there and I needed to speak directly with this Collection Agency that they sold my " debt '' to. She was trying to rush me off the phone from the 1st sentence. I asked if she could possibly assist me with this random 3rd party, possibly fax something to them. When I asked this, she literally yelled into the phone " WE ARE N'T GOING TO FAX ANYTHING TO ANYONE TO GET IF OFF YOUR CREDIT '' and actually hung up on me! I always remembered XXXX being very nice back when I had it, so I was astonished to come across someone so terribly rude. I 'm just so confused at this entire situation, I have a random 3rd party collection agency that has awful reviews reporting a {$65.00} charge off that I 've never been aware off but they claim that they sent ONE letter 8 months ago. When I try and contact the base company that my supposed " debt '' is with, I 'm met with rudeness beyond words. I ca n't believe I have been dealing with all of this, over a simple {$65.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been receiving letters from XXXX for over a year. Saying that I owe them money. 
XX/XX/XXXX statement 2016 I owed {$170.00}. Unable to charge on the card because they say I was late, no more charges have been made. 
I made a payment of {$150.00} XX/XX/XXXX. I made another payment in XX/XX/XXXX of {$75.00} and {$75.00} in XX/XX/XXXX. I still continued to receive letters that I owe the {$320.00} but now acknowledgment of the payment or explanation of why the balance is n't going down or why it is still going up. I have asked repeatedly for a statement of my charges and they have not given me one. 
Just letter " trying to collect a debt. 
To me it is paid off. They need to correct the credit agencies records which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Payment histories lack transparency. Every year it takes longer for PHEAA to process my recertification. This appears to be a deliberate ploy. The hit taken on my PSLF credit seems to be increasing while they force me into foreberance. The time they take to reconfigure my payments is increasing, from the latest report of XXXX XXXX, it appears to have dinged my PSLF credit for two months, rather than the 1 month that the rep promised me over the phone. I am submitting a payment history with several issues. I would like a line by line response to my complaints. I would also like a line by line monthly accounting of how each payment is applied and if it is not counted toward PSLF, please provide the reason for that. 
Additionally, my yearly electronic IRS submittal is never " enough '' and the processing of my recertfication is further delayed by having to submit my tax forms and paystub, etc. I am curious if there is a law that says I must take forberance while they recertfy. If there is another way around this that will ensure I will not lose my monthly payments and credits, please advise. This lag in processing is totally unacceptable, manipulative and not consumer oriented. I am tired of having this pattern repeated year after year without resolve. 
While I get my paperwork in way ahead of the game, it 's still the same story.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Billing disputes

Complaint: We are renovating our home and order supplies from Home Depot and charged it on our Citi Bank/Home Depot card. Our credit limit is {$500.00} and we have never wanted to increase it. My score was over XXXX, apparently deciding whether to return or order another XXXX my HD/Citi card went over by {$96.00} around XX/XX/XXXX. My billing cycle is the XXXX of each month. I was n't advised at all from Citi Bank/Home Depot that I was over the credit limit even though I have it listed it on my online alerts to let me know should that happen. I learned by an online alert XXXX XXXX that XXXX of my accounts was over the credit limit. It resulted in my credit score going from XXXX to XXXX along with the negative effect it has by going over your credit limit. I immediately made payments ( see payment information attached ) which should have reflectected by my billing cycle. This overage was n't over 30 days and it was well before my billing cycle. You will see that they still have n't updated the XX/XX/XXXX billing cycle but still reporting over the credit limit. Is n't that the purpose for having the same day each month with the credit card company as your billing cycle to allow you enough time to make any adjustments prior to them reporting on all XXXX of your credit bureaus. I am in the middle of applying for a business loan and the first thing the bank sees is that I am over the credit limit on a {$500.00} credit line. This is painting the wrong picture of my credit worthiness which also is reflected in my payment activity. My wife has worked in the XXXX for 30 years and ca n't believe that Citi would report the overage before the report the payments. Is this their way of charging a higher interest rate? I am hoping to resolve this issue through your site as I have tried on line Chat, email, telephone with no response at all. Please help me before the bank uses this to charge me a hard money rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Chase used my escrow in XX/XX/XXXX to pay off my mortgage a month early in full leaving two of my property taxes unpaid without our knowledge or permission. I learned about this around XX/XX/XXXX because Chase sent us a letter. We were scheduled to pay off the mortgage in XX/XX/XXXX, which would have left remaining escrow to cover the taxes. The monthly P & I is approximately {$780.00} and they paid out approximately {$680.00} in escrow to cover the loan on XX/XX/XXXX, which was the day after my XXXX payment was made. Their internal investigation yielded that CFPB 1024.34 was not violated in any means because they could do this with escrow, and it is considered a common practice. We paid off our 30 year note in about 14.5 years. 
I believe that this is a stretch of the regulation at best, and if not, completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Trouble during payment process

Complaint: This is the third servicer I have had since refinancing 9 months ago. In the process, records of my tax and insurance products that should have been paid by the escrow account were lost. As a result, my condo insurance was not renewed on time and it required several phone calls to both the insurance company and the servicer to resolve. In addition, because the tax payments were not accurately carried over, my escrow account was nearly all refunded and the payment adjusted incorrectly to a much lower amount, which will then cause a big bill to the escrow down the road. It has taken several phone calls with the servicer and the issue is still not resolved. On multiple occasions I was promised a call back and did not receive one.

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 09/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I have XXXX credit cards with bank of america. They do n't have my account statements for everything that I owe. I believe banks are supposed to have statements of everything I owe. They said they could only go up I believe 7 years but beyond that they do n't have a record. If this is the case I dont believe they are allowed to charge me for prior the 7 years.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX points were deducted from my credit score once again by Transunion and XXXX in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.

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 07-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Six accounts were open in a similar to mine. My name is XXXX XXXX. The accounts are in the name of XXXX XXXX XXXX. XXXX XXXX open up the following account that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Walmart, XXXX XXXX and XXXX XXXX. This is affecting my consumer report and would like them to be removed. Synchrony sent me a letter letting me know do to fraudlent account they would be closing the accounts above.

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 10/27/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hi my name is XXXX XXXX XXXX, I have a private student loan with Navient. they are refusing to help me lower my payment passed on my financial statement and a supervisior even hung up on me. when he refused to tell me if any programs where available to me. I have a co signer who offered to send final statements and they refused to except and only took it over the phone and said she made too much to lower my interest rate which he says is the only way to lower my payment. I am not a student anymore I work and have a family and make like XXXX a month and my bills round up to about over 2500. a month. I m in desperate need of help and they are just flat out refusing to assist me, I am willing to pay, just need an amount that I can afford. I have tried numerous times with no success and I am at my whits end I have a family to support and it seems these people at Navient care only about how much they can get out of you they care nothing about working with the customer to solve any hardship issues. The lack of empathy dicusses me to no end how can people be so bottom line and treat others like just a number.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The Ditech went through a system upgrade on XXXX. I called on XXXX/XXXX/16 to ask why duplicate payments had been made as it was showing payments on XXXX/XXXX/16 & XXXX/XXXX/16. I was transferred to the tax department ( XXXX ) who told me they would investigate and get back to me within a week. No one ever did so I called back a week later and they informed me that the system upgrade ended up causing what seemed to be duplicate payments to the City Tax due XXXX/XXXX/16 but one of these payments were " ghost '' payments and they were n't disbursed or taken out of my escrow account on XXXX/XXXX/16, but the actually only payment that was disbursed by them was on XXXX/XXXX/16 which was the correct one for the XXXX tax bill. I told them I was refinancing and needed the Payoff amount to be accurate, they confirmed it was. On XXXX/XXXX/16 it again shows ANOTHER payment for the tax bill due on XXXX. I called on XXXX/XXXX/16 to ask why another duplicate payment was made. They said they made a mistake when the did the first investigation and found out I was refinancing with another company and they wanted to hurry up and make the payment and it caused a duplicate payment and disbursement. I was told they would escalate the problem and it would be refunded back to my escrow account within 3 businesses days. I called after 2 and was told to call back the next day. I called back after 3 days on XXXX and was told it 's still being investigated and to call back tomorrow. They are showing a negative balance on an escrow account that should have a surplus and the did this knowing I was refinancing and this is causing many issues on the payoff amount.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hello, I was a student at XXXX XXXX College. Due to federal loans covering only a part of my education, the school insisted on getting a loan through a private company. While attending school, I was required to make payments every month. XXXX breached due to the sudden closure leaving me to pay off a loan for an education i did not receive.

Company response to consumer: Closed with monetary relief