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

Complaint: I recently learned that I have a series of FFEL loans in repayment in the amount of {$11000.00} currently serviced by Navient, which is currently being investigated by the U.S. Consumer Financial Protection Bureau. In the XX/XX/2015, I was incorrectly mailed notices for being in default with regard to my loans despite making regular monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2016 my husband and I went to XXXX XXXX XXXX to see about getting a new vehicle. We authorized them to run our credit, but we never authorized them to run our credit with over half of a dozen other companies. This put hard inquiries on our credit report, which obviously hurt our credit score. We were told by XXXX XXXX XXXX XXXX that the hard inquires would n't matter because they were all on the same day and that anyone who looked at our credit would be able to tell. It 's been well over a year and we 've gotten nowhere. It 's beyond infuriating knowing that we 're trying to build our credit and because this one company inquired with 6 plus other companies, we 're the ones paying for it.

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 12/28/2017 about Mortgage (Conventional home mortgage) with CHEMICAL FINANCIAL CORPORATION (OH).
Issue: Trouble during payment process

Complaint: XXXX XXXX never notified me sending my escrow balance check. I followed up with them repeatedly and their departments are giving me run around. It has been more than month and a half and I am still struggling to resolve the issue. Last I spoke with someone named XXXX from payoff and she rudely denied any responsibility by the bank. I need my escrow balance check mailed ASAP. This bank is managed by absolutely worst people and they have 0 customer care.

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 01/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2017, I went to XXXX to purchase items from the store. My card was declined. I went home and called Capital One at XXXX to inquire about my balance. I was also looking at my account online when the representative answered the call.The first representative hung up on me and so I had to call back around XXXX The representative 's name was XXXX and her ID # is XXXX. She preceded to tell me what happened to my account. I stated that Capital One had placed a {$50.00} over due payment on my account on the day that the account was due. I paid my bill on the exact same day. Capital one then stated that they did not have a {$50.00} over due fee on my account. On XXXX XXXX I saw where Capital one had credited {$25.00} to my account and changed the over due payment fee to {$25.00}. I had already paid Capital One in 3 days {$24.00} and XXXX payments of {$50.00}. By this time the representative told me that what I had in my account was {$9.00}. I asked to speak to a manager she chuckled and laughed and told me to hold on. I then spoke with the Manager XXXX his ID # XXXX. I told him that I had checked my account on XXXX XXXX and had {$80.00} in my account. I made XXXX purchases XXXX for {$15.00} and the other {$24.00}. He said that is correct. I told him that I made XXXX payments and all I have left on my account is {$9.00}. He laughed and said, " XXXX XXXX would you like for me to go over your account with you? '' I said, " no, I will be filing my complaint. '' I am not stupid I can read my card statements. The account representative was being condescending and in a situation such as this, I need for all representatives to be professional in which they were not!! Capital One has given me a card balance increase that I have not asked for. Capital One knows that if they increase the balance on the credit card then the interest and finance charges will be higher. My interest and finance charges are more than 50 % of my minimum monthly payment. With an interest rate of 29.9 % Capital One increased my card balance but did not decrease the interest rate knowing this would make paying off the card virtually impossible for consumers!!! I would like for CFPB to investigate Capital One and their banking practices because I am quite sure that I am not the only consumer with extremely high interest rates from this bank!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are multiple hard inquiries on my Transunion report that are exactly the same, with the same dates. I did not authorize these credit inquiries. At the very least they should be consolidated, if not removed altogether. There are three hard inquiries all from XX/XX/XXXX from XXXX XXXX. There is also one from XX/XX/XXXX from  XXXX XXXX XXXX XXXX????? I never authorized this company to pull my 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 01/30/2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I am currently behind in payment of my car. I have received several calls a day and today XXXX18 have gotten 2 voicemails about this issue. I am of the understanding that after contact has been made once a day, such as leaving a voicemail, there are to be no other calls made that same day.

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 05-10-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MI).
Issue: Trouble during payment process

Complaint: CitiMortgage sold  my mortgage to  XXXX  last month. I have been paying my monthly mortgage by phone because it is a free serves from CitiMortgage. When I went to pay my monthly bill to  XXXX  by phone they are going to charge me {$15.00} for the transaction. I called customer service at both  XXXX  and  CitiMortgage  to complain about the fee and both said the standard " we sympathize with you situation '' and nothing else. The reason I choose to pay by phone is the post office has taken over 10 days to deliver my payments and with all the computer hacking I do not want to pay via internet. So CitiMortgage got to reap the benefits to my good credit rating to sell my mortgage and I lose my payment option - how can this be legal?

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 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have requested on XXXX occasions now that XXXX remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; XXXX refuses to conduct a proper dispute. Letter is attached from 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 04/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Since   XXXX  , when my federal loans went into repayment, I have experienced long-term hardship creating difficulty in repaying those loans. Navient ( formerly operating as    XXXX   XXXX   ) wr ongfully steered me into multiple consecutive deferments and forbearances rather than into an income-driven repayment plan despite my having demonstrated a long-term inability to repay the loan. When I did ultimately apply for the income-driven repayment plan , Navient made th e process very difficult. It was also very difficult to reapply for the plan annually.  One year, when I reapplie d,  XXXX  took weeks to process the request even though I filed within their deadline and charged me as if I was not in plan. It took me many phone calls to have the situation rectified. I continue to qualify for, and remain on an income-driven repayment plan . [ Incorporating where applicable, by ref erence : complaints, arguments, and requests for relief from Consumer Financial Protection Bureau  v. Navient Corp., 3:17-cv-00101-RDM ( M. D. Pa. Jan. 18, 2017 ) ( Cmplt ). ] [ See attached spreadsheet for dates, amounts, and actions taken by me or the company. ]

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: AFTER XXXX YEARS I HAVE JUST NOW BEEN MADE AWARE OF A DEBT BY CITIBANK I DID NOT KNOW OF. BACK IN XX/XX/XXXX, XXXX I HAD A FRAUD ALERT PLACED DUE TO MY EX TAKING MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I 'M IN THE PROCESS OF REFINANCING MY HOME AND FOUND OUT BY LOAN PROCESSOR OF JUDGEMENT ON TITLE OF HOME. I WAS NEVER NOTIFIED OF ANY COURT PROCEDING ' JUDGEMENT AND DID N'T EVEN HAVE A CHANCE TO FIGHT IT. FROM XX/XX/XXXX TO XXXX I DID NOT LIVE AT THE HOME. PLUS I HAD BEEN XXXX IN XX/XX/XXXX AND AT THAT TIME LIVED WITH MY MOTHER. PLUS I FOUND AN OLD CREDIT REPORT OF MINE DATED XXXX OR XX/XX/XXXX AND THIS SAME ACCOUNT FROM CITIBANKXXXX HAD BEEN CHARGED OFF AND WRITTEN OFF FOR THE AMOUNT OF XXXX I DO N'T UNDERSTAND WHY XXXX MONTHS LATER THEY WOULD PLACE A JUDGEMENT ON SAID PROPERTY TITLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am extremely unhappy. my student loans got transferred from XXXX to Uheaa and my payment schedule is completely wrong. I called when it was transferred with concerns that the balance was reflecting higher then I last saw at XXXX after viewing my online profile. I was also concerned because I saw my loans split when it was XXXX lump with XXXX. It did show that XXXX sent my payments but I was concerned because it did not show I had one coming up. I was told I did not have one at the time and I would have one at my regular time in XX/XX/XXXX. Which for the past 8 years has been on the XXXX of the month. I left that phone call still unsettled. Now I get notices that I am late on my payment and owe a fee and my payments are due on the XXXX of the month. That does n't work for me as my other payments are worked around my loan payments on XX/XX/XXXX. Also It is not reflecting my recent payment that my online banking sends automatically on my due date of XX/XX/XXXX. My husband got a strange call to say his account number on his payment is wrong ... umm its my account he has one as well but as he just finished XXXX school his should still be deferred. And I ca n't find contact information because it leads you to dead pages. That lead me to your facebook reviews with many and I mean many other people dealing with the very same issues. This will be fixed and it better not reflect on my credit as this is a mistake on their part. I have been on time with payments for 8 years and then get switched without my permission and it goes all wrong! I am trying to sell and buy a home and this could hurt my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX bank sold my mortgage and did n't notify me in a timely manner. USBank bought my mortgage and did not notify me in a timely manner.

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 07-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Transaction issue

Complaint: XXXX of my customers file a dispute on a transaction after buying a scooter from me and keeping the items. Contact Capital 1 to get my money back on my account and fax proof of purchase and as of today Capital did n't credit my account back. Transaction amount of {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Debt collection (Medical debt) with Capio Partners, LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have reviewed my Credit report and found several account unrecognized items from your office ASSET CARE LLC # XXXX, # XXXX, # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Both XXXX and Equifax have my current address listed at I place I have not lived at for over a year. I discovered this after being rejected for a credit card because they could not verify my address. I put in an online dispute form with Equifax & it says it will take a month to resolve, despite uploading a pay stub showing what my current address is. 
Also, why is XXXX allow to charge me {$10.00} to temporarily lift a credit freeze???? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian for the past 3 mouths this company will send up dated credit reportAll XXXX will not sent out letters of dispute will take off accounts that someone usedI need up date report on all XXXX I ask to delte the late charges the bank will not send mestanding ments of what been charge date back XXXX of 2014. 
Copys of letters that I sent for the last XXXX mouths all XXXX not every good company to do business I have a right to dispute what is on my credit all I get is the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with First Data Corporation (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Check # XXXX was written on XX/XX/2016 to XXXX for {$13.00}. That check was never received and we paid XXXX via credit card as soon as we learned of the check disappearance. We now have received a collection notice from TRS Recovery Services Inc. demanding payment for {$180.00} alleged owed XXXX # XXXX and written on XX/XX/2016. We have never written a check for that amount to XXXX. The TRS Reference # is XXXX. We have a carbon copy of the check in question that shows that it was written to XXXX for {$13.00}. Our credit union can not help because it is an electronic check. I feel that this is a scam and I have to wonder how many people would panic and pay rather than spend the hours I have spent trying to resolve this issue. We would appreciate your attention to this matter. Our credit is impeccable and I intend to keep it that way. Thank you in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Bankruptcy

Complaint: I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was XXXX on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid BANK OF AMERICA/FIA CARD SERVICES in full. 

XXXX reports BANK OF AMERICA as " Derogatory '' and as " Negative Account, Closed Account ''. It continues to report the status as " Wage Earner Plan '' and the " Date Reported '' is " XXXX/XXXX/XXXX '', which is after my bankruptcy discharge. BANK OF AMERICA continues to report a balance of {$19000.00}. 

XXXX reports BANK OF AMERICA with XXXX " Derogatory '' and " Potentially Negative Closed '' accounts, XXXX of which appears to a duplicate and is incorrect. 
The first account # XXXX reports " Payment Status : Making regular payments under XXXX. '' and reports a balance of {$19000.00}. 
The second account # XXXX reports the " Account Type : Banks and XXXX '' ; it should state Credit Card Company. It continues to report the " Payment Status : Wage earner or similar plan ''. 

XXXX reports BANK OF AMERICA accounts as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report the " Status Payment Plan ''. This account should also be reported as closed. 

I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX BANK OF AMERICA addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX, XXXX and XXXX, respectively. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have attempted several times to get this collection removed that is from XXXX XXXX XXXX or IC Systems IC. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file. I have the signed copy of the FTC if you need it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: This is a complaint about the CFPB process. I submitted a claim against Bank of America XX/XX/XXXX, and was told I would receive a status update in 15 days. 
On the XXXX day, the " status update '' was that it would now be 60 days to hear anything back. 
Having talked to CFPB personnel by phone, I was told that companies are allowed to request up to 60 days time once the XXXX day has been reached. 
Did Bank of America request more time? What was the decision process to grant them more time? Is there any evidence they did anything on this complaint in the first 15 days?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MN).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I initially submitted a request to have my PMI removed on my Mortgage to LoanCare LLC, the servicer on my mortgage. At that time I had just paid my mortgage down to a better than 80 % LTV. I was told that at that amount that it is permissible to have the PMI removed following an analysis of the factors. I have never missed a payment and I have been paying on my mortgage for more than 5 years.
The company claimed they never received this request when I called 2 weeks later, so at that time, I submitted a second request via email on XX/XX/XXXX. This they received as I received back an email response that they would respond to my request within 5 business days. I did not receive a response. Over the next month and a half, I called customer service repeatedly and sent additional emails. Only after I submitted a complaint the CFPB in mid-XX/XX/XXXX, did I finally receive a response from the company. Their response letter to me was dated XX/XX/XXXX. I received it in early XX/XX/XXXX. That means that their response time was almost 2 full months after the definitively received response from XX/XX/XXXX. The letter stated that they would not remove my PMI until I paid my loan to a better than 78 % LTV. I did so immediately and submitted a new request that they remove the PMI from my account on XX/XX/XXXX. The email response to my XX/XX/XXXX email said that they would respond withing 5 business days.
It is now XX/XX/XXXX, and I still have no resolution on this issue. They continue to charge me for PMI. All of these delays make it seem like they are unwilling to stop charging me for the PMI. They are charging me for something that they are no longer legally allowed to charge me for ( according to their own letter to me and the FHA guidance I could find online for loans made in XX/XX/XXXX ) and the previous delays while they investigated removing the PMI seem like they were engineering to incur additional PMI charges. I indicated in at least one of my early emails requesting removal that I would pay to where needed immediately once I had confirmation of that amount, but they continue to drag their feet.
I tried calling the company on Monday, XX/XX/XXXX. They were not even taking calls. You were allowed to leave a number for call back at their convenience ( after you spend 10 minutes going through the call-in process ). They called back while I was at work and unable to respond. So, there is absolutely no avenue for me to try to get resolution on this issue. When I send emails, they just give me a canned response. I ca n't speak to a customer service representative because they call back when it is convenience for them, not for when one is available.

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