milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans with Navient which at any time I have put a forberence on them or allocated them to XXXX monthly payment they have been done in error. There is always XXXX, XXXX or XXXX that have been left off the forberence or allocation. I actually allocated them down to XXXX payment in XXXX of XXXX for the a month of {$110.00} for all XXXX loans ; but started receiving calls beginning of XXXX XXXX. When I finally got ahold of someone at navient and questioned why they were calling it was because 'one of my XXXX loans was past due '. How could that be though?! I allocated all XXXX having made the first monthly payment myself online, with no autograft, in the amount of {$110.00}. Ironically they were deducting almost {$11.00} less from my agreed monthly auto draft therefore making me late on XXXX of my loans. What 's even more ironic is this exact same thing happen to my significiant other. He allocated all his loans a XXXX, in XXXX started receiving calls that XXXX was late.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Credit determination

Complaint: Hi, I just recently tried to get a credit card from amazon. The credit card is through Chase and I first before I apply checked the internet about what you credit score had to be many site 's said it had to be in the fair range. I have to credit cards now and the cards are somewhat max out, but I 'm saving for a house and I ca n't use that money to pay them. I make around {$33000.00} per year.I called to see if I was approved and they got more info from me but they did n't approve me, but I think because they judged that I was XXXX from the tone in my voice and I was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER DECEASED.i was pay off and no balance.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Impacted by Equifax security breach. My information has been compromised due to insufficient security measures. My information is collected by this company without my consent and sold. Now it 's also been stolen by unknown actors.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: I have had an FHA loan with SunTrust mortgage since 2009 when I purchased my condo for {$200000.00} with the help of a mortgage broker who has since left SunTrust. At the time, the condo appraised for {$220000.00} but because I had just started working, I still had to pay mortgage insurance since we did not have the cash for a XXXX % down payment. More recently, because of lower interest rates and multiple spam emails from the current broker, XXXX XXXX, I decided to apply for a refinance. Initially XXXX was very helpful, and although I did not qualify for the lowest advertised interest rates since I no longer lived in the condo, she said that I would still be able to lower my mortgage payments with the refinance. We decided to proceed with the application. The appraisal came back at {$190000.00}, which was partly based on a comparable rental that had a lower price listed on the appraisal then on the Internet as well as a comparable sale in a multiunit building with many previous sales, none of which were on the original appraisal. XXXX said that because of the lower appraisal I would need to pay mortgage insurance since I no longer had enough equity in the property. I asked to appeal the appraisal but also offered to pay down enough of the mortgage to Own more than XXXX % of the lowered appraisal. The following day XXXX responded that the condo association did not meet required XXXX % annual reserve allocation requirement on the budget, despite the fact that the HOA allocates XXXX % of the budget to reserves and has cash reserves that are greater than XXXX % of the annual budget. I asked for a refund of the appraisal fee since I felt that the reserve allocation issue should have been discovered prior to going ahead with a {$500.00} appraisal. I did not receive any response from SunTrust. I suspect that they are only interested in collecting the appraisal fee and were looking for any excuse not to proceed with the actual refinancing since they are already collecting a higher interest rate, as well as mortgage insurance.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint because I am a victim of identity theft and have been going back and forth with both of the bureaus and companies for over a year and nothing has been done. I have requested proof of their investigations and received nothing. i have requested proof of my agreement and received nothing. I requested a contract or copy of my id or signature and received nothing. I have have attached a copy of my identity theft report and a copy of my drivers license as proof of my identity and have received nothing. I have even started the process of taking legal action but was advised by an attorney to file a complaint with this forum and request they delete and block these items pursuant to section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and that under this section these items must be deleted and blocked and an updated report showing these removals be sent 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 03/31/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Balance transfer

Complaint: I took out a credit card with XXXX XXXX, i was paying on promotional items and defaulted on my payments after a few years and was being sued by a law firm, I expressed to them that I had been paying on the promotional items that according to my calculations were paid off, they said they would look at this matter and just sent me a letter in XXXX ( not the language in which we were communicating ) stating they looked into the matter and balance was owed. still thinking this was about the promotional item I kept fighting them on it. eventually we made it to court and I brought all my proof of payments. it was there that I finally learned that the balance owed was for a balance transfer that was done the exact month after I finished paying off my promotional items. so I kept thinking I was paying on that this whole time and never questioned the balance transfer. the credit card given to me was not a visa/master it was just a regular department store issued card being serviced by XXXX. when I asked the attorney representing them where and how was this balance transfer was done, he was unable to provide me with more info. never was I ever told this this was not the item that I had continuously fought them. in the recordings I was never informed of this " balance '' transfer to have requested proof of how this was done. was it over the phone? was it check issued? and why would I be allowed to transfer another debt to a non XXXX credit card?. since I was never informed of this I was not prepared for this in court. evidently we lost the case and we are now to pay them the entire balance plus filing fees. I want to request proof of this balance transfer and how it was done, there must be a recording, signature, check issed something. i do n't know where to request it from at this point. im attaching the statement they sent and some of the proof that was presented in court. i strongly feel this is fraud and would like an investigation done. why did n't the collections agency ever bother to tell me this was a balance transfer and not the promotional item i had so fully fought them on? if there is any other information needed or questions please feel free to contact me, or if you can direct me where to start with this. 
my name is : XXXX XXXX, address at XXXX XXXX XXXX XXXX XXXX CA XXXX, cell : XXXX. portfolio recovery assc llc accnt # XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: We are in disagreement with Bank of America Home Loans on the denial letter for a loan modification received on XXXX XXXX, 2015. We believe that Bank of America is not acting in good faith on making this decision in our loan. Based on our current financial situation, we qualify for a modification under the Hamp Program Tier 1. We believe that we meet all qualification requirements for this program. In addition, The Net Present Value Data Input and Values Chart used Bank of America to disqualified our loan modification application is based on high predatory lending rate of 7.5 % when the current mortgage loan interest rate available on the open market is less than 4.5 %. Moreover, Bank of America stated that we have poor credit score, which is not the case because cur based on Bank of America NPV report our credit score is XXXX. In today 's credit score requirement any person can qualify for a XXXX XXXX, or FHA loan with less than XXXX score. We are here appealing Bank of America 's denial decision in our loan based on the above grounds, and we ask the Bank of America comply with all Federal, State and Local laws, and provide us with this information. We will submit copy of this complaint to Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, DOB XXXX. I received the letter from NationStar saying that they are accepting their errors about the missing payments and foreclosing the home ( see attach letter ). Even though, NationStar admitting their fault about foreclosing the property ; however, the foreclosure process is still active -- it has not been cancelled out the foreclosure proceedings -- the property is STILL in FORECLOSURE but put on hold. This is very frustrating for me since I am making all my payments ( from XX/XX/XXXX thru XXXX ) and foreclosure proceeding has not been cancelled. This is totally illegal and violating state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with CITIBANK, N.A. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In years past I had an account with Bloomingdales who was serviced by DEPARTMENT STORES NATIONAL BANK. I moved a few years back and in moving lost the debit card that my auto-pay account was linked to and having a new address, I never received a bill. I spoke to a representative from DSNB at XX/XX/2017 and explained the situation. In 5 years of having an account with Bloomingdales, I never fell behind until the move. During the conversation with the representative, she recommended that I write a letter to Bloomingdales Billing Dispute department explaining what happened and to ask for forgiveness and removal from my credit report altogether. I did in fact send the fax to XXXX on XX/XX/2017 at XXXX EST. 

I followed up with a call to XXXX on XX/XX/2017 at XXXX EST to verify receipt of the fax/request. I was told, yes, the fax/request was in fact received and upon further review, DSNB/Bloomingdales was going to honor my request and submit a complete removal from the XXXX credit reporting agencies. I then asked for an updated mailing address for the letter of removal because the address on file was my previous XXXX address. 

I received an alert via XXXX that the account was updated but the balance was reduced giving the impression the account remained open but now having a balance. In discovering I fell in default by checking my credit report at XX/XX/XXXX due to a credit card application being declined, I reached out to the agency handling my account and paid the settlement amount. 

I 've yet to receive the letter of removal that I was told to expect ( reason for the updated mailing address on XX/XX/XXXX ) and am confused as to why I 'm now being told that after being promised removal by DSNB, I 'm being told by Citi that it will show as a settled account. There is in fact history of my calls and showing the dates I 've stated and I 'm well aware that the calls are in fact recorded so there should be proof of the conversation and fax receipts. 

Attached below is the original fax that was sent on XX/XX/XXXX to further validate my request and need for communcations.

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 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: USAA - Master Card, several years ago CHANGED from a XXXX to a MASTERCARD. I never used it ( MASTERCARD ) and never wanted it. NOW, years later, their collections department is trying to collect a membership fee of {$45.00} by calling me once a day. 

I have explained this to many of the folks that call. BUT they keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Pinnacle Credit Services, LLC (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 Pinnacle Credit Services and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX 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 XXXX and my XXXX credit files are still showing this account despite the multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (OH).
Issue: Shopping for a loan or lease

Complaint: I approved the XXXX Dealership to see what % rate I was approved of from XXXX XXXX XXXX. 
The dealership auctioned of my car loan to several financial institutes that made my credit report go up XXXX points in less that 2 days.

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 10-05-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company is trying to collect a debt that is not mine. Company is showing a debt for a XXXX electric bill from XXXX XXXX. I have not had an account with this company since XXXX XXXX, and account was paid in full. I also have not lived at this address since XXXX XXXX. It was an apartment I was renting.

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 05-05-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Delinquent account

Complaint: After moving out of my uncles house I attempted to change my billing address on the Macys website. I successfully changed my address under my profile but paper statements continued to go to my old address. Upon getting old mail from my uncle I called Macys and they explained that the billing address was not changed, that there is a prompt button at the bottom of the profile change page to change your billing address as well. Not seeing said button I believed the address to be changed and will be attaching a PDF showing that contact info under my profile does not indicate a separate billing address. I have spoke to multiple employees/managers trying to resolve this issue but they have been very unhelpful bordering on rude. They claim that my email notifications should be sufficient. Since I normally do not use this card outside of macy 's I did not expect to have a balance and the email notifications do not indicate a balance is due. 
Do to their deceptive and fraudulent business practices and unwillingness to rescind the 60 day and 30 day past due reports to the various credit agencies, my otherwise perfect credit score was lowered to the effect of paying a much higher interest rate on a 30 mortgage loan. Essentially, a missed {$88.00} payment will result in my unnecessarily paying thousands of dollars more over the course of a 30yr. mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX XXXX they denial my claim for hurricane issues.

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 07/31/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I have tried to get a copy of the bill sent to me three times and not bill has been received. Also, I am not working due to being XXXX and tried to get a hardship form request to be sent out three times also. The rep 's advise they was going to send these documents on all three calls, but nothing has been received at this time. They have called and harassed me when I have advise them of my situation. I was on a payment plan, but all funds has been exhausted. Today I spoke with a Rep name XXXX who advise me there is no way I can get a hardship due to the payment plan I was on. Please help in this matter. My account number is XXXX with XXXX XXXX XXXX XXXX, GA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a breach of contract borrowers defense to repayment with documentary evidence. My student loans are in good standing with Navient. Navient refuses to place my loans in forbearance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CONSUMER PROTECTION ASSISTANCE COALITION, INC (TN).
Issue: Other service problem

Complaint: We received one call and then another call about 3 weeks later from a XXXX XXXX, Consumer Protections Bureau, telephone number XXXX, stating that I had won a total of {$580000.00} but could not tell me what contest of where the money was coming from. That the Bureau only delivered the money. I explained to him I knew nothing about this and did not think it was for real. He stated that I could give it to a charity and I told him that was fine, to send it The XXXX XXXX in XXXX XXXX, TN as this was a refuge for needy people and I gave him the address. He took all the information I gave him and said the check would be mailed to The XXXX. This was over a month ago but The XXXX has never received any check. Is this a scam and is this XXXX XXXX an employee of the Consumer Protections Bureau? If not, he is using your name. Thanks for your help in this matter.

Company response to consumer: Untimely response
Consumer complaint received 11-09-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Fraudulent accounts. 

There were numerous accounts opened for me without my authorization in the XX/XX/2015. At the time, and after a few months worth of transactions and fraudulent activity, I called and spoke to a representative that helped me close them. I did n't think too much of this situation at the time, but in light of recent news I will be scrutinizing that period of activity closer and looking for higher accountability and better options. 

I have a few of the banking statements from this period, but will be requesting a complete history as, curiously, the 2015 statements are not available online even though I marked this as my preferred communication method. Additionally, I will be gathering more information and reviewing this situation with friends and colleagues. And finally, to compound the issue, my personal information was compromised around this time and numerous credit cards were opened and/or manipulated without my knowledge or authorization. I ca n't say the two are related, but the timing is suspicious. 

XXXX

Company response to consumer: Closed with explanation