milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX Dear CFPB, XX/XX/XXXX, I took a few loans out to cover the cost of my 1st two years of college. The loans were ( XXXX ) Direct Loan - Subsidized, Direct Loan - Unsubsidized, and a Stafford - Unsubsidized. We were told these were all a fixed interest rate. However, it seems that they have increased throughout the years. We originally took out {$13000.00} ; this will exceed well over {$18000.00} by my paid-ff completion date. Next, I had another issue XX/XX/XXXX with Navient regarding a deferment. I took 1 semester off of college, which is perfectly fine to do as long as it does n't exceed that time. During this grace period, I received letters from Navient ( XXXX XXXX ) saying that I have to start paying back my loans. I called and told them that I am just taking a semester off and that I will be returning the following semester ( Which i did ). I was assured that everything would be taken care of, to disregard the incoming bills, and that this would not effect my credit in anyway. In the end, nothing was handled, and it was turned into my credit as a default. This hurt my credit tremendously and I 've been battling to get it up ever since. Naivent did not provide the correct information to my credit reporting company therefore my credit suffered, ultimately costing me thousands of dollars throughout the years. I believe I will be getting a lawyer to help with this issue and help retro pay me for any inconvenience I 've had to experience throughout the years I 've had to deal with Navient. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my house went into foreclosure, The original attorney for America 's servincing co. was a XXXX XXXX XXXX who was disbarred. After going to court several times and not getting nowhere I filed for bankruptcy in XXXX XXXX, In XXXX XXXX I entered into an Home Affordable Modification Trial Period Plan. In XXXX XXXX I was given Loan Modification. My interest rate went from 8.800 % to 8.675 %. I was also given a deferral of principal of {$150000.00}, with {$51000.00} taken off each year for three years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: debt was included in BK XXXX they are continuing to collect a debt that I have been relieved from filed in XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Credit line increase/decrease

Complaint: Discover card lowered my credit line on or about XX/XX/XXXX without any notification, causing me to incur fees for rejection of automatic scheduled payment. On or about XX/XX/XXXX Discover had sent me an e-mail asking me for income information, which I supplied. I called Discover on XX/XX/XXXX when I learned of the credit line reduction and they claim to have mailed me a letter regarding the action, I have recived no such letter. I have had this card since XX/XX/XXXX with no late payments, missed payments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been sending extra money to Ocwen to be applied to my principal balance, yet they continuously fail to do so. Ocwen sent a letter to my attorney alleging the issue had been resolved ( see letter ). 
Yet, money is in suspense, as opposed to being applied to my my principal balance. They claim my next payment is due in XXXX XXXX, however, it all of my extra money has been applied to my account-then my payment is due for XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (GA).
Issue: Struggling to pay mortgage

Complaint: I am trying to the best of my ability for a XXXX year to save my home. I have lived in this property for over twenty years and want to continue to remain here the rest of my life. I would like to receive a reasonable modification but have been told that I have to pay the arrears of {$21000.00} which I am unable to do. I deeply fill I am discriminated against. I need the mortgage company to work with me. I fell behind due to a loss of income, illness myself and partner plus a major home repair that had to be taken care of. All is well now and I am able to pay my adjusted modification mortgage when given. I am working plus my monthly Social Security is enough to take care of my mortgage, I am asking for your assistance in the handling of this matter as soon as you can as I don't want to loose my property. Thanking you in advance, Kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax is reporting a number of inquiries on my credit file that i did not request or authorize. I filed a complaint with the FTC ( form attached ) and i would like the following Inquiries deleted from my credit file Company Inquiries : XXXX XXXX XXXX XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX Open Road Lending XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am called at least once a day, frequently multiple times a day, by Portfolio Recovery Associates, always from a different number. I do not know what debt they are trying to collect as they will not make any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both XXXX XXXX and Equifax show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX loans I consigned with XXXX XXXX ( nephew ). 
I have set up repayments for XXXX loans Loan NumbersXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. I have the payments at twice the minimum amount due to pay loans off asap. 
Bill pay is set up to be received on due date, on XXXX 2016, I recieved a letter stating loans are past due. I called XXXXNavient to see where the problem occurred I spoke with a disinterested employee who told me my payment was late. I escalated to a supervisor who seemed to be equally disinterested in understanding the issue and simply said he would waive the " late penalty ''. 
I called Navient back with my bank on XXXX XXXX and spoke wXXXX who seemed only interested in telling me that he understood, yet I was still late and my payment of {$100.00} was split between XXXX loans. Did not seem to care or hear, although I repeated myself about 10 times that over the last four months I have sent them a total of {$1200.00}, yet they are only crediting the loans with {$400.00} payments, accuring interest and late fees. My bank has sent NavientXXXX with proof of payment, yet I just got off the phone with " XXXX '' who seems to be a reject from the IRS, who kept repeating his Scriptnot acknowledge anything I had to state ... but was sorry for my frustration and continued to ask me to repeat my self. 

I want, IN WRITING, a letter from NAVIENTXXXX an accounting of payments made on these loans and the interest charge on any " outstanding balance '' and late payments removed from these loans, PLUS I want credit for my time to correct this, I make {$25.00} an hour and have spent 3 hrs spinning my wheels with these less than professional employees.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Judgement appearing on my credit report for Experian and XXXX. The Judgement was a court battle in which I had to pay my ex, attorney fees. This is not against me from a billing collector. Payments were not late and I paid the full amount as soon as I received the order. The Judgement was satisfied asap and was for attorney fees. I have no idea why this " Judgement '' from a child support battle would appear on my credit report or why my custody payments appear on my credit report. 
Thank you for any help.

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

Complaint: On XXXX XXXX, XXXX at approximately XXXX PM, I became aware that credit report may have been involved in a hack, leaked, and is currently compromised through Equifax. They gave me no notice or warning and I was lucky enough to see a warning online.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 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: Information is missing that should be on the report

Complaint: For months I 've had an account with XXXX XXXX, which XXXX and XXXX have been reporting. TransUnion still has failed to report it on my credit report, even though XXXX XXXX keeps sending them the information. Please take care of this error of not reporting this information. 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 explanation
Consumer complaint received 12/26/2017 about Debt collection (Medical debt) with Stallings Financial Group, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Stallings financial Group of XXXX Georgia put an erroneous collection item on my credit report. I disputed this through XXXX and the collection agency reaffirmed that I owed the debt. I contacted the original creditor, spoke with their business office and billing service and both confirmed that I was not in their system. I attempted to contact Stallings Financial Group and was unable to reach any individual. This collection agency is located as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX. 

I noted that several other people have had similar experiences with this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX 2017 three fraudulent withdrawals were made from my account. A total of {$7000.00} was withdrawn from my checking account. I immediately contacted Bank of America to inform them that the transactions were fraudulent and submit a fraud claim. My claim has been denied despite the fact I have supplied evidence proving that the could not have been made by me and are therefore fraudulent. I am happy to supply this evidence to you if it would be helpful. My understanding of Reg E is that my liability as the victim of fraud is capped at {$50.00}. Bank of America continue to refund my money despite my repeated efforts to resolve the matter.

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 02/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Fixed Mortgage Loan in the amount is XXXX I have been paying Mortgage Insurance Premium ( MIP ) {$670.00} The Mortgage company did n't remove the MIP when a reached XXXX % of the mortgage loan. According to the MORTGAGE INSURANCE ANNUAL DISCLOSURE Automatic Termination of PMI : If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach XXXX % of the original value of the property. If you are not current on your loan payments as of that date, PMI will automatically terminate when you thereafter become current on your payments. In any event, PMI will not be required on your mortgage loan beyond the date that is the midpoint of the amortization period for the loan if you are current on your payments on that date. 
I Reached XXXX % on my loan {$89000.00} back on XXXX XXXX, 2013 XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX The Balance in my house is {$24000.00} and I am requesting the full refund of my MIP overpayment since I reached XXXX %. 

Thank you in advance for you help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NJ).
Issue: Making/receiving payments, sending money

Complaint: SUBJECT ; MY FEDERAL SOCIAL SECURITY DIRECT DEPOSIT : AND MONIES DUE BY DIRECT DEPOSIT ON XXXX XXXX TO MY NEW BANK : ALLY BANK ACCOUNT NOW CANCELLED BY ME, AND ALSO ; PROHIBITING ALLY FROM " STEALING MY FEDERAL MONEY, MONEY TOMORROW WHICH ALLY BANK HAS BEEN PROHIBITED BY ME FROM ALLY RECEIVING THAT AUTHORIZATION. AND " STEALING '', FEDERAL MONIES NOT YET SENT TO THEM, AND THEY HAVE ACKNOWLEDGED THAT I CANCELLED THEIR ACCESS, NOR AUTHORITY BY ME TO RESTRICT ALLY AND BY AUTHORITY OF THE XXXX. THE FEDERAL SOCIAL SECURITY XXXX. I HAVE SENT A FORM XXXX ON XXXX XXXX WITH THE FEDERAL FORM SUBMITTED ON XXXX XXXX TO AUTHORIZE ANOTHER BANK TO BE PERMITTED/AUTHORIZED TO RECEIVE/DEPOSIT THESE MONIES. 
ALLY BANK : IN COMPLAINT XXXX CLAIMS THAT A COMPLAINT BY ME ABOUT A CHARGE ON MY ACCOUNT IS STILL IN PROCESS. THEIR LATEST E-MAIL, OF XXXX XXXX ADVISES THAT THIS COMPLANT ON A CHARGE ON MY ACCOUNT IS DECIDED BY THEM IS CORRECT AND FINISHED, AND I AGREE THAT IT IS FINISHED WITH THEM, WHILE I RESEARVE MY LEGAL RIGHT TO PURSUE THIS MATTER IN THE COURTS NOT ALLY BANK, ALLY HAS ASSESSED MY ACCOUNT ON THIS CHARGE. AND FINISHED THIER INVESTIGATION ON XXXX CHARGE. THEREFORE THIS MATTER IS CLOSED. I DO N'T CARE IF THEY KEEP THIS ACCOUNT OPEN DESPITE MY WRITTEN NOTICE OF CANCELLATION, MY COMPLAINT IS REGARDING MY FEDERAL SOCIAL SECURIITY MONIES THAT HAVE NOT YERT BEEN SENT TO ALLY BANK. THIS DIRECT DEPOSIT HAS BEEN RECINDED BY ME TO THEM AND ALL THE NECESSARY AND FEDERAL LEGAL FORMS PROHIBIT ALLY FROM STEALING MY FEDERAL MONIES ON XXXX XXXX. 

PLEASE HELP ME WITH THIS SOCIAL SECURITY MONIES THEY ARE TRYING TO STEAL WITH ADVISING THAT I CAN NOT CLOSE MY ACCOUNT WITH THEM. FORMS

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 07/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been waiting 4 months for this company Fedloan Servicing to process my IBR application. I faxed my original application on X/XX/17. Approximately 1 month later I received a letter in the mail stating that my application was not processed because it was incomplete. I called the customer service line and asked what was missing from the application and they stated that page 3 was missing from the application. On X/X/17 I faxed page 3 to Fedloan servicing. I called the customer service line again and asked if they received the fax. They said yes and stated they would begin processing my application. Yesterday, I received a bill in the mail in the amount of XXXX which is outrageous. I called Fedloan Servicing again and inquired about the status of my IBR application. The customer service representative informed me that my application had not been processed because I did not fax all the documents together in one fax. Since I faxed page 3 in a separate fax they would not process my application. This is ridiculous. Over the past 4 months not a single employee of this company informed me that all documents had to be included in 1 fax. Different employees will give you different stories when you call them on the phone. Multiple employees told me it was perfectly good to submit the missing 3rd page by itself. I now have another employee telling me that all documents must be faxed together. Why is it so hard to take the page 3 fax and add it to the other pages and complete my application?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been unable to get in contact with Carrington Mortgage LLC, services of my mortgage loan. I used to have XXXX, and XXXX sold loan to Carrington Mortgage. I googled Carrington and they have over XXXX complaints, worst customer service ever. Here is my issue. On XXXX/XXXX/16 I cancelled the remaining portion 1/2 payment mortgage check for XX/XX/XXXX. I cancelled that check and reissued another in {$880.00} amount through XXXX bill pay. The check was sent on XX/XX/XXXX and I know Carrignton Mortgage received it XXXX. XXXX gives it a deliver by date of XX/XX/XXXX. The check still has n't cleared my account as of XX/XX/XXXX and it usually does immediately within 1 day. I want to make sure that Carrington Mortgage does NOT say my check is 30 days late and report to credit bureaus. Full mortgage was received by them within the 30 day allotted time allowance. I 've searched and saw where Carrington Mortgage will falsely indicate 30 day late on credit report and I CAN NOT HAVE THAT. So I 'm trying to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: BBVA Compass reported to my credit a derogatory charged off loan even though the vehicle was paid off in an insurance claim. They have lied and ruined my financial status, I have been denied credit and have spent over 100 man hours trying to get this banking institution to fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America. I was told that when my home equity loan was paid in full it would be reported that there was no late payments. The 3 month payments that were reported as late was the time Bank of America took to mark my account PAID IN FULL. This should be removed from my credit report. The second Bank Of America is my loan modification in which I was making payments to Bank of America on a trial modification. Bank of America waas to remove from my credit report these lateness reports. I would also like this removed from my credit report. The XXXX report that is wrong is XXXX, this was reported wrong as being late. I cosigned a student loan and my step son is still going to school and the payment was suspended untill he graduates. They reported the XXXX payment in arrears even though I paid them on the phone.I never received a notice from XXXX about this lateness. I also need this report removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: XXXX   XXXX  i lost my chase credit card at my sister house but later figured that my card was missing i did n't think anything of it because i got my card back. I noticed when i checked my online account and call the company they said my account was closed. I got my card back  XXXX   XXXX  after fake checks was placed into my account i called my chase company when i got my card back they said they closed my account because of the fake checked but i ca n't reopen a account with them because of that i want to reopen an account with chase after my pin to the card has been changed and i want to get a new card but they wo n't reopen the account unless the fake checks has been cleared

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX reports my loan in default but in fact it is current with XXXX. I have disputed this several times..

Company response to consumer: Closed with explanation