milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted Bayview Loan Servicing XXXX on several occassions to request that their records be updated to reflect my current loan status. The company has recently refused to speak with me or provide account information. The company has also failed to remove erroneous data from my credit reports. A copy of my recent correspondence to Bayview with more details is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I reached out to XXXX XXXX and later, Navient, to try and consolidate my private loans with them ; however, every time it was met with absolutely no help or solutions to help me in repaying my loans. I literally send them {$100.00} a month just so it shows I 'm making an effort, but it 's doing nothing to help me actually pay the debt off. It 's ridiculous that they make it so hard for people trying to do right and pay back their student loan debt. My federal loans are through XXXX and it was extremely easy to consolidate all loans into one payment that I can afford and pay back so it actually does something for my loan balance. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Having a hard time due to medical bills so I called Capital one to ask if they would let us skip a pmt. I talked to XXXX who said they had a hardship program that would let us skip payments for 3 months without extra fees etc : I said great. She said I would receive notice ( did not ) tried to call her back on XX/XX/17 could not reach her. Talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, ( no help ) finally talked to XXXX said her # was XXXX said she would pull the recording and someone would call us within the week. No Calls.She was a supervisor with special assistance dept. We also noticed they turned us in to credit for late pmt. On XX/XX/XXXX we got in touch with XXXX Senior account mgr. who said that if we would pay XXXX he would take care of the problem wave fees pull the bad credit report and get us back on track since we have never missed a pmt in way over 10 years with them. We made the payment and found out they applied {$400.00} to fees and interest and did not remove the bad credit report as promissed. We tried and can never get in touch with any of the people talked to. They recorded the conversation when XXXX told me about the 3 month program but I guess won`t pull it up. Thanks you if you can hellp us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/12/2017 Its reporting on my credit that someone checked my credit. I havent applied for any new accounts or credit cards today. It has also affected my credit score by dropping it by 3 points

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 12/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Credit decision / Underwriting

Complaint: I have had multiple issue 's with Nationstar Mortgage. My new and most current issue is my credit report. I sold my house almost 4 months ago. XXXX XXXX 2015. I recently applied for credit for my next home, only to find my credit report shows the whole outstanding balance from my previous home. They never updated/turned that information in. This has brought on additional headaches.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX I cancelled XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items they sold this " account '' to XXXX XXXX   XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX In XX/XX/XXXX XXXX XXXX put this nonsense on my credit report, but did not bother to assign it an account number. I can't dispute this without an account number and the length of time it takes for something to fall off of a persons credit report started all over at that time. From what I can tell they can just keep selling this and the new company can just refrain from assigning an account number and I can never fight it. Therefore I will be saddled with this forever. This should be illegal. I am asking for your help with this 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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've called Toyota Motor company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX 2017. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have duplicate accounts reporting on my credit report. Contacted Navient on numerous occasions to correct the issues. And all I 'm getting is the run around. I went as far as to emailing the XXXX XXXX XXXX. In return he forward my information to a woman from their student advocate department. By the name of XXXX XXXX who lied and gave me nothing but the run around. At this point I 've had it with XXXX and their shady business practices. I have attached email conversation between XXXX XXXX and XXXX. Where you can clearly see her giving me the run around and her making promise that where never kept

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job in XXXX I called Nationstar to tell them. They said to make payments when I could. I was unable to. I had a problem getting unemployment & assistance. In XXXX XXXX I got full time & called to tell them I had received full time & would be able to make payments regularly again. I later learned it was the day after I called, they foreclosed on me. But, unaware at first of my foreclosure status we discussed a loan modification. It took them from XXXX to finally sort out & finally accept my paperwork making me redo & resend documents several times. Made a payment in XXXX XXXX ( got sent back 3 weeks later ). XXXX XXXX XXXX payment, they kept that. When I went to pay XXXX I was unable to. I was told my modification packet had expired. Needed a new XXXX every 90 days. In XXXX I spoke to a law firm that said it was up to me weather or not to pay them. That I could wait til I 'm served & they would handle it from there. On XXXX I sent in a modification packet, I called on XXXX to check in the status I was told at that time my home was to be sold at auction on XXXX. I was told all through out this time there was nothing to worry about, no sale date, I was even told by XXXX representative to go ahead & put a new roof on my house ( I did not do that ). I called the courthouse I was told they tried serving me but they did an avoidance waiver on me. Apparently, I 'm not allowed to work. I was then informed the man I bought my house from 15 years ago & have n't spoken to since was served. When I asked why he was served no one could answer that question for me. I still do n't know why til this day. So, the court went ahead because according to them someone involved in the case had been served even though no one had. I was sent a letter dated the XXXX from Nationstar saying if they had received my packet 15 days prior to the sale date they could have helped me ... they received it 14 days. Since then I have not received an eviction notice, but the new owners have started renovations on the home with some of my property still in it. I lived in that home for 15 years & paid on time until I lost my job. I am lucky to have a place to go with my XXXX yr old daughter, many are not quite so fortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a loan modification with XXXX XXXX XXXX through a lawyer and a specialist in modifications. Multiple meetings and all paper work was submitted and a final meeting with XXXX XXXX XXXX was held to approve the loan modification, and which was attended by a lawyer where XXXX stated the modification would go through. A few weeks later, XXXX had " sold '' the loan to Nationstar. Nationstar subsequently informed us that they do not modifications and moved to foreclosure on our house. We filed Chapter XXXX to stop the sale as soon as possible given the fact Nationstar suddenly moved against us, and filed a judgement against us and 100,000s of dollars of fees - this is after XXXX had already agreed to loan modification. In Chap XXXX, we have paid and agreed amount to a trustee which Nationstar has cashed. Nationstar has stated on the record that they are not allowed to do modifications. That is completely false, as Nationstar is required according to the agreement as filed with the SEC to continue any pending modifications. They have stated again that the " investor does not allow modifications. '' In discovery, Nationstar submitted the MSA " proving '' their case, regardless of the case that the sale of mortgages from XXXX to Nationstar required modifications. The MSA they cite as evidence ONLY states that modifications are not allowed according to Remic rules. But Remic rules DO NOT prevent modifications. 

Nationstar has completely falsified and lied about the situation and they are lying that are not allowed to do modifications.

Company response to consumer: Closed
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On my Citi card account I made two payments over the phone with customer service. I was told the payment did n't go thru. I made online payments with no problems, they always went thru. I made an online payment to bring the account current. Without contacting me about the account being closed, they just sent me a letter announcing the account was closed because of those two over the phone payments which they said they presented 3 times each. My bank said they have no record of those two over the phone payments ever being presented for payment, not even once, let alone 3 times each. For the last two months I have been trying to straighten this out. I have been told my complaint would be reviewed and someone would call me. No one has called me other than their phone customer service people wanting me to make a payment over the phone. I have informed them that when the account is reopened or a new card of the same type with the same benefits with the old balance transferred to the new card, and everything is restored to where it was, the way it was, then I would resume making payments. Until then I will make payments into a separate saving account so when they have corrected this mistake, I will forward all those payments and bring the card current. I did everything the way I was supposed to. I did nothing wrong and yet I am being punished and seriously inconvenienced. Since my bank has no record of the payments in question having ever been presented, it would seem my bank did n't do anything wrong either. And yes, I do want this published on consumerfinance.gov. Thank you in advance for your help in resolving this matter. Oh, and there better not be any credit report repercussions either, since I did what I was supposed to do.

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 07/29/2015 about Consumer Loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (SC).
Issue: Problems when you are unable to pay

Complaint: A representative from SOCO Finance knocked on my apartment door at XXXX on XXXX XXXX, 2015. The representative continuously knocked for ten minutes and then placed a letter in the door. The knocking frightened my children as they were uncomfortable with someone knocking on the door at late hours and caused my dog to bark ferociously. Our apartment has a sign that states no soliciting and therefore there should be no one knocking to solicit any information especially at such late hours. I called SOCO Finance at XXXX on XXXX XXXX, 2015 to speak with the manager. I spoke with XXXX the manager concerning the issue. He said that he will continue to come to our house at such late hours and will come again tonight. He was very unprofessional during our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to TransUnion Credit Bureau. This is my third time reporting this company. The company is XXXX XXXX XXXX. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.

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 07/22/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Problems caused by my funds being low

Complaint: I am a military member of navy federal credit union. I was looking for a part time job, and was contacted via email on a at home job offer. I was mailed a check for suppliessupplies I deposited the check in my account at the local navy federal, and was given the direction to send a XXXX to the supplier. Not realizing it was a scam due to my hopefulness and being excited about bringing in some extra cash. Once I realized that it may have been a scam I contacted navy federal. They informede there was nothing they could do till the checked cleared as fraudulent. So security locked my account, and told me to come back in a week and they would see what they could do. A week goes by and my account goes - {$2800.00}. The check was indeed fraudulent. I went to the bank and asked if I could make some type of payment arrangement because I could not afford paying that amount back. They told me no, I 'm responsible for the charges and there is nothing they can do to help. I spoke with a XXXX XXXX bank and they said navy federal should have been able to tell the check was fraud before they allowed me to cash it. And I specifically remember the bank teller being unsure of the check and asking her supervisor about it but the supervisor said it was fine. I understand my mishap, but navy federal bank tellers are horribly trained to look for these fraud checks. So now I am behind on all my bills on my navy federal account which includes my car loan personal loans and credit card and line of credit. I was already financially struggling, now I 'm in a black hole. Navy federal will not do anything to help me. Now with no money because I did not receive my last check because it went to the negative balance, no money for next check, behind in all my bills including rent with no help from anyone. How is it that navy federal has no protection for there military members and families. How is it that the people that serve your country can end up homeless and hungry, and in even more debt because of a scam, and their bank not care. I understand my fault, but being in the military I forgot about the scumbags in the world that prey on innocent people looking for a better chance in life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I currently subcribe to Equifax Complete Premeir Plan where i am supposed to be able to update my report and score daily, but from    XXXX   XXXX  -    XXXX   XXXX   XXXX     I was unable to update my score and report and kept getting and error that it was unavailable. I repeatedly called to get help and was never able to access my report on my own. On   X/XX/17     a rep updated my report and told me that I would be able to from that point, but I was still unable to. I called  one  more time and kept getting push back from a rep saying that I was only supposed to refresh every 30 days and I kept trying to explain to her that was not how to he plan I had worked, until I finally had to request a supervisor who then tried to resolve the issue with no success. She Stated that she would put in a ticket. I was also not able to obtain my report using other reporting companies like privacy guard or credit karma. My Equifax file would never update or crossover. Finally on   X/XX/17     it updated on credit karma which it had not updated since    XXXX     , and all of my credit files were removed. I then tried to refresh on Equifax and still was unable to until about  XXXX  CST. And all my files there were removed as well except for  2  files. My files did not return until   X/X/17     when I updated my report, and then there were all these inquiries from  X/XX/17  XX/XX/17  that were not mine. I tried to resolve with Equifax to no avail. And they still ca n't tell me why my files were removed. They kept saying that I requested, or the creditor removed them, which makes no since. If I requested them removed and they removed them why place them back. And all of the creditors did not band together to remove at one time. Please remove all inquiries during this time of Equifax glitch. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in XX/XX/XXXX. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.

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 05-01-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Collections Account s Skim d iscover after conducting an investigation in conclusion this account is a result of identity the ft 1. This  account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same deb t 2. Another t hing to note as   is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.
3. When I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by Equifax 4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA form when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation