milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Trouble during payment process

Complaint: I am in a Forebearance Program because Florida was declared a state of emergency due to Hurricane Irma XXXX/XXXX/XXXX. I applied for the Forebearance protection and was told that late payments would not be reported to the credit bureaus for the next three months starting XXXX. 

I was advised today that Citimortgage has reported me for late payment for XXXX and XXXX which has adversely affected my credit score by 120 points. I have also accrued a late fees of XXXX. 

I called today and was advised by XXXX a manager that they did not know when this would be resolved, it may take up to two billing cycles. I also e-mailed the CEO, XXXX 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 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My name is XXXX XXXX. XXXX XXXX, I graduated with a XXXX Degree in XXXX XXXX XXXX XXXX. My school promoted something that they never delivered. That was the promise of a job after graduating. Unfortunately when I was into the program the Dean was demoted and the staff did not care about the students. There were no XXXX programs and the staff did not help me find an XXXX. The upshot is that I am earning a low income. I have made a good faith effort to repay my loan at a monthly rate I could afford. Going back to when Navient was XXXX XXXX I had been mislead and hurried by unprofessional and dishonest XXXX XXXX reps. They have obscured information on my payment options. I do n't have the exact dates regarding the grievence I am going to address. However, I would be happy to give my account number to track them. This was around three years ago. I had trouble paying the {$110.00} on my loan. I asked the Navient Rep to defer the loan a couple of months. Instead he aggressively pushed me into a loan where I pay {$64.00} for two years and that it will go up. He stated that this was the best plan and that there were other opportunities to keep a monthly payment after this period. This was totally dishonest. He obscured information on interest only payment which would of been less than a {$100.00} a month at the time. Instead after two years my interest with principle skyrocketed. Last XXXX I called Navient. My monthly payment went up to over {$200.00} that makes it impossible to repay this loan in good will. Now I am in a position where I have to defer my loan because Navient 's information resulted in higher monthly payments with interest. I am in an economic hardship position. My annual XXXX income was around {$27000.00}. My cost of living bills include leasing a car for transportation, rent that keeps rising, car insurance, credit card, medical insurance, electric, phone, food, and dental.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: As of XX/XX/XXXX I filed a Bankruptcy Chapter XXXX in XXXX, Texas Federal Court and  Bankruptcy chapter XXXX was discharged on XX/XX/XXXX in which during this time Prestige Financial approve my car loan. 
Since XX/XX/XXXX Prestige Financial stated to me that I was going to get a lower interest rate lower than 17 % and is XX/XX/XXXX and nothing has been done to lower my interest rate and my loan balance keeps rising. 
Also I had a family XXXX in XXXX inXX/XX/XXXX and I could n't make a payment for XX/XX/XXXX and I explained the situation to Prestige by emails and they did n't want to accommondate so I can help my family in XXXX . 
I respectfully asked Prestige administration to put the payment of {$440.00} on the back of the loan and Prestige refuse to do it. Prestige stated that I have to wait for XX/XX/XXXX to get another exempt on payments. 
Now Prestige has me in collection of {$970.00} I told them that I can only pay {$440.00} for XX/XX/XXXX and that 's all I have. 
If I do n't pay the other {$440.00} they will put me in collection and repossession of my vehicle that I need for my XXXX XXXX XXXX with my doctor. 
I am XXXX XXXX and Retired. 
I am sending Prestige statement documents and my payments is {$440.00} a month in which I receive a letter agreement from Prestige Financial. 

Very Urgent Matters

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: In XXXX 2015, I submitted my payment to Macy online and by the time it was submitted a late fee was imposed. However, I quickly contacted Macy 's later that morning and spoke with a representative. The female representative assured me that the late fee would not be added and I owed only {$34.00} and some change. I paid the entirety of the bill in which I should have a XXXX balance in which was confirmed by the representative via phone. At the end of the month I received a letter from the company claiming I owed way more in which I did not. I was appalled and confused because I have one person assuring me of a XXXX balance and a letter stating another. This was the XXXX! I contacted Macy 's customer service to be treated horrible and the rep talked over me and argued with me as if this was my fault. I was amazed of the lack of care of this rep who failed to show some concern, but all he cared about was the money owed erroneously. The XXXX speaking gentleman hung in my face and I called back and a nice rep answered and tried to assist me and trying to connect me to a supervisor, but was sadly disconnected. By this time I had given up. I was upset because not only was I provided with assurance my bill was paid in full and any additional fee would be cleared, if any. I am sad to learn that their practice lacks care or empathy toward a promise made by one of their own employees. I paid the {$120.00} in which {$94.00} should be refunded ( approximately ). In addition, I know another individual that is experiencing the same issue. I would like a refund and an apology. I have sent Macy 's electronically a message, but yet to receive an apology or a follow up on what happen and how I was treated is my main concern. A promise is a promise and I would like a refund ASAP and any late fees removed from my credit report, immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, 2016 I took out a loan of {$2600.00} from CASH NET USA with a payment of {$450.00} per month and an interest rate of 185.76 %. I am retired, XXXX years old and on a fixed income. I can no longer make these high payments. I have attempted three times to set up a payment plan with CASH NET USA and they have refused to work with me. 
I borrowed {$2600.00}, have paid {$910.00} to date and my balance as of XXXX/XXXX/16 is {$3100.00}. 
I am asking for a payment plan that calls for a payment of {$50.00} per month with no further accrual of interest. I will then be able to pay the account off over a series of months. 
Please intervene for me to set up a payment plan that I can afford. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report is inaccurate, I have tried numerous to contact XXXX, XXXX, and Experian to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.

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 05/27/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Within a span of almost two weeks, the subject caller has placed several calls to my cell phone and home phone numbers from various local area codes, even tough the company is located in XXXX, WA. In addition, the company has failed to provide the 5-day notice as required by the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have sought income based payments. The majority of my loans qualify for the income contingent repayment plan. A very small number only qualify for the income based repayment plan. Nelnet has placed all of my loans in the more expensive income based repayment plan even though it is not the best option for all of the loans. When attempting to correct I am told our calculator says you belong in income base repayment and unable to get anyone to listen and look at it beyond plugging numbers into a computer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with DISCOVER BANK (IL).
Issue: Other

Complaint: This happens REPEATEDLY. Discover shows a current balance online that does n't reconcile with the information for the account. Amounts that were in the " pending charges '' section disappear and get added to the current balance WITHOUT placing them into the " posted activity '' section. Therefore, when I log into check my activity, it does NOT reconcile. I have to call customer service, and they read from THEIR screen, the charges that they have made disappear from my screen when I am logged into my account. I do remember the accounts, but this is not how to do business. If they know the amounts so that they place them into the current balance, then they should be able to add them to the posted transactions section so consumers can see it on their accounts. Not to do so amounts to fraud, as far as I am concerned. As I said, this happens FREQUENTLY with Discover. It is wrong, deceptive and misleading. They need to add charges to posted activity if they are going to list them as current balances. Please investigate this and let me know why they are doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Contact Transunion about a glitch that they had in XX/XX/XXXX they deleted my collections and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX but he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXXXX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX , ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX, ,XXXX XX/XX/XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}

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 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Reflecting incorrect payment status. Have been on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Auto) with Auto Properties II, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX bought a contract from Hampton Roads Finance Company LLC, that the original Creditor Hampton Roads Finance Company LLC had Written Off Profit and Loss with a {$0.00} balance. Hampton Roads Finance Company LLC only reported accurately to XXXX. Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor Hampton Roads Finance Company LLC only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor Hampton Roads Finance Company LLC shutdown as of XXXX XXXX. How can Hampton Roads Finance Company LLC continue to report fraudulent account activity to XXXX and XXXX. Also, Hampton Roads Finance Company LLC can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX XXXX, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. Hampton Roads Finance Company LLC was Removed from my XXXX Credit Report on XX/XX/XXXX with a Balance of {$0.00}.

Company response to consumer: Untimely response
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Student loan (Non-federal student loan) with Genesis Lending (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX College, a XXXX College in 2012 and was set up with a private loan through Genesis Lending. As well as a Federal Loan. I received no state help and left responsible for a large balance, attending a school that treated their students with no respect. They were welcoming and polite when recruiting you to attend their school but once they stuck you with a large debt and received their money, the politeness was out the door. There were so many promises and guarantee 's made with no follow through. I struggled to make the payments while I was in school, this was something I was not informed of until I started receiving bills and told if I did not pay or made a late payment I would be pulled from class and not allowed back until my account was up to date. Any time you showed up a few minutes late, miss a day due to a funeral or when I missed a few days due to an illness in which I provided a doctors note XXXX, I was threatened to be kicked out and the administration always brought it back to how much money is being provided to us for being there. I finished with straight A 's and a huge debt I struggle to pay but make sure I never default so my credit stays in tact. Dealing with the lender has been a nightmare. I am set up for auto pay to avoid dealing with the lender. Often they do not pull on the scheduled date which turns into many calls in XXXX day harassing me to pay my bill. It 's not my fault they 're system is messed up and I do not appreciate the calls. Multiple times they charged my account XXXX, they point the finger and claim to not be able to reverse my payment. My interest rate is ridiculous. I was told the lowest they ever give anyone is 12 % no matter what your credit score is. I 've contacted the school many times to receive paperwork they 'd promised to provide and after many attempts, they have yet to deliver my request. I recently received a letter that Genesis is transferring my loan over to XXXX. I would never recommend anyone to XXXX Colleges.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Repeated denials for Discover bank cash checking account. The reason are stating   XXXX   XXXX   has something blocking an approval for their checking account.   XXXX   XXXX   customer service has stated their is no derogatory information and that I have a clear report. DISCOVER BANK stated to apply again and denied again for the same reason   XXXX   XXXX  . My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Other mortgage) with UNITED SECURITY FINANCIAL (UT).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and were in the middle of a short sale when we received notice that our home was in auction, soon after we received another letter stating that we had to move out due to out home being sold. 
Horribly upset since the bank would not except ANY offers we had and a short sale VS forclosure is a little better but WHAT DO YA DO! 
No choice we moved. 
A while Later went to get a car only to find out that the forclosure is still showing open? 
= higher intrest. 
I have spoke to United security Financial several times who referred me XXXX, LLOOONNGGG story short ending up full circle every time! Right back to United Security, EVERY TIME! 
both my husband an I on different occasions have stopped by their rediclouse, god like, draped in gold, silver, crystals and $ $ $ facility, they said they would get it taken care of ... 
long while later went in to get another loan only to find out it is STILL showing open. 
Received that loan too but yet again keep getting a higher intrest rates.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed SEVERAL times with Equifax and with this company reporting 33 items on my credit file which are as follows 29 ITEMS ALL LISTED THROUGH XXXX XXXX ALL FOR XXXX 4 ITEMS ALL LISTED THROUGH XXXX XXXX FOR {$150.00} I DO NOT OWE THIS COMPANY ANYTHING. I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection agency has false information on credit reports dated from 2015. The acct they are requesting is not mine. ( Trident Services )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2015 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Credit Limit Decrease ReportedSince your last update on XXXX XXXX, 2015, XXXX credit card limit has decreased on your credit report. 

Credit Card Balance Previous Limit New Limit Change {$0.00} {$1000.00} {$200.00} - $ XXXX BANK XXXX XXXX Reported By EquifaxYour overall credit card limits have decreased to {$6400.00}. 

Your credit score, and all credit and loan info are provided by ( C ) XXXX XXXX XXXX XXXX XXXX | All Rights Reservedi am alleging racial discrimination was a factor in TD BANK GROUP XXXX XXXX decision of decreasing my credit limit by {$800.00} on or around XXXX 2015. 

There decision was arbitrary and capricious.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with ERC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC had been contacted along with their client ( XXXX ) on numerous occasions in attempt to resolve this issue, but my efforts have been all but ignored and this false negative report is and has prevented me from getting the needed credit and FICO score to obtain any new credit for me personally or my business. Now this is and has been leading to ongoing losses in my business and personal 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 07/17/2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I pay on the auto loan the  XXXX  amount between very end of   XX/XX/XXXX   and beginning of  XX/XX/XXXX . I also sent the document of the list of fees and total loss from the insurance to the Gap coverage. The Gap coverage is only suppose to get   XXXX   of the  XXXX  and the remains balance was for me for the storage fees. They refuse to reburse the 600+ amount back to me. So if I can not get the amount funded back to me, instead my focuse is Gap coverage paying the remainder balance of the loan. I have try to work this out, I have contacted the   XXXX   insurance I have yet to here a response from them. I have done what all I can do. Still I am left without a car because my car was a total lost. I have Gap coverage on the loan but they are making it so hard for me and I am too. The point of fed up.

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