milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (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: This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately Navient has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with JPMORGAN CHASE & CO. (HI).
Issue: Customer service / Customer relations

Complaint: Applied for XXXX cards at the same time ( same day ) from JP Morgan Chase Bank. Both cards were sent to pending status with a 7-10 day wait for approval. Called both reconsideration lines and was given approvals over the phone. 

Upon receiving my accounts / cards, XXXX of the XXXX approvals was significantly less than stated over the telephone with the card services department. I called to speak with the card services department again, who passed me around multiple departments without resolution. No one could give me a clear answer other than telling me they could n't do anything about it. I finally escalated it to the Executive Office who stated that they would look into it. 

Executive office rep stated that they did make a mistake in telling me the approval amount over the phone after listening to the phone calls, and that the approval was cut given the approval of the other card. The option they gave me were to make another inquiry against my credit ( after just making XXXX, XXXX of the personal card, another for the business card ), which they claimed they could " mask ''. I explained to them I was n't comfortable with that, so they would discuss internally if anything could be done. 

I explained to them that I just wanted them to stand by what they said. After going back and forth, no resolution could be made within the company without making another inquiry to request for a " credit line increase '' vs. giving me the line of credit they stated ( and acknowledged that they made a mistake of giving me the amount over the telephone ). 

My issue is with setting expectations - to tell someone one thing and then have it be another, and then admit to making a mistake but not being able to rectify it / own up to it, is misleading. I also explained to them that they gave me the full approval on the card with the annual fee but gave me a short approval on the card with no annual fee, essentially making it so if I wanted to keep the line of credit available, I would be required to pay. 

As a loyal customer with multiple cards through the bank, as well as being in good standing / good credit / not carrying balances, I find it hard to understand why a company would say one thing and do another.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: Nationstar has Re-acquired my loan from XXXX. 
Current issue they charged me corporate fees for XXXX to transfer my loan. I had to pay these same corporate fees, when Nationstar acquired my loan. 
I can not get an explanation as to why I 'm responsible for these fees when I did request these transfers. 
Old issue that has ruined my credit. 
When Nationstar acquired my loan from my original lender, XXXX. Nationstar did not honor my mortgage loan agreement. I have made numerous calls to straighten this out with no return call, person no longer handling my loan or some other excuse. I also requested documents on my loan they received from XXXX, which they never sent. I was told once that my loan was Modified. I requested the documents I signed that I agreed, acknowledged to this loan modification. 
I want these issues addressed and the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Non-federal student loan) with JPMORGAN CHASE & CO. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I have complained to Chase about XXXX XXXX XXXX tactics, XXXX XXXX XXXX called my mother about my loans even though her name is only one loan. I have advised XXXX XXXX XXXX that I am working with an attorney on my debt only, per the attorney I am not allowed to speak to them about anything. XXXX XXXX XXXX changed the due date from the XXXX to the XXXX which is causing me to go late every month, the XXXX the due date of my other loans. I am not sure it was ever changed. Chase told me that I will have to catch up the loan but I am working on all of my debt so I am unable to do this. I want of all the negative marks removed due to my due changed being changed. My credit s being affected by this and I have told Chase this numerous times. My account is now almost 30 days later again and I ca n't keep having marks on my credit due XXXX XXXX XXXX changing my due date. I am working with an attorney on my debt only, therefore I ca n't speak to XXXX XXXX XXXX on this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I  am a  XXXX  and did a job for an insurance company where I had to invest my money on materials and labor. The insurance agency has a 30-45 day pay time frame which was explained to me after the fact. Well I have fallen behind on my payments to Conns here in Texas. Granted I have been a loyal costumer for years. But they have been calling me 16-23 tim es  a day for 2 we eks now. For a payment of  XXXX  $ I have repeatedly asked for more time until I finally had to talk to  a manager. I was shocked at the level of profecional ethic this rude man had. He was rude to the point where I hung up  on him and the calls just got worse. Now theyre blowing my phone up more and more with each passing day. As soon as I get this check, they will be the first people I pay off. I was trying to build credit by purchasing a few items from their store but that was a big mistake. Thank you for your assistance and  XXXX   XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX at XXXX I returned a call to check and go regarding a debt of {$870.00}. As I was not sure if the call was legitimate, I requested to receive a document showing what was owed to the company. The woman insisted she was not able to do that and that I needed to set up a payment plan. I voiced concerns about giving that information when I had no proof of the debt I was owed.She again refused to send any documentation to my physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: My mortgage is in the process of being transferred from XXXX XXXX to Mr Cooper ( aka Nationstar Mortgage LLC ) effective today (XX/XX/XXXX ). This morning I received an unencrypted ( non-secure ) " welcome '' e-mail from Mr Cooper ( mailto : XXXXXXXXXXXX ). Unfortunately, too much information was included in the body of the e-mail, including name, property address, complete XXXX account number, complete Mr Cooper account number, current loan terms ( interest rate, payment due date, payment amount ), etc., which created a huge security and privacy breach. The customer service supervisor that I spoke to insisted that this was completely within approved protocol -- furthermore, it is Mr Cooper 's  normal business practice to send out this e-mail to all new customers. Apparently, Mr Cooper will compromise personal financial information for nearly 800,000 former XXXX customers during this transition -- in other words, they are creating a miniature XXXX-like data brach. This is TOTALLY UNACCEPTABLE in this age of multiple breaches of PII!

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Student loan (Private student loan) with CITIBANK, N.A. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Please refer to the previous complaints for reference : XXXX, XXXX and XXXX I agreed to a settlement with the collections agency that Citibank told me was handling my loan ( XXXX XXXX ) after my cosigner 's bankruptcy ended. I received a letter from XXXX XXXX stating that my loan would be satisfied if I payed the amount agreed upon by XX/XX/XXXX. I mailed in a check on XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX with my check that I mailed enclosed. The letter said that the account is no longer active in their office so they could not apply my payment. It said to call if I had any questions, so I called and as soon as I mentioned " student loan '' the agent on the phone said " oh, we were just told to direct your call to the original lender. I do n't know if the contract with them ended or what. '' I called Citibank immediately after and explained the situation. The agent on the phone told me that he could not find any record of my loan in the system and suggested that if it 's on my credit report then I should just dispute it and they will remove it from the report. He explained to me that they sold all of their student loans to other lenders back in XX/XX/XXXX. I explained more and told him I had this exact conversation with them back in XX/XX/XXXX and it was n't until I submitted a complaint on this website that I was told that they were still servicing my loan but it was in collections. And that I was told by XXXX XXXX that Citibank sent out letters to lenders by mistake stating that they transferred loans to them when in fact they did n't ( see previous complaints for more info ). He still claimed that they do not have my loan. I asked him to send that to me in writing and he said he could n't because I do n't have a loan with them. I asked him again to send me a letter stating that I do n't have a loan with them and he again said he ca n't because I do n't have a loan with them. He eventually said he would need to investigate further to see what happened and said he would get back to me by XX/XX/XXXX at the latest. I still have n't heard back. I checked my credit report and this loan is reported on two of the reports as " closed '' " serious delinquency '' " negative '' " transferred '' " deferred '' and I disputed them. 

I 've taken many steps to set this straight with Citibank, but they continue to give me the run around. I have been an excellent borrower to every creditor that I 've been involved with and I do n't deserve this kind of treatment. Citibank is a scam and it seems to me like they are trying to cover something up. PLEASE INVESTIGATE THEM!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In approximately XXXX, I consolidated my federal school loans with my loan provider, American Education Services ( AES ). In XXXX, the public service forgiveness act was passed, which forgives the balance of your school loans after 10 years of public service. In XXXX, I called AES to inquire what I needed to do to be eligible and if I needed to reconsolidate my loans. I was informed that I could only reconsolidate once, and that I was already eligible because my loans had been consolidated. I was further advised that in XXXX XXXX, after I have filled out the required paperwork, I would be eligible to have the balance of my school loans forgiven. From XXXX through the present, I have worked for the government. In XXXX, I changed jobs from XXXX to XXXX At that time, I followed the instructions from the AES representative and submitted my paperwork for this employer. I currently work for the XXXX. Recently, I submitted my paperwork from this employer to continue my eligibility. However, I was recently advised by AES that I was no longer eligible for public service forgiveness because my loans were not consolidated as " direct '' loans. After hours and hours of trying to resolve this situation with AES and explaining that I had been told in XXXX that I was eligible and that no one had told me otherwise, knowing that I worked for the government and was submitting paperwork for the program, A supervisor told me, " Look, AES is a business. We are not out to look for your best interests. We look out for our client 's interest, and they are about making money. We are not going to assist someone in taking money away from our clients. It was up to you to determine if you were eligible. '' I was further told that " At the time I called in XXXX, the program was new, and the representative gave me the wrong information. '' I think this is completely unacceptable. AES knows that I have worked for the government for almost 15 years because that information is on file. They also know that they were likely providing the wrong information to their customers. There should be some sort of remedy for their deceitfulness. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IN).
Issue: Taking out the loan or lease

Complaint: Care Credit XXXX Synchrony Financial XXXX relies on inaccurate credit information and refuses to increase loan amount to {$6000.00}. Second their record are in disarray and show no current line of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XXXX and should have never been assigned to them for collection. XXXX XXXX XXXX is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXX after the account was discharged in bankruptcy.

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 09/14/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I began my lease with XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX for one year ( ending on XX/XX/XXXX ). I lived with three other individuals, each of us on separate leases. After living in the property for one year, I was assessed charges in the amount of {$2400.00} for damages that XXXX stated we were responsible for. I received the first correspondence from XXXX regarding these charges once I moved into my new residence the following year. I immediately contacted them to let them to dispute the total that they were placing on me was incorrect, but to no avail. The office staff stated that they would contact me in the coming weeks with a solution, but I never received any communications back. 

In late XXXX, I received notice that the amount I owed was being transferred to NCC Business Services Incorporated, a  third party debt collection agency based in XXXX, Florida. In late XXXX, I formally disputed the debt with NCC. After waiting for months for a response, I contact NCC to speak with them regarding the unjust debt. They stated that they sent me a response to my debt dispute. I stated that I never received this correspondence and requested them to reissue it but they declined to send me this document again. 

During the time of my dispute with the debt collection agency, XXXX transferred ownership of the property to a bank. This property was being managed by another company. I spoke with the owner of XXXX in-person in mid XXXX, informing him that this credit dispute was a hinderance to my ability to seek housing. He informed me of this shift in ownership and ensured me that he would speak with the new owners to assist me in this effort. He also spoke with the local property management company I was attempting to rent from ( no relation to situation ) to help me in obtain a rental I was seeking to reside in. Despite this, he never reached out to the debt collection agency nor the new owner of XXXX XXXX XXXX to rectify this issue. After waiting for a few more months, I called the new property managers to explain to them my situation. They stated that they had nothing to do with the issue since they never formally went into a contract with me. They also stated that they would not be able to give me the direct contact information for the owners of the property. 

In XXXX XXXX, I contacted XXXX to let them know about my conversation with the new property managers. They offered no assistance. Late in XX/XX/XXXX, I retained an attorney to assist me with solving the issue. She advised for me to file complaints with various governmental agencies. My hope is to not only resolve this issue, but to aid other college-aged individuals who may fall victim to the predatory practices of business like XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have XXXX account on my XXXX and transunion  credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On XXXX is shows date of removal being XX/XX/XXXX while Transunion shows XX/XX/XXXX. XXXX XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, XXXX shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX XXXX is showing No data and Transunion is reporting 30 days late, XXXX high balance is {$0.00} and Transunion shows {$89000.00} and Transunion never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I lost almost everything after my divorce and had a had time putting my life back together But I did get things turned around and back on track I am working and making good money I can pay for my family home. I need and want to keep my home Please Help. This is all I have left the house has been in my family for years and the one place the kids can still call home I know the house needs a lot of work and is only worth XXXX of what is owed the bank today but I am willing to do the work to fix it up and pay what is needed to keep it. I also know the Bank has someone they know trying to buy it for next to nothing .Now that it not worth it and I have paid on it for years why should n't get a chance like that to help me afford to save my home Please Look into This and help Me Save My Home Before They Take It From Me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 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: Account status incorrect

Complaint: On XX/XX/XXXX I called XXXX and made a verbal forebearance request on my student loan account due to financial hardship. At that time I received verbal confirmation that my request was approved for forebearance on student loan Accounts by XXXX XXXX XXXX XXXX XXXX for the period XX/XX/XXXX - XX/XX/XXXX. However, XXXX reported 38 delinquencies on my account to the 3 major credit reporting agencies : XXXX, XXXX, and Experian, for the Months of XX/XX/XXXX and XX/XX/XXXX. I 've contacted both XXXX and Credit Reporting Agencies several times verbally and in writing requestion that the erroneous entries be removed but to date they have not complied. XXXX has been resorting to the tactic of stalling by requesting documentation of general correspondence which they already have in their possession since all requests and notification are stored for access on their website.

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