milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was speaking with Sallie Mae on repayment options, as I was unemployed following graduation. I was unable to meet the $ XXXX+/month payment and was asking what my other options were. I was specifically advised to let my account run over, as in not meet the payments, because Sallie Mae would not work with me on changing payment options until I was overdue. After two months I tried to reach customer service once again and was directed to Collections, who informed me that I had to make my loans current before I could begin any sort of payment change option. After explaining the advice I was previously given, I was given a sorry and an adamant ultimatum that they needed to make the loan current first before anything could be done. I was forced to borrow money from my parents and then was explained the options available to me, neither of which greatly affected my payments. I was also reported to the credit bureau due to the non-payment of the loan, which has affected my credit score, making it difficult to now find an apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Filed for renewal of income-based in XXXX XXXX ( it is now XXXX XXXX ). Every time I contact them they say they need additional information because the information I sent is out of date. I have contacted them XXXX2 times per month since, and they always tell me something new and place my loan in forbearance. This is accumulating interested on a problem they refuse to fix. Now they are telling me that I am in school full time so the problem is fixed. I am NOT in school!

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Student loan (Non-federal student loan) with AES/PHEAA (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: American Education Services has given me false information, charging me more than what is due, their website is not updated or organized, each representative gives students different information. Due to all of their fraudulent practices and false information, I have had multiple loans default now. I have tried working with them, I make payments because they tell me I have no options whatsoever even though I am in XXXX school and do not have a job. They have destroyed my credit and made my life miserable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.

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 04-03-2018 about Mortgage (Conventional home mortgage) with Peoples Home Equity, Inc. (FL).
Issue: Closing on a mortgage

Complaint: I'm reporting people 's home equity as I've worked there and I'm formally reporting that they're altering customer documents, along having a felon working on the loans. They also have several people working under one loan officer 's license number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a HELOC with Citibank in 2010 that was charged off but no document was sent to me that provided the filed date. I am attempting to retrieve a document with the charge off date as the credit bureau has it incorrect and/or is unclear about the date. I have spoken with XXXX different people in XXXX different departments always being transferred from one person to the next. I have sent 18 requests via fax since Thursday, XXXX XXXX with my information to confirm receipt. I have not received any communication from them from those requests. All I need is a document with the correct charge off date so I can have my credit corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I am trying to link my XXXX account to my TD account and TD will not allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Company continues to report this account on my Credit file. i have disputed this over and over again, and this Agency continues to violate my FCRA rights by continuing to report this debt that never belonged to me. i have gone ahead and forwarded the necessary evidences of their violations of the FCRA to the Maryland State Attorneys office and will be taking legal actions if this account is not deleted off my credit report in the next 5 days from the receipt of this dispute. I employ CFPB to look extensively at this Company 's violation of the FCRA and to further investigate the operation efficiency of this company in complying with all FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: refer to CFPB case # XXXX XXXX - Suntrust removed disputed mortgage lates reporting. Supporting documentation was provided to support error. Please remove SunTrust Mortgage late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, I have been paying for 8 years and 11 months on my XXXX and XXXX mortgage with no payment issues. My credit is flawless. I just became aware that my XXXX mortgage is going to adjust after 10 years and this will cause XXXX payment to go from {$1400.00} to nearly {$3800.00}. My XXXX also has a balloon that will come due in 5 years although the note has no term defined in the signed note. The combined mortgage payment will far exceed my ability to make payments. I reached out to Wells Fargo, ( my XXXX mortgage ) today and they can not do anything proactively to adjust my loan. My intention is to not have any lates or payment issues. I have an excellent job and am planning to live in my home with my wife and XXXX kids well past when they move out. I am open to look at financing and re-structure but it appears this can not happen until after is adjusts or I start missing payments. My equity position is far under water. Details : First mortgage XXXX owed Second mortgage : XXXX owed Approx value of property : XXXX Any help would be greatly appreciated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with Penn Credit Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company calls numerous times per day. Either hangs up or asked for a name info not recognize. XXXX Penn Credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a mis-spelling of my name that is reported and an address that is NOT mine

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient services my Federal student loans. I was enrolled in an Income-Based Repayment Plan XX/XX/XXXX. I realized something was wrong when my payment amount increased dramatically XX/XX/XXXX. I called Navient and was told that I did not complete required annual recertification to maintain lower payments. I told them I never received notification through email, mail, or otherwise that this was required, when it was required, and what the consequences would be if it was not done on time. It was only when I logged into my Navient account and checked the Correspondence section that I saw they had sent an overdue notice regarding the need to recertify. I do not fully understand the penalty except that I believe a whole year of payments were basically wiped out. I did not submit a complaint because I did not fully understand everything and was assured that notice had been sent. My student loans are about {$60000.00}, so a year of interest or whatever the penalty was is enormous. Please help me understand what I can do to make Navient own up to their inadequate notification and correct this problem. And by the way, I have never missed a payment or been late on a payment even when my payment unexpectedly increased more than 100 % from one month to the next. Thank you for your help, and I hope by submitting a complaint a year later that it does not diminish any chance of correcting this problem. Thank you very much. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: No Contract with creditor. 
Refused to validate the debt per Federal law requirements Would not provide a forensic analysis as requested to prove account balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CT).
Issue: Managing the loan or lease

Complaint: About three years ago I purchased a mattress from Sleepy 's. The cost was about {$3500.00}. Since this was a new memory foam mattress, Sleepy 's did not discount the price but I was told that, as long as my credit checked out, the 'loan would be interest free, ' as long as I made my payments on time, I was given a Synchrony Bank credit card, and I put the payment schedule on my XXXX On-Line Banking account to ensure that the payments were made in plenty of time to meet the deadlines and I would never be late making a payment. 
Recently I opened one of my statements for this account and noticed that I was being charged nearly {$1800.00} in interest. In calling Synchrony and asking how this was possible since I had made all the payments on time, I was informed that I had failed to repay the principle by the end of the 'holiday period ' and therefore was being charged interest at the rate of 29.9 % retroactively from the time I bought the mattress, a fact that I was totally unaware of when I bought the mattress. 
I am XXXX years old and have been a XXXX for over 50 years. I also have a XXXX income and a XXXX net worth so the amount of money involved is almost immaterial to me. However at the same time this type of behavior totally incenses me. It is bald faced trickery. The only excuse for making this type of loan in the first place is to collect 29,9 % interest from people who have little or no credit risk. I am sure somewhere in the 'fine print ' of the original contract this fact ( the 'loan holiday ) was described, probably in great detail but how many people in my business especially have time to read contracts like these, and how many poorer people can understand 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 monetary relief
Consumer complaint received 04/29/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am writing you this letter to dispute XXXX Mortgage late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX Mortgage about being qualified for a loan modification. I declined the loan modification, only to have XXXX mortgage hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX mortgage loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX mortgage concerning my loan modification that I never signed up for. 

I spoke with a XXXX Mortgage rep XXXX XXXX, XX/XX/XXXX, and XXXX reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX Mortgages home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX Mortgage several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX Mortgage for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never received any material from this company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: Back on XXXX, 2016, I made a payment to American Honda Finance Corporation online. This was very customary for me as it was a payday and I made sure to be proactive in my payments. After a few days, I noticed the payment was still pending online. I followed up with a phone call to Honda so that I could get clarification on why the payment was still pending. During the call, I was assured that the payment was received and the " pending '' status was just a system glitch. I was very wary of this because it had almost happened before with a previous payment that almost caused a late payment. I even contacted my bank about the payment and was notified the payment was being taken out. However, it was still listed on the Honda website as a pending payment. On XX/XX/XXXX, the payment was " officially '' cleared out of my account according to Honda. I do n't know what issue came about and what other payments were made that caused there to be a deficiency in my account but the payment was reversed. This is after I was assured the payment was processed already. After the payment was reversed, of course, there were additional bank fees and fees with Honda that caused me to be unable to make another payment within a few days. This caused my account to be reported late, and in turn seriously affected my credit score. I attempted several times to resolve this issue with Honda, as I had NEVER made a late payment before this incident. They refused to listen to my explanation of the situation, and while doing so stated that their reps never told me the payment was processed. I even went so far as to write a goodwill letter requesting the late payment to be deleted, and they did n't even acknowledge the letter I provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I have a Health Savings Acct with Bank of America. SEE BELOW.. 
Recently, we let you know about upcoming fund changes to the investment options available in your HSA, as well as the upgrade to your health account that 's coming soon. This is an important reminder that in order for your investments to transfer in-kind during the upcoming upgrade, the auto-investment feature must be enabled on your HSA Investment account before XXXX at XXXX. 
XXXX. If the auto-investment feature is not enabled, investments will be liquidated with proceeds placed into your HSA Cash Account. The cash will remain in your account until you make new investment elections. 

Here 's what you need to do if you prefer your investments to be transferred in-kind : Before XXXX, confirm that the auto-investment feature is enabled on your HSA Investment account. On XXXX, your shares will be moved in-kind to Merrill Lynch XXXX. Your auto-investment elections and {$1000.00} investment threshold will also be mapped over as part of the transition. 

How to confirm auto-invest is enabled : Log in to XXXX Click on " Investment Balance '' in Account Balance & gt ; select Continue & gt ; Investment Summary tab. If auto-invest is disabled, click on " Automatic Investments '' & gt ; check " Enable Auto Investments '' & gt ; submit & gt ; confirm. 
Your investment elections must total 100 % before you can turn the auto-investment indicator on. 

What will happen if the auto-investment feature is n't enabled by XXXX? 
If the auto-investment feature is not enabled, your HSA investments will be liquidated on XXXX with proceeds placed into your HSA Cash Account. You 'll have access to these funds on XXXX and can select your investment elections as part of your account set up. 

Please ensure you review the status of your auto-investment option and make any necessary updates to your account before XXXX at XXXX. XXXX if you would like your funds to move in-kind during the upcoming upgrade to your account. 

If you need help or have any questions, please contact the Customer Care Center number on the back of your HSA debit card. Our Customer Care Associates are available 24/7. 

My investments within the account are not showing up and the consumer can not enable the auto investment link. I have been on hold for over 20 minutes and you can not email them. THIS IS INEXCUSABLE! If I lose the portion of my account that is invested I will sue the bank and make this as public as possible. I DO NOT RECOMMEND ANYONE USE BofA 's HSA services.

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 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Of the XXXX agencies only Experian showed on my annual credit report that I owed money to a debt collector which I never did owe in the first place. Their website gave me an opportunity to dispute the findings so I did and a few days later they sent me the same credit report again with the word 'updated ' on it but the debt was still on the report. So I sent a letter to the debt collector asking them to tell Experian that I did n't owe any money. I waited a XXXX. I could not figure out how to find out if the debt had been removed by way of Experian 's website. It is impossible to conduct nonstandard business with Experian through their website. So I wrote a letter to Experian and included in the letter all the personal information that they needed to validate my identity including my social security number, a copy of my driver 's license and a copy of my electric bill. XXXX days later they sent me a letter claiming they had received a suspicious letter in the mail concerning my credit report and that in effect they would no longer conduct any business with me through the mail. That was a XXXX and a XXXX ago and I have n't heard from them again. My overall experience with Experian has been that any complaint that I make to them is just thrown back in my face by a computer. I think they are trying to sidestep my complaint either because it is an inconvenience for them to repair my report or because they hope to get money from me in return for repairing my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief