milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Was not told when consolidating loan balances with Navient that payment based repayment plan years would start over to the beginning of the 25 years of payments and would not be given credit for the 4 years that I have made payments. I consulted with Navient before proceeding with the consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 01/28/2017 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my many requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: TRANSUNION AND XXXX XXXX TO FOLLOW SUIT AND DELETE UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT.. I 'M FED UP WITH THE RED TAPE AND EXCUSES, XXXX DELETED WITH NO ISSUE, AND I SENT CERTIFIED LETTERS TO THE CREDIT AGENCIES WITH NO RELIEF

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 09/19/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$790.00} Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1000.00} Docket # : XXXX Plaintiff : XXXX Balance : {$2700.00} : I even contacted the court house and they said they do n't verify information with the credit bureaus. Therefore, I do n't think a proper investigation was ever done with I disputed these account. XXXX and XXXX already deleted them but it seems that Equifax is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was never given the options for for the income based repayment option. Only forbearance and deferment. They payments were always more than what I could pay. When I did ask about the IBR options I was told I would not qualify with the status I was in due to exaughsting forbearance and deferment options and I would have to pay back at an intolerable amount each month. After a year of rehabilitation got on a program where I could actually afford the payment. Since this option was not made available anywhere near the beginning of my student loans my debt has more than doubled. There is a large amount of service fees that were added and my credit score has been severely affected. I have only recently been able to get a car loan and the interest rate I had to settle for is well above the national average.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I signed up for a CitiGold Checking Account using promotion code : XXXX which promises the consumer XXXX XXXX XXXX AAdvantage miles after spending {$1000.00} on the debit card within 60 days of account opening. When I completed this I called Citi and was told that the miles should post to my account by XXXX. 

It is now late XXXX and I have not received the miles. Here are the steps I have taken to resolve the issue myself : 1 ) A few months ago I called Citi and was told the miles would post by XXXX 2 ) I used online chat support to ensure I met the terms of the offer 3 ) I called Citi in XXXX to see where the miles are. A CSR told me that they 'd get back to me with an update in two business days 4 ) I called Citi again after four business days and was told to wait another two business days 5 ) I called Citi again and was told to wait 60 days. 

I feel like Citi Bank has pulled a bait and switch on me - they offered one thing with a very specific time frame and have instead pulled the offer and made the time frame ambiguous. I feel cheated by the bank.

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 02/27/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a discharge on a Chapter XXXX Reorganization as of a year ago this XX/XX/XXXX. The mortgage servicer company, Ditech, bought the mortgage from GreenTree and has failed to move me from BK status to normal servicing, has failed to provide a monthly statement, failed to provide loan balance, credit for all monthly payments made since I obtained a Confirmed Plan in XX/XX/XXXX, XXXX District Bankruptcy Court. I contacted CFPB when I was initially being abused by GreenTree, you failed to help me, I ended up in Chapter XXXX, with case costs of {$150000.00}, to protect my estate including my real estate which I rely on for retirement ; perhaps now you can do something - this is a straightforward violation around consumer lending disclosure, fair credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Settlement process and costs

Complaint: Freedom Mortgage has been jerking us around for almost a year. They claim to have not recieved paperwork 4,5 and 6 times over, then they claim paperwork is outdated and needs to be resubmitted. The only reason any paperwork has ever been outdate is because freedom has waited around for it to expire so they have another excuse not to stall our short sale request. Its pretty clear at this point that they just dont want to let us continue with the sale of our home. We have submitted every single paper requested over and over again and its never enough.

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 10-08-2015 about Mortgage (Conventional fixed mortgage) with BOGMAN, INC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have started going through a hardship since me divorce was finalized in 2014. My ex husband stopped paying half of the bills like we were both accustomed to doing. I lost my XXXX after Making Healthcare Affordable Act was passed because those employers needed to make sure everyone had coverage or they had to pay a fine. After the last unemployment term for 2 weeks, I found a job working at a XXXX XXXX making {$XXXX}. This salary barely covered filling my car 's gas tank weekly. I was able to pay certain bills but not all of them. After working there for 4 months, I found another job making more money. I started getting caught up on the bills and 3 weeks later, the job ended. I found myself unemployed for two more weeks. I did finally found a job making more money and now i am trying to get back on track. I had did a Loss Mitigation package three times and every time I leave voicemail messages for the XXXX contact people I have, no one never returns my calls. I need an answer because I want a resolution that will be fair to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a Home Loan Modification due to inflation and the fact that I have not received a Cost of Living Adjustment. My Lender indicated that, " Your current monthly housing expense, which includes the monthly principal and interest payment on your first lien mortgage loan plus property taxes, hazard insurance and homeowner 's dues is less than or equal to 31 % of your gross monthly income which we verified as {$3700.00}. Your housing expense must be greater than 31 % of your gross income to be eligible for a Home Affordable Modification. If you believe this verified income is incorrect, please contact us. '' I contacted Specialized Loan Services and was told by a representative named XXXX that they are allowed to increase my Gross income by 25 % which I do not make. After taxes, and other deductions, My Social Security income is {$1400.00} and my retirement income is {$1500.00}. The total is {$2900.00}. My Gross income is no where near {$3700.00}.

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 08-04-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: I opened a HELOC in XXXX XXXX with XXXX, in XXXX XXXX it transferred to Specialized Loan Servicing. In XXXX XXXX i decided to refinance my primary mortgage and during th information gathering phase it was found that the HELOC is not recorded in the county I live in. On approximately XXXX XXXX, XXXX I began calling Specialized Loan Servicing to ask for a copy of this document. I have called each week since asking for this document to allow refinance to proceed, each week I get another person and another story. SLS document storage company seems to be in the land of the lost and no one can call or contact them other than via internal email. I was told to submit issue via fax to expedite ( attached ). I was told that a work ticket had been opened and due to close on XXXX XXXX, XXXX, when I called on XXXX/XXXX/XXXX I was told that ticket had been closed and another opened and scheduled to close XXXX/XXXX/XXXX. No one could tell me what or why. On XXXX/XXXX/XXXX I was told that the original consumer file had been ordered on XXXX/XXXX/XXXX, exactly one working day ago. No explanation as to why it was n't ordered 5 weeks or so prior and no time frame as to when I could expect resolution. At one point I spoke with a supervisor but vague answers where the same, on XXXX/XXXX/XXXX I asked to speak with that persons supervisor and was told that the only way I could reach them is thru the first level supervisor. Oddly enough that person is out of the office for an undetermined amount of time. I have filed a complaint with Specialized Loan Servicing home office and received a letter stating they will investigate in 30 days ( attached ). Now I have missed the closing window for primary mortgage due to all of the fumbling at SLS and its costing $ XXXX per month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, all 3 major bureaus listed Hunter Warfield as collections. I have never had any accounts or dealing with this company. I did not sign any  contracts with this company. I requested that they validate the account in which they are attempting to collect the debt by certified mail on XX/XX/XXXX. This company states that I owe them {$4300.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt. This is proven to be injurious to my credit standing. I applied to XXXX XXXX XXXX XXXX to refinance my vehicle but because of this debt reporting for the above amount stated they were unable to refinance my vehicle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015, I have noticed that I was being alerted by XXXX that GE capital has pulled my credit report without my consent. Someone has used my social security number in order to used my credit. I asked the bank for a copy of the application, but someone reason a rep was able to give me that information before, but know as I had called back on XXXX, the rep refused to give me that information, as I was able to get the information before, but i have misplaced it, i did not authorize this company to pull my credit report without my consent, i am trying to file a police report about the person who tried to obtain goods in my name,, but I would need the application or some sort to let the police know that someone had used my information without my consent, the bank has engaged in fraud and identity theft. And also the company needs to send me a copy for a letter stating to remove the inquiry. So since the company will not cooperate, i decide to file a compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: While I was XXXX, I had my Grandmothers address as my record address for my student loan because I move so much in the military. In XXXX from the military. The problem is, I never received notification of deferment needs/ payment requirements because my Grandmother had passed away and I no longer had her to forward my mail to me and I never received anything from Navient when they received the mail returned to sender. I only noticed the error when my normally stellar credit turned bad. I immediately contacted Navient set up payment terms, had deferments submitted for the problematic period of non-payment and even forwarded a copy of my Grandmothers obituary as a substantiating document to what had happened. I believed all was good however, Navient is reporting the period of non-payment negatively on my credit report when I had was unaware that the requirement existed. In addition to this negative information, they are reporting my loan broken into five separate accounts, compounding the negative information in that it appears I have 5 separate instances of non-payment. I recently tried to dispute the negative information on my credit report but Navient reported back that the information was correct and my credit remains negative even though I have set up automatic payments as soon as I was aware of the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: All three companies ( XXXX, XXXX, TransUnion ) demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the XXXX breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this.
XXXX made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?

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 09-08-2015 about Credit card () with PAYPAL HOLDINGS INC. (WI).
Issue: Other

Complaint: I got a call form PayPal on XXXX different occasions saying I had outstanding balance. After calling back I found out that I have XXXX accounts neither XXXX was I aware were out there. My daughter opened them in my name. After she was in jail she admitted to me that she did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Overdraft Charge of {$35.00} was collected from my account in consecutive thee times on XXXX XXXX, 2015. The statement was not showing any overdraft balance on XXXX XXXX, 2015 after all of the checks and atm card payment were posted. It became negative when the XXXX and XXXX overdraft charges of {$35.00} were posted. It may be a computer error. I just would like to request for the refund of {$100.00} ( {$35.00} x XXXX ). Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, I purchased a property on a " stated income '' basis. I was making approximately {$XXXX} per hour, plus XXXX, at a XXXX. I was given an 80/20 split of the mortgage. the loan that represents 20 % is a 12.5 % interest rate. I do not recall ( and neither does my attorney ) ever discussing an interest rate of 12.5 %. The loan that represents the 80 % was an interest only loan which was modified 5 years ago and that modification will expire next month. During the last 10 years, I have maintained a good standing with both lenders, never missed a payment, never paid them late. I contacted both groups and requested a refinance. I was told that they are unable to do so because I am not eligible for HARP due to the fact that neither loan is XXXX or XXXX. I spoke with every department that they would let me speak with in an attempt to come up with a plan to create a more reasonable loan. They refused. 
This has not been my primary residence since approximately end of XXXX. As a result, I have had a number of different tenants in there from time to time. 
In XXXX when the modification expires, the loan that represents 80 % will nearly double. The rent that is collected barely covers the mortgage payments as they are. I am not financial equipped to make the difference in payments for the remaining years of the loan. 
I do not want to be a statistic and allow this property to go into foreclosure or short-sale. However, the bank has not agreed to work with me in any way with the exception of a modification again, which will only prolong the inevitable. 
I have also contacted other lenders, private investors, Homevestors, etc. with no success. 
I am hoping that CFPB is able to assist in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with Alliance Data Card Services (WA).
Issue: Closing/Cancelling account

Complaint: I opened a XXXX XXXX account throughCommenity Capital Bank. They were supposed to allow for financing of a specific product, but after opening the account, failed to live up to their advertisement. So, I called and closed the account. They confirmed that the account was closed. 

About a year later they emailed me asking for updated personal details about my ( open ) credit account with them. I called and asked AGAIN that they close it. They once again confirmed that it was closed. 

Received another email about my account on XX/XX/2017. This account SHOULD be " Closed at consumer 's request, '' but they continue to keep it open against my wishes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to send a purchase agreement to get reviewed to have a foreclosure sale postponed. I called XXXX to reach the assigned customer assistance manager He was not in. I was transferred 4 times to different people who did not know where I should send documents or the process. I was even told to call the foreclosure attorney who stated they have to get instructions from Bank Of America and that Bank of America should not have told me to call them Then I called back and reached an office in N Carolina and went back and forth with a rep named XXXX for 92 minutes as he could not find anyone to answer the question Then he said all managers were in a meeting .This was at XXXX XXXX and he said I would get a call back. No one called

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 12-11-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, I have a judgment appearing in the public records section of my credit report on XXXX and Equifax. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my XXXX and Equifax credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and XXXX for reflecting the wrong date. This judgment was filed against me in XXXX XXXX, so it should be up for removal in XXXX XXXX. I 've included a screenshot of what appears on my credit with all three major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.

Company response to consumer: Closed with explanation