milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XX/XX/XXXX I made an agreement with then XXXX XXXX ( now serviced through Navient ) to settle my loans through them for a total of {$17000.00}, I was told by the representative that in order to allow this settlement and to set up my automatic payments of $ XXXX/monthly, I needed to pay them {$5000.00} to be eligible. I paid them {$5000.00} XX/XX/XXXX. The settlement was that I was to pay $ 200 monthly until the {$12000.00} remaining balance was paid off. I made my final {$200.00} payment to Navient on XX/XX/XXXX. I verbally confirmed this with my 'account representative ' XXXX. I asked Navient 's account representatives to send me confirmations of my payments, bills, as well as a letter stating the terms of my settlement. I never received anything after multiple phone calls over the past five years. I logged into my account to see that my address information was erased, yet they require this information to be given every time I call. I contacted Navient XXXX/XXXX/XXXX and the representative I spoke with gave me a case # of XXXX, yet told me that her department does not handle payments and that I need to call back on XX/XX/XXXX to check the status, as well as, contact Navients " collections department '' after 45 days of my final payment ( which was XX/XX/XXXX ). XXXX/ Navient never updated my status to a settlement account from defaulted on my credit, therefore every month for the past almost 7 years, they are reporting my account as seriously as past due and that I have not made the required payments. I have never missed a payment since reaching this settlement agreement with them on XX/XX/XXXX. They have seriously negatively affected my credit and have hindered my life due to refusing to update my loan status. My loan is paid in full as of the XX/XX/XXXX payment and I would like for the settlement to be completed and shown as paid in full on my credit, as well as with a letter stating this from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Saturday XXXX XXXX I became aware that Equifax had suffered a data breach. 

I checked my status on https : XXXX and was informed " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This constitutes a breach of trust and a disclosure of my credit information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX / XXXX / XXXX  I needed expensive dentist work for my teeth. The dentist sold me on a no interest credit card from, Comenity Capital Bank,  XXXX   XXXX   XXXX  Credit Card account.  XXXX . I charged {$7500.00} and had the work done.     I did not understand that it was a 24 month promotion period with no interest. In  XXXX   XXXX  the promotion ended and they charged me an extreme interest rate of 28 % and started it at the beginning date. I had made every payment on time and most payments were in addition to the minimum payment.     My balance in the beginning of  XXXX  was {$2200.00}. Payments were due on the  XXXX  of every month.     On  XXXX / XXXX / XXXX  they added {$2000.00} interest, and {$2100.00} - PROMOTIONAL TO REVOLVING.   I called and discussed this as soon as I notices, around  XXXX / XXXX / XXXX . I pleaded with them to remove the interest charges and I was prepared to pay the balance in full. I spoke to  3 different levels of management and they were extremely rude and would not budge. The last person was the district manager and he said he did n ot report to anyone when I asked for his supervisor.     There was small writing on the electronic statement saying that the promotion was ending. I feel I should have been notified by mail, email, or phone.     I paid off the entire balance, in fact paid over by {$87.00} which they will not return.   The balance paid was {$4200.00} which was the balance on the  XXXX  ending statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 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: Information belongs to someone else

Complaint: I pulled my report to dispute and I came across this address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address IdentiIfication Number : XXXX I have no idea how this address surfaced, and I've never been to this city before.

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 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: RE : XXXX credit Card Missing payment history Dear CFPB : Upon review of my credit report, I discovered that my payment history reporting on credit card account from XXXX XXXX XXXX was missing 12 months of payment data from Experian. The account payment history credit report on XX/XX/XXXX reflects the original opening date of XX/XX/XXXX and reporting data on that month XXXX XXXX XXXX. 
My XX/XX/XXXX credit report reflects a change in the " XXXX reported date '' stating XX/XX/XXXX and XXXX months of payment history deleted from this account. 
This account has a perfect payment history and is not reported correctly by the credit agencies. I suspect that someone had done this to cause the age of the account to shorten thereby causing credit score changes/anamolies. I have contacted XXXX and informed them of the dispute, I am following up with the CFPB in regard to this situation because I suspect the employees, credit managers, or data furnishers of the agencies are manipulating credit data to cause reductions in individual consumer credit scores. 
I ask the CFPB to investigate these issues of missing payment data on existing consumer accounts that are in good standing. 

Sincerely, 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 07/20/2017 about Debt collection (Other debt) with Conn's, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Yes I Purchased furniture from Conns in 2015.. When I made the purchase my limit was XXXX. I did use the line but now the line is showing on my credit report 2 x one for XXXX and one for XXXX. I could n't even purchase that much. I have made several attempts to dispute and I even informed the collector I would not make any payments until the XXXX $ was removed. I will accept the higher one. They also called me back into the store that same week to resign paper work which I thought was weird because they say the signatures did not match. How is that? this is crazy to me and it is going on 2 years now

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had loans through XXXX XXXX XXXX because I went to XXXX University and as a part of XXXX closing. they were supposed to get rid of the loans I still had almost {$9000.00} through uas lending Services since they receive the loans that XXXX had to give up. almost {$7500.00} of my loans was removed from uas lending services but I still have a total of {$1700.00} and change through uas lending services. I do n't feel that I should be paying for this other XXXX if they already removed almost XXXX from my private loans that originated with XXXX and wound up with uas. I keep getting calls from uas saying that I owe the money and now it 's in collections saying that I owe them money why was this part of the loan not removed when the other XXXX % was? I would like for this loan to be closed out I 've already reported it through XXXX XXXX saying that I should not be paying for it and all they did was remove the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been in repayment since XX/XX/XXXX with Navient for my college education that started in XX/XX/XXXX. Over this time I have been less than satisfied with the support of this company. 1 ) Loan 's are confusing : over the past 6 years they have changed the way I make payments and see my payment allocations ... bundling all my loans together, separating federal from private, and now they are broken down even further into many payments within each category. This makes it very difficult to know what you are paying and to where over the life of the loan. 2 ) I have high, but variable interest rates. I have been told by Navient that these interest rates never go down, but they do go up. over 13 % on some of my private loans feels like they are really setting me up for failure, and even though the libor interest rates have gone down in the past 6 years, my interest rates have only increased. 3 ) Taking out a total of $ XXXX in both private and federal loans from XXXX/Naivent, I started repayment with about a $ XXXX/month payment. Starting out in the work force in XXXX ( I was happy I even got a job ), this was very difficult to pay. I tried to lower my payments and instead of gviing me the option of an income based repayment plan, I was put into an interest only payment plan. so for 1 whole year my ( now about $ XXXX/month payment ) was only going towards interest and my principal balance was rising. 4 ) Due to the suspicion of my rising principal balance, I have called ( now ) Navient many times to try and understand not only my balance but my options. To date I have PAID just over $ XXXX to Navient ( monthly payments ranging from {$700.00} - {$1200.00} over the past 6 years ) for my $ XXXX loan, and to date have just over a $ XXXX BALANCE on my principal. One phone call with a representative told me that something did seem off, and that my principal should be about $ XXXX lower than what it was ( convo on XXXX XXXX XXXX ). This " initiated an investigation '', which concluded in no change in my principal balance. My complaint is that I feel I have been mislead, taken advantage of, and XXXX of my very HARD earned money for a $ XXXX loan I have paid almost double for already. Given the recent law suit against Navient, I realize I am not the only one. I do not believe that my college education is a given right, but there is a such thing as having integrity when administering student loans to students that are XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The  Company,  TransWorld Systems Inc, has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  TransWord Systems  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  TransWorld,  the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Billing statement

Complaint: I had my credit report pulled on XX/XX/2017, on that date I was showing a 30 days late for XX/XX/2017. I submitted a dispute and the credit bureaus said it is resolved but as of XX/XX/2017 it still shows a late. How on earth can I be 30 days late for XX/XX/2017 when we were on the XXXX day of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX Nationstar Mortgage company bought my loan from XXXX XXXX XXXX. I did n't realize that my mortgage was being sold, my fault. Ever since they bought it I have had nothing but grief from that company. The balance in XXXX XXXX was {$68000.00}. The balance now is {$64000.00}. They sent me a letter dated XXXX/XXXX/XXXX saying that I have overpaid my Escrow by {$380.00} but because my escrow was changing they were raising my Loan payment by {$40.00} to cover the escrow this year. My taxes have lowered and no change in my insurance. I found out today that the insurance company that I have now is affilated with Nationstar called XXXX XXXX XXXX XXXX. I have made calls to Nationstar and the XXXX. XXXX XXXX. I got " call your insurance company '' from Nationstar, so I did. I got a representive from the insurance company who did alot of double-speak she admitted that My insurance had n't changed and to call Nationstar and gave me the same customer service number that I called. I applied for refinance with Nationstar in XXXX XXXX. They kept saying they would get back with me. 90 days later I was so fed up I told them I did n't want to refinance. The next thing I know I get the letter about increasing my monthly house payment. I am a XXXX citizen and am thinking about retirement. This arguing with this Mortgage company is getting upsetting for me. Can you tell me if this is a real company and if they are honest or not

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with National Account Systems of Omaha, LLC (NE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: account is on my credit report the facility did not bill account to secondary insurance was never given validation notice

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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 an issue with both Equifax and a collection agency called XXXX XXXX XXXX XXXX 

I have an open collection item with the collection agency mentioned above, originally assigned XXXX. 

To date, I have not received any notification of this collection account. I last went through the process of pulling my credit reports from the 3 credit bureaus in late XXXX XXXX, which is where I first learned of the collection ( it appeared on all three of my reports ). I submitted disputes to all three credit bureaus disputing the validity of the debt- both XXXX and XXXX  removed the collection from my records, while Equifax marked it  as valid. 

At a loss of how to resolve the issue, I sent an email on XX/XX/XXXXto the only contact email I could find listed for the collection agency ( 'XXXXXXXXXXXX ' ) proposing to proposing to pay the collection just to get it removed from my credit report. I did not imply ownership. I received no response. 

In XXXX I again disputed the validity of the debt through Equifax and again had it marked as valid. 

I am submitting this complaint as I am at a loss as to how to resolve this issue and get this collection removed from my Equifax. Due to swift removal of the collection from my credit report by 2/3 credit reporting bureaus as a result of my initial dispute, the lack of communication about the collection by the collection agency, and the lack of response to my email to the collection agency in which I offered to pay the collection amount in full simply to make it go away, I have serious doubts regarding the legitimacy of the collection agency. 

I feel stuck in a untenable situation where I can neither pay to resolve the collection nor effectively dispute it. I am also confused as to how Equifax has access to data that shows the collection as valid, while the other two credit agencies determined it was invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NM).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XXXX / XXXX / 2017  I made purchases over the weekend that had been deducted from my account but was on hold however the purchases had shown deduction from my balance now  Citizens  bank is saying it did not reflect on my balance when in fact it did and they are charging me with  XXXX  different overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Last Friday I logged into my online Chase account and noticed that all of my credit card accounts were closed. Today, I received a letter for all credit card accounts confirming they were closed. Chase shared  they were closing the accounts because of the number of recent credit inquiries and accounts opened as well as the total number of accounts I had with them. I have a fico score in the high XXXX-low XXXX, have never paid late, and have been a Chase customer for years. I feel it is discriminatory that they recently approved me for a new credit card and then turned around and closed all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: AFNI CALLED VARIOUS CELL PHONES AFTER CEASE AND DESIST IN VIOLATION OF YCPA, AND PULLED XXXX XXXX XXXX AND XXXX XXXX IN VIOLATION OF FCRA. FINALLY CALLED ALL MEMEBERS AT WORK WHERE THEY KEPT ASKING ME PERSONAL QUESTIONS IN VIOLATION OF DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID).
Issue: Credit decision / Underwriting

Complaint: I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( FYIXXXX was the lender at the time of the Bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (MT).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a request for removal of PMI from my mortgage loan with BB & T for my primary residence on XXXX/XXXX/2016. With my request, I submitted an appraisal from a licensed and certified residential real estate appraiser showing my current LTV ratio ( XXXX % ) was substantially below the required XXXX %. My request was denied with no reason provided. I called BB & T customer service but they are unable to assist as the mortgage insurance office is a back office function and does not interact with customers. I submitted a formal complaint to BB & T but have not been given a reason as to why the request was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I wish to file a complaint against Quicken Mortgage loans. I feel that there initial Mortage qualification process is unfair and inadequate when it comes to eliminating the need to unnecessarily adding a a hard inquiry to my credit report which in turn reduce my credit score by a few points. A few points in my case is a tremendous detriment that pushed me from one demographic to another financially. There are certain criteria that Quicken use that will disqualify an individual from being able to acquire a loan from quicken. In my case the criteria was that of child support arrears payment that were current. I feel that Quicken has been in this industry for a long time and they know what criteria will disqualify an individual. This criteria can be ascertained early on in the qualification stage so as to eliminate a derogatory credit pull on a consumers credit, as is the case with me. Their current process of pulling credit as a first resort is unfair and unnecessary.

Company response to consumer: Closed with explanation