milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I made a payment to XXXX of my store cards while speaking with a representative. She confirmed the payment and said that it successfully posted only to learn a month later, she 'd transposed a number. The payment never posted and I never got any notification. Her error resulted in them closing my account. The company acknowledged the mistake, promised to research and fix the problem but never did. Months after, I made a autodraft payment arrangement to clear the debt. Only XXXX payment posted and now the debt has been sold to a collection agency with additional fees on the debt.

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 11/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit determination

Complaint: I was n't able to pay my balance on my American Express credit card so I called their customer service and asked what options they have available for me. I was told I could make monthly payments. I said great and told them I could pay it back in a couple of months. 

They told me I could pay it over a 12 month period. I said great, paid it off over the 12 months and found that it also hit my credit report as severely deliquent. 

The drop in my XXXX score is so severe that it is preventing me from getting reasonable rates ( i.e. Car loans, credit cards, etc ) or I will be denied from getting any type of loan. If I would have known American Express would report me as deliquent, I would have cashed in my XXXX to prevent this impact that will stay on my credit report for 7 years. It is equivalent to having a bankruptcy on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a credit card with Capital One and they are really bad about helping customers with a late fee of {$25.00} for a payment that was one day late. This fee keeps me from reducing my balance I spoke to someone in the customer service one time a while back and they had no problem removing that fee but today I called and the man said he could n't do it. His computer would n't allow him to do it. I have done customer service for 11 years and I know we had a override to change a fee for customers. That is the thing companies should do to keep happy customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern TransUnion   XXXX   XXXX   XXXX    XXXX , CA   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX , TX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #   XXXX   DOB XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
  XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  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 non-monetary relief
Consumer complaint received 05-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ), a collection agency that appears to be a fraudulent company, has used my personal information to falsely accuse me of owing {$610.00} to XXXX. According to the company, the account was created in XXXX in XXXX, when I lived in XXXX, and closed XXXX. I called XXXX regarding the information after speaking to XXXX XXXX, who had no record of a previous delinquent account in my name. According to XXXX, Convergent used a completely different social security number from mine. I also found an official news article regarding other people 's fraudulent experiences with Convergent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: The Home Depot failed to remove my name, as promised in letter, from credit report companies: XXXX after they found that the account use was fraud. I have letter from TheHomeDepotCredit Services where they confirmed that the charges on my account were incorrect. They did not take the steps to correct mistake regardless several calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: There are XXXX loans in question that were originally held by XXXX XXXX ( a company that abused the system ). The resulting spinoff to avoid further scrutiny has meant that my loans now sit with Navient ( mind you I had no choice in this matter ). Because of overwhelming charges and their complete refusal to review an income-based payment plan I have determined to return to school to finish my degree. For the past XXXX years I have been taking enough courses to qualify for in-school deferment while I work to progess in my career and finish school with an income capable of supporting these exhorbitant fees. Navient is now claiming that I am delinquent/XXXX months late on payments all the while I have been taking classes the entire time. I spoke with a representative XXXX weeks back regarding the situation. I was told to fax in paperwork showing that I was in the midst of coursework and the matter would be resolved. I did as requested. From that point I received no phone calls. Shortly thereafter I found that Navient had not made the appropriate corrections but were instead harrassing my co-signer with upwards of XXXX automated calls a day. This is unacceptable. I have tried ad nauseam to contact Navient but their phone system traps you in a loop. Upon smashing 'XXXX ' enough times to speak with a representative, each time they claim to be unable to hear you and disconnect the call. This company is predatory in every nature of the definition. They are rude, aggressive and threatening on the phone yet have no way for you to contact them to correct THEIR errors. They are only concerned with soliciting money from whomever will answer their calls. This is unacceptable and their behavior is overwhelming and scary. We tell our youth that they can not be successful without advanced education. We then charge them rates that do not correlate to education provided but assure them that 'we ' are there to help them through loans which will be easy to pay once they have that degree and huge salary. Once the student becomes an adult to realize everything they were promised was a lie the phone rings ... this is unacceptable and at the very least we need to stop the predatory behaviors of these lenders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Credit decision / Underwriting

Complaint: We have filed twice now. We have yet to hear back from Nation Star with a valid response and resolution to their mistake. on XXXX XXXX 2016 they claimed to have a resolution and have yet to produce one. Their mistake is costing both my wife and myself from refinancing our current mortgage. 
We are requesting they fix this nightmare in a timely manner it has been over 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX / XXXX / 2017  Equifax Could n't get free credit same a before just a scam to get you to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX/XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.

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 11/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient has continued to offer me forebearances instead of helping me to figure out how to pay and handle my loans. I call and ask them to help me and they keep pushing and pushing forbearance ( been there done this and in horrible shape with loans ) and this coming from customer service reps who barely speak english and i mean no disrespect when i say this. My loans are unbearable ... and the only thing on my credit report thats horrible and preventing me from getting a house loan ... i applied for income based payments 3 weeks ago ( sending in my income tax from last year and paystubs ) and still havent heard a thing. This is all such a game and navient is messing with people 's lives and the ability to qualify for car home loans. Since XX/XX/XXXX i was paying {$360.00} a month and getting nowhere and still behind! I do not understand how to fix this situation wirhout putting thousands of dollars down on these federal loans i learned are controlled by navient. This is a disgusting company who is by no means looking out for the consumer. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Credit decision / Underwriting

Complaint: PNC put a late payment on my credit when we were trying to close on our house. We were not able to close for two months so my XXXX payment was late because the attorney froze my mortgage, we received a payoff from PNC plus an extension, now I ca n't get another mortgage & I am about to be homeless in two months. This was not my fault but somehow I need to fix it. I have a contract on a new property that I do n't want to loose. This is not fair to me as a consumer. I normally have great credit. Now it 's ruined. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Other

Complaint: Fifth Third bank is reporting this on my credit report even though the date of XXXX delinquency is on XXXX, 2007. This is past the Statue of Limitations in my state and I have tried to dispute through the credit reporting agency and they come back verified. Fifth Third has sent me a letter stating that this account fell into delinquency on XXXX 2007 and still will not change the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: On XX/XX/2016, while checking my accounts with Wells Fargo in relation to some other open issues, I found some unknown charges on my credit card. I called Wells Fargo to report these charges and work out the details of resolving this issue, but I was met with the same useless " customer service '' people that have terrible attitudes, and generally refuse to do or be anything helpful.

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 03/29/2017 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.

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 01-11-2017 about Mortgage (FHA mortgage) with KONDAUR CAPITAL CORPORATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX XXXX XXXX XXXX filed a foreclosure complaint ... my mortgage and note that was duly executed by the original holder of the note, ( XXXX Mortgage ) Mortgage Document No. Recorded # XXXX in the XXXX XXXX recorder of deeds. later in the case XXXX f/k/a XXXX XXXX XXXX assigned it to XXXX XXXX XXXX, XXXX without notifying me and my husband. The loan is a XXXX. loan. they did not have a face to face meeting before filing the foreclosure complaint which is in violation of Federal Regulations governing its mortgage law pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX ( d ) and which are set forth in XXXX XXXX XXXX my FHA loan number is XXXX XXXX now they which/ assigned it to KONDAUR CAPITAL CORP. who says they do n't have to do/or give any modification.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX, XXXX XXXXTransUnionXXXX XXXX XXXX, XXXX XXXXCase Number XXXX XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX regarding the recent cybersecurity incident and that my personal information may have been exposed. In the process of attempting to sign up for the credit monitoring service with XXXX XXXX XXXX XXXX, I was unable to register for the service because your company shows me as " deceased ''. 

The XXXX staff instructed me to contact your company which I, also, did on XXXX XXXX, 2015. During that conversation with a person named XXXX, I was instructed that I needed to confirm my " non-deceaseness '' by providing a copy of my Social Security card and Form XXXX. You will find the requested information enclosed. Please correct your records to show that I am still among the living! XXXX informed me that I needed to contact the " Social Administration Department '' for a XXXX. I queried him a couple of times as to what and where I was to find contact information for said Department. So with those incomplete instructions, I decided to try the Social Security Administration, which is the Agency I needed to contact for XXXX. I suggest you have your employees read the entire screen during their contacts to ensure that all of the necessary information gets passed along. 

I inquired of your employee when, who and how I came to be shown as " deceased '' in your company 's records. He could not provide any clarification to my questions. I want an answer in writing with the details of the how, who, and when of the reports you received changing my living status to " deceased ''. It is incredulous to me that with the click of a few buttons in your data base showing me as " deceased '' should become an issue that I have to fix!!! 

Your immediate attention to this issue is vital. And provide a written notification to me that you have corrected your error. I can not enroll with XXXX credit monitoring until my status of " deceased '' is changed to " living '' in your data! 

With quickest regards, XXXX XXXX XXXX XXXX ) CC : Consumer Finance Protection Bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Experian, XXXX and XXXX show Hard inquiries on my credit scores and Summary.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans, each is a consolidated loan. XXXX is subsidized and XXXX is unsubsidized. I have been on an income-driven repayment plan since the end of my grace period, which was approximately XX/XX/XXXX. I have consistently paid more than the minimum payment in order to cover the minimum payment plus all of the interest that accrued for that month 's payment. However, I was not told until XX/XX/XXXX by someone named XXXX at Navient customer service that those overpayments I had been making were not allocated in the most cost-efficient manner for me. At the time she told me this, I had no idea that was even a potential problem. I just assumed Navient would allocate the payments in my best interest because no one ever asked me how I wanted them allocated. Furthermore, I have never been told how each payment was allocated and I can not find any place on its website where it shows me exactly how each payment was allocated to my XXXX loans. Therefore, I do n't know how much extra interest has accrued because of Navient 's secretive allocation of my money. As a second, separate complaint, I was also told by a Navient customer service representative that my total unpaid balance on both consolidated loans that I see on my log-in page does not reflect each payment I make, rather those unpaid balances are adjusted to reflect all payments only XXXX times per year. Therefore, unless I keep track of every payment I make and check my unpaid balances quarterly, I really do n't know if/how my money is being allocated to my loans. ( It should not be difficult to change the website to account for each payment Navient receives so that I can have peace of mind that the payment is n't getting lost or misapplied immediately after it 's paid ... banks can keep track of constantly changing bank balances without a problem, so why ca n't Navient? )

Company response to consumer: Closed with explanation