milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Copy of letter sent to Navient : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX Account : XXXX To Whom It May Concern, On XX/XX/XXXX I spoke with a representative about switching my repayment plan to the new REPAYE program. The representative informed me of how to apply for the change ; part of the new application was to apply for a one-month forbearance, call as soon as I submitted the application, and make a {$5.00} payment. 
I submitted the application the next day. On XX/XX/XXXX I spoke with a representative to make the {$5.00} payment. I was informed that a one-month forbearance would capitalize all of my interest unless I made a full payment of {$630.00} by XX/XX/XXXX. I agreed to these terms, and looked at my options to make this full payment. Later on the same day, I saw that I could have the money ready for payment by XX/XX/XXXX.

I received several correspondence letters, one with the terms of the forbearance. It stated that payments will resume on XX/XX/XXXX. 
On XX/XX/XXXX, I received a correspondence letter stating that I have been approved for the REPAYE plan. When I logged in to see what my new payment would be, I noticed that all of my interest was capitalized less than a week after my forbearance was approved. 
I spoke to a representative, who informed me that the forbearance was set to end on XX/XX/XXXX, not XX/XX/XXXX. I asked for the capitalized interest to be removed, thinking there was an error. The representative stated that she can not do that, but she can transfer me to a supervisor. I spoke with XXXX, who again told me the same information. She told me that a new policy back dates forbearance approvals this meant that my forbearance began on XX/XX/XXXX, and was scheduled to end on XX/XX/XXXX. 
XXXX instructed me to write a letter with this information ; she also sent the case to review. I would like the capitalized interest removed from my account. I do not feel that forbearance terms should be changed without informing the customer. I have submitted a {$650.00} payment, which will make my account current to the terms I was given. I have also included a copy of the letter of my forbearance terms. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX Follow up : I did not know about CFPB complaint process until recently. I received a letter from Navient stating they were correct in applying the interest, despite the fact they retroactively applied it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax has mixed up my information with my sisters who lives in  XXXX   XXXX . I 'm a client at  XXXX   XXXX  #  XXXX , they have worked with equifax to correct the problem. My sisters name is  XXXX   XXXX , she was married with the name of  XXXX . My name is  XXXX   XXXX , that is my maiden name, I have never been married and I have never lived in  XXXX . I have always been a   XXXX   resident. Although I faxed equifax my birth certificate and social security number and state license, the current address on my report is a  XXXX  address which I informed them was not mine but my sisters. They refused to correct this and have allocated my information to my sisters file. Her house, car, loans, children 's car loans were put on my file even though she has a different ss number and dob. All of my legal documents and business accounts are in my legal name which is  XXXX   XXXX  I 've been dealing with this for over 6 months, and could not apply for a mortgage as this information is incorrectly reported by equifax. Please help me I 'm not rich enough for further lawyers and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/XXXX i was turned down for a apartment XXXX in XXXXXXXX due to a past rental debt/judgement that i was unaware of with XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and property mangement XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OfficeXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of my lease XX/XX/XXXX i complained about several repairs needed to the property such as Air conditioning not fully working properly, and suspected mold showing in the home. I as well as my families health deteriorated in the home, and served XXXX letters certified as stated in the lease. I also went according to the attorney general page to look for direction on this. I am upset because XXXX XXXX took it upon themselves to serve an ILLEGAL Eviction when their was no one in the home, they were notified of the reason that i was leaving per my lease. I have served the property management XXXX a letter and they are stating they no longer are over the property and that i would need to speak to XXXX XXXX who does not reside in the XXXX area. I wish to have this infallacy removed from my credit and also i will filing a civil suit against XXXX XXXX. Please assist with this matter before it turns to the court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a voicemail about a debt from 9 years ago from a respresentative stating to work for XXXX XXXX XXXX number XXXX XXXX XXXX XXXX. Unsure of the debt I contacted the phone provided and was informed that they were suing me for a debt I apparently owed in 2008 to Kay Jewelers for {$2000.00}. After informing them that I had no knowledge of the debt or have I received any communication of the debt, he informed me that I could no longer challenge whether the debt was actually mind. He then gave me XXXX options to pay the debt. I refused stating again that I can not pay for something I do not owe. He then threated that I was being sued and that my wages would be garnished. Before I could ask any more questions, the representative stated, " Good luck in court '', before hanging up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: mailed mortgage payment on XX/XX/XXXX - PNC says they still do n't have payment - agent on phone said she just had another call on the same thing, the 2nd time this has happened to me with them and I take it very seriously. do n't have deatils from the 1st time, but started watching every payment closely, 10 days later they do n't have check? I feel something is wrong with their payment handling

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Transaction issue

Complaint: When I used my American Express " Bluebird '' card at a gas pump I used my old zip code ( we just moved ) and the pump declined the transaction. Yet it put a hold on all of the funds on my card. When I called the company they will not release it for 8 days. I went to the owner of the gas station and they are large enough that they told me that they automatically released the hold to American Express. I got the Amex rep on the phone with the vendor who told Amex they would fax a release. Amex would not release my funds. I am denied access to my money for eight days and my transaction was declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovate Managed Holdings, LLC (KY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This account was paid in full by my insurance company! The car was a total loss at time of wreck! There should not be a charge off for this account! There was insurance and gap insurance on this account and was paid in full by them! I want the charge offf removed and made paid in full my credit should be fixed due this was paid in full in XXXX of 2016

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My house is in foreclosure at this time Loancare send all my mortgage payments back. I usually paid my mortgage through XXXX XXXX. My payments from XX/XX/2017 got rejected and sent back to XXXX XXXX without any notice to me and been there ever since. I tried calling a few times to get help and had no luck am scare to lose my house.

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 08-07-2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Is there a past due balance? 

If so, why? 

Is this account current and in good standing according to PennyMac? 

I see the principal balance did not change from XXXX XXXX XXXX 's XXXX 2015 principal balance from XXXX 's Principal Balance even though XXXX 's payment was posted. 
XXXX 's ( XXXX XXXX XXXX 's XXXX Principal Balance XXXXPennyMacs XXXX Principal Balance : XXXX 2015 yearly escrow need funding? 


2015 Yearly TAX Escrow : {$740.00} a year. {$370.00} X XXXX XXXX XXXX XXXX : {$1200.00} Yearly escrow for home insurance and taxes : $ XXXX so ... .. how much do I pay towards escrow and how do I pay? 

Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account.

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 04-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Unauthorized credit cards listed on my credit report that I did not authorize while also pulling my credit report. My personal and private information was pulled on XXXX XXXX, XXXX by XXXX XXXX XXXX in California which was deemed impermissible. My personal and private information was also stated in audio copyrighted in XXXX XXXX that is now public knowledge ( ref # XXXX ) Since this person responsible for obtaining my social security number had XXXX pull my information, I have had attempts of people trying to use my social security number to open accounts in my name.

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 02/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Billing disputes

Complaint: In XX/XX/XXXX I purchased merchandise from Furniture Row in XXXX Colorado. At that time I was told that I would not receive my merchandise until XX/XX/XXXX. I then got the couches delivered XX/XX/XXXX. I then get a bill in the mail in XX/XX/XXXX stating that the payment was due on the XX/XX/XXXX, and I noticed that they were hitting me for late charges as well as a past due amount. I called XXXX and tried to figure out what was going on. They told me that I was 60 days past due!! I asked them why I never received a bill, and they told me that I was set up for paperless ( I did not agree, nor did I ever set this up ). They then told me that they sent out emails to let me know. I asked them what email they had on file and it was a email address for my ex wife. They then fixed the email address, and took off the late charges. I paid the amount owed for the bill, and was told that I could dispute the hits on my credit. when I called them to do so, they told me that there was nothing they could do for me, and told me that because I never paid on time they would not take the hits off my credit. I was never notified of a bill until XX/XX/XXXX, and this was after I received the merchandise. They had me set up for paperless, without me knowing, and were sending to an email that I never even had. This has dropped my credit score XXXX points in 30 days and I need help getting this off my credit. If the process was done the right way I would have had no problem paying in XX/XX/XXXX, as well as XX/XX/XXXX even though I did not have my couches. This process was dropped by XXXX as well as Furniture Row, and now I am the victim of false reporting, and billing practices. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Bank account or service (Other bank product/service) with Arbor Residential Mortgage LLC (MA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX XXXX sold my loan mid-modification to Seneca Mortgage. Seneca declined to continue with the the modification. Seneca foreclosed on my home on or about XXXX/XXXX/16 and recorded a Foreclosure Deed on XXXX/XXXX/16 at the XXXX Registry of Deeds, at XXXX XXXX, Page XXXX. Subsequently, they sold my foreclosed loan to XXXX in XXXX of 2016, who is now listing me as a debtor, when I have not owned the home in approximately 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (AZ).
Issue: Account opening, closing, or management

Complaint: I opened an ( online ) Synchrony bank savings account and Synchrony proceeded to mail letters with my FULL SOCIAL SECURITY NUMBER, obviously along with my full name and address. My birth date may have even been on the letter as well. After contacting Synchrony to file my complaint, they indicated that they had sent out several other letters with my full social on it. I only received the XXXX letter with my social and am extremely concerned the other letters with my social were intercepted. I would n't be so upset if it was only the last XXXX of my social. But the full social is ridiculous.

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 12-02-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have been calling for months to get this taken care of and have been told u have received the proper paperwork for my bankruptcy and it will be " made right '' in 6 to 8 weeks and that never happens!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Credit card) with AllianceOne Recievables Management (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2014, we fell behind on making a credit card payment. We were contacted by AllianceOne. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from XXXX XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: CitiMortgage is still reporting a 30 day late payment from me on both XXXX XXXX and XXXX from XX/XX/XXXX. This delinquent payment occurred 15 years & 8 months ago. CitiMortgage has been asked by XXXX XXXX on my behalf to remove this ancient information from both agencies. They are refusing to do so stating that it will not be removed until XX/XX/XXXX ( which is one month shy of 16 years ). They  are well past the statute of limitations for negatively reporting this credit issue against 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 08/17/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/XXXX XXXX XXXX said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company ERC the amount is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a debt that is past the statute of limitations listed on my personal credit file. I have brought this to the attention of Equifax several times with no outcome. Please help assist me the account is XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have disputed error 's on alleged collection accounts that are reporting negatively on my credit report. I have tried my best to contact all parties. I can not dispute online on any of the XXXX major agencies website. I was denied a home loan XX/XX/2016. Because of this inaccurate data reporting. how come the XXXX bureau 's websites can stop allowing me access. also in the dispute process most accounts were updated against my wishes. is it legal to change an accounts payment history?

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