milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Managing the loan or lease

Complaint: XX/XX/2016 I bought a car from Honda here in XXXX XXXX, a Chrysler PT Cruiser. It was financed by CPS INC located in XXXX XXXX. This car has had major problems costing me close to {$2000.00} to repair to date. I 've tried to trade this car do to the fact my payments have been on time and up to date just to find out this car has structural damage which was kept hidden from me due to the fact it was not on carfax. I was informed this by XXXX different car companies who both told me this car should not have been sold to me.This car was bought at an auction and the car company was informed which they lied when I went back, not knowing both companies gave me the paper proving they were told. I informed CPS of this when i needed to call them and get my payment moved back a couple of weeks due to one of these high prices to fix this car. No one will trade this car CPS wo n't even help me. I 'm just about out of all my savings and will not be able to keep up with my payments if I have to keep fixing this car besides how dangerous it is to keep driving. please help me if you can I 'm drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for and entered HAMP mortgage modification because I am XXXX on SSI XXXX XX/XX/XXXX. Before and during entry into program I asked no less than XXXX representatives in recorded conversations if I could take the modification but make full payment as I was afraid to ruin my credit after recovering from divorce induced bankruptcy in XX/XX/XXXX, I was told that I could do that by sending I the modification coupons with a note stating my concerns and enclose full payment and that it would not affect modification chances. 
On XXXX XXXX XXXX I received a letter from Chase stating I would not get the modification because if I could pay the full payment then, I could continue to pay it. Upon receiving this, I called Chase and explained that I was told that was not going to affect the modification. I was told the lender said no and that was that. 
I entered a complaint with cfpb stating all the above in detail. cfpb followed up with Chase bank and on XX/XX/XXXX I received a call from my representative saying I WAS getting the modification and I would have it updated by XXXX XXXX XXXX. I spoke with the rep again on XX/XX/XXXX and he said same thing ... go ahead and use modification payment coupon and all would be done by XXXX XXXX. On XXXX XXXX I received a letter that MORE TIME was needed for a decision! I called the rep 7 times to ask why I received that letter when he told me XXXX XXXX all would be done and I was getting my modification. He never returned my calls. His assistant called and said she was calling to tell me they received my calls but she could not talk about my case. She said she was transferring me to my reps phone. After 32 minutes on hold I hung up and re-dialed him directly to no avail. Today XX/XX/XXXX I called the main service number and talked to another rep. She had no trouble discussing my case and told me NO DECISION has been made and they need more time to review. I told her I was going to contact cfpb again at which point she because very surly and told me if they say they need more time, then they need more time. I asked her why my rep would not call me back knowing that I called 7 times stating I was going into the hospital tomorrow for XXXX and really needed to speak to someone. her answer was ... ask him! I have been lied to strung along and ignored. I explained that they only reason I was able to make the mortgage payments was that I borrowed the money from my daughter. They did not care. This program is to help people struggling and as a XXXX XXXX year old on a very low fixed income I sought that help and was mistreated and misled. The reference former complaint is XXXX if there is anything else needed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX I received a text message that my checking account with Chase bank was overdrawn, I went to Chase on line to see why my account was overdrawn, I was shocked to see that there were numerous of charges debited on my account to XXXX XXXX in different amounts. I called the bank and spoke with XXXX in dispute & resolution on XX/XX/XXXX. XXXX told me that the charges went further back that 60 days and that I would only be credited for the charges form the last 60 days, I was disappointed with that information, but decided that it was better than no credit at all. On XX/XX/XXXX I received a text say that my account was overdrawn again. So I went on line and saw that the credit had been reversed. I spoke with agent XXXX and she told me that since I had not reported the charged in XX/XX/XXXX the bank was denying all the charges. I explained to her what I was told by XXXX previously. She said that it did n't matter. I requested to speak with a supervisor, her name was XXXX, she said that federal regulation bars Chase Bank from crediting me any of my money that someone took from my account. I have read CFPB and that is not what it says. I was told by a bank employee that I would be credited the last days. I never received an notice of the decision to take the funds out of my account, which is required by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was trying to receive tax information to file our taxes. When I called Navient, they said I do n't have a loan with them and we 've been paying them for years. I 've been paying them since Navient took over the loans from XXXX. I asked the technician about where my payments had been going he could n't give me an answer and told me to call another number to find out where my private student loan was. The number belonged to XXXX. They pointed me to XXXX who handles federal loans and not private loans. They 're giving me the run around and I still do n't know who I 've been paying and where my loan is right now, as well as my tax information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Taking out the loan or lease

Complaint: I applied to Bank of America for a car loan on the purchase of a used car from a private owner. I was approved for the minimum loan of {$5000.00} by Bank of America ... I sent the registration and title creating a lien interest in Bank of America. Bank of America has reneged on the car loan and has failed to return the title and has failed to release the lien

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America lied to me to foreclose on my home told me they wouldnt foreclose I have a document with phone numbers and dates of everyone I spoke with who said they would not foreclose the very next day they foreclosed anyway even though I was in bankruptcy

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 02/24/2016 about Debt collection (Credit card) with D2 Management LLC (PA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: the caller NEVER STATED FROM A COLLECTIONS AGENCY, NEVER STATED XXXX RIGHTS, THE CALLER THREATENED LAWSUITS AND SAID I WAS IN VIOLATION OS LAWS, THE CALLER TOLD ME I WOULD GET WAGES GARNISHED ( HOWEVER IN A STATE THAT DOES NOT ALLOW THAT ) I WAS TOLD I MUST PAY THIS OR ELSE ( DEBT IS MORE THEN 7 YRS OLD. AND PAST THE 4YR STATUS OF LIMITATIONS ), THE CALLER WAS XXXX, XXXX, THREATING LEGAL ACTIONS AND SAID THEY WILL TAKE ME TO COURT IF NEEDED AS WELL ( THERE A 3RD PARTY NOT THE ACTUAL DEBTOR ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Medical debt) with Rash Curtis and Associates (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received from Rash Curtis & Associates account # XXXX dated XX/XX/XXXX Re XXXX XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX Hospital {$1200.00} Please note that did not receive Medical Care from XXXX XXXX XXXX XXXX. The debt is not mine and is possible identity theft. Attached are documents showing that I owe XXXX XXXX Hospital for Medical charges from XX/XX/XXXX not XX/XX/XXXX am currently on a payment plan of {$50.00} per month the account # XXXX Furthermore, attached are document showing that I received Medical Care Urgent on XX/XX/XXXX from Urgent Care in XXXX, CA totaling {$68.00} was paid in full at the time services were rendered my visa Debit Card. Please note that these charges are false in my opinion identity theft. Also, note that I am on Worker Compensation for the XXXX XXXX XXXX XXXX with XXXX XXXX claim adjuster names are XXXX XXXX XXXXXXXX XXXX ex XXXX & claim adjuster XXXX XXXX ( XXXX ) XXXX Claims # XXXX state claim # XXXX & XXXX ( please note that this injury was not registered with the state of ca because this workplace was injury was caused by a co-worker at in the Direct Sales Department named XXXX XXXX ). Also, note that XXXX XXXX attorney named XXXX XXXX XXXX of the Law Firm XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I have been doing research into a mortgage refinance and spoke with an agent, XXXX XXXX at loanDepot, about rates for the loan. After sending an estimate. XXXX XXXX asked for a credit card to keep on file in the event that I decided to proceed with my refinancing application with loanDepot. He then told me that I should lock in the rate he quoted by paying {$10.00} immediately. I told him that I did not authorize that charge and would let him know the next day if I wanted to proceed. The following day I received a notification that the {$10.00} fee had been processed, per my authorization. XXXX XXXX sent me an emails stating in part, " Hopefully by saving an additional {$310.00} in price timing, you will forgive me for the sudden {$10.00}! ". Because I explicitly did not authorize this charge, I would like to warn others of this fraudulent behavior.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.

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 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: My Loans are over 20 years old, they were with XXXX XXXX XXXX that sold them to XXXX XXXX or Navient. They are at this highest level they have ever been. I am almost XXXX years old and have no way to pay these back?
Help After 20 Years?
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We have gotten behind in our Mortgage a few times in 27 years because of XXXX XXXX or loss of work, me after 16 years, my husband has been at his job for 35 years. CitiMortgage has stole our money, at one point we owed {$6000.00}, but had to pay {$12000.00}, My husbands XXXX gone {$100000.00}, so now XXXX says we owe {$190000.00}. I now work XXXX jobs, paying {$1600.00} a month. Forced to file Chapter XXXX bankruptcy to avoid foreclosure, I have fought so hard to keep our home, its wrong and unjust.

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 10/28/2015 about Credit reporting () with U.S. BANCORP (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my credit report, I noticed that USBK employees had initiated an unauthorized and fraudulent inquiry into my XXXX credit report XXXX/XXXX/2015. I did not at any time authorize or consent to USBK to review my report for any purpose. This egregious act is in clear violation of my Privacy Rights and FCRA 1681 b ( c ). 
I am requesting for any verifiable evidence to support any consent I may have given to USBK employees for this gross negligent act to be provided me within 5 days for my verification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IN).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I am a XXXX year old widow who tried to refinance my home, but was denied because I had gotten 3 judgments against me, after I had no income but soc. sec. I admit that was not a good thing, but could not be helped. I have not been behind on any house payment. My daughter had lived with me and was helping, but she passed in XX/XX/2013. All I wanted to do was lower my interest. We get these young people coming in and they can get it. Can you explain why we are being punished for trying to get ahead.

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 10/13/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting the CFPB as I am stunned and scared as my mortgage servicer, CitiMortgage denied my request for a loan modification because the FHA loan I have that is co-signed by my brother ( who quit claimed off the property XXXX/XXXX/14 ) also co-signed for a loan with his girlfriend with XXXX XXXX and that loan happens to be an FHA loan. That loan was taken out a few years after my loan so I can not understand why this is being held against me and CitiMortgage will not modify my loan because of this. I went online and pulled the FHA handbook guidelines refernece Handbook XXXX : XXXX stating this is the exception and not the rule. I tried appealing the decision and they came back today and stated my only option is short sale. I have nowhere else to live and I started working a XXXX job for the past year just to be able to afford this home. It appears from the FHA handbook an exception can be made considering I live in the home, my brother does not and we have a recorded quit claim deed. - XXXX Non-Occupying Co-Borrower. A non-occupying co-borrower on property being purchased with an FHA insured mortgage as a principal residence by other family members may have a joint interest in that property as well as in a principal residence of their own with an FHA insured mortgage. XXXX See HUD Handbook XXXX for additional information ). Under no circumstances may investors use the exceptions described above to circumvent FHA 's ban on loans to private investors and acquire rental properties through purportedly purchasing " principal residences ''. 

Considerations in determining the eligibility of a borrower for XXXX of these exceptions are the length of time the previous property was owned by the borrower and the circumstances that compel the borrower to purchase another residence with an FHA insured mortgage. In all other cases, the purchasing borrower either must pay off the FHA insured mortgage on the previous residence or terminate ownership of that property before acquiring another FHA insured mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX terms of contract were violated. I could not get XXXX to honor their end of the contract by providing me service in my home XXXX. Extremely fraudulent contractual obligation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Portfolio Recovery Associates is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Complaint Description : When I left Virginia I paid off all my bills including paypal, Then Months after I moved I get a bill with late charges that I never made. I called them when I received my bill just saying pay this amount. I told them I have not made any charges since paying it off. They asked me if I denied the charges I said yes I did n't buy anything. They wouldnt even tell me what the charges were, they said they seen that I paid it off and there was charges after that. I told them I did n't make any charges and told them to put it through Fraud. I then received a letter in the mail telling me I 'm responsible for the bill that I did n't make and I appealed the decision, I never heard back anything and then I get another bill with a another late fee or XXXX. I am not paying for charges I did not make and they are not resolving this

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion is releasing my credit bureau to individuals who do not have a right to access my credit. They 're then reporting this an an " inquiry '' that affects my rating. Furthermore, they are also reporting and account I never opened, authorized, or used. The improper data is as follows : XXXX I never opened, authorized, or used this account. The following inquiries were not authorized by me and are not as a result of fair use : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, 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 explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On Monday XXXX XXXX XXXX I made XXXX Transaction of XXXX and XXXX which were taken out my account. then the next I transferred XXXX to my personal account then I paid my credit card via debit card for XXXX. So the bank decided to hold all of my first transaction till the largest one went thru, then they proceeded to allow them to go thru so the can get the fees. this has happened many times in the past and they have stated to me that they feel the largest one is the priority

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