milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was informed by keep your home California to enroll in the " Unemployment Program : Forbearance Plan '' with my bank CHASE. Then I was informed that I was accepted on the program and they ( CHASE XXXX sent me a forbearance agreement saying that I should not be paying any monthly amount. Later, XXXX XXXX XXXX informed me that if I wanted to make a payment I could. I said no because I read in the agreement in section " B '' that " your monthly forbearance payment amount [ is ] {$0.00} ''. Thus, I started not making payments according to the agreement. After a few months XXXX XXXX 2014 ) of no payment and checking with them how the process was going then I found out that I was been reported as late all this time, not as in forbearance as should of been. Indeed, I received a letter in XXXX XXXX stating that I was past due. When finding this out I started making payments and complained to them for the wrong information given to me and they said it was not their fault. I complained also with XXXX from XXXX in XXXX XXXX as I think they are partners. He said he " will check into it ''. In the same month I got another letter from Chase saying that I was approved for a loan modification program and payment plan was detailed there for me. It seems like the information about the forbearance was not processed properly within their company and now recently I 've found out these late payments are reported in my credit report. I have been adversely affected by that going in my score from the XXXX 's to the XXXX 's. In XXXX I also spoke to XXXX about the forbearance and my issue with my credit score, he was the person who finally ended up processing my loan modification. Until this point they have not done anything to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with Union Adjustment Company, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: UNION ADJUSTMENT CO, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, CA XXXXIndividualOriginal CreditorXXXX XXXX {$97.00} They have XXXX and XXXX infractsions on my credit and they continues to validate their collections to XXXX, yet each record is in XXXX on my credit report. XXXX and XXXX investigated and removed them from my credit but XXXX will not and they actually continue to grow. They just added more and damaged my credit by XXXX points. I do n't have money for a lawyer at present or I would seek damages cause this has been going on for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: For the past 6 years my mortgage payment including escrow has fluctuated between {$1200.00} and {$1400.00}. My most recent statement from Nationstar mortgage states they are raising my payment to {$2200.00} ( we have a fixed rate ), and I have a {$6500.00} escrow shortfall. How can a mortgage company justify such a huge increase, we borrowed the amount we did because that is what we can afford, now they are trying to charge us an amount that would be sufficient for a $ XXXX house when we only borrowed $ XXXX, this is almost double and highly impractical. I do feel that both our mortgage company and home insurance company are practicing predatory lending and unfair charges. I would like to have both companies contacted ( which I 've done ) to find out how they justify these extreme price/payment increases. Below is what I 've sent to the mortgage company already. 

How do you end up with a shortage of {$6500.00}, when that is the yearly total of my insurance and property tax? There is definitely something fishy with your estimation and payments of my ins. and tax. For instance my insurance is due once a year for a total of {$5100.00}, which you paid in XX/XX/XXXX or XX/XX/XXXX, and my property taxes barely exceed {$2000.00} for the year. If you paid these already there is no way I 'm that far in the whole. Secondly, how do you expect a borrower to just come up with {$6600.00}? And charging {$1200.00} a month for escrow is insane on a mortgage that is barely $ XXXX. You have definitely made an error somewhere and you need to recalculate. I 'm going to write the FCC and any and all other governmental agencies that monitor Mortgage lenders and protect borrowers from predatory lending as this is not fair at all. You may also want to consider contacting my insurance as they mistakenly billed again the {$5100.00} in XX/XX/XXXX or XX/XX/XXXX which I called them on and they reversed as it was paid in XX/XX/XXXX or XX/XX/XXXX, if you paid that twice that would explain the shortfall and that should not be passed on to my wife and I in such an extreme matter as you are doing. Either Nationstar or XXXX need to improve the payable & recieveable departments or both!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: On XX/XX/2017 I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/2017 and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/2017 to which I immediately called XXXX for an opt-out again. Today, XX/XX/2017, I received another XXXX XXXX mailing. I thought something was not right so I pulled my Experian credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.

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 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Experian and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, 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 04-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I deferred my payments for the last 2 years but have been regularly making my payments for the last 5 months. The payments keep steadily increasing every month, from {$130.00}, to {$230.00}, to now {$460.00}. Every payment made has gone directly to interest, and the total amount owed, the balance of the loan, continues to increase every month. So with my payments the debt is increasing and never goes down. I owe {$35000.00} at between 4.5 % and 6.8 %. I owe about the same on my car at a higher interest rate with the same monthly payment, and with every payment made I see the total amount owed decrease. I do not understand why my payments are increasing & my total debt owed is increasing. At this rate I will always be making payments and the debt will never be settled. I am very frustrated as at the same time I am not able to pull my monthly statements and track what has been going on. When I previewed the transactions last night, which is when I noticed how my payments were being applied and that my debt was continually increasing even with payment, I noticed that the last several payments were labeled unspecified. My loans are through Navient. I need to eliminate this debt and need a clear path to making this happen. I really would appreciate any assistance as I do not trust Navient and feel that I am being defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( notice their internal file number XXXX ). TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX   XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX {$63.00} not mine XXXX  XXXX XXXX XXXX  {$150.00} not mine XXXX XXXX   XXXX ****XXXX {$170.00} not mine XXXX XXXX XXXX XXXX ****XXXX {$200.00} not mine 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 02-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I took out a home project loan via a credit card at Wells Fargo, my normal banking institution. This was about 4 and a half years ago. It was a zero interest card as long as I made monthly payments and was not late. Well with three payments left, I get a new card in the mail and my old account showed as cancelled online. I called and they said that the automatic bill pay service was not active like it was on the old account, so I had to make a manual payment to avoid late fees and cancellation of my promotional interest rate. I did that, and then they proceed to take the original payment out as well. I am irate because I spoke with them about this beforehand and now they are holding on to more of my money that I do n't have access to. Very shady business practices.

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 08-11-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (DE).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I 'm attempting to refinance a home equity line of credit with XXXX. XXXX pulled a property title report showing an unresolved lien from XXXX from XX/XX/XXXX as well as the current mortgage, which was acquired by XXXX in XX/XX/XXXX.
I e-mail 'd XXXX XX/XX/XXXX, to request the lien be released. I received an e-mail reply from an XXXX XXXX that this request had been prioritized with the Lien Release Team and would be completed in 30 business days.
OnXX/XX/XXXX, I e-mail 'd and requested a status. I received a reply from XXXX XXXX XXXX that the request would be completed in another 15 business days.
On XX/XX/XXXX, I spoke with a XXXX XXXX at XXXX, x XXXX, who told me the lien release request had supposedly been escalated after my last e-mail, and he would call me back within 1 business day. I never received a return call, nor has he responded to v-mails I 've left since.
On XX/XX/XXXX, I opened a complaint with the Delaware Attorney General 's Fraud and Consumer Protection Division and e-mail 'd XXXX and advised them I 've filed the complaint. I have not received any response from XXXX.
The AG 's office suggested I contact the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. M y credit score w as wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   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 09-09-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NV).
Issue: Problems when you are unable to pay

Complaint: I found out my vehicle was up for repo while trying to make a payment and called to take care of it. I made arrangements with a supervisor in the collections department and we came to an agreement on how to take care of the balance. He explained that the payment must be made via XXXX XXXX or XXXX, but I was at work so could not go to a location, which I explained to him. He then told me that there was a way to send it via money gram through the internet, so I told him that I could get access to a computer at work and I would send it by XXXX in my time zone at the latest. He told me that was ok and said to just call his direct line the next morning with the details of the payment. They repossessed the vehicle anyway at approximately XXXX, even after the arrangements were set. Instead of admitting fault, they wanted more money. As if as soon as they found out I was able to pay they figured they would take it and try to get more money out of me. Once I learned the car was taken I called the same supervisor since he provided me his direct number and said that the arrangements we made were no good. When I asked him why they would come take it even after we made arrangements and after he knew that i was sending the payment that night. He told me EVERYONE says they 're going to send their payment, as if I never planned to send the payment. The thing is, the whole reason I found out that it was put in to repo status was because I was trying to pay a payment, which I made very clear to multiple people that I spoke with.

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 01/25/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We bought a house in XXXX XXXX, CA -- XXXX/XXXX/XXXX. Our mortgage was handled by a company called XXXX. Soon after the mortgage was sold to GMAC. Shortly after that OCWEN took over the mortgage. The other day we got a notice not to send our payment to them but to XXXX instead. This is all so frustrating and wreaks of the XXXX mortgage nightmare. XXXX has no record of us on their books. I have been on the phone for over an hour on hold with XXXX to get help. I pay my bills on time. I have received nothing from XXXX and the XXXX is a week from today. I need help to solve this and to reach these people and hopefully put a stop to this madness. Besides paying pawn shop interest rates on the principal these companies could care less if this sort of thing puts us out and takes up our time to reset things with their website to pay our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit agency ( Trans Union ) has reported an installment loan from a " sub prime '' lender ( XXXX XXXX XXXX ) that negatively effects my credit rating ( which does not belong to me ) and claims they have verified with XXXX XXXX that the transaction is mine. I tried to contact XXXX XXXX XXXX at the address given XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX ) and there is no XXXX XXXX Office in that town and the phone # sounds like a fax signal. Trans Union offers to submit dispute electronically ( XXXX time and expects to get a different response ) but will only submit Social Security number info ca n't or wo n't ask for contracts or name and address or any other pertinent information. So the disputed transaction ( even though the account is closed and does n't belong to me ) stays on my credit report as a negative factor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (UT).
Issue: Managing the loan or lease

Complaint: My wife and I took out a loan with CNAC finance XX/XX/2016. The payment is due twice a month ; the XXXX and the XXXX. We bank in another state and my wife employer does not offer direct deposit. The bank takes two business days to process a mobile deposit, which is the way my wife deposits her her check. Thus her payment might be a few days late. We explained this to the dealership when we got the car. They said this would not be a problem. 

Now the CNAC is calling us two or three times a day on the due date harassing us about the payment. I went in to have the oil changed at XXXX Byrider on the day the payment was due and the manager came out to the shop and began to question me about my payment in front of everyone in the shop. This was not only embarrassing, but also humiliating. I could understand if the payment was late, however that was not the case. 

Now to top it all off, they have called me and my wife a total of 5 times today to remind us that the payment is due. This has gone past harassment. I called them and asked them to cease and desist and if they need to contact me to contact me by mail only, and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've tried numerous times in telling Equifax that the XXXX XXXX account is CLOSED. I no longer have the credit card, XXXX XXXX has already charged off my account and sent it to collections. Under these circumstances it 's impossible that my account would be reporting as open, yet Equifax is refusing to read my disputes and is ignorantly not looking into the account status ( which if they did, they would see this is an closed account ) The attached document will show that this account was charged off ; something that would n't be possible if the account was still open

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Retailers who others put in their business permits and ran raido and media and accounts who frauded back my documents stack. A I have two boat captain in my documents stack. Others in Florida frauding my documents and as boat 's and marina permits frauding back USA XXXX XXXX accadamy of XXXX XXXX Indiana. 

Frauding scams frauding my brother documents of XXXX XXXX XXXX XXXX XXXX Indiana birth certificate of XXXX XXXX XXXX later changed in early XX/XX/XXXX to XXXX XXXX XXXX then thru my mom 's 2nd marriage to XXXX XXXX it was changed to XXXX XXXX XXXX XXXX Then others frauded boat captain of XXXX XXXX XXXX of XXXX county Indiana and his mom of XXXX XXXX XXXX XXXX of XXXX county Indiana who is XXXX. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are registered through XXXX  XXXX Indiana USA XXXX XXXX accadamy as XXXX XXXX through power squadern. 

Small water craft Then myself after boating for 20 years with boat captain was a first mate declared by others boat captains My XXXX birth certificate of XXXX county Indiana my legal father of my Mom first husband of XXXX XXXX XXXX his was was prior USA XXXX I XXXX XXXX XXXX XXXX XXXX prior USA XXXX My brother of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Prior USA XXXX XXXX XXXX sister marriage to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX   county Indiana XXXX XXXX was prior USA XXXX My mom 's 3rd Husband of XXXX XXXX XXXX was prior USA XXXX You have a 50 states grocery store and diners menus and shopping malls locations and shopping malls and other herds and others boat scams and business permits and schools and colleges and internet herds listings scams and realistate business and banking permits and auto stores and land development hooked up on my documents hooked up against USA XXXX XXXX documents and verterns documents Federal and state not authorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I lost my home because  Ocwen Financial  lied to me about my low income home modification applications were denied and I had to fill out more the loan modification package 's more than  XXXX  times and the would tell me after I went and paid for faxing them They did n't get them or they could n't find the paperwork I sent them. I did this over and over and finally they said I was not approved. They started foreclosure on me and gave me only 3 month 's to vacate or said I had to pay them in full. They had  XXXX  payments paid ahead and I was n't behind in my payments. I get a letter from the Government that I had been approved for the loan modification for {$250.00} a month. I had to do a quick sell for just {$3000.00} for my home.  Ocwen  caused me so much stress and I went into deep  XXXX  and had a very bad nervous breakdown. I was in the  XXXX   XXXX   XXXX . I lost everything I had worked for my entire life because of Ocwen. The letter I received from the  XXXX  said I could get my home back but it was sold and rented out and destroyed by the renters. I have no money to sue Ocwen and I need help to get my money I lost from my home.

Company response to consumer: Closed with explanation