milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2015 about Student loan (Non-federal student loan) with NELNET, INC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The loan was provided by XXXX and is services by Firstmark Services. It was applied to my education at XXXX University between XXXX XXXX and XXXX XXXX. Prior to attending graduate school between XXXX XXXX and XXXX XXXX, I applied XXXX to set up automatic payments. Both times, the loan servicer reported never having received the required documents leading me to miss payments. After I completed graduate school and began to make payments again, I attempted for a XXXX time to set up automatic payments of {$200.00} a month. Again, the loan servicer reported not having received the request and resulted in my missing several payments. Additionally, they made no attempt to contact me via phone or email within the federally required time to rectify the situation, the first notification I received was this afternoon from the small loan provider I first dealt with when the account was 148 day past due. I set up automatic payments for the XXXX today but was informed that it would take 20 days to set up and the representative would not be able to see anything related to that request prior to that time. 

It is my belief that Firstmark Services intentionally " loses '' automatic payment requests in order to receive more money in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, I received news that Equifax was hit with a major hack a month prior, in which personally identifiable information ( SSN, full name, address, driver 's license number, etc ) was stolen. After following a link to an Equifax-established website regarding this incident ( equifaxsecurity2017.com ), I was able to confirm that I was a victim of this data breach.
Equifax is offering a year of free alert monitoring and identity theft protection as the only appeasement for their negligent mishandling of personal information, and has stipulated in the website 's terms of service that enrollment in such appeasement waives all rights to sue Equifax or participate in a class-action lawsuit against the company.
Equifax mishandled my personal, financially-critical information and failed to notify me in a timely manner. As a result, me and nearly 150 millio
n other Americans are at a very high risk for identity theft. I have trusted the company with highly-sensitive information, and the company has betrayed that trust outright.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: I believe that I was enrolled without consent or knowledge in Citi Identity Monitor. 

Customer Reference 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 04-03-2018 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Struggling to pay mortgage

Complaint: I was laid off and still trying to manage everything at the time my mortgage was {$820.00} rounded off. I was attempting to pay something every other week to stay on top of things. I was making my payments through the automated system until I was unable to do that so I then started calling in to make payments, some agents would take payment and some wouldn't take payment because it wasn't the whole amount. It's been a couple of things I find strange. 1. My mortgage went up and I didn't have a clue about it going up to {$940.00}, so everything that I had been paying was based on the {$820.00}. 2. I received a letter stating that an amount of {$3300.00} was due on XX/XX/XXXX. I called in concerning making a payment in XX/XX/XXXX, and of course, at this time no payments are being taken from me because the foreclosure process had started. Not only that I was told a completely different amount of the {$3300.00} that was in the letter, it was then {$6000.00} plus. I asked how did it go from {$3300.00} to {$6000.00} plus and never got an answer on that for me to understand why the letter stated one thing, and I was being told something else. I then asked about my options to see what could be done to save the house. I'm a little confused or don't completely understand the law about going through a modification process and being in foreclosure at the same time. My First sale date was XX/XX/XXXX, and now XX/XX/XXXX. It seems that we're spinning wheels now in this process because I'm being asked for the same documents over again that CitiMortgage has already requested and I provided to them. This request was made on XX/XX/XXXX, which I submitted to them through XXXX on XX/XX/XXXX. Based on the email from XX/XX/XXXX and a letter I received from CitiMortgage stated that the documents asked for in the email and the letter are the documents needed to determine the final decision. I received an email today stating that the file has been sent back for review, as well as two text messages on XX/XX/XXXX and XX/XX/XXXX stating that my application is with underwriting which can take 30 days and they will keep me advised.

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 12/13/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a complaint few months ago about my lender. I was contacted by an executive representative at PNC, XXXX XXXX. I was informed by XXXX that everything was a misunderstanding with my lender. XXXX advice not to worry that she was going to help with the mortgage. In exchange I was to dropped the complaint with the CFPB. Which I did n't do nor I agreed. On XXXX XXXX, XXXX informed me that my loan modification was approved for a trial payment in the amount of {$1800.00} with 2 %. On XXXX I was informed that the loan modification was denied because of title issues. XXXX advised to fax the requested document ( a letter changing the vesting on title ) once the that was received they were going to lease the trial documents. I faxed the requested documents to XXXX. A month of false information by an EXECUTIVE at PNC, I received a denial letter. This letter stated that my loan modification has been denied for all options. I 'm requesting for someone to PLEASE HELP ME. How can lenders play around with homeowners like that? This is not just a house its my life investment. They have played me as fool. I have spend so much money faxing everything that they have asked for. They misled me on wrong information. I am asking for you assistance. This cant end like this. I 'm trying to stay in my house and pay what I owe. Please help, I do n't want lose my home. 

Thank you in Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was done XX/XX/XXXX, on or about XX/XX/XXXX I was contacted by XXXX about the account that was delinquent via a letter. I contacted the office and send in to then the documents that I did not have an account with them that I was with XXXX wireless. The company at that time stated that my name was used to open an account, I at that time requested that information used to verified my identity and was not giving any documents. Later in XX/XX/XXXX XXXX sold the account to a collection agency, I also send to them the a copy of the police report with the identity theft information the credit company at that time removed this information from the record. I recently order a copy of the credit record and there is information there from this company EOS, collection. This company as recent as XXXX purchased this account and is reporting information that is false and incorrect. The company has very wrongful information on the record. Information that is relative important in order to properly identified me. Such as the DOB, Mailing address, when I request this information from them they refuse to provided me with the request. I have requested that they send me the documents used to obtain this account, name used, dob, and address. also prove that I owed this money XXXX. I have not yet received any information, instead I have been receiving phone call since know they have my phone number. I have contacted XXXX and there is no record of such account number, nor there are any records of any phone call ever made. There are no bills. So I ask why is this collection agency harassing me for monies that I do not owed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Other fee

Complaint: Prior to making some overseas trips, I consulted the chase.com website to determine if my credit card had foreign transaction fees. 

I logged into the secure section of the website to ensure I was accessing my information, and under my credit card account, under the things you can do area, the first item was view my card benefits. When clicking on that, I was taken to a page ( I have the screen shots taken afterward ) that clearly states that there were no foreign transaction fees. 

After using this card for purchases on my trips, I was charged secure transaction fees totaling about {$40.00} US Dollars. I have two other cards that also do n't have these fees that I could easily have used. 

I have since been working directly with Chase, via their secure message system, to reverse these charges. They refuse to acknowledge that their website directs me to this page ( which i have screenshots that it does ) and they claim that the agreement I signed calls for these fees. I asked for a copy of my agreement - they said they do n't have it because I filled out my application online. I have all of these messages. 

I asked for a payoff balance so that I could close the card and they refused to provide it. I have these messages as well. 

I would like help in forcing them to close my account, and ideally, to refund these foreign transaction fees, that they are falsely advertising on this card. 

Despite this, after several secure message exchanges with Chase, they res with Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: EXPERIAN Refused To Removed 2 Accounts From XXXX XXXX XXXX That on my credit report that should not be there. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report. 





XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Past due 180 days Status Updated XX/XX/XXXX Balance {$5100.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$690.00} High Balance {$5100.00} Monthly Payment {$100.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Now redeemed, was a repossession Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$570.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$39000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER

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 05-12-2015 about Debt collection (Medical) with Frost-Arnett Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: should have been covered by insurance was told covered and now they have placed it with collections. I have spoken with XXXX clinic to resolve on muliti time and they do not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Other mortgage) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (AL).
Issue: Credit decision / Underwriting

Complaint: We have been trying to close on our first home since XX/XX/XXXX. We have applied for a USDA loan. While going through the process we have given financial information, employment verification, letter of explanation for payments, and tax information to the mortgage company. We have had to get XXXX extensions on escrow. We are dealing with Paramount Residential Mortgage Group, Incorporated. Over this time, they have had us to re-send much of the information that we 've submitted during the beginning stages of the loan process. We remind them that we have sent the information, but they keep saying that it is for the underwriters. The claim is that the underwriters are trying to " dot every I and cross every T '' for the USDA loan. The problem is that the government has already approved the loan weeks ago, but we have yet to close on our home. We are also having issues with our mortgage agent, XXXX XXXX ; he does not return our calls when we inquire about what is holding up the loan process. This has been going on for several weeks. We are concerned that either they are losing our personal and financial information or that they are just holding up the process because they are getting some type of financial gain by holding up the sale of the house. As this process has gone on and on, I have seen the level of unprofessionalism increase to levels bordering on negligence.

Company response to consumer: Closed
Consumer complaint received 04-08-2015 about Bank account or service (Cashing a check without an account) with U.S. BANCORP (NV).
Issue: Deposits and withdrawals

Complaint: I went to the US Bank on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. XXXX XXXX was the teller that I spoke to. She was very courteous and professional. The problem is I presented a check drawn on US Bank, made out to my business, with a signature guarantee from XXXX XXXX, and she refused to cash the check or make it into a cashier 's check. I have done this without a problem before. She was nice enough to call a supervisor but the refused to cash the check as well. XXXX did mention that the " in store '' locations have different rules than the " main branches '' and to try again tomorrow at a different US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Consumer Loan (Vehicle lease) with VW Credit (VA).
Issue: Managing the loan or lease

Complaint: Earlier this year I had fallen behind on my lease payments with VW Credit. As of XX/XX/XXXX the total balance on my bill that I had owed them was XXXX. I made a payment of {$700.00} on XX/XX/XXXX. I made another {$700.00} payment on XX/XX/XXXX. My statement due for XX/XX/XXXX showed I had a remaining {$690.00} to pay. I paid the full amount on XXXX. My XX/XX/XXXX statement showed I had a XXXX balance and my next payment was due XX/XX/XXXX which would be XXXX. Today I checked my account and it is showing that I now owe {$860.00}. The additional money they are tacking on is {$210.00} personal property tax and a late charge of XXXX. I do n't know how I could have a late fee due or a personal property tax amount due if I had paid in full and my account was showing a XXXX balance due for XX/XX/XXXX. I do n't believe VW credit is being honest with me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: " Inherited '' mortgage after father died. Took7 months of repeatedly submitting the same paperwork to even get info on the mortgage, despite the fact that I 'm the executor. Went in person to branch, said they can not help because they are not corporate. 
Refused any forbearance while we were trying to figure out funeral costs, etc. 
Attempted multiple times to modify mortgage, but paperwork was " never received '' by Chase. 
Chase sold mortgage to XXXX, did n't tell me. Said they sent a letter that I never received. Presently can not make payments or do anything with mortgage because the transfer has n't been completed, according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My Mom passed away in XXXX XXXX. Her mortgage company, M & T bank, refuses to give me any information even though I am on the original mortgage and the title to the house. The house has been sold in XXXX and the mortgage paid in full. I am asking for the XXXX, and a refund of the escrow account. They refuse to do anything. They have NOT sent these documents out at all as we had the same address before she passed. Even if they sent this to her home address, it would have been forwarded to me. I believe the law is 30 days from payoff for the escrows, and XXXX/XXXX/XXXX for the XXXX. We have received nothing. Please assist. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these inquiries. being that they have gone past the allotted days and can not verify these inquiries, under Section 611 ( 5 ) ( A ) of the FCRA. they are requested to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possibly, Thank You Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Transworld system XXXX collection account showed up out of no where on my XXXX XXXX and XXXX credit report this account is identity theft police report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My father and I have the exact same name and similar SSNs. In the past the various credit reporting agencies would occasionally combine our credit reports in error. Every time I have gotten it fixed ( and it seems to have stuck with all by XXXX XXXX. This time I am seeing hard credit inquiries for a car loan as well as a credit card among other things on my report that belong to my father.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was contacted by XXXX XXXX some time back concerning a debt owed to XXXX. I instructed them that I had received class action paperwork as they had no right to collect on me as they are in a class action lawsuit. I have paid them a total of about {$1700.00}, paid consistently on a monthly basis. I am a member of the class action. XXXX is famous for illegal collection practices. The FTC will verify this as well. I am requesting they return my money, cease collection efforts per the XXXX XXXX XXXX, and FTC. Thank you so much

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 OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: This complaints is a continuation of the previous filed complaints on Ocwen for the same property address XXXX XXXX XXXX XXXX FL XXXX ( loan # XXXX ). The attached letter datedXX/XX/XXXX from Ocwen states the loan was charged off XX/XX/XXXX. If this is fact, why did n't we receive a satisfaction of mortgage. The other problem with Ocwen is that XXXX credit report showing # 4 ( see attached ) which indicates we were 120 days late on paying this mortgage ( not true ).

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted serveral times proof of ongoing identity theft and the company refuses to delete inaccurate information they they calme to be verified by a third party called XXXX related to inaccurate BK information. I have submitted an ID theft report attached and information from XXXX themselves showing no such file. For more than ten years someone has been using variations of my social and committing theft. I have notified the IRS and all involved authorities and expect the CRAs to act accordingly Please have them abide by the laws set for this time of situation and block this information or delete it.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. It 's very disappointing how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call. The only way I discovered this was through social media. Furthermore, I had to do their work for them and go to their poorly constructed response website to find out for myself. 

It has now has cost me several hours as well as money to freeze my credit, and more importantly, will continuously demand my time and money in order to pay for unfreezing reports as necessary in the future.

Company response to consumer: Closed with explanation