milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a tier 1 first mortgage HAMP back in XXXX with XXXX ( the loan was formerly with XXXX and XXXX XXXX XXXX originally approved the Mod prior to the transfer to XXXX ). I also had an outstanding HELOC with Citibank and it is my understanding that once your 1st Mortgage HAMP is approved and you 've gone through and met all the requirements of the trial period that you are then officially in HAMP and as such now automatically eligible for the 2MP program for 2nd mortgages. In fact in reading through the " Making Home Affordable Program : Handbook for Servicers of Non-GSE Mortgages '' it is my understanding that 2MP should have automatically been offered to me by Citibank yet they did not. Why did n't they offer it to me in XXXX once the HAMP was set in place permanently?? 

Citibank recently contacted me stating that my HELOC would reset in XXXX of XXXX which prompted me to look into finding out which solutions might be available in order to keep payments affordable. This is how I came across the fact that I should have been eligible for the 2MP with Citibank back when my HAMP first became permanent. I contacted Citibank to begin the process of getting my HELOC into the 2MP program and they said they could n't verify that our first mortgage was part of HAMP. I 'm very frustrated that they are not willing to do the work necessary to match up my first mortgage HAMP with their 2MP modification program for my HELOC. I need someone to advocate on my behalf so that they will formally acknowledge that I do in fact have a 1st mortgage HAMP in place and that I am eligible for the 2MP because of this. I 've already sent over documents from my 1st mortgage stating that I was accepted into the HAMP program so why is Citibank not acknowledging that I qualify for 2MP? And why are they putting me through the entire application process from scratch all over again when they should just take what was approved for first HAMP and apply matching terms to 2MP?

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 04-10-2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (TX).
Issue: Problems when you are unable to pay

Complaint: I took a loan with Avant online. The amount was {$20000.00} and the payment was {$840.00} a month. The interest over 35 %. At the time I thought I could handle it but I have come to a point that I can not. 
I knew the interest was high but where else could I get a loan? no where. I have paid on it for 18months and paid over {$16000.00}. Only I am shown as having paid {$5000.00} to principal. The interest will be way over {$28000.00}. I ask if they could lower the payment of the interest. They told me they could lower it to {$640.00} a month. That does n't really help. I do n't understand how they can charge such a large interest rate. How could I ever pay it off and what will they do to me? I know other loan companies have gotten in to trouble with interest rates like that.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Struggling to pay your loan

Complaint: Tower Loans keeps calling me. All phone calls are recorded on the government phone calls. Harassing phone calls at work everyday, on a federal government line. I can be contacted on my cell number at XXXX. Call received on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. Threating with wage garnishments.

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 04/26/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX XXXX, 2016 I wrote to Transworld Systems Inc at XXXX XXXX XXXX XXXX XXXX and informed them that under the Fair Debt Collections Practices Act that I did not want any further contact from them. Then on XXXX XXXX, 2016 I received a letter from them including attachments. This letter is still demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: It has come to my attention that a deposit issue with another financial institution has caused an unfortunate chain of events resulting in a mortgage payment due to Chase becoming past due. Chase has since reported my mortgage loan as being once 30-59 days late and then also secondly as being & gt ; 60 days late. In contacting Chase, I was transferred around to several agents before finally being told that my only option was " to just move forward. '' This is neither a resolution nor an acceptable form of customer service. First, the time between my due date and the date that I recognized and rectified this issue by satisfying my current amount due was not greater than 60 days. I have never been greater than 60 days past due on my loan with Chase, and I am fully requesting that this credit mark be reviewed and removed promptly as inaccurate. Secondly, as a customer of Chase, I do not feel like they have any interest in assisting me in this matter regarding my mortgage payment falling past due. They were not interested in hearing any details from me in regard to my transactional issue with the other institution that subsequently caused this late payment. They did not wish to take into account my mortgage payment history with their institution and instead chose to ignore that I have never been late on any payment in my entire credit history, with Chase or any other institution. I also question Chase 's interest in even informing me as their customer that my payment had been missed. I was never notified by Chase by phone, in writing, or even by a simple automated notice that my payment was delinquent, until I received a formal notice about my options regarding avoiding foreclosure of my home. I am requesting the following pieces of information from Chase : 1 ) I would like for Chase to formally explain to me their general policies and procedures for contacting mortgage customers when their payments are past due. 2 ) Within the policies and procedures of Chase, I would like to know when Chase begins to make initial contact attempts with their customers that are past due on mortgage loans. 3 ) I would like for Chase to formally explain to me why my account was excluded from any early-stage delinquency contact attempts. 4 ) If it is within the policies and procedures of Chase to contact other mortgage account holders by any means at a date earlier than I was notified about my particular account, I would like for Chase to formally explain why my account has received disparate treatment. Lastly, I understand that the original issue that caused my payment delinquency is not the responsibility of Chase, but I would wish for Chase to review my description of what caused the late payment, review my previously good standing credit history with Chase, and please reconsider their stance on removing the 30-59 day late credit mark as well due to this customer service issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my most recent credit report i found XXXX listings from XXXX loan reading " claim filed for insured portion of balance ''. Even though its XXXX listings, its all pertaining to XXXX student loan that as of 2013 is completely paid off. i have a letter being mailed to me providing proof of full payment from XXXX. would like to have all of this information cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX/XXXX/XXXX, my wife tried to make a purchase on XXXX, but it got declined. My wife called me and said whats going on. I contacted Chase and I was transferred to multiple departments. Then I was told my account is being under review and therefore the card was declined on purchases. This was unnoticed and unforeseen. This kind of business practice is unacceptable. I have perfect credit history and no debts. I dont see the reason here as to why my account is closed. I called today XXXX/XXXX/XXXX and the lady told me my account is closed due to the short history with Chase Bank. With my credit experience in the past, I have never dealt with a bank like a Chase before. This is not how you treat prospective customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: I used my personal checking account to make a XXXX time payment to Discover on behalf of my son. Some months later Discover used my account information, which they saved, without my permission to debit my checking account with an e payment for my son 's account without my authorization. When contacted Disover stated they could not remove my account information until the charge was disputed and declined by my bank. Is it legal for Discover to store my information without my permission and refuse to remove it at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with Credit Systems International, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today  XXXX  XXXX /2017 this collection account popped up on my credit report. I have never done business with this company nor do I have a contract wit this company. I as a consumer have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report today and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems, I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to. THIS IS A CLEAR VIOLATION OF Credit Systems illegally placed information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm   XXXX   XXXX   XXXX  . I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ever since XXXX XXXX, I 've been reaching out to Equifax about removing unauthorized inquiries on my credit report. I sent them at least two letters and disputed online about the unauthorized hard inquiries on my report but Equifax never removed them due to the inquiries to be " valid '' but could not provide proof of its validity. The following are the inquiries in question : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Back in XXXX I was in forbearance and deferment all the way up until XXXX/XXXX/XXXX. I always had a job and was able to pay something back towards my loan. XXXX XXXX never offered me any income base repayment plan options. When I really started looking into my accounts I realized they charged my account XXXX dollars in interest. I called Navient to see if the could remove all the interest or at least half and they declined it. That 's when Navient offered the income base repayment plan XXXX/XXXX/XXXX. Currently I 'm on track making my monthly payments of XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Customer service / Customer relations

Complaint: I was charged interest i had questions about. I called customer service to inquire about what the interest was for. The lady on the phone tried to explain to me what the interest was for, and that it was in my credit card agreement. I asked her to tell me where in my agreement this was explained, and she said she didnt know. I then asked her to send me the agreement, and tell me where I should look for this information, and she simply hung up the phone on me. This is really poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.

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 10/29/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: I placed an order online with XXXX in my RushCard account show as pending, called the company several times & I 'm being told they do n't see a transaction but my money is gone from my account balance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Provided all requested documentation and was denied due to incomplete information. I have all of the emails to the company at the following times sending all information : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All documentation was sent ; however, I was told that they were missing documentation. This is not the case. 

/thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Vehicle loan or lease (Loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I had a XXXX XXXX that had multiple recalls on it that were never fixed. Not only did I have issues from the recalls but my life was placed in danger multiple times due to random issues with the car. I tried several times to get the dealer to fix or replace the damages but they only told me that the parts were on back order and refused to assist me in anyway. The vehicle was completely falling apart when I finally gave it up. It is being reported as a charge off and they are claiming that I owe the rest of the monies due for a car that literally fell apart.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital One charged an annual fee but never sent me the bill. Then charged late fees and reported me as late pay to the credit bureaus. With the late fees they then sent the bill. 
I talked with them, paid the annual fee and they waived all the other charges. The account is in good standing. XXXX XXXX said they would report back to the credit bureaus to have the comment they put on reversed and it was their error. 
This has not been done. They were at fault and now they have damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with Solutions To Portfolios, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been receiving calls from STP processing for awhile now and they rarely leave messages. I have been injured and not able to properly communicate over the phone until recently. They call me a few times if not more each day. They have called my old employment and family even though they have my phone number that is still in full function. They have threatened a pending legal action and putting me in jail. They have not told me what the debt is or who they are associated with and I have never received anything in the mail from anyone about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is/was a debt with XXXX XXXX. It has been going on since XXXX XXXX. They were receiving payments and not crediting the correct account and when notified refused to check said account and then sold the debt twice and i have been harassed by all XXXX agencies. 

I told and provided paperwork to numerous contacts and not XXXX department took ownership of the problem to investigate and help me. It has had negative impact on my credit report and more.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX is servicing my loan. I have been behind on payments since XX/XX/2017. I spoke with them about options to bring my loan current as well as grant me and extension to be able to pay. Everytime I speak with a representative, they tell me something different. They told me I had till XX/XX/XXXX,  thus I asked them to send me this information in writting. They refused. They are lying to me each time I speak with them so they can foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok Equifax knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with Blakely-Witt and Associates, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have mailed Certified and Certificate of delivery letters to Blakely Witt Requesting Debt Validation but the company never responded. I have also file a complaint with the XXXX XXXX XXXX. The Company keep Verifying a Balance on my CR but never sending documentation to myself to support their claim. In this case the debt should be removed because according to Texas State Laws and the Fair Debt Collection Practices Act the debt has reached the SOL from original delinquency date Dating back to XXXX from Original Creditor. Also, Blakely-Witt & Assoc. do not have the right to collect in the State of Texas. According to the State of Texas no debt collector can collect unless they are registered by the state. I have also requested Validation that I am liable for the debt and I requested Blakely-Witt provide an agreement with the Creditor that authorizes the company to collect on said debt. This has been an ongoing process and Im terribly exhausted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation