milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I moved to XXXX from XXXX I contacted Countrywide and told them that I had {$61000.00} and needed to buy a home. I had an appointment to meet a lady at the XXXX XXXX XXXX. I was on XXXX, and had just gotten a job as a XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX. I gave them my information in a week I got the home. In XX/XX/XXXX or XX/XX/XXXX I was given information on direction on where I was supposed to meet them also the bank information with a cashier 's check of more than 61,000. The first mortgage payment came in shock I contacted countrywide to let them know that the payment was too high for me that I do n't make that much, I was transferred from telephone lines to lines to avail. after two years of struggling borrowing money from family members and friends until I could n't get anymore. In XX/XX/XXXX I was served with foreclosure I was referred to many people for help including XXXX XXXX XXXX which I paid {$400.00} plus a month till XX/XX/XXXX They never helped, they always dismissed all of my request for help I never know who my lawyer was. In XX/XX/XXXX I filed for bankruptcy with another lawyer my home was included in it, after maybe a couple of month bank of America removed itself from the bankruptcy I asked for a modification during the hearing mediation, bank of America told me my lawyer and the mediator that I was not qualified, they do not participate in the Obama assistance program the only thing they can do for me is that they will sell me the home for {$190000.00} but I have to give them {$30000.00} down if I can not give the money they can not help me because I 'm qualify for the modification. I told them it was the same money that I am making now that I purchased the home I never got a raise. they said no and sold the home to itself. My last day to leave my home is XX/XX/XXXX I have no money to rent and they were not going to help me financially if I do n't moved the sheriff will put my stuff out on the street. I am left homeless because I trusted countrywide. Also Bank of America has my daughter 's name XXXX XXXX in all legal documents in which my daughter has nothing to do with the mortgage and the foreclosure that is not right when I purchase the home my daughter was a child I do n't think it 's fair to do that. 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 04/20/2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (TN).
Issue: Unexpected or other fees

Complaint: This is a follow up with my complaint # XXXX, after almost 6 months of chasing US BANK prepaid service, only with help of CFPB, i recently got my new replacement gift card, its supposed to be {$100.00} per last agreement, when i checked the balance its only XXXX, i want the unexpected fee of {$5.00} credit back to my account, not only due to its US BANK 's issue ( not properly secure their gift card ), also took me almost 6 months time to get the issue solved.

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 monetary relief
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Well, I graduated College in 2007, Soon after then, XXXX XXXX wanted to collect, I tried to set up a payment I could afford, but they pushed deferment on me. The thought of no payment sounds great to a struggling single mother. As time went on and no other options where given to me when I asked for payment relief it was never anything I could afford, so my family suffers from high payments. I find my childrens needs much more important than Navients. I lost my job two years ago and all they can offer me is interest payments still way to much for me to afford! One of their employees was so mean when I was trying to work some kind of payment plan, she told me I needed to sell my car to make the payments. Totally out of line! So here I sit at the end of my six months of " interest payments " my payment is now {$80.00} more, I have no options but to be delequent? I have Federal loans that are under Income Base Repayment this is working for me. It is my understanding Navient should be providing something similar? ..I just do n't have money to pay them, it finacially straining on my family. I find talking to them is demoralizing, just because I am poor. This company accutually causes XXXX, XXXX, and hardship on families.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I disputed the lack of correct reporting of my credit scores with XXXX bureaus with no success. 

Since 2009 I have been asking and make a correction since on my mortgage payment and date of birth with no success. 
You have XXXX bureau with different credits score and critical data on file. 
I submitted a copy of State Driver license, Social security document for a correction with no success. 

Up today, you have XXXX different score with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had an open credit card with Chase bank. 

In XXXX, I set-up payments through their customer center to be charged to my checking account through XX/XX/XXXX. 

I paid off the entirety of my card in XXXX of last year. 

Despite the fact that my card was paid off, I was charged {$110.00} on XX/XX/XXXX, which over-drafted my account. 

I contacted their claims center and spent 45 minutes on the phone with them. After being transferred several times, they told me that even though the card no longer exists and there was no balance on the card, they could not credit money to my account. 

So, I am faced with an over-drafted account, potential fees, and hardship today and until I receive more money because of an error on how Chase processes their payments. 

To me, it does not seem right that I have to face hardship because an error in processing that Chase has made. The burden of making sure that my account is not being charged in error ( IE payments being made for a card that is already closed ) should fall on the company and not the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Mortgage debt) with Rent Recovery Solutions (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX Rent Recovery I contacted the company and spoke with a XXXX and she was not accurate with her information. She said the information was valid and I ask her if the debt is collected will it stop reporting to my credit bureau. She informed me that they will keep reporting to the credit bureau. I proceeding to ask her if the debt is settled why is it still reporting to the bureaus. She proceeded to get nasty and unprofessional and kept asking for the debt to be collected. This my second complaint against this company the business practices are very unprofessional and information is always misconstrued.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I am filing this complaint ( prepared with the help of an advocate, as I speak only  XXXX  ) because Chase Bank promised to refund me money that I lost as the result of fraudulent and unauthorized transactions on my Chase bank account, but never refunded the money. I am a very low-income,  XXXX  year-old   XXXX   XXXX  resident and single mother. Both my  XXXX  daughter and I receive   SSI  and  food stamps . At t he time of the fraud, my  XXXX  daughter received  SSI by direct  deposit into  a Chase accou nt in my name. All the money lost to fraud was from my  XXXX  daughters   SSI.       In around  XX/XX/XXXX , I received an account statement and saw transactions from early  XXXX  and onward that I did not recognize, including unauthorized debit card purchases, fraudulent check deposits, and unauthorized ATM withdrawals, along with ATM fees for the apparent unauthorized use of non-Chase ATMs. I never made any deposits into this account ; the only deposits were the   SSI  de posits made directly by the  Social Security Administration on b ehalf of my  XXXX  daughter. I made only occasional withdrawals to help me pay for my daughters care.     I disputed these transactions with Chase both by phone and in person. Chase closed my accounts, and told me that it would refund the money I had lost to the fraudulent transactions. This was in around  XXXX  and  XX/XX/XXXX . But then I did not hear anything back from Chase. When I followed up with Chase again in  XX/XX/XXXX , Chase said it was still investigating.     I have a letter dated  XX/XX/XXXX  from Chase stating that it would credit me {$930.00} for   XXXX   batch of debit card transactions that I had disput ed ( s ee attached ). I have another letter dated  XX/XX/XXXX   ( s ee attached ) from Chase stating that it would credit me another {$2400.00} for a  XXXX  batch of transactions, including the unauthorized ATM withdrawals, that I had disputed. However, to my knowledge I have never received the credi ts that Chase promised ( a  total of {$ 3300.00} ).      I also disputed   XXXX   fraudulent check deposits ( the checks bore forged signatures in my name ; see attached ) and a number of large, unauthorized ATM withdrawals that took place shortly after each of the  XXXX  fraudulent check deposits. I have letters from Chase acknowledging that the checks were fraudulent ( see attached ). As my transaction history shows, Chase also reversed the fraudulent check deposits by subtracting the amounts of the fraudulent check deposits from my account balance ( see attached ). However, to my knowledge Chase has never credited me for the unauthorized ATM withdrawals that followed each of the fraudulent check deposits.     Since Chase closed my account, I have received th e   SSI   c hecks on behalf of my  XXXX  daughter by mail, and must go to a  check casher to ca sh them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: We execute d a Home Affordable Modification Agreement that  was booked on  XXXX   XXXX ,  2017 . At that time, our escrow amount was {$140000.00}. Escrow per our account statement dated  XXXX / XXXX /   2017  is {$1500.00}. T he Modification Agreement clea rly states that the estimated monthly escrow payment amount adjusts annually after yea r 1. It also clearly states that our total monthly payment of {$3200.00} adjusts annually after year 1. We have not completed year 1 and our monthly payment has incr eased to {$3300.00} which was due on  XXXX / XXXX /   2017. It has not been a year since we signed the Modification Agreement and our total monthly payment and our payment for escrow has increased. We would like to understand why our escrow payment and total monthly payment has increased four months after signing the Modification Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Checking account) with UMPQUA HOLDINGS CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: I discovered a check I wrote to pay a bill, never was received by the person it was sent to and that whoever stole it, wrote their name in above the payee and cashed or deposited it. My bank can see it was obviously altered and have sent it to the other bank as a fraudulent item, but they are not giving me " provisional credit '', even though their customer service has told me that their policy is to receive a credit within 7-10 business days. Today is the XXXX business day since I reported it. This is a business checking account with Umpqua Bank. I have called several times and no one can explain to me why I have n't received a credit. Only that it can take up to 90 days for them to get money back from XXXX XXXX XXXX who processed the fraudulent check. The check is # XXXX for {$1700.00} written to my XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (AZ).
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: Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXX still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.

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 09/29/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been employed for over 30 years with full medical coverage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Managing, opening, or closing account

Complaint: Rush card has not been posting my deposits the past XXXX pay periods, so this has been going on for a month. I received my last deposit 2 days late. I live paycheck to paycheck, and have been forced to borrow money to be able to get back and forth to work. I am getting late fees due to not making payments as planned. I plan my bills with my pay dates. Something must be done, I am reading all over the internet that many people are having the same problems. I ca n't access my online banking, nor can I get thru to the bank. I have held over XXXX hours to be disconnected. Very frustrated and it seems they are not fixing the problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the macys account in question MACYS ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Over a month ago I attempted to obtain my free annual credit report from Equifax online at " XXXX '' as I've done several years in the past. I've never encountered any problems before with Equifax, XXXX or XXXX XXXX. However, this time Equifax refused to provide my online report. I was then instructed to answer another battery of questions over the phone, which I did. I was told my report would be mailed to me. It hasn't, and it's been over a month. 
I attempted to contact Equifax by phone using the only two numbers listed on my previous 2016 Equifax report. Both numbers resulted in a recording requesting that I press # 1 for this and # 2 for that. Nothing that I could do would connect me with a human being. 
Why is it that Equifax freely provides hackers all of my personal financial information yet prevents me from procuring that same record? I would like a copy of my free annual credit report from Equifax. Can you please assist me? 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with The CBE Group, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello CFPB, Thank you in advance for reading my complaint, today XXXXXXXXXXXX I was contacted by a company called XXXX XXXX XXXX in XXXX, Iowa. They asked for my name and address and GAVE ME INFORMATION ABOUT THE DEBT ALBEIT did n't disclose they were a debt collections company. Under the FDCPA any debt collector needs to announce " there attempting to collect a debt '' When I let them know the person they were trying to contact was not myself they accused me of lying to them. They are trying to attach a bill that does n't belong to me to my credit report and will not listen. I told them to resolve this matter today or I would file a complaint to consumer protection for harassment. I learned they are a XXXX third party debt collector and do n't have to follow the law. This statement is true fact to the best of my ability. 
Thanks again, I look forward to hearing from you

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FirstKey Holdings, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Have a mortgage on XXXX property with FIrstKey. Requested payoff amount and received same. Sent in payoff amount of {$440.00} ( via certified funds ) on XXXX/XXXX/15 ; which was two weeks before deadline. Never received reconveyance. Have called FirstKey on multiple occasions and send them multiple emails. Took over 30 days for them to respond to my email. My phone calls go nowhere. They admit it was their mistake but they are not doing anything about it. Instead, they have sent me to collections and I fear my credit has been affected. My loan # is XXXX and i can forward to you all of my correspondence. thx

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On my XXXX Credit Report, Experian Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX Credit Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.

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 08/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cash advance

Complaint: I have a dispute with Bank of America on how to calculate the variable interest rate for XXXX XXXX XXXX ( XXXX ) charged to a Credit Card Account ending in # XXXX. 
We both agree the contractual rate for any XXXX on the Account is calculated using the " index '', the U.S. Prime rate as published in the XXXX XXXX XXXX with a margin of XXXX. 
We disagree on whether interest rate charged to the Account increases or decreases as the XXXX XXXX XXXX fluctuates. Bof A contends the rate is fixed at the time of the transaction - the XXXX XXXX XXXX. I contend, per the contract at page XXXX of XXXX, " How to Calculate Variable Rates '', quoting the contract verbatim - emphasis added in brackets : " An increase or decrease in the index will cause a corresponding increase or decrease [ note the disjunctive ] in your variable rates [ plural ] on the first day of your billing cycle .... " The Credit Card Agreement goes on to explain, again, quoting the contract verbatim : " An increase in the index means you will pay [ mandatory ] higher interest charges and will have a higher Total Minimum Payment Due. '' Simply put, the interest charges may go higher. BofA asserts the interest charged can only go higher but NEVER lower. The U.S. Prime has indisputably gone down, but Bank of America will not re-calculate interest rate charges to reflect " the decrease in your [ consumer 's ] variable rate ''. 
I believe our dispute centers on how to read a credit card agreement written by the Bank. 
I believe the contract must read as a whole construed according to applicable law. If the APR for a XXXX can go up, it certainly can go down. This means the consumer should be paying LOWER interest charges when the XXXX Prime Rate goes DOWN per the express terms of the Credit Card Agreement. 
Even if Bank of America is correct and the APR for the XXXX will remain permanently at XXXX - the rate is unconscionable - it amounts to a penalty rate not reflecting market conditions when the XXXX Prime goes down, but only accepting the variable rate when the U.S. Prime Rate goes up - penalizing the diligent consumer who has not defaulted. 
I seek a recalculation of the APR for any XXXX when the published U.S. Prime Rate went down and the balance on the Account corrected. 
Respectfully Submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation