milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied the home loan modification program to chase last year and I got the proposal letter on XX/XX/XXXX this year And They sent me Modification Agreement package on XXXX XXXX,2017 When I reviewed the package. I found significant differences from their proposal letter.
I expected Monthly P & I payment amount of {$980.00} and Principal forbearance amount of {$210000.00} as Net present value or eligibility data on their proposal letter, field # 69 and # 70 But, monthly payment was {$1600.00} without any principal forbearance on the agreement I complained Chase the difference and it is against HAMP and FLEX Guideline and asked them to fix the differences.
* to provide the borrower with a principal and interest ( P & I ) payment reduction of at least 20 % and increase principal forbearance until a 20 % payment reduction is achieved.
Then, they replied that they will review and research my request and give me answer sooner. But it was delayed three times I got final answer on XXXX XXXX, 2017 that : The numbers on the proposal letter were incorrectly placed. We apologize for this and this error didnt change the outcome of the review.. " I asked them on XX/XX/XXXX what the incorrectly placed means and how the current payment amount was calculated, but No answer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONRAD CREDIT CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I obtained services from XXXX in which Conrad acceptance was who I was to pay for the services of XXXX. Due to the misrepresentation by the Company of XXXX I attempted several times to reach out to the office to cancel this contract within 3 hours of signing and several months thereafter. I refused to pay because I felt the company was breach of contract undergrounds misrepresentation. I have sent several faxes and letters to this company explaining my dissatisfaction with the service with no replies from mail, phone or faxes. Conrad continues to send various attorneys in attempt to collect this debt, a debt I feel and have expressed several times I do not owe. Although the contract I signed, unknowingly states I waive my 3 day " cooling off period '' all circumstances become null and void when services you are paying for are never received. No one could ever be reached to schedule appointments, no one would ever call me back. How is there to be a contractual agreement between XXXX entities when the company you hired is no where to be reached to obtain said services. They took my money and ran. Conrad continues to harass me through attorneys and collection services to obtain funds, I do not owe and I should not have to pay. I have been fighting this since 2009. The contractual obligations were never met by the company and there were no intentions of the company meeting those obligations therefore the contract, once again, is null and void and no money should be due to Conrad Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had multiple occasions where Sallie Mae has rejected my automatic bank account payments ( which I signed onto solely so I could reduce my rising interest rates ), which then resulted in a $ XXXX/month late fee, a ding on my credit score, and less opportunities to reduce my interest rates. I am currently in a standstill where I have my LOWEST interest rate at just under 8 %, and my highest at 10.25 %. Despite making over $ XXXX a year out of school, I am struggling to pay my ~ $ XXXX/month payment to Sallie Mae, and upon my times of calling have not been offered any solutions to reduce my rates aside from forbearance, which would result in a vast increase in interest buildup and a fee to even begin the forbearance. Sallie Mae has not been able to offer my any repayment options and basically has said that I need to seek outside options to refinance, however I do not have a co-signer figure to do so, and am rejected by said organizations despite on-time payments and my income.

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 Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX 2016 at XXXX., I realized a transaction for XXXX went through on my account causing it to go negative even though I did not authorize the transaction. I called Chase immediately and advised of the situation. I spoke to a representative named XXXX who assured me that he placed a stop payment on XXXX and that the funds will not be removed from my account. When I woke up on XXXX XXXX 2016 and checked my account, I noticed that the funds had actually cleared the account after I was promised that they would not and my account was still in negative. I called and spoke with another representative at XXXX who told me that there was nothing that could be done but to submit a dispute form that could take 7 to 10 business days to get my money back. I then asked to speak with somebody else that was higher in order to find a resolution. I spoke with another representative named XXXX who said she was a senior account representative, you also told me that there was nothing that could be done other than for me to go to a branch and submit a dispute form. I feel as though all of the work has been left on me to correct a problem that should have never even occurred because I did everything I was supposed to do as a consumer. I am very emotionally distraught as I write this because as I explained to them with my accountant native because of a transaction that was n't even supposed to go through that I have to wait 7 to 10 business days to be refunded for I do n't have enough money to put gas in my car or buy food for my kids or myself. And this is a huge concern, because it never should have happened in the first place. In addition, when I explained my situation and advise the senior representative XXXX that I only have enough gas to make it to the gas station all she could tell me to do was to swipe my debit card and hope it goes through. If it does n't go through then I would be stranded at a gas station. She also told me to try to swipe it to buy food for my children and hope it goes through. If it does n't go through, I 'm left looking like a fool at the grocery store with a cart of groceries that I ca n't even pay for even though I should because the money should be available in my account. This is emotionally affecting me because I 've always been able to provide for my children and I 've always done stuff the right way. And because of Chase and their representatives for the first time and not sure if I 'm going to be able to buy food for my children because of a mistake that they made on their behalf that they ca n't correct without me doing all the leg work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had applied to XXXX XXXX University as a XXXX. I was told that the unaccredited university was achieving accreditation within the next 3 months and guaranteed accreditation credits upon graduation. I contacted Wells Fargo for a private student loan in XXXX to obtain a XXXX XXXX XXXX. After receiving a verification of enrollment, I had personally sent emails and called XXXX XXXX University 3 days after acceptance stating that I did not wish to continue my education with this university and that any accrued expenses would be debited from my repayment at my expense. I was told that the money had been disposed by the lender and that I could not withdraw at that time and would have to contact the lender to refund tuition. I immediately contacted Wells Fargo student loan department and was told that the money was already disposed and I would have to contact the university to recover the monetary amount that was sent to XXXX XXXX University. I have been in this vicious cycle until today of an non- recovery of money for an education that I did not receive or participate in. The interest accrued on the account balance is still greater than the money borrowed for an education that I did not attend or graduate from. At no time was there any enrollment on my part or attendance for this XXXX XXXX XXXX. XXXX XXXX University was investigated by the FBI in which it had changed a school name to XXXX University. At no point was I able to recover any money or have any loans forgiven for not attending this university. 
I have achieved a XXXX and XXXX XXXX XXXX for an accredited university which I have made 100 % on time loan payments. My dispute is with a university that I had not attended. The student loans should have been recovered upon my withdraw of classes which I did not attend once and my admission of withdraw was giving within the statue of limitations. Neither Wells Fargo nor XXXX XXXX University ( at that time, closing in XXXX ) XXXX University ( closing in XXXX ) would accommodate my request to withdraw and have them money reimbursed to the lender.

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 03/24/2016 about Debt collection (I do not know) with Capio Partners, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In violation of the FDCPA, Professional Account Management continues to send threatening letters, texts, and voice mails in an attempt to collect a debt that is not owed. They have ignored all cease and desist requests and refused to provide any evidence to support its claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Consumer Loan (Pawn loan) with JPMORGAN CHASE & CO. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I took money out of my equity line of credit at 3.25 %. Then after my withdrawal period end date, the interest shot up to 7 %. I was never notified that that would happen when I signed the contract for it. It was in the contract that it the interest rate could increase up to 18 % but as a first time consumer of this product, that is an important point to be up front about. The product was from Washington Mutual which Chase bought out. Chase did not inform their personnel of this particular loan. 
I then informed the bank manager of what happened to me. She could not go back to the personnel who helped me to see what happened from her side. I asked her to inform all the personnel in the bank about my situation so that it would not happen to anybody else. 
I then informed my dad about his equity line of credit similar to mine. He went to the bank and got even a better rate of 2.74, very enticing. We went to the bank together and the personnel did not know about the hike in interest rate after the withdrawal period. She suggested that we lock in the rate but did not know the lock in rate. My dad believed that he was getting the 2.74 % rate throughout the loan period. I had to insist calling the loan center to get the right information. Like me he was misled.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: About a month ago I submitted a complaint to the CFPB regarding XXXX XXXX and Navient, and their response was a stock answer which looked a lot like the annual disclosures that are sent. The original loan was opened in XX/XX/XXXX, I graduated in XX/XX/XXXX. 19 years later my balance is still roughly the same. I have called Navient many times to try and get to the bottom of this as there have been easily over 10 years that I have made payments, at one point the payments were over {$120.00} a month and that was well over a years worth of payments. Navient is now the servicer on XXXX XXXX loans which means I cant get any type of payment history or balance history from when the loan was with XXXX XXXX which was with them for over 10 years and I paid them on a monthly basis for years. I need a balance from day 1 in XX/XX/XXXX when I started college, with all payments and interest included but I have never been able to receive such documentation. I am a good record keeper but this is 20 years in the making. Like my previous complaint stated no way should my balance be what it is so I put the loan in forbearance because i am not paying anymore towards it until I have an accurate balance showing all payments and interest. Why is it so difficult to pull a previous payment history? Also how do I learn more about student loan forgiveness as I do have a XXXX. Submitting this thru the CFPB is a way of having a 3rd party monitor the correspondence between myself and XXXX XXXX and Navient as I have gotten no where trying to get answers on my own. The balance is currently around {$6700.00} which is about what the original balance was 20 years ago. Its just common sense that the balance should n't be anywhere near that.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Medical) with Hollis Cobb Associates (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had an account set up with Patient Accounts Bureau where they took out XXXX on the XXXX of each month. I called them last week and asked them not to take the money out this month, which they have recordings and documentation of, and they said nothing will be taken out. Today they took out XXXX which overdrew my account forcing me to stop payment on the check which still cost me XXXX. I spoke with their manager XXXX XXXX and he said that he did n't know how long it would take or if they even would reimburse me the fee for having to stop a check that was NOT an authorized payment. They overdrew my account which has caused several issues for me, especially as a single mom, I need this money and they are not being cooroperative at all. This was again a payment that was not authorized, therefore illegal for them to take out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After a review of my credit report, I found that Midland Credit Management has been incorrectly reporting a paid collection to the credit bureaus Experian and TransUnion. I have written XXXX letters to Midland requesting a goodwill removal of this paid collection from my credit report and they have refused to do so, stating that they are accurately reporting this information. I have taken it upon myself to illustrate exactly what is wrong with Midland Credit Management and how they are incorrectly reporting this item on my credit report, causing unnecessary damage to my report : Midland violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Terms : 1 month '' on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account. on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency for not showing the account as paid and closed on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account on my XXXX credit report. 
Disputing Account # XXXX with Midland Credit ManagementWith respect to the " Terms : 1 month '' notation on my XXXX report : I do not have any known " Terms : 1 month '' agreement or contract in writing or otherwise with Midland Credit Management. 

This dispute is with Midland Credit Management, not XXXX or XXXX.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax reports that my information was part of a security breach. I 've had some sketchy emails that are coming through my spam filter lately asking for some personal information could be used for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from JEFFERSON CAPITAL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against JEFFERSON CAPITAL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Credit reporting () with FACTUAL DATA CORP. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit report for new loan found out there is a bill total XXXX from XXXX XXXX is not my bill belongs to a family member now on my credit report causing my score to go down. I did pay this for that person, however I do not think this should be on my report. XXXX has several XXXX complaints and continues to be allowed to mess up people 's credit because of their bad practice of lying to customers. This bill was not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in XXXX/XXXX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or 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 06/23/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been named executor of an estate. The lender, XXXX was informed immediately that the mortgage holder had died. This was in XX/XX/XXXX and I got the paperwork to them by XX/XX/XXXX. I was assured the loan would not be placed for collections. Of course, this happened in XXXX and I had to deal with the new company, Seterus for mortgage payment information. 
This was a nightmare and started out with Seterus refusing to let me know how I could get the balance to put the loan current. The initial individual tried to ask me how much I thought was owed and wanted it sent immediately. After XXXX week I finally had an answer and brought the mortgage current. The home was rapidly sold in XXXX and I again was called upon by the escrow company to try to reason with Seterus. The escrow company sent the normal demand for a pay-off and Seterus then refused to supply the information, causing undo stress for the closure date of XX/XX/XXXX. The person on the telephone said there were thousands of calls for pay-offs and we would have to get in line to get the final settlement numbers. She also said I could not speak to a supervisor about this although she did admit the original demand letter was there. The escrow company waited over the week-end and did get the payoff numbers but were shocked that I had to deal with this instead of them.

Company response to consumer: Closed with explanation