milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I recently saw an article about the Consumer Financial Protection Bureau in XXXX. It brought to mind something that has been bothering me a very long time. I 'm guessing there might be some statute of limitations issues or something, but I thought I would pass it on just in case there might be something I could still do about it. 

Several years ago I got a XXXX envelope from Washington Mutual Bank, the lending institution that held my primary mortgage at the time. According to the letter inside, the bank wanted to reward me for being a loyal customer by lowering my interest rate by a quarter percent. I called the number that was referenced and asked what the catch was. I was told there is no catch and there would be no cost or appraisal involved. They said they would send someone over to our house to sign the paperwork and that 's all there was to it. I asked why they were doing this and they simply said that they appreciate their good customers that paid on time and they wanted to offer this in return. 

What the bank DID N'T mention was that the government had just initiated the HARP program. It was new and had not yet been widely advertised so I was n't aware of it. I only found out after I had renegotiated my loan that 1 ) I could have likely gotten a MUCH better interest rate, and 2 ) after obtaining this " gift '' of a new loan, I no longer qualified for HARP. 

Again, I know a lot of time has passed, but I have never stopped being angry at this underhanded, deceptive scheme by Washington Mutual to trick me into this. If there 's anything that can be done at this point, I would be very happy to cooperate in any way necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with   XXXX   XXXX   XXXX   XXXX  . During the course of the loan, I went through a Loan Modification program.   XXXX   XXXX   had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced.   XXXX   XXXX   is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by   XXXX   XXXX   . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted   XXXX   XXXX   several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines.   XXXX   XXXX   is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with STUDENT ASSISTANCE FOUNDATION (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Well I had this loan since 2011 for school.. I'm jus tryna get a lower payment to ensure future payments

Company response to consumer: Untimely response
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Using a debit or ATM card

Complaint: earlier this month my debit card was stolen and somehow my entire bank account gets depleted right after recieving my check. I spoke to the bank on the phone and they told me they would be refunding my money back to my account. Well here comes the end of the month and Chase reverses there refund. So im back to negative in my bank. Im not sure why they would reverese the claik after telling me that everything would be alright. Late payments means im behind my rent and i need the matter resolved. I never claimed that i made those charges like chase claims i did. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: I had a savings and checking account with Huntington Bank for the last 6 years. I was victimized by a scam artistic who got my email address from previous professional shops I had completed. Nevertheless, they wrote me a fraudulent check which I had no idea it was a bad check. I immediately contacted my local authorities since my checking account had been compromised. Huntington closed my account after the fraudulent check was deposited. I am the one who had been victimized. I was informed that I could no longer have an account with Huntington after I am the one who reported the bad check. Thus reporting the scam artistic to the authorities showing the various emails to my local police. The police file number is XXXX. I am requesting that a new checking account be able to be opened. Since I still have a savings account with Huntington. 

Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (GA).
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: In my credit report it shows 2 late payment to my mortgage company ( Ditech ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under XXXX law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts Cavalry, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Debt collection (Credit card) with Rubin & Rothman, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.

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 09-12-2015 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Credit card protection / Debt protection

Complaint: I received a call from Chase Freedom. They notified me that someone has attempted to open an credit card account using my social security number, name and date of birth. I had not. They cancelled the account. I received the actual cards in the mail a few days later. XXXX says my name, the other a false name, XXXX XXXX. Today I received yet another card from Chase Sapphire, that I did not apply for. I called to notify the company that it is not me. They told me the account was applied for XXXX XXXX, and the name and address was changed to XXXX XXXX on XXXX XXXX. I also have received a letter from XXXX XXXX thanking me for applying for a card and requesting a social number and mailing address from me. I have contacted my bank account and XXXX XXXX to receive a credit report and set up a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (MN).
Issue: Unauthorized transactions/trans. issues

Complaint: US Bank gift card sold at bank for flat purchase fee of {$3.00} ; buyer assured no additional fees for use ... terms and conditions claim " no user fees, " no hidden fees '' no other fees for transactional use of the gift card- '' accepted wherever VISA accepted ''. Card purchased at bank & cash loaded plus {$3.00}. 
After card gifted, user tried to buy food at a bakery, then grocery store. Receipts reflected one cost ... but additional fees added on NOT by merchants but by USBank card & were not disclosed.This pattern repeated until card denied by merchant as " not sufficient funds available '' THEN card holder called card and found XXXX % of each purchase added on by card and held for up to 30 days without disclosure to card holder or merchant. SCAM.EMBARASSMENT FOR XXXX WHO ACCEPTED THIS GIFT FROM RELATIVE..card funds were skimmed from card and withheld from card holder ... different amounts for different types of transactions held different periods.

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 07-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had bankruptcy about XXXX years ago, Equifax reported this account for XXXX yearswhile the other XXXX reported for XXXX years, Now I have applied for a loan. 
with XXXX XXXX, the loan officer tells me I have bankruptcy, Under federal lawten years is the max time to report but in this case, this is the XXXX year. 

another one is XXXX XXXX reporting XXXX dollar bond that was disputed and the case is pending in XXXX district court of Georgia ( federal Circuit )

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Bank account or service (Savings account) with WEBSTER BANK, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: HSA BankXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX XXXXOn XXXX XXXX, 2015, I received a notice that my account had been inactive for XXXX years and it was going to be closed. During this time I had made multiple calls regarding the account, have accessed my account online, and on XXXX/XXXX/15 transferred {$2000.00} from my investment account into my cash account. Also I was unable to reset my password to access my account and the answer to the question of my father 's middle name was deemed incorrect once I was able to reset my password with telephone help from the bank. Something is not right and should be investigated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had several internet payday loans over the course of XXXX years. I have n't taken out any new loans in at least XXXX nearly XXXX years. In XX/XX/XXXX, I began getting bombarded with loan debt collection attempts, years after I was done with the loans I had had. I had calls from National Credit Adjusters, XXXX and XXXX, and XXXX. They called about a XXXX loan, a loan from XXXX XXXX, XXXX XXXX lending, among others. 
They all began the calls as pushy, trying to get me to resolve the issue right away, but I wanted to check on what they were calling about because some of the loans referenced had been paid off. In the case of XXXX loan, the lenders topped debiting from my account before the loan was over, I never stopped paying, they just would n't debit anymore. I got off the phone the first week the calls began, researching the legitimacy of the XXXX. I then stumbled on the fact that the loans I had, were all internet loans, and they were actually void in my state. The next time I got a barrage of calls, I answered or called them back, and as they were telling me that I was going to get taken to court, and I informed them most of the loans I had were paid back, but even if some were not paid in full I always paid every lender well over the principal balance, and the loans were void and unenforceable in my state. That sent the XXXX over the edge, and they would rush to tell me there was a chain of custody, and that the loans were completely legitimate, and were very ugly in how they addressed me. They were very irate and insisted they could take me to court no matter what, and that I would have to pay much more than I had even borrowed from the lenders, no even counting any of the payments I had made or the loans I had paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage was recently transferred from   XXXX   XXXX   to  XXXX   XXXX  Mortgage. I was told that starting  XXXX   XXXX  I was to set up an account to have my  XXXX  payments deducted.  XXXX  was no longer managing payments. I c alled Nation Star and  they said a packet would be sent by  XXXX . If I did not receive it by that time to call. I did not receive it by  XXXX  and I called in. The rep gave me my new loan #. I set up an account on  XXXX  my money was taken out. Then on  XXXX  another payment was taken out.   On  XXXX   XXXX , I called to find out wh y two pay ments were taken out the representative (  XXXX   XXXX   ) w ho gave me her phone number  XXXX   XXXX   XXXX   XXXX , told me that  XXXX   may  have taken it out as well. I confirmed that my account with  XXXX  was closed. The representative and I placed a conference call with  XXXX   XXXX   XXXX    XXXX     ( Spo ke with  XXXX ,  XXXX   XXXX   XXXX   Representative  ). He confi rmed all my payments were made until  XXXX . They did not take out  XXXX . I was issued a credit to my account. I went online to check the next day and there was a pending payment for  XXXX  still in my account. On  XXXX   XXXX ,  Nation Star too k out the amount again. I placed another call  to Nation Star about this and was told after 45 minutes that a manager named was informed and I would have the money refunded within 48 hours. That has not happened. Also, every representative I spoke with at Nation Star gave me their phone numbers but stated they usually can n ot be reached on these numbers. I tried to reach  XXXX  and phone rang o ver ten times. I trie d her phone number many times throughout the week and the phone just rang. I do not understand why no one can direct me to a phone number where calls can be returned. I find this highly unprofessional. Also anytime I asked a representative why this was happening with the payments they could not tell me. They also were unaware of the transfer issues. It seems that no training has happened to assist your representatives on how to handle these situations, which I find very disheartening. I do not have the time to spend on the phone at work or to have double payments taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My complaint to XXXX XXXX XXXX XXXX website not answered. They call 5 times a day, & I tell them the same thing : payment will be brought fully current the next time I get paid on XX/XX/XXXX. They say ok, but then they call again & again, 5+ times a day for 2 more weeks because they cant stop the robocalls.

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 10-09-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Settlement process and costs

Complaint: for the past XXXX years we have been going arund and aroun with shellpoint mortg we applied for a loan mod denied becouse i do n't make enough money for a loan mod so finally we got a agrement pay 6 payments on time and you will get it we did it flaulessly 5 months later still nothing mailed then the letter comes saying all the items are out of date so we update it and go again now we got a call from loss letigation that the docs r on there way approved after weeks and weeks and 40 or 50 calls we get papers to sighn and return we r happy until they say the notary republic did it wrong which was untrue so we sighn and noterize again now we call and get updates and all is good even though we get letter that they never received our docs but we call they say its all done docs r on way well we get envelope from them with a letter and a app to start a loan mod i will attach these letters

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Bank account or service (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Deposits and withdrawals

Complaint: I received a charge to my checking account in the amount of {$340.00} on XXXX/XXXX/15. The charge is from XXXX and is under the name XXXX XXXX. I noticed the charge on XXXX/XXXX/15 and immediately called to file a dispute. I received the paperwork to sign and returned it on XXXX/XXXX/15. The paperwork I signed was an affidavit that it was not my charge. I immediately placed the signed affidavit back in the mail in the postage paid envelope provided. I called on XXXX/XXXX/15 to find out when I would receive my provisional credit and I was told after 10 business days of the complaint. When talking with the customer service representative, we both agreed the credit would be posted to my account on XXXX/XXXX/15. She told me it would be later in the day. So, on XXXX/XXXX/15 at XXXX. I contacted Associated Bank to find out why I had not received the provisional credit. At that time I was told my signed paperwork was not received. I was also told the dispute area was closed so they would have to call me on Monday. And that I would not get provisional credit until 10 days AFTER the signed paperwork was received. They said they would re-mail me the documents for me to sign and it would be an additional 10 days AFTER they receive those documents that I would receive provisional credit! 
It looks like the charge to my account is an ACH transaction that obviously was taken from the wrong account. Maybe {$350.00} is not a lot of money to them, but I need the {$350.00} that was incorrectly taken from my account to pay bills. The bank refuses to give me credit to the money that is mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/23/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX county child support opened a case against me in XX/XX/XXXX when they started taking child support out of my checks. I was then XXXX in XX/XX/XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed XX/XX/XXXX an report was added to the credit report in XX/XX/XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: upon investigating the issue with XXXX XXXX, I discovered that the loan was brought by FED loan servicing around that time frame and was advised by the representative not to make a payment because they were buying the loan at that time. well now FED loans is giving me a hard time about getting this information which could clear this issue on my credit report. I need them to get me that information.

Company response to consumer: Closed with explanation