milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have reached out to Ditech repeatedly to have them fix their records of my mortgage payments. My mortgage is up to date with payments but they continue to show we are past due AND assess me late fees that are not justified. My email messages and phone calls continue to go unanswered. The long and the short is .... As we explained in emails we were victims of identify fraud XX/XX/XXXX. That led us to having to open a new account so our XX/XX/XXXX payment was not made until XXXX/XXXX/XXXX. Then we forgot to setup autopay so our XX/XX/XXXX and XX/XX/XXXX payment was n't made until XXXX/XXXX/XXXX totaling {$3200.00}. Our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX and our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX. We are up to date until the next payment that is due on XXXX/XXXX/XXXX. 
To recap : XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$3200.00} covered XX/XX/XXXX and XX/XX/XXXX payments XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment Next payment not due to you until XXXX XXXX for XX/XX/XXXX mortgage. 
Along the way they took multiple payments from my account but they have refunded those.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I contacted FedLoan Servicing via email with no response one week prior then called to follow-up with a phone call to discuss unpaid interest on my account. Spoke with Fed Loan Customer Service, XXXX XXXX regarding my concerns. Per FSA IDR Plans Q & A Under the REPAYE Plan, if your calculated monthly payment does n't cover all of the interest that accrues, the government will pay all of the remaining interest that is due on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the REPAYE Plan, and half of the remaining interest on your subsidized loans following this three-year period ; and half of the remaining interest that is due on your unsubsidized loans ( including the subsidized portion of a consolidation loan ), during all periods. 
When looking at my paper statements, the online information about each loan and the loan summary information there is a balance for unpaid interest. I was told first that the unpaid interest taken care of on a monthly basis but I have not seen a reduction in the interest on any of my loans since transferring to the REPAYE payment plan. Was told that " it will be forgiven through PSLF and not to worry '' which is irresponsible. I requested an accounting of the total unpaid interest amount on my account and what portion is from unsubsidized vs subsidized and for what months. Was told ther is no way to get an accounting of unpaid interest, additionally was informed there may be a lag time in processing the interest subsidy. As of today, this has been a lag of over 6 months with no documentation or clear timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Trouble during payment process

Complaint: Chase bank bought my mortgage right before I was to pay it off.
My wife died the financial crisis was on and Chase sent me a bill to my address for a different house. They claimed they owned my mortgage but I told them it was the wrong mortgage. The amount i owed was wrong, the id number was wrong. I made double payments the first two years of the loan, we had payed it down to {$50000.00}. So 9 years ago they said I owed more than {$15000.00} by more than double. I tried to refinance several years ago to get some money out so they could fix their error but they gave the money to themselves so I cancelled the refinance. but they went on with it like I didnt refinance the house. last year they started double withdrawing even if i paid it externally. The chase bank representative said to let the automatic withdraw remove the money. So I listened to him. Then I noticed that they were n't auto withdrawing. They said it was paid off at another Chase Bank so I thought they corrected the error. No they started sending me letters from a XXXX XXXX XXXX. Saying I owed them {$40000.00}. No way I would owe them less than {$5000.00}. Ive called them several times, they keep asking about a credit card. I put a stipulation 6 years ago that I could never have a credit card because a false application came across, now they are saying Im owing for a credit card I gave them instructions not to allow, so they refuse to talk to me about my mortgage. And now they are foreclosing on my house. I think its because Im a veteran. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (GA).
Issue: Getting the loan

Complaint: I had a previous loan with them that I paid off   XXXX    . I reapplied yesterday  X/X/17    for a new loan of {$900.00}. I received an email stating I was approved and the money would be in my account today. However, my husband also has a loan with them and now they are putting the  XXXX  accounts together and state I can not have a loan. My husband and myself called to try and get the  XXXX  accounts separated, but they keep messing them up. They then called me today and said I have to verify my bank account. They ask for my full social, my address, my date of birth and my email address to validate my account. I do not agree with that. I want to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Trouble during payment process

Complaint: I have a home that was flooded by Hurricane Harvey. I immediately reached out to my mortgage company, CitiMortgage, to inquire about a forbearance plan for a Federally declared disaster area. On XXXX/XXXX/XXXX, I rec 'd a letter from CitiMortgage granting me a 90 day forbearance period. I did not make my XXXX/XXXX/XXXX payment, per the information in the letter CitiMortgage sent me. 

On XXXX/XXXX/XXXX at XXXX, I rec 'd a call from CitiMortgage indicating they are calling to collect on a past due debt. I informed CitiMortgage I did not make the payment per their forbearance letter instructions. They confirmed they were aware I was on the forbearance plan, but they stated they would call me weekly until the past due amounts are paid. I asked the rep to explain to me if this process makes sense, as they are the ones that granted the forbearance plan. She stated it does not make sense ; however, they will continue to call me to collect the debt. 

Attached is a copy of the letter, which nowhere do they state that under the plan they will attempt calls to collect a debt. I would appreciate some guidance as to how to proceed with these knuckleheads. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient misallocated payments, steered struggling borrower toward NOT BEING ABLE TO RECEIVE INcome-driven repayment plans, and HAS provided unclear information on how to receive a forbearance and deferment for the student who receives public assistance and who is unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XXXX to XX/XX/XXXX, my gas card was stolen. I had that card since XXXX and never had a problem until it was stolen. I notified XXXX and they did not remove the fraudulent charges. I emailed them, sent them letters, called them, however they did not stop the card which was being used in Mississippi. I had automatic payments coming out of the bank account so as not to ruin my credit and stopped those to try and resolve the problem figuring that would cancel the card. Of course after not paying they sold the account to Midland, instead of reversing the charges. Midland filed a lawsuit XX/XX/XXXX, which they stopped because of my Motion to Compel Arbitration. I filed a XXXX Arbitration and paid the fees per the credit card agreement, however, Midland refused to pay their fees and refused arbitration. I informed XXXX  of the stolen credit card and fraudulent charges. Midland stated in their lawsuit that because the dispute was untimely, the charges stand. Well, they were not untimely. Midland is damaging my credit. XXXX credit card agreement states all disputes will go through arbitration and Midland broke that  agreement by not following me into XXXX. Also, Midland is using XXXX as one of their Names to report their collection even though all information is Midlands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Shopping for a loan or lease

Complaint: Received letter from LoanMe , Inc. offering a loan of up to {$10000.00} at an APR of 99-180 %. 

That does n't sound right to me. The XXXX gives this business an A+ so I 'm not sure if it 's criteria can be trusted either. 

Maybe I do n't understand what a fair installment loan is but 99-180 % APR just seems ridiculous. What makes matters worse is that I could use the money and can just imagine there are folks out there who may just be desperate enough to accept the terms. It just seems wrong that these loan offers can be sent to people when they just seem so unfair.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened on XX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: Requested on  XXXX ,  XXXX ,   XXXX   verification method FCRA, sec tion 611 ( a ) and ( 7 ) l etter to Transunion. never received requested information from Transunion. Transunion is still reporting on inaccurate information on my credit report.

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 06/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I use to have a XXXX XXXX that was opened in XXXX/XXXX/XXXX and paid in full by XXXX/XXXX/XXXX. Credit card was Paid off in full before I closed that account, yet TransUnion is reporting it as placed on collection XXXX/XXXX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 
Why is the credit card that a consumer paid in full and closed being reported / forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices. How can a credit card that a consumer paid in full and closed being reported being forwarded to collection agency and reflected on my credit report as in collection. I reported this to TransUnion XX/XX/XXXX and yet no action has been taken

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/XXXX, I disputed XXXX adverse accounts on my credit report. I listed in my dispute that I wanted to dispute the date of first delinquency. When I received the final resolution of my dispute, there was no change in information reported on my credit report with the exception of the date reported. When I called Equifax , I spoke to a XXXX XXXX that explained to me that there is no way to distinguish between the date of first delinquency or the date of last delinquency in the information that is sent over to the creditor. I was advised that the creditor has the option to choose which XXXX they will send. I then advised XXXX XXXX that my dispute was not handled properly because the date of first delinquency was not verified and this update in the date of reporting had negatively impacted my credit score. I wanted the information on my credit report to be accurate. These accounts had not been reporting since XXXX, but now since they updated Equifax , with the same information as before, the date of last report had changed to XX/XX/XXXX. So now, this account will not be deleted from my report for an additional 10 years from the new date of last reported ( based on the results of the dispute ). So I added XXXX additional years of reporting onto my report and the information that I added XXXX additional years of reporting onto my report and the information that I asked to be disputed had not been verified. This change in reporting date negatively impacted my credit score by XXXX points. I went from XXXX to XXXX. This may not seem like much to some, but it changes my status from poor to fair which is huge for a consumer. 
The dispute process was put into place to assist consumers with having accurate information on their credit report, if there was a risk to my score I should have been notified before hand and if I should have been made aware that there was no way to distinguish between date of first and date of last delinquency in my dispute so that I could have made an educated decision.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Was contact by an outfit called XXXX XXXX XXXX about an Exxon/Citibank credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from Citibank with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX.
This XXXX XXXX outfit is very sleazy and unprofessional They catch people off guard and out of the blue.

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 07/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Below you will notice the unauthorized transactions which were charged to my Wells Fargo by two companies that I never did business with. The charges were made on the XX/XX/XXXX by two companies for a total of {$970.00}. I attempted to file a claim with by contacting the Wells Fargo fraud department, but they ended up adding additional charges to the fraud claim which I did n't ask and that error led to the bank denying the claim. I contacted the companies that charged my bank account for the two charges and they informed me that I would have had to deal with my bank about the situation. I also attempted to refile the claim at my local as well as over the phone, but nothing got resolved. The fraud claim agents from Wells Fargo bank were extremely rude towards me when I attempted to explain to them the factors which led to the fraudulent charges and they did n't see to care. I would like Wells Fargo bank to refund me the total sum of {$970.00} which was stolen from my bank account. XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL  XXXX CARD XXXX {$130.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CARD XXXX {$840.00} = {$970.00}

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 10/24/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been a full time XXXX XXXX XXXX XXXX since XX/XX/XXXX. I completed a XXXX in XXXX in XX/XX/XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), Wells Fargo Bank, and finally XXXX. 
I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as Wells Fargo did not adequately relay this information to me and talked me into the consolidation. 
I have just about all of my loan statements. 
I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX my husband was working in the XXXX when the housing boom ended. He was out of work until XX/XX/XXXX and we filed bankruptcy because we had been unable to pay outstanding bills. Because we were struggling to our mortgage, we applied for a home modification in XX/XX/XXXX and submitted all of the paperwork required by J.P Morgan Chase. After submitting all of the paperwork they requested, they requested the same documents every 2 months for 5 years. We never received any answer or decision regarding our modification and in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX we failed to pay our monthly payment. In XX/XX/XXXX we went to the physical location of J.P Morgan Chase Bank to pay all of the monthly payments that were owed and the teller refused to take our payment because there was a hold placed on the account. We contacted Chase via phone and they were vague about what was happening with our mortgage so we contacted a lawyer and we found out that Chase was taking steps to foreclose on our home. We then proceeded to request the complete monies owed to bring our mortgage to current status and they told us they would contact us in several weeks. They never contacted us and would not tell our lawyer how much we owed either. In XX/XX/XXXX we took {$10000.00} out of my husbands 401K plan and brought the money to Chase to pay off the delinquent amount and they were unable to take the payment. Now, XX/XX/XXXX an auction has been set for XX/XX/XXXX. We have paid {$7000.00} in lawyers fees and we were denied a modification on XX/XX/XXXX because we now make too much money. For the past 6 years we have been trying to modify and we are losing our home. When my husband finally found employment with his previous employer, he was making {$XXXX} an hour, and I XXXX making {$XXXX} a year. 2 years ago he was making {$XXXX} an hour and I was XXXX making {$XXXX}. Our income has increased however at the time we defaulted we were struggling financially and we really needed help, I am back XXXX making {$XXXX} and my husband is currently making {$XXXX} but we make too much money for a loan modification. It does not appear that Chase was willing to assist us with our loan and we are making this complaint hoping for assistance as well as warning others who may be facing a situation like ours.

Company response to consumer: Closed with explanation