milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out XXXX student loans while completing my XXXX program at XXXX University in XXXX, AL.. however, my student loans have more than doubled what i borrowed initially. When i called XXXX to get a breakdown, ( as there was XXXX private loan i had no recollection of ) i did not get through to anyone, but when i tried again, i was provided with another number, where i left a message maybe over a year now, and no one has called me back. Whenever i call, it is quite difficult to get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Mortgage (Conventional home mortgage) with PLAZA HOME MORTGAGE, INC. (CA).
Issue: Trouble during payment process

Complaint: I AM TRYING TO COLLECT EXTRA MONIES COLLECTED DURING ESCROW FOR THE PAYMENT OF FLOOD INSURANCE. I PAID A COMPLETE YEAR OF INSURANCE BEFORE ESCROW CLOSED. I AM PAYING A MONTHLY CHARGE FOR THE NEXT YEARS INSURANCE WITH THE PRINCIPAL PAYMENT. THERE WAS AN ADDITIONAL {$1000.00} COLLECTED IN ESCROW TO PAY FOR 2 MONTHS WORTH OF INSURANCE UNTIL MY MONTHLY PAYMENTS ACTUALLY STARTED. THE REMAINING BALANCE IS {$610.00} THERE IS NO REASON TO KEEP THIS AMOUNT. I HAVE RECEIVED 3 LETTERS STATING THEY ARE RESEARCHING. 
TO DATE -- NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We sold our house in XXXX Maryland in 2011 and paid our last monthly payment to XXXX by electronic transfer from our bank account. XXXX/XXXX/2011. Proof of payment to XXXX from XXXX XXXX XXXX enclosed. 
On XXXX/XXXX/11, XXXX sent us a REFUND. Enclosed is copy of the letter from XXXX that accompanied the refund. 
XXXX repeatedly sent us bills for the amount that was paid, even though we repeatedly sent them copies of the completed transaction. 
Enclosed is a copy of the bill from XXXX/XXXX/2011. 
Many phone calls were made to them with to no avail. We gave up. 
They then turned the bill over to a debt collection company which in turn as sold the debt many times to other debt collectors. We are being constantly harassed by the latest debt collector, Southwest Credit Systems. 
We are now applying for a mortgage and this old debt on our credit reports is affecting our interest rate. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX took my application for mortgage loan starting XXXX/XXXX/XXXX. The underwriting department then sent to chase for approval and they responded with more info needed and XXXX XXXX XXXX gave them what they needed the XXXX XXXX XXXX gave me a 3 day disclousure to close. today at XXXX XXXX. the chase bank according to phone conversation with XXXX XXXX at XXXX XXXX XXXX that chase turned down loan because I filed a XXXX tax extension and both banks knew this and no one was concerned Me and My wife feel that it was a simple case of age discrimination against chase and We did not break any laws by filing a irs extension we still had our XXXX were we made the money but they decided we were to old to by the house so I ask XXXX XXXX to go back to chase and ask why they would not except the XXXX they refused to comment so therefore I think it was because of our age there should be a complete investigation also I'am a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Other debt) with ERC (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC is attempting to collect for XXXX XXXX. This debt is a result of window shopping for cellular service. XXXX XXXX acquired and ran a credit check. But after some thought service was not acquired. XXXX XXXX has charged me for services that were never used or activated. ERC may do some research see that XXXX XXXX falsely charged me. XXXX XXXX has been contacted but never responded to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian knowingly report inaccurate information refuse to comply with multiple request to provide verification of account yet certified the information is accurate. Report number XXXX Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Phone number : ( 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 04-07-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: It all started when my account was negative due hardship. An error through a gas station app made 3 transactions on my bank account. I understand that the bank charged a fee of {$35.00} for each transaction on XX/XX/XXXX and XX/XX/XXXX. I did made a check deposit to clear the payments, but the bank put a hold on for days and kept me charging for more overdraft fees on XX/XX/XXXX and XX/XX/XXXX. For some family that was going through a struggle all that fees are unnecessary. 
I called bank of America and they helped me with only 4 other charges that were also made on XX/XX/XXXX way after my check was cleared. I was transferred to another department, and he also said nothing he could do with those 5 other fees they were charging on XX/XX/XXXX and XX/XX/XXXX. They charged me over {$400.00} only in fees. I said I understand the first ones was made due negative account, but not another XX/XX/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 monetary relief
Consumer complaint received 04-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (WY).
Issue: Application, originator, mortgage broker

Complaint: We are working with a local Bank here in XXXX, Wyoming to get our Interest Rate lowered and the Bank submitted a Title check of our Loan and found that the previous Mortage Holder of our Loan ( XXXX ) that went Bankrupt during 2008 the loan was acquired by Bank Of America and has us with the Inital Loan not being eliminated.

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 05-05-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX Bank, Bank XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: At the time of this encounter, I was covered by medical health insurance and provided same to the provider at the time of service. Additionally, the provider indicated that they were an In-Network service provider at the time I scheduled the appointment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Case # XXXX. This concerns our complaint. Wells Fargo sent us an envelope where they pretend to have wrapped this case up. We agree with only about XXXX paragraphs out of about XXXX pages. We understood that they were selling our loan It was only a case that Wells Fargo was changing Servicers and giving us a new address to where we send our payments. The rest of the information is in fact taking the truth and mixing it up with total false information. We do not agree with their explanation, we have a paper trail that proves the opposite of what they state. This is business as usual with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Morgtage needs to be reviewed, monitored and stopped in reference to : 1. Harassing inappropriate communication with mortgage holders. 
2. Inappropriate statements being sent to foreclosed mortgage holders. 
3. Unwillingness to work with HUD housing counselor - lack of knowledge on how HARP works, how foreclosure works and over all mortgage process for up to date assistance to mortgage holders. 
Nationstar bought my mortgage in XXXX XXXX and final foreclosure occurred on my property in XXXX XXXX. I was forced into bankruptcy XX/XX/XXXX and the bankruptcy was finalized in XX/XX/XXXX, which canceled my complete mortgage debt bought by Nationstar. Even though my property was foreclosed on in XXXX XXXX and my bankruptcy canceled my mortgage debt ... .Nationstar continues to contact me by phone and letters. There is NO reason for this contact and months after the finalized foreclosure if my property this contact is HARASSMENT! 
Nationstar is also sending inappropriate, misleading financial statements expecting payment for fees and charges Nationstar has accrued due to the foreclosure of my property. Even though Nationstar calls the statement " Informational '' these fees and charges are NOT MY RESPONSIBILITY - so what right does mortgage companies have for sending out misleading and false statements? 
" INFORMATIONAL STATEMENTS '' are wrong and must be stopped ... .how much money has mortgage companies gained from knowledgeable highly targeted seniors???? 
In discussion with housing counselor in WA state I was told to send Nationstar a certified USPS letter telling Nationstar to stop all communication immediately. Nationstar has ignored my letter and has stepped up contact by sending more letter even documents for escrow ... .why????

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Trouble during payment process

Complaint: My wife and I refinanced our home mortgage with  JP Morgan Chase  in  XXXX  and it was to be an interest only loan. We have received a letter from the bank  (   XXXX   XXXX  ) advising us that our loan is being amortized over 20 years and our interest rate is being increased. This action will nearly double our mortgage payment. As I am  XXXX   years old  and my wife is  XXXX   years old  and we our on Social Security, as our only stable income, this action will cause us to have to sell our home. I have tried to contact the bank but I get transferred around to different people having to tell the same story over and over again only to ultimately be put on hold and then have them just disconnect my call. So, I get to start all over again. I received a letter from Chase Bank, the first week of  XXXX . The letter had a  XXXX   XXXX ,  XXXX  date on it. It told me That a  XXXX   XXXX   XXXX  was my " new dedicated Relationship Manager. '' It said, " Call me any time you have questions or concerns. '' It listed 3 numbers. A general number, TTY number and a direct number. I, of course, called the direct number and rang into the same old call center that I been calling before. I was put on hold to finally get a lady who explained to me that there was NO  XXXX   XXXX  working for Chase Bank. She also explained that a lot of changes have been made. I told her the letter was dated  XXXX . She said " Well SIR, this IS  XXXX   XXXX . '' I asked to talk to her supervisor. I was put on hold for an additiona l 5  minutes to be disconnected. In addition, I pulled out my paper work from the refinancing in  XXXX  and could find no where in the loan documents a "  XXXX   XXXX  '' that disclosed the interest rate, total amount of interest, and total amount of payments if the loan termed out over 20 years. In a previous conversation in  XXXX   XXXX , I had asked  Chase  to send me copies of my paper work showing me where it said my loan termed out over 20 years in  XXXX  and a copy of my  Federal Disclosure Box  signed and or initialed by me and my wife as their letter stated. I received some paper work sometime in the next couple of weeks from Chase. They sent me some of my documents and some documents belonging to some people that had nothing to do with MY loan. They never sent me any copy of the  Federal Disclosure Box  that I had requested. We were never told by the loan officer, in  XXXX , that our loan would term out in 20 years starting in  XXXX  of  XXXX . There is a paragraph hidden in the middle of the  30  plus page document, that we signed and initialed, that speaks to the 20 year amortization but no  Federal Disclosure Box.  So, they lied to us at the time of signing and hoped we would not catch their lie ( which we did not ) as we worked our way through the signing and initialing process, for our house, at closing. We need help before we fall behind on our mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America, has not dealt with our loan modifications in good faith. In the past, they claimed the investor never approved the loan modifications. On XX/XX/XXXX, Bank ofAmerica responded to our complaint, and they claimed I filed for Bankruptcy ( BK ) protection in XX/XX/XXXX. I did not file for BK protection in XX/XX/XXXX. Furthermore, my attorney has researched the federal records & my name does not appear in the federal BK database for this period. In the same letter, they claimed to have granted a loan modification on XX/XX/XXXX, which was not accepted by me. It would have been impossible to accept their offer since we never received their letter with their favorable decision. 
I would have accepted their proposed modification immediately upon delivery. I have invested time and capital to secure a modification, it is not logical to for us to not respond to a favorable offer. At this moment, I request Bank of America to reinstate their offer and mail the notification via certified mail. The foreclosure of our home would have a devastating impact on our extended family. Please treat us fairly and negotiate in good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Sale of account

Complaint: I had a secured credit card through Orchard Bank, XXXX $ deposit, XXXX $ credit limit. Orchard apparently sold their accounts to Capital One a couple years ago and I have been paying them since and have paid them off now. I called to ask about my deposit and they said that they have no record of my card ever having been secured and have no record of my deposit. On line, I see that there are many others that this has happened to as well. I would appreciate receiving my XXXX $ back.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: many accts were paid by XXXX insurance bank took the money from the insurance but still charged off the accts get them to correct the file

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 07/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted several " account verification letters '' to Equifax about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX XXXX ( {$180.00} ) Account : XXXX XXXX XXXX ( {$220.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Other type of mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Applying for a mortgage

Complaint: On or about XXXX XXXX, 2017 I called Quicken Loans in response to an advertisement for HARP refinancing. The loan agent, XXXX XXXX, looked up my eligibility for HARP refinancing and was unable to locate my loan on either FHA loan sites. He tried to convince me to refinance, but I am self-employed an have less than a year of income history so know I would be unable to get approved for a loan. XXXX requested the ability to do a soft inquiry of my credit to see if there was something he could do. I was extremely reluctant, knowing that a ) I was n't going to qualify because of my self-employed status and b ) I did not want negative impact on my credit report. He assured me it would have no impact on my report. 

On or about XXXX XXXX, I received a complete loan application from quicken loans via US Mail. I was shocked, since I was 100 % clear that I had no intention of applying for a loan. I disposed of the application appropriately. I received several phone calls from Quicken that day and made it clear that I never had any intention of proceeding with a loan, asked them to stop contacting me. 

On XXXX XXXX, I received email from Quicken advising me that they are unable to go forward with the loan " because of adverse credit '', and promoting their credit counseling services. After looking up my credit reporting information, I discovered that they did a hard inquiry without my permission on XXXX XXXX. 

I am requesting that : A. The hard credit inquiry initiated by Quicken Loans on XXXX XXXX was done without my permission and I want it removed from all credit reporting agencies records. 
B. I want to be assured that a credit rejection does not appear in my records because I never gave Quicken Loans my approval to proceed with a mortgage refinancing process. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax discovered a massive security breach of confidential information including but not limited to social security numbers and names of their consumers. In addition to this lapse in security of important information they did not see fit to notify the affected parties until over 2 months after the fact. 

They have made no sincere attempts that are visible to the consumer to correct this error and have instead sought to intimidate the consumers for their own mistake by adding an unenforceable arbitration clause to the complimentary credit monitoring service they are offering to affected users.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation