milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a good solid contract and the buyer has already been pre-approved for the loan. The bank will not consider the short sale. Also, when I phoned the bank regarding foreclosure alternatives, it was relayed to me that my only recourse was to do a short sale. No one ever informed me about being able to apply for a loan modification. 
I had to go to an outside source to learn about this particular foreclosure alternative. I am trying my hardest to get this done. At this point I am desperate for assistance and I am reaching out to you as a consumer for help. I feel as if the lender and/or their representative did not do what the government says, which is provide alternatives to me as a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I make a deposit of two checks of {$430.00} making a total of {$860.00} on XX/XX/XXXX the system make part of that money available in my account, which I use the same day to pay my credit cards and others payments, even that there was an amount of money left in my account. Just a few day later on XX/XX/XXXX, I check my account and that money was removed from my account and charge me with an overdraft fee for each transaction I did when that money still in my account, that is a moved I find very unfair. even I have set up the overdraft protection. I contacted Bank of America by phone and they do n't want to remove the charges and tell me the money is going to be available by XX/XX/XXXX. but they are going to keep the money.

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 02-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Deposits and withdrawals

Complaint: Got a " update '' of the Deposit Account Agreement. Here is a copy from the document : " WE ARE UPDATING OUR DEPOSIT ACCOUNT AGREEMENT On XXXX XXXX, 2016, we will publish an updated version of our Deposit Account Agreement so that it is easier to understand. The updated agreement will be available on XXXX, at a branch or by request when you call us. 
Please read the entire document, paying special attention to these sections : - Deposit Records and Receipts ( page XXXX ) : If you deposit an amount that is higher or lower than what is on the deposit receipt, we are not required to adjust your account for discrepancies of {$10.00} or less. See below for the full paragraph that has changed. '' This seems a unilateral and unreasonable change in the contract for banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I contacted the company to get information pertaining to the alleged debt. They sent me a debt validation which shows I owe a balance of {$150.00} to the school when I had student loans and financial aid. The debt is not owed. The first time the lady hung up on me. I called back and they do n't tell you there name and the person said they will not remove the debt and will still on my credit she does n't care what I say or do. Then she rudely hung up on me. I then went to the Indian a Secy of State to check them out and found they are not licensed or registered in the State of Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a notice from dbt solutions saying I owed on an old XXXX bill. I called them and they told me that I never returned XXXX equipment. I told them that my mother did bring package to XXXX and that she still had the proof. Thy told me to send the proof in. My mother faxed over the receipt and a letter telling them that she personally brought the package containing the equipment to XXXX for me and had gotten the receipt. she even wrote on the receipt when it was received by the company who handles the equipment for XXXX. It does not go back to XXXX but the company I guess who manufactures the equipment for XXXX. It was received on XX/XX/XXXX by a XXXX XXXX. In 2014 she had checked the tracking on line to make sure it was received. Good thing she kept the receipt. She also stated in the letter to dbt solutions that this should never even been put on my credit report in the first place. She told them I wanted it removed from the XXXX credit bureaus because it was XXXX error and this was cleared up 2 yrs. ago.. XXXX would not even talk to me about it because they said this was a old closed account and sold to dbt soultions. This was done over XXXX months ago. As of this date it is still showing up on my credit as XXXX balance but still showing as collection account. This had lowered my score by XXXX points and caused me to loose out on getting a mortgage at that time. I am still trying to get a mortgage to buy a house for my growing family as we are XXXX next month. I want this removed from my XXXX credit reports ASAP. They told me it would be but they never followed through. This has been a nightmare.

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 08-04-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I would like to be provided validation or contract from this company for the {$4100.00} debt that they are saying I owe them! I do not have a contract with this company also this company does not have an active license to collect debt in FL state. This debt has been placed on my credit report for the past five years and I have disputed it a numerous amount of times and have requested validation of debt from the credit bureaus to support the debt collectors defense and have never received it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Trouble during payment process

Complaint: Bank of America referred my mortgage to a law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MN XXXX ( XXXX ) XXXX with a pending mortgage modification application. 

Bank of America is also reporting a mortgage escrow shortage that doesn't exist

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 08/27/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Credit determination

Complaint: I was online reviewing product on Ashley Furniture I wanted to Finances the product they inform me that I can not Finance for order on line and I can not apply for Ashley Furniture XXXX Card because I not in the purchasing their product. What is their not Ashley Furniture in your city the store in XXXX sell their product but not a Ashley Furniture XXXX so is it fare to say to customer that do not have Ashley Furniture XXXX near them the can not apply for credit Card or Finance the Furniture everyone should have the same opportunity as those customer that have a Ashley Furniture XXXX in the State or Neighborhood. Please investigate Ashley Furniture Product and Service are legal and not violating all customer rights and they working the business according to United States Federal RegulationsIt 's the card that suits your style & budgetWe designed this card so you can enjoy everything Ashley Furniture XXXX has to offer, plus these benefits : Special financing availableQuick approvalConvenient payment options24/7 account accessSecure online payments & ebill statementsNo annual feeMoney-saving coupons & exclusive offersFor in-store purchases only ; card can not be used for online purchases. 
Subject to credit approval. 
Apply & use the card at these XXXX for the Ashley XXXX XXXX in store or online. Visit the nearest XXXX and a Sales Associate will happily guide you through the application process. 
Apply today for the new Ashley XXXX XXXX. 
It 's the fast and easy way to bring home the # XXXX Name in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My name is on a account that is my ex girlfriends account, i stopped receiving the bill and even called on this issue and could not get it resolved due to the fact it is under her name. This put a negative XXXX on my credit score and i would like to resolve this NOW.

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 04/30/2015 about Debt collection (I do not know) with LHR Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Saw a debt on my XXXX Credit Report from XXXX LHR Inc stating that I owe {$760.00}. The number is a non-working number but according to the report it was apparently an account opened with XXXX in XXXX. I contacted XXXX and verified that I never opened an account with them in XXXX. It would also have been impossible to open an account with anyone at that time since I was in XXXX training without any access to any media/internet/phone etc. It also states that I am making payments on this account but I am making no such thing. I would like this taken off my credit report as it does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 03-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am default on my Fed Student Loans. I was contacted by Navient ( XXXX ) to work with me to rehabilitate my loans in XX/XX/XXXX. After going through a 1 yr program paying {$50.00} a month I received a new bill from Navient increasing my payments by hundreds of dollars. 

I contacted Navient to see what could be done to reduce the payment back down and automated phone system would just reroute my account to speak with an associate that refused to discuss my Fed Student Loans until I paid off a private debt they had on me. 

I was not aware and could find no documentation of a seperate debt and informed the associate I was calling to dicuss my federal student loans. Which he refused to discuss. This took place late XX/XX/XXXX at which point i once again had no choice but to let my loans go into default because Navient refused to discuss my repayment plans. 

I am once again trying to figure out how to get my student loans under control from XXXX which has since closed due to the remove of Fed funding by the Federal Department of Education. I have now learned that the Fed is sueing Navient for the exact issues that led to my loans going into default again as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit card () with U.S. BANCORP (PA).
Issue: Delinquent account

Complaint: I 've had the US Bank XXXX business card for several months. For several months ( despite me spending hours on the phone trying to fix it each month ) when I log into my online account my balance appears as XXXX and there is no way for me make a payment if I wanted to. Each month I log in and see no balance due, then a couple weeks later I receive a letter in the mail tha my account is delinquent. I call, I get a run around on why I ca n't see my account online, and no on has been able to fix it. I 'm transferred between customer service and web support between personal reps and business reps, etc. This is clearly a deceptive practice as they are showing me my account is on time and paid in full, but then they tell me it 's not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: ALLY BANK HAS LYED ABOUT THE REPOSSIONS OF MY XXXX XXXX XXXX, WE GAVE CAR BACK IN XXXX XXXX, CAR WAS TOTALLY NOT RUNNING, XXXX XXXX DEALER, XXXX NEW JERSEY WAS TOLD TO GIVE CAR TOO BANK, WAS UNABLE TOO REPAIR, CAR COULD NOT BE STARTED, PROGRAMS IN THE MAJOR RUNNING SYSTEM NEEDS TOO BE TOTALLY UPGRADED. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER, OR BANK! 
WE NOTIFIED THE STATE ATTORNEYS OFFICE, CONSUMER PROTECTION AGENCY, NEW JERSEY AND ALSO THE LEMON LAW. 
COMPLAINTS WERE SENT TOO CONSUMER PROTECTION AGENCY, ALSO TOO ALL CREDIT BUREAUS IN XXXX, XXXXTHIS WAS A BAIT AN SWITCH TACTED BY XXXX NJ. 
THEY 'VE DESTROYED MY CREDIT, ALSO LYED TOO THE CREDT BUREAU ABOUT ME VOLUNTARY REPOSSESSION, THEY SAID HEY REPOED VEHICLE IS A MAJOR LYE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX 2016 XXXX took a fraudulent application for credit and ran it anyway through the transunion bureau. Transunion had a credit freeze due to fraud on the account but permitted this to go through anyway. I called today to dispute this and was told that it was not transunion problem, but if i paid them money they would put a lock on my account. also transunion also stated that even though they placed a freeze on my account there was no phone number listed on it. needless to say, i have a hard inquiry that should not be there, transunion tells me that i should call XXXX XXXX ( but the number that is listed on the credit report does not work and when you XXXX the number you need an account number ) so there is no way for me to get in touch with the company. when i told this to the rep they became loud and yelled at me, they told me that it is my problem and that i should dispute this elsewhere since its not their problem

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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: 1 - I called Navient to inquire about paying the balance of my loan off and was told that I needed to pay the balance + future interests. The terms of my loan state that there is no early re-payment penalty, but paying the balance + future interest sounds exactly like an early repayment penalty! I understand paying past interest, obviously, but why would I have to pay future interest on a loan I want to pay-off? 
2- I also went into forbearance for a while due to unemployment and continued to accrue interest during this time 3 - I called to see if I could get my payments changed to match my income ... the response was a payment amount WAY above what I could reasonably afford with local housing, food, living costs under consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with IMMEDIATE RECOVERY GROUP, INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had thought that my student loans were deferred. I applied for that when I had to take off for family illness. 

I did n't hear anything until I got the paper that they were taking my tax refund. I had no chance to review or dispute or even to make a payment arrangement. 

This puts our financial situation at risk. We needed that return to catch up on bills. 
.

Company response to consumer: Untimely response
Consumer complaint received 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the Chase account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation but, I do not believe any of the the 3 credit reporting companies were provided the correct information by Chase with no evidence of the recording ( which Chase tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (WV).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, XXXX, I applied for a bank account with XXXX XXXX Bank in order to receive discount on a new vehicle loan. The account was initially approved but then refunded due to a report from ChexSystems. I knew of no reason for the report so I contacted ChexSystems via their website XXXX XXXX, XXXX. I asked for VALIDATION of said dispute on their email system. They sent me a letter dated by them XXXX/XXXX/XXXX, however it was the XXXX that I received it. Letter stated they would investigate and return information within the required 30 days. A letter dated XXXX/XXXX/XXXX was then received by me saying they had verified the information and it would not be removed. It did not explain their procedures or validate the accuracy. I received the letter in mid XXXX. I was able to finally get a phone number ( not from their site ) and called, the person had a foreign accent and was rude. I then verbally and in writing demanded VALIDATION. I received a letter in XXXX, dated by them XXXX/XXXX/XXXX, stating again that they would investigate and get a response within the 30 days as required by law. Finally I received a letter dated by ChexSystems XXXX/XXXX/XXXX saying they now could not verify the information and it was removed. I have all these letters. Also, in my state, they withdrew their bond and their license was terminated in XXXX. The paperwork is too much to scan and send but I can provide it. They obviously stalled and obstructed the compliance procedure. Simply though, they broke the law by not providing accurate information of their verification process and doing so was not in legal time frame and they are not a legal entity in my state, with no Resident Agent ( which I asked for and never received name thereof ). It took from XXXX to mid XXXX to have it removed, clearly not within 30 days.

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 11/22/2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (NY).
Issue: Trouble during payment process

Complaint: 1 - I mailed a payoff request letter on XX/XX/XXXX Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
2 - I requested a payoff via the vendor 's email account on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
3 - I requested a payoff via the vendor website on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per 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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is showing up on my Experian report as negative. Also it is showing up a a foreclosure. This needs to be corrected with XXXX  and Experian. Please alert them of this reporting negative on my Experian report. All other agencies have corrected it.

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 05-11-2015 about Mortgage (Conventional fixed mortgage) with SUMMIT FUNDING, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have a FICO score of XXXX. My only debt is $ XXXX on a property that just appraised for $ XXXX. I have a XXXX figure guaranteed income. I am looking to refinance my existing property to purchase a XXXX home. I contacted Summit Funding who advertises to be associated with XXXX, who pays my retirement. The loan agent has engaged in bait and switch ( offering closing costs at {$1800.00} on the phone, then providing a GFE that was almost XXXX that ). They stonewalled on the appraisal, promising a turnaround of XXXX days which ended up being XXXX. They have caused one delay after another. They offered a rate lock of XXXX days, knowing they would stall long beyond that ( we are now nearly XXXX days into the game ). Their rate lock agreement says that if the lock expires they will only raise but not lower rates ( again knowing that they would stall beyond the lock period ). I just contacted XXXX to file a complaint, only to be told that they terminated their home loan program in XXXX 2010, and that their program was thru another firm anyway. So now Summit Funding, by claiming association with XXXX, has committed outright fraud.

Company response to consumer: Closed with explanation