milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I was struggling to make my mortgage payments and attempted many times to do loan modification. My father was a cosigner on the loan and they required his information. He refused to provide his information so I continued to struggle, all the way into foreclosure. I did not receive notification of foreclosure, I found out by walking into a chase branch to make a payment. According to Chase Bank 's attorney, the foreclosure process started XXXX 2016. Here we are XXXX XXXX 2016, I go to my house and my realtor 's lock box has been cut off and replaced, with winterization notices. I have a third party who began a loan modification process for me in XXXX 2016, I provided her all needed forms and my father finally cooperated in getting a quit claim deed to her on XXXX/XXXX/2016. The quit claim deed Chase was waiting for was faxed same day. The house was auctioned in a sheriffs sale XXXX/XXXX/2016. It was my understanding that I still got a XXXX appeal period after a modification decision, and how can the have it up for auction 3 days after a decision. The third party rep was in constant contact with Chase and when she asked for a sheriffs sale date, XXXX/XXXX/2016, the did not have XXXX listed. Between myself, third party rep and my realtor, no one can make sense of this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: The company  XXXX  is n't getting the information they were requesting on my account even though i have given them access.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Good Evening, I 'm XXXX and I am writing in response to the Navient student loan legal concern. I recall being encouraged to take out a forbearance due to my financial situation. During this time I was trying to work to support my XXXX Mother and I, my income was the sole income there was no way I could pay monthly student loan amounts, so I was offered forbearance. I was never told anything about any other options and it was n't until recently that I heard of the income contingency plan. The customer service people at Navient make you feel lower than dirt for not being able to pay your student loan monthly amount. I 've cried in bed multiple times trying to figure out how to satisfy these people to the point of a full scale XXXX XXXX. I 'm not saying I do n't want to pay them, I am saying its impossible at this time and the federal student loan forgiveness plan put forth through President Obama, should be implemented regarding private loans. I 'll never pay off my student loans and money I have struggled to send appears to be pointless for the balance continues to grow, its like trying to walk uphill during a major mud slide you 're going to get buried. Please help myself and others, and thanks for bringing this issue into the spotlight.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
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: Several times I have communicated with chase bank, XXXX and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is Chase Home Finance XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence Chase bank, XXXX and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (NV).
Issue: Advertising and marketing

Complaint: The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an XXXX and applying for a new Discover card. I needed the cashback promised to be added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern : My name is XXXX XXXX and my social security number is XXXX. 
My wallet were missing for sometimes. I had to go through a lot to get me and my XXXX granddaughters back our identity. It 's been awhile now but I had already gotten everything back then XXXX months later I received my wallet while we were in the XXXX. We have been in the XXXX system from XX/XX/XXXX to XX/XX/XXXX 
While I were in XXXX I had payed a lot of my bills off of my credit. Whe we came to XXXX XX/XX/XXXX my credit were okay. Now I 'm just getting an copy of my credit report and I see that I have other charges on my account like XXXX XXXX XXXX this account is played in full if this is from my landlord. I have stated to them to clean this account If you could please get him to send/ fax you something in writing that this account is played in full and remove it off of my credit report. 
2. XXXX XXXX XXXX XXXX - I have never ever applied for an XXXX credit card. I know this one is a lie. The account were opened in XX/XX/XXXX. 
I were working and living in XXXX. So I know that it were not me. This charge is really wrong. 
3.XXXX.opened on XX/XX/XXXX. For {$100.00} dollars. This were not me cause I were still living in the shelter and working XXXX days a week.please help me clear the matters on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The complaint is with XXXX XXXX and Navient and has XXXX distinct partsServicer Issues:1. The servicers had discussed my loan issues/represented a negative connotations about my loan to family members in order to embarrass me. 
2. Threatened that i would be sued and my wages would be garnished and liens on my property3. Blammed me for the situation I was in and got very confrontationalPredatorial Lending:1. Material changes to my loan were done without fully informing me of the ramifications as I as bullied to accept the new payment schedules for fear of legal reprisal. 
2.I have filed a formal debt dispute and they are still contacting the co-signer saying that it is not applicable to themLastly and this is the kicker -- I was on a repayment plan with them, provided them with my CC and Bank info and they just stopped taking payments. According to them the payments would n't go through however there was money in the account. every time the due date rolled around. The purposely tried to default this loan

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Harmon Law Offices, P.C. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job and fell behind on my mortgage payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I called Discover to change which bank account my automatic payments came from. The customer service agent said that it was taken care of. The following month, Discover student loans withdrew {$530.00} out of my new account and applied it to someone else 's loan without my consent in addition to taking the normal payment out of the old account. They are now requesting documents to refund that money back to me even though it was admitted their error.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery is trying to collect debt from me but all they have is my name, they Social security they gave me is not mine and end in XXXX or something. 
I need them to remove it from my account as it 's not mine and they report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: I opened an account with Citibank because i thought they will be a better bank, but now they are starting with the stupidness. I called in regards to a check that i wrote for {$740.00} and A few weeks ago I saw that the check was presented as paid in my account, And today I receive a call from the person i wrote the check to and they advised me that there bank told them that there was a freeze on my account and the check was not paid, i go into my account and now all of a sudden the check is not showing no where in my account. I then called the bank and spoke to XXXX @ Citibank and she said that my check was not paid because there was insufficient funds in my account and the check was presented on XXXX/XXXX/2017. I told her that was not true because I had over {$9000.00} in my account she then tells me to hold and she kept me on hold for a few minutes and then comes back and tells me that she was sorry for the information my checks was blocked because they needed to be activated i NEVER received a letter stating that the check was not paid nor my account was blocked she then said that she was sorry and if i activate the checks they can represent the check and it would go threw. I said as of today I have {$170.00} in my account and the check will bounce she said that she understand and she is sorry. I had check this amount off because it showed presented so this should be on Citibank not on me and they have put me in a bad situation..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: The following information was taken by me ( XXXX XXXX XXXX ) : 1. Bank of America sent me a Reinstatement Calculation stating my loan was in foreclosure on XX/XX/XXXX requesting that I pay XXXX by XX/XX/XXXX. 

2. My action - I submitted a cashier 's check via XXXX XXXX  on XX/XX/XXXX in the amount of XXXX with a return receipt. I called on XX/XX/XXXX and XX/XX/XXXX, and I was assured my loan was caught up to date and would not go into foreclosure status. 

3. Bank of America served me foreclosure notice on Wednesday, XX/XX/XXXX and now my records of foreclosure are public and I am a XXXX Employee. 

4. My action - I contacted Bank of America for a fax to my employer to state that my bill was paid up to date. As of XX/XX/XXXX, I still have not received the fax after speaking to 4 customer service representatives with a call log of 2.75 hours attempting to get this issue resolved. To date, my information will be posted public and not to mention the humiliation I suffered and am still suffering at work. No FAX as of yet ( XX/XX/XXXX ) 5. An apology from the company.

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 01/14/2018 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In Between XXXX XXXX, 2017 and XXXX 2017 My identity was stolen. An unknown individual obtained services through XXXX WITHOUT my authorization in the Amount of : {$1900.00}. Allied Collection Services located in XXXX XXXX, NV is seeking to collect on this debt. But it is not mines. I have taken the necessary steps to dispute this fraudulent activity with all three credit Bureaus, Filed a police report and also Filed a extensive report with Federal Trade Commission. I have submitted a copy of my police report to the collection agency listed above and I have also submitted a written a certified statement to them as well. I am also seeking to find out if the named collection agency in even licensed in the state of Illinois.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Request a payoff statement on an existing loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The problem is n't really listed. I attended the aforementioned school which made many promise to those who attended during enrollment. This lead to a class action lawsuit filed against the school representing thousands of students spanning 14 states in which the verdict came down against the school. I continued to make student loan payment for a while of over {$350.00} a month even though I didnt receive any of the things that XXXX had promised. I became ever more frustrated as the company know as XXXX XXXX back then ignored my plea to fulfill what the school had promised themselves or find someone else to do so, especially since they still planned to charge me almost triple the price through the terms of repayment for services that I did not receive from the school itself. So I look for help and was contacted by a company called Consumer Protection Council, who present me with their program that was supposed to deal with this issue but also provide legal defense ... which as of earlier this year stopped because of some legal issue against the owner of that company. So that is where it stands right now. The school mislead me and those who attended it which has been established by the class action suit, but am unwilling to fulfill what was agreed upon between the school and I ... but charge a highly inflated price for services that I had not received. So I will virtually be paying for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been on an adjusted rate mortgage now at 6.5 %. My husband became XXXX and is on SSI at 1/2 his salary when he was employed. We fell behind and attempted to have Rushmore provide a loan modification. They first offered a 6 % interest. We still did n't see how we could meet that mortgage. Hired an attorney. Then the attorney insisted they re-review our numbers. Eventually Rushmore again stated that they would not even review us for a modification. This is the second time they have tried to take our home from us. The first time, because of a settlement, we were able to catch up but we do n't have that luxury anymore. Now we have just filed for Chapter XXXX bankruptcy to try and protect our home and see if we can finally get a real modification through bankruptcy court. Since we fell behind originally by 2-3 payments, every month we have tried to send in our monthly payment but Rushmore has refused acceptance of every payment we have tried to send in since XX/XX/XXXX. Because of their refusal to accept payments, we are falling ever more behind every single month and adding more to an impossible situation. Now we have severed ties with that attorney and after losing money with them we have had to pay someone else to file the bankruptcy. If our situation does not warrant consideration for a modification I do n't know what does. We just want the chance to have our loan modified to at least current interest rates and do n't think that 's unreasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EQUIFAX IS WRONGFULLY MISREPORTING INFORMATION ON MY CREDIT REPORT AND IS NOT TAKING ME SERIOUSLY. I AM A VICTIM OF FRAUD, AND THEY CLAIM THEY VERIFIED SOME DEROGATORY BEHAVIOR ON MY CREDIT REPORT, BUT HAS NOT YET SHOWN PROOF OF THEIR VERIFICATION PROCESS. I AM DISGUSTED THAT SOMETHING LIKE THIS IS ALLOWABLE IN THIS DAY IN AGE OR EVEN LEGAL. PLEASE LOOK INTO THIS MATTER AND INFORM THEM OF THEIR IMMORAL BUSINESS BEHAVIORS. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Macy 's Consumer Credit card continues to charge me {$2.00} a month for XXXX balance on my card. I have tried numerous times to have this solved. On XXXX XXXX with {$4.00} charged to my account I called ( XXXX balance ). They claim is interest of the unpaid balance which was paid in Full in XXXX 2016. They told me if I paid the {$4.00} there will be no further charges. Received my bill again today, and {$2.00} charge again on my statement. This is a rip off. They refuse to refund me. How can they get away with this??? WORST CARD EVER!!

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 04-11-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am a Foreclosure Specialist who has a client that has a loan through DiTech and they would like to modify it. I sent a RESPA request to them on XX/XX/2017 and they have refused to send me the documents necessary to try and get them a modification. If there is anything you can do it would be appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Closing on a mortgage

Complaint: In XXXX 2017 I began the process of refinancing my existing Ditech mortgage. Since then I have tried to get an explanation as to why I was double charged for interest during the process. My " Borrower Final Closing Statement '' clearly shows my paying interest on the old loan until X/XX/17 as well as paying Prepaid Interest on the new loan from XX/XX/XXXX-X/X/2017. Per Ditech 's correspondence of XXXX XXXX, 2017, ( which did not actually address my inquiry to them about this double payment of interest ), they state the old loan was paid in full on X/XX/17. To me, that means I paid interest on the old loan for 6 additional days at $ XXXX/day AS WELL AS paying interest on the new loan for 1 additional day at $ XXXX/day. For some reason, Ditech sent me a check for {$110.00} on XX/XX/XXXX after my first inquiry into the matter. and their XX/XX/XXXX correspondence states they sent me a refund for {$110.00}. There still has not been an explanation for that particular amount ( the check stub showing it may have been from an escrow account ) - and dividing the $ XXXX/day amount into {$110.00} does not yield a satisfactory explanation as it does not come out to 6 days obviously or any round number of days for that matter. I am asking for your help in this matter because I talked with three representatives, and no one seems to comprehend what I am disputing. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Hello, To whom who may concern : my name is XXXX XXXX. I attended XXXX College and they took me in without asking me for my High School Diploma. I thought that was very wrong for them to do that. Also, they have never helped me find a job after I XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a Student Loan from XXXX and XXXX through Navient. 
1. They do not mail statements.. 
2. XX/XX/2015 I was involved in a XXXX ... stopped school. 
When we moved from XXXX to XXXX I called them and wanted a forbearance ; first they declined.. then since I was unemployed they offered me XXXX. 

3. Within a week they listed my loans on my XXXX credit reports as being as agreed to late and delinquent lowering my credit score from XXXX to XXXX. 

I contacted them ; emailed them through their site and told them of the problem.. employers chk credit scores for medical and when you are around locked XXXX, etc. TNavient then directed me to different directions and for XXXX months this has been going on and all I get are excuses and no action. 

Ca n't get a good job with a low credit score and they refuse to change it.

Company response to consumer: Closed with explanation