milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am in a modification and currently making trial payments, however the bank is selling my house out from under me. I received a notification of a assignment of right to bid this week from the bank 's attorney that was filed in the XXXX XXXX courts system on XXXX. I just paid my XXXX payment and the bank is still pursuing a foreclosure sale. further research in the court system shows a pending sale with a closed bid on my property. this is dual tracking and illegal. I have proven that I can pay my mortgage and the bank has given me a payment plan that I am abiding by and they are accepting my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.

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 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I signed up for the XXXX XXXX XXXX XXXX Chase Credit Card in XXXX 2017. I signed up via their website, which clearly stated that I would earn XXXX bonus points after spending {$1000.00} in the first three months of account opening. I do have a screen shot showing the offer that was made to me. I ensured that I exceeded the {$1000.00} of spending in the first three months of having my account opened so that I could earn these bonus points. However, the XXXX bonus points were never provided to me after several months of waiting. I then contacted Chase about the missing points. They informed me that I had signed up for a sign-up bonus of XXXX bonus points after exceeding {$2000.00} of spending in the first three months of the account. I tried speaking to different people inside of Chase via their secure messaging system, but everyone refused to help me. The problem is what their systems say I signed up for and what I actually signed up for are different. This is a " bait and switch '' scam that they are running, either knowingly or unknowingly. I was never informed of needing to spending {$2000.00} to earn my bonus points. I believe Chase needs to honor their initial offer to me of XXXX bonus points and that the CFPB needs to look into why Chase is offering potential customers one sign-up bonus, but then switching them to another sign-up bonus without their knowledge. Thanks! XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with ASTA FUNDING INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have come to find out that Palisades Collection, LLC XXXX has obtained a judgment against me that I never received notice to dispute, I called the Court and they say it was served to an address that I never resided at? How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a loan modification from green tree servicing and after months of submitting and resubmitting paper work they keep had already been sent, they finally agreed to a modification. They modified the loan to 40yrs and they said they would move part of the balance to the back of the loan. Well recently when I requested a credit report a saw that they structured the loan so that at the end I have a XXXX plus balloon payment that will be due. THAT WAS NEVER explain to me. This was the first a known that this loan was set up that way. They lied doing the whole process and now I see that they were deceptive as well. Your agency recently found them guilty of similar conduct. I want to know what I can do at this point to get this changed and whelther I need to seek legal help at this point to handle this matter. Thanks in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am doing a short sale for a client and the mortgage company, Bayview Loan Servicing gave us an approval in XX/XX/2016, but now refusing to honor that approval, so we can close. They have told me several times that the short sale was approved, but when I asked for the renewed approval letter, they keep lying to me. Their intention is not to process the short sale, but to foreclose. They now renege on their agreement in the past to the value.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, I applied for the HARP loan program through Bank of America. The purpose was to reduce my monthly mortgage payment of {$680.00} to under {$500.00} due to financial hardship. ( XXXX XXXX XXXX, I applied for Chapter XXXX Bankruptcy and was discharged ). After my HARP loan was approved, my payments, as expected, totaled {$470.00}. In XXXX XXXX, I received a letter for Bank of America informing me that my payment had increased to {$620.00}. This was a total surprise and not in the spirit of the HARP loan program for which I understood to getting a reduction in my monthly principal payments. The refinancing of my original home loan balance, before HARP was {$68000.00}, after refinancing the loan balance with HARP I am now paying more for the house than I had before with a total of {$72000.00}. This all happened in less than one ( 1 ) year. As it stands, I did not benefit from the HARP loan or its counseling. This transaction has placed me in a greater financial hardship and responsibility than before. I would like this loan to be re-visited, as this was not my intended purposes of refinancing with HARP. 
The HARP loan has put me in more debt than I expected. My loan is now right back to where it was, at 30 years with a higher rate and balance.

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 06/30/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I faxed a dispute letter on XXXX XXXX 2016. I went to log on their dispute tracking system to find out that they never started an investigation the the inaccuracies on my credit file. I gave equifax ample time to complete an investigation and they disregarded my letter and are being very detrimental to the status of my credit file. This is not FCRA compliant. I know they received the fax because I was given a reply of successful completion of fax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: US Collections West, INC. REPRESENTING THEIR CLIENT XXXX XXXX XXXX has sent me incomplete documentation of their claims. 
They have failed to provide the documentation that was sent to XXXX XXXX XXXX disputing their misrepresentation and bills. I am attaching that documentation. 

They have not provided my claims of misrepresenting the amount due and sent to collections. Attached is my email to their client disputing the withholding of my security deposit : 1. The Property Inspection Move IN Report. 

2. REPAIRS requested at Move - In 3. Handy Dandy Move Out Packet with names, addresses, amount paid providers by me in compliance of cleaning and all work done to insure my deposit was returned in full.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Mortgage (Conventional home mortgage) with AMERISAVE MORTGAGE CORPORATION (TX).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, TX XXXX ph : XXXX XXXX XXXX, email : XXXX Date : XX/XX/XXXX To : Consumer Finance Protection Bureau Dear Sir or Madam : Re : Fraudulent Billing by AmeriSave Mortgage Corporation Loan XXXX XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ph : XXXX, fax # XXXX fraudulently overcharged {$830.00} in my Loan # closed on XX/XX/XXXX. Collected a total of {$2400.00} towards Impounds/Escrows, itemized as County Property Tax {$970.00} Home Owners Insurance XXXX MUD Taxes XXXX Total {$2400.00} whereas during transfer of Loan Service to XXXX XXXX transferred {$1800.00}, owing a balance f {$520.00} Offered a Lender Credit ( page 5 of AmeriSave Disclosure Statement dated XX/XX/XXXX ) of {$230.00}, whereas paid {$29.00}, owing balance {$200.00}. 

Multiple attempts made to obtain clarification of these transaction, but AmeriSave Mortgage Corporation refused to respond, but transferred the Mortgage Loan Service to XXXX XXXX XXXX XXXX. In addition, the interest rate offered was based on an erroneous Credit Report. Credit File corrected and I requested XXXX to review for a better interest rate, but they refused to respond. Rushed me to sign a second disclosure and closed the loan. 

I request your intervention to please facilitate payment of the overcharged {$830.00} as soon as possible. 

Thank you 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 08-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problems caused by my funds being low

Complaint: I AM SICK XXXX TIRED OF THIS BANK TAKING MONEY FROM ME. WHY WOULD YOU LET A TRANSACTION GO THREW OF MY ACCOUNT IS ALREADY NEGATIVE THEN YOU CHARGE ME XXXX DOLLARS AGAIN THEN A MAINTENCE FEE FOR WHAT YOU HAVENT BEEN CHARGING ME ONE.I AM TIRED OF THIS AND I WILL BE CLOSING MY ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Rewards

Complaint: I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Toward the end of XXXX I received a letter from Navient informing me that they had been sending my invoices to the wrong address and that my account was overdue. This account had been in deferment for quite some time. Most of my student loans had been managed by my parents early on and I had no idea that this account was coming out of deferment until I received the letter. The past due balance was immediately paid and automatic payments were set up to avoid any miscommunication going forward. Immediately after payment they reported me 90 days late and would not see any fault in their failure to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a loan modification package to my lender Nation star. I was given an approval for a HAMP Tier 2. In the documents I received and after a conversation with the assigned representative I was told verbally and in writing that the only reason I was denied for a HAMP Tier 1 was because I did not live in the property. I do live in this property and I sent them the requested documents to prove that I live in the property. I was told that the file had to be re-reviewed. I followed up a few times and each time I was told the file was under review. I called yesterday and spoke to a different representative who informed me that all of that was n't true. That I had to appeal the decision. This whole time I was told wrong information and was left waiting for a review that was not going to happen unless I appealed. Now after all this time wasted I still have no clear answer as to what is going on with my file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 02-05-2016 about Debt collection (Auto) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am making payments on a small car loan, may be running late about 20 days. The lender has called me 36 times in the last 20 days, or so.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with JPMORGAN CHASE & CO. (IA).
Issue: APR or interest rate

Complaint: I received my credit card statement in XXXX and paid the amount in full, including interest charged. When I received my XXXX statement I was being charged a " residual interest '' amount of {$5.00}. Nothing else is due, only {$5.00}. I reached out to Chase about this and they were the one 's that informed me about the " residual interest '' is from XXXX not being paid in full, even though I paid in full my XXXX statement. I do n't know if what they are doing is right or legal. I am submitting payment because I do n't have Chase to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been with  XXXX   XXXX , now  Navient,  since I entered  XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I have been on a payment plan of {$1000.00} per month, but have been notifiied in a phone call In  XXXX  that I have had much more in interest applied to my balance than principal and that my interest rate would be 18 % in  XXXX . I apparently, after 20 years, still have a balance of over {$150000.00}. I did indeed have a forebearance/limited payment from a  XXXX   XXXX   XXXX  ' Degree I got  in  XX/XX/XXXX  from  XXXX  University, but that does not explain the exorbitant interest pending next year or the amount applied to principal being so much less than the amount applied to interest. I request the CFPBs assistance in settling this matter. I was told that summaries of my account-to-date information would be on my site, but have not been able to get access. Seems to be rejecting password and user IDs after several attempts. I would suggest that the CFPB contact Navient and request access itself.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: was contacted via mail in regards to a debt over 10 years old. contacted thhe agency was mini miranda without verifying correct party confirmed that the account was past statute was asked to resolve and informed the agency i wasnt interested in resolving.. received another call where my identity was not verified and the debt was disclosed i asked why i was still being contacted in regards to a past statute account and why the office was demanding payment the representative stated their office will continue to contact for payment until resolved the representative made me feel harrassed and i communicated that at which point she confirmed it. the representative was talking over me shouting and being argumentative the entire call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I signed an original contract with XXXX  ( XXXX XXXX XXXX XXXX XXXX ) which obviously sold my information to this other company that I never had no original contract with which was XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.

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 06-09-2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Struggling to pay mortgage

Complaint: The short sale has been under review for 79 days. The first issue is, despite my third party authorization has been on file and I hav e asked Capitol One at least 15 times to update MY phone number (  XXXX  ) to their system to call me for updates and or document request. Capitol one says they will update the information but never do because they keep calling an invalid number and never inform me with what they need. When I call. customer service keeps asking for completely irrelevant documents such as hazard insurance invoices for OTHER properties, property tax bills for OTHER property, etc. I have been negotiating short sale for six years and I have never had a lender ask for such things that are completely outside the norm of short sale required  documents. The file has been held up and there is no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with CASH AMERICA INTERNATIONAL, INC. (OH).
Issue: Struggling to pay your loan

Complaint: threaten me with arrest

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.

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 07/19/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was reviewing my credit report and disputed a negative collection that I was not aware of. The credit agency identified the company as Credit Collection Services and they sent me information regarding the original debt as being from XXXX XXXX. I contacted XXXX XXXX who identified the debt as being from XX/XX/XXXX in Maryland for a XX/XX/XXXX vehicle that I have never owned. I also was not a resident of Maryland in XX/XX/XXXX as I live in Florida. I have never used nor had any contracts with XXXX XXXX. XXXX suggested that I respond to Credit Collection Services disputing the account and they would have it removed. I have sent two request to Credit Collection Services and they continue to send me letters requesting payment and reporting the negative item on my credit report. Can someone ask Credit Collection Services to remove this from my credit file and stop trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: ALL XXXX AGENCIES ( EXPERIAN, XXXX, XXXX ) ARE GIVING ME THE RUN AROUND SAYING I HAVE ALREADY RECEIVED MY REPORTS, WHICH I HAVE NOT..THIS IS THE SECOND YEAR IN A ROW..THERE IS NO WHERE ON THE REPORT REQUEST TO DISPUTE IT OR FIND OUT WHATS GOING ON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief