milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I currently have a mortgage with BB & T ( initially XXXX Bank ). The mortgage is on a home I purchased in 2005 for at the time was my Primary residence. We have since converted this to a rental property as the home was no longer able to accommodate our growing family, and we were unable to sell due to market conditions. The mortgage is what would now be considered a predatory loan ( XXXX Interest only 1st 10 years ). In the past month the payment has ballooned as the loan has modified to its amortization stage the payment has increase by more than doubled what is was during its Interest only Phase from {$480.00} per month to over {$1100.00} per month. XX/XX/XXXX anticipating this change I reached out to BB & T to see if they were able to work with us on a refinance or loan modification. We were told we were unable to refinance due to the currently loan to value of approximately 130 %, the loan was not qualified for the HARP program as it is not backed by XXXX or XXXX XXXX ( we are told it is a BB & T/XXXX loan ). In XX/XX/XXXX we proceeded with the Modification/loss mitigation request as we were told this was our only option. After countless hours of works and endless documentation requests over almost 4 months we were told we had been declined for modification to a 30yr fixed program, leaving us only XXXX options keep making a payment we can not afford or let the home go into foreclosure. The reason for decline was that our current rents received cover mortgage payment. What BB & T failed to account for while delivering this decision is that there are Property Taxes, Home Owners Insurance & HOA Fees tied to this property that also require monthly payments. When factoring in these amounts we are at a significant loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX   XXXX   XXXX   XXXX    filed complaint for foreclosure on property without including /mentioning previous existence of  XXXX  loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: MORTGAGE companies have tooo much power over lending and following the rules for mortgages!!!! 
XXXX Mortgage bought my home loan from Chase bank knowing my mortgage and property was upside down and under water. I have been battling multiple mortgage companies since XXXX to process my mortgage under the XXXX program ; however, mortgage companies do nothing but stall, miss lead and sell my loan to other companies. Mortgage companies forced me into bankruptcy and destroyed my credit. I finally gave up battle to process my home loan under XXXX and asked for the " keys for cash '' program. Chase stalled ( as usual ) would not give information until XXXX XXXX that they sold my loan to XXXX. XXXX took THREE months to acknowledge they had my loan, refused to acknowledge our request to for keys for cash program ... ... NOW XXXX continues to stall and postpone the sell of the property for NO reason. My home counselor has never seen this treatment before ... ..Mortgage companies need to be held accountable financial treatment such as this!!!

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. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: After researching the reputation of Mr Cooper, I can see I 'm not the only one who they can not seem to 'service ' properly. They were happy to buy my mortgage from a big bank and _claim_ they 've paid the homeowner 's insurance as required by the mortgage but, like so many others, the check just does n't seem to get there. And without homeowner 's insurance they want to modify the terms of the mortgage? This is a predatory lending practice ... they should not benefit from failing to adhere to the terms of the mortgage ... I PAID into the escrow all year ; they are REQUIRED to pay those monies on behalf of both of us to protect BOTH party 's interests. Clearly there is a pattern and rudimentary research on consumer complaint boards and XXXX show there are internal problems with this company 's desire to do the right thing by consumers who have no choice but to do business with them. 
This mortgage company should be MADE to make it right with all consumers by providing proof of payment ( just like I would have to do showing a franked/processed check & the account it went through ) or they should have to pay penalties and make it right with the insurance companies who are cancelling policies because premium checks do n't arrive or bounce. What can a consumer do? I did n't choose this mortgage company. I am no longer in a position to modify or refi with another lender as I was when I took out the loan decades ago ... I just want to continue to pay as I always have, pay off the note, and keep my home for my children 's sake. Clearly this is all just a money game to them while consumers lives are toyed with while they work hard to keep their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to pay off my student loans since leaving college in 2010. At the beginning of the repayment period, my loans hovered at approx. $ XXXX due. I have paid my student loans ( never late beyond 30 days ) despite job losses and today my payment has increased to $ XXXX with no end in sight. I 've tried income driven repayment plans with no help. Unless I double my payments, I will see no progress in paying down. Not to mention that my loans ( which are supposed to be consolidated ) have varied interest rates attached to each loan. The rates range from 2.10 to 6.8 %. The website used to pay my loans is no help with trying to determine how to properly allocate my payments and the customer service number ( when it 's working ) leads to no help. I do n't understand why a consolidated student loan comes with varied interest rates. I would like someone to review my file and help me determine the best way to accomplish repayment. As it stands I will being paying these loans for 20 years when the rest will supposedly be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Debt collection (I do not know) with Northern Alliance Management, LLC (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Northern Alliance Management with telephone numbers XXXX and XXXX constantly calls my cell phone repeatedly When I returned the to XXXX XXXX she transferred me to some who was rude, threatening and hung the phone up on me. I called back to speak with the employee but then they just kept me on hold for a long period of time. When asked if they could send me something in writing that 's when the employee became rude. He quoted me owing XXXX different amounts that I supposedly owe, so I asked for something in writing and that 's when the employee became rude and hung up the phone on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I did n't know that the bill was send to collection without my knowledge, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree has used extremely aggressive threatening and harassing collection tactics in its rapidly growing servicing business I, XXXX XXXX XXXX and XXXX XXXX my wife were especially vulnerable to Green Tree 's tactics because we were locked into a relationship with the company. So in order to remain in our homes, we, XXXX XXXX XXXX and XXXX XXXX, had to deal with the company abusiveness, threats and harassment for as long as it services our loans, regardless of how they treated us. Even now, our lives are plagued because of their actions of violating our consumer rights. Because of Green Tree 's routing system for handling incoming calls, consumers XXXX XXXX XXXX and XXXX XXXX, were routed to a collector instead of a customer service representative. We were told that our only option is to speak with collectors when we have questions or problems with our accounts. When we, as consumers reached Green Tree 's customer service representatives we were requested to schedule a payment before receiving assistance because we were behind on our mortgage payments. 
We, XXXX XXXX XXXX and XXXX XXXX Green Tree, were having difficulty paying our mortgages because of a devastating event, which accrued ; so we arranged for a short sale of our home but received no assistance from Green Tree and lost prospective buyers. As a mortgage servicer, Green Tree has the delegated authority from the investors who owned our loans to approve our short sale requests but refused and gave no reason why they would n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection agency said that they do not have to follow the laws of the FDCPA due to the XXXX XXXX Employs the collection agency. They also said medical debt is not subject to the Georgia Statue of Limitations on debt Laws. I clearly asked the collection rep to repeat what he said and in fact that on a recorded line he said they DO NOT ABIDE by the FDCPA laws.

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 06/14/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted XXXX who refused giving me assistance about an unauthorized  inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still didn't take care of it and gave me a hard time

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: Regarding CFPB Complaint # XXXX, we received credit turn down letters from Chrysler Capital nearly 90 days after applying for credit. Are n't companies bound to send letters out within 30 days of denial? 

Also, the credit score that Chrysler reported for XXXX XXXX XXXX on XXXX/XXXX/XXXX is XXXX. Every credit monitoring service ( one for each of the three major credit bureaus ) lists the score as XXXX, XXXX and XXXX. 

In the late dated letter to XXXX XXXX XXXX, Chrysler also lists : " Serious delinquency, and public record or collection filed '' when there is none. " Too few accounts currently paid as agreed '' when every single account is paid as agreed and always has been. There are dozens of accounts in total. How could that possible be " too few? '' " Time since derogatory public record or collection is too short '' when it 's been over XXXX years since any such record was listed. " Length of time revolving accounts have been established when revolving accounts date back XXXX years. And, Number of recent inquiries on credit report when there have only been two inquiries in the past year, including the inquiry to Chrysler Financial. 

In the late dated letter to XXXX XXXX, Chrysler also lists : Number of accounts with delinquency when there are zero accounts with delinquency. Proportion of loan balances to loan accounts is too high when each loan balance average under XXXX XXXX of the available credit. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high when each loan balance average under XXXX XXXX of the available credit. And, Length of time revolving accounts have been established when they have been established for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Not understanding the interest on the balance. The amount I have been told is not consistent and I have not seen a decrease. Loans have been deferred and in forbearance sold from XXXX to Navient now to Department of Education. I am now currently enrolled in IBR and public forgivness and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Ally Financial on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a hard Inquiry on my XXXX credit file with out my authorization, I did not get any help from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am thankful to Nationstar for giving me a Permanent Loan Modification under HAMP. But I notice the following deficiencies in the attached Offer : 1. ) The HAMP prescribes a start rate of 2 % for the first 5 Years, whereas Nationstar started with 3 %. If I am eligible for the Modification at 3 %, why am I not eligible at a lower rate of 2 %? 

2. ) Under HAMP there is an incentive of {$5000.00} ( and some of my friends got a XXXX incentive of {$5000.00} again, after 5 years ). However this has not been offered to me. 

3. ) The Property Value is only {$510000.00}. Please see the attached print out from the XXXX Dept. of Finance. So using the XXXX Standard Water Fall Step of HAMP, I should have been given a Principal Forbearance of about $ XXXX, whereas Nationstar increased my Principal Balance to {$720000.00} and charging me interest on the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I sent in my monthly mortgage payment to Ocwen for the month of XX/XX/2016. ( check # XXXX ). I am always a month ahead in payments. ( see attached ) Ocwen cashed that check on XX/XX/2016. I was expecting to receive my next payment coupon from them for XX/XX/2016 but by XX/XX/2016 I had not received it, so I sent Ocwen a email asking why I had not gotten it yet and on XX/XX/2016 I received a email from them that stated ( see attached ) a mortgage account statement is sent either when a payment is received or when a payment is not received by the end of the grace period, whichever is earlier. But as I just stated they DID RECEIVE my payment for the month of XX/XX/2016 ( see attached ) but have failed to send me XX/XX/2016 payment and here it is XX/XX/2016. I decided to give them the benefit of the doubt and and wait to see if they would send me my next payment. On XX/XX/2016 I still have n't received a payment coupon for XX/XX/2016 payment so I sent them another email stating that I am still waiting for it. I have not signed up for paperless billing and I never will. Ocwen suggested in their email to me that I just send in the payment without the payment coupon. I will probably have to end up doing this because of their negligence. I am scared to think of what problems lie ahead because of not having that payment coupon. This is not the first time Ocwen has failed to send a payment for the following month mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Account opening, closing, or management

Complaint: I wanted to update my last name after my divorce and they were requiring a court document to have for their file even though I had already provided this to the social security and the license branch and had proper legal ID for them to update this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to Specialized Loan Servicing in XXXX 2015 and they have neglected to pay my special assessment taxes and now my home is in foreclosure status. I have copious amounts of notes showing my contact regarding this issue since XXXX 2015. 
In addition I have been sent incorrect escrow analyses showing they have paid irrigation taxes and I pay my water bills monthly. They also have incomplete documentation on all my calls. 
They indicate they will take care of the situation but 4 months later it is still on going.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: CitiMortgage has transferred my mortgage servicing but has failed to provide sufficient notice as to what company will be servicing my mortgage. CitiMortgage has also been talking to someone claiming to be me who is not me.

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 05-11-2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX debt collections letters from XXXX XXXX XXXX stating I owe {$2500.00} to XXXX credit. The address they have for me is incorrect, but our mail delivery person knows me and puts it in my mailbox anyway. I do not have a XXXX account, I never have. I have checked my credit reports and they show no debt.There are several hard inquires that I did not authorize or request. After the first letter, I sent a response to the collection company stating I did not authorize or acquire this debt and it was either a mistake or a scam. I would like this company to stop contacting me, and I would like all the hard inquiries on my account from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015 removed for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with CREDIT BUREAU OF NAPA COUNTY, INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Case number : XXXX Related Case Number : XXXX Chase receivables has been notified of the fraudulent activity for which they have a collection. The agent stated that the merchant was notified and that there was no information needed from me as I am not liable for the fraudulent use of my account. 

Chase Receivables has not submitted for removal of adverse and incorrect information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (VT).
Issue: Loan modification,collection,foreclosure

Complaint: I am an attorney writing on behalf of my client, who has a reverse mortgage. He had been receiving regular monthly deposits to his bank account. His homeowner 's insurance lapsed by accident, the company placed forced insurance, he got his private insurance re- instated, and the company placed him on " repayment status '' for the period the forced insurance was in effect. So far, no complaint. 
The company claims this occurred a second time. It did not, but they have been withholding payments to him since XXXX, 2015, and he is now having trouble purchasing necessities such as food and medicine. 
I wrote to the company a month ago ( a copy of the letter will be attached to this complaint ), but the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Synchrony bank has reported that a credit card was late. I 've called the company several times to resolve this issue. Every time I was told no problem the payment has been made. Obviously they did not notated anything as I am still being harrassed.

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