milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I had lost my source of income approximately a year ago due to unforeseen circumstances. I made one last mortgage payment and started working XXXX jobs not too long after this happened. With the XXXX jobs combined my income was not enough to pay for the home and the regular bills. Approximately 2 to 3 months ago I was receiving income comparable to before. I started working with the bank to try and receive assistance but as time went on the amount owed kept growing and it came to a point to where they wanted me to pay three times the amount of my mortgage payment. Realistically it 's not possible because that will take away majority of my income for the month. I am currently trying to work with them again to help me out with some different options but the person who is assigned to my case for whatever reason is not ever available. Now they 're requesting for me to fill out another packet which will delay this process longer and will increase the amount that I owe instead of having me starting to make payments which I can afford. I explained that I could afford two times the amount of my regular mortgage payment and enough income to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After review my Equifax report, I decided to write XXXX XXXX to get a debt validation. My original letter was sent to this organization on XX/XX/XXXX by  certified mail. I received a verification of receipt on XX/XX/XXXX ( see attachment ). However, I never received any response regarding my debt validation. The company never contacted Equifax and placed a notice of dispute on my account within 30 days of my dispute from their receipt on XX/XX/XXXX. This is in violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

The listed trade line of XXXX XXXX is also in willful noncompliance as of FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies as well. Since I have evidence of such violation per attached certified mail receipt, I request that this tradeline be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: On XX/XX/2018 I made a payment to U.S. bank in person in XXXX, Washington for XXXX. They have been having problems processing payments because they have a credit card number that is different than the statement dual credit card numbers. I called U.S. bank on XX/XX/2018 at XXXX. The credit card had my wife and I listed and they stated I was a employee and not authorized to speak to them. I demanded to talk to the supervisor and escalated to the manager. The manager refused to turn this over to a officer of U.S. bank stated " Need it in writing ''. I asked to speak to their lawyers she refused to cooperate. U.S. bank did not post the XXXX payment on XX/XX/2018 and did not mail the bill or have a online statement to print out. U.S. Bank states their logo " all of us serving you '' looks like a false statement.. I am going to have to ask for a fraud investigation into this incident for the following reasons : 1 ). Failed to post XXXX payment on XX/XX/2018 FCRA violation XXXX fine 2 ). Failed to mail out a bill or make available a online statement to print out fdcpa violation XXXX fine 3 ). Civil action possible under arbitration for personal damages to be determined.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information on Equifax was hacked because they did n't do a good job to protect it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am putting in a complaint because I am trying to upload my ID and utility bill to the experian upload website to have my extended fraud alert removed from my credit profile and it is not letting me upload my documents, it is telling me to mail in the form. I have added a security freeze on my report already and want the alert to be removed as it is becoming a problems in getting financing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, Our mortgage is in good standing and was recently transferred to a new provider. 
We requested specific information regarding our accounts PMI. We wanted to know what our monthly cost is and if it could be eliminated from our account due to our good standing and additional principle. In the event our account did not the correct debt ratio, We wanted to know how much additional principle would be required to eliminate PMI. We called to make this request and was told to contact the organization through their website. 
We contacted several times through the website, received a tracking number and an automated message stating we would hear back in 5 business days. this has been ongoing for 2 months.

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 03/27/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Bank of America issued a Debt Forgiveness letter in XX/XX/XXXX.  It was effective XX/XX/XXXX.  However, they refuse to show a zero balance and we are unable to achieve there cooperation.  They claim they are "processing".  Well, the letter said nothing about processing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (ID).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This was at a managed rental property where I was being harassed by a neighbor because of my XXXX. After several calls to the local police the property management told both of us that if one leaves they would not hold us to the remainder of the lease. Being the newer tenant I took that offer but did not ask for it in writing, trusting their verbal agreement. Several months after finding a better place they claimed through a collection agency that I owed them for the remaining months I did not live there and several weeks before even moving out posted an eviction notice at my door from the local Sheriff 's office despite never having a notice to appear at court. I discarded it because I was planning on moving out any way. I contacted the collections, dba " Hunter Warfield Inc. '' that referred me to management dba " XXXX XXXX XXXX " that just referred back to collections. I even noticed reviews on apartmentratings.com that this was a common practice by this property management.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from transition When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called XXXX who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Transunion and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a 0 balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (VA).
Issue: Trouble during payment process

Complaint: My mortgage loan is currently serviced by Shellpoint Mortgage Servicing. Per the attached documentation issued by Shellpoint, the terms of the mortgage loan are as follows : 1. Original loan   amount of {$59000.00}.    2.  180 month term that matures on  XXXX .    3.  No balloon payment due upon maturity.    4. I nterest rate of 7.9 % and P & I payments of {$560.00} per month.     Shellpoint is currently claiming that the principal balance due is {$12000.00} and the total balance due is {$20000.00}. These amounts conveyed by Shellpoint do not add up and I have contested them on numerous occasions. Shellpoint has refused to prove up the validity of the debt and the accounting to back it up.they have simply told me it is what it is. Based on my current amortization calculations, the current balance due should be {$6300.00}. Shellpoint is clearly trying to over collect on the balance due, which is a violation of FDCPA and RESPA law. I feel cheated and deceived by Shellpoint and I am seeking your assistance on this matter. You can reach me direct at  XXXX  or  XXXX  XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.

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 10/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: World Finance called me about four times in less than five minutes on or about XXXX XXXX, 2015 around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been in conflict with Ditech/Greentree since they first took over my mortgage servicing. Their staff can never explain what the issue is with my account. Only that they 've put a " research '' on it. Nothing has ever come from their " research ''. In Ditech 's XX/XX/XXXX letter which references attachments that were not attached, they state that my payments fell behind due to an escrow shortage. However, my XX/XX/XXXX escrow statement ( attached ) had {$3800.00} in surplus that was sent back to me. In addition, my XX/XX/XXXX escrow also had a surplus ( even though they continue to state my payments were short ). Ditech states they sent me a check, with no amount listed, which was NEVER SENT TO ME! DiTech continues to make false statements. Where 's my check? Now, I receive my XX/XX/XXXX statement with more late fees and non-posting of my XX/XX/XXXX payment which they received on XX/XX/XXXX. This bank is a fraud!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with NRA Group, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 09-01-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to Refinance with HARP since XX/XX/XXXX. Nationstar mortgage Loan Specialists said I was one payment late in XXXX XXXX. On XXXX XXXX, XXXX, made XXXX payment and on XXXX XXXX, XXXX made the XXXX payment. The late payment in XXXX made me not be eligible at that time, since It has not been within a year. She advised me to call again and to try again in XXXX or XXXX when the 1 year is up and eligible with XXXX late payment guidelines from HARP. On XXXX XXXX, XXXX, I called Nationstar to refinance with HARP, now their saying I 'm not eligible because I did not caught up on my late payment till XXXX XXXX, XXXX I made XXXX payments. That I have to try again in XXXX. Also, I received a letter saying that I have late fees on my account for {$580.00}. I have been paying my mortgage on time or at times with late charges of {$9.00} Nationstar late fee charges, after 7 days if payments are not made on the XXXX of the month. I do n't see an explanation on my transactions not even in my monthly billing statements in regards to {$580.00} late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was harrased at my place of employment by this company and after asking them to remove the number they continued to contact me. They spoke to my co-workers about my information without any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX  of  2017, I was trying to refinance my house. Currently, my student loans through  XXXX  are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my credit score and it is affecting me not being able to refinance. The way navient is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told ), it is making it look like I am way behind on payments. I do call   XXXX   in  XXXX  2017 and they said that is how it gets reported and there is nothing they can do. They have  also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit 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 10-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Hello, I 'm disputing the {$89.00} I was charged on my Chase Debit card on XXXX XXXX 2017 for a transaction with the XXXX XXXX program. I selected a weekly pass ( {$29.00} ) on the machine, but was charged and given the monthly 30 day unlimited trips pass for {$89.00}.

I immediately stopped one of the XXXX  helpers at XXXX XXXX XXXX and she told me there was nothing she could do and I should contact the customer service for XXXX. Further, she informed me I was likely out of luck because XXXX does not do refunds under any circumstances because it is not in their policy.

I exchanged e-mails with customer service on the same day, please see below : Good Morning, Thank you for contacting XXXX XXXX My name is XXXX and I am more than happy to assist you today.

In order to investigate your issue, we will need the 20-digit serial number on the back of your XXXX  Card starting with XXXX.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) - - - Good afternoon XXXX XXXX Im not sure if you received my previous e-mail, my cell phone service is not working lately. Anyway below please find the XXXX Card number you were asking for.

S/N : XXXX XXXX XXXX XXXX XXXX Please advise when the refund is processed and how long it typically takes, Thank you again for responding back so urgently and understanding my unfortunate situation Best, XXXX XXXX -- - Good Afternoon, Thank you for contacting XXXX XXXX. My name is XXXX and I am more than happy to assist you today.

Unfortunately all we can do is convert the 30 day pass to the equal amount of trips. Is this something you would like to do?

Unfortunately, there is a No Refund Policy for unused trips/passes or for XXXX Cards as per our Terms & Conditions. You can read them on our website, XXXX One of the benefits of the XXXX Card is that neither the trips nor the card expire as long as your card is kept in good working condition.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) --  I was left with absolutely no options but to convert this unlimited monthly pass that I did not select to individual 30 trips. She tried to convince me to go through with it and asked me when I 'd be at the XXXX  next. However, I never deactivated the card or converted my trips. I am extremely disappointed with the services of the XXXX XXXX customer service. Corporations can not include " no refunds at all '' and have customers live with it. I dispute this {$89.00} charge and want a complete refund.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Struggling to pay mortgage

Complaint: I filed bankruptcy. Bankruptcy was paid in full 6 months ago. Now my mortgage company says it did not cover the deficit. I do not know how. They well fargo got XXXX From a lawsuit from the bankruptcy. Now they are putting me on a payment plan. Which raises me up to a full 30 years. They are raising my intrest rate. Not offering me the tha plans that are out there. Loan number XXXX. What can I do or get done about this. They have already don illegal stuff as is. I am now getting somewhat reimbursed from a class action lawsuit.

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 04-02-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (SC).
Issue: Struggling to pay mortgage

Complaint: Recently XX/XX/2018 shellpoint foreclosed on my home. I paid the account including past due fees. I paid it current to bring it from foreclosure, I had to pay the attorney fees, appraisal fees, etc. Shellpoint sent me a letter stating I owe Attorney fees and my account is still past due. I believe they are scamming me out of my money. I have requested the appraisal report, they refused to send it ... I'm not even convinced that they completed an appraisal of the property because if they did they did realize that the property ( home ) is burned to the ground. I want to know how was my money applied to the Account if everything is still past due and I still owe all those fees. Please investigate this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation