milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: I experienced the same with JP Morgan Chase. Chase requested numerous documents and called the wrong phone number. They messed up my refinancing and it took more that 130 days for them to process my refinancing. " XXXX subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes, '' CFPB Director XXXX XXXX said in a statement. " Consumers were kept in the dark about their options or burdened with excessive paperwork. '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: incorrect addresses listed on credit report. My address is XXXX XXXX XXXX XXXX ny XXXX. And my Job is At the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently got denied credit from XXXX for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I took an unsubsidized loan of XXXX XXXX dollars after my transition from Military service on XX/XX/XXXX. The purpose of this loan was to allow me pursue a XXXX XXXX in management information systems at XXXX XXXX University online. Initially, this loan was with XXXX XXXX who later sold the loan to Navient, a parent company. I am struggling to make payments and have requested on numerous times for Navient to lower the cost to affordable payments. Instead, they have chosen to continually harass me at work with phone calls violating my privacy because I work with prisoners. Now, I fear for my life and have indicated to be contacted via e-mail only and that was ignored. Next, I feel financially exploited by Navient changing my loan from {$10000.00} to {$26.00}, XXXX. As, this was reported to the credit bureau affecting my credit scores negatively. I have made several payments ranging from {$270.00}, {$270.00}, {$22.00}, {$50.00}, dated on XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX respectively. Also, I was told by a representative over the phone to make a final payment of {$270.00} on XX/XX/XXXX and then continue to make {$50.00} monthly. She suggested filing a forbearance which I did, and Navient never acted on it. They have remained adamant and inconsistent in prorating my monthly payments and this is unacceptable. I am tired and sick of being harassed and exploited and hoping that they put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have brought  to Wells Fargo attenti on a fraudulent act that is on my loan. I am the owner of the property and  XXXX   XXXX  was also a named person on the deed. After I filed a compla int, Wells Fargo issue d a new loan number and informed me that nothing had changed from the old loan to the new loan. I have requested proof of all the closing documentation, warranty deed, deed of lot  XXXX  and lot  XXXX  that was used as collateral on Loan number  XXXX . All correspondence from  XXXX   XXXX  regarding my loa n. Wells Fargo is g iving the new loan information to others without my permission. I am concerned because  XXXX   XXXX  said  XXXX   XXXX  is dead. In the event of my untimely death due to corruption with my property the  XXXX  County property tax department shows that my property is in the name of  XXXX   XXXX   XXXX  which  XXXX   XXXX  is aware. I have faxed proof of other clients who says  XXXX  and Company is corrupt but  Wells Fargo b ut I have reason to believe that  XXXX   XXXX  have been speaking with  XXXX  attorney against me. Wells Fargo says the property belong to  XXXX  which is corruption and extortion. This is fraud. Escrow is being attached to my loan with vendors I have not signed or authorized to escrow my loan. If I try and get insurance on my loan I can not because  XXXX  County have the property in someone else 's name and  Wells Fargo  ignores. I am the second position on my property.  XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX .  XXXX   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 11/28/2015 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (PR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent calls from " nco '' to my dedicated home security alarm & video phone line. Their numbers XXXX ( XXXX and XXXX ) are blocked for access, but they still call and try to get pass the code.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: I XXXX 2015 I disputed a charge from XXXX in the amount of {$380.00} because I paid them to repair my fridge, and it was not completed correctly. I called Bank of America on XXXX XXXX, 2015 and filed to dispute and they credited it back to my account on that same day. In XXXX they sent me a copy of the receipt XXXX had sent them stating the charge was valid because I signed. I never said I did n't make the charge - XXXX never made the repair good or honor their warranty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My current lender is PHH mortgage. I am trying to refinance into a lower interest rate and lower monthly payment through XXXX mortgage. I am recently discharged from Chapter 13 bankruptcy. I am attempting to get my statement from PHH but they are refusing, They are telling me that the discharge of bankruptcy from the court is not enough. They claim they need a " termination '' of bankruptcy from the court. When I spoke to the BK department of PHH, they refused to give me the employee numbers. When I attempted to call the New Jersey office, I was transferred to XXXX to speak with XXXX who again would not give me an employee number and then he transferred me back to NJ, twice, where they hung up on me each time. These events all transpired between XXXX and XXXX on XX/XX/2016. I am just trying to get me statement from my current lender in order to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with TimeMark Solutions, Inc (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I contacted XXXX to pay my student loans and was asked why have I not gotten into a student loan forgiveness program, the agent that I was speaking to his name was XXXX. I told XXXX that I did not qualify for a student loan and he asked me a couple questions about my income and told me that I would be a good candidate he told me that to start the application it would be a payment of XXXX and three more payments of XXXX after that. He said that once I was done making then payment as long as my income stayed below XXXX a year that I would qualify to get my loans dismissed. He said that company that I would be going through would be with Timark Solutions witch is an affiliate with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I financed a loan through Santander in the amount of  XXXX . I have made  XXXX  in payments toward my loan, I request a payoff quote and much to my surprise I still owe more on my loan than the amount I financed. i have asked  Santander  to issue credits toward the principle and they refuse to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have tried everything in my power to get on a pay as you earn income driven repayment plan. Yet everytime I talk to a servicer something supposedly will be done and they tell me what steps to make and I follow through on my side. I have filled out dozens of applications, I have done what they have told me yet everytime I call back they tell me to fill out another application and that they only see this and that ... but not the complaints I have made and they requests puts in for pay as you earn.In the meantime my forebearance time is running down and interest keeps buildinging up and capitalizing and yet nothing gets done on their side of the wheel. I need help. I need to be put on the right program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Credit card () with U.S. BANCORP (VA).
Issue: Rewards

Complaint: Credit card company changed terms and conditions of benefits offered immediately after I paid the annual fee. Previous terms allowed for XXXX free night after a minimum of a XXXX night stay, essentially allowing a XXXX for XXXX, or 50 % reduction in points needed on any properties. The new offer only allows for XXXX free night per calendar year on US properties only. This change has devalued the points and I would not of paid another annual fee had I known this would happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with DISCOVER BANK (MN).
Issue: Account opening, closing, or management

Complaint: I was offered a promotion to open a checking account with Discover Bank. I had to meet a requirement to earn this promotion. The details were clear on my account application. I decided to open the account. I set up direct deposit with my employer and this has been ongoing. The requirement to earn the account promotional bonus was to set up direct deposit totaling at least {$500.00} within the first 90 days. Discover Bank received the second direct deposit on XXXX XXXX, 2015 that put me over {$500.00} in total direct deposits. This account was opened on XXXX XXXX, 2015. The details of the promotion/contract that I accepted was that the promotional bonus would be credited to my Discover checking account within 30 days. I continued to monitor the status of this promotion leading up to XXXX/XXXX/15 and had been assured both in writing and verbally that I had met the requirements of the promotion and that my bonus would post on or before XXXX/XXXX/15. The bonus did not post to my account on XXXX/XXXX/15 and I waited a few business days and then called Discover Bank once again, and contacted them in writing. Discover Bank has refused to credit the bonus to my account. I have fulfilled the terms of our agreement and am asking that this bonus be posted to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX an associate of XXXX XXXX XXXX has commenced a series of fraudulent documents to seize my home at XXXX XXXX XXXX XXXX CA XXXX. The last known transaction was created by XXXX. 

The IRS has provided me records confirming that the servicer Wells Fargo Bank N.A . took ledger credits on XXXX which is the day the US Bankruptcy Court discharged the home equity line of credit as unsecured debt - listed on schedule XXXX XXXX also rescinded the World Savings Transaction in XXXX in fear of unrelated party commencing actions such as XXXX XXXX and associates. I also confirmed with Securities Exchange Commission that the XXXX related to XXXX was satisfied with varied sources such as insurance policies. Most recently, Wells Fargo decided to create a new loan number to establish its right along with other debt collector XXXX XXXX to steal my home. 

I would like CFPB to witness the activities of XXXX XXXX first hand as he uses fraudulent documents to take in monies not deserved. So far XXXX XXXX along with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and has stolen XXXX other properties of mine using fraudulent documents - XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX CA XXXX. I have attached recent findings of proof of fraudulent documents used by Wells Fargo Bank N.A . and XXXX XXXX XXXX and XXXX used in obtain a writ of eviction and justify getting a Judge - XXXX in XXXX to deny me due process of amending a complaint on XXXX/XXXX/XXXX. These debt collectors are supported by a XXXX XXXX XXXX who sits on the bench while assisting the debt collectors. If you look at my docket XXXX in XXXX XXXX CA XXXX you will see orders issued to the debt collectors which assist the debt collectors seize my homes - The orders are issued nearly 2 years after I obtained my discharge of XXXX and XXXX calls order -- '' a Lift of Stay '' - no such action approved by Congress XXXX XXXX has kept my case open since XXXX in order to obtain some type of clearance from the state related to the XXXX XXXX. 
' Note the date of XXXX 's Debt Validation Letter and his Notice of Default - The Notice o Default is filed premature of allowing me time to dispute his debt - a debt and new account number created by Wells Fargo in attempt to relate to the World Savings Loan which was satisfied according to IRS records and the XXXX records.

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 07/17/2017 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: Information belongs to someone else

Complaint: All  XXXX  reporting agencies have been contacted numerous times per year, but my ex had enough control over things that no one believed that I was me. Medical accounts with major expenses were opened in my name, cell phone accounts were opened, my credit card and old bank accounts were misused after I had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    by his girlfriend (   XXXX   XXXX   ) of many years, making this impossible for me to fight. The abuse to my credit did n't stop after my attorney was able to put him in  XXXX . She continued until about 6 months ago. Since my credit has been ruined by them and initially spent nearly $  XXXX  to get him out of my life, I have n't been able to recover and fight this.

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 03-12-2016 about Debt collection (Payday loan) with Bliksum, LLC (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I do owe this debt. I have told this debtor to only contact me via mail. They have continued to call me and my father. They are extremely rude and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My name is XXXX XXXX and I co-signed my daughter 's - XXXX XXXX student loan with XXXX. The servicer is AES. The account is XXXX XXXX XXXX. The current balance is about {$24000.00}. After XXXX made perfect payments for 48 months, we requested from AES in XX/XX/2016 that I be removed as a co-signer. As of today, the payments have been automatic and on time for nearly 60 months. We have received conflicting information from AES Customer Reps, submitted the same documents four ( 4 ) times including those with return receipt requested, were lied to by AES that they did not receive the requests for co-signer release ( later saying that they did receive ), were told that decision is up to XXXX, when we called XXXX they say that decision is up to AES. Each Customer Service Rep has a different story about what was sent, what was received, and whose responsibility it is to provide me with a co-signer release. I have not been denied a release. I have been prevented by AES from being considered. The process is not transparent, the Customer Reps each say something different, promises are made which are not kept. At best I suspect AES of being badly managed. At worst, I suspect a fraudulent attempt to keep me from obtaining a co-signer release. Please look at this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. XXXX and Experian are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.

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 10/30/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt with XXXX XXXX was paid via insurance. However, there was an issue with billing or payment processing by XXXX, and XXXX placed the account for collection after it was paid. 
Trans World Systems Inc ( the collection agency ) received the account and reported it on my credit. 

I submitted a dispute via XXXX, XXXX, XXXX XXXX and the debt collection company in XXXX XXXX. 

I was denied credit recently because of the negative report. 

I followed up with XXXX, the validated today XXXX XXXX, XXXX, the account does not exist any longer. 

I called Trans World Systems today, XXXX XXXX around XXXX EST, the rep acknowledged my dispute was on record since XXXX, but they were unable to obtain proof from XXXX, and then said they will not remove it from my credit. 

This is a willful violation of the FCRA. 

Then, the rep attempted to collect on the debt after acknowledging it was in dispute in their systems. 

When I informed her that the debt was paid, she just violated the FDCPA by trying to collect on it, and was violating the FCRA by not updating my credit, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mobiloans, LLC (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX XXXX Unaware of this hard inquiry

Company response to consumer: Untimely response
Consumer complaint received 07-05-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: phoenix financial services is trying to collect a debt for XXXX XXXX XXXX XXXX XXXX which i already paid. Company i paid to : XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, PA XXXX XXXX Additional Info : XXXX Reference # XXXX Amount Paid : {$160.00} Sent phoenix financial services receipt from XXXX XXXX XXXX to info@phoenixfinancialsvcs.com Name : XXXX XXXX ACCT # XXXX ( account # for phoenix financial services ) They said amount i paid {$160.00} did not match owed amount of {$160.00} so they it was not valid. Paid Service fee to XXXX XXXX which was the difference. Also, phoenix financial services would not give me contact info for XXXX XXXX XXXX to clear this up.
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Tired of being harassed and having credit take a hit for something i already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: OUTRAGEOUS! How Equifax gets away with such LAX reporting to the XXXX XXXX + customers who 's private information was breached. Did they report this to a government agency and the American public was never told? A XXXX up perhaps? 

What is the point of free credit reporting? Why do these agencies yield such power over my credit?

Company response to consumer: Closed with explanation