milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Closing on a mortgage

Complaint: I did a loan modification with Chase Bank under the federal HAMP program on XXXX of XXXX, during that time, I had financial hardship and was approved for the loan modification. During the signing of the documents, I noticed a clause of a balloon amount of {$210000.00} at maturity date, I asked the processor about the clause and the answers was, not to worry, that was the accumulation of interest during the life of the loan. During the following years I called the bank to do the same questions about this balloon amount and the answer was always the same, not to worry this is the accumulated interest for the life of the loan. 
Recently I received an offer from Chase Bank to recast the loan, the bank sent documents for me to sign, I noticed the same clause, but now with additional notes, ( attached the recast documents ). In my curiosity, I called the Chase Bank to ask about this clause, but this time they informed that this was an amount that I needed it to pay if I were to sell or pay the property off. 
My Complaint is as follows, I looked to Chase Bank for help under the federal program HAMP to save my property, instead of helping me, they deceit me, with malice and purpose. From day one, their purpose was to defraud and gain from a home owner in hardship. I came in with a debt of {$360000.00} and came out with a debt of {$530000.00} just by signing this contract. Chase Bank did not help me at all, instead they defrauded me as they have done with thousands of customers. 
I plead to the federal government to put these greedy thieves in jail and make them pay for all the suffering and stress they have caused to the honorable people of this great country.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a Consolidated Stafford loan with XXXX XXXX, that was recently switched to Navient as the servicer. The loan has been on an IBR payment plan for several years, but on XX/XX/XXXX I called Navient to inquire about lower monthly payments. I was told that switching to a  graduated payment plan would reduce my monthly payment to around {$40.00}, so I agreed to switch. I was then told in order to switch payment plans they have to apply a 1 month forbearance, so I agreed. 

A few days later I received several emailed letters. One email showed a higher payment amount than I was originally told and another email stated that a reduced interest rate incentive will be removed from my account. On XX/XX/XXXX, I called Navient to inquire on these letters and was told that the once they processed the new payment plan that the payment went up because my loan term was shorter than previously thought. I was also told that the reduce interest rate incentive was removed because of the forbearance, but would be reinstated once the forbearance ended and I was placed on the new payment plan. 

After 2 payments on the new payment plan I noticed that the interest rate was still not reduced, so on XX/XX/XXXX I called Navient a third time. This time I was told that the interest rate reduction incentive can not be reinstated because it was a 'voluntary forbearance ' not an 'administrative forbearance '. 

Again, I never wanted the forbearance, but was told I had to do the forbearance in order to switch payment plans, I was given no other option other than the forbearance, and I was never told I would lose the interest rate reduction. Had I been told any of that, or that the actual payment would be twice as much, I would not have switched the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I have a judgement against me by XXXX XXXX XXXX XXXX XXXX. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to Chase Manhattan Bank. 
My story : I was married to a very XXXX man. XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied out of fear. The Chase Manhattan Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that XXXX was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at XXXX and explained that I was in an abusive marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX was agreed upon by both parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed due to XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving XXXX and XXXX. I told him to look at my history to see that I have never missed a payment in XXXX years but was really going downhill financially and needed a respite until I could get back on my feet. XXXX sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (CO).
Issue: Account opening, closing, or management

Complaint: Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015 I applied for and was granted a modification of my Mortgage with my lender Nation Star Mortgage. XX/XX/2015 I started my 3 trail Payments of {$880.00} for the three months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all of which were paid ahead of the scheduled time for the payments to be made. On XXXX XXXX 2015 ( I believe to be the accurate date ) I received notification that all of the trail payments were successfully applied and that my new modification payments of {$820.00} would start on the XX/XX/XXXX, I then made XX/XX/XXXX payment in advance and sent it in by XXXX XXXX to be applied for XX/XX/XXXX 's payment. However on XXXX XXXX I received notice that XX/XX/XXXX 's payment had not been made I immediately contacted Nation Stars customer service center to find out why they had not processed my XX/XX/XXXX payment. The response I got back was that we did not successfully complete the trail payment program to which I promptly stated that this was not accurate and produced the documentation to prove it. Nation star then informed me that they would begin an investigation and would contact me within 5 -10 business days with their findings, which they never return my repeated calls to them after the time limit for them to respond had expired. At that point I began to put the Mortgage Payments into escrow and informed them that I needed to know whether or not to send the payments to which they responded no because they would be placed in a hold until they completed their investigation. On XXXX XXXX I contacted Nation Star Mortgage again and inquired of them as to when there investigation would be done the receptionist on the line stated to me that there had not been and investigation initiated to which I responded that it should have begun XX/XX/XXXX and she stated again that there was no such investigation initiated. I the asked her to find out what happen and she said that after looking at the notes on her screen that there appears to be and inquiry of when you called and asked for the investigation by nothing was ever put in, to which she then stated that she would put the paperwork in. On XXXX XXXX I received an act XXXX stating that Nation Star Mortgage was initiating fore closer proceeding against me. I then went to see the people at American credit counseling agency and they informed me to file this compliant with you. I am hopeful that you can offer some assistance I currently still have in escrow three payments of {$820.00} totaling {$2400.00} and will continue to place my mortgage payments into this escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Payday loan debt) with LendingPoint Holdings LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX   XXXX  and her husband have been dealing with some serious medical issues and money problems.  XXXX   XXXX  took out a loan with the company  Lending Point.    She was payin g Lending Point b ack monthly starting in  XXXX .   Their money crisis increased and  XXXX  and  XXXX   XXXX  sent any creditor a written letter stating they are going through a tough financial situation.    XXXX   XXXX  took the loan out I believe in late  XXXX .    XXXX  and  XXXX   XXXX  have been harassed almost daily and hired myself,  XXXX   XXXX  as their attorney in this matter.   I contacte d one e mployee named  XXXX  who hung up on me twice without any explanation except that she does n't know the law and would n't discuss the case with me.   Her supervisor hung up on me too and accused me fo swearing at  XXXX . I have never swore at an employee.   I have included the many pestering emails,  XXXX   XXXX  as received. She also has been called incessantly from  Lending Point o n  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX , and  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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
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: On XXXX XXXX, 2017 I wrote TransUnion that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent TransUnion 60 pages of evidence to support my claim. TransUnion has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.

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 08-11-2016 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Settlement process and costs

Complaint: I recently applied to increase my credit line for my home equity loan with Regions Bank. I called and talked to XXXX XXXX XXXX XXXX at Regions. She quoted me a rate of 2.99 % for the 1st year due to relationship rewards and a 3.5 % rate after the first year but on a variable rate. This was much better than my current 5 % so I asked her to start the process. I wanted to increase my credit line to build a covered deck. Once the appraisal and the paperwork were ready I went in to sign the papers. I saw the 6.75 % on the papers but XXXX XXXX assured me that the rate was just calculated differently and that I was getting a better rate .... the rate I was promised. I told her I just wanted to make sure I was n't going backwards and she again assured me that I was getting a better rate. I trusted what she told me and I signed. About 10 days later I got a statement. The first thing that caught my attention was that the finance charge was around {$15.00} higher than the month before. I had drawn nothing off the account. I again looked at the rate and it said 6.750 and pulled out the statement for the previous month and it said 5.000 as the annual percentage rate. I went to see XXXX the next day. She promised me that she would do everything she could to correct this. A few days later she told me that the bank had agreed to give the the 2.99 as promised for the first year but I was stuck with the 6.75 % rate as I had signed the papers. I signed the papers under the understanding that I was getting the lower rate. I feel that I should be able to revert back to the original loan with the original credit limit as it has been less than 30 days. She told me that I was only given 3 days to back out of the loan. I had not received a statement at that point so I did n't realize there was a problem yet. I just want to revert back to my original loan as I was given incorrect information during the signing of the loan papers.

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 non-monetary relief
Consumer complaint received 06/14/2016 about Virtual currency (Domestic (US) money transfer) with Coinbase, Inc. (IA).
Issue: Other service issues

Complaint: Coinbase rep, XXXX has been being an XXXX to me. They require a photo id when adding cards to their system. He seems to think that their policy trumps federal government guidlines. I was unable to do so because their system was not allowing it, whatever I tried. He has the last XXXX of my ssn in his system. I am unable to do much without a good working phone. Explaining that to him, was just like explaining that to a brick wall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with TD BANK US HOLDING COMPANY (VA).
Issue: Delinquent account

Complaint: I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n't take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n't working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I 'm XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I 've committed a felony and I would like Target to resolve this ; I do n't owe them anything and they did n't have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I used Transunion to receive a free credit report. At no point was there any indication that I would be charged and I obviously gave them my credit card information in good faith since they needed it for my credit report. I have not received any receipts, emails or further information but finally noticed a charge on my credit card. Apparently they have been billing me {$19.00} per month since 7 days after I got my report. There is no way to cancel the subscription online. They provided no services for that money. They gave me no receipts. Now that I have called, they have allegedly canceled my account. Still, I am out {$100.00} now. I have attached the receipts I just obtained off the website as well as the bottom of my Credit report ( the top is omitted ) which clearly states that I should be charged no more than {$8.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015 I contacted Wells Fargo to inquire about a loan modification as I was recently divorced and nervous about being able to remain current. After explaining my situation to the representative at Wells Fargo I was told that I qualified for a Forbearance program, which you need to do before you can qualify for a loan modification. I was sent a contract with my " modified '' mortgage payment and in the contract it states that Wells Fargo will report that I am paying a modified payment. No place in the contract does it say that they will report you paying late during the process.I paid the amount due as stated in the contract. 6 months later I go to refinance my loan to get my denied due to " late '' payments being reported on my credit. I have contacted multiple people at Wells Fargo and no one is willing to assist me clear this up. Wells Fargo is known for unfair and shady business practices and this is just one more added to their list. I would like for the lates that are being recorded to be removed as I never paid my mortgage payment late. I paid according to the agreement.

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 08-12-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This balance was paid on XX/XX/XXXX, over a moth later I disputed this account with all credit bureaus and company reported to XXXX the account in question was accurate when it was n't, it 's paid and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with DISCOVER BANK (GA).
Issue: Other fee

Complaint: My Discover credit card account was charged {$1.00} for XXXX XXXX insurance that I did not ask for. I called Discover to have them remove the charge but they said they could n't since it was a third party vendor. The vendor would have to remove the charge. I then just told them I wanted to dispute the charge and again they said they could n't do that. They said I would have to contact the company during their business hours to take care of it. I did n't ask for it to start with. Why am I having to spend time I will never get back trying to deal with this?

Company response to consumer: Closed with monetary relief