milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MO).
Issue: Taking out the loan or lease

Complaint: When I was XXXX year old I wanted to purchase a car. I knew that I was n't going to able to purchase without a co-signer. So, I asked my parents to co-sign but they told me that they could n't co-sign because I was n't financial stable, my credit was not established and I did n't hold a job for more than XXXX weeks at a time. Prior to purchasing the car I had over XXXX jobs between ( XXXX through XXXX of XXXX ). Eventhough, I knew there would be no way somebody would loan me any money to purchase a new vehicle, I still decided to explore on my own one weekend in XXXX XXXX. I ended up at XXXX XXXX XXXX XXXX in XXXX, MO. Where I was greeted by a salesman named XXXX. I test drove a XXXX XXXX XXXX charger and was told that I would n't have no problems getting approved. Well, I was astonished that I actually got Approved to purchase the car. The car loan was for {$25000.00} for 7 years. I traded-in my XXXX XXXX ( my parents ) for {$1000.00}. Prior to getting the news that I was approved I told the loan officer my income/credit situation. Which was this : The year prior ( XXXX ) of purchasing the vehicle I only made {$5600.00}. I bounced around from job to job. No stability whatsoever. XXXX, the year I was approved for the loan my income for the year was only {$10000.00}. But I purchased the car in XXXX of XXXX which was only the first 6 months of that year of making {$10000.00}. I had only been on my job for XXXX weeks. My credit was n't too terribly bad but none the less, my income alone should of raised a RED FLAG!! I had XXXX loan out for XXXX which my parents co-signed to try to establish some credit. That loan was through XXXX. The payments were {$120.00} a month for 18 months. My car payment is {$450.00} for 7 years. With an income of only XXXX the year before and I already had an an installment loan out for {$120.00}. I was baffled as to how I was Approved for this car loan. My life since having this car has been, to say the least, so Stressful trying to keep up with these payments. Which I have n't ... .the car has been reposed once and as of now looking to be reposed again. My parents have helped me out making my car payments numerous times and they will not continue to do so. Because of the economic conditions of the job market, I as still struggling to finding fulltime work with my experience. I am now XXXX year old and my credit has bombed. I should of never been approved for this amount of loan with this high payment with my credit, financial situation back in XXXX. I am so depressed because of this situation and need you to reevaluate my situation and make this right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 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: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CO).
Issue: Credit decision / Underwriting

Complaint: On XX/XX/2016, we accepted an offer from CitiMortgage to refinance the adjustable-rate mortgage we had with them, paying an application fee and locking in a 15-year, fixed-rate of 2.875 %. From the outset, we emphasized that the bulk of our living expenses are funded by automatic monthly withdrawals from our retirement accounts ( IRA, SEP-IRA and a tax-deferred employee savings plan ), in addition to our investment portfolio. 

After five months and countless hours of complying with Citi 's requirements for documentation -- often being asked for the same documents two or three times over -- we have been informed that our application has been denied due to " Insufficient income for mortgage obligations. '' This is despite our repeated documentation of over ample funds in our retirement accounts and steady monthly withdrawals. 

Citi 's underwriting department required : " If income is from retirement assets provide 2 months current, complete and consecutive bank statements to verify sufficient assets for income to continue for 3 years. '' Accordingly, we provided copies of our XXXX statements reflecting our retirement accounts and our bank statements -- several times. At no time did Citi ask for additional information about any of our retirement accounts, even though we offered. In the last communication from the loan processor, she stated that they had enough information to submit the package to underwriting. 

Our cash flow is more than ample to meet our mortgage obligations and living expenses. Citi has known this from the beginning, but continued to string us along and repeatedly asked for the same documents until finally after -- five months -- they declared that our income was insufficient. It is now clear that Citi simply did n't want to refinance the loan in the face of rising interest rates, and continued to mislead and deceive us. We have retained all correspondence and documentation. 

Refinance Loan # XXXX Original Loan # 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 monetary relief
Consumer complaint received 01/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Thanks for your response and update regarding Select Portfolio Servicing ( SPS ), my servicing company. I really tried to modify this loan but SPS is difficult in assisting me. They promised to help me with a modification but they have not kept their word. The fact of the matter is I loss my job through no fault of mine. I have XXXX XXXX and I am XXXX years old. I have been experiencing more challenges to find a decent paying job versus when I was younger with less qualification. I even contacted my Congress Woman and she has been diligent in seeking assistance! 
I have always taken my responsibilities seriously especially my mortgage to name one. The reason I am behind these payments is because I loss my job on XXXX occasions. SPS accepted my unemployment and said they will work to modify my loan when I found a job, they did not indicate the pay range that will be contingent on my modification. They denied last year due to the debt to income ratio but it they modify to make the payment affordable the ratio will adjust. It was about making home affordable last year. I have been working as of last year and making my mortgage payments but they instantly came to me to cure the loan of approx. {$11000.00} plus, granted I am scheduling mortgage payment as much as 3 in advance. 
Regarding the modification I sent the corrections they requested per your letter and as of now they have all documentations per their requests. The last request was a clarification if I am going to submit taxes for XX/XX/XXXX. Why will I evade my taxes when I have been consistent!! I sent XX/XX/XXXX and XX/XX/XXXX taxes since last month. I called to affirm their clarification. According to them as of XX/XX/XXXX they have all the requirements. They are threatening to take legal action as of XX/XX/XXXX if I do not cure the default amount. I have not received the letter yet but the rep. read that to me Please help me, I do n't want to lose my home!! There has to be light at the end of the tunnel!! 
Thanks! 
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 04-04-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, RMS Reverse Mortgage Solutions, ( Mortager ) after claiming non-receipt of a {$38.00} fee due them by me, XXXX XXXX, ( Borrower ) put my loann into default and started foreclosure proceedings and charged fees totaling up to approximately {$900.00} in administration and appraisal services. The {$38.00} had been received by their office as verified when Borrower called. During conversation representative stated that it was not clear or apparent why foreclosure proceedings had commenced, but records would be corrected. 
My loan is marked in default again in XX/XX/XXXX on RMS records. I was not given a reason as to why. 
Each year since the origination of loan, XX/XX/XXXX, RMS sends a tax letter regarding my mortgage account in XX/XX/XXXX or XX/XX/XXXX, instructing that my property tax payments late and to please pay. The property taxes for the mortgaged home are due in XXXX County, Indiana, each XXXX XXXX and XXXX XXXX, and have not been paid late any tax year. However RMS uses their own tax schedule to regard them as late before the property taxes for the property taxes are actually legally due in my county.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: I had made a deposit into my account with Jp Morgan Chase Bank and a third party that had my account number and routing number went into my account without my permission and withdrew money. Not only did they withdraw money but it was for more than what I had between both savings and checking. The morning I get an email from the bank letting me know that my acct was withdrawn I called my bank and to find out why and they said that there had been XXXX separate attempts to withdraw money from my acct from this party and that XXXX had been approved even though it was fro more money than I had in acct and was then charged for XXXX insufficient fund fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX ( hereinafter " XXXX '' ) stated that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( open " XXXX Attachment '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX, which was recorded in the EXECUTIVE BRANCH OFFICE OF THE FEDERAL STATE OF HAWAI'I 'S BUREAU OF CONVEYANCES as Document Number XXXX. ( open " XXXX Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its loan to COUNTRYWIDE HOME LOANS, INC. ( hereinafter " CWHL '' ). ( open " XXXX and XXXX Attachments '' ). BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ) hired XXXX, HI, XXXX, XXXX, to fabricate two " ASSIGNMENT OF MORTGAGES '', dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, from BANA to BANA. ( open " XXXX and XXXX Attachments '' ). CWHL ships a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX, with a Notice Date of XXXX XXXX, XXXX, stating that the Loan was transferred from XXXX ( hereinafter " XXXX '' ) to BOFA MERRILL LYNCH ASSET HOLDINGS, INC., on XXXX XXXX, XXXX. ( open " XXXX and XXXX Attachments '' ). BANA fabricates another Notice by now claiming to be the Creditor on behalf of BOFA MERRILL LYNCH ASSET HOLDINGS, INC., with a Notice Date of XXXX XXXX, XXXX ( open " XXXX Attachment '' ), without shipping a new and updated " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX Attorney FULFILLING THE LAW CENTER ( hereinafter " XXXX '' ), between the dates of XXXX XXXX, XXXX until today dated XXXX XXXX, XXXX. This reveals and uncovers that the left hand does not know what the right hand is doing. BANA assigns an " ASSIGNMENT OF MORTGAGE '' to itself, and then places itself in another " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' from FANNIE MAE to BOFA MERRILL LYNCH ASSET HOLDINGS, INC.

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 04/20/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a 90 day late on a Federal Student Loan. There were XXXX loans corresponding to the number of semesters I was in school. I have since consolidated the loans into XXXX note, but the loan servicer at the time was Direct Loans which is no longer in business. The National Student Loan Data Center nor XXXX XXXX ( the current servicer ) have any information about me ever having a late payment. I have always paid my loans on time with the exception of the grace period and a forbearance. This information on my credit report is inaccurate and can not be verified. According to the Fair Credit Reporting Act, it should not be there. I disputed this a couple of years ago, and Equifax and XXXX ruled on the lenders behalf. Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I have been a loyal Chase customer, and have always paid my bill. I had some issues arise when I left on vacation. I was informed by a telephone representative that my card would be paid automatically through ACH, while I was away. Unfortunately for me this was not the case and was 60 days late when I returned home. This impacted my credit report as you can imagine. I reached out to the appropriate parties and nothing could be done, other than some type of payment plan as my card was no longer active. Seeing that I had no other option and did not want further impact to my credit report I agreed to the payment plan. I also asked to have this issue resolved with the credit bureaus. I was told that even though I was miss informed nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with DISCOVER BANK (NY).
Issue: Credit card protection / Debt protection

Complaint: Discover Credit Card : My credit line was declined. 
My automatic payment was removed. 
I was charged a late fee. 
The bank will not return the late fee. {$25.00}, this is the fist time I would be late. I am not sure why they will not return the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (I do not know) with Security Credit Services, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX-XXXX-17 I faxed a cease and desist letter to security credit services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against security credit services. I requested that ability security credit services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from security credit services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with DISCOVER BANK (NC).
Issue: Customer service / Customer relations

Complaint: In XXXX 2016 I was considering a new cash back credit card and called Discover to inquire about a new card with cash back features. I was told that an old account existed with discover and it could be converted to the new IT card with a {$100.00} bonus and cash back. 
I accepted the offer and a card was issued. When the bonus requirements were met I waited for awhile and the bonus never showed up on my account. Today I called Discover and spoke to XXXX and then supervisor XXXX XXXX. XXXX stated that no notation was made on the account when it was converted for the bonus, then XXXX stated that no offers existed during the time frame of the account being opened. I asked for a written response to my inquiry, XXXX XXXX stated the Legal would not like that and she was unable to provide anything in writing. I requested the address for the Legal Department, she declined to provide that address. 

As a bonus was offered to me when the card when I accepted a new card to be issued by Discover and the bonus requirements were met I should get the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Here is an idea. Let me know what you think I, XXXX XXXX, feel that I am an aggrieved party in this action. Navient has committed multiple acts against me that I believe have injured me and my student loan situation. I am one of the many Navient clients that has been steered into forbearance to my detriment. I believe I was not given sufficient information by Navient to properly decide if this action was in my best interests. This forbearance has added a substantial amount of interest to my loan, therefore ultimately extending the time required to pay off my loan. This process took place between XXXX and increased my loan interest by {$8000.00}. I am paying this increased interest on top of interest to this present day. 

I also believe that Navient purposely misled and deceived me by providing me with unclear information concerning the Income Based-repayment plan that they wanted me to sign up for. The information provided was not clear as to the important dates and deadlines that needed to be followed in order to qualify for this specific plan. I was also denied the relevant information as to the specific dates for program renewal and the length of time it would take for Navient to process my application. The application processing timeframes were necessary for me to have, as Navient knew and failed to disclose that while my approval was pending I would potentially lose the opportunity for the extended repayment plan. Furthermore, because of the waiting period to be approved, my loan payment would increase dramatically between 3x-4x per month. It was at this point where my loan would become due, that Navient steered me into forbearance, adding even more interest unto my loan. Navient knew the process, the timeframes and the consequences, but failed to disclose any of this to me in order to allow me to make an informed decision. 

The representative that serviced me attempted to steer me into forbearance a second time. During the time I was applying for the extended repayment plan, she mentioned that I could not apply for another plan until my income-based repayment plan had ended. Only at that point could I be approved for another plan and that I should wait a month after my plan had ended, enter into forbearance until the beginning of the next calendar year, and then begin that program. I would again continue to pay interest while waiting to get into another program. I was given no information or counsel that said I had any other options. I asked for and did not receive anything in writing concerning my options. She stated that forbearance was the only way to bridge the gap from one program to another. If I had options, I was not made aware of them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union deleted and then reinserted the inquiries without notifying me. Inquiries fell aoff and I never received the 5 days notice..

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 10/15/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I tried to open a checking XXXX Classic checking XXXX account in santanderbank via online. Provided all the required information plus initial amount of {$250.00} to open the account. Also uploaded Driver 's license, other bank statement, utility Bills ( internet and electricity Bills ) scanned versions. But after few hours come to know that they have declined the application with some weird reason that " We regret we can not open your account and/or add your name as an owner/signer to an account with Santander Bank, N.A. 

We were unable to verify your identity or other personal information at this time. Please visit a Branch to complete your application. '' What??? 
I was suppose to get {$150.00} in 90 days as a new account opening bonus after satisfying few conditions. Why they could n't open the account - it 's a big surprise to me. 

Later I sent them inquiry regarding this which they were suppose to respond back within 24 hours which i have n't heard of till now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never opened a XXXX XXXX, they say they can not find me and they sold the account to XXXX XXXX -- XXXX XXXX sent me a letter stating they have no information and are closing the account. I have disputed with all XXXX credit bureaus no less than 12 times and can not get removed from my credit report. I have sent a certified letter to XXXX requesting all information pertaining to this account beginning in XXXX 2007 to present, original application with signature, all statements, chargeoffs, authorized user, terms and conditions, collection letters, etc see attached. I have requested them to validate all of the information and they have not been able to validate the account. They have 30 days to do this then they have to delete this information from my credit report. 
They say on my credit report they can not find me, and XXXX states there is no information as well. This has severly lowered my credit score and needs to be deleted and blocked. I have sent them a second letter as well yesterday certified mail also, attached. Thank you.

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 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Systematic National Collection, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This was settled in mediation court with a loss to both parties. The collection company continues to collect a debt that is false.

Company response to consumer: Closed