milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I consolidated my loans, they put loans in there that I did not want consolidated. They are very deceitful, dishonest and convince you to forbear because the monthly payments are so high that it is not possible to be a single, working, educated woman starting your career. It is completely disgraceful and not only is it hurting the United States Economy, by not allowing the millennials to be able to buy a house, but to continue to be indebted forever to loans. It is nearly impossible to be able to survive with student loan debt. It is stressful to have to owe {$250000.00} + and know that you are going to have to be paying for the rest of your life and then having a company be deceitful, raise interest rates, make it seem like consolidating or forbearing is a good idea. They take advantage of the American consumer who is not nearly as educated and knowledgeable about student loans. 
Furthermore, I recently had an issue where my father sent payments in to the loans that he is a co-signer on and they stated that they did not receive one of the payments, which was sent out the same day as the other one. Then they tried to blame it on the holiday, which was two weeks prior. I lived in XXXX and know how long it takes for a payment to get from XXXX to the XXXX ( XXXX ). Also, they called me every day multiple times and said it was going to affect my credit. I had to explain the runaround to every person and when some lady with half a brain finally found out what happened to the payment, it was misapplied. Misapplied? How many times have my payments gone into space or been misapplied? Makes you wonder who we are sending hundreds of thousands of dollars to. They are crooks and should be shut down by the United States government. My loans for XXXX were probably around {$25000.00} and my parents have already paid in access of this. They have requested multiple times for a payment book, a paper trail so we can verify what is getting paid every month and they refuse. There have been numerous times where payments have been applied to wrong accounts or went missing. I am a hard-working, newly-admitted attorney who should be able to save for my future and buy a house, but I am inundated by student loans with astronomical interest rates and continue to get XXXX by this provider.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Credit card) with ERC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to Enhanced Recovery Company , LLC, XXXX. XXXX XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The first payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, ERC called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The loss mitigation process has once again been denied for another reason of which has to do with HAMP notification denial because I failed the NPV calculator. Is the investor of my mortgage in a better profit position by approving me for modification or would they have a higher profit margin by allowing the property to foreclose. The Forbearance and the Repayment denials are not explained thoroughly to understand the reason that has not been written or sent. It should be taken under consideration that my income for my home is more than sufficient. I have XXXX ( XXXX XXXX XXXX ) and my husband is a XXXX veteran. Our only interest is to keep our home. The denials change to a different perspective that do not help to save my home. We need assistance as to what we can do for our good cause to keep our home. All the income for my home is based on a fixed income that approximately excedes {$6000.00}. I would really appreciate all the help I can get with the bank and I 'll need further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: After the death of my brother, his bank CD account, list my name as the beneficiary ( In Trust For ). I went to the bank, with the original form and a current notice " CD Maturity and Automatic Renewal Notice " where my name is listed as " ITF ( my name ) ". Chase ( JP Morgan Chase Bank , N.A . ) will not Honor my claim. I 've been working with them since XXXX 2015. They want to flip it to an estate account. But this account has a beneficiary, so it 's NOT an estate item.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX credit card charged off my account on XX/XX/2017. The card was secured for {$200.00}, and I had an additional overage of XXXX. On XX/XX/2017, I made a payment of {$120.00}. On XXXX XXXX, I contacted the company and spoke with XXXX, who informed me that the company will continue to report my account as charged off rather than closed and paid in full, even though they admit that I do not owe them any further money, as they used my security deposit to satisfy the purchases I made, and I paid all over the limit fees. XXXX further informed me that it is the policy of the company to report inaccurate information to credit bureaus unless and until the information is disputed.

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 03/14/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: An offer was submitted to Bayview Loan serving, for the full amount that Bayview stated as the value needed, $ XXXX. Bayview then stalled, first needing an updated document, then another, then " losing '' some documents, from XXXX/XXXX/17, when they were submitted, until XXXX/XXXX/17, when they were " found ''. 
At this time ( XXXX/XXXX/17 ) XXXX spoke to XXXX, in regards to our complaint ( made on XXXX/XXXX/17 ) that Bayview was intentionally holding back review of offer, in order for the previous BPO/Appraisal of $ XXXX to expire. XXXX stated to submit offer, and HUD, with current value, the full price offer that Bayview requested, and it would be escalated, due to the reason that conditions are there for a review. " Escalation '' took 14 days, on XXXX/XXXX/17, the decision was made to reject offer, and NOW countered to NEW XXXX of {$430000.00}. 
The offer was at full value at the time of viewing, and was at full value at the time offer to purchase was presented by Buyer. we have also submitted this offer to XXXX. We are filing this complaint today, we feel that the delay in approving the full price offer, and the refusal to allow this sale to go through, has harmed the Borrower. 
Today XXXX/XXXX/17, we submitted the documents to both XXXX and Bayview. XXXX XXXX, the Portfolio Manager called, after receiving my email sent to the rep assigned. He stated that he resubmitted the file again to XXXX for review, and it is escalated, and that we would have an answer in another 5-7 business days. ( previous escalation, with same exact language used, took 14 days ). I asked for a written explanation, stating the reason for offer 's rejection, and also a written explanation for Fannie Mae 's rejection of the allowable fees on the HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello, my name is XXXX XXXX and I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt ( XXXX XXXX, Discover Bank ) of a small house in the country. The only major problem I have with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt '', XXXX XXXX XXXX to be exact. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan and I was denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing the best that I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do not believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate, the proof is there. I have contacted the other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Transaction issue

Complaint: I have an ATT Universal credit card with Citibank. On XXXX/XXXX/15, I wanted to authorize an online transaction in the amount of XXXX British pounds ( a bit more than {$3000.00} ), to a firm in the XXXX XXXX, for the purchase of a collectible item ( a coin ). Citibank 's fraud protection unit often blocks transactions of this type ( they blocked XXXX of mine just three weeks prior ), and I contacted Citibank through its online secure messaging system to notify them that the transaction would be coming and that it was valid. The electronic response I received told me to telephone them, which I did on XXXX. I gave them all the information for the transaction, including the anticipated date it would be completed ( XXXX/XXXX/15 ), and I was assured it would be processed. 

On XXXX, I received notification from the vendor that the transaction had been declined ; I also received an email notice from Citibank that it had been declined. I telephoned Citibank again in the evening of XXXX, and they advised that the account had not actually been noted to approve the transaction ( despite the separate electronic and telephone notifications I provided ), but that they would do so now : I was assured that the transaction would be approved when the vendor resubmitted it the next day, XXXX ( at this time it was already after business hours in the XXXX XXXX ). As further assurance, the Customer Service Representative told me that she or someone else from Citibank would contact me when the transaction went through. 

After speaking to Citibank, I contacted the vendor to authorize him to proceed. 
On XXXX, the vendor notified me that the transaction had again been declined ; I also received an e-mail notification from Citibank that it had been declined, with a request that I contact them to verify whether it was valid. 

I AGAIN verified that the transaction was valid, using Citibank 's electronic verification system, which advised me to have the vendor re-transmit the transaction. I then attempted to have the transaction go forward ... and it was declined again. 

I then XXXX telephoned Citibank, but I was not able to reach anyone at Citibank to clear this up -- both times the phone system just went through voice prompt XXXX -- but when I checked my account online I found that they were XXXX " pending '' transactions for the vendor, each in the full amount. Those XXXX " pending '' items match up with the XXXX separate attempted charges -- each of which was returned as " declined. '' Notwithstanding that the charges were all declined, my available credit limit has been reduced by an amount equal to the total of the XXXX failed/declined transactions. 

I then threw up my hands and ran the transaction using a XXXX credit card -- which went through without a hitch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (SC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I am currently in an auto loan with a very high interest rate of 22.9 % ; this  loan was acquired in XX/XX/XXXX. I have been currently paying the amount of {$530.00} per month for a XXXX XXXX XXXX on time each month. My hours have changed at work and upon researching my loan, I owe {$10000.00} more than what my vehicle is worth placing me in an upside down loan. On XX/XX/XXXX, I submitted a letter electronically via the XXXX XXXX XXXX 's website detailing the request to lower my monthly payments. An email was sent on XX/XX/XXXX asking me to contact the company via phone because of privacy issues. I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke with an customer agent and she was very short, unprofessional, and completely did not want to aid me in my request. Her reply was XXXX XXXX does not rewrite loans. She offered to give me an alternative lending source, XXXX XXXX at XXXX. Upon contacting this lender on XX/XX/XXXX, I was initially approved and then told they could only help me if I came up with a {$7000.00} down payment because again I owe a total of {$18000.00} and my vehicle is only worth roughly at the highest value of {$8000.00}. I think I was taken advantage of since I had just completed Chapter XXXX bankruptcy and had just been successfully discharged in XX/XX/XXXX resulting in me becoming a victim of predatory lending. I also would like to report XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, GA XXXX ; Phone : ( XXXX ) XXXX ) who seemed negligent to tell me how my loan would work. They assured after successfully completing the auto loan for a year, I would be able to either refinance or trade this vehicle in for a lower price. I initially contacted XXXX XXXX   XXXX in XX/XX/XXXX but to no avail no one is willing to return my phone calls.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The property I owed located on XXXX XXXX XXXX XXXX XXXX, IL was sold on a short sale on XX/XX/XXXX The creditor, Seterus, continues to report the account as past due onXX/XX/XXXX, even though as per the documents the house was sold and the title passed to the new owners on XX/XX/XXXX. In addition, they also continue reporting that the house was in foreclosure as ofXX/XX/XXXX, even though foreclosure proceeding never started and the house was sold two months before that. There should be no data reported for XXXX and XX/XX/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 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted this collection agency three times over the past 3 months to cease seeking payment for this debt. I sent them an identity theft report that states this account is not mine via certified mail. Instead of ceasing payment collection, the collection agency instead sent over a debt validation that does not provide a contract with my legal signature or identifying information. No contract was sent. They only provided typewritten invoices that DO NOT bear my legal signature on an actual contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a credit card debt with Chase bank. I closed the account in XXXX XXXX after the interests rates were elevated to & gt ; 18 %. The debt was sold in XXXX to XXXX ( wrong amount stated ) In XXXX XXXX the law firm XXXX in XXXX Forida filed a suit ( past the 4 year statute of limitations ) for a default judgement stating XXXX of XXXX was the attorney to answer to .. very confusing. a week later I received a settlement offer from XXXX. ( I was in no position to make the payments asked ). In XXXX of XXXX now five years later- I had my wages garnished and on the garnishment it said-XXXX, as assignee of XXXX as assignee of Chase! Ultimately I had over XXXX dollars garnished for an old debt from Chase by XXXX.. that had been through 3 third party debt collectors --

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: I am tired and sick of Chase and Chase Executive office who keep playing games with my modification application. As of XX/XX/XXXX I was forced to re apply all over again since Chase told me that my application for loan modification was never reviewed. 


I re apply for the loan modification and now they are telling me that my application was removed for modification because the underwriter called me directly on XX/XX/XXXX and I refuse to accept the trial payment agreement. 

Now Chase is refusing to return my call, I called today and I was told the point of contact XXXX XXXX p. XXXX ext XXXX Manager XXXX XXXX are out of the office on vacation and they will not return my call until 1 month from now. 

There is also an executive office representative assigned XXXX phone number XXXX who is not in the office and doesn't have any information about my case. 

This is unacceptable since Chase has been playing games with my home since 2 years ago. It is convenient for Chase to keep playing games because my mortgage is adjustable and negative payment. 

Which it makes senses now that Chase keeps playing games with my home and keeps delaying my loan modification application. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (AK).
Issue: Loan servicing, payments, escrow account

Complaint: When I am late on my mortgage payment to Wells Fargo I have in the past added the late fee, which is {$25.00}, so that I am current. For the last 3 years I have had to battle with them to get them to record this as a late fee instead of subtracting it from my loan balance. When they do that they say I owe the fee and it just piles up. I call them to tell them to fix it and all I get is it will be done but it rarely gets fixed. They say I owe {$200.00} now in late fees but the truth is I owe only about {$75.00} because I quit making those payments when I realized nothing was getting done. I have been into the branch to make my payments and told them to make sure that it gets credited as a late fee and still when I get my notice the next month it is still showing I owe the fees. I can not be the only one this is happening to.

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 05-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They will not respond to any of my disputes. 
XXXX XXXX XXXX is on there twice. This is a duplicate listing. Not only that, but it was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. It can only be on there once for the same bill, not twice. And, it needs to show as a {$0.00} balance since it was included in a bankruptcy and discharged.

Company response to consumer: Closed with explanation