milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was contacted by Navient about the loan and they stated they would take me to court and garnish my wages if I did not pay immediately. I downgraded things at home to try to make the payment of {$110.00} per month and when I could not get work for the summer since I XXXX they started harassing me calling me 4 or 5 times a day hanging up when I answer. I told them the situation and they told me we have the right to call you since you are not paying and we will continue until you do. They even told me to go to a drug store or gas station to get a job just do n't sit there for the summer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2005 I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse.

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 11-05-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: They left a message for me and for my mother stating they were calling regarding a complaint that was going to be filed against me XXXX. They are a collection agency and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: i had secured credit card with wells Fargo. early this year they have closed the account with out telling me ( its ok ). they were supposed to refund me my security deposit and it never took place it has been more than 8 months and I have not received funds back from these XXXX. I have filed complaint with you about 3 weeks ago and nothing took place on Monday I am filing law sit against wells Fargo. they have been advice and they are ignoring me. and as for CFPB you are doing nothing to help the  consumer. they can not come up with XXXX excuses over and over and over and not refund my money. I do n't have any judgments.

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 08/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received debt collection calls around XXXX XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XXXX XXXX when my wallet was stolen, and that I did not authorize the accounts at the service location. Contrary to DC 's XXXX XXXX, XXXX response to Complaint XXXX. XXXX, the account was NOT delinquent before my identity was stolen. The fact that DC 's records does not reflect their debt collection efforts correctly ( i.e., does not show that I identified this account as fraudulent upon first receiving a debt collection phone call ) highlights their negligence. To make it perfectly clear because we are obviously dealing with a company that does not keep adequate records : MY IDENTITY WAS STOLEN IN XXXX XXXX. The XXXX XXXX XXXX account became delinquent in XXXX XXXX. I was informed of the delinquent, fraudulent debt in XXXX XXXX and informed DC AND XXXX XXXX XXXX that the debt was fraudulent and reported the account to the XXXX Police Department to be included in my identity theft report. Thus, as of XXXX XXXX, both DC and XXXX XXXX XXXX knew the account was fraudulent yet continued to report the account to the credit bureaus on XXXX XXXX, XXXX. 

The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''. Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - XXXX XXXX XXXX with Incident No. XXXX. After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls. I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit. Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX  and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum. Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Debt collection (I do not know) with CITIBANK, N.A. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have received numerous calls from Citibank requesting to speak to my Father-in-Law " regarding his account ''. I have repeatedly told them that this is not his phone number, his home, nor anything else of his, and he can not be contacted here. One representative requested that I give him a message to call them back and gave me a phone number. ( Violation # 1 of FDCPA ). I have also asked them several times to remove my phone number. They assure me they will, and then a few days later they are calling again asking for him. ( Violation # 2 of FDCPA - repeat contacts of family member without request of such by myself. ) They just called me again today and asked for him. I told the lady again, not him, his number, his home, and to remove the number. She reported she " would try '' to do so. 
My father-in-law is a XXXX Veteran and deserves all appropriate protections. ( I am not a veteran. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with DISCOVER BANK (IL).
Issue: Transaction issue

Complaint: I am writing to your agency because I am very disappointed in the way Discover handled my case. I tried to re open XXXX cases with them : XXXX and XXXX charged by XXXX and XXXX XXXX XXXX. They would not re open it, I understand that I missed a deadline but I called them to explain that I have XXXX XXXX. I am currently in XXXX, It is hard to keep up with my mail. I am dealing with XXXX and XXXX. All this is overwhelming. I ca n't believe they are doing this to me. Where 's the compassion? I am asking your help to please try to re open my case, I was going to respond the letter to Discover when I saw the date was due already, then I called them on XXXX XXXX and they denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (FHA mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I purchased my first home with a mortgage from Huntington. The mortgage payment was roughly {$990.00}. XX/XX/XXXX Huntington informed me that my new mortgage payment was roughly going to be {$1300.00} a month for the next year and roughly {$1200.00} for the remaining 28 years on the mortgage. They stated to me that they had incorrectly calculated my taxes on the original mortgage document and that I was stuck with this new payment. I contacted a lawyer and was told that I was a victim of a " bait and switch '' loan. I was unable to make these payment and lost my house. This destroyed my credit in the process. Huntington never offered to help me in any way. They never rewrote my mortgage and I was never presented with documents showing how this was possible. I was only ever presented with a bill each month for this new amount. I was fortunate enough to sell my home in XX/XX/XXXX. I lost my life savings in the process paying back various fees and payments in order to avoid having a foreclosure mark on my credit score for the rest of my life. During this time I occupied the home and Huntington made multiple attempts to winterize my house while I lived there. They hired third party contractors to come to my home and inspect it while I was at work despite he fact that this was my only residence. Their customer service mocked and laughed at me on various occasions as I pledded for help bringing me to tears on multiple occasions. I became depressed to the point of contemplating suicide more than once. If not for the grace of God and Him having me meet my now wife during this crisis I would not be here to file this complaint.

Company response to consumer: Closed
Consumer complaint received 12/17/2017 about Debt collection (I do not know) with Midwest Recovery Systems (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was just aware that XXXX XXXX XXXX agency reported an account that I allegedly owe in the amount of XXXX to the credit bureaus. I have no knowledge of this account as I have not received any loan for this amount for anyone. I was contacted by this company and told them that I had no knowledge of the debt that I dispute it and I also asked them to please validate the debt in writing as required by the fair credit debt collection practices act. The company failed to do this and they illegally reported my account to all the collections bureaus without validating this account to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: my name is XXXX XXXX my ss and im having a hard time disputing several accounts with equifax and i also havw had several accounts removed from both XXXX and equifax and all of the sudden keep reappearing, idont understand and several accounts are from several years ago or the accounts are closed one account is from 2008 this is ridiculous and i need to find out howm to have these permentatley removed as o thought was to happen anyway i was on XXXX and for some reason equifax keeps saying my information does not match which is bologna its a ; ways a rat race with these credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My acco unt is with CONN 's Furniture. I ha d a payment contract with them after I fell behind in  XXXX   2016 . Starting in  XXXX   2016  I made  two  payments a month of {$200.00} and {$240.00}. The last payment was  XXXX   XXXX  where I paid {$650.00} the confirmation #  XXXX .     I have conta cted CONN 's n umerous times to report my payments they said they would but yet my report still says over 200 days late. Shows no payments since  XXXX   2016 .   The last payment which paid off the account they do not have noted on my account. They were to report my account in good standing and paid in full.   No one seems to know what is happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Payday loan () with Enova International, Inc. (TX).
Issue: Received a loan I didn't apply for

Complaint: I learned in XXXX XXXX that a number of 'pay-day ' type loans, in various amounts, had been opened using my identity ( SSN, name, birth date, employer, salary, home address, etc. ) which was apparently stolen sometime during XXXX. To date I have learned of XXXX companies that have opened such loans, including : CashNetUSA, XXXX XXXX XXXX, XXXX Payday Loans, and XXXX. The loans do n't appear on credit reports from the major credit organizationsXXXX. This is concerning unto itself. The loans were opened on or around XXXX/XXXX/XXXX. I contacted each company as I learned of a loan. The companies were all circumspect about the respective loan and would not provide information to me unless I gave them privileged personal information. I refused to provide such information unless they could prove they already had it. I was harassed with phone calls sometimes on a daily basis if not more. Eventually, I learned in each instance these companies do n't actually do credit checks with the major credit services nor are the loans identified on the credit reports -- makes it hard to determine there are fraudulent loans when they are n't reported on your credit. I have opened an incident report with my local police department, opened a complaint with the FTC, and put fraud alerts with the major credit services. I have sent dispute letters to each company when I learn of the loan and how I can file a dispute. All MAJOR inconveniences. While I 'm concerned about the harassment I 'm receiving from these companies, I 'm VERY concerned about what I do n't know including other companies that may be using my identity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Chase did not accept the payment of {$8300.00} that the Florida Hardest Hit program tendered on my behalf in XXXX XXXX. 

I am now making payments ( and my loan is current ) but, by failing to accept the Hardest Hit funds, Chase caused me financial harm. First, I should have over XXXX XXXX dollars off my loan account because Chase should have accepted the funds. Also, the modification was based off a default in the loan payments which the {$8300.00} would have corrected. The Hardest Hit funds would have brought my loan current, and given me the opportunity to avoid fees associated with further default on the loan. 

I only became aware that this money had not been applied to my loan in XXXX XXXX when the legal aid office made an inquiry with Hardest Hit, and Hardest Hit mailed me a letter stating that Chase had rejected the funds. 

I then wrote a letter to Chase 's Research Department ( on XXXX XXXX, XXXX ) to look into why Chase did not apply the Hardest Hit funds to my loan and they have yet to get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I was first called by Diversified Consultants, not sent a letter. They left a message. I returned their call. I asked them what they wanted and they started to bore in on me and just yell and talk over me. I was very unappreciative of this and told them it was customer abuse. When I told them that I had a letter from XXXX that said I was not to contact anyone related to XXXX XXXX and this incudes them ) they got mad. It was as if to say that I should violate law and the letter. They also told off my husband and he never spoke to them before that one time. 

When I would try to speak to them they referring to everyone I spoke to, would talk over me even after asking a question. They would not listen to my answers so I stopped talking. at one point I asked a question and they answered with a question. I asked them to please answer my question with a statement and not a question. They refused. They continued this pattern of behavior and to this day now I have them blocked in my phone. so they try restricted calls but my phone blocks those as well. Therefore I am requesting ALL communication in writing. I also informed them I had no further interest in talking to them and am sending them a cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/15 I went into my Chase branch to pay off my credit card balance in full. I overpaid by {$330.00} so that any additional interest XXXX {$110.00} would be paid from that and then refunded the balance on the next cycle. After the cycle completed, I requested the difference to be transferred to my checking account. Because I asked for a transfer to my checking account and not a check, they had to put the {$23000.00} back into my account as a charge and then credit the payment incurring {$160.00} in interest. and still refunding me, now making the account have a minimum payment due of {$44.00}. When I closed the account they took it off my account dashboard, so I did not know I owed {$44.00}, thus missing the " payment '' 2 months after the account was closed and the statement showed that they owed me money and not the other way around. I have gone into the branch and talked on the phone but they say there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a computer motherboard from XXXX XXXX in 2010. The company was giving me the run around & did not provide any means for me to contact them by phone so I feared that it may have been a scam. The item I ordered was not delivered so I contacted my credit card company & did a charge back. Soon after that, the item I ordered finally arrived at my door. I refused the package & asked the deliver person to send it back. They received their item back & are still charging me for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter dated XXXX XXXX, XXXX from a company called Dynamic Recovery Solutions. They claim to represent XXXX XXXX XXXX XXXX. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Debt collection (Medical) with CAINE & WEINER COMPANY, INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX of California has confirmed several times that consumer do not owe any overpayment ; however debt collector Cain & Weiner is trying to collect. Consumer had a problem with another debt collector last year trying to collect on this bogus debt, and that matter was resolved and consumer was taken off debt collector 's list. Even though I kept telling this phone rep from Cain & Weiner that he should not be calling me and that I do not owe any overpayment to XXXX XXXX XXXX, he kept stating that I do. Consumer hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with EARLY WARNING SERVICES, LLC (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Early Warning has adverse information from XXXX in regards to a fraudulent and unauthorized checking account. I have never opened a checking account with XXXX. Someone stole and used my personal information to impersonate me and open up a fraudulent and unauthorized checking account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tried talking to the credit bureaus in regards to identity theft and they just ignored me I sent in a identity theft affidavit notarized and sent certified and was still ignored

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