milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Struggling to pay mortgage

Complaint: I HAVE APPLIED FOR HARDSHIP ASSISTANCE ON XXXX/XXXX/XXXX I WAS TOLD BY MY SERVICER NATIONSTAR THAT THEY WILL NOT OPEN UP A REVIEW DUE TO A DISCREPANCY THAT WAS FLAGGED ON MY ACCOUNT ON XXXX/XXXX/XXXX BY MY INVESTOR, I HAVE ASKED WHY WHAT WAS THE DISCREPANCY AND THEY STATE THAT THEY CAN NOT TELL ME. 

I CALLED XXXX XXXX TO FIND OUT WHAT WAS THE REASON AND THEY RESEARCHED IT AND STATED THAT THE SERVICER HAS AN ERROR ON THEIR SIDE AND THAT THEY WILL CONTACT THEM TO REMOVE AND CONTINUE WITH THE APPLICATION. AFTER 1 MONTH OF BACK AND FORTH WITH NATIONSTAR AND XXXX XXXX, IT CAME DOWN TO XXXX XXXX CA N'T MAKE NATIONSTAR CORRECT THE ERROR AND I AM ROADBLOCKED NOT KNOWING WHY THEIR IS A DISCREPANCY AND AM IN FEAR I WILL LOSE MY HOUSE DUE TO BEING LEFT IN THE DARK.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX my husband moved out of our home and refused to pay any mortgage payments. I filed for divorce later that month. In XXXX, Chase sent me a mortgage assistance package ; I completed the documents and sent them back. In XXXX, I was able to be hired as a XXXX, I also obtained a divorce. I mailed Chase the updated information in XXXX, asking where to send payments, and did not receive a response back, nor notification that my application from XXXX had 'timed out '. I contacted Chase over the phone to make a payment and they said they needed a minimum of almost {$1700.00}. I told the person I could not pay that ; I had {$600.00} available for a payment, but no more and that I get paid once a month. She also told me my previous application had timed out and that I had to resubmit the forms ( new forms for XXXX ). I attempted to upload the documents, only to get an error that the 'upload feature ' was not working, so I faxed all the documents ( XXXX pages ) on the XXXX of XXXX. I checked Chase online, and they are not showing the documents. I attempted to upload another document today with the same issue : the upload feature is not working, again.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Trouble during payment process

Complaint: On   XXXX   2016 loancare raised my mortgage to {$2100.00} and I thought we fixed the mortgage amount to {$1700.00}. Loancare said that will be your payment for the next two years until the escrow balance has been resolved. My taxes are {$6900.00} I received a tax  XXXX  credit for {$250.00}, now my taxes are approximately {$6700.00} a year. Loancare has raised my payment every six months. I am also eligible for the tax freeze and a credit will be put in my account. My loancare account  XXXX . Loancare has threatened me with foreclosure and has ruined my credit. They are very nasty and hard to deal with. I want my mortgage payment to remain as {$1700.00}.

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 explanation
Consumer complaint received 10-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They never sent any info. the amout is completely wrong. Had credit berau verify to no advail. These people need to be more accurate and send proper info.. They need to remove from my credit. They should not just be able ro pit on someone credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a letter from " Credit Management , L.P. located at XXXX XXXX XXXX, XXXX, TX XXXX. They say they are collecting this debt for XXXX. The the amount is for {$500.00} for the year 2013. I contacted XXXX and they say they can not go back that far in their records. They also say this is a fraudulent account. I am also a victim of identity theft and I have a file located in the XXXX, NJ Police Department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Closing/Cancelling account

Complaint: I had what I believed to be a joint account with Capital One with my ex-husband. The account was opened in XXXX ( by me and using my e-mail address ) and the current credit line was {$11000.00}. We divorced in XXXX and I have been making the payments on the account since that time. The bills come to the house that I own and all payments have been made from my individual checking account. My name is on the bills ; was on any transfer checks that were sent ; and the account appears on my credit report. My ex-husband decided to cancel the account on XXXX XXXX and was able to do so without my knowledge or consent. Capital One is saying that he is the primary cardholder and has the right to do that. This does n't seem fair as I am the one that has made all of the payments for the last 10 years and the one that made sure each of those payments was made on time for the last 16 years. It appears discriminatory to me that my 16 year credit history can be wiped out as well as the {$11000.00} of available credit being taken away from me without my knowledge and without any options for saving my record being offered to me by Capital One. I have called multiple times and written XXXX letters to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Trouble during payment process

Complaint: This complaint is related to my previous numerous complaints against Citizen 's Bank and our application for refinancing which took more than one year but yet created problems and aggravation. The process for refinancing to 2.75 % home equity line of credit was complicated because the title deed of our residence is held in the name of a trust of which our grown up kids are co-trustees. Our daughter lives in Oregon and son in Pennsylvania. Documents for home equity line of credit needs their both notarized signatures. Time and again those documents were not done as required ( and we do not know the reason ). Finally the 2.75 % was given to us but the line of credit was suspended. In 2017 Citizen 's  bank increased the rate on this loan twice although the Federal Reserve raised interest rates so far only once. In XX/XX/XXXX the rate was raised to 3 % and in XX/XX/XXXX to 3.25 % which apparently was made to penalize us. Citizen 's bank started the process to make the documents again by sending our daughter mortgage documents again but raising the rate in XX/XX/XXXX clearly appeared to be punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with Alliance Data Card Services (MA).
Issue: Transaction issue

Complaint: This is in regard to Comenity Capital Bank of XXXX, MD, dba PayPal Credit. I was approved for a PayPal Credit ( revolving credit line ) account a couple weeks ago. Each time I have attempted to use my account for a purchase online, it has been denied, which requires a phone call to them. I have spoke to them 9 times now, each time about 30 minutes. Every time they tell me there is some kind of security flag on my account. About half the time they are able to verify my identity using public records, and then the transaction will go through. The rest of the time, they just tell me I have to " wait '' ( no time specified ) because there is nothing they can do to over ride their computer system. Neither of these is an acceptable business practice. What use is a line of credit if you can not use it? No one can tell me exactly what is flagging my account. Regardless, they have verified my identity so many times, and using so many methods, that they should know my entire life history at this point. No one can seem to permanently remove this flag due to it all being computerized, and no one can permanently over ride their over-zealous computer system. And while most of the reps I have dealt with have been friendly and empathetic, no one can resolve the issue. I need this resolved permanently so I can confidently use my approved line of credit during travel and for other purposes. Right now, it 's a shot in the dark each time, and only half the time they have been successful in temporarily resolving the issue. There has go to be someone further up the food chain who can keep these flags from showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I moved from XXXX to XXXX the end of XXXX XXXX, In XXXX XXXX Navient Told me I was past due on my loans. I asked that they consolidate my loans into one montly payment. It was decided I would pay {$290.00} from XXXX to XXXX and {$400.00} from XXXX to XXXX to avoid any late payments In XXXX, however, I learned that all the loans had not been consoilated and that I had to pay a one-time check for {$530.00} in XXXX XXXX to make up the difference. In addition, I just got my Transaction report and learned I had been past due 60 days on XXXX separate reports in XXXX -- {$93.00} on a loan of {$5500.00}, {$93.00} on a loan of {$5.00}, and {$310.00} for a loan for a loan of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with P&L Acquisitions LLC (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: This account is very old and past statue of limitations. It was opened in  XXXX / XXXX / XXXX  and closed in  XXXX / XXXX / XXXX . I am being harassed about this debt stating they are going to put a judgement on me and also wage garnishments.

Company response to consumer: Untimely response
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Potentially released my personal information in the data breach from XXXX to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I am in bancrupcy and thought I was protected from foreclosure. I recently applied for a loan modiciation and/or any program that could help me with Ditech. They took over my nmortgage from Green Tree. I was also using XXXX to help me fill everything out. I got an e mail from XXXX that Ditech needed more info from me. It was unclear to me what exactly they needed and the next message I got was that it was too late and they are foreclosing. Can you please help me?? Im very worried for my self and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter.

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 02/14/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is reporting an account and after two attempts to get details on the account, they have yet to respond. What they send is nothing but a statement. I am asking to see more information about this debt such as the proving the statue of limitations has not expired, a break down of all monies owed and documentation that I agreed to pay what they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am having a serious problem with Citibank Universal Card. I had settled my debt with them through XXXX XXXX XXXX 5 years ago. They brought a civil case against me about it. I sent them proof that XXXX XXXX XXXX paid them but the case has not been dropped. So either they have my money or XXXX XXXX XXXX kept my money and lied to me. Either way I thought this was resolved 5 years ago and should not be brought to court over it. I have not worked in 15 years, have multiple medical problems, and am supported financially by my family so this is ridiculous and unfair. Citibank stated that they did not know of the settlement but is suppose to be looking into it now. I plan to review them anywhere possible due to this horrible treatment. 
This is a copy of the proof sent:  the email from XX/XX/XXXX from XXXX XXXX -----Original Message----- From: XXXX To: XXXX Sent: XX/XX/XXXX XXXX XXXX
Subject: Welcome to the Program

Hello XXXX,

I would like to confirm that we have received your signed consent and sent your settlement payment to AT&T Universal Card on your behalf.  This debt is now completely settled and we can move on to other debts that you may owe. 
As stated before thanks to our diligent work and your monthly deposits to your account with us we were able to settle with AT&T Universal Card for XXXX dollars. The payment was received by them on XX/XX/XXXX and this ends your debt with them. Congratulations and we will continue to settle with companies on your behalf.

We will continue to withdraw monthly debits of $XXXX every XXXX of each month for additional debts into our XXXX XXXX account that may need to be settled in the future. 
 
My email address is XXXX  My normal business hours are from XXXX to XXXX central time, so please feel free to contact me if you have any questions.  I look forward to working with you on other accounts!

Thank you!
 
Sincerely, 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Shopping for a loan or lease

Complaint: This debit has been wrote off my credit going on 6 years then out of the blue they contact a family member giving him account information and personal data ... this individual family member has no idea what they are talking about nor is this matter even a concern of his I feel like they have violated my privacy act not to give out any personal info to an outside party ... I believe they have broke the law

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I requested a credit balance refund in the amount of {$7000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Citi issued a check in the amount of {$7000.00} on XX/XX/XXXX. Citi then stopped payment on the check without notice to me or good cause. This caused me to incur fees and costs with my bank. Citi refuses to abide by Regulation Z and fails to process the credit balance refund. The reason given is that there is an open dispute on the credit card account.

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 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: XXXX XXXX card claimed they would give me a XXXX welcome bonus after I spent {$4000.00} in 3 months. I have already completed it in XXXX and have n't received their rewards up to now. I made several calls to their customer service, but still no updates, which they promised would give me a feedback on XXXX XXXX. I made another call today, they say they can do nothing to help and do not want to give me a timeframe of when they can fix it. I do n't think they really want to pay the rewards. If they do n't give the deadline, they can even pay it after 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (IL).
Issue: Trouble during payment process

Complaint: I currently have a mortgage with US Bank. The original loan amount was for around $ XXXX as of approximately XX/XX/XXXX. I was required to pay PMI, because my loan amount exceeded the 20 % equity to debt ratio. My current loan amount is $ XXXX. In those 3 years the value of the house has increased and my equity to debt ratio has exceeded the 20 % mark, which should mean I no longer should have to pay PMI. XX/XX/XXXX I started conversations with US Bank to refinance in which they did an appraisal. Based on the appraisal my equity to loan ratio was greater then 20 %. I asked about the removing the PMI and was told another business unit would have to work on it. At which point I requested contact information for the other unit and I received a run around. Finally around XXXX I received a number to contact after I complained on their XXXX page. When I called the number I was told to expect paperwork in 10 business days to complete and once I send it back they will review it and if deemed correct then they will turn off the PMI. It 's been about 15 business days and I have n't received any documents. I continue having to pay the PMI in the meantime.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with SYNCHRONY FINANCIAL (TX).
Issue: Confusing or misleading advertising or marketing

Complaint: I have always paid my care credit on time and more then the minimum total they said I did n't acknowledge some advertising or promotion I never saw I explained it to them and they refused to take the {$600.00} they added to my credit card. I never have seen in writing nor documents on my phone stating this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have banked with Suntrust for over 7 years. I recently was a victim of a Debit card skimmer scam and ID theft.On XXXX XXXX, 2017 ; I had over {$2400.00} plus applicable fees taken from my account. The culprit transferred funds from my minor son 's ( XXXX yrs old ) savings account and went to an ATM in XXXX, FL and withdrew cash in two separate transactions. I have always lived in XXXX, Fl 4 hours away from where these transactions happened. 
I discovered the transactions and called my bank immediately! When the fraud claim rep. asked if I have the card, I replied " No '', for the simple fact that I had misplaced my card some where. But did not report it lost because I know it was somewhere in my purse or car NOT LOST or Stolen, I called back in less than 30 minutes to inform them that I indeed have my card. It was in my purse the entire time.I was told the process takes 10 business days to review. The case was then forwared to a " Fraud Investigator '' that asked me a total 5 questions. I explained to her that I never transferred the funds, never visted XXXX and that I live alone with my XXXX small children. I received the attached email saying my claim was denied, I was shocked. I called the investigator and she explained that my claim was denied because of " conflicting statments ''. I am the victim in this situation and my bank has an obligation to protect me and research throughly to determine if I was at fault or commited this fraud. You can not base a whole claim from my statement which at the time I gave was completely in shocked that all of my hardworking money is gone. Never did the investigator look into the phone transfer or location of the transactions. Now I must go through a up to 45 day appeal process, which still does not guarantee me my funds and provided supporting documentation, phone records and affidavits from family members. I have spoken to over 10 employees in this matter. Next step for me is to contact a Lawyer, because I need someone to advise me on how to get back what is rightfully mine.

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 10/24/2015 about Mortgage (VA mortgage) with Residential Credit Solutions, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Residential Credit Solutions placed my VA Home Loan account into bankruptcy status although I have not recently filed bankruptcy. I called and emailed them after receiving their letter notifying them that they made a mistake and I sent proof but they refuse to remove the active bankruptcy status from my account. Please, someone make them stop this. They stopped my automatic bank draft and refuse to accept a mortgage payment ; says I must submit payment to their Bankruptcy Department knowing that I am not in bankruptcy.

Company response to consumer: Closed with explanation