milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Mortgage (FHA mortgage) with First Direct Lending, LLC (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a letter from First Direct Lending ( attached ) offering me a refinance with cash out. I called and spoke to   XXXX   XXXX  . I explained I wanted a cash out loan as I have credit card debt and am having a hard time paying them on time. My goal is to pay off all debt except the house payment as I plan on retiring in 3 years and my social security will meet the house payment. The house payment has never been late the home is not in default. I made it clear I do not presently live in the home and I was only interested in this loan if a cash out to pay existing debt were possible. I also advised that my credit was not so hot income to debt is high and I am falling behind in credit card payments.My bad credit should reflect only two things 1 ) do I qualify 2 ) at what interest rate. I also stated that to cash out, it was acceptable for the house payment to increase upward to {$1400.00} a month as social security payments to begin in three years would meet that amount. I was not called and advised or emailed and advised that I did not qualify. I received the loan documents ( attached ). 1 ) the stated value of property is {$180000.00}. They did not offer me the loan of {$160000.00} with cash out stated on the letter or a loan near the value mark with cash out, they only offered a loan of {$150000.00}. 2 ) Closing costs for this loan far exceed the typical 2 to 5 % charged. The closing costs are added to the loan. 3 ) My pay off on the current mortgage is {$130000.00} and this new loan amount funds only the extremely high closing costs 4 ) this loan increases my house payment yet it does not better me, it in fact only betters the loan company since they intend to transfer the mortgage as stated in the loan documents. 5 ) the interest rate is the same as I am paying now. All I get out of this is not paying one house payment ( {$1100.00} ) for which my new payment will be {$77.00} more per month for 30 years. {$23000.00} excluding interest over the life of the loan to skip an {$1100.00} payment. 6 ) I made it very clear I do not reside at this residence yet the box marked " primary residence '' is checked for my signature. 7 ) this loan increases my income to debt ratio when the entire point was to cash out and pay down debt. I think that the documents attached speak for themselves. Predatory lending, loan sharking ( {$23000.00} to skip an {$1100.00} payment ) and elder financial abuse. I emailed   XXXX   XXXX    with my concerns, he has not responded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: We have submitted a complaint for this issue previously but we were told they were n't calling our main number that I listed. The company made no effort to contact us to determine what number was being called. Now I have listed the numbers for our office. This place KEEPS calling over & over for someone that does not work here! I stay on the line EVERY SINGLE TIME so that I can tell the person to remove our number, they kindly say they will and then never do! Today I called Gila Corp and a lady by the name of XXXX picked up to help me, the second I told her I had previously filed a complaint with the CFPB she instantly hung up on me, what great service huh? This company is absolutely HORRIBLE and will not stop calling our place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have filed several disputes with Experian by mail and online. I have multiple inquiries that I did not make and have asked for them to be removed and Experian has not completed this request. They have sent me the same explanation each time further allowing me to believe my request has not been fully researched on their behalf. I also have a collection agency by the name of  XXXX   XXXX   XXXX  reporting on my report and they should not be. I have not taken courses at  XXXX   XXXX . Experian has told me this information is correct but it is not. The company has not provided an validity to me nor can have provided anything to Experian. This was removed from my   XXXX   report and my   XXXX   because the debt is not able to be validated.

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 10/14/2015 about Credit reporting () with Aargon Agency, Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The AARGON AGNCY  has been paid and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/28/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: I put a {$1000.00} down payment on a auto-cycle ( XXXX wheel scooter that is enclosed ) using a Chase card on XXXX XXXX, XXXX. At the time of the transaction the ship date for the product ( it had not been produced yet ) was fourth quarter XXXX. I contacted chase bank to initiate a dispute on the good not received, and they informed me they would be unable to due so due to over 500 days passing from the date of transaction. I informed them that the product was not expected until 4th quarter XXXX, so the clock for when to dispute should not have begun sooner than when the product was expected to be delivered. Chase is refusing to open a dispute, and has agreed that I have " no protections '' for this purchase from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Other mortgage) with Seterus, Inc. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: I filed chapter XXXX bankruptcy on XXXX/XXXX/14, the bankruptcy was discharged on XXXX/XXXX/2014. I included my XXXX balance of approx. {$34000.00} ; this balance was discharged. XXXX sold the loan to Seterus. I have been making monthly payments to Seterus because I want to avoid a foreclosure. However, Seterus are charging me interest and will not provide me with a statement, nor will they provide me with receipt of my payments. My payments have increased from {$300.00} to over {$400.00}. I have requested pay off statements and the balance keeps increasing. Since this loan was included and discharged in my bankruptcy they should not be charging me interest. I want a refund of all of the interest I have paid them since 2014. I want a detailed list of all of my payments and I want a pay off statement. They refuse to talk to me on the phone because they keep saying I am in bankruptcy. I keep telling them my bankruptcy is discharged and closed. I need this information so that I can sell the property and I want the interest that they have charged me to get refunded. I am not liable to pay this loan because it was discharged. They are breaking the law by charging interest on a loan that was included and discharged in bankruptcy. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: My credit card account was frozen telling that they need to verify my identity. I had been using this card since lsat 6 months. I called them up and answered all the questions. Now they are saying they need to talk to me on a second phone which I dont have. Another rep insisted they talk to my employer. I requested many times to cancel this card. But they will not. 

Card details Citi Bank.

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 08-01-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/2017 I disputed a unknown collection on my credit report with the 3 credit bureaus. Two weeks later the debt came back verified. I then mailed a letter to XXXX XXXX asking them to validate the debt. Asking for proof they own the debt, proof they are licensed to collect in my state, and the original aggreement showing I have an account with them showing my signature for the {$2200.00} collection on my credit report. They sent me a one page computer generated statement. I then redisputed the collection again with the credit bureaus, and they again verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2016 I mailed a deposit to Captial One Bank in their postage paid envelope, with my deposit slip, and a check for XXXX made payable to me. On XXXX XXXX 2016 I received my XXXX statement and the deposit was not on the statement. Today is XXXX XXXX and I have called them numerous times over the past four weeks, sent faxes, and still nothing has been resolved. My last conversation, today was they want me to resend the fax. It was lost due to the flooding in XXXX. They will not accept an emailed document. I am turning this over to the CFPB as I am getting nowhere fast trying to resolve this on my own. I need help getting my money back. They cant seem to tell me where my money went or how they plan to correct it. All they can do so far is give me a huge run a round and it 's been almost 30 days since I notifed them of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Closing on a mortgage

Complaint: LOAN NO.,XXXX
Seven months ago as inheritor of the Estate of XXXX XXXX (legally registered in XXXX County Probate court) I approached Nationstart dba Champion Mortgage to pursue a shortsale on the property. We were assigned as our contact person XXXX XXXX (Tel XXXX  email: "XXXX XXXX"  ) , who informed us of the requirements. We submitted an inspection report, an appraisal, and Sales contract. Days later the content of the inspection report was ingnore and the entire package was rejected, then Champion decided to send their own appraiser who did not take into full consideration the dire condition of the property, and the net price that Champion agreed to was $XXXX. It is interesting to know that the Appraisal was completed by Champion Appraiser XXXX XXXX XXXX on XX/XX/XXXX yet we did not received Champion Approval letter until XX/XX/XXXX and this was after making several requests, that means that we were penalized for more than a month from the date of the bank appraisal. After discussing this buyer, I persuaded him to resubmit a new sales contract and HUD1 with the new price, several weeks later after requesting several times the confirmation letter we finally received it. The bank appraisal had an expiration date of XX/XX/XXXX. Unfortunately due to hurricane XXXX and the State of Emergency called by the Governor, we could not proceed with the closing as planned. Last week I emailed XXXX XXXX as well as my buyer requesting a short extension since the entire legal community and the courts were closed due to the aftermath of the hurricane. To my astonishment the two week extension was denied and now we are back to square one. The property incurred substantial damage yet due to past experience with bank appraisers, whoever they send will appraise the property at a higher price totally ignoring the condition of the property, this is done in a very SUBJECTIVE WAY as to minimize the lose the bank will incurred as a result. 
In a time when millions of us in Florida went through this catastrophic hurricane it is incomprehensible and completely unfair by Champion mtge to impose such deadline totally ignoring the facts on the ground. 
Summary: 
I EXPECT THIS AGENCY TO LOOK INTO THIS MATTER AND CONTACT THE POWERS THAT BE AT CHAMPION MORTGAGE TO WAVE THE XX/XX/XXXX DEADLINE AND GIVE US TWO WEEKS TO PROCEED WITH THE CLOSING ON THE PROPERTY. THIS TYPE OF BEHAVIOR BY A CORPORATION WITHOUT REGARD FOR THE ELDERLY WHEN WE HAVE JUST WENT THROUGH THE BIGGEST HURRICANE IN HISTORY IS TOTALLY UNCALLED FOR AND NEEDS TO BE FULLY ADDRESSED BY THE REGULATORY AGENCIES. SHOULD NATIONSTAR / CHAMPION MTGE REFUSES TO WAVE THE XX/XX/XXXXAPPRAISAL DEADLINE, MY BUYER AND I WILL BE FORCED TO FILE A COMPLAIN WITH THE SECRETARY OF HOUSING AND URBAN DEVELOPMENT THE GUARANTOR OF THE REVERSE MORTGAGE AND I WILL SEEK ALL LEGAL REMEDIES AVAILABLE TO ME TO ADDRESS THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I enrolled in XXXX university online in XX/XX/XXXX. The counciller i was asigned didnt explain student loans, and coerced me into taking out more loans than i needed saying i would recieve checks so i could afford to go to school and pay bills while i was on workers comp. i never recieved any of the money, information about my loans or a payment plan. i dropped out in XX/XX/XXXX due to the school refusing to send me correct programs like XXXX so i could do my coursework and the teachers refused to help. i called navient and XXXX XXXX in XX/XX/XXXX starting in XX/XX/XXXX trying to figure out about my loans and was just transfered time and time again only to be hung up on. I had a representative call me and then call me the wrong name and hung up. I am trying to get out of default but i never even knew how much my payments were or where i needrd to send them. in total i have {$14000.00} in defaulted loans and have no idea where to turn. my wages are being garnished and my paychecks. Im XXXX XXXX and ive tried filing for new direct consolidatrd loans and was just denied. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Late fee

Complaint: I paid my full credit card balance to Chase ( Amazon.com Rewards ) card ahead of the due date ( paid electronically through Chase 's own site ), but they did n't process it until after the due date. The next month, I was assessed a {$25.00} fee on {$0.00} interest from the prior payment. 

The {$25.00} fee was forgiven, but not the {$0.00} cents. And then a {$15.00} fee was added - no explanation on that. 

I am told they ca n't do anything about the {$15.00} that I now owe - which I should not owe, as I paid on time to begin with. 

I find this predatory and dishonest. When a consumer pays though Chase 's site, and the payment is n't marked as received when it is paid, the problem resides solely with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I have applied for a HARP refinance of my condo with my current lender. Although I am HARP eligible, but they are indicating that my flood insurance policy is not sufficient despite it being in excess of XXXX. They are further indicating that my only option is to get increased coverage up to {>= $1,000,000}, which is not only implausible, but absurd. This also does not make logical sense to me as Wells Fargo currently owns my loan and my flood insurance is sufficient for that loan.

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 01/15/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I get a call from XXXX XXXX XXXX and the agent has a really thick XXXX accent and he was calling about two account. Account # 's XXXX and XXXX. He stated that I needed to pay these accounts in full or there will be no other advantages given if I did n't and the next option would to be to have my wages garnished and that the option was up to me. The guy was very rude and unprofessional. This is n't my first time dealing with Midland as they have a affiliate XXXX XXXX and I have went to court back in 2016 and fought them and won. I proved the last time to the judge about them harassing me and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit line increase/decrease

Complaint: I WAS DECLINED FOR A CREDIT LIMIT INCREASE BASED ON " THERE WAS A RECENT CHANGE TO YOUR ACCOUNT ''. THIS RATIONALE IS BEING DISPUTED BECAUSE I RECEIVED AN " ACTUAL '' CREDIT LIMIT INCREASE APPROXIMATELY XXXX 2015. ON XXXX XXXX, 2015 I WAS APPROVED FOR AN ACCOUNT COMBINATION, IN WHICH, I CLOSED XXXX OTHER ACTIVE CAPITAL ONE ACCOUNTS ( # XXXX, # XXXX, # XXXX ) AND TRANSFERED THE INDIVIDUAL CREDIT LIMITS TO MY CAPITAL ONE CARD ENDING IN ( # XXXX ). THE COMBINATION OF MY ACCOUNTS RESULTED IN AN INCREASE TO MY CREDIT LIMIT, BUT IT WAS BASED ON ESTABLISHED AVAILABLE CREDIT FROM ALL OTHER CARDS, NOT AN INCREASE GRANTED BY A STANDARD CREDIT LIMIT INCREASE REQUEST. I MAY BE CONSIDERED FOR AN INCREASE NO MORE THAN TWICE A YEAR ( SIX MONTHS ) ACCORDING TO CAPITAL ONE TERMS & CONDITIONS. I RECEIVED AN ACTUAL INCREASE IN XXXX, THUS I SHOULD QUALIFY FOR A POSSIBLE LIMIT INCREASE UPON XXXX REQUEST, WHICH IS MORE THAN SIX MONTHS TIME FRAME. CAPITAL ONE IS CONSIDERING A CHANGE TO MY EXISTING ACCOUNT WHICH RESULTED FROM AN APPROVED ACCOUNT COMBINATION, NOT A STANDARD REQUEST. I CONTACTED A CAPITAL ONE REPRESENTATIVE PRIOR TO APPLYING FOR AN ONLINE CREDIT LIMIT INCREASE TO VERIFY LAST OFFICIAL INCREASE DATE, WHICH SHE STATED WAS IN XXXX, THUS I WAS WITHIN TIME FRAME FOR CONSIDERATION. TAKING INTO ACCOUNT THE XXXX APPROVAL FOR AN ACCOUNT COMBINATION EXPLAINS WHY I RECEIVED A DENIAL REASON OF " A RECENT CHANGE TO YOUR ACCOUNT '' ; IT 'S NOT WITHIN SIX MONTHS. CAPITAL ONE IS DEMONSTRATING UNFAIR ACCOUNT REVIEW PRACTICES BY CONSIDERING ACCOUNT COMBINATIONS, WHICH IS OFFERED AS A BENEFIT AND MEANS OF CONSOLIDATING SEVERAL ACCOUNTS INTO XXXX. CAPITAL ONE DID NOT PROVIDE ANY DISCLOSURE STATING THAT UPON COMBINING MY ACCOUNT, THE ACTION WOULD BE TAKEN INTO CONSIDERATION DURING CREDIT LIMIT INCREASE REVIEWS. I WOULD HAVE NOT OPTED FOR THIS COURSE OF ACTION IF I WAS MADE AWARE THAT IT WOULD REPRESENT " A RECENT CHANGE TO ACCOUNT ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt is from account from $ XX/XX/2008 an account is old and such no longer owed or valid. This has been requested to be removed many times. I want this removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX , I noticed there were many accounts listed on my credit report that did not belong to me. I tried correcting this in  XXXX . Again I checked in  XXXX  and it was still incorrect. I filed another dispute then. Checked again  XXXX   XXXX ,  XXXX  and the information is still incorrect! I filed a dispute for th e 3rd ti me and the results came back incorrect again. They are mixing up my information with another person 's because we have similar names, live in the same state, and have similar Social Security numbers. They have never fixed the problem and I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed these accounts multiple times with XXXX and Portfolio Recovers. They keep saying they validated. But how can you validate my account with a statement anyone can create. According to federal law they need my contract on file what none of them have. The attachments is what Portfolio recovery has sent me for validation. Sense when does a statement that anyone can create as validation. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

Company response to consumer: Closed with explanation