milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Chase mortgage offered us an attempt to receive a modification or repayment plan last year in XXXX. If we were to be denied the modification they would foreclose on our mortgage. Chase had already denied us XXXX attempts for modification therefore we chose the repayment plan. We were instructed not to give any payment until XXXX of XXXX ( amount of {$320.00} ) and continue with XXXX payments of {$1100.00} ending on XXXX of XXXX. During the whole plan they would place our payment in suspense for a month each month. Then when we gave our last payment on XXXX XXXX, XXXX they called us to inform us our payment was for XXXX, XXXX and that we were late a payment. Chase also indicated that they had {$380.00} in suspense after we gave the last payment because we did not pay enough to cover the XXXX payment. Our repayment agreement states that once we gave all the payments ending on XXXX of XXXX we would be current. We fully understand that we had an escrow shortage for the year ending in XXXX and our payment increased beginning in XXXX for monies owing of {$130.00} ( {$43.00} times XXXX ) which is for XXXX payment amount differences. In XXXX they paid our house insurance which is after the escrow analysis in XXXX of XXXX and they are asking for that SHORTAGE amount now not until XXXX, XXXX as should be. Our payment was already increased for shortages for last year as explained above. They are stating that our payment was not enough to cover our payment because the increase of the insurance. Usually the shortage for this year is collected the following year or you are given a choice to make up the difference for your payment not to increase. The biggest complaint is that according to Chase we have not made the XXXX payment and we have paid every payment as asked for other than the new payment difference to cover the escrow payment difference for LAST YEAR. The manner of showing a payment not given to cover following year 's shortage does not seem to be as in our original mortgage loan documents to be collected the following year and addressing the shortage as a late payment does not seem to be right. We fully understand the shortage has to be paid we just never have seen it collected as a late payment unless the payment was assessed in XXXX which it had not because the shortage is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have called Neltnet multiple times asking about the amount owed, when my due dates are and the information I received has never matched my statement. I have asked to speak with supervisor 's and they tell me different information that still does not match with what my statement is saying. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX representatives twice assured me that they removed late fees on my account. Instead, XXXX XXXX   reported my account as delinquent, damaging my stellar credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MD).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo Dealer Services has consistently denied me opportunities to bring my account current and avoid delinquent charges, harassing phone calls and damage to my credit bureau reports. 

On several occasions collections and customer service representatives refused to accept reasonable payment offers while demanding payment in full ( several payments + past due charges ). These seemingly institutional denials have caused unnecessarily accruing past due fees and delinquency reporting. 

I called tonight ( XXXX/XXXX/15 ) to apply for a deferment, which I was denied several times prior because my account was greater than 45 days past due. After describing my situation for several minutes with my customer service representative, XXXX [ not sure of spelling ], she advised me that she would have a supervisor review my account. She returned from an extensive hold to notify me that the supervisor denied my claim because I was only 30 days past due and have greater than 50-months remaining on my loan. I asked if there was formal guidance for her decision, which seemed arbitrary. She transferred me to the collections department. 

I described my situation again to XXXX in collections, who advised me that she did not think I qualified for a deferment and transferred me to my account manager, XXXX XXXX whom I have spoken to several times prior. On other occasions XXXX misrepresented himself as a supervisor ( admitting that he was only second voicing a call ), each time he has shown an unwillingness to consider a payment arrangement. Instead he demanded payment in full by end-of-month, most likely to benefit his bonus while sacrificing my further delinquency. Tonight XXXX sounded almost intoxicated while explaining arbitrary reasoning for not considering my request for a deferment. I insisted on speaking to a supervisor and was transferred to XXXX. 

XXXX answered the phone with an abrupt, harsh tone and eventually attempted to justify the reason for the customer service supervisor 's denial. I explained my short-term hardship, which included medical expenses from my wife 's recent XXXX. XXXX responded with the most disturbing statement imaginable, stating that a death would be considered a short-term recoverable situation but not my wife 's XXXX and subsequent periods of unemployment. I nearly choked when I basically heard her say that if my wife had died they might consider a deferment!!! Please listen to tonight 's recorded XXXX minute call beginning at XXXX EST.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Student loan (Non-federal student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been in chapter XXXX since XX/XX/2011. The case was turned to chapter XXXX and discharged last year. I have been waiting to receive repayment instruction from the bank on this loan. Nothing yet. Yesterday I get a harassing call from a collection agency, XXXX XXXX XXXX. I am willing to go on payment plan and repay but ca n't afford lump sum and do not want to deal with collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NV).
Issue: Trouble during payment process

Complaint: The mortgage company that I currently have XXXX XXXX XXXX refuses to give me a statement in the mail concerning my loan payments. They state that they do not have to give me the statement in the mail. I have noticed on several occasions that the balance, and monthly statements are not accurate. I have requested 5 times that they start mailing me statements and they refuse. I have also asked them to send me an itemized list of my account concerning all of my payment since they have taken over my loan, and they have not complied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not properly notified whether or not I owed a {$280.00} XXXX bill that is now in collection and is adversely affecting my credit score. 

I had XXXX 2 years ago. I took a small break from their services and then I re-established service. I have maintained my account current at all times. When I took a break from having XXXX services I was not notified that I had a remaining balance due. When I reconnected services, I was never notified that I had an outstanding balance. I was re-issued service and I have maintained my bill current the entire time. I have recently reviewed my credit report and a {$280.00} collection appeared. I disputed the account because I did not recognize it. The account ended up being verified. I called the collection agency XXXX Southwest Credit System XXXX and they gave me an account number to give XXXX. They ended up finding an account that had a past due balance that is not linked to the account I have now. 

I feel that XXXX did not properly keep records of my past and current account balances even though the service was reconnected at the exact same address with all of my exact same personal data. As far as I was concerned ( and according to my monthly bill XXXX everything was current on my account. 

If I would have been notified that I had a past due balance at the time I disconnect, during my service break, or once I reconnected my service, I would have paid it. I have lived at the same address during that service break ( before, during, and after ) and I was never notified that I owed this amount. 

I feel that this is not FAIR Credit Reporting because now I have an account in collection that I never knew about. I even attempted to call with my current account information and they always told me that my account was current. 

If I would have been issued a regular bill I would have paid it but this collection notice was the first time I found out about this account.

Company response to consumer: Closed
Consumer complaint received 06-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: on XX/XX/XXXXI purchased an item from Amazon.com for {$79.00} with differed interest for payment within six months.
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on XX/XX/XXXX I purchased an item from Amazon.com for {$79.00} with deferred interest with payment within six months.
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on XX/XX/XXXX, I purchased an item from Amazon.com for {$420.00} with deferred interest with payment within six months.
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On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was not charged any interest charges, even though I had the two different charges with deffered interest for payment within six months. I paid them {$7.00} on XX/XX/XXXX. My previous balance was {$7.00}, my payment was {$7.00} and purchases/debits was {$230.00}.
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On my statement from Synchrony Bank/Amazon, which has the closing date XX/XX/XXXX, Synchrony Bank/Amazon charged me {$1.00} in " interest charges, '' even though I made a payment of {$77.00} on JXX/XX/XXXX. My previous balance was {$230.00} ; purchases/debits were {$600.00} and my new balance became {$760.00}.
<P/>
On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was charged {$1.00} in " interest charges, '' even though I paid {$64.00} on XX/XX/XXXX My previous balance was {$610.00} ; purchases/debits were {$21.00} and my new balance became {$570.00}.
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This is not the first time I have purchased an item with differed interest from Amazon.com and have been charged interest fees. In XX/XX/XXXX, I had a refund for the ( less than {$2.00} ) interest fees from that purchase. I can produce paperwork in the future.
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I am so tired of calling them to refund XXXX dollar here and there. It is so ridiculous and when I call customer service at XXXX, they tell me I can allocate my payment through their website. I am not a person that will ever trust Amazon.com to house my payment information. They have been hacked before and probably will be again. I want to pay them from my secure credit union 's online payment center and NOT call them every time I receive a statement! My other accounts, like XXXX XXXX and Lowe 's do not have problems doing this allocation ( although XXXX XXXX used to years ago ). Please HELP all the customers of Amazon.com with Synchrony Bank accounts who believe that they can purchase something with deferred interest! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I purchased a mattress at Macy 's who told me they would give me {$100.00} off the price if I opened a credit card. At purchase XXXX of Macy 's told me he could n't take the {$100.00} off at the register. My bill came, but not with the {$100.00} discount. Over the phone I paid for the mattress in full, less the {$100.00}. This payment was handled by XXXX of Macy 's. XXXX assured me all was fine. That took 45 minutes. 
Two weeks later I called Macy 's to check to see that my balance was {$0.00}. No, there was a {$100.00} balance on the account. I called XXXX of Macy 's who told me that he would make the adjustment. That took XXXX minutes. He told me that he would have a letter mailed to me showing a zero balance. 
About a week after that I contacted Macy 's to check my balance ; computer voice said {$0.00} balance, and I pressed the button to have a letter mailed verifying the amountToday a receive another bill from Macy 's showing a balance of {$100.00} -- the {$100.00} plus interest. I called Macy 's, spoke with XXXX and supervisor XXXX who tell me that I owe {$99.00} because someone adjusted the {$2.00} off the bill. Their math is {$100.00} + {$2.00} interest - {$2.00} in adj = {$99.00}. XXXX told me that computer would not let him take off the amount, but he assured me that he would keep trying, and would call me Mon-, Tues-, or Wednesday to confirm that all was taken care of. I have NO faith that this can be accomplished. Can someone please help me? I have superb credit and I envision Macy 's showing a late payment because of their incompetence!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2015 about Credit card () with U.S. BANCORP (FL).
Issue: Other

Complaint: I have been a loyal US Bank/Club Carlson credit card holder since XXXX '13. Initially I was attracted to this card due to the " Bonus Award Night '' that was offered along with Gold membership at the hotels. My husband and I have stayed at your properties around the world and have aligned our spending and stays with your locations. I was dismayed to hear that the best perk of the card, the one that set it apart from the competition, was being cancelled and replaced with a substandard offer. I pay my annual fee this month and your decision to cancel this benefit has forced me to question my relationship with your brand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Debt collection (Medical) with RevSolve, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection of {$200.00} showed up in XXXX XXXX on my credit history for a debt issued in XXXX XXXX. The collection agency did n't make any attempt to contact me and posted the debt directly on my credit history. On XXXX/XXXX/XXXX I asked them to provide details about the debt like what is the debt about, who do I owe the money and they have not responded to my request. 
I have XXXX credit score for several years and I recently applied for student loan that got denied because of this debt.

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 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended the University XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time, I took out two loans totaling about 44,000. At the time I did not understand the difference between subsidized and unsubsidized loans. I found out after I graduated that both of my loans were unsubsidized and totaled XXXX bucks. XXXX XXXX wanted me to pay XXXX bucks per loan six months after I graduated. I informed them that I would not be able to those payments while making XXXX bucks an hour. One of the representatives suggested that I consolidate them to get a lower payment. Little did I know that I would lose all of the benefits with these loans. Now I am locked into private loan consolidation with little to no option of lowering my payment ( I 'm doing a forbearance, but that costs me XXXX bucks every time I apply ). Now mind you that I have been paying around 400 bucks a month since XX/XX/XXXX. If I do the math, I have paid them close to 43,000 and my principal now is XXXX! Thats only XXXX going towards the principal. Talk about highway robbery. Looking at my loan information I will make my final payment on XX/XX/XXXX. By that time I would have paid XXXX for a loan that was originally XXXX. They are making XXXX of this loan! Oh and I never got the high paying XXXX job after college. All of the jobs wanted someone with 2-5 years of experiences and all of these certifications ( which cost additional money and time ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian,  XXXX  and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, Experian,  XXXX  and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.

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 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Simon’s Agency, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They sold the debt to a law firm so i could be sued for the debt, an agent at simions agency stated that the debt was no longer with them and to dispute it with the credit reporting agency 's, I did that and then simions agency validated the debt in the dispute. Now they are saying they can not talk to me about a debt they do not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Checking or savings account (Checking account) with PENTAGON FEDERAL CREDIT UNION (DC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I mobile deposited a check from   XXXX   XXXX   dealership for  XXXX . The check was deposited in my account on  XXXX / XXXX /  XXXX  . The check was drawn on   XXXX   XXXX   of   XXXX    va. The check was then withdrawn from my Pentagon federal credit union account on  XXXX / XXXX /  XXXX   for duplicate deposit. I 've contacted both banks and the issuer and keep getting the run around. The check was apparently deposited in  XXXX  accounts. My car was stolen and the check was in my vehicle glove box at the time of the theft. Please help

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 06-01-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been attempting to resolve a debt with Calvary Portfolio for a while. I do not know what this debt is for. I previously sent a few request to this debt buyer requesting they provide me with a contract or documentation bearing my signature showing what I agreed to, the terms and conditions involved, and when I entered into this alleged agreeemnt. To date this company has intentionally negated my very specific request. They provided me with a letter offering sympathy for a payment plan and one print out of what is supposed to be an alleged debt. There is no signature and the file of evidence is incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX of 2016 my wife and I purchased a house. Our mortgage was promptly transferred from our initial borrower to Ditech Financial. Our monthly mortgage payments include money that goes into an escrow account that is to be used for our property taxes twice a year. On XXXX XXXX of 2016 our first property tax payment was due. Ditech failed to make the payment from our escrow account for our property taxes. At first this went unnoticed and in XXXX my wife and I found out that our property taxes were delinquent and late fees and penalties had been assessed to our account. My wife called Ditech to get this straightened out and was told that there would be a 14 business day investigation period before Ditech would take any action whatsoever. My wife continued to call Ditech every couple of days during the investigation period to try to get updates ( due to the company 's reliability we felt that follow up was necessary ). Yesterday the investigation period was up and my wife called to see what Ditech had determined and if they were able to make our property tax payment from our escrow account. She was told that our monthly payments did n't include funds for a property tax escrow account, which is incorrect. When my wife asked to speak with a manager or someone who could help figure out our situation the customer service rep hung up the phone on her. So now we are no closer to having our property taxes paid and are still accruing late fees and penalties every additional month the payment is delinquent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation