milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Credit decision / Underwriting

Complaint: This complaint is about the Loan Servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLCOn XXXX/XXXX/XXXX, before the Tenant Protection Act expired on XXXX/XXXX/XXXX, we signed a residential lease with the owner of the property located at XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, FL XXXX, for XXXX year which was exended until XXXX/XXXX/XXXX, because the XXXX association took longer to get us approved. The property sold and the purchaser was the plaintiff/bank who is NOT going to occupy the property. We believe we are covered under the TPA because the lease was singed before the act expired. However, the attorney IRA XXXX XXXX representing the Loan Servicer RUSHMORE, is completely ignoring this act and does not want to honor the terms of the lease to allows to stay in the property until XXXX/XXXX/XXXX. He wants us out by XXXX/XXXX/XXXX, in two weeks. 

My questions to you are : Are we covered under this act since we signed the lease before the expiration of the act? What can we do to force them to honor our lease? 
I will be XXXX years old in XXXX XXXX, and need the extra time to find another placeI will appreciate your prompt response to this email and please forward to the the proper enitySincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Other fee

Complaint: Hello CFPB, My name is XXXX and I have a credit card with JP Morgan Chase ( Account number : XXXX ). I paid my entire credit card balance off on the XX/XX/XXXX statement due date of XX/XX/XXXX. JP Morgan Chase still charged me {$68.00} in interest on XX/XX/XXXX. I called JP Morgan Chase Credit Card customer service and spoke with a young lady who was very friendly. She acknowledged I had paid my entire credit card balance in full by the due date, and should not have been charged interest when the credit card is paid in full by the statement date. When I asked her to give me the mathematical breakdown of my account balance to explain why I was charged {$68.00}, she gave me a vague explanation full of obfuscation. While she was nice I realized she would be no help in resolving this matter. Please have JP Morgan Chase refund the {$68.00} they unfairly charged my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: on XX/XX/18 BANK OF AMERICA, stole {$150.00} out of my checking account without my knowledge nor authorization. It says for recovery fee for a forced closed account. BANK OF AMERICA is referring to an account in my name that I requested closed over a year now because of fraud on that account. I spoke with many BOA agents and advised them of this, BOA and all of its agents refused to close the account. Charges that were not mine continued to hit that account and eventually it was overdrawn, and BOA forced closed it. Again, I demanded that account closed numerous times, I've filed complaints against BOA to close that account and remove the unauthorized charges from my name and not BOA nor its agents did so. Now BOA has the audacity to steal my currency!

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 01-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Application, originator, mortgage broker

Complaint: We are trying to split a parcel of land located in XXXX XXXX, Minnesota. We have been approved by XXXX XXXX to subdivide the lot and filed new deeds with the county, but the entire parcel is still being held for collateral by Nationstar Mortgage. The mortgagee and our neighbor is XXXX XXXX. He has given my husband and I permission to submit paperwork on his behalf. 
We had to have an appraisal done for Nationstar as part of the application for land release from them. XXXX XXXX 's parcel, after the split, is worth {$190000.00}. His loan balance is approximately {$20000.00}. Yet Nationstar is requiring he pay {$2900.00}, to be applied to principal, in order to release the property. 
We are just wondering if, per the statement pertaining to the OVL formula, if this is fair since the appraised value of the property by far exceeds the current principal balance. 
I believe this is the clause in the Partial Release Application pertaining to our situation : If monies are needed to secure the value of the loan, the borrower will be contacted and advised of the amount. This amount must be paid and applied to the mortgage loan as a principal payment reducing the outstanding balance prior to the execution of the partial release, or, might be used for property improvements. The resulting loan to combined value ( CLTV ) ratio after the release is completed can not exceed the C LTV before the release. Nationstar Mortgage 's value in the property must be secured in order to process a partial release. Any reduction in value can not exceed the principal payment received.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

The company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original binding contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: I called JP Morgan Chase on XX/XX/2017 asking to look into some weird spending activity at an ATM. The amount of {$82.00} was withdrawn 4 times, on a day I know I did not go to an ATM, and I would never withdraw the same amount 4 times. After looking into it with an agent, spending a long time on the phone, and probably recorded, she reported that that Non Chase ATM was in a location I could not have been at. So I began to look into other Non Chase ATM withdrawals I could not see the location of and discovered, while on the phone with her, that I had a total of over {$1100.00} fraudulent Non Chase ATM withdrawals. A clone card was made and somehow they were making withdrawals ( boggles my mind ). There were XXXX in total, ranging from XX/XX/2017 to XX/XX/2017 I reported the claim the very next day, or maybe even same day on XX/XX/2017, with a form I have a copy of. I was forwarded the amount taken fraudulently out of my account. Then on XX/XX/2017 I was sent notice from Chase, saying that my claims were not valid and the money was taken back out of my account. I called the claims line and was told, not because the claim and fraud was n't true, but because I had checked my account at a time earlier and had not reported the fraud ( that I did not see ) tat I was at fault. I had not reported it because I did not know it was fraudulent because the description only says " Non Chase ATM withdrawal ''. I make a lot of Non Chase ATM withdrawals, and may have only been checking for a particular transaction, not noticing the fraud. I actually only realized and became aware of the fraud on the phone with the agent, and if the call was taped there is proof of that, on the call. After I found out one withdrawal was at one location, I had her check another and another. Remember this is only a matter of 7 days from beginning activity to reporting it. When I called I was told that I could not appeal and that Chase could not be responsible because I had checked my account. I told them I did not realize there had been fraudulent activity till I called in. I have been told this a violation of Reg E ( 1005.6 ), the Electronic Funds Transfer Act, which limits liability to consumer if you report it within 2 days of **learning of the fraud**. In other words, not since it happened. As I said the " Learning '' happened while I was on the phone to them, and it is on tape. Quite obviously the fraud is true, the money was taken out of my account, and I did not know about it till I was on the phone to Chase. Why am I being penalized? Is there anything you can do to help, or anyone I can talk to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I began making payments for my school loans with Navient per my Income Based Repayment plan. I successfully paid off XXXX ( 2017 ) payments, after numerous attempts to contact Navient asking them to please postpone payments because I knew I would not be able to make that months payment. 

I made the decision to consolidate all of my loans. However, I never filed for a forbearance. What I did file for was a consolidation with an income-based repayment plan ( public service loan forgiveness ). Unfortunately, I have not received any documentation stating when the consolidation when through. According to what I see online today ( XX/XX/2017 ), I see all of my loans consolidated, but my next payment is {$990.00} versus the {$180.00}. 

The consolidation went through, but not the income-based repayment plan ( public service loan forgiveness ). I have tried to contact Navient on multiple occasions, however their hours of operation do not allow me to speak with someone since I am in Hawai'i and they are on the east coast. 

I am at wits end and unsure of what to do. I am submitting a fax to Navient, but most likely it will fall of blind eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On my addresses listed there is an address from XXXX Texas. I have never lived there, which may be someone using my credit for all these inquiry 's

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Since the beginning we have had nothing but trouble with this company, about two years now, they continually raise our monthly payments and upon inquiry as why they were going up we were told it is due to a missed payment and it distributes that months payment across a 12 month period, which would be fine if we were actually behind! Additionally, every month we try to make a payment online it simply says that a payment can not be made to an unknown error, we have tried several different browsers and computer still did not work, forcing us to make a payment through their telecommunication and proceeding to charge us a penalty of {$40.00} or so each month. However, what brings me here today is another issue we continually have with them is that, this month we were actually able to submit a payment online and recived a statement stating that the payment was received and successful on the XXXX however today we received an email stating that the payment failed and they have charged us a {$15.00} failure fee, an additionally {$30.00} processing fee or something, and now a late payment. When we called the mortgage company to make the payment again because a website can not refund these fees as I feel we are entitled to a refund due to the fact that, we received a successful payment statement and they waited XXXX days to contact us which made our payment late, we now have to pay the telerep fee, and upon demanding a manager several times the representative refused to let us to talk to XXXX. This company is a crook! and upon looking at the XXXX reviews it appears that many people has had the same issues. 
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 explanation
Consumer complaint received 01-10-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I am cosigner for a checking account for my nephew who is a college student. 
His account went into negative on XX/XX/XXXX. 
From then until XX/XX/XXXX, PNC has charged the account 25 times with {$36.00} penalties, plus several overdraft fees of {$7.00} each. 
There are several ACH XXXX XXXX Payments & reversal in between. All the penalties are associated with these XXXX payments/reversals. Throughout this period the account is negative as there are no deposits until they withdrew money from my personal checking account for {$1200.00} which is linked I believe to my nephew/my cosign account. 

What concerned me PNC is involved in fradulent activity in dealing with my nephew ( college student ) account. Why it waited 3 weeks before with drawing money from my account, when they could do it 3 weeks earlier. In the mean time they applied penalties of {$950.00} to this college student account. I am concerned that if I had higher balance in my personal account, PNC would have continued their fradulent penalty activity several more days/weeks. Fortunately my balance in my personal account at that debit time was {$1200.00}. 

I have brought this to PNC 's attention overphone and inperson, as well as speaking with their consumer complaints department. All their answers are basically putting the blame on the customer. I understand the customer is responsible, but PNC used it as an excuse to continue charging the college student many continuous penalties ( 25 times in two weeks! ). Also concerned is the other party XXXX business practice in this case. All the transaction involve in this case XXXX payments. If there are rejection of payments on a regular basis, how XXXX is able to submit many of these transactions for several more weeks daily. 

Looks like PNC is trying to make money on innocent, vulnerable college kids through fradulent business practices. Looks like they have started this practice in XX/XX/XXXX. Earlier, I did n't see this activity. Something changed at PNC. 

Hope some one at federal government addresses this fradulent activity from PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NJ).
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: Payment was due on my Discover card. I had n't used it in await, so I forgot that I had sign up for paperless statements. I return from vacation to learn that payment was past due. Contacted them and was able to drop late fee. 
A month later I apply for a mortgage, I find out this late payment is on my credit report and is going to affecting my loan rate. I contact them to have them remove it from my credit report, and was told they could n't. 
This is a 30 yr mortgage. I feel this is very unfair. 
I do n't always make my payments on time. 
I paid off two mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I reached out to this company several times in hopes of trying to resolve this matter. I was sold a lemon vehicle of which I was trying to pay the car payment and multiple repairs totaling over 15,000.00. In  XXXX, I called the company to advise of payment being sent and was advised by the representative not to send payment, in fact the company was not longer collecting on the vehicle as it was too old and had no value. I was advised someone from collections will be in touch with me to further discuss payoff and get me my title and that never happened. upon calling them back in XX/XX/XXXX and again in XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX I was advised the due to the original creditor going bankrupt they could no longer collect on this item and the {$8000.00} ( + ) still owed was expunged and I would receive a letter and title in the mail by the end of XXXX well that never happened. now when I call them I get the run around and nobody calls me back. I reached out to them several times even more recently because when I disputed this item several times on my credit reports with XXXX, XXXX, and XXXX they went in and now said the item in collections for {$14000.00} ( + ) dollars. How can they now want so much money for a 14 year old vehicle and where did they get these figures from. I never rec 'd anything indicating I owed them again since the original conversation in XXXX nor did they send any collection letters or contact me and none of my information has changed. they also are reporting repossession and redeemed and that is not accurate. I paid the vehicle before it every got to that status, not to mention this being on my reports and it is not accurate at all. I tried everything I know to get this resolved and to date I have been unsuccessful on my own. I have all the repair documents and the financing documents for the vehicle still and never rec 'd anything from them releasing me besides verbal authorization. Lastly for over 7 years I was paying for a vehicle and being robbed as the monies were not being credited appropriately as per the terms and conditions of the contract. When I went back to the original dealer on this issue I was advised they closed down for faulty contacts and swindling people. When I contacted the financing company I got the same information and they then went bankrupt after receiving bail out money from government. Then TD auto finance purchased the account and pretty much started my payments all over again and increased my balances. which should be considered unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: Re the Wells Fargo bogus account issues : I found my name on the " unclaimed money '' list. I had closed accounts at Wells Fargo some time before, and so far as I knew, got all my money. The money I got back through this apparently was from Wells Fargo. They had made no effort to contact me about this money, which should have been easy, since I have not moved. I suspect this was money that had been put in XXXX of the bogus accounts and then declared unclaimed. I suggest that there should be some outreach related to this issue so others who have or have had money at Wells Fargo check these lists in case this was a widespread practice. I think this should be part of your investigation ( or whoever is investigating Wells Fargo ), as I have not seen it mentioned anywhere.

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 06/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a settlement amount for Portfolio Recovery Associates for a XXXX debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XXXX, my balance on my settlement would have been {$110.00}. In XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. ().
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Someone get credit cad using my SSN from chase bank My SSN NO : XXXX DOB : XX/XX/XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only one account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just one and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Equifax continues to report it twice and with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contact Gm Financial to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them

Company response to consumer: Closed with explanation