milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted contacted this company XXXX different times to forward the information to remove my PMI insurance. They said they have sent it via XXXX and also fax and we still have not received anything!!! They wanted to verify my address ... duh!!! It is the same exact address you send my bill to every month with no problem. 

It is very apparent they do not want to remove my PMI insurance as it is an extra {$1600.00} for them a year!! XXXX Awful customer service and true lack of anyone competent in the company!!!

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX 2017 I recieved an alert from my XXXX credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (NH).
Issue: Taking out the loan or lease

Complaint: A company named Avant has discriminated against me when I applied for A personal loan, I was approved but in the end they denied me, and refused to take my income after approval. I am now being harassed by this company they are switching passwords on me as well as hacking my accounts, hacked into my daughters phone, and my XXXX sons phone is not working properly due to the hacking, also my sons school meetings have been interfered by this company .they are worried I am going to file against them for discrimination, and harassment. they have caused me XXXX by toying, harassing,, and following me everywhere I go, preventing me from checking my credit accounts, and setting up my accounts and interfering with school meeting for my XXXX son. they are in all my bank accounts including credit cards, and they interfere when I pay on my accounts. this company Avant is very criminal, and I hope, and pray they do not keep on doing this to others also .they broke into my email, and not letting me in my mail to check messages for school or my credit accounts .they need to be investigated and prosecuted for this torment they do to people its awful. they have called me at XXXX XXXX am harassing me, and sending me messages with an old lady voice, calling my daughter with A XXXX number, they sent me a note on my cell saying they get an illicit thrill spying on me, I have asked them by email to leave me alone I do n't want any loan from them as they are criminal. I received emails at XXXX. there are many bad reviews on XXXX, and XXXX, XXXX, and news paper articles on their arrest due to discrimination, and harassing others the same as they are harassing me, and causing emotional stress I pray someone from FTC can help me with these criminals, and stop them from harassing me, and my family. this has been going on for 3 months now, and its now considered torture for us. can you please help me stop these criminals. the FTC has information on Avant they have A criminal record. they are using up all my XXXX on my daughters cell phone, and I want to get that money back from these thieves. they have done so much damage to me, and interfering with my daily life schedule for 3 months now. it has been pure torture for me, and my family we all are dealing with this company Avant, my XXXX son who is homeschooled has watched me cry, and its been awful for us. Can you please help me with this criminal company so they do n't torture anyone else like they have done to me. I thank you, and hope we can work together to prosecute them for harassment, and discrimination, and emotional distress so they do not do this to anyone else. I am willing to travel to the FTC to help with this. the chief of police, and the Attorney XXXX office has been helping me on this, and sending me your way. Thank You so much, and I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried to pay on my account multiple times, they said the payment was accepted and processed and then weeks later they would not inform me that it was not processed properly but i would see my current balance was exceeded my normal monthly payment, currently i have caught up on payments but i was caused to incur late charges from them as well as my bank for returned check or overdraft which was not the case. Because of this my credit took a serious hit because they reported a serious delinquency.

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 03-06-2017 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I went to apply for a home equity loan and they said I have a second mortgage lien, I searched the county records and found the following. I have no records or accounts with OneWestBank. I want to have the note reconveyed. 


Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : XXXX XXXX XXXX XXXX XXXX XXXX : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : INDYMAC BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX XXXX DEED Recording Date : XX/XX/2010 Number of Pages : 1 Grantor : INDYMAC FED BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX 2016, I visited Chase Bank to make a withdrawal of {$500.00} from my checking account, when I got into the bank, the ATM machine I used was reading out of service. I was elated when it became available for use as I was at the top of the line and the first customer to use it. I keyed in {$500.00} and requested large bills, I received XXXX 's. I again keyed in {$500.00} and requested large bills and again I received XXXX 's. I them proceeded to keyed in {$400.00} to which I received a receipt which indicated that my transaction was denied. 
I then checked my account and realized I was debited twice for {$500.00}, once for {$400.00} and also credited for {$400.00}. ( the {$400.00} transactions were subsequently washed ). I made a call to Chase Bank about the ATM transactions and to report and file a claim, I was told by the representative that I will be credited {$800.00} in XXXX hrs. I made a call on Saturday XXXX XXXX because the refund was not processed, I was told that it takes XXXX hrs however because it is a holiday weekend the proceeds with be posted to my account on the next business day which is Tuesday XXXX XXXX. On the XXXX of XXXX my account was credited for {$400.00} only. I made a call to Chase Bank about the other {$400.00} which should have also be credited and was told that the ATM is showing that the cash was dispensed and this is the final look, if want to take it further I can file a police report. After feeling so dejected and out of pocket as I had no money to finance my monthly expenses. I went to visit the branch to see if there was anything that can be done for me, I was told that just what I did is exactly the same procedure they must follow, as the branch do not service the ATM, it is done by their back office personnel. On XXXX XXXX the amount of {$400.00} previously credited to my account was reversed. I made a call on XXXX XXXX in regards to the reversal and was told that my claim has been closed however it will be reopened this time as per my request in order that their personnel can investigate, the investigation will take 3-5 days. I made a call XXXX XXXX to inquire as to the status of my claim and was told my claim has been closed there is nothing more that Chase Bank can do for me. Please note that I have been a customer of this Bank for 8 years and never encountered a problem such as this. Now that I have I am treated with scant respect. I need Chase Bank to return my money I am requesting a full refund of {$800.00} to my account. As a result of this error I was placed in an uncomfortable position of borrowing money from my friends in order to finance my monthly obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On X/XX/2017 I went into the Chase Bank branch located at XXXX XXXX XXXX , XXXX, IN XXXX to open a Chase Ink credit card and accompanying Chase Total Business Checking account. At time of opening I provided a coupon which was mailed to me by Chase, offering a {$300.00} bonus for the opening of a Chase Total Business Checking account. When the bonus had not posted weeks later, I contacted the branch. This branch proves extremely difficult to reach, as they never answer the phone, and have no voicemail system. On the 11th attempt, my call was answered. I asked why the bonus would n't have posted, and was told that no coupon was attached to the account opening. After reaching a dead end with the banker I worked with, and the branch manager, I contacted Chase corporate. In so many words, they told me that the branch where the account was opened would have to remedy it, but that they were sure they would. I tried contacting the branch again, to no avail. A few days later, my personal banker assigned to me by Chase called me to check in and ask if there was anything I need assistance with. I told him about this issue I was having with the bonus not posting, and he promised to look into it. After doing some research, he called me back and informed me that he regrettably was unable to do anything on his end. At this point I escalated the dispute with Chase corporate, and received a call back from XXXX. She promised to look into the matter and to contact the branch on my behalf. After a few calls back and forth with XXXX, she informed me on XXXX that the branch was refusing the honor the coupon, claiming that I did not produce the coupon at time of opening, which is not accurate. I have a photo of the mailer I received and which I provided at time of account opening. The mailer clearly states the coupon code and bonus amount. I would be happy to email a copy of this photo to all concerned parties.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was told by my school ( XXXX ) that I could only borrow from XXXX XXXX and I was not given other loan options. I understood that the XXXX XXXX loan I took out started accumulating interest from the time of dispersal, but I was under the impression that subsidized loans had the interest paid by the government until I entered repayment. I paid towards the full balances of the loans, principal and capitalized interest for 3 years before contacting Navient ( formerly XXXX XXXX ), and asked why the balances on my loans were more now then when I started. They told me they simply " overlooked '' applying the government subsidy payments and they would correct the problem so that form " now on '' my payments would be applied correctly. In light of recent news, it appears I am not alone in this issue and I am wondering just how much of my hard earned money Navient has cheated me out of? I feel they should be accountable for their unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I purchased a XXXX XXXX XXXX through XXXX XXXX in XXXX, TX on XX/XX/XXXX.

The amount to paid off is {$18.00}, XXXX  on the vehicle. I voluntarily gave the vehicle back on XX/XX/XXXX. XXXX is now known as Bridgecrest. Non of may payments were ever reported to any of the 3 major credit bureau indicating that I had an existing car loan.

Additionally, when I fell behind three payments in XX/XX/XXXX harassed me and threaten to repossess the vehicle unless I sign document s to put payments on the back-end and I would still be charged the interest on it daily. I feel that I was taken advantage of through predatory lending.

Also, the language in the contract was one-sided. It stated that The arbitration agreement itself contains a clause that states, in relevant part, Unless you reject this Agreement, this Agreement provides that upon your or our election, all disputes between you and us will be resolved by BINDING ARBITRATION.

If you or we elect arbitration, you will be GIVING UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under the Contract ( except for individual claims that may be taken to small claims court ).

Your rights will be determined by a NEUTRAL ARBITRATOR AND NOT by a JUDGE OR JURY

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 10-05-2016 about Bank account or service (Checking account) with KEYCORP ().
Issue: Making/receiving payments, sending money

Complaint: I have a Checking Account at Key bank, which has been open for several years.For the past 5 weeks I have not been able to transfer funds or pay bills on Online Banking. I have had XXXX lengthy conversations with Customer Service and Online Banking. Not only has this problem not been resolved, but no attempt has been made to enable me to transfer my funds or to find an alternate solution. I do NOT understand how it is legal for the bank to deny me access to TRANSFER FUNDS from MY OWN account.I do not reside in the US and need to transfer money, as I have been doing for 5 years, from my Online Banking checking account to a foreign exchange account. This is the money I live on. My credit card payment is due shortly and I need to transfer the funds to pay this and also to pay for my everyday expenses. I find this situation untenable. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.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 non-monetary relief
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previously deleted inquiries have reappeared on my credit report without any prior written notice that they would be added, this is a violation of FRCA 611, I want all inquiries deleted again.

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 10/16/2017 about Mortgage (Conventional home mortgage) with WATERSTONE MORTGAGE CORPORATION (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Told them twice to put me on do not call list but they keep calling.

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 08/16/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Our current mortgage is with Chase, at an interest rate of 8.249 % down from 9.99 % after finally getting them to modify the mortgage a few years ago. We are underwater on our mortgage but have never been late or behind on the payments and have been with Chase since 2008. Chase is unwilling to modify, or reduce our rate to the current national rate. My credit score is XXXX and my wife 's is XXXX. We do n't dispute the outstanding balance, we feel that Chase is taking advantage of the situation and will not work with us to lower the rate. Due to the fact that the mortgage is held by Chase, not XXXX XXXX or XXXX XXXX, we do not qualify for the HARP program. All we are looking to do is to be able to refinance at the current rate. If seems that because we have always made the payments on time and try to do the right thing, we a being taken advantage by Chase for being a responsible citizen. Again, all we are looking to do is lower our interest rate, I hope you can help our situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I am emailing you in regards to our mortgage, it has been bought out several times, the current company is called Ditech. We originally purchased our home XX/XX/XXXX, with a 30 YEAR FIXED RATE.. I recently got on Ditechs online customer website. Our mortgage maturity date is listed as the year XXXX!! I have called the company several times and have either not got a returned phone call or " well this is how it is figured ''. Anyone can look an see that there is no possible way this is correct! We have lived here for almost 14 years, the maturity date should be XX/XX/XXXX. Somehow 17 years has been added to the loan and I can not get no one to look into the matter or a reasonable explanation. Yes, we had XXXX modification BUT they dropped the interest rate from 6.25 to 4 percent ... I also, want copies of all documents in my mortgage file, am I legally allowed access to this? If nothing is done this will have us paying over XXXX $ for a XXXX $ home. Any help would be greatly appreciated!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is an account that is listed on my credit report for XXXX, that shows up as a derogatory account. This account was closed more than 8 1/2 years ago, and all of the credit reporting agencies still have it listed, and refuse to take it off. All it says on the report now is " Dispoute resolved, customer disagrees '' but I do not consider the complaint resolved

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 01/22/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Struggling to pay mortgage

Complaint: I own a home I tried to sell XX/XX/XXXX. No offers as it is underwater since XX/XX/XXXX. Realtor, then said short sale. I agreed but had to not make any mortgage payments for 2-3 mo. done. 1st Offer came in XXXX. I, realtor, lawyer did everything & beyond what SPS required. They have stalled, lied claiming they do n't have this document or that, yet they did and do. They have continued this from XX/XX/XXXX to XX/XX/XXXX when they finally approved a short sale that expired XX/XX/XXXX. THEY DID NOT APPROVE THE 1st or 2nd ( which is still on table as of XX/XX/XXXX ) OFFERS YET. The 1ST buyer backed out a day before SPS sent out the previous referenced letter. I fired that realtor due to his not informing me of things, let alone new damage done to my home during the hurricanes that summer. ( I live 3HRS inland & can not drive there willy nilly to check on my home ) Hired a new realtor ( XX/XX/XXXX ) and within a few weeks a new offer on my home @ substantially less now due to the damage to my home, hole in roof/ceiling etc. Again, SPS had XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to approve the offer! Nothing, In XX/XX/XXXX I began getting duplicate letters from SPS as if I just began this short sale process all over from the beginning. I am going to lose this 2nd offer, my home is getting more and more damaged as SPS keeps fooling around with irresponsible requests for documents that they indeed do have. Please XXXX Select Portfolio Servicing Inc. You will see exactly what the problems I am having.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation