milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: I was told if I make 3 month of a set payment I would be qualified for a modification loan. I had to find this out by just check the site NO ONE every call me. I got approved and the new payment stat  XXXX   XXXX  but the catch is they never told me anything till I found it on the email side of the loan they went from 20 years to 40 years if I new that 3 months ago I would not have agreed to that I can get a 15 year loan with  tad higher   interes ts still less that what they want. I FEEL this is a preditary loan I als have has 3 people taking pics from the road and I feel this violated my privacy what if my wife was changing or my minor child changing and there cameras got pic that vilol ates my wife privacy also.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Consumer Loan (Title loan) with Select Management Resources, LLC (NH).
Issue: Charged fees or interest I didn't expect

Complaint: On XX/XX/2016 I took out a title loan on my car for XXXX . I was suppose to repay the loan by XX/XX/XXXX. I lost my job during that time and my apartment. I did n't get to pay the loan on time. I recently got a new job and contacted Loan max to start taking care of the loan but the minimum payment they need me from is basically the entire loan amount. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Greentree Mortgage has denied me a loan modification reducing my interest rate, without going thru the proper review process. I submitted their form on XXXX XXXX, theuY denied the modification with a letter dated XXXX XXXX, never asking for any documentation. The letter sent to me on XXXX XXXX stated that all documentation was complete! This is a loan shark operation, my mortgage was sold to them by XXXX XXXX XXXX 2 years ago. I have been modified on other loans based on reduced income, I just think Grrentree operates on a shady mode!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Vehicle loan or lease (Loan) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I called XXXX XXXX XXXX on or about XXXX XXXX to inquire if they were able to or willing to finance vehicles with a salvage title ( the salvage title status with THE first subject that I brought up ). I was told " yes '' by the representative on the phone and I went through the steps to become a credit union member and applied for the auto loan on the same phone call ( the vehicle 's VIN number was given to the rep. for XXXX pricing to be obtained ). I was approved for the full asking price on the spot per the representative and received instructions on how to fund my loan for said salvage title vehicle. I moved forward a week later ( after some due diligence on the status of the vehicle ) and opted to have checks for the full amount of the vehicle purchase, as well as promissory note sent overnight to my address. I later signed and returned one of the 2 promissory notes enclosed ( one copy for my files ) and brought the check to the dealer to purchase the car but the check was not honored by the bank ( XXXX ). I called XXXX to find out if I missed a step or if the check was endorsed incorrectly and I was told that they could only finance 50 % of the vehicle 's XXXX value but with my credit score they were not able to do that amount. I have asked for an upper level representative to call me but no one has called me to resolve this issue. I have already taken possesion of the vehicle and as per the XXXX member website this loan remains under my name and my first payment was due on XXXX XXXX. I have included the screen shot where I HAVE PAID THE FIRST PAYMENT ON THIS LOAN ALTHOUGH THEY HAVE REFUSED TO FUND IT. I 'm not sure what else to do. I mentioned to the rep I had been very forthcoming on the first phone call regarding the this vehicle 's salvage title and never kept it a secret.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX/XXXX Closed : XX/XX/XXXX + {$730.00} Closed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed : XX/XX/XXXX + {$680.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$640.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - {$33000.00} Closed XXXX XXXX Last reported : XX/XX/XXXX -  {$610.00} XXXX XXXX - {$430.00} Closed XXXX XXXX CREDIT CARD - {$1200.00} Closed XXXX XXXX- XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1300.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$410.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX +  {$54.00} Needs Attention XXXX, XXXX XXXX  SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Transaction issue

Complaint: I authorized XXXX to auto-charge my account for {$60.00} when i was abroad and gave them Chase credit card info. My XXXX phone number is XXXX and XXXX account is XXXX. 
They charged my account {$300.00}. I called and they said it was for a " line transfer charge ''. At no point when I was setting up my account was I informed of a " line transfer charge '' by XXXX. I would like the {$240.00} back since at no point at all was I told of this charge, and it was charged to my credit card without my approval. Since XXXX says all calls are recorded, they should go back and check their call logs and show if at any point I was told about this {$240.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Account opening, closing, or management

Complaint: HSBC bank has not credited our account for {$750.00} per their offer which is long overdue now. We opened our premier account with HSBC Bank with {$100000.00} and had Direct deposit of more than XXXX SS checks in our account as required by the HSBC Bank to qualify for a credit of {$750.00}. They are giving us run around and wasting our time and efforts without any action. They keep on avoiding to honor their commitment for which we have documentation. Please help us out, collect {$750.00} as per original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I have been an American Express card member since 1981, and in that time I have never had cause to question the level of service or integrity of the company. In XX/XX/XXXX, I purchased formal wear from the XXXX internet merchant XXXX, which promptly cancelled XXXX of XXXX orders. I immediately cancelled the second order, because the purchase was time-sensitive. I also called American Express to demand a chargeback. American Express claims that I owe {$510.00} for XXXX dresses ( XXXX orders ) I do not have in my possession. 
In XX/XX/XXXX, XXXX agreed to withdraw the claim for {$100.00} for XXXX dress, and refunded the money. Recently, the dispute resolution division of American Express restored this amount to my credit card debt. I am pretty sure they do n't read any of the documents they ask customers to upload when disputing a bill ( or even correspondence generated by American Express ). 
I have been petitioning customer service and billing inquiry since XX/XX/XXXX without success, regarding the second package ( cancelled by me ), a package shipped XXXX. The dispute resolution department is located overseas, and is not accessible by phone. Billing Inquiry says they communicate with dispute resolution by e-mail. It is easy to see how nuances of a case get lost, though mine is n't that complicated. 
Here are the relevant facts : 1 ) Both orders were canceled, one by XXXX, the other by me. 
a ) XXXX canceled the order on XX/XX/XXXX. ( I have a screen shot of this ). 
2 ) The packages were sent, anyway. 
3 ) Both were delivered without my signature. 
4 ) I returned XXXX package unopened to XXXX, which sent the package on to Kansas. XXXX agreed to refund my {$100.00}. However, when I returned the XXXX package unopened to XXXX -- the only way you can 'refuse delivery ' when you 're not home and they drop it off without your signature, the merchant was not so cooperative. 
5 ) XXXX tried to contact the seller for a month 6 ) Finally, the seller sent XXXX an order to 'destroy ' ( rather than authorization to return ) the package. 
7 ) I have supplied documents showing that XXXX picked up the unopened package. See line item XXXX. 
8 ) Documents showing that XXXX tried to contact the seller in XXXX. 
9 ) A document in XXXX and English from the seller authorizing XXXX to destroy this package. 
10 ) A new document of correspondence between myself and XXXX indicating that a ) the seller wo n't correspond with them. b ) that XXXX is not involved any longer in this decision making process, only American Express. 
I can only conclude that American Express is purposely making it difficult for customers to seek redress. 
I want a refund of {$510.00} and no damage to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Bank account or service (Other bank product/service) with FIRST HAWAIIAN, INC. (HI).
Issue: Deposits and withdrawals

Complaint: I was frauded by a XXXX. they called me to loan me money. We went back-and-forth negotiating amount, percentage and terms. They wanted to deposit into my personal checking account through my mobile app. I checked with my bank first and they said that if there 's anything suspicious they would send me a code by text to my phone number. of course I could always change my password. so they make the deposit I 'm not knowing in what fashion and it shows up in my account. The bank accounted for the deposit. The bank did not inform me that it was just photocopies of these checks. Photocopies of the front and back so the signature could be seen. XXXX made two deposits in this way in the middle the night and they showed up being accounted for in my personal checking account. again I was ignorant of the photocopy deposits. I was to wire back money to an account manager from XXXX which in their words was proving my checking account and identity. when my checking account was accounting for the deposits I 'm thinking well this could be legit. Five days after the first deposit was made, the first check bounced. The bank called me to inform me so I go down to close the account and I actually paid for the debit that was incurred by the bounced check from XXXX. I informed the manager which was the second check from XXXX. She initially said she of course would put a stop payment on that check. she then realized I paid the transaction by debit card and said that she could not stop payment. So firstly my complaint is that the bank was excepting an accounting for photo copies of checks in the middle of the night with forged signatures. it was very unusual actually never did I deposit checks through the mobile app into my account. The checks were made out to me and then forged with a signature on the back of my name. Obviously it was not my signature. I closed the account before noon on XX/XX/XXXX, The checks were forged, photocopies, and known fraudulent and the back still cleared the second check. thus it bounced. I do n't care if it was the transaction initiated by debit card she knew the company was fraudulent she knew the check was forged and she still cleared it. First Hawaiian Bank did not have basic security to protect me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (MO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Without knowing how close our loan was to payoff, we sent a payment this month, which my bank told me it was putting back into my account, saying " it was returned to our processing center due to the payee 's refusal to accept the payment. '' We assumed it was because the amount we sent was over the owed amount. We never saw a statement for XX/XX/XXXX. 

I called Citizens One regarding my account, and they told me that the final payment of the loan has to be sent to a different address. He told me he couldn't take the late fee off without the payment being up to day ( which was already more than the amount we had sent ). He told me he couldn't take my payment, that he'd have to send me to the automated system. I went back through the automated system, and it didn't recognize my account number. I tried to create a username on their website, and it wouldn't recognize my account number. 

I have never heard of a loan company needing the last payment sent to a different address. My last auto loan didn't have that. My wife 's school loans through XXXX XXXX  weren't that ridiculous. All I can figure is that they want to squeeze every little % and late fee they can from us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I unfortunately had to file for Chapter XXXX protection XX/XX/XXXX. I happily met all my financial obligations and my Bankruptcy was discharged XXXX. I called my lender ( Seterus ) XX/XX/XXXX and provided all requested paperwork. Seterus informed me their " cure '' period to release my account from BK was 90-120 days. It has now been 196 days and my account still shows that it 's in " BK '' because they had a software upgrade and they are months behind. My house in under contract to be sold. Seterus will not provide a payoff statement because according to them ... .I 'm still in BK. I have informed them that my house is scheduled to close next week and all they can tell me is that it will be another 60 days before they can provide a payoff and let my house close. I will now be in breach of contract and I 'm being held hostage by Seterus. Why am I paying for their " system upgrade ''? How is this fair?? I called back XX/XX/XXXX and told them I would be selling my house and I 'd like to make sure everything shows " OK '' in their system. I was told, " your bankruptcy was finalized and you will be fine ''. Please tell me my rights as a consumer. Can Seterus hold me hostage like this??

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please  correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my family into our 1st Brand new home. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: 1. All of the monthly payments that I make to Navient is applied 100 % to interest and 0 % to principal. So the loan balance amount never goes down but only increased with time. 2. I work as a XXXX XXXX XXXX for XXXX XXXX XXXX. I have been working for the past 8 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called Navient to apply for public service loan forgiveness program several times in the last 7 years and was told that I can not apply for it, because my loan is not qualifying type of loan.
3. Navient refused to answer my questions about above 2 issues. 4. No matter how many payments I make, loan balance is not going down. I have been making payments for 16 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (I do not know) with Machol & Johannes, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This dept collector Organization acquired a judgment order from XXXX court Colorado - stating ... Failure to appear judgment in favor of this debt collector- from what the dept collection organization provided for them that I owed someplace around {$2000.00} plus {$3000.00} in extra fees ... This debt collector organization also said that they had served me a notice to appear ... And when I asked him to give me a description of who they served it was totally not me ... They describe the person they served as XXXX, and approximately XXXX years old in which I am neither - not even close ... They said this judgment order was legal document to my bank - XXXX XXXX - The bank verified it been a order then put a freeze on my bank account & within a few days {$5000.00} was taken out of my account ... and within one week the money was completely gone ... I called the bank and all they could tell me is to call the deck collector in which they Gave me the number, in which I called only to get a answer machine. When the money was lifted out of my account by the collector ... Then I received a letter notifying me of the court order and that I still owed a XXXX totaling around XXXX XXXX XXXX XXXX dollars. After calling the dept collector to get the information on the reasons for this debt they described at that time they served A gentleman at XXXX years of age -approximately ... I said well that was n't me and they said well that 's the last place we have any information on you and for the courts that 's good enough ... I asked him who I supposedly owed the money to make stated XXXX ... I have never done any business with the XXXX. So as it stands my money is gone ... I was never was served to appear in court ... And I have no documents for this money being loaned to me or whatever to date ... I 've tried to get the information on it and the only thing they can say is that all information provided over the phone will be used against me ... so I 'm reluctant to give them any information since they seem to me to be crooks - not to be trusted ... My bank says that they had a legal order ... So how do I find out what this original {$2000.00} this debt collection organization they said I owed is all about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Way back in 1996 I went to XXXX for XXXX semester. The school was a XXXX minute car ride and I had to withdrawal. At that time the I owed approximately {$6000.00} dollars in student loan debt. Since then my loan amount has been sold and transferred to different loan " servicing '' companies and the amount has ballooned to {$29000.00}. I feel that I am the victim of predatory lending practices and I need the help of Consumer Financial Protection Bureau. I would like to be able to pay back and finally be rid of this obligation but I wont be able to afford this very high balance. Thanks for your help.

Company response to consumer: Closed with explanation