milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Mortgage (Other mortgage) with RESMAC, INC. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Loan office has some sort of issue with questions about my loan. Every time I ask details I get unclear answers and push to another time. If I email him my questions about the extra payment plan agreed to, I receive vague answers in red & no contact info for said XXXX party servicer ( XXXX ). XXXX who services my mortgage knows nothing about extra payment plan agreed to. My original mortgage is with Resmac, my servicer is XXXX, the third party whom they have the agreement with is XXXX. It 's a whirlwind of confusion. XXXX XXXX XXXX a XXXX Resmac

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 08/19/2015 about Debt collection (Non-federal student loan) with Law Offices of Gary H. Kreppel P.C. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX I defaulted on my student loan. I went to court with the company that was seeking repayment and told them that I was willing to work out a deal to repay my loan. The company decided not to pursue the debt at they missed court dates. The case was dismissed in court. 

During about the same time but before the original case was dismissed another company came and filled suit at the same court house for the same debt. I had no idea that this company filed a civil complaint. The paper work i received I believed to be from the original company. I was being sued at the same court house for the same debt at the same time.This all happened in XXXX. 

Finally when I realized this it was XXXX. I filed a motion to dismiss the case which the judge granted but also said that this case would start from square XXXX. 

I do not believe this second company owns the debt and I should be protected from this type of practice debt collection practice. I have not been able to find an attorney to take the case and have been looking for months. 

I can email more details about my complaint including documents for you to better understand.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank Of America received my Impounds bill on XX/XX/XXXX, and held onto the money in my account because they were not delinquent till XX/XX/XXXX - I sold the loan, and closed escrow on XX/XX/XXXX, they mailed me the balance in my impound account but failed to tell me they did n't pay my impounds, nor did I received a due bill from county accesor 's office until today, showing a late fee of {$160.00}. Bank of America claims they tried to pay it on XX/XX/XXXX and it was rejected ( Who pays your taxes once the loan 's been paid off -They should of paid it once it came due? ), then they said they mailed me a notification of what was paid off on XX/XX/XXXX - I never received anything, ( Taxes were delinquent after XXXX? ) I 've called twice today-XX/XX/2017, and spoke with Supervisor, XXXX, and another associate XXXX after waiting over 39minutes on the phone they refuse to pay the late fee 's saying the account is closed, and it was my responsibility- I have no problems paying my bills if I know they 're due, but since my bill was due XX/XX/XXXX and escrow did n't close till XXXX - I was under the impression they paid the bill they received for me. Ridiculous.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Settlement process and costs

Complaint: We began with, XX/XX/XXXX, US BANK in XXXX XXXX CA to complete a refinance ( advertised loan at 3.5 % and no fees loan amount at {$1900.00} a month ) of our home mortgage, since our mortgage with XXXX increased to {$2800.00} a month formerly of XXXX XXXX XXXX who assigned/sold our original loan for processing to XXXX XXXX, w/o our consent. Finally, in XX/XX/XXXX, loan processed and our mortgage note on a monthly Basis became {$3200.00}. We have contested this, but to no avail ; they refused to lower the note as previously agreed toGFE ( Good Faith Estimate ), XX/XX/XXXX, loan amount of {$420.00}, XXXX @ {$2100.00}, 4.375 % 30 year fixed monthly mortgage note. We do n't understand how they can ad additional charges to our loan and expect that we pay this amount on a monthly basis for 30 yrs. How can we get US Bank to honor their commitment to us at the Original GFE proposed to us. This is not everything, but basically this the problem and we have met with the loan officer as well as Bank Mgr. of the XXXX XXXX branch asking that they work with us but they have refused to meet with us once again and/or reconsider our request to refinance at a lower mortgage. Please Help, as consumers Banks ca n't be allowed to deceive and/or provide documents at their discretion to arbitrarily disguise or changed the terms of a loan. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2017 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: I took out a loan in 2014 with NetCredit for {$2600.00}. I paid on the loan for 40 payments totaling in excess of $ XXXX.I ran into an inability to pay and wanted to work with Net Credit to settle the loan. I even hired a firm to assist. Net Credit was not willing to work with the firm nor myself and an agreement was never reached. My fear is that they are holding back wanting to work with me while late fees and interest continue to accrue at an alarming rate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within XXXX business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (CA).
Issue: Trouble during payment process

Complaint: In 2012 I qualified for a HAMP loan that was administered by CitiMortgage. Among many things the paperwork read that I could qualify for what was called " Pay for Success '' incentive. If I my mortgage current each year I would receive {$1000.00} towards my principle reduction, then on year 6 another {$5000.00} for a total of {$10000.00}. This incentive is mentioned everywhere including The Making Home Affordable Handbook. 

Citi did reduce any balance or credit me with anything. I reviewed my statements. Additionally I contacted them and they said they did and sent me a payment report that had different numbers from my monthly statements, but those did not add up to any {$5000.00} principle reduction. 

Last year my loan was sold to XXXX XXXX ( XXXX ) and they told me that any incentives must be paid by Citimortage since they were incentivized by the Gov't, but the year 6 incentive would be processed by them. 

I called XXXX Making Home Affordable but they could not help me. 
I hope I am mistaken and they followed through on their committeemen, but if they didn't there maybe others out there who need help as well. 

Thank you for your 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 08/14/2015 about Mortgage (Conventional fixed mortgage) with BOK FINANCIAL CORP (NM).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX has made it their Standard Operating Procedure/practice to place borrower 's partial payments in 'suspense ' ( i.e. delay application to the borrower 's obligation ). I just spoke ( XXXX/XXXX/15, XXXX XXXX Mtn ) with their Representative that confirms this both specific to my account and broader to all XXXX accounts. 
XXXX XXXX, 2015 I wrote to XXXX stating my instructions for partial ( and overpayment ) payments. This mailing was sent/confirmed by USPS certified. More specifically, I requested funds not be held in suspense, but rather applied immediately for principal reduction. Today, by phone, the Representative states that this is NOT happening on my account, but rather XXXX continues to place partial payments in suspense. I stated for the Representative that my complete intention of partial and/or overpayments were for the purpose of me to save/escape some interest expense over the life of the loan ( XXXX is aware of this! ). In my opinion, FirstLand and the like should be severely fined for such disregard of the consumer. Had I known that I would be subjected to such practices, and the onus be on me/consumers, I would have worked to find/control more reputable lending. 
Respectfully, XXXX XXXX, XXXX. XXXX XXXX, NM XXXX XXXX XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (MI).
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: There are   XXXX   accounts that are reporting 120 days late from Nelnet,   XXXX   XXXX   XXXX    XXXX  account and   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX      XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is Nelnet reporting this way again this year.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed the following accounts with Experian. I have told Experian that I have no contract with any of the following companies : XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX/2017 XXXX XXXX/2017

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 10/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Hello, I wanted to let you know about scam that I fell for with a debt company XXXX. They called telling me I could decrease my monthly payment by selling my loan to the DOE. They told me that I had to pay three installments of {$430.00} to allow the DOE time to sent up the repayment plan for me. Luckily, my parents happened to read an article on the XXXX and XXXX about potential praying on people struggling to repay student loans *I am struggling to repay and do need relieve from these large payment ). I am hopefully with in the three days the contract allows to cancel my contract. I just want to get the word out so others do not fall victims to these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (I do not know) with Turning Point Solutions LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received 2 voicemails this week from XXXX XXXX XXXX  to speak with me regarding a loan taken out by a relative they named in the voicemail message, and to discussed resolving this 'voluntarily. ' I have never co-signed for this relative for a loan. I never received anything in writing from this company, or any company they might be representing indicating what is supposedly owed. My spouse tried to call them several times today, but they did not answer. They are listed with the BBB, but with numerous complaints. I suspect this to be a scam which should be reported to law enforcement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm formally requesting you to delete 30 day late reported for act # XXXX for XX/XX/2015. My family on my behalf called Ditech to make a payment over the phone however it did NOT register in your system. I 'm a XXXX thus I used a line for XXXX to make the payment for XX/XX/XXXX and was assured that it will be property processed, but it was NOT. Now you are reporting a 30 day late on my credit report when in reality I was never late on this account it was YOUR fault and failure to properly process my payment. 
I 'm requesting you to delete this late reported as it is a violation and a discrimination on your behalf and it is hurting my credit greatly!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (I do not know) with Astra Business Services (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a phone call from XXXX and answered the phone. After several greetings, no one responded at all, and I hung up the phone. I XXXX searched the phone number and found that it belongs to : Astra Business Services website - www.astraglobal.com It appears to be a collection agency. Concerned and not knowing of any debts whatsoever, I called the number back. The automated answer states that it 's Astra Business Services and, " this is an attempt to collect a debt. '' When I wait to speak to someone, I am hung up on every single time they answer. I called back 5 times. On the fifth time, someone actually answered and said, " Yeah what? How can I help you? '' As soon as I started to speak the person hung up on me again. 

I suspect that this number may be related to a scamming of some sort. I can not think of any other reason why they wo n't talk to me. Now I 'm concerned if I should pull my credit to see if there 's some debt I 'm unaware of, but that could be a complete waste because I 'm actually being harassed.

Company response to consumer: Closed
Consumer complaint received 10/22/2016 about Credit card () with JPMORGAN CHASE & CO. (NH).
Issue: Customer service / Customer relations

Complaint: Recently, Chase has updated their web site which has made it almost useless. You can not find the information you need. I had to revert back to paper statements because their system is so obtuse. I also rarely use their online payment system because it is so buggy. I really feel that they have done this to make it harder on the consumer and the likelihood is more fees will be charged through no fault of mine. When I contact customer service through their website, no easy task anymore, the answers I get do n't even address what I asked! If I could pay this off and use another company I would, but I am stuck with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In 2005, I went to XXXX XXXX XXXX. They directed me to Bank One JP Morgan Chase for private student loans. JP Morgan Chase approved, over the course of three years, XXXX {$30000.00} loans for a total of {$90000.00} to a borrower with stated income of {$24000.00} per year with a cosigner who also made {$24000.00} per year. The monthly payments for these loans is {$410.00} each, for a total of {$1200.00} per month. My income, after taxes, was around XXXX per month. The debt to income ratio would have been 77 % not including paying for a roof over my head and other necessities. In making a decision for approving a loan, the lender can not assume any other factor other than the stated income of the borrowers. XXXX XXXX XXXX cancelled my program before I could graduate. As a result I, of course, defaulted on the loans. They have been turned over to XXXX XXXX XXXX, a debt collection agency, that took me to court without informing me and got a default judgment in XXXX County, WA for a debt now for over {$150000.00}. I have been terrorized by those debt collectors for ten years. I literally see a psychiatrist for stress and anxiety due to this situation and I can direct you to his contact information if you require proof of that.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage after lay-off. I soon learned I would need XXXX before returning to work. I had the surgeries and was unable to return to my work as XXXX and now have been XXXX for a new occupation at less than half my former income bracket. I have applied for a Short Sale but still have a forclosure sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional fixed mortgage) with Midpoint Law Group, P.C (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I was told I could get a mortgage modification named Mid Point Law in XXXX XXXX California. They took {$4000.00} of my money upfront as a " retainer ''. I 've found out that this is illegal because of state statute SB94. They 've closed their doors and I can not contact them any longer.

Company response to consumer: Untimely response