milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Chase has illegally re-aged debts it is reporting on my credit report to add 2 years to the period of time it will remain on my credit report. It has reported the late payments as closer to the present so that the damage to my score is maximized. I disputed these items with the credit bureaus, with Chase, and through additional correspondence. There is no valid excuse for these entries to be incorrectly reported. I want the XXXX student loan entries deleted. Chase also reports a credit card. I have no confidence that this is reported correctly and would like this entry deleted as well. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Settlement process and costs

Complaint: Bank of America still calling my house and harassing me to sign notary papers for FHA modification. Received XXXX calls past XXXX days

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: On XX/XX/XXXX, and as a last resort and after numerous attempts to resolve the dispute directly with the merchant, I called Home Depot Credit Card Customer Service to dispute an amount of {$3600.00} from my bill of XX/XX/XXXX. The agent never asked me for the reason for the dispute but, never the less, took all my information. Sometime in XX/XX/XXXX, I received the very correspondence from Home Depot Credit Services in a form of a letter dated XX/XX/XXXX. The very second sentence in their letter read the following : " We 've previously confirmed receipt of your inquiry regarding the dispute charges of {$3600.00}. '' Ironically, and in spit of my numerous attempts, I am yet to receive neither the original not a copy of the method through which they " confirmed ... ... '' The case once again went dormant. Then sometime in XX/XX/XXXX, I received from Home Depot Credit Services a letter dated XX/XX/XXXX. The very XXXX sentence in this letter was the following : " This is to advise you that the disputed amount of {$3600.00} will be provisionally credited to The Home Depot Credit Card account referenced above. '' However, few months later, I noticed that my balance increased significantly. When I did my calculations, I discovered that the difference was {$3600.00}. However, I never received an explanation. After my numerous inquiries, I finally received a letter from Home Depot Credit Services dated XX/XX/XXXX. The XXXX sentence in this letter was an acknowledgment to my inquiry. The second sentence in this letter read the following : " This inquiry needs to be handled directly by the Home Depot Customer Care. '' the letter only included a telephone number to H.D. Customer Care. I am literally still reeling from this experience. Please help me with this situation. Thank you very much for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with Penn Credit Corporation (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I had contacted this debt collector 6 months ago, they have a client of the State of Maryland Comptroller that is saying that I had a debt or a return filed back in 2012 with the state of Maryland. I told them that I did not ever live in Maryland and was a victim of fraud. They told me to contact another number and I did all the steps and filed a police report. Everything was suppose to be taken care, but I just received another bill from them and so I called their number and the gal was very rude and kurt with me like this was my bill. I told her that I dealt with this over 6 months ago and did everything with the state like they wanted and it was not my bill and I was a victim of Identity theft. She basically stated that she could not do anything about it and I would have to call the state of maryland and go through all the hoops again and that she couldnt do anything. I HAVE BEEN A VICTIM OF FRAUD AND WANT THIS TAKEN CARE, but no one seems to hear what I am saying. I Have NEVER lived in maryland or worked in maryland

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continues to call for the wrong person at my number. I do not know the person they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX. XXXX calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, unemployed, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: i noticed on my credit report XXXX XXXX XXXX account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being XXXX XXXX and Experian. first off XXXX  doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong XXXX  has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.

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 04/19/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan servicing was sold from XXXX to XXXX. I contacted XXXX to ask if this would require any of my Auto-Pay information to be changed or confirmed. They informed me that there was no need to change anything as all of the Auto-Pay information was coming over from XXXX and payments with XXXX would continue as normal. I 'm paying more than the minimum in order to pay down the loan faster and reduce how much interest I 'll be paying. 

The first payment went through at the correct amount, but the second payment did not. The second payment was reduced, without my knowledge or consent, to an amount over {$50.00} less than my previous payment. Furthermore, my interest rate of the loan mysteriously went from ( an already ridiculous within this market ) 6.55 % to 6.8 %! I 've written to XXXX and have not received any response. This increase in interest ( which has potential to be fraudulent ) as well as their decision, without my permission, to decrease my monthly payments via AutoPay will greatly increase the interest that they 'll collect.

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 01/21/2017 about Student loan (Federal student loan servicing) with MOHELA (ID).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I obtained about XXXX in student loan debt XX/XX/XXXX. When I graduated from college XX/XX/XXXX, I was n't able to pay back my loan at the minimum payment because of other debt. They would n't allow me to use an income-based payment plan because that only calculated my income and not any of my bills. Not being able to make the payment they always suggested that I do a forebearance which continued to accrue interest. When I finally had the opportunity to consolidate my loans, the lowest rate was 8.25 %. My debt is now XXXX and I pay 8.25 % interest on it. I 'm not allowed to re-consolidate at a lower rate so I 'm stuck with this high interest debt of XXXX. I 've been making monthly payments for a few years but I can only pay $ XXXX/month because of other income obligations. This does n't even cover my interest. I will be paying for this loan for the rest of my life with no opportunity to re-consolidate at a lower rate and the principal payoff increases every month. If I was able to use the income based repayment plan and have it factor in my bills vs my income, I probably could have made payments rather than forbearance. They made the forbearance option way too easy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB : Chase responded to our claim of wrong IRS Form XXXX ( Copy B ) for XX/XX/XXXX & XX/XX/XXXX ( CFPB # XXXX ; # XXXX ). Their letter goes : Dear XXXX & XXXX XXXX : We received your request to update your loan. 
According to our records, the amounts reported on your Form XXXX ( Mortgage Interest Statement ) for tax years XXXX and XXXX are accurate. 
In XXXX, the amount of interest reported to the IRS was a total of 7 months of payments including your XXXX through XXXX for a total of {$5800.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$5800.00}. 
In XXXX, the amount of interest reported to the Internal Revenue Service ( IRS ) was a total of 12 months of payments including your XXXX through XXXX for a total of {$10000.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$10000.00}. 
Chase Here are problems : ( 1 ) Chase says that, in XXXX, they reported to IRS that our interest was {$10000.00} ; but Copy B we received says {$8800.00} XXXX see attachment ). 
If {$8800.00} was wrong, we must file an amendment to IRS. 
So, we want to receive a correct XXXX Form XXXX from Chase. 
Chase must be correct this time since we think that the figure should be ~ {$9900.00}. 
( 2 ) Chase says that, in XXXX, they reported to IRS that our interest was {$5800.00} : 7-month payments for the year. 
This must be wrong. 
Since we made 12-month principal payments ( which made the remaining mortgage balance {$350000.00} and current ) for the year, the interest payments must be for 12-months. 
We hope Chase could promptly straighten up their accounting mess.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RWLS Mortgage LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: RWLS XXXX LLC bought my mortgage from XXXX maybe XXXX or XXXX Companies ago. XXXX XXXX Mortgage was working on a modification of the loan and a reduction in principle. The problem with the proposial was it required a large down payment it was suggested a smaller down payment with different terms. The property was set for sale XXXX XXXX 2015 and in the XXXX they stated that that RWLS would not approve any modification and the property would be sold. I later received another assignment of transfer to XXXX XXXX mortgage company and in mid XXXX I received a statement from them the reenstatement amount was XXXX and the date to pay had passed and no other representative would discuss the matter. On XXXX XXXX 2015 I received a 3 Day notice to vacate the premises from XXXX XXXX XXXX still listing RWLS as the Lein holder. I am not an attorney but something is not right. I believe there is a process and dont believe it is being handled correctly

Company response to consumer: Untimely response
Consumer complaint received 11/20/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The following disclosures required to be included in an application for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included in any of the applications for the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; whether the interest rate will be higher if the loan is not co-signed or guaranteed ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance and how to obtain more information about Federal assistance. 
The following disclosures required to be included at the approval stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance ; how to obtain more information about Federal assistance ; consumer 's right to accept the loan until the expiration of the acceptance period and the date upon which the acceptance period expires. 
The following disclosures required to be included at the final disclosure stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : consumer 's right to cancel until the expiration of the cancellation period and the date the cancellation period expires. 
Additionally, Chase has failed to provide evidence that funds for the academic period from XXXX 2008 to XXXX 2008 were actually disbursed, even though Chase is demanding repayment of same, despite repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Closing/Cancelling account

Complaint: The issue is as follows, Out of the clear blue JpMorgan Chase Bank decided to shut down both of my credit cards. I used the cards regularly for my daily purchases. Please note my credit is XXXX with all XXXX credit reporting agency 's. I used 2 % of my entire Credit lines and I pay off my bills Bi-weekly in full. in order words I have no risk whatsoever to this or any other financial institution. I truly believe that I was discriminated against in this situation and I want this matter investigated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (OR).
Issue: Account opening, closing, or management

Complaint: I just spent 2-1/2 HOURS on the Synchrony Bank website & spoke with XXXX different representatives on the phone, simply trying to change my password, as the Bank is requiring. It was a NIGHTMARE! The Bank makes it almost impossible to get access to my own money. The instructions to change the password are incomplete, and the representatives did n't seem to know what the problems were or how to correct them. XXXX of them tried to connect me with the Bank 's " IT '' representatives, and I was disconnected twice. The Bank required that my password be changed, yet they made it nearly impossible to do it, since the instructions were so unclear. I have decided to take my money out of Synchrony and put it into my XXXX money market accounts, so that I do n't have to deal with a confusing and unclear website every time I want to access my money. The XXXX website is much simpler and easier to use.

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 07/23/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am just finding out after 3 years that someone has incurred a bill and opened an account with XXXX back in XXXX XXXX, 2015. I DID NOT NOR HAVE NOT EVER HAD XXXX XXXX OR ANY PRODUCTS FROM XXXX! I am just being made aware of an account that was supposed to be had by me when i recently viewed my credit score on XXXX XXXX. It has had a negative and profound affect on my credit score and there is a derogatory remark on my credit report and I am currently disputing this claim against me and I further found out the name of the collection agency it was turned over to. I want this debt cancelled and erased form my credit profile because IT IS NOT MINE!!! Here it is two years later, only for me to find out that i have been a victim of fraud and an account has been opened with my name and I never had my id or license lost or stolen so how could this be? PLEASE I am asking for help in this matter and I never seen a bill came to my house or phone calls regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company bundled our sewer tax into other bills paid out of our escrow for several years. Then suddenly the sewer tax stopped being paid. We called and Dovenmuehle told us that this was an error and that they would submit the payment. This happened two years in a row, then last year they told us that they did not pay sewer tax and apparently had never paid the past due sewer tax. While we tried to figure this out, the city put a lien on our house and charged us late fees and interest. I spent a few weeks working with people at XXXX XXXX ( the company that holds our mortgage and sold the servicing to Dovenmuehle XXXX in XXXX of 2015 to get it figured out. Finally I was told that the past due amounts and additional interest had been paid. We got a new sewer tax bill in XXXX and apparently the money that we had been paying toward the actual bill had been put toward the fees Dovenmuehle was supposed to pay, and now we were late on the current bill. We also saw that there were XXXX charges for " hospital tax '' billed on one day from our escrow. I called XXXX XXXX again and was told that those payments were toward the late fees which XXXX was supposed to pay - so they took our money out of escrow to apply toward bills they had promised they would pay and called it something else .... I do n't know if they were trying to cover up that they were taking our money to pay for their mistake or what. But to this date, the issue that has been going on for years has STILL not been corrected, even though XXXX XXXX repeatedly assured me in XXXX that I did not need to worry about it, it was all taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I recently lost my job and will not be able to get back to work until XXXX. When I called Navient to try and work something out with them as far as deferment, they would n't work with me. They said there was n't anything they could do and just reminded me of the repercussions of defaulting which is what I told them I was in fear of doing.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XX/XX/XXXX received phone call from Portfolio recovery associates tel # XXXX spoke was asked to verify last 4 of SS #. I was told that they were calling to collect a balance on 2 separate accounts. the accounts were from the year XX/XX/XXXX. not only is the statute of limitation exceeded, these accounts were discharged in bankruptcy in XX/XX/XXXX ( 12 years ago ). I was passed around to 5 different people at this company who kept asking for verification of SS #. we do not owe any money to XXXX XXXX or XXXX XXXX as stated by the individuals at portfolio recover associates. they continually asked how we were going to make payment to resolve these accounts. I believe this company is in violation of the federal bankruptcy laws as well as NJ Law on collecting debts that are way beyond the statute of limitation. they are threatening to damage our credit rating by reporting these old debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Called Experian and was not able to help me. 
On annual report.com I put my info in and system will not accept any of the security info system provided me to put in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I want XXXX XXXX, Equifax and XXXX to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX XXXX Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ XXXX )

Company response to consumer: Closed with non-monetary relief