milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Trouble during payment process

Complaint: I had a loan through Chase Bank that was heading into foreclosure in XXXX but I sold my home ( for more than what I owed ) before that happened. I recently learned ( while applying for a loan ) that my previous mortgage is being reported by both Chase Bank and XXXX XXXX under two different loan numbers, which to potential lenders appears as two bad past mortgages instead of just one. XXXX XXXX was handling the foreclosure and I let them know in XX/XX/XXXX that I had accepted an offer on my house with an XX/XX/XXXX closing date. On Chase Bank 's behalf, XXXX XXXX provided instructions ( dated XX/XX/XXXX ) to issue the payoff to Chase Bank in the amount of {$680000.00} which included additional interest ( in the amount of {$4400.00} ) calculated through the end of XXXX. The property closed as expected on XX/XX/XXXX and XXXX XXXX says they sent the funds via XXXX XXXX  next day delivery. <P/>I 've attached an eleven page complaint that I filed with Chase Bank on XX/XX/XXXX. Today, XXXX XXXX ( Chase escalations ) called and told me that since Chase can not find where they received the funds, there was nothing he could do to help and suggested I reach out again to XXXX or XXXX XXXX  XXXX. <P/>I learned that sometime between XXXX XXXX and XX/XX/XXXX Chase transferred my loan in the amount of {$680000.00} to XXXX XXXX after it had been sold, closed and funded. I also reached out to XXXX  XXXX XXXX and learned ( for the first time ) that on XX/XX/XXXX XXXX XXXX returned the XXXX XXXX check ( made payable to Chase Bank ) and requested a new one to be issued to XXXX, almost two weeks after the closing date. I 've attached copies of the XX/XX/XXXX correspondence from XXXX XXXX 's. On previous telephone conversations with Chase Escalations, I was told that their notes indicated an XXXX XXXX letter informing me of the loan transfer but they could n't find a copy. Today, mysteriously they were able to find a " Goodbye '' letter dated XXXX XXXX. I do n't have a record or recollection of receiving that letter and it 's apparent Chase did not inform XXXX XXXX prior to the XX/XX/XXXX closing date either. Additionally, the " Goodbye '' letter advises payments made after XXXX XXXX be sent to XXXX but the property closed on XXXX XXXX. <P/>I realize that loan servicing transfer 's are common practice but it 's not my fault that Chase Bank and XXXX XXXX failed to communicate with one another. This loan never should have been transferred to XXXX since both Chase and XXXX XXXX was made aware of the sale in XX/XX/XXXX. It 's obvious that someone sat on the payoff check for almost two weeks. I called XXXX today but the agent could barely speak English and was no help, nor could she offer advice for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Managing the loan or lease

Complaint: I have an installment loan with the company. They call me repeatedly to ask about my payment. I informed them that I would be in that afternoon, but I was not able to make it there on several occasions due to getting off work after they closed. The company calls me during the day and if I am in a meeting or with a customer, I answer and tell that that I will call them back. On XX/XX/XXXX they called my cell, I answered and said that I was in a meeting and would call them back. 5 minutes later they called my job and asked to verify employment. I called the company ( XXXX ) back and asked why would they call and verify employment ; as they had just spoken to me. She said it was because every time they call that they get hung up on. I told her that employment verification is for loan approval and that I did not want her calling my place of employment anymore or I would be filing a complaint with CFPB because she has my personal number to speak with me and I did not want her calling my place of employment. She said that it is in my contract that employment can be verified. I told her that I did not want them calling my employer anymore because it is against the law if I asked them to stop. I assume that they are circumventing the law by calling to " verify employment '' but in essence employment verification is only for loan approval. If I already have the loan, there is no reason to verify employment because I am responsible for the loan rather I am working or not. This behavior has become harassment ; the payment is on 18 days delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 mailed Experian a dispute request on XX/XX/XXXXbecause  they are reporting incorrect names, addresses and a Social Security Number variation that does not belong to me. I even filed a complaint with the BBB and they still refused to correct the information. I was informed by an attorney friend of mine to contact the CFPB.

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 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the following credit inquiries on my TransUnion credit report both online and over the phone. I was told these inquiries would not be removed by many rude representatives. I have a fraud alert on my credit report and these inquiries need to be deleted as none of them are mine.

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 04-03-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX XXXX, I fractured my acetabulum. Since then, I 've had XXXX XXXX that the last XXXX in XXXX XXXX resulted in a total XXXX XXXX. Since my XXXX, I have tried to get help with XXXX XXXX/Navient to help alleviate the XXXX of my student loans since I have been unable to work consistently since XXXX XXXX. For the first year, XXXX XXXX/Navient has provided me with the only option to do a forbearance, but that is only beneficial for temporary circumstances. This has been an ongoing, XXXX problem. I 've applied for XXXX which has been denied and I have also filled out documents to try to get a lower repayment option which has also been denied. With these denials, I receive letters stating that I have been denied, but when trying to contact the individual who signed these letters, I never receive a call back or a return e-mail. It seems like once they sent out the denial letter to me, they cut all ties with me. I have received no help with my repaying my student loan by XXXX XXXX/Navient and I 'm still unable to pay back these loans as I 'm recovering from a XXXX. I 'd like to know what to do because I do n't want my credit to be affected, but this has been a problem and I feel that XXXX XXXX/Navient should be able to help me with my loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Weeks of repeated robo calls that hang up after XXXX rings or when answer machine answers. A message asking to return the call or any message is never left. The calls come through using XXXX different caller id numbers. Violates Fair Debt Collection Practices Act 806 XXXX 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " No one here has any debt that is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have automatic credit score updates on my credit card account and one day XX/XX/XXXX, this debt appeared from enhanced recovery corp. 
I disputed it with XXXX and they said it will stay due to info they received. Assuming at this point, maybe I would be contacted about this debt I waited a couple months but received no letters or anything else. 

I disputed this again just a XXXX weeks ago and was told by XXXX that my claim is frivolous and it would remain. This time though I received some contact info about this collection agency. 

I have not tried to call them because of all the horror stories on the consumer complaints website. 

It was recommended that I start here first. Can anyone help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan with Navient with automatic debit. A few months ago I opened a new checking account and updated the information on their website. My profile states that my auto pay account is the new account provided ; however, the previous XXXX months Navient withdrew the funds from the old account resulting in two {$35.00} overdraft charges on the old account. After a phone call with customer service, I discovered that I needed to go to their " old '' site to make the changes. None of this was noted in the website I was directed to and seeing how my profile listed my new bank account number as my auto pay account I assumed that this was the account that was going to be debited. Navient needs to properly update their online system to reflect how this change needs to occur and reimburse me the fees charged. The school I attended was XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Do n't know who Credco, or XXXX XXXX is, nor have I authorized, or signed ANY application for ANY credit inquiry for CREDCO/, or XXXX XXXX on behalf of XXXX XXXX!!! I have been in receipt of credit inquiries for the dates of X/X/2017, X/XX/2017, and X/XX/2017 via credit alert coverage that I have through XXXX/XXXX. I have had my identity compromised, and have filed a Identity Theft report ( attached ) with my local police.

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 08/21/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I fell a payment behind on a texaco credit card in XXXX. Since XXXX-i 've made XXXX payments. This company has phoned me XXXX times with an restricted number. I have spoken to a caller three times telling them when i would pay. they dont listen. these callers use a robo-call device. some calls start before XXXX and go on until after XXXX. The second caller told me that i 'd better start showing him some respecrt when i objected to his calls. Foreignors of all nationalities call. i plan to pay off this card within weeks, and close this account. the Synchrony Bank is running this operation. THis is way over the amount of calls needed. THe entire debt is l ; ess than XXXX. These callers need to be taken to task for their tactics. you can bet i 'll never by this gasoline 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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.

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 03/22/2016 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: I cancelled a no cash out, refi of my primary residence with : Finance of America Mortgage LLC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX # XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Notification was sent the day after closing. They have not returned my funds. They do n't answer my attempts to contact. I 'd like all my money back. How do I get it? Thanks. 

Best Regards, -XXXX XXXX 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 monetary relief
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX our home was sold at XXXX in a foreclosure auction, I filed Bankruptcy at XXXX XXXX XX/XX/XXXX ; and Since XX/XX/XXXX XXXX , My dad 's  mortgage company Nationstar , and myself, until Now I have been in an Assumption/ Modification process. 
Nationstar which is now Mr. Cooper had all but cured our Bereavement/ Hardship concerning our dads sudden XXXX XXXX XX/XX/XXXX when they agreed formally to work with me In XX/XX/XXXX after refusing to accept partial payment or negotiate a payment plan it was all or nothing when we were just 3 months behind ( back in XX/XX/XXXX ). 
I was very meticulous in getting and sharing any, and everything requested by Mr. Cooper and then later XXXX XXXX requested documents all while allowing me to : Open Probate XX/XX/XXXX Restart My XXXX XXXX XX/XX/XXXX Qualify Financially ( provided 6 months bank and P & L statements From XX/XX/XXXX - XX/XX/XXXX ) Renovate/ remodel our home From XX/XX/XXXX -  XX/XX/XXXX I was really wandering why it was taking so long for an approval I was aware that some sort of comradery and teamwork was going on so I did n't think for a moment that Mr. Cooper would inadvertently sell without giving me an opportunity to provide more document ( s ) from the court ; especially since I 've been in compliance since the sale dates first started being postponed. 
As a Leader in Our Community, and a great lover of people one of my Biggest Failures is not Finishing what I start, Please help me to Finish the Good work that has begun even by allowing us to Remain In and to reestablish that good name that our Dad Begun with us In This HOUSE over 56 years ago! 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: they took my whole social security check i had no food my bills got turned off

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 09/23/2015 about Student loan (Non-federal student loan) with CAINE & WEINER COMPANY, INC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I had a student loan in XXXX back in the XXXX 's. The loan was paid in full more than 25 years ago. XXXX which is the loan agency in XXXX still claim that I owe them money. I have sent them letters in the past disputing the debt. They are now hiring Caine & Weiner in the XXXX to try to collect the non existent debt. I have sent Caine & Weiner a letter dated XX/XX/XXXX and asked them for verification of the debt and for them to not contact me anymore except for the verification. I have not received any verification of the debt. Now XX/XX/XXXX they called me and told me that I am in collection for the non existent debt from XXXX. XXXX from Caine & Weiner told me that this was a different debt from the same " XXXX '' client.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: EWS has failed to provide under the FCRA time limit a response on their method of verification. I requested that they NOT use a XXXX method of verification and provide me the physical documentation of their methods of verification due to the nature to the dispute was due to identity theft and need the documentation for my records. They have failed to respond thus under the FCRA time frame limits the items disputed must be removed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: 2 years ago i XXXX XXXX XXXX XXXX a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Federal student loan servicing) with Lincoln Educational Services Corporation (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Lincoln Tech told me I did n't have to start paying my Federal student loans from 6 months from the date of XXXX XXXX when I graduated and Im already being charged to pay my student loans than they told me. Can you please have the courtesy of resolving this issue by calling me and fulfilling your promise of not charging me my student loan until 6 months from graduation?

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely 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 explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OR).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hello, I have been using my American Express Business Rewards Gold Card for nearly 3 months and have met the spending requirements to meet the promotional bonus. My Membership rewards was under review for nearly 2 months to make sure I have met spent requirements. I have spent well over 5000 dollars on this account and I am requesting my membership rewards bonus to be put into my account. I have been told a number of things from various representatives from XXXX and I am very disappointed. Thank you for your time reviewing this

Company response to consumer: Closed with non-monetary relief