milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Two months late on a payment and was notified by mortgage company that we were eligible for refinance, re-modification and/or forbearance. After submitting the documentation was submitted within 2 weeks, we have received on numerous occasions that our packet was incomplete. After complying to their request, upon being told, it was lost or misplaced, and submitting it again, a final response to re-modification was provided. Please note, however, that this took 4 months of resubmitting it, and only to discover there was XXXX block on the XXXX form that was not checked. The representative we were working with from the mortgage company, realized the mistake, called us to fix it and return it. Again, I did that within the hour. This was taking place while I was communicating with XXXX regarding this situation. Being a member with XXXX, they have an advocate to help assist with with any problems that may arise. We did so. Apparently, it was n't until XXXX made phone calls that this representative finally processed the paperwork. The answer we received was that i was n't approved. The answer was that our mortgage was past due more than 60 days. I had made XXXX payments, XXXX and XXXX, only to have it returned to me. Apparently, I did n't make the right payment amount. Due to their negligence in processing the documentation in a timely manner and 'acting in good faith ', which caused a delay in processing the documentation, the home is now in a foreclosure status with a law firm. I do n't understand how, when I made payments only to have it returned, notification of refinance/re-modification approval, submitting documentation numerous times, and now not approved, we get stuck with paying the large amount of payment and lawyer fees, all to be paid within 5 days. 

PHH mortgage has been improperly handling, misleading, and in an untimely handled our case. 

XXXX, is NOT a PRO military corporation. I know that, because my husband is currently in the XXXX and has been with XXXX for 28 years. Financing our home with XXXX only to find out that they had sold it to PHH. 

XXXX has communicated to us, that at this point, they can no longer assist us.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have had several instances where I have needed financial assistance based on the high interest rate and monthly cost of my graduate loans ( in spite of being on an income-driven repayment plan. ) According to Navient 's payment history - since XXXX of XXXX I have paid approximately {$720.00} dollars towards the principal of the loan ( currently over {$42000.00} - but was only {$39000.00} at the end of grad school. ) In that same time period I have paid almost {$8000.00} in interest. The last three months ( for example XXXX, XXXX, and XXXX XXXX ) payments of more than $ XXXXmonth have been paid - but not a single penny has gone towards the principal. How is this NOT like debtor 's prison? The last phone call I put in to customer service, they literally told me to " just pay the interest for ten years and then request forgiveness of the loan. '' But that would amount to tens of thousands of dollars in pure profit to Navient with absolutely no benefit towards paying off the debt. I 'm interested whether they are being sued privately. I know they 're being sued by the CFPB, and a couple states - and I intend to be involved there. But I 'm wondering if there any private citizens involved in class actions - if so - how do I get involved there?

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Billing disputes

Complaint: On my credit card I had XXXX charges from XXXX for XXXX on XXXX/XXXX/2015. XXXX said they never billed me XXXX times and this was a mistake on Chase 's side. XXXX recommended I do a chargeback, which I then did. 
Chase just denied my chargeback saying that XXXX did provide the service provided. This does n't make sense as XXXX states they only charged me once, not XXXX times. 

This is from an email exchange with XXXX : No XXXX XXXX, We did n't bill you XXXX times. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2017 about Debt collection (Mortgage debt) with Caliber Home Loans, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection Agency : Caliber Home Loan , Inc. After doing my research back in XX/XX/XXXX when the modification of my loan was approved, I had a 2nd mortgage with XXXX and it was settled with original lender of the 1st mortgage, right before XXXX filed for bankruptcy. I received a XXXX back in XX/XX/XXXX which I filed with my XX/XX/XXXX tax returned and I was under the impression that a Satisfaction of Mortgage will follow sometime at a later date. Being in the military, I was kept very busy XXXX four times without the time to follow up on this matter until now. I need your help in providing me with information on how to clear this up and settle this once in for all. I tried contact the collections agency several times and sent them an e-mail ( Caliber Home Loan, Inc. ). They have provided very little information and I am very frustrated on what I should do at this point to obtain a Satisfaction on Mortgage? Thank you in advance and I will appreciate your help in this matter. Lender : Caliber Home Loan, Inc. Borrower : XXXX XXXX Loan No. : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen sent a letter dated XX/XX/XXXX that states foreclosure proceedings were initiated against our property on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened an account with  5/3  bank on   XXXX   XXXX   to take advantage of a {$200.00} promotion they were having. I did all of the requirements to receive the bonus but never got it. I m ade four phone calls to four repres entatives and they simply transferred me around without actually putting a note on my account to receive the bonus even though they acknowledged that I have met all of the criteria.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 'm showing inquiries on my report that I did not authorize & I have disputed with Equifax who refuses to remove .I have expain to Equifax that I was a victim of fraud.Equifax should understand as they are battling this issues as of today.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following items deleted Equifax Mortgage dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir/Mme : This complaint is related to the XXXX you have under # XXXX ( against XXXX XXXX .This complaint is against Select Portfolio Servicing Inc the alleged mortgage servicer.Am currently in bankruptcy ( ProSe ) .My adversary case # XXXX XXXX the Judge granted the Motion for Lift of Stay & I received the order yesterday.The lawyers forXXXXBank and Select Portfolio Servicing Inc are XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX .The lawyers send in a Proof Of Claim ( XXXX XXXX ) with a purported note endorsed in blank by XXXX XXXX for XXXX, XXXX XXXX Thru various depositions XXXX XXXX stated she was laid off in XXXX. My loan closed XX/XX/XXXX.Recently another case that was ongoing for 5.5 years : XXXX XXXX XXXX XXXX XXXX XXXX reported that 90min before Trial XXXX Voluntarily dismissed the case with prejudice, as the case somehow implicated that XXXX used a rubber stamp with XXXX XXXX XXXX name & endorsed XXXX 's XXXX appears that XXXX 's XXXX loan '' closed about XXXX XXXX XXXX. 
In my case Select Portfolio Servicing Inc " claims '' that my mortgage loan was securitized into XXXX Thru Series XXXX another case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX there is a XXXX XXXX Order/opinion ( by Judge XXXX XXXX XXXX that has a listing of XXXX Trust that investors sold-latest XXXX XXXX and since XXXXBank did not merge Trustee business till XXXX XXXX Trust were not transferred to XXXX Bank as they were sold prior to the merger of XXXXBank with Bank XXXX pass Thru Series XXXX was named as one of those XXXX Trusts. Further from either XXXX or other website when XXXX-surpise : ... '' no transactions in past 12 months.. '' My bankruptcy case is going to be dismissed on XX/XX/XXXX-I probably did not do something right.And now am facing imminent foreclosure by parties that are Not the real parties in interest.It is Theft. I do want to pay the true Beneficiary and holders in due course of my mortgage. 
Thank you for your time. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: APR or interest rate

Complaint: Hi I need to lodge a complaint against Barclays credit card. I paid my deferred remaining balance of {$75.00} on XXXX XXXX but on the XXXX XXXX statement, they charged me for deferred interest charges in the amount of {$220.00}. They said they reserve the right how to apply payments. I paid {$100.00} that covered the deferred remaining balance of {$75.00} on XXXX XXXX which was the due date. I can not afford to incur additional interest of {$220.00} as I paid everything related to that balance by the promotional time period. I think it is just unfair on my part that the bank is taking advantage of it and asking me to pay additional {$220.00} and that is why I am reaching out to you. The minimum payment due was {$39.00}. Thank you.

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 01/13/2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: APR or interest rate

Complaint: I called Chase bank to request a lower interest rate. I was told that no lower interest rates are available, yet the terms and conditions on their website states it does offer lower rates. When pressed further I was then told that lower rates do exist, but they would not extend those rates to me and keep transferring me around. I feel I am being discriminated against somehow, when I have perfect credit yet will not extend those same rates to me as others.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: having problem with credit bureau and their reporting method on credit report on my credit file it state that i have  XXXX  public record that has been reported inaccurate this file is not accurate according to the fair credit these file is missing information on these bankrupt these reporting agency saying this account has been verified but the agency want provide for me their verification method i ask several of times this public record is missing information for as which date this account was dismiss, the amount place under bankrupt per fair credit account that on credit must be accurate or account has to be remove when thirty dayfair credit state that the reporting agency supposed to have a copy of all document on file im asking this reporting agency to provide me with copy of all document that suppose to be on file i have ask before i have n't received any information next step will be civil action for discriminating because the area i live im provide lower credit scores and defamation this credit bureau action is damaging to good of my reputation.

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 03/27/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: CCS sent me a debt collection notice for a debt I do not recognize. In addition, CCS never sent me a debt validation notice as is required by the Fair Debt Collections Practices Act. Furthermore, CCS has not nor has agreed to provide all relevant contracts and information as to the alleged debt. I do not owe any debt to CCS nor have I ever. In addition, the alleged debt is past the statute of limitations. CCS is flagrantly violating the Fair Debt Collections Practices Act with their illegal debt collection tactics. Furthermore, they use the website XXXX to imply that it 's some sort of legal action that is taking place. This is deceitful debt collections and is in flagrant violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter that I owe money to a utility company and Aargon Agency has now reported this to the credit bureau. I called and emailed them and as of yet no response at all. I lost a credit card because of this. I do not owe any money to XXXX utilities.

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 03-02-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Account # XXXX. I recently consolidated my school loans with the Dept of Education ( from Navient ) .There were 2 payments released to Navient. The payments should have been made to the US Dept of Education. Unknowingly, I still submitted those payments to Navient. One of those payments ( {$8.00} ) was processed and transferred accordingly after I faxed over the evidence. It has been weeks since Ive heard anything about the 2nd payment. The payment in question was made on XXXX XXXX, 2016 from an ePayment ( {$170.00} ) with XXXX XXXX. That payment from me seems to be stuck in cyberspace and I am not receiving feedback about this transfer. I faxed over evidence showing proof with still no feedback ...

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took a {$700.00} loan and repaid {$620.00} of the principal. The loan company is making it difficult to pay off my loan. I have tried to pay it off online and it refers me to their customer service number. Two times I have set up a payment with the lender and twice I have been told it did not go through. I recently called and asked to pay off my loan. The representative informed me that the pay off was around {$160.00} and I decided to do that. The payment once again did not go through and the company is telling me now that the payoff amount is above {$400.00}. This is because of the huge daily interest they charge. 

I feel they are not taking my payments on purpose to continue accruing interest. Especially since they are using the original borrowed amount for interest instead of my new principal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Continued attempts by XXXX XXXX XXXX to collect on debt under my name. The debt was clearly shown under another name and address in a state I have never lived. I also was currently living in the northeast while the debt is in California. 
I have disputed several times but the debt keeps showing up in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Medical) with JLU Asset Management Group LTD (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: JLU Asset Management Group called my cell phone and left a message on XXXX/XXXX/15 threatening to take action against me if the matter was not resolved by EOB. I have not ever heard from this business on any matter. Did not disclose what matter was. When I called the number on the message I was told I had to call a XXXX that I owed {$90.00}, but would not tell me what the debt was for. I do not know what this is for and they would not give me any information as to what the matter was that needed to be resolved. I was at work when the message was left on my cell phone ( without my permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient 's processing of annual income based repayment ( IBR ) requests takes too long - several months ( standard seems to be 3 months ), causing my monthly payment to quadruple or quintuple.
Every year I file my tax return as soon as I have all my documentation. For two consecutive years in a row (   XXXX   and   XXXX   ) I filed my taxes in   XXXX     and immediately submit my IBR request to Navient. I then follow up in a month with Navient to verify receipt.
For two years in a row, Navient takes 3-4 months (  in this case, it is currently   XXXX   and my IBR has not yet been approved ) to process and approve my IBR  request. This causes my student loans to be pushed out of IBR and into standard loan repayment, causing me to overdraft my deposit account and having to put other expenses on credit cards just to repay my student loans. Although I can submit a paystub instead of a tax return, I prefer to submit my tax return as it includes both my husband and my income after tax and will reflect a lower amount than if I submit a paystub.
When I called Navient both years to complain about the amount of time it takes to process the IBR, they offer to put my account into forbearance. I do not need forbearance - what I need is for there to be a reasonable processing time of my IBR request to avoid high monthly repayment costs.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with RMK Financial Corp (CA).
Issue: Credit decision / Underwriting

Complaint: Applied for a home loan to refinance our home with RMK Financial Corporation or ( Majestic Home Loans ) we received our Closing Disclosure on XXXX/XXXX/2016 with a 4.0 % interest rate. Then 4 days later on XXXX/XXXX/2016 I get a call from my Broker saying they now want to increase our rate to 7.25 % based on late payment history. This is 4 days after our " CD '' Closing Disclosure had been signed and dated ( XXXX/XXXX/2016 ) by my wife and I agreeing to the terms at 4 % for a 30 Year Fixed. Also, according to the Closing Disclosure we were supposed to Close on XXXX/XXXX/2016 and then have our Dispursement and Sign-Offs on XXXX/XXXX/2016. Well it 's now XXXX/XXXX/2016 and nothing has happened. We have not received any new terms in writing from RMK Financial Corp. / Majestic Home Loans in regards to their proposed interest rate hike. I 've tried to call the Lender, Majestic Home Loans direct, but have had to leave messages for the Accounts Manager two days in a row. And still have not received a call back. So as of right now my wife and I still assume we have a loan at the 4 % interest rate that we signed, dated and agreed to on XXXX/XXXX/2016. 

And according to other lenders I 've called for advice and friends in real estate that I know, they all say that Majestic Homes Loans is doing some illegal practices and trying to bully us into a high rate loan. Our LTV " Loan to Value '' of our homes is 30 %. Which means we have over 70 % of equity in our home. Should we walk away???????? Please Help!

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