milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (DE).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is due to my divorce and primarily involves my HELOC, though my first mortgage ( fixed rate Home Equity, really ) is with the same lender. I will remain with my kids in the home and want to assume both the Home Equity and the HELOC ( or have my ex-husband 's name removed ) but I 've been unsuccessful. I 've submitted a complaint previously but ca n't dispute the response, possibly due to the age of my complaint, but research takes time. I 've had a chance to review my HELOC docs and have several issues. First, my ex and I both believed the HELOC was secured by a different residence that he 'll be keeping ( no loans attached ). The docs do n't state what property secures the HELOC. After many calls to my lender, and much confusion on the part of my lender during research, I 've been told that the home in which I reside secures both loans. Next, I 've researched some info re : " due on sale clause '' being one of the only tools available to lenders to prevent assumptions. I ca n't locate this clause in my HELOC docs, so I 'm wondering if that may only apply to first mortgages. Whether it applies only to first mortgages or to the HELOC, as well, I 've been told by my lender that I ca n't " assume '' my loans nor can I have my ex removed. If my lender is incorrect in prohibiting me from removing my ex, I 'd like to know how I should proceed. If THAT does n't help my situation, I 'd like to know if the 1982 Garn-St Germain Act applies, and if so, how I should proceed. Finally, my HELOC docs state that instructions for some types of transactions may be made by one borrower without requiring all borrowers to sign ( though reinstatements for borrowing, etc., must be made by all borrowers ). I 'd simply like to instruct my lender to remove liability from the second borrower. My requests for the past 4 years have been denied. I 've shown my ability to pay without a second borrower for the past 4+ years, without any late payments, and I also have liquid assets equal to many months of payments. Aside from the proof of my ability to pay, could my divorce documents be presented to my lender to accomplish my request? We currently own XXXX houses together, XXXX without any loans whatsoever, which my ex will be retaining, and making monthly payments to me. I own the one house mentioned above with a mortgage and HELOC as well as XXXX additional homes without any loans whatsoever. I 'm requesting assistance again due to new information and my inability to convince my lender that I 'm just as trustworthy as I was when I applied for my loans with my ex as co-borrower. I 've always made the payments without his assistance, but as mentioned, can prove I 've made payments for more than 4 years without his assistance. Any help you can provide is appreciated. I 've mentioned a couple of scenarios above that I 've run across while researching, but if there are other options that will help me achieve my goal, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Account opening, closing, or management

Complaint: My parents bank with a well known bank that I will not name as fear of retribution. My name was on their account. My parents were scammed out of close to {$30000.00} dollars. The bank manager told me she tried to stop my parents and told my father to " call one of your children '', and yet, never picked the phone up to call me. And yes, they admit to " some mistakes were made '' but that is not good enough for me. I would like to see that the banking industry do more to protect this vulnerable population. I would like to see that steps be put into place that when a family member calls to alert any bank that they suspect their family members are being scammed, as I did twice and messages were taken and yet no one ever got back to me, that a " different drop down list comes up '' and they are sent to the banks fraud department, before, not after the fraud has occurred as what happened in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This is a follow up to Complaint # XXXX ( now CIT ) responded within days of your having contacted them. 

They have sent several letters, we have spoken several times on the telephone, the bank has acknowledged that they have no legal standing to continue to hold their lien against our home. 

Despite their promises to resolve the matter, today, three months after our initial contact with you and 20 months after we first requested that the bank release the lien, as of XXXX XXXX, 2015 the lien release has not been recorded. 

This morning I spoke to XXXX XXXX XXXX to express my dismay at the delay. I pointed out that if this were a sale, the transfer would be recorded in three - five days. He said he had no explanation nor was he able to contact anyone else in the bank who might have some insight into how to move the process along and reach a resolution. 

I appreciate the Consumer Financial Protection Bureau 's assistance and can say without equivocation that it was your involvement that moved the bank to begin a dialogue. 

I hope that you are equally able to help them solve this in a timely manner.

Company response to consumer: Closed
Consumer complaint received 12/31/2015 about Payday loan () with CURO Intermediate Holdings (LA).
Issue: Can't stop charges to bank account

Complaint: I obtained a payday loan from Speedy Cash XX/XX/2015for XXXX {$230.00} and was laid off when the loan became due. I contacted Speedy Cash and advised them. I received a phone call from a representative from Speedy Cash asking if I could pay my loan, I informed her that I was still unemployed and was not trying to get out of paying my debt with them. She said that she would refrain from collection calls and wished me good luck in going back to work. On XX/XX/2015 Speedy Cash drafted my account {$280.00} via electronic check without my consent or approval. I have since then closed my checking account with XXXX Bank here in XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (MS).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I did n't receive a notice that it was being sent to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Payday loan) with Premier Recovery Group (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a voicemail from XXXX providing an ID number of XXXX and requesting I contact them at XXXX. I contacted them and spoke to an individual named XXXX ( no last name provided ). He informed me that he was with Premiere Recovery Group, and that they were representing a payday loan company called XXXX XXXX XXXX. He stated that I owed this company {$750.00}. I asked him for the contact information for XXXX XXXX XXXX, and he did not provide it. I then asked him to provide Premiere Recovery Group 's address, and he asked me if I was willingly going to pay the debt. I informed him that I would not comment on the debt, and that all I was looking for was information at this point. He hung up on me. I called back, someone picked up the phone and hung up immediately. I called back again, and XXXX to a XXXX XXXX. I asked her for their mailing information, and she hung up on me. I called back and spoke with XXXX XXXX. I asked him for the mailing information, and he provided their mailing address ( XXXX. XXXX XXXX, XXXX, NY XXXX ). I thanked him, and ended the call. I called back again, and spoke with someone named XXXX. I asked her for a validation of the debt. She transferred me to someone else who did not identify himself. I requested they mail me a validation of the debt, he said that previous letters had been sent out by other debt collection firms. I requested clarification of his statement by asking him if that meant Premiere Recover Group had not sent a letter. He then said that they have sent information out to a previous address of mine. I informed him of my new address, and requested a debt validation letter be sent. He stated that one would be sent out today.

Company response to consumer: Closed
Consumer complaint received 02/20/2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid off and debt was resulted from identity theft and fraud embezzelment. 

As you know I have reported my identity was compromised. 
Po ; oce re [ port and Identity Theft Victim 's Affidavit had been mailed to you and to the bank institution. 
I asked that the charges be taken out of my billing. 
Please respond within the next 30 days that the charges are removed.

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 09/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Have been trying for a Mortgage modification through Wells Fargo for years ... most recently X/XX/17.  This time they denied us because we have too much equity in our home. Previously they denied us because we were " underwater '' - not enough equity. Wells Fargo has been rude and consistently unhelpful - we only stopped paying the mortgage because we were told by one of their reps that it would be the only way to get a call back. They dont deserve to be in business. I caution EVERYONE to boycot Wells Fargo.

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 02/16/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: APR or interest rate

Complaint: To whom this might concern, I am writing to complaint about Chase credit card fee management. Chase has violated the customer agreement when they keep charging the interest fee on the TOTAL PURCHASE of the month instead of the outstanding balance after I made the payments. 

For example, I purchased {$4000.00}, paid {$3000.00}, and am subjected to the interest charge on {$1000.00}. Chase charges the interest on my entire {$4000.00} purchase for the periods for multiple months. I have attached my statements that show how Chase calculates the interest on the total monthly purchases. 

After multiple attempts contacting Chase 's customer services, the issue has not been resolved. I have closed the account. I would like to file the complaint against Chase practices since they originally violates their agreement, falsely charged their customer, failed to resolve problem, and made no further attempt. 

Thanks and have a good day! 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Prepaid card (Gift or merchant card) with U.S. BANCORP (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: This complaint is for re-open the  Case nu mber :  XXXX .   It 's more th an three  months now. I still did n't receive my  XXXX  repaid card.

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 04/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After submitting the request information at annualcreditreport.com, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2015 about Bank account or service (Other bank product/service) with DISCOVER BANK (AZ).
Issue: Account opening, closing, or management

Complaint: I w alerted that I was a victim of identity theft when my credit card limitwas decreased from {$30000.00} to {$2500.00}. The delinquent account is withDiscover. It has been three weeks and I have not gotten cooperationwith them to remove this account from my credit report. I still, after threeweeks have not received an affidavit to complete, they are still using thefraudulent information when I call to confirm my identity to check for pro-gress on the investigation and will not release any information to me. Iwas told by one person that the affidavit was mailed to the address thatwas used to open the account, which is in another state, and not to me. II feel that I am getting no respect, no cooperation, and no help with thismatter, when they are at fault for opening the account with inaccurateinformation. They told me that there is no documentation of when I have callecalled to make inquiries. DISCOVER is not taking any responsibility/accountability forthis. I feel as though I am being treated as the guilty party when I aminnocent and trying to clear my credit report, which has been stellar untilthis incident.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have filed for forbearance, and also tried to report that I am XXXX now. I now received a letter from a collection agency without any notice from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On X/X/17, Transworld collection agency called a random contact from my cell phone. This contact was a friend who is in bed with XXXX. This debt was not valid and was waived supposedly by the original company. Should not have even reported in the first place. However, Transworld called multiple times a day on my phone and my husband 's phone. They used many different phone numbers, that were untraceable, and could not be called back. When I ask them about the friend that they use to track down, they said they used skip tracing, and will not transfer me to a supervisor or manager. This is illegal, and we were harassed for three months by Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Medical debt) with N.A.R., Inc. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/17 I received a phone call from my ex wife that a number, XXXX, has called several times but the women will not give her name what company she works for or what the call is about, she only claims she has business with me ( XXXX XXXX ) that is most urgent or else if she doesn't get in touch with me. When I called the number the person refused time and time again not give her name or company or what the call was even about, she just keep badgering me on my Name address, SS # etc and would divulge nothing till I did so. I refuse and it is also unfair to ask for sensitive personal information to be given to a person that wont identify themselves. The company turned out to be NAR inc and the womans name is XXXX XXXX, once I was finally able to get what the call was about regarding a medical debt I had been paying out while waiting for insurance to verify if they had paid all they would I simply asked for a itemized bill and if the numbers matched I would pay the debt immediately. I did not get an itemized bill all I received was a one page letter saying the debt was verified. It also had 2 amounts one for {$42.00} ( the actual Debt ) plus a 40 % collection fee of {$16.00}. I have paid the full amount including the fee, however she called my ex wife several times after I said don't due to issues with her being my exwife and to be honest she has gone back to her maiden name so not sure how they got that number at all. I asked her several times not to call her and she did anyway. I also think the collection fee is unfair it isn't interest its obviously a fee they just decided to add for no good reason. I also have asked once again for an itemized bill so I can match it against the insurance payments but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: After I completed XXXX I moved to the XXXX area after XX/XX/XXXX to help out afterwards. I worked in XXXX and the XXXX services since then until I started as a XXXX. Currently, XXXX. XXXX. I submitted a loan modification application to Ocwen to modify my FHA mortgage and Ocwen did not make a decision on the modification application. Ocwen claims the home was sold at auction on XXXX without evaluating my loan modification application to modify the FHA loan. I lost the job that I had XX/XX/XXXX when I borrowed the mortgage from a company that sold it to GMAC. GMAC went bankrupt and now Ocwen is the loan service provider. I searched diligently since I lost my job XX/XX/XXXX but am not able to find employment, but I am a XXXX with student loans. The FHA loan was discharged in a bankruptcy in XX/XX/XXXX and I continued to make payments until my retirement account was empty.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I submitted several complaints including but not limited to the following : XX/XX/XXXX (  XXXX - open ) and XX/XX/XXXX ( XXXX - closed ) I submitted complaints to CFPB in regards to my loan with XXXX XXXX XXXX. In XX/XX/XXXX XXXX XXXX XXXX  acknowledged that they inadvertently entered loan information in a manner that was inconsistent with the loan documents my husband and I signed in XX/XX/XXXX. In their letter attached they stated that they were going to correct this and send correspondence confirming such changes. To this date, they have yet to do so. Furthermore, they have failed to process our loan modification application from XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (IL).
Issue: Making/receiving payments, sending money

Complaint: My complain is with Synchrony Bank, who handles the JC Penny accounts. I have had an on going dispute with JCP and Synchrony Bank for a year or close to it about my account with JC Penny. I have been late in payments a couple of times and have not be able to catch up since I have always paid on my account. But not to the satisfaction of JC Penny or Synchrony, therefore in XXXX of 2016 I just paid what I owed and be through with the company and the bank. I send a check for {$200.00} to JCP knowing that it should cover what I owed and close my account. I kept receiving late statements from JCP and Synchrony when I looked at the statements the {$200.00} payment had not been added to my account they say when I called that it had been received or added to my account, I had to send them a copy of the payment. They added they said to my account but nothing changed I stilled owed them the same amount of money when my bill should had been in the negative balance and they owed me money. But they are still harassing me and damaging my credit report with this. Could you if possible help me with this matter I have the proof showing that I owe nothing. 
Sincerely, 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 explanation
Consumer complaint received 03/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hi, I applied for student loans in XXXX of 2008 to start classes at university XXXX. I proceeded to go on for 2 years applying for loan after loan to cover the cost of the school. After I graduated with a degree in XXXX ( which does n't account for anything ) Navient started right away with the phone calls about repaying the loans. I have been back and forth with them about forbearance and income driven repayment plans. I keep calling and trying to talk to someone and they give me the run around about how to go about affording something other than {$500.00} a month. So now I have a degree ( that 's probably as good as working at XXXX ) that got me no where and {$33000.00} in student loan debt. If you are here for your costumers then prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I have had an account with td bank for less than 90 days and I have received over XXXX dollars in overdraft fees even when I 'm not using my card. I hate this bank. Everyone I go to the bank off XXXX XXXX in XXXX, I ca n't get a manager. This is the most unprofessional business I have ever come accross. SHUT THEM DOWN

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Asset Recovery Solutions, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I would like a verification and itemization of the debt that I owe to Asset Recovery Solutions for an apartment lease with XXXX XXXX. I dispute a portion of this debt and would like a detailed break-down of what I am being charged.

Company response to consumer: Closed
Consumer complaint received 03-02-2017 about Debt collection (Medical) with Holloway Credit Solutions (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX posted a collection on my credit report and they have never contacted me regarding a bill. I still to this day use XXXX and have never been told even when i have an appointment. I called them and they stated that they would check and return my call. Two weeks later i called again and was told the same thing. To this day i do not know if I owe a debt or not. If i still use them you would think that they would tell me.

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