milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 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: Reporting company used your report improperly

Complaint: Equifax has mishandled my information. This information includes my Name, Social Security #, Address, Birthdate, etc. resulting from a data breach in XX/XX/XXXX/XX/XX/XXXX, which they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I had missed a few payments with Jp Morgan Chase bank so i knew i was behind. In an effort to get back on track i sent them i check to bring me up to only being behind one payment with the hopes of being able to pay the last payment the following week. I would have waited one more week and sent it all at once but i figured that they would like their money. I then find out that they are going to return the check because it was not enough to cover the full amount of what was due. Also when i called to ask of what the exact amount is to reinstate my loan they were unable to tell me what that amount is. So now it is going through a process to give me what the amount is as well as adding more fines and fees on a daily basis. Also i found out that my house has a foreclosure sale date from XXXX different third party attorney offices two days before i received that information from chase. Also they have informed me the reason that they can not give me the reinstatement amount because of foreclosure fees but they can not tell me what all of these fees and penatlies are for. It feels like they just have an " other '' line on my loan that is their playground for adding additional charges to my account and do n't have to give me a reason for it. I also have a log of other phone calls leading up to this point that my wife and i have made to chase where we receive information from a customer service person and move forward with what they tell us just to find out from a different customer service person that we can not do that. They have their system setup so that if you fall behind you will be drowned with with fees and penalties that grow daily while they drag their feet to get you the information that you requested.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Managing the loan or lease

Complaint: i bought a car in XXXX, XXXX i financed it through chrysler capital ( account number XXXX ). my first statement from chrysler capital arrived in XXXX XXXX and i made a payment of {$480.00}. the next statement i received ( in XXXX XXXX ), which i have attached, showed that my account was current and the next payment was not due until XXXX XXXX in early XXXX XXXX, i was notified by chrysler capital ( via phone ) that my account was overdue. i called them and was told that i missed my XXXX payment. i told them that my XXXX statement said that my account was current and no payment was due until XXXX. they said they had made an accounting mistake and that my XXXX statement was not accurate. apparently, they had mis-applied funds ( {$670.00} ) to my account, then later reversed it without notifying me. when this was explained to me by the chrysler capital representative, i said i would make a payment immediately and they told me that any associated late fees would be reversed since the error was not mine. my XXXX payment was made on XXXX XXXX, XXXX when i received my XXXX statement ( also attached ), the late fee had NOT been reversed, nor was my payment from XXXX XXXX applied. i called chrysler capital and they said that that my request to have the late fee reversed was denied. i asked to speak to a supervisor and they repeated that the late fee would not be reversed, even though the reason my payment was late was due to an accounting error made by chrysler capital. i asked to have the matter escalated and the supervisor connected me to chrysler capital 's 'office of the president ', which led to a voicemail box. i never heard from them after leaving a message. i now ask that any and all late fees from my account be reversed immediately, as i was told would be done since the mistake was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony bank calls back to back everyday all day because I am late, I have spoke them and explained my wife has lost her job and I 'll pay as soon as I can. The calls come as frequently as 2 minutes apart and as much as 10 times a day

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 07/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my house in XXXX. 
I did a refi with Chase in XXXX. Rate was 8.1 % I am a small business owner. In XXXX my business was slowing down and did n't make the money I used to. I tried to refinance with Chase but was declined because I was a small business owner and did n't have enough equity in my loan. I called Chase XXXX XXXX to apply for the Home Affordable Modification Program ( HAMP ). I clearly qualified for the program based on the guidelines and I wanted to keep my home. After XXXX months ( XXXX of phone calls ) they finally told me that I was NOT APPROVED for HAMP. In XXXX XXXX I finally missed a payment due to my financial struggles. I tried for HAMP again. 
Finally got approval in XXXX XXXX for 2 % rate going up to 5 % by year XXXX. I made XXXX trial payments on time. After the trial period they sent over the " official '' terms of modification. It really was n't helping me stay in my home as it was putting the money I save in interest onto the loan. They said if I did n't sign that the only program I qualified for was Home Affordable Foreclosure Alternative ( HAFA ) short sale. I do n't understand why, I made all three payments on time and I wanted to keep my home. 
On XXXX XXXX XXXX I rcvd a letter from Chase that said they would pay me {$20000.00} to sell my house. 
I agreed to the HAFA program as I had no other choice and Chase was now threatening to foreclose if I did n't. As part of the HAFA program, Chase told me there are no payments to make as long as I followed the guidelines of the program. I listed the house with a realtor. 
XXXX I had offer that was accepted by Chase to sell house for {$230000.00}. Just before closing Chase sold the mortgage to XXXX. Short sale with Chase never happen. 
House sold XXXX months later with XXXX as the servicer. 

I feel like as a small business owner I was discriminated against. When I tried to refi I was denied even though I had XXXX FICA score and made all me previous mortgage payments. Then I was denied HAMP after trying for XXXX months. Somehow I got convinced ( XXXX ) into selling my house in a short sale and all I really wanted was to stay in my home. 

Now I ca n't get a mortgage ( even with a XXXX score ) because my credit report shows XXXX months of non payment between XXXX servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I applied for a XXXX $ student loan to pay for my first year of college because I had applied too late to qualify for fafsa. My grandmother co-signed for me and all was ok. I was in school for 3 years and it was n't working out for me, I had family issues and could n't find what I wanted to do with my career. So I dropped out and just was working. By the time I had to pay on my loan it was up to XXXX . As far as I knew if I was in school interest did not accrue. I also was working a XXXX job part time and could barely pay living expenses. I called to try working anything out and I got rude comments and asked me why my cosigner could n't pay. My grandmother was put in a XXXX in XXXX and passed away in XXXX. I keep getting calls and I have told them many many times that she has passed away and they make a note but always ask me if my cosigner can do anything. No she ca n't because she has passed away. That really hurts when I keep having to explain it everytime. Now I have XXXX kids and I want to try going back to school to become and XXXX but I just ca n't handle any more student loans. I took a XXXX course through a XXXX college that michigan works help pay for and have been in the XXXX field for 4 years and love it. Just wish I could get over this hump so that I could finish school and do what I was meant to do. It really is XXXX harmful when they bring up questions about my grandmother when I have told them countless times why she can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding the handling of homeowners insurance related to a mortgage loan held by now Nationstar Mortgage that was transferred from XXXX Mortgage in XXXX 2015. 
Previously we have n't been escrowing for homeowners insurance and then independently Nationstar did not update the mortgagee clause nor set this up as non escrowed account then tried to first force place insurance and then not post a payment due to the escrow shortage. Even with showing proof of insurance they are now trying to force me to escrow even though i have this set up to pay with our insurance company causing me to stay on hold for over an hour to correct their errors. Still not convinced they are going to handle this correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax reports incorrectly that this account was late 6 times at 30 days.This account is a XXXX XXXX modified account. Equifax fails to report accurate payment history but rather NR. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed identity theft several times, they have failed to adequately investigate the items I have disputed, I have attached a copy of my police report. 

They also refuse to investigate and or remove the credit inquiries that I have disputed. These credit inquiries are affecting my credit score and need to be properly investigated or removed. If they fail to investigate the disputed items I will use the legal system in small claims court to get this resolved for each inquiry I 've disputed. 

I would have also attempted to get the number on my credit alert updated to XXXX and have not had any success.

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 10-07-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and am writing this letter to advise you that I had a mortgage loan with wells fargo. I had been trying for some time to try and work out a loan modification to get caught up on my delinquent loan and bring it current and start making payments. We had gotten approved for a loan modification in XXXX of XXXX and received a package that we notorized and sent back XXXX XXXX, XXXX, Wells fargo advised us on XXXX XXXX, XXXX that they had not received the loan modification paperwork and closed the file out voiding the loan modification they had qualified us for. The next day that we contacted wells fargo, they had notified us that they had just received the signed and notorized loan modification paperwork, but that is was too late to honor the agreement since they had not gotten it on time. we appealed their decision and re-appealed it, yet our request went on deaf ears. We reapplied again for a loan modification, but had a difficult time trying to get the file to underwriting since wells fargo was always requesting information that we sent to them numerous times. 
This went on till XXXX XXXX, XXXX when the were not willing to stop the sale of my home and sold it to foreclosure. Let me mention that we had applied right after the loan modification they had offered us was denied with the same information that we had previously been qualified with, but wells fargo turned us down, because we did n't qualify, yet it was the same information we had previously applied with and been qualified with??? I 'm asking that your organization please intervene and ask wells fargo why our numerous request since XXXX of XXXX went on deaf ears. They never were willing to work with us since that time? I may be contacted at XXXX or XXXX. All I was asking from wells fargo was a fair shake and I felt they never gave us that since XXXX of XXXX. My husband XXXX XXXX passed away in XXXX of XXXX and when we had re-applied in late XXXX of XXXX for a loan modification wells fargo informed us that nothing had changed since their last review in XXXX of XXXX so they were no able to offer us any loan modification workout. I was taken back with this response since my husband had died in XXXX and I faxed them the death certificate proving he had passed. I tried again on XXXX XXXX, XXXX and was told to fax in all the required information again the very next day I was told that the file had been closed, because again nothing had changed since the review of XXXX XXXX and I had exhausted all my loan modification options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.

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 01-10-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Trouble during payment process

Complaint: this is in regards to a complete filed against bank of America XXXX the loan was paid off XXXX/XXXX/XXXX, I have still not received the escrow deposit back, it has been over 3 months and I feel the Bank of America is not acting in good faith. 
this loan was on my primary residence.

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 08/18/2016 about Bank account or service (Checking account) with Comerica (TX).
Issue: Deposits and withdrawals

Complaint: Comerica Bank refuses to send legal proof : Comerica Bank refuses to send legal proof to support withholding {$4500.00} from my checking account. 

My current bank statement does not have a line item to support withholding {$4500.00} from my checking account and why I can not use my Check/ATM Card. 

See attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Balance transfer

Complaint: On XXXX/XXXX/16 a XXXX XXXX refund check was credited to my Citicard account in the amount of approx {$7400.00}. This was because our planned cruise had to be canceled I request that a check for the refund be mailed to me on or about XXXX/XXXX/16 I was told that the check would be sent within 5-7 days It is now XXXX/XXXX/16 and I have not yet received my check. My account balance shows a - {$7000.00} balance so I know check has not been issued

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 03/13/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Repeatedly receiving phone calls from XXXX, Ohio ( XXXX ) area code,XXXX.-XXXX. Please note this is just one number they have attempted to call me on. I have blocked numerous other numbers 's from this same company in reference to a XXXX 'S account over the past 8 month 's. Be advised I have never had a XXXX, S account, this was also explained to the caller the one time I answered but the calls have continued on nearly a daily bases. It was suggested that I file a complaint with the CFPB about these calls. Also note that no message was left with a call back number or reason on any of these calls. 
Below is a list of other telephone number used by this company : XXXX XXXX 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 explanation
Consumer complaint received 03-08-2018 about Mortgage (FHA mortgage) with FCI Lender Services Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: We have been attempting to submit a loan modification package to our servicer - FCI. They are saying that the investor - XXXX XXXX XXXX - won't work with us for a modification. FCI gave us contact info for XXXX XXXX XXXX and it goes to someones personal cell phone who has no idea who I am trying to reach. When attempting to search for XXXX XXXX XXXX online, there is no records of this company. We have also tried to reach out to their attorneys, XXXX XXXX. We do not understand why not a single attempt is being made to review our modification package. We are qualified for a loan modification. We would like to be reviewed for a loan modification to help save our home.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX XXXX as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since XXXX and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The creditor is reporting inaccurate information that my last payment was in XX/XX/XXXX when it was in XX/XX/XXXX to XXXX. If the correct information was being provided, it would be beyond the statute of limitations and I would be within my rights to have it removed. I wrote them a letter advising them to correct the information they are reporting immediately. The report they made to XXXX has no payment history, so the credit agency wo n't validate my complaint to them.

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 10/17/2017 about Debt collection (Mortgage debt) with SUNTRUST BANKS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: 1. Around XXXX XXXX & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with Suntrust Bank attached will be the XXXX recorded satisfactions/release while the judgement on this mortgage was left opened. 
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to Suntrust Bank & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which Suntrust Bank told us was OK to release to them their attorney.

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