milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been struggling to make my mortgage payments of {$2400.00} per month. I have consistently been late, however, I have consistently made them. I am currently only 45 days late XXXX XXXX & XXXX XXXX and I am prepared to make the XXXX payment, which will make me only 15 days late. I am currently paying 7.5 % interest. Suntrust is my loan servicer and XXXX Bank is apparently my loan investor. I have filed all of the mortgage modification paperwork necessary. I would consider any option which would allow me to keep my home ; however, modification of my interest rate was really what I would prefer. I got a call yesterday, from Suntrust, informing me that they would not modify my loan. The only option they gave me was a short sale they did not offer me any other options. 
Unfortunately, because I have liens ( which I am servicing ) on my property, I can not sell the home. Also, because my mortgage payment just want from interest to interest and principal, I am unable to rent my home. Finally, I can not refinance because my credit is so bad. I want to keep my home ; however, I can not continue to make payments at 7.5 % leaving me only XXXX option, which is to fall into foreclosure. If Suntrust and the investor would lower my interest to a reasonable rate I would be able to make my payments in a timely fashion and avoid the monthly penalties and fees that I am being charged ( currently approximately {$7000.00}. ) Additionally, and as a second complaint, Suntrust has repeatedly harassed me by phone. I notified them in writing to not contact me any further. After written notification not to contact me by phone, they continued to call me repeatedly. In fact, they sent someone to my home XXXX evening who left a note on my door telling me to contact Suntrust about my mortgage payment. ( see attached letter XXXX If Suntrust files for foreclosure, I have every intention to countersue them XXXX and XXXX Bank, the investor ) for violation of state and federal law related to their repeated harassment. 
I need help ... .I can make the payments however as long as the interest rate is 7.5 % I will continue to fall behind, continue to incur ridiculous penalties and fees, and will fall into foreclosure. 
I am simply asking Suntrust and the investor to lower my interest rate. I have filed all the mortgage modification paperwork and the only option they gave me as to short sell the home. No other options were given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was bought by Nationstar Mortgage on XXXX XXXX 2015. I was notified by the previous Mortgage holder ( XXXX ) that it was sold and to make the next scheduled payment to them as I was to be receiving a welcome packet from them " any day ''. I never received the packet and it took hrs on the phone with Nationstar to attempt the payment with negative results. I had to go back to XXXX to make the payment. Through XXXX my new acct number for Nationstar was obtained. Since that payment, I have received over XXXX phone calls to my residence from Nationstar. The person calling identifies him or herself as a rep from their Company and asks for my SSN, DOB and other sensitive information. They advised me it was for their debt collection bureau. I told them I pay my bills on time and asked to speak to their supervisor and they wouldnt put one on the phone. I have received at least 3 calls a week from private numbers, different XXXX and XXXX numbers all stating the same. They stated they will not be stopping until they update the information for debt collection regardless of the fact that I have made each and every payment for both this current mortgage and my previous home 's mortgage on time. I finally received the welcome packet from Nationstar this week..It has been about 4 weeks since they have held my mortgage. I never asked for their service and I dont like their company. I am being harassed now by a Company in their efforts to update their debt collection records and I have no issues paying my debt with them even though I have never asked for their service. They are rude. They are violating Penal Law section 240.30-1 in the NY State Penal Law where as their calls are both unwanted and annoying, repeated and alarming. They need to be stopped as they are effecting the quality of life in our home. Making us shut our phone off and ignoring phone calls. WHY and HOW do they get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, Ditech decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust Ditech. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to Ditech in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now Ditech is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of Ditech 's incompetence. Or are they just being vile? Ditech has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with Brennan & Clark, Ltd., LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I started receiving a voice message for something I am not related at all.
First voice message : Monday XXXX XXXX, 2017 at XXXX ( PST ) This is XXXX XXXX with the offices of Brandon and Clark my -- -- -concerning your other time senseitive legal matter that I am assuming you 'd prefer to address the -- -- - escalates but in order for you to accomplish at this point it 's imprerative that you contact me immeediately my phone # XXXX extension is XXXX.
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Second voice message : Wednesday XXXX XXXX, 2017 at XXXX ( PST )

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 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I filed an dispute with Capital One Bank on.XX/XX/XXXX.Advised Capital One Bank to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, Capital One Bank that they are allotted 30 days to provide disputed results to me. Never received correspondence from Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: I do not allow XXXX XXXX XXXX involved with XXXX and No allow U.S. Department of Housing Urban Development involved my bank account as include new account from Chase Bank or any bank branch, it was not safety for me using bank router and bank service from XXXX XXXX XXXX. I do not happy with XXXX XXXX XXXX because of they do not like my appearances complaints. NO Allow for XXXX XXXX XXXX get involved with tenant 's bank accounts! I do not like XXXX with U.S. Department of Housing with my sad icons on rent paid because of unfit Oregon resident and bad people of employees related with XXXX XXXX XXXX discriminates against XXXX XXXX tenant in our housing issues continually with used two-faces since 1986 records. They had too stubborn and quit jobs to other places to employ avoid of my appearances and many serious reasons. 

I COMPLAIN AGAINST XXXX XXXX XXXX WITH U.S. DEPARTMENT OF HOUSING URBAN DEVELOPMENT INVOLVES WITH MY SENATORS POLITICAL LETTERS AND CONSUMER FINANCIAL PROTECTION BUREAU HARMS MY LIFE EGO, I COMPLAIN AGAINST PUBLIC E-MAIL WHICH XXXX XXXX XXXX RECEIVE THIS DOCUMENT THROUGH SECRET SYSTEM WITHOUT MY KNOWLEDGE EMERGENCY REPORT TO POLICE EMERGENCY NOTIFIES TO XXXX XXXX XXXX AND U.S SENATORS. EMERGENCY PULLING ME OUT OF THIS EVIL HOUSING! XXXX XXXX XXXX AND U.S. HOUSING URBAN DEVELOPMENT RESPONSIBILITIES FOR DISCRIMINATION AGAINST XXXX AGAINST XXXX XXXX XXXX, TELL MALE AUTHORITIES PULL ME OUT OF THIS HOUSING EMERGENCY RESPONSES : EMERGENCY FORWARD TO XXXX XXXX XXXX. I COMPLAIN AGAINST THIS HOUSING SMELLS MY FINANCIAL HOW MUCH MONEY IN THIS ACCOUNT AT THE BANK! IT WAS NOT SAFETY FOR ME USING TO LIVE IN BAD HOUSING ADDRESSES! IN ADDITION, I WAS NOT HAPPY WITH XXXX XXXX XXXX CONTINUALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: on XXXX XXXX, 2017, I received a letter from Key Bank closing our checking account for : your account relationship poses excessive risk to the bank. 
I had the same bank for over 43 years ; I have NEVER had any issues, such as over drafting or anything. 
When I received the letter I went to the bank and they informed me that : they or I can terminate the business relationship at any time without any explanations, thus, they dont need to provide me with any reason. 
That I was a great customer never had problems with me or I with them and " I 'm sorry is nothing that we can do ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Problems when you are unable to pay

Complaint: It became necessary for me to accept a loan modification agreement to ease the financial burden placed upon me. 
I asked for the complete documentation so I could look over the details. I was told by One Main Financial representative that no other documents existed and that it would remove the late payment history from my credit report. 
I was also told that there would be no extra charges for doing this. I continued to ask for paperwork which I was told did n't exist. I was told that I only needed to worry about the one piece of paper, which only included new interest rate, length of new terms, and total to be paid back. 
Now on my last statement is a remark of an extra charge of almost XXXX that will be added at the ending date of the loan. None of this was divulged to me before signing the agreement. Now they say they are going to mail me the full agreement. It seems to have magically appeared with the company but I have never seen it. 
The representative that did the loan modification does not work there any longer and all I have gotten as an answer is " we are sorry and you will see when we mail you the documents. '' Also the original loan is still showing on my credit report as late. I was told by their representative that this modification would bring my account to current status and my credit report would reflect this. 
So far this is not true. I have been lied to, pressured into signing the loan modification agreement before they revealed all details of the agreement. And now they want to reveal documentation that I knew existed but was told by many reps of the company several times before and after signing that did n't exist. I was rushed and pressured into this agreement and assured the whole agreement was on 1 piece of paper. Just sign, and return with a check. I did what they asked but they never divulged the full agreement. Only a cover page with basic terms ... ..nothing said about add-ons at a later date or ever. Now they say they have both agreements and will send them out to me and they are sorry that this has happened. This apology does not excuse their practices, nor does terminating a representative or having a representative quit. It was the rush, pressure, and misinformation from this representative that the company is responsible for. 
How would you feel if you bought a new car and found out on your 5th payment you were going to be charged extra for the tires that were on it????

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: in the last 60 days i have requested from EQuifax credit reporting agency a physical verification of consumer documents in their in their files of a CH XXXX Dismissed Bankruptcy that has been placed on my credit report i have ask them for a physical verification of how the this information was obtain well it be from third party source, i have not receive this information as of yet, this dispute falls under the fair credit reporting act section ( 609 ) i have a right to this information since it is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of XXXX, I was approved for a {$600.00} personal loan by the XXXX XXXX XXXX XXXX of XXXX, NJ. I paid the loan off in XXXX of XXXX, the final payment being a little over XXXX days past-due. That is how the account was reflected in my credit reports, until XXXX of XXXX, when all of a sudden, it started showing I was past-due XXXX days. The dispute number I cited above, which was for a dispute with Equifax, is one of several disputed I have submitted since I discovered this on my credit report. Each dispute has been to NO AVAIL. The continue to report the offending information and I keep hearing the same excuses from the credit union and the credit bureaus. The credit union says they took the necessary steps to remove the item and the credit bureaus INSIST that they only report what the credit union submits to them. I do n't know who to believe. By now, I am thoroughly frustrated with this highly impersonal and anti-consumer process, which has proven to me how powerless we are in situation like this. I need someone to SUPERVISE the provess, on BOTH ends, so this can finally be resolved. This has affected my ability to get cheaper credit, apply for work, or apply for an apartment rental. I am appealing to you as a last effort before I seek legal representation, although I feel I should n't have to. THIS IS A STRAIGHFORWARD CASE. What they are reporting is INCORRECT, and is damaging my credit score by approximately XXXX points!! Please investigate this and help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with ALTERNATIVE DISPUTE RESOLUTIONS (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: There are many complaints about this company : They did threaten to come to my home and " arrest '' me. After the XXXX call, I called and left a voice mail message asking them not to contact me by phone again. If I have a legitimate debt, I told them to send it to me in writing. I received a call from her again the next day as well from another woman representing the same company. This woman 's tone was not as aggressive but she also threatened me. I called again, left another voice mail instructing them not to call me any more and to send me something in the mail if this is a legitimate debt. I also told them I would be filing a complaint against them. XXXX of them calls from a toll-free phone number and the other XXXX calls from a local # XXXX phone number that just rings when you call it. No voice mail. 

In addition, they also called my XXXX year old mom and also threatened her AND DISCLOSED personal information to her about me which made her very upset and nervous because they were telling her I needed to go to court otherwise I would go to jail!! 

Please stop these people and let me know if there is anything that I can do to HELP you stop them!

Company response to consumer: Untimely response
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Before XXXX purchased this student loan from XXXX i was under an approved Deferment and i am seeing that I have been reported 60 days late XX/XX/XXXX and XX/XX/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 non-monetary relief
Consumer complaint received 11-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was told in XX/XX/XXXX that i was eligible for an " auto pay '' program and as a result my next payment would n't be due until XX/XX/XXXX, so I made plans with the extra money in XX/XX/XXXX. I spent some and put some into savings. XX/XX/XXXX I got a call from Navient in which they informed me that they made a mistake and that I was n't eligible for the " auto pay '' and, as a result my payment is now past due and I owe for XX/XX/XXXX. I now have to take money out of savings to cover the mistake. 
I do not trust these people to be handling my debt responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit card () with CITIBANK, N.A. (CT).
Issue: Customer service / Customer relations

Complaint: After using my credit card to make purchases, and paying off the balance in-store as allowed by the terms and conditions, my card was locked for review. I created a negative balance inadvertently on my account. I intended to make future purchases to rectify that, but once my account was locked for review i could no longer make purchases. After my second phone call inquiring about when my card would be unlocked, i was told " not to hold my breath '' and that I should request a credit for my credit balance. I replied that i didnt want a credit refund, i wanted to use my card again. On my third call, i requested a refund check for my negative balance, as directed by the representative. On my fourth call, after about 4 weeks of not having the ability to use my card, i called again today. I was told that my card was still under review, with no way to tell when the review would end.

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