milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (OK).
Issue: Managing the loan or lease

Complaint: I recently paid off a vehicle with Chase Auto Finance, the exact date being XXXX XXXX ( considering we were n't allowed to submit payments XXXX XXXX XXXX ). The normal procedure as stated on the website was then to issue me my title to the vehicle within two business days. Well, it has been over a month and I have yet to receive it. I have called numerous times and each time I speak to someone they have to issue a " request '' to a different department to get my release issued and title mailed and also, to close my account. They then give me a ten day deadline, and ask that I call after the ten days has ended. Each time, they simply postpone the deadline. I finally drive to a storefront Chase Bank who then says they are going to overnight me my title. I received this letter the next, and all it includes is a lien-release. I go to the XXXX who then says they can do nothing for that. All I want is my title, which I rightfully own, and for this company to stop reporting to the credit bureaus that I have an open account when I paid it off over a month ago. I have been a good customer and have paid my loan in full in good faith, and they ca n't even issue me my title to my vehicle and give me what I rightfully own. This has even prohibited me from selling my vehicle twice, a total of {$25000.00} lost.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I applied and received a loan for {$1500.00} through XXXX XXXX from Sally Mae I finished my my courses and soon after XXXX XXXX no longer existed. During the the courses of my classes XXXX and was unable to work. This all happened well I was in school. I was on unemployment and making payments to the company. Years have passed and i recently got a job where they recently started to garnish my wages. I called and talked to the people and was going to set up payment arrangements but I was talking to XXXX of them and found out they were trying to say I had XXXX loans out which is amazing not true now I think I 'm being taken advantage of and I did a little research and seen that Sallie Mae is getting sued for taking avenge of other people and there a lawsuit filed against them. I would like contact from you guys and see what my choices are cause I feel this is unfair. People are trying to better there life 's and company 's like these are taking advance of people they think wo n't fight back. I know I owe something but for {$1500.00} my loan to the company changing me over {$8000.00} is just ununexpectable.Thank you for your time. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with CORELOGIC INC (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: While applying for a mortgage our mortgage provider worked with CREDCO to pull my credit report. During a rapid re-score CREDCO improperly pulled my credit on both XXXX/XXXX/2016 and XXXX/XXXX/2016 creating XXXX separate hard inquiries which negatively impacts my credit score. The double pull was an error on their part and should be corrected. We 've requested CREDCO report this error to the CRA 's and they 've refused.

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 06/30/2017 about Debt collection (I do not know) with The CBE Group, Inc. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Over the past 5 years they keep putting my number into their automatic call system. I tell them to remove it and it start happening after about 6 months. they were calling every day at about XXXX for the last month XXXX 2017. I ignored it this time and finally called them and they said they would remove it again. I want them to remove my number permanently. They call from XXXX looking for a 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 09/28/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit card protection / Debt protection

Complaint: Each time I attempt to log into to Chase.com to pay my credit card ( now three months in a row ), they state that my info is not in their records. I am required to submit info again to get a text message and reset my password. I follow that step and pay, log out, and then log in again and the same thing happens with the new password. This is a 0 % balance transfer card and I believe they are trying to inhibit me from paying by the due date in hopes I will forget or miss the deadline so they can begin charging interest. I have been quick enough to reset days in advance but almost forgot because it takes XXXXXXXXminutes to go through this process.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I reported Fraud to One West Bank on XX/XX/XXXX. One West is always closed, computers down for days, hanging up on customers, etc. One West keeps LYING putting off CREDIT to my account. I went in and signed a Fraud Affidavit dated XX/XX/XXXX WHICH IS ATTACHED AND CALLED Fraud into Customer Service. Everyone said I would receive credit in 10 days. Then One West lied and CHANGED IT TO 10 BUSINESS DAYS. On XX/XX/XXXX XXXX XXXX, Supervisor PROMISED my account would be credited on XX/XX/XXXX. I HAVE NOT RECEIVED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC ().
Issue: Loan modification,collection,foreclosure

Complaint: I have a Town Home in Hawaii and my ex-husband and I rented it out when we left Hawaii in XX/XX/XXXX to go overseas to work in XXXX on a XXXX. The earthquake that occurred XX/XX/XXXX in XXXX was unexpected and put our family under hardship and we had to leave XXXX un-expectantly and are now living overseas. As a result, we have been struggling to make payments as the family hardship with the evacuation from XXXX 's natural disaster took its toll on us financially. 
We have been working with the lender over the years to attempt to do a short sale and have had an attorney assisting us. However, the bank has always declined our offers. We have recently received XXXX offers on the townhome ; one cash offer and need a response from the lender. The lender 's legal representative XXXX XXXX XXXX XXXX XXXX XXXX was asked by my attorney to provide feedback and official pay off amount, so we can progress with a sale. Based on the offers we have in hand, I do not believe the bank will lose any money, but I can not be certain without information from them. The request for information was asked for on XX/XX/XXXX and we were assured we would have a response within four days. It has now been over a month and we still have not received anything. I have called them personally as well as my attorney and no one is getting back to us with information. We are going to lose these buyers and I have been notified today XX/XX/XXXX that the cash offer has withdrawal, so we have lost our guaranteed sale. 
It is my understanding that the loan is held by OCWEN. I am looking for timely responses from both OCWEN and their legal representation, so we can get this townhome sold and these accounts settled. 
We are feeling that they are treating us unfairly and we have now lost a very good opportunity to recover some of our financial results of our hardship. At the end of the day, we are trying to do the right thing and six weeks of silence is unprofessional, unfair and a little confusing, which leads me to believe it is a deliberate action by OCWEN and their legal representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: SLS, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, XXXX 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, SLS filed foreclosure complaint without any default judgment or judicial process.

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 03-05-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I made a cash deposits of Approx {$5000.00} and {$3000.00} at Bank of America into 2 business accounts that have no connection to my personal Account. I was asked to swipe my debit card because It was cash I was depositing. I swiped. The next day I noticed a {$1500.00} withdrawal from my personal account as a counter withdrawal at the time of the deposit into the business account. I immediately called the bank on XX/XX/XXXX To file the claim. To this day XX/XX/XXXX there has been NO resolution. 

Bank of America XXXX XXXX NJ 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 monetary relief
Consumer complaint received 04-09-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: tried to talk to someone on the phone because I paid for my credit score but it was never sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/16 Nationstar had their 3rd party vendor XXXX XXXX XXXX secure the property i own and live at XXXX XXXX XXXX XXXX XXXX NJ. House was not vacant, i lived there and was in the process of negotiating a short sale with Nationstar. When i came home i couldnt get into my house a lockbox had been placed on the door. When i finally got in, I was horrified to find ALL of my belongings gone. everything I ever owned. To this date, neither Nationstar or XXXX has returned my belongings, which were most likely thrown away. Nationstar didnt bother to speak with me or my agent about securing the house, and now i have no clothes, no personal documents, etc. I was left like a dog in the street. I want NAtionstar or XXXX to return all my things or to compensate me for the things lost and for the pain and suffering, along with the health issues I have now had to deal with because of this traumatic event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 am requesting that EQUIFAX remove tax lien # XXXX ( filed date XXXX ) that is listed on my credit report in the amount of XXXX. 
I have disputed this tax lien several times with EQUIFAX in the last year. The attached tax lien only shows the last 4 digits, no dob, and an address that I 've never lived at. The National Consumer Assistance Plan ( NCAP ) states liens must have a full name, address, SSN ( full SSI, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the NCAP new rules that went in effect this past XXXX. I called EQUIFAX in XXXX XXXX and told them it does not meet the new rules, but they refused to delete it and advise me it would remain on my credit report. How can they just ignore the new rule? 

I told the operator that I was left with no choice but to file a complaint with the CFPB. I 'm requesting CFPB 's assistance in getting this tax lien removed from my EQUIFAX credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX after completing the 3 month trial payment, forbearance plan, ( repayment plan ), I  received the loan modification agreement had excessive fees of over {$100000.00}. 
My regular principle balance was to go from {$96000.00} to {$160000.00} and my deferred principal balance was to go from {$96000.00} to {$140000.00}. I was to sign the agreement and have it back with in 3 days. I called my mortgage service provider on these excessive charges and was given an answer that my loan was figured out at 40 year payoff. I also brought up that it couldn't be correct since a balloon payment was expected in 18 years. I denied the modification, paid the arrears in full and mailed it XX/XX/2018. Received a letter from them on XXXX, dated XXXX, stating that all monies submitted were put in a forbearance suspense account and that {$250.00} of the remaining funds are applied toward the suspense ( partial payment-credit account ). I requested that any overage in payment are to go to my interest bearing principal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was astonished once I viewed my XXXX, XXXX and XXXX  credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I continually experienced additional fraud to my name and social in spite of the efforts made to prevent it. The following additional accounts are a result of my identity being stolen and need to be documented and removed from my credit report. 



XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with TD BANK US HOLDING COMPANY (MA).
Issue: Rewards

Complaint: I am writing you to lodge a formal complaint to TD Bank regarding the sudden, unjustified closure of my TD Cash Rewards credit card account. 

When I opened the TD Cash Rewards XXXX credit card account on XXXX/XXXX/XXXX, there was a promotion attached to my account for " Earn 5 % cash rewards statement credit on eligible purchases with your TD Cash Rewards XXXX card. Eligible purchases include dining, groceries, gas and cable, phone and utility bill payments for the first XXXX months after account opening ''. Everything was fine for the first XXXX months. However, in the XXXX month, all grocery store purchases I made between XXXX only earned me 1 % cash rewards. I called TD bank to inquire about the missing rewards on XX/XX/XXXX and without any notice in advance my credit card account got cancelled on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently moved from XXXX to XXXX. I attempted to open a checking account at XXXX XXXX and was told Experian had a fraud alert on my credit report. In addition to my SSN they have my late mother 's SSN ( same name as mine ) and have listed me as deceased. I 've written to Experian and have received no reply.

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 09-06-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called adastra recovery services because I recieved a scam call claiming to own the loan. XXXX XXXX reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to XXXX XXXX and there quality control Specialists they then sent the debt back to speedy cash " the original debt ''. Speedy cash did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because speedy cash said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I are XXXX and receiving Social Security. In XXXX I lost my part-time job and my husband became XXXX. We were not able to pay our property tax for 1 1/2 year. {$1100.00} in XXXX and {$2200.00} in XXXX. I went to Tax Assessor Office so we can defer our payments ( See attachment : Deferral Affidavit ) and was approved. My husband and I planned to pay-off the car ( which is almost done ) first, then we can proceed with the property tax. I received a call from Wells Fargo Mortgage XXXX XXXX, XXXX informing us that WF Mortgage paid our property tax and immediately repay them for {$1000.00} per month that is including our mortgage of $ XXXX ; therefore the {$410.00} goes to the property tax they paid. The {$410.00} will be paid for 24 months as told by WF Mortgage ; this will total to {$9900.00} in 24 months which will inflate to 200 %. I told WF Mortgage that we can not afford it and importantly, we were approved by the Tax Assessor Office of deferral payment. I also informed WF Mortgage that there was no agreement to pay them escrow ( See attachment : Loan Payment Information ). Paying them this amount monthly will cause us to lose our retirement house and will result to severe hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Diligently making my mortgage payments for the life of the loan, on XX/XX/2017, I was unable to make the final payment, due XX/XX/2017, for the {$720.00} balance due. Unable to make the payment on-line at the BOA web site, I went to the local branch in XXXX, where I live, presented the XX/XX/2017, monthly payment coupon and check for the {$720.00} balance due to Teller " XXXX '', who was unable to accept my payment due to a " computer error ''. Teller " XXXX '' then contacted BOA Relationship Manager, XXXX, to request assistance. XXXX was also unable to accept my {$720.00} balance due payment to pay the outstanding mortgage in full. 

Additionally, though the web site notes a charge of {$6.00} for making an on-line payment 10 days or more past the due date, my attempt to make the payment due on XX/XX/2017 on XX/XX/2017, noted a charge of {$6.00} to make that on-line payment the day that it is due. While that was clearly a glitch, the important concern is ; why should Bank of America be allowed to charge an additional {$6.00} fee to make an on-line payment when there is already a provision to charge a late fee for payments made greater than 16 days past the payment due date. Seems lie Bank of America is pyramiding an unjustified charge of {$6.00} for the privilege of making one 's monthly mortgage payment on line before a standard late charge would kick in as in their standard mortgage contract.

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