milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2015 about Mortgage (Other mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: PHH Mortgage XXXX has engaged in a pattern of action that has prevented me from submitting a complete modification package. PHH actions have included : Refusal to access or acknowledge previously documented instructions and communications by PHH personnel to me with respect to steps to avoid default Case Managers/single point of contacts have stated " I do n't have access to your file or any records of previous conversations '' ... '' it 's not my job to find out what anyone in another PHH department told you '' Threats including threats for me to not communicate in writing Repeated loss of documents and accusations of non-submittal despite my file being submitted by XXXX HUD Counseling Agencies and ( NACA and XXXX XXXX XXXX XXXX XXXX Misrepresentations, false statements from the beginning of my hardship to the present that caused me harm and prevented me from avoiding damage to my credit standing Instructions by PHH representatives that were misleading, faulty and harmful that caused me to lose options that were available to me prior to my home going into default Repeated refusal to provide accurate information on whom was the investor and/or the means by which the Investor could be contacted Refusal to answer questions or requests for informationListing my home for Trustee sale at the same time a review for modification was stated as being in process

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: It had taken me more than 20 letters and over 30 phone calls for this dispute of {$3700.00} with Chase. Merchant had a return policy of a full refund, and the return receipt stated as full refund, but the merchant only refunded me partially, so that there are still {$3700.00} was not refunded by the merchant. <P/>I had opened this dispute within 60 days of the bank required dispute window, and had provided all the necessary documents and had talked over 4 supervisors ; however, the personal who worked on this case kept confused with some facts : gift card is not USD dollar to dollar, some same amount before the return was not part of the return ... <P/>I kept telling Chase that {$3700.00} on my credit card on XXXX XXXX XXXX was not part of the refund to the return of the earring On XXXX XXXX XXXX. After discussion with XXXX, an account supervisor in dispute department, the dispute department had acknowledged that a mistake had been made to think this {$3700.00} on my credit card on XXXX XXXX XXXX as part of the refund I could not get a return refund without returning it later, right? This is another proof that this {$3700.00} was not part of the refund, so that XXXX XXXX still owes me {$3700.00} for a full refund indicated on its return receipt, provided. <P/>Since this dispute was submitted on time and all the proof/documents have been provided, it depends on Chase to fix up its mistake and chase my not-refunded money back to finish its fiduciary duty to a long term client. <P/>It is really a simple case : Under the federal law and the merchant 's return policy, I shall get a check of {$27000.00}, however, the merchant refunded back to my credit card of {$24000.00} only. Chase told me that they would n't enforce law on the merchant, but I had called no less than 30 times and wrote via Secure Message Center no less than 20 times to indicate that I want to continue dispute this case. And the Supervisor XXXX had kept this case open within 24 hours. Since then, this dispute had been dragged on for half a year. It 's time to chase the remaining portion back, {$3700.00}. <P/>Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: On XX/XX/XXXX  I submmited a complaint about Experian reported a  XX/XX/XXXX  days late payment with the company ;   XXXX   XXXX   ', this error caused a  XXXX  points down by  XX/XX/XXXX  is when Experian reported 30 days lat in   XXXX   XXXX  ,, after a submmited my complaint a week later, they experian reported other error now they reported 30 days late payment on   XXXX   XXXX  again this error is causing me big problems sice I coudnt get approved with some creditors, plus they lower my score at the same time, I m attaching proof of my   XXXX   payment.
<P/>
Please hel p me up to resolve this error since Im trying to buy a car.
<P/>
thank you so much in advance

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 09/21/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to get a copy of my pay history on my student loans. I would like to see a detailed record of any 30-60-90 day late periods. 
I also want to know where I can find or be provided with Policy on how and when information is reported to credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX account number XXXX.This account is listed on my report as last payment made XX/XX/XXXX, that 's incorrect my last payment was XX/XX/XXXX.XXXX fail to validate this account and my name is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have owned my home for 10 years. PMI was scheduled to be removed last year automatically when the original LTV reached 78 %. I applied for XXXX assistance earlier the same year and qualified for a very small adjustment ( & lt ; {$100.00} per month ) This apparently reset the timer on the PMI clock, but I was never made aware of this stipulation. ( My current PMI payment is {$200.00} per month ) Basically I used XXXX to save {$100.00}, yet continue paying {$200.00} indefinitely. Seterus will not remove PMI or provide me with an automatic removal date. I have never missed a payment and make plenty of money, the XXXX PMI each month is an insult that makes me consider walking away from the house.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Private Loan PAST DUE {$1600.00} Since  XXXX    XXXX   I have struggled with making payments of {$210.00} to Navient due to financial hardship. I became unemployed  XXXX    XXXX   when a teaching contract ended and started working as a substitute teacher making half the amount I was previously {$1100.00} a month. I tried to get certification as a regular teacher and failed so there was no pay increase. Left over unemployment checks and forgoing some other bills enabled me to pay up until  XXXX    XXXX   but I became delinquent in other areas. I was forced to go into a repayment plan for my credit cards and I had no one that could help me wit h Navient. I spoke with Navient reps every month until now stating, I do not have the money because I barely make enough for my rent {$680.00} and car payments {$380.00}, I also had to go on food stamps. They told me to just ask family which is extremely unprofessional. Navient would not provide any financial hardship programs and insisted their repayment plan would only go down to {$190.00} even though when they c alculated my income it was clear I could not afford it. I advised many times that I was trying to get a new job with no luck, but I was either mocked, yelled at or hung up on. I received a letter certified mail that my account will be transferred to a legal team and enter litigation on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I received another call from Navient, a rep suggested I sell my car or not pay the car payment so I could pay Navient. I stated if I do n't pay for my car I do n't ha ve one. They also stated they do not understand how my other bills are current as if I am choosing not to pay them. I told the rep, I was not making the payments on time and had to play catch up when the accounts became too delinquent. They admitted that my record shows I was making auto payments regularly until a few months ago. I replied yes that 's when the lower pay started to really effect my funds, I even asked my car financer for a month without paying as a promotion. It was a one time promotion for being a customer for 2 years. Navient stated they could only notate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Transaction issue

Complaint: Back on XXXX XXXX, 2015 I purchased a cell phone from XXXX XXXX using my credit card. When the phone did not arrive, I called to file a dispute on the XXXX of XXXX. I was issued a temporary refund to my account. I always make the habit of paying off my balance as soon as the charges clear the account before the statement is processed, so I paid the charge of {$1000.00} already back in the beginning of XXXX, but as of XXXX XXXX, I noticed the refund was taken away and I was rebilled for the charges of {$1000.00} and I am being asked to pay them XXXX even though I still do not have the merchandise that I originally paid for. I called several supervisors who claimed that a mistake was made and that I recieved XXXX charges and XXXX credits that should have cancelled each other out, but they would do nothing the correct this issue and I was forced to pay the {$1000.00} back to the credit card company to avoid a negative consequence on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt was paid in full XX/XX/XXXX and car was PAID OFF, yet Hyundai Motor Finance is still holding the title to the vehicle. I have contacted them MULTIPLE times about having the title released and as of today XX/XX/XXXX, the title STILL has not been released after multiple phone calls and assurances that they were releasing and mailing me the title. Every time I call they have some new form I need to submit which was not spoken of the numerous other times I 've called. I 've complied with their requests every time. The last time I called was XX/XX/XXXX and I was assured then that title was being mailed out after I sent them the odometer reading which was sent. Today when I called they told me I now need to send them a " Bill of Sale '' which I do n't have and had never heard I needed before today. I am trying to sell the vehicle and can not do so until I have the clear title. 

In addition to this issue, every time I call I have to go through customer service and sit on hold for over a half an hour before I get to speak to someone. Then once I get to a representative, I am put on hold multiple times while they " research '' the account. Each call usually takes an hour or more. I need a direct point of contact. I have asked to speak with the title department directly but " they do n't receive calls from consumers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I bought a XXXX Chev Malibu with about XXXX miles on it from XXXX XXXX XX/XX/XXXX that was sold to me deceptively.The salesman XXXX lied to me about what was wrong with it a When I asked about a concern during the test drive, he lied about the number of owners the had stating that the car had just been traded in a couple of hours before I came in to buy the car by an elderly couple, hence the low mileage and failed to tell me that they, XXXX XXXX had made a repair to the transmission in XX/XX/XXXX.3-4 mos.later the car stopped working totally and needed new transmission.After abt 2mos of back and forth with gm and the dealers owner giving me the run around and just not wanting to help even though they were deceptive, I had to pay XXXX and was reimbursed XXXX.I should not have had to pay anything.i was without a car for almost 2mos.After practically begging the dealership I was given a loaner 1 day before my car was repaired.Im a single parent and having to pay to get around for almost two months and having to come up with that much money was like having to come up with a XXXX.Gm decided to make arrangements after almost XXXX mos.They initially refused to due to the loan being too new.They financed a car that was sold to me deceptively and put me through so much to finally give me arrangements.This issue caused me to fall even further behind on other bills including my mortgage in which I had to get modified around the same time frame of XX/XX/XXXX.I have a mortgage that I have fell behind on now again and it 's going into default again.gm reposessed the car on Mother 's Day because it was 3 mos behind in which I thought that it was 2mos behind.im a single parent and I am employed.I have household bills, mortgage, tuition, my daughters graduation, a daughter in college and it 's has been impossible to do everything because I have not been able to catch up due to their car needing a new transmission and all of the other financial strains that caused me.Its not fair and I would like to know if there 's anything that can be done because I was deceived and it has caused everything in my life to go downhill financially including my health.I will take any advice that can be given.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I executed a HAMP modification to the original mortgage which increased the principal balance from {$230000.00} to {$270000.00}, a difference of {$41000.00}. Based on simple interest calculation of the principal balance pursuant to the terms of the promissory note - including provisions for escrow - only {$21000.00} of the {>= $1,000,000} increase was necessitated to bring the escrow and the loan interest accrual back into good standing. We have yet to receive any indication of who at Chase received the {$19000.00} or how it was applied, only that it increased the principal balance. With a principal balance that was inflated due to the {$19000.00} unsubstantiated increase to the principal balance effective XX/XX/XXXX ( the effective date of the HAMP modification ), borrower overpaid interest through XX/XX/XXXX. On XX/XX/XXXX ( effective date of the XXXX transaction ), XXXX XXXX closed a XXXX deferred loan for an amount totaling {$42000.00}, of which {$4800.00} went to bring interest current on the correct principal balance and {$15000.00} was applied to PITI monthly payments of {$1700.00} over the period XX/XX/XXXX to XX/XX/XXXX. Had the proceeds been correctly applied, {$17000.00} would have been applied to principal on a principal balance of {$240000.00} or those funds would have been available to make PITI payments using XXXX XXXX funds to XX/XX/XXXX ( vs. the end date of these payments on XX/XX/XXXX ). During XX/XX/XXXX, based on the erroneous internal accounting, XXXX initiated foreclosure. Borrower was charged legal fees and late fees which should not have been charged due to the incorrect representation of the balance due and other amounts due. Borrower in XX/XX/XXXX reached an arrangement with Chase to allow her to deploy approximately {$4000.00} she had borrowed from a family member to complete replacement of her roof. She had already expended {$5000.00} for this purpose and needed to spend the additional {$4000.00} to finish the roof. Chase agreed to allow her to do this inclusive of a 90-day payment moratorium, as they desired these improvements be made to the loan collateral. When the servicing rights were transferred to XXXX from Chase in XX/XX/XXXX, XXXX 's representatives in XX/XX/XXXX refused to acknowledge the payment moratorium and thus the dispute between borrower and XXXX, as it related to the balances due in principal, interest, escrow and the payment moratorium, began in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Other type of mortgage) with BARCLAYS BANK DELAWARE (OH).
Issue: Closing on a mortgage

Complaint: I purchased a sampler time share pkg from XXXX XXXX on XXXX for {$3900.00}. After 3 hours was rushed through contract and told many lies. Was told if after 2 yrs if did not continue, would be refunded purchase price. I am now told if it 's not in the contract I 'm basically out of luck. I was not told of required presentations if book a trip with sampler. I was also not told it was limited destinations. Then i was encouraged to get the Barclaycard, was told pmts would be {$40.00} a month, was not told, promotional rate would end in XXXX of XXXX and start paying interest. I have been told to contact the sales guy, do not have his info, keep getting run around in emails. I want this debt canceled, I have no intentions of using XXXX or barclay.

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 11/24/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Credit Managements has begun calling me incessantly and I do n't know why. I have no outstanding debt, all accounts are up-to-date, my credit score is in the XXXX and yet they keep calling. XXXX calls today between XXXX XXXX and XXXX XXXX ( Tuesday, XXXX ). I have asked them to stop XXXX by calling ( XXXX ) and by email ( www.midlandcreditonline.com/ ) and they continue to call. The only thing I can think is that they are calling for information on a relative who has some outstanding debt but that has nothing to do with me. I do not have any past due accounts and need these people to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (PR).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX filed a foreclousure claim against me on XXXX. Since then I had tried to resolve this issue and requested a modification of my loan under harp program. Since then I do have suffered almost all the bad mismanagement and horrors stories that you already know from other persons. My file of monthly requested financial information filed to XXXX and their service agents XXXX is like three inches tall and even though the Judge from XXXX Florida instructed them to resolve my case last year byMay XXXX and the diligence of my legal representative XXXX they never modified my loan. On or about XXXX XXXX i did decided to accept a very bad trial payment period of three months for which I did paid {$2100.00} each month up to XXXX XXXX. After my second payment XXXX changed their service agent from XXXX to Selene Financial and I do have made all my payments up to XXXX XXXX but Selene had not do anything to complete my modification request evaluation. Furthermore on XXXX XXXX they provided XXXX and XXXX information that I am delinquent for over 180 days which is totally incorrect and is hurting my credit score. I need your help to make Selene and XXXX finally evaluate and make me a reasonable modification offer under harp program or their own in house progrms on a timely manner. I am also suffering since XXXX XXXX and lost my wife because of XXXX XXXX and have been making all my efforts and sacrifices to resolve this issue and XXXX XXXX XXXX, XXXX and now Selene Financial have proven to be impossible to move forward even thoth the intervention of the Judge. My only hope is all the help you can provide me, thanks to all of you and Congress XXXX XXXX for their fights againts this abusive financial firms.

Company response to consumer: Closed with explanation