milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I received mortgage assistance for the state of Arizona 's Hardest hit Program. This assistance helped me make my mortgage payment for a period of time. however, my mortgage servicer ( Shell Point ) is not showing credit for 4 payment sthat were sent. And I have asked them to research and correct this. This request has been pending since 2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I was not given the correct interest I would be charged and this was from XXXX. I'm just now hearing of this matter and it is now XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Credit card) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a small credit card account with 5th third bank that I rarely used and had a XXXX balance on. At some point they charged me an inactivity fee but NEVER sent me a statement via Email ( how my account was set up or us mail ) Causing me to go 30 days delinquent I caught this because I got turned down for credit and I got a copy of my credit report. 
I called 5th 3rd and sure enough they told me abut the issue. I Arged with them and they reversed all fees Late and inactive and closed the account for me. I asked if I was goinng to still be considered 30 days late ... They said no so I waited and ordered another credit report to find they still had me reported as 30 days late. I disputed the report and they responded that the reporting was accurate. I am attaching a statement to show they reversed the fees. I want my credit report restored to a never late on this account and I think 5/3rd should pay me {$200.00} for my time and inconvenience in fixing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: This XXXX on Thursday, XXXX XXXX 2017, I asked XXXX XXXX XXXX for my check cash which was a little over {$5.00} & she told me that she could not cash my check cuz I had XXXX cents balance on my checking account. Then she showed me that the check was from different Bank company, not Suntrust Bank. I told her so. I had checks cashed several times with small amount of balances on my checking account before. What is more, I will have direct deposit on every 3rd of each month. Also, I informed her that I was XXXX. She would not write to communicate with me being XXXX I even begged her PLEASE write me. That was 3 times to tell her please write on my writing note in nice way. She refused to write to communicate with me being XXXX That is against ADA law to refuse accommodating by writing on paper & pen to XXXX XXXX XXXX customers. She broke ADA laws by refusing to XXXX XXXX XXXX on paper & pen with me being 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 10/19/2016 about Debt collection (Payday loan) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX stated that they represented Nidland Funding claiming I owed money on payday loans. The representative researched the information asked me if I had any outstanding loans, to which I denied. They gave me an invalid email address that was stated as to belonging to me. The representative stated that she was going to contact my job and human resource department in order to serve me papers and to collect the debt. I asked her why not use my address. She stated that my home us private, my job is public and they can go on the premises and basically hung up in my face. First of all, I have not been contacted by this entity before as they stated on my voicemail ( which us saved ), claiming to have made several attempts. Once the representative research the information, I realized that most of the information was outdated, or no longer exist, and she was attelting to retrieve information from me that they did, not have. This company is trying to scam people out of money and it seem to me like they want to use my job as an embarrassment tactic to try and get money for a debt that I do n't owe. I have researched this company and have read numerous complaints and reviews and I did see where the company served papers to client 's residence. Midland Funding is very dishonest and fails to adhere to the laws concerning debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Student loan (Federal student loan servicing) with ACS Education Services (OR).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: EVERY year when we attempt to renew the IBR, the  paperwork gets lost or mishandled at Conduent ( ACS ). We spend hours re-submitting forms and making phone calls while the amount due which is greater than we can pay builds and shows overdue. The company eventually gets the IBR fixed, but forces us to additionally pay the overdue higher amounts, which is a real struggle for us.
Specifically, this year, we submitted the IBR requests via pdf email on XX/XX/XXXX and received a confirmation email onXX/XX/XXXX that showed they had received the IBR request and would contact us when processed. We heard nothing from the company until yesterday XX/XX/XXXX when our bill arrived showing no IBR at all. This happened for both my account and my wife 's, with the total payment due exceeding our combined monthly income. I called ACS and they apologized for not contacting us because " the pdf IBR application was cut off with only half the page visible. '' It is a PDF ... NOT A FAX and I confirmed that the image is complete. SERIOUSLY, what are the odds that two separate pdf docs ( one for me and one for my wife ), sent in separate emails were both " cut off ''???
Now they say we have to start over, re-applying for IBR, because the dates on the application are over 60 days. THE DATES WERE FINE EXCEPT THAT THEY DID NOT PROCESS THE ORIGINAL REQUEST OR CONTACT US THERE WAS A PROBLEM.
THIS OCCURS EVERY YEAR. 
My SSN XXXX My Wife XXXX 's SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed their system to be breached resulting in the loss of highly sensitive personal identification information on 143 million consumers. That is approximately 57 % of the entire 18 and older population of the USA. The information lost is a keystone on the USA financial industry and puts the consumers and the USA in significant danger. The current reaction from equifax is wholly inadequate. Who is protecting us and how will equifax be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a XXXX, which allows me a certain amount of forgiveness if I make 10 years worth of payments on time. In order to make this happen, I was told via phone conversation that I can not refinance my loans because that makes them ineligible to be forgiven. My loans, however, are currently untenable. I make a little over XXXX dollars a month and I pay XXXX dollars in loans monthly. The vast majority of these loans are from Navient. Currently, I 'm taking XXXX courses, so I do n't have to make payments right now. I am making XXXX dollars worth of payment on my navient loans to try to decrease them as much as possible. I would like to feel like a productive and successful member of society. I felt like I did things the " right way. '' I went to school, college, got a job ... I just ca n't help but feel this XXXX that I am never going to get out from under this massive beast of a student loan. Navient 's interests rates are absolutely ridiculous. I want to be a productive member of society that 's able to contribute to the economy, but I find myself struggling to keep my head above water.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting on my Equifax report they say I had a XXXX account I did n't pay this is not true I never have had a account with XXXX they told me it was opened under a XXXX XXXX I have never had the name XXXX XXXX I have never had a XXXX account. I am also going to contact my state attorney

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Trouble during payment process

Complaint: Have reached out to my servicer on numerous occasions to have our property taxes paid. Our house sits in a dual county area and requires taxes to be paid to 2 different assessors. We have our taxes set up to be escrowed and the correct amount is being taken to pay the entire amount. Our taxes are now 4 months past due and have added an additional $ 400+ in late fees as well. We have called multiple times since XX/XX/XXXX and this issue has yet to be rectified.

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 04-04-2018 about Debt collection (Other debt) with JSZ Financial Co., Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: JSZ Financial CO XX/XX/2015 balance showing on credit report : {$2900.00} This is NOT a valid account. I have reached out to this company with no resolution. The original debtor does not exist any longer as a property manager, and can not contact after many different attempts even looking them up via social media streams. I have attempted multiple times to have this company send me written proof of this debt and they can not provide.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a few loans with Chase bank. I have been unemployed for nearly XXXX months, and have been actively trying to find a job. Chase bank handed over their loan servicing to XXXX XXXX XXXX ( XXXX ). Last week, I spoke with a representative of XXXX, and found out the what needed to be paid on the Chase loans, and I asked them when I would go into default. The XXXX representative was unable to tell me when I would go into default. This Monday, I contacted XXXX with money which I was able to scrounge up, and was shocked to find out that my loan had already gone into default. I was n't notified in any way that I was that close to default. It struck me as a complete surprise. I tried talking with XXXX about my options, and they sent me to Chase which sent me back again to XXXX - ultimately XXXX huge circle of no one knowing anything. I want to know how to fix this and why was n't I better notified of my default. I 'm barely surviving as it is, suffering from diagnosed XXXX, and I ca n't keep up with these loans in this horrible economy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern, I have been in the process of refinancing my home through XXXX XXXX. My current mortgage company is Citimortgage. The process has been on hold for a month due to the lack of cooperation from Citimortgage. To complete the refinance I need to have a Verification of Mortgage from Citimortgage for both my accounts. In order to do this they needed to have a " letter of authorization '' from me. Which I have submitted several times. 
Currently, I am still waiting for them to submit the Verification of Mortgage to XXXX. I have been told they can only fax it to me, they can not fax it to XXXX, even with my authorization. Every time I call, I speak to a different individual, and every time I call I am told that they are sending documents out. Documents have yet to be seen. Then I call back again and they say documents were not sent out, because they need authorization. I am getting absolutely no where and making no progress in my refinance. Now that so much time has been lost, I am very afraid that this situation will have a negative effect on my financial situation. I have a son who is graduating this year from XXXX school, we are trying to make a college decision. I also will stop receiving child support the day he graduates. I do not think Citimortgage has the right to delay the process of the refinance. Their business practices are awful, not XXXX customer service representative can be held responsible because you can never reach the same XXXX again. 

I am very frustrated, concerned that my refinance will not happen because of their gross neglect to respond to me or 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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the late on my XXXX account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you

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 05/27/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In  XXXX    XXXX  , a {$200.00} charge was made on my account, however, a return of {$110.00} on the same  day (     XXXX   XXXX   XXXX   ). No statement or account information was sent to us for the remaining balance of {$93.00}.  The first time we were informed of the account having a past due amount was with a collection notice we received in the mail on or around    XXXX   XXXX   XXXX  . At that time, I logged on, not knowing that there were any charges on this account an d paid the {$93.00}. We also sent in an email to Target that we had not been receiving any statements, and that we would like them to reverse th e three excessive lat e fees that totaled {$100.00}, on the account. They reversed the interest charges but sent another collection notice via  US m ail on    XXXX   XXXX   XXXX  , wh ich we only received on    XXXX   XXXX   XXXX  .  I spent ov er 2 hours on the phone with different departments to close this account and asked to   speak to someone about resolving the {$100.00} in charges on the account. They told me that unless I paid the amount of {$48.00}, they would continue to fine me for not paying their fines and interest on the fines. I believe that {$100.00} on a {$93.00} balance is excessive whe n Target made no attempt to contact us to let us know about this balance. They have our phone numbers and could have easily had this resolved in 30 days ( as we have a history of paying our account in full ). Despite all of my attempts, I am being forced to continue to incur late fees and their interest indefinitely for non-payment of late fees, which I think is just unconscionable. They do their own collections, so while I would like to resolve this matter, they are not interested in settling it and I do n't want to continue to p ay fees when my account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: collection agency had my phone number, but called my wifes phone multiple times on the same day. she attempted to speak with them, but they would n't reveal the purpose of their call and continued to ask her for information about me. after I called them and requested to file a dispute ( because the original charge from XXXX was not valid ), they indicated they corrected my number and would stop calling while in dispute. 5 hours later, they called my wifes phone again. when I called to complain, they said they had no record of the call, but did show my wifes number was attached to my account and could offer no assurance that system would stop dialing here. 

they only had the account for 4 days and had already called 5 times in one day ( the 5th time being after I talked to them ), and did n't even call the primary number

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   is reporting  XXXX   XXXX  as a duplicate account already paid and closed.

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 06-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I feel that my bank chase is withdrawing money or fees for insuffent funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Nationstar Mortgage that I refinanced with another lender on XXXX XXXX. Nationstar managed an escrow account for this mortgage, but has failed to return its balance to me. I 've called the company at least three times, most recently today, to understand what is going on without success. 
I 've spent hours on the phone with Nationstar only to receive inconsistent responses, making me question whether Nationstar intends to refund the escrow in a timely manner. Nationstar representatives claim that they used the escrow to pay taxes due to XXXX XXXX ( FL ) in XXXX. However, representatives at the county tax office as recently as today ( XXXX ) indicate that they have not received this payment ; they have, however, received the property taxes sent by my current mortgage servicer. 
Nationstar insists that it sent the payment on XXXX and that XXXX received it on XXXX XXXX and that XXXX will ultimately refund the money to Nationstar, which will then return it to me but without any proof of this story. Nationstar will not provide any documentation to prove that XXXX has the money and given XXXX 's denial, I have no reason to believe that Nationstar paid the taxes to XXXX in the first place. Nationstar tells me this will take weeks to months to clear up which I believe is unacceptable. The money should have been refunded to me immediately upon paying their mortgage in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: lvnv funding proceeded to judgment in the wrong forum despite the fact i disputed the total amount of debt with original creditor and debt collector to no avail. they never validated the alleged debt lvnv has committed FDCPA/OCSPA VIOLATIONS- filing suit arbitrarily in wrong forum, and pursuing a debt supplier knows has been cancelled See ; State ex rel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Ohio XXXX. XXXX ) Section 1692e ( 5 ) of the FDCPA prohibits debt collectors from threatening or taking legal action that can not be taken legally. case-XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit card protection / Debt protection

Complaint: Chase Bank C/C Web site showed my payments made and complete. When in fact they were not paid and were retracted XXXX weeks later giving a scam artist the ability to snag {$100000.00} of my dollars. I was suspicious of this company so I covered myself with alerts on my account and watched it every day to know when payments were made and when charges hit. I received no alerts at all until I called Chase and told them that they had been subjected to fraudulent activity. 
On the web site a note pops up about Chase Bank verifying that any pay account is verified that It belongs to the account holder before approval. This was not done or I would not be in this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Summary of DisputeNationstar Mortgage reported me XXXX days late for my XXXX XXXX payment. I disputed this with them for roughly a year, back and forth, including multiple complaints to the CFPB, XXXX, Congress, and the TX state Attorney General 's office. Ultimately, I received a written letter promising they would remove the negative mark. I verified they did this in XXXX of XXXX ; however, they began reporting XXXX XXXX being XXXX days late again starting in XX/XX/XXXX/XX/XX/XXXX. I requested they fix their error and forwarded them their letter indicating they would remove the mark. They instead sent me a different letter stating they would no longer correct it. 

Necessary ResolutionBased on the letter I received, they have stated in writing they would reverse the negative mark, I am requesting the XXXX day late payment from XXXX XXXX be stricken from my credit history. I have provided the letter they sent me promising to correct the negative mark as additional evidence for my dispute and resolution.

Company response to consumer: Closed with explanation