milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: i have disputed this account on my credit report with experian XXXX XXXX XXXX acct # XXXX, experian did not do proper investigation and verified the account, i escalated my dispute XXXX, i have received a resolution that grants the account to be deleted as per XXXX who is servicing the XXXX tradeline, i want experian to delete this account immediately to enable me pursue my financial goal, i have attached a copy of the resolution letter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2015 about Credit card () with CITIBANK, N.A. (OR).
Issue: Billing disputes

Complaint: We have a contract with Home Depot for a Kitchen remodel, we opened a line of credit with them this was to be a zero interest for 2 years. Now after 6 months they have started charging us interest which triples our payment. We have called several times and they have agreed to make the change going forward but we are still expected to pay the inflated payment this month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In 2009 I attended XXXX. I applied for loans and once I was no longer attending the college I was told 6 months from then I would have to then repay these loan. Once this time came I called the loan provider which was then XXXX XXXX/Navient and was looking for advice on how to handle them and move forward as a young kid with not much educations on these loans other than applying for them. There was only one program ever pitched to me and it was loan forbearance. The only thing that was highlighted was that I would n't have to pay anything until another gap in time and it would be good for my credit. I was never told how these programs worked, the only thing I was told is if you ca n't afford the payment that is the only option. Now when I 've learned more and more about these loans I 'm also learning that there are way more programs that could have benefit me way more like the income driven repayment programs from the beginning rather then trying to start them after the damage is done from accruing tons of capital interest. It is like picking a name out of a hat whether or not you actually get a representative that gives you accurate information on how to manage your loans. Now they are stating there is nothing they can do. I believe the issue is the people you are looking to guide you such as Navient, there needs to be more mediation of their representatives & they need to be held accountable for their mistakes not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (ME).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I applied for a three month forbearance on XXXX/XXXX/2016 on all XXXX of my loans. I was told that my auto-debit enrollment would be cancelled and my next payment would not be until XXXX/XXXX/2016. Instead what happened was my auto debit was not removed and was charged on XXXX/XXXX/2016. The forbearance then applied on XXXX/XXXX/2016. I was also billed {$150.00} on XXXX/XXXX/2016 to finalize the forbearance, which while agreed upon, gave the impression that everything was set.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage note has an endorsement undated and the actual possession or date in which Bank of America came into possession can not be established. Assignment of mortgage was robo signed by XXXX XXXX. It is apparent Bank of America attempted to assign interest in itself and used false exhibit in my foreclosure case and recorded against my title which is Fraud.

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 02-08-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted General Revenue Corp 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XX/XX/2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: JP MORGAN CHASE Falsified documents sent foreclosure notices before I was even behind on payments. I contacted them repeatedly to get an accounting of the mortgage they sent modifications and proceeded with a foreclosure stating they complied with the RPAPL was sent before I was even behind in payments this is where the confusion started. In the 4yrs before the sale I repeatedly tried to work with JP Morgan Chase but the stated repeatedly they sent documentation and modifications which were returned but they claimed not to have received. 
They then stated they were no longer the servicer that we had to contact the new servicer. Yet the foreclosure documents only listed JP Morgan Chase and upon JP Morgan Chase own admission in a letter they had an interest in my home until XX/XX/XXXX 

They pushed for the foreclosure claiming they were not dual tracking when in fact they were since they had interest until XX/XX/XXXX. They held interest in my home until they knew they would be able to obtain it for {$500.00} WHICH IS WHAT THE REFEREE SOLD IT TO THEM FOR. 

No one addresses this fact?? That JP Morgan Chase received Billions of dollars to help with the mortgage fraud MY TAX DOLLARS so they can turn around and purchase my home for {$500.00}. JP Morgan Chase did not even have the original mortgage papers when I requested them, all they have are copies from XXXX County Court. 

JP Morgan Chase and their attorney 's swear to the accuracy of the documents which contain many inaccuracies. I have found that JP Morgan Chase with the help of XXXX XXXX and XXXX has done this to many people. 

I have attached a payment schedule where you can see XX/XX/XXXX payment was made in XX/XX/XXXX and they put it in suspense so they could begin foreclosure I am in the process of contacting every JP Morgan Chase foreclosure customer in XXXX County for the past 6yrs to  obtain the proof of the widespread consistent fraud they have perpertrated and how many homes they have STOLEN FOR {$50000.00}. Once I am done with XXXX County I am going to contact people in the 5 boroughs and numerous other counties in New York. 

Since I am being EVICTED from my home on XX/XX/XXXX due to this fraud I will have nothing but time to research this consistent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Mortgage (FHA mortgage) with FIRST MORTGAGE CORPORATION (WA).
Issue: Application, originator, mortgage broker

Complaint: We refinanced with First Mortgage Online through First Mortgage Corporation. We never had the FHA policy regarding if we sold and did not buy within a stated amount of time that our FHA Mortgage premium would not be returned to us. We just received a {$20.00} check from First Mortgage Corp marked " PIF '' on the check and telling us to cash it quickly as they are closing down their bank accounts. I would have no issues with the cashing the check if it had the other {$5500.00} attached to it! Once again, we did not received disclosure that the FHA changed their policy on this practice and who oversees the companies to make sure that they are following the laws ... as established by FHA?

Company response to consumer: Untimely response
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PLS GROUP, INC (MA).
Issue: Other transaction problem

Complaint: On Saturday XX/XX/XXXX, I did a bill pay at PLS CHECK CASHIERS on XXXX XXXX XXXX XXXX XXXX, Ma XXXX Of {$2700.00} and paid for a next day service Of {$2.00}. To XXXX XXXX XXXX for my Mortagage payment. On Wednesday XX/XX/XXXX, I checked my Mortagage account to see if it was updated with the payment and it wasnt. 
So I then call the PLS phone number on the receipt and I was told to come in store with the receipt, which I did. 
I spoke with the shift supervisor, she contacted PLS customer care, I spoke with the agent, the agent contacted My Mortagage company ( XXXX XXXX ) we were on a three way call trying to locate the transaction, however it was unsuccessful, the PLS agent was unable to track the funds, I was adviced to wait until XXXX for PLS to trace or locate the transaction as the funds were unable to be refunded to me until XXXX XXXX either receive the payment or reject the payment. I called the XXXX XXXX, payment was not received, I then called back PLS customer care, I filed complaint and was advice that someone will get in contact within 24hrs, which no one did so I called back and spoke with a PLS CustomerCare care manger explained to her the issue, ask if she could track the funds, and her reply was that shes unable to track or locate the funds. I asked her what must I do and she said she does not know. Its now XX/XX/XXXX and My Mortagage company still havent received this payment for XX/XX/XXXX. It is now reported to the credit bureau, which will affect the credit rating. 
Please note that I have been making payment using this method since XX/XX/XXXX. Also the account number on PLS receipt is the correct Mortagage account. 
Im just appalled that PLS was unable to track or locate the funds and seems nonchalant about the missing funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Debt collection (Auto debt) with VEROS CREDIT, LLC. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My loan payment to Veros credit was due on XXXX XXXX, XXXX I called on XXXX XXXX to set up arrangements and spoke with a rep who gave me the total amount due for XXXX and XXXX and I went online and set ily he automatic payment. Since I have received 4-6 phone calls per day, no messages left and then they started repeated phone calls to my job and then they started calling my mom. I spoke to a supervisor who told me their call log regenerates and they call any number they have on their. The phone calls I 've received AFTER speaking to their representative and setting up the electronic payment are as follows : To my cell phone # ( no messages ) Wednesday, XXXX XXXX -- XXXX, XXXX, XXXX Thursday, XXXX XXXX -- XXXX, XXXX Friday, XXXX XXXX -- XXXX, XXXX, XXXX Saturday, XXXX XXXX -- XXXX, XXXX To my MOMS cell phone : Saturday XXXX XXXX -- XXXX XXXX Friday, XXXX XXXX -- XXXX XXXX, XXXX, XXXX Thursday XXXX XXXX -- XXXX, XXXX, XXXX Wednesday XXXX XXXX -- XXXX, XXXX, XXXX I can not list the times they 've called work, but there has been repeated phone calls from veros credit to my work line but they hang up or do n't say anything per my coworkers. I called again on Saturday to speak to a supervisor or said there was no notes in my account but she saw the arrangement set up? The supervisor assured me that their collection practices were not harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (WA).
Issue: Loan servicing, payments, escrow account

Complaint: RE : CFPB # XXXX XXXX stated : " Our records indicate that XXXX XXXX 's 2014 property tax amounts reported to Provident Funding ( XXXX XXXX XXXX client and sub-servicer for XXXX XXXX ) were reported on XXXX/XXXX/2014 as XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014. '' I would like Provident Funding to verify or deny that XXXX reported to them on XXXX/XXXX/2014 XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014 regarding my property taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Student loan (Federal student loan servicing) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was told that I had to take out loans until my GI BILL started by the schools VA rep. The VA Rep miss handled my paper work for my GI bill and was n't turned in on time. I was told the school was accredited and I could transfer, that was not the case and was forced to finish my schooling. once I graduated I found out that I owed XXXX in student loans, which was the first XXXX that the VA rep never turned in paper work for. After years of going back and forth VA told me they could not go back and pay those loans even if it was school reps fault. By the time I went back to XXXX XXXX the VA rep had been fired and no longer there for the miss handling paper work and they could do nothing to help me at the time.

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 05/23/2016 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to IQ Data to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have a student loan that is decades old. Well over ten years ago when I wanted to return to school to finish ( I had 1 year to complete ) I was told that I would have to start all over! Therefore, since the education that I received did n't hold it 's value, I should n't be mandated to pay for something I did n't get. Moreover, since my efforts to get the matter discharged, all of a sudden they have discovered accounting errors and the balance grew. I have no way on knowing if their accounting is accurate. If they have poorly accounted my account, I believe they could have made costly errors on countless others. So, in addition of to there being an unknown disclaimer on my education, and due to the fact they made serious accounting errors, again, this loan should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: I have an auto loan with USAA and I chose auto pay and the payments began to default. I was unaware of this. USAA sid they sent out mail but I never received it as i have not been home. I have n't received ANY phone calls. Not one. I was notified by XXXX that my car payment went up and my credit report went down XXXX points. USAA claim to work in the XXXX favor. How is this working in my favor or best interest. My credit is being ruined by the very people that exist because I do. I was charged XXXX dollar late fees and my XXXX credit score ruined. When i called I spoke with 6 different departments in 2 days ( transfered ) and no one was willing to help. That is why I asked for a supervisor. No one is willing to remove the derogatory information reported on my credit report. Again no one tried to call me. Where does the Sailor Soldiers Relief Act come in to play? They do n't k ow if i was deployed or not. They did n't even try to find out either. They did the same thing when they denied my VA loan stating that i did n't fit criteria because i was n't going to occupy the residence within 60 days BUT for and active duty member it 's occupy within 6 months. Well my credit report was effected then too. I missed the house and my credit took a hit because they denied the loan and chose not to listen or research the information they were giving out. When i called and corrected them i received an apology and was told to reapply. The damage was already done. This is negligence and no consideration at all. Hassle free has been nothing but a hassle the past 365 days. Losing trust bad. They to nothing and do n't try and assist after the mistake was pointed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Student loan (Federal student loan servicing) with EdFinancial Services (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: After completing my XXXX degree, I consolidated my student loans in 2007 and my total was $ XXXX. 9 years later without missing a payment, I have paid over $ XXXX! My student loan has changed companies multiple times and as a result of a recessed economy and poor business practices, which were totally out out of my control, my loan has also restarted multiple times and I still owe $ XXXX. I am currently paying {$670.00} per month of which {$520.00} is going towards accrued interest NOT my principle. I have already paid an incredible amount with nothing to show for it but a 'generous ' offer from your customer service representative XXXX ( Edfinancial Services Case ID : XXXX ) to pay more! Is this how the American education system works for honest citizens who strive for higher education and learning? 
I would like to make a cash offer to buy out my student loans for {$20000.00}. That will give your company a total amount of over $ XXXX in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC has stopped sending me monthly account statements. I am a XXXX veteran who has to rely on a volunteer to come in to write checks for me. Not having statements makes it very difficult for me to make sure I am timely with my payments. I have called Ocwen about this problem and they have refused to resume sending statements. They hung up on me when I was explaining this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: At the apartment complex, XXXX XXXX XXXX, which I lived in at the time said email was not a written form of notice. By law, email is a form of written notice in the state of Texas. All months of rent that were included in the leading contract were paid. Payment was never behind and always on time. Returning the apartment keys in which I was living in, they informed me they never recieves notice, nor did they have the many complaints about mold in the facility I happened to be living in while XXXX. Proof remains in my hands, and after presenting them with this proof, they still denied everything. Legal action was taken and a lawyer sent a legal notice to the office. There was never a response. I, or the cosigner, never recieves any disclose that we would be sent into collections. We will take legal actions, obtain medical records of the illness I developed while living in a moldy apartment, and will provide evidence and proof of necessary, showing we were wrongfully sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt went through foreclosure. Debt is more than 7 years old. Instead of company removing from my credit report. Company keeps selling debt to " other '' companies and putting it back on my credit report as a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Bank account or service (Checking account) with U.S. BANCORP (IA).
Issue: Problems caused by my funds being low

Complaint: I bank through US Bank in XXXX Iowa, Address : XXXX XXXX XXXX, XXXX, IA XXXX. I have opted out from receiving over draft fees. However I am still being charged for them by manipulation of wording. I have attached a screenshot of my bank account balance. This fee is from US Bank because the ATM could n't retrieve money due to NSF. The fees are listed as the following:XX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Debit Purchase -visa Dd/br XXXX XXXX Ia {$9.00} - $ XXXXXX/XX/2015Overdraft Paid Fee Waived {$36.00} $ XXXXXX/XX/2015Overdraft Paid Fee {$36.00} - {$27.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation