milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with CBM Services, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Listing on XXXX..CBM COLLECTIONS | XXXX XXXX XXXX XXXX XXXX | XXXX, MI XXXX PH XXXX XXXX XXXX Address identification number XXXX Account number XXXX  Recent balance {$16.00} as of XX/XX/XXXX Status Collection account. {$16.00} past due as of XX/XX/XXXX.
Date opened XX/XX/XXXX Details Account paid in full I contacted them recently after finding out I owed them, paid the initial off of 16, they informed me I had another pending amount, I paid that after talking with them and them informing me they would remove this listing.
Additional information paid in full in two payments, XX/XX/XXXX XXXX CBM SERVICES INC XXXX MI {$16.00}XX/XX/XXXX XXXX  CBM SERVICES INC XXXX MI {$80.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: C F P B The initial incident happened with  XXXX   XXXX ,   XX/XX/XXXX  the y issued me an " Interest Only Mortgage '' based on the monies I had invested with them. They (  XXXX  ) put 40 % of the initial value of my condominium  (  {$140000.00 } ),  10 Year -- Interest Only -- 6 % ( locked in   XX/XX/XXXX   ) (  XXXX  ) ( {$450.00} -- Ap p. Fee ( Returnable @ settlement ) {$56000.00} in an escrow account. With that account I could invest in Grade " A '' Stocks and Bonds, and put the proceeds in a Money Market Account, where my mortgage ( at the rate of 5875 % ) would be paid out of. I also added to that account the rest of my estate to a total of {$72000.00}. After 5 years ( and a crash in the market, where I could not transfer my monies out of the stocks and Bonds account fast enough with out getting permission from the Mortgage Dept. ( by that time my investment had declined approx. 50 % ). When my account fell below {$25000.00}, I was   contacted by   XXXX   XXXX   of   XXXX    XX/XX/XXXX  (   XXXX   XXXX   XXXX   XXXX   XXXX   Department and told not to make any more payments, so I could qualify for a HAMP by  XX/XX/XXXX .      1 )    XXXX    (   XXXX  )  Modification Request    XX/XX/XXXX   denied ( reason-Estimated value of condo was wrongly estimated at {$360000.00} not {$200000.00} its actual worth.      2 )   XXXX  (  XXXX  ) Modification Request   XXXX   denied no reason given.      XXXX   XXXX  sold Mortgage to  XXXX   3  ) OCWEN Modification Request   XX/XX/XXXX   -  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  denied ; reason (  XXXX  does not allow Modifications  4  ) OCWEN Modification Request  XX/XX/XXXX  - Ocwen Account Specialist,  XXXX   XXXX  recommended Modification  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   denied  ; reason (  XXXX  does not allow Modifications  5  )  OCWEN HAMP   XX/XX/XXXX   Ocwen  Attorney  XXXX   XXXX  recommended HAMP  XXXX   XXXX   XXXX   XXXX  ,  XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   (  ATTORNEYS AT LAW ) denied ; reason (  XXXX  does not allow Modifications 6 ) OCWEN Modification  XX/XX/XXXX  Ocwen Attorney recommended HAMP w/  XXXX   XXXX   XXXX   ,   XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ( A TTORNEYS AT LAW ), Ocwen recommended to contact HUD APPROVED HOUSING COIUNSELING (  XXXX  ). Contacted  XXXX   XXXX , at  XXXX  regarding scheduled Sheriff Sale on   XX/XX/XXXX  , He researched and  XXXX  does do Modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly.
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts?
2 ) What is the name of the person in your company who verified these accounts?
3 ) What documents did they use to verify them?
4 ) Please provide me with the name of that individual, their business address, and telephone number.
no responce

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: While applying for a home loan I noticed an errorounous note on my credit report related to XXXX XXXXXXXX. I have never had dealings with this Company and had previously never heard of them. Upon discussion with my parents they mentioned that a note was discovered on their credit report related to XXXX XXXX in the summer of 2015 and they got the Wisconsing Attorney General 's office involved to resolve. My father and I have the same name so it is possible that I have somehow gotten roped into this through that association.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I try to dispute items and was unable to dispute online. I keep getting error message with new credit report I view online on Sunday XX/XX/2017 and copy the newly updated credit report from Experian. Now, I am questioning late payments history. 
I am questioning the negative late payment history on my credit report Prior late payments will remain on my credit report for no longer than XXXX years from the date the delinquency occurred. 

I thought those negative late payment history is supposed to be removed from my credit report.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my XXXX report so the information had to be verified through XXXX as well as the company. Not only that, I called to have the security freeze removed for XXXX days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, XXXX had my address for the last XXXX years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX accounts were removed.

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 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, XXXX  and Transunion, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).

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 05-12-2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: Amerisave Mortgage Corporation offered me a very attractive interest rate in XXXX for refinancing my mortgage. I went ahead and applied for the loan as they guaranteed rate lock for a period of 60 days. They asked me to pay {$420.00} for payment towards Appraisal immediately. As soon as I paid, appraisal was done within XXXX days from the application date. I also submitted online all the documents they requested. Then they sat on my application for almost two months. When I followed up, they said they were busy with too many applications and offered to extend rate lock since they were delaying it. They did extend but kept delaying it further and coming back and asking some document or other. Today they sent me a mail saying that rate lock expired and I will have to go for whatever rate exists now. On top of it they are also asking me to pay for appraisal again saying that my appraisal report expired. It looks like that they have no intention of approving my loan application despite having very good credit standing. Now the rates have gone up and I lost the opportunity of refinancing at a lower rate. I read online and understand now that they do this for many customers. So I want to lodge this complaint and request you to take it up with Amerisave Mortgage Corporation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MS).
Issue: Trouble during payment process

Complaint: When i tried to set up a payment arrangement they would tell me I do n't have to pay cause I am not obligated I was like I am living in the house what do you mean then they explain its not a requirement I am still trying to work things out and the reps are not assisting in anyway I asked them to assist with putting the past due on the back of the loan and as of today 's date no one has assisted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Fell behind in payments due to medical issues. I was told by Greentree Financial ( now Diatech ) that I qualified for a loan modification. I submitted the tools needed for the loan modification and was denied because I did n't have a conventional loan. I was told to pay {$4100.00} by XXXX XXXX, 2015 by XXXX different people. When I called XXXX XXXX to make the payment over the phone, they told me that I had to pay {$11000.00} plus attorney fees because it is in foreclosure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Student loan (Private student loan) with Navient Solutions, LLC. ().
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I checked my account with Navient on Friday XXXX XXXX, expecting to see that my payment made on XXXX XX/XX/2018 to be creditted to my account. It was not. I had to ring Navient from the XXXX and was on the phone with them for about 15-20 minutes trying to figure out why my payment had not been credited to my account. I told the customer service representative that I also wanted to make a second payment this month. After being on hold for a few minutes, I was told my payment was actually received on XXXX XXXX but, for some unknown reason, their payment department have not credited my account yet. It says on my account that I might be charged a late fee because I 'missed ' a payment. I most certainly have not! 
I got off the phone unsatisfied with the answer from Navient about why my payment had not been credited to my account. I was told the payment would go through eventually. I checked this morning, Monday XXXX XXXX, and the payment is still not credited to my account and still says I am liable to be charged a late fee since I have missed a payment. When I asked the customer service rep about who I can speak to with a complaint about the payment situation, she informed me that there was no one I could speak with but that customers were ( and she said verbatim ) " allowed to send in a letter of complaint. '' I find it horrible that Navient does not have a proper complaints system and that I am being treated poorly. My payment is still floating around in Navient 's system, not credited to my account. As of today, they have had my payment for 20 days ( 14 working days ). I am not able to have the situation corrected in a timely manner by Navient. I make my payments by their draconian deadlines, they should be held to the same strict rules of acknowledging my payment and posting it to my account on the day they receive it. I find this situation completely unacceptable and intolerable.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with The Moore Law Group (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On  XXXX / XXXX /   16  I Filed complaintforOLD DEBT Collection on  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  : complaint #  XXXX . We did not hear from them again until today. Today we received a Court document from  XXXX   XXXX  of California  , County of    XXXX    located at  XXXX , Ca. saying that  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has filed a Substitution of Attorney -- Civil ( Without Court Order ) to new attorney The Moore Law Group,  XXXX  under name  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   ,  Ca.  XXXX . I would like to file a complaint against both attorneys who are harassing me in regards to this very old debt. Please contact this attorneys in regards to this complaint immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing statement

Complaint: TRANSACTIONS FOR XXXX XXXX # XXXX www.capitalone.com/XXXX The credit card company online notification was not reached via e-mail thus causing the account to be past due for over 30 days, when credit monitoring alert advised of such inquiry it was handle in the same day paid in full. I have called the credit card company and they have reversed the late dues and agreed to reverse the bad inquiry however they say the can only inform credit bureau they can not reverse the inquiry, which has caused the credit bureaus to lower score by XXXX points which sounds quite substancial and incorrect. 

Please remove bad inquiry as agreed by the credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Late fee

Complaint: I submitted an identical complaint against Chase in XXXX 2015 for unauthorized interest charges and after your involvment they resolved it. The Case number was : XXXX. However, Chase has done the same unlawful act of charging interest after receving payment. 

I had a {$5400.00} statement balance, which was due on XXXX XXXX on XXXX XXXX I had made payments totaling {$5100.00}. I was blocked from making the final {$310.00} payment by a 24 hour payment lock and I am willing to pay interest on that, but not on a {$5000.00} balance that was paid. 

I reached out to Chase to resolve the issue without CFPB 's involvement, but my request denied without any explanation. 

I am an XXXX # XXXX and now that they have done this a second time I am considering filing a unlawful business practices lawsuit under Business & Professions Code XXXX et seq. 

I also think Chase is engaging in this kind of behavior routinely of false interest charges and needs to be kept on a tighter leash. All documentation showing the payments were made is attached. The total interest charged was {$61.00} based on the {$5000.00} balance, which was paid. There was a {$310.00} balance on my statement and I was willing to pay the approximately {$5.00} on that, but now that Chase has made me to go to CFPB again for bogus charges I would like to pay no interest. 

More importantly other consumers need to be protected from these type of unlawful charges.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with EdFinancial Services (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan debt is crushing at $ XXXX. I 'm on a graduated plan paying {$400.00} a month which apparently does n't even cover interest at this stage. My rate is 5.25 % which I ca n't lower. My car loan is 2.99 % and my home mortgage is 3.75 %. I have an excellent credit score, but none of this matters. Something needs to be done about the rate and relief of our student loan debts. I did n't go to college for XXXX and XXXX degrees to live like this. I could do and be so much more without this bringing me down. Something must be done. I know I 'm not alone and hope someone is listening to what this is doing to us and how ridiculous it is. This should not be happening to us in this country. I did n't dream since I was a child to be the first in my family to graduate college and better myself to deal with this. I also graduated XXXX and got a XXXX in grad school. I did my absolute best and always strove to XXXX, but for this? Absolutely not. We all deserve better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: An account that was designated for my retirement located at the company named XXXX changed addresses and I was never notified, and then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX JP Morgan Chase bank cashed forged checks in amount of {$5000.00}, {$5000.00}, {$10000.00} and {$10000.00} respectively. Each of these checks were never authorized by myself and were deposited to an account not opened by myself. I was never aware or designated the funds to be disbursed from this account. I was not notified of these disbursements until federal and state penalties were incurred through the IRS when my tax preparation occurred. 

My identity was stolen and these transactions were based on fraudulent terms.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Other fee

Complaint: Recently, due to failure to renew their master agreement, XXXX and American Express have ceased their commercial relationship meaning that the XXXX American Express Card would cease to be valid in XX/XX/XXXX. According to a mailing received from XXXX, all outstanding balances on the American Express Card would be transferred to the new Visa card they are issuing to members. Disturbingly, the mailing indicated that the balance transfer would be assessed at the penalty rate even though the American Express account was in good standing. As this will result in a significantly increased interest rate on outstanding balances, even though the cardholder did nothing whatsoever to warrant that assessment, and such assessment is by the terms of the new Visa cardholder agreement illegal since under that agreement the penalty rate can only be charged if the account is past due or payments have been missed. In my view this assessment constitutes an violation of the Fair Credit Billing Act as it is imposing a penalty where none is authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Managing the loan or lease

Complaint: I had applied, and received a loan for a used vehicle from Navy Federal Credit Union. My wife had set up automatic deposit thru work payroll. Our first payment was split between XXXX different pay periods from my wife 's employer. The first half was received before the first initial payment was due. I, unfortunately, did n't realize that the second half, of the first payment, was going to be XXXX day late. 

I then received a notice in the mail about potential late fees and possible implications to my shares in our account. The payment had already been completed. There was n't even a XXXX day time period, before the notice was mailed out. Our credit worthiness is outstanding, and I ca n't believe that this was mailed out so soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.

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