milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I received a denial letter from Chase saying that the investment property in which I initial ask for a modification on was denied. There was only XXXX program that fit the scope of modifying my investment property which was a Home Affordable Modification XXXX Tier XXXX XXXX. The other programs listed several reasons why I could n't qualify for the other programs but the Home Affordable Modification XXXX Tier XXXX ) simply said the debt to income ratio could n't be calculated within the acceptable range of 25 % to 42 %. Based off the underwriter using a gross rental income of {$910.00} XXXX based off XXXX lease and not XXXX leases for this XXXX building XXXX it was easy to sumise that they needed all of the leases. I submitted all the perpective information by the end of XXXX with updated information and all of the leases. On XX/XX/XXXX I received another letter saying the modification was denied. After reading again through all of much the same information I came upon the reason it was denied in coralation with the Home Affordable Modification XXXX Tier XXXX XXXX. It now stated that Chase services the mortgage on behalf of the insurer and can only approve certain programs. Not only was this statement not on the first denial ( hence I would have never reapplied ) but it gives the impression that Chase strung me alone putting me in a deeper financial bind when they never was able to offer me a modification on an investment property. The entire process started XX/XX/XXXX and I received my first letter of decision on XX/XX/XXXX. I was informed by Chase that in accordance with my loan I could receive a modification on my investment property. Years later I find that they never intended on helping me but instead gives me misleading information, lies, ambiguious language, contradictory approvals and eventually sends me more in to a deeper financial whole. What Chase has done is not only morally wrong, but legally wrong to a homeowner. It goes against the principalities of what banking and Finance, consumer protection Federal bureau, and any other entity that oversees money and finance when it come to the public interest. Due to the uncertainties of the denial and the truthfulness of them Im still not sure if Chase offers a modification program for investment property. If Im to go buy the first denial letter I would say yes given the denial reason but if I was to go by the second denial it would be no which means this whole process has been not only a scam to further place a homeowner is a detrimental financial state but a waste of tremendous time. I also noticed that the eligibility data was not included in the new decline letter ( hmm I wonder why ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Hello, I just hung up with Navient, again and they were not helpful in understanding my questions. I am trying to understand how my loan with them started at {$36000.00} in 2002 and is now {$51000.00} while I have paid {$26000.00} over the life of the loan and it has n't even made a dent ... instead my loan has increased?? I asked for help and was offered another forbearance ( which I recognize I have used too often but seemed like the only option but it just makes the loan longer ). I make " too much money '' to qualify for anything but not enough to pay this off and I do n't work in any of the industries that allow for forgiveness. How am I ever going to get out of this? The last person I talked to this morning said my only other option was to enter a forgiveness program that would mean another 25 years of the loan, I would be XXXX years old at that point and would most likely have student loans for my XXXX kids. Can you help at all? I want to do my part but paying into this loan balance does n't seem to help actually pay it off. I appreciate anything you can do or any advice you can offer. Thank you so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Payday loan, title loan, or personal loan (Title loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Loan payment wasn't credited to your account

Complaint: I made the payment on  XXXX   XXXX  i handed a check to teller the check was cashed and money was deducted from my account on  XXXX / XXXX /  XXXX   i recieved a call on  XXXX / XXXX /  XXXX   about a missed payment i returned the call  XXXX / XXXX /  XXXX   told huntington national bank that i had made the payment they wanted a fax of check front and back i went to my bank pnc faxed it on  XXXX  called huntington national to have them verify recieving it they said it would take a day to go through i called again on on  XXXX / XXXX /  XXXX   they was unaware of the fax then found it said it would have to be researched i called again  XXXX / XXXX /  XXXX   and was told that it needed researched i have given huntington natio nal 4 w orking days to repair my credit report and havent had it done yet i would like my credit history mended and account current

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I initially was lied to by the XXXX by their financial aid office by having the lady tell me that I would not have to repay all of my loans until after I graduated. Which turned out to be a complete lie. I was signed up with the parent PLUS loans. I attended the school from XX/XX/XXXX-XX/XX/XXXX. I have already filed a grievance with you folks regarding this LIE & SCAM the XXXX participated in. From this I was forced to drop out as repayments were required. This has in turn resulted in tens of thousands o dollars in INTEREST AND LATE FEES. My original loan of {$43000.00} has BALLOONED to now {$73000.00}!!!! I have been making payments for years and pretty much covering the interest portion at a tune of $ XXXX/month. I had made extra payment amounts to only find out that it never touched my principal at all?!? I called Navient to see why. I called several times through out this nightmare for various reasons and asked at different times to different Navient reps as to why my extra amount was not applied to my principal. The first representative said in the beginning that my extra amounts were in fact applied, which was a flat out lie. I know because somehow my balance kept growing?! After telling her that this was not true she then looked again and said that my extra amounts were going towards interest? Now mind you I 'm paying and have been for YEARS the interest only portion and yet my balance continues climbing. After calling back months later for a request for repayment options the other representative I spoke with said all additional monies paid were applied to principals. You can not get a straight answer from them?!? I just read an article about the pending lawsuit of how Navient misapplied extra payments and I 'm outraged even more with this whole ordeal. I 'm desperately seeking answers and help in my ongoing nightmare with student loans, the scam school of the XXXX and XXXX/Navient. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: we have a rental home in which the tenants have not paid -- we are in the process of eviction. This is an extremely difficult time for us as our son passed away unexpectedly six weeks ago -- this honestly is the hardest thing we have had to deal with so when the tenants say to us they have XXXX -- we have to say " do n't even tell us about XXXX '' While we evict & have received no rent we have asked ditech to please give us a two month reprieve until we can get rid of bad tenants, repair the home & ideally get rented again. We have paid the escrow this month but asked PLEASE for the payments to be added to the end of the mortgage -- with NO late fees. They have sent us information on loan modification, which in our experience on rental homes NEVER works. We have jumped through hoops attempting a modification & have never received. We honestly thought this plan was ideal & workable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (AR).
Issue: Loan servicing, payments, escrow account

Complaint: In accordance with the Uniform commercial Code, I used legal tender in the form of a unconditional, readily saleable promissory note, that can be financially traded or monetized very easily by the Banks ; to pay off our remaining balance on our mortgage debt in full, to Regions mortgage Bank. I sent Regions Bank a legal notice, with the promissory note, that indicated to them, that if they refuse my legal tender for payment, to send me back the promissory note, with a written explanation, as to why they are exempt from legislation ; however, Regions mortgage only sent me back a letter stating that my promissory note, does not constitute valid legal tender, and is not an acceptable form of payment, etc ..., etc. What I do n't understand, is why Regions Mortgage would say that my promissory note is not legal tender, when the UCC clearly states that it is ; and I sent them many different sections of the UCC that explains how the promissory note is legal tender. What I found to be ironic was, even though Regions refused to apply my legal tender towards paying off our mortgage debt, they kept my promissory note, which is unlawful, because the promissory note is equivalent to cash money, based on what the banking dictionary says in the XXXX addition by XXXX XXXX XXXX ; which is, the definition of money is a promise to pay, or to owe, because it 's not backed by gold and silver anymore. When Regions mortgage kept my promissory note, it was the same as keeping someone 's cash money and refusing to apply it towards their debt, and that is very unlawful! Also in the UCC, it states that if legal tender is refused, then the debt is discharged ; and according to XXXX XXXX, I am a XXXX with the right to use promissory notes with the banks ; and last but not lease, the Federal US court of appeals ruled on title 31 USC 5118, as of XX/XX/1977, legal tender for discharge of debt is no longer required ; that is because, legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt need only be made in equivalent kind ; a negotiable instrument, which is what a promissory note. Also, Regions kept XXXX of my promissory notes that I sent them.

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 12/19/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Using a debit or ATM card

Complaint: We got a XXXX fee to our checking account but could not understand why, had no outstanding checks. When we asked customer service and branch manager at bank, we were told that it was a debit card charge from XXXX. This seemed impossible since Debit card purchases wo n't authorize unless funds are in the account, which they were at time of purchase. Also, an authorization for the amount immediately goes on the account and fubds removed until final purchase a few days later or authorization falls off. Well, according to customer service the XXXX store decided they did not want their money and the bank put funds back in our account. We can not find this alleged funds back in transaction in our account. We asked bank for proof they put funds back in our account but they refuse to provide it. We do not even see original transaction but many days later it appears the bank took the amount out. They refuse to reverse the fee for their own error because they reversed XXXX fees in the past but XXXX of those fees occured because they took an annual debit card fee for charity card without warning us, again banks fault. We want our XXXX returned. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX, I have read that Republicans wish to reward EQUIFAX with a significant contract award, and now are actively seeking to sweep their egregiously callous miss handling of our personal information under the rug. 
Seriously? They should go to jail. I did not ask them to capture and store my personal information. I did try to get through to the jerks immediately following the incident, but they shut down all avenues of communication with us little people ( e.g. the ones they XXXX  over, not the ones who buy the information ). Sweeping this behavior under the rug is not an option from my perspective. Do the right thing will you please?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Struggling to pay mortgage

Complaint: Purchased home in XX/XX/XXXX, XXXX XXXX XXXX XXXX My husband and I. in XX/XX/XXXX XXXX XXXX XXXX sold mortgage to Roundpoint mortgage XXXX XXXX filded chapter XXXX bankruptcy with XXXX XXXX and included the house. We were making monthly and ontime payments at that time. Two months into bankruptcy XXXX XXXX mailed notice for a motion to modify the Automatic stay that we owed XXXX XXXX XXXX XXXX XXXX XXXX ... ..back pay and we were ordered to pay XXXX $ a month. We ( XXXX ) paid Roundpoint XXXX, XXXX XXXX and XXXX XXXX all at the same time. Within chapter XXXX XXXX XXXX was Paying XXXX $ two months into Bankrupcy Payments automatically went to 700+ a month. We ( the XXXX ) were referred to a Contractor named XXXX XXXX to help resolve this issue. We ( XXXX ) never received a mortgage statement from XXXX XXXX and we have never taken out a second mortgage. XXXX XXXX XXXX which is not an attorney instructed us not to pay anyone because we are a part of predatory lending and deceptive practice. We ( The XXXX are expected to pay two mortgages and XXXX XXXX. XXXX XXXX completed the bankruptcy and has been discharged 6 months ago now XXXX XXXX is coming after us again for back pay which is currently XXXX. Roundpoint is tring to work with us for a modification but XXXX XXXX the " Contractor " has a freeze on my account. Round Point will not speak with Us so that we can ask questions and complete modification. Roundpoint Representive always says " We can only speak with your attorney ''! I never hired an attorney. I had court date on XX/XX/XXXX for case management order. Unfortunately I was late and have to motion back in court so I wont go into default for XXXX $ +. XXXX XXXX ( contractor ) has been paid by Us ( XXXX ) thousands of dollars since XX/XX/XXXX. We are not supposed to be in Forclosure. XXXX XXXX has received monies from us and has not filed montions to support predatory lending or to defend us from XXXX XXXX, and XXXX XXXX deceptive practice. I XXXX XXXX am seeking help because we are apart of predatory lending and deceptive practice. Currently tring to modify loan threw XXXX XXXX but cant speak with Roundpoint mortgage to confirm details. We do n't know who the real mortgage company is? Who received the extra monies with in Bankruptcy, and XXXX XXXX is posing as an attorney and taking money from consumers while sitting back as we go into forclosure. <P/><P/>address of property : XXXX XXXX XXXX XXXX XXXX XXXX roundpoint loan # XXXX XXXX XXXX XXXX Loan # XXXX circuit XXXX county court # 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 12-10-2015 about Debt collection (I do not know) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX XXXX I received a phone call from XXXX XXXX indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Debt collection (Medical debt) with Financial Credit Network Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After going to the hospital in XX/XX/XXXX, I paid my co pay ( {$50.00} ) at the time of service. Anyway, Financial Credit Network started contacted me about a XXXX debt from when I went to the hospital in XX/XX/XXXX. They put it on my credit report that I owe. Which I did not owe. The continued to ruin my credit by falsifying documents saying the original amount owed was {$65.00} and I had paid XXXX of the amount in XX/XX/XXXX. This is NOT true. I never paid Financial Credit Network in XXXX CA. anything, because I did not owe anything. Then they say I the amount changed to XXXX and I paid off XXXX in XX/XX/XXXXJust so they could keep it on my credit report. I have been fighting this for years. I know XXXX is not a large amount but these people wo n't stop. And they had to have falsified documents to say I made any payments, because I did not. This should be removed from all my credit reports for good. The charge is way to old and it was wrong in the first place. The credit reporting agencies had removed this charge several time, but Financial Credit Network in XXXX, Ca continue putting it back on my report. They even have the dates wrong. : This is on my report : Collections If you 've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

FINANCIAL CREDIT NETWORK INC Reported : XX/XX/XXXX - {$50.00} Needs Attention Overview You 've paid off 23 % of your collection amount. 
Balance {$50.00} Highest Balance {$65.00} Opened XX/XX/XXXX ( 5 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Consumer disputes - reinvestigation in progress Original Creditor Name XXXX XXXX XXXX Financial Credit Network Inc Financial Credit Network Credit reporting agency in XXXX, California Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Account opening, closing, or management

Complaint: I opened up CapitalOne 360 Savings account in XXXX 2015 after seeing advertisement on-line. 
Bank promised {$500.00} bonus after keeping XXXX in the account for 90 days. I called them couple times to confirm the ad. Now, Bank is claiming that I am not eligible for bonus because I had savings account with ING bank 15 years ago. ING bank is now part of CapitalOne. I also was told that I have 30 days to transfer all the money to the account. Bank is saying that it is only 10 days. I believe CapitalOne is not playing fare and tricks customers with small prints and misleading information over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX 2008, I filed a petition for Chapter XXXX. I withdrew the petition a week later and made my own arrangement to pay off my creditors. I have sent several certified mailings to Equifax because they refuse to remove. XXXX removed after XXXX years. Equifax is stating that they are reporting correctly. They are not. I never went through with the BK and the statute of limitations is supposed to be XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Prepaid card (General purpose card) with U.S. BANCORP (GA).
Issue: Fees

Complaint: I purchased XXXX gift cards each for {$490.00} + {$5.00} activation fee for each card. When I tried to register and use the cards, I was informed they cards had been " compromised '' as the cards were attempted to be used several weeks before I even purchased them. So they were not activated as a security measure by the company. They informed me they would send me out XXXX new cards to replace these cards. The XXXX new replacement cards were loaded with {$490.00} - {$5.00} fee. So for buying XXXX cards originally, I have now been charged fees on XXXX cards, the XXXX original and the XXXX replacement cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: I continuously speak to XXXX and still no response from Executive Offices. Another request with no response. Please advise. I am a very frustrated consumer. I paid of a Ally Financial Auto early due to the mileage. Over {$5000.00}. It was turned in to XXXX XXXX in XXXX, XXXX There is a {$150.00} charge Ally claiming the Lessee, ( me ) cracked the drivers seat plastic part. I did not crack the seat. I am a very small woman and wrote a letter to your Executive Offices as instructed by XXXX. Ally Executive Offices signed for the certified letter XXXX/XXXX/XXXX. To date no correspondence pertaining XXXX to my letter. 

Your representatives keep calling on a daily basis claiming never to receive any information from the Executive Offices and demand payment. 

Please assist it getting a frustrated consumer that did not incur this dollar amount closed on this Lease Account. 

The XXXX of being told this small dollar amount will go to collections and the numerous amount of calls each day needs to end. 

We are good consumers working with you and want to have the account closed. 

Please advise. This is my second email request. 

Regards, XXXX XXXX XXXX On XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX. XXXX XXXXXXXXXXXX XXXX wrote : Begin forwarded message : From : " XXXX XXXX. XXXX ; XXXXXXXXXXXX XXXX Date : XXXX XXXX, XXXX at XXXX XXXX EST To : XXXXXXXXXXXX Subject : Complaint To whom it may concern, I am a frustrated consumer and getting no help with a {$160.00} charge. 

I was told to write to executive offices and Ally has signed for it on XXXX/XXXX/XXXX and I keep getting calls and calls. 

What is next to dispute a small dollar amount. Calls start very early and go late at night. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation