milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Struggling to pay mortgage

Complaint: To whom  it may concern, I have requested a loan modification from Wells Fargo, they are reviewing me for a loan modification. I have provided 6 we eks paystubs, showed proof of occupancy and now they are asking me to provide a last pay check from companies that I had worked in  XXXX   2017 , even though I have a new job that started  XXXX / XXXX /   17  and provided paystubs.   XXXX  I have asked my old company, but have not heard anything yet. I 'm concern, because what I made last year or a few months ago should not be considered in my request for a modification. I believe that they are trying to ask me for something that they have not asked others for.   XXXX  I have spent a lot of money jumping through their hoops and lost plenty of sleep. The only reason they stopped the sale of my home was because I finally spoke to someone in their office that was very helpful. I over knighted a package to their office, but they could not find the documents or the person who signed for them.   XXXX  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 09/25/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: I am a victim of hurricane XXXX. I called my mortgage co the week of XXXX XXXX on the process for my damage house. They advised me to mail in my check from insurance to them both on it and then they would disperse funds back within 4-7 days. Last week I mailed the insurance check and verified if they had received and was told no. Then told by another person at mortgage co the process would take 4-5 days to review then around 7 days to mail the check. Then I look online later and receipt for my insurance check had been received. Now I called today to start paying for repairs, and my file has not been approved yet. I asked for a manager to call me last week and no one called then today I asked for a manager to call me and still nothing. I need to pay for the expenses incurred now not later.
It 's amazing they have cashed my check getting insurance on my money ( insurance funds ) and I ca n't even get to pay my bills for repairs. I do n't have an escrow with them even. I have paid my taxes and insurance seperately. This process is ridiculous. I have always paid my insurance and home mortgage on time now when I need them they will not pay me my insurance funds to fix my house.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navi ant has not applied loan payments correctly, not applied payments at all, and given me misinformation on my loan. Also, when I applied for my loans they told me i would only qualify for private loans, and being a novice at the process I took their word. So now Ihave $ XXXX in student loans and work in an XXXX where i would have been able to have loan forgiveness, but since I have private and not public loans, I have to pay the whole thing back.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Yesterday I received in the  U.S. mai l a copy of my " Experian '' credit report. On " Page  XXXX  of  XXXX  '' under the " Record of Requests For Your Credit History '' is incorrectly states that "  XXXX   XXXX  '' had unlawfully requested my credit history on "  XXXX   XXXX .   XXXX  . '' I have NOT applied for " credit '' of any kind in over  36 co nsecutive months. I am the Victim of Identity Theft.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Each XXXX/Navient representative I 've dealt with had always highlighted some " error '' that the previous representative made, while I 'm the one who bares the hardships of their actions. From incorrect interest assessment, conflicting due dates, lumping accounts together but having one separate for whatever reason, assessing my income and expenditure and deciding that I can pay much more than my most reasonable suggested amount. I 'm committed to repaying all my loans but not under the duress they 've have me under for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Dear Capital One, To begin with, I have to choose a an issue which best describes my complaint, so I choose " communications tactic '' and I must choose a sub category, so I choose " used obscene, ... '' etc. There was nothing specific to my complaint with the CFPB. 

I disputed my debt with you in a letter dated XXXX, which you did not conduct an investigation or send me results of your investigation. On XXXX you sent me a letter with regard to my CFPB complaint, but you did not address anything about me disputing the balance of the judgment of {$2000.00} ( which you say I owe you ). And on a letter dating XXXX you sent the attorney I hired - a response to my CFPB complaint ( where your attorney disclosed and made my Social Security Number public ). In the XXXX letter you state that XXXX, XXXX XXXX XXXX is the law firm handling collections on the account. Which leads me to believe you are still attempting to collect a debt without validating my written dispute. This is a violation of several provisions of the Texas XXXX XXXX : XXXX ( a ) You did not make a written record of the dispute and you did not stop ceasing your collection activity. 
XXXX ( b ) You are reporting my account on my personal credit file and failed to cease your collection efforts until the investigation determines the accurate amount of the debt. 
XXXX ( b ) - ( e ) sending me results of the investigation. 
XXXX ( a ) ( XXXX ) Representing any person that the consumer is refusing to pay a nondisputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute. 
XXXX - Oppression and abuse XXXX - Unfair and unconscionable means XXXX The use of a third party debt collector that continuously engages in acts or practices that are prohibited by this chapter ( Texas XXXX XXXX ). 
XXXX - Injunctive and actual damages XXXX ( e ) - A person who successfully maintains an action under this section for violation of Section XXXX, XXXX, or XXXX ( a ) ( XXXX ) is entitled to not less than {$100.00} for each violation of this chapter. 

Please see the attachment in this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been a federal employee since XXXX XXXX. According to student loan forgiveness programs, such as Public Service Loan Forgiveness, I should have had my loan paid off after 120 payments as a federal employee ( which would be XXXX XXXX ). However, according to Navient they told me my loan type did not qualify and that if I did convert to an income based loan that my payment would go up and I would be paying even more every month and the 120 payments would start from the beginning. I graduated from college in XXXX of XXXX and my balance is higher than it was when I graduated?

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I, XXXX believe that the credit bureaus such as Experian are essential to the American credit community. The system of credit reporting is massive and the credit bureaus are not given the credit they deserve serving hundreds of millions of consumers and millions of businesses in America. Sometimes, when a consumer has a legitimate complaint against how a certain subscriber is reporting a credit payment history, a bureau such as Experian can not be blamed for an indiscretion because a corporate subscriber break the rules that should be applied equally from the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Accordingly, I respectfully request a follow up from a complaint I filed directly with XXXX. My complaint response is # XXXX. My complaint was very specific. My consolidated student loans were never paid on as they have always been deferred. I XXXX, and my consolidated loan payments begin XX/XX/XXXX. It states that fact right under the STATUS of the account numbered # XXXX. However, XXXX shows no 30-day late payments, but a 60-day late for XX/XX/XXXX, and a 90-day late for XX/XX/XXXX. This negative on my credit reports hurts me personally, as I am a professional XXXX woman trying to better my life as well as the lives of my family. I believe that the XXXX should correct my credit report by removing all payment histories since I am not and have always been in a deferred payment status. I respectfully request a reinvestigation by Experian to assure me that the XXXX abides by the subscriber agreement they have with all credit bureaus, especially Experian.

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 06/21/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have an FHA loan and it was sold without my ok to Ocwen- the worse company I ever encountered. I feel 2 months behind due to fianacial difficulties. They claim they will help you and work with you, they do not. I tried for a loan modification 3 times, and every time they come up with a way that it can not be processed- 'We need more information ' 'We need this to be filled out ' 'We need new paystubs as this is time sensitive information and the paystubs are out dated now ' 'we need a new year to date ' 'we need a letter from your employer ' on and on their excuses went so 3 times I applied and 3 times it never went through. I asked them to extend the loan 'we can not do that ' I ask for a forbearance -which in their letter is 'temporary reduction or suspension of payments, or the ability to make regular monthly payments without contributing toward past due amounts ' We asked for a repayment plan- they wanted {$470.00} in a week - I said where I am supposed to get that amount in a week- they then said if you can not pay it in a week then you can not do the repayment plan. They also keep sending letters and charging us for them- if they are sending them they should be paying them not me- They are charging me {$140.00} for all these letters they keep sending. They are charging me {$510.00} in late fees- Why ca n't late fees be dropped the letter fees be dropped and give us a payment plan with so much extra per month for the 2 months I an behind. They are threatening me to foreclose on me. I make my regular monthly payments I just fell 2 months behind and with other bills- car, car insurance, health insurance, lights, garbage, sewer, water, credit cards, food, oil, gas etc that I can not get the XXXX payments caught up. Why ca n't they extend the loan 2 months- it is a 30 year loan and instead of maturing in XXXX of the XXXX year extend it to XXXX? They can easily do that and then that would make us caught up with out payments and note be late Please I need help. They also have raised the minimum payment numerous times- I started paying XXXX per month they have it up to XXXX per month. I know interest rates have gone down- I have a fixed FHA at XXXX. Why ca n't they refinace the FHA and bring the rate down

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2017 around XXXX my business partner and I went into your Chase Bank location at XXXX TX XXXX. Upon speaking to a teller named XXXX we were informed that a {$3500.00} check from our client could not be cashed because " it was over a {$2500.00} limit the customer had placed on a non-Chase account holder cashing. '' We then spoke to the Branch Manager, XXXX. She told us that even if we had the customer write XXXX separate checks she would not allow them to both be cashed. She also refused to cash a check for us if our client wrote XXXX checks in XXXX different names. As we left the bank, she told us she would inform all her tellers to refuse us service. 
I personally hold a Chase Bank account and am extremely offended by the treatment we received. I routinely cash checks at other Chase locations and have never have issues. We whole heartily feel this branch racially profiled us for being XXXX male consumers in a predominantly XXXX run bank. We also noticed a XXXX women 's check was also refused while we were there. This is unacceptable, especially from a company such as Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I worked for XXXX in which my service was free. After I left the company I had to turn in all property, tools, equipment that I was given at the beginning of the sales job. I had to turn this in to receive my last paycheck. this was over 7 years ago. I do not owe this company one dime. They keep updating this on my credit report and it has been sent to a 3rd party ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I applied for an in-school deferment the first week of XXXX for the XXXX semester commencing XXXX. I meet Federal deferment guidelines because I am enrolled in at least half-time units. My application was rejected because XXXX, the administrator of my student loans, stated that my college had reported that I was, at the time, enrolled in less than 1/2 time units. However, I had submitted the application for the XXXX semester and the form was completed by my college 's registrar. I was also informed that an updated Deferment Application form was available and that I needed to complete that form. Please note that the form contained and required identical information as the one I had submitted in XXXX. Nonetheless, both I and my college 's registrar completed the new form and I submitted it in hard copy by U.S. Mail the first week in XXXX. I also uploaded it to XXXX 's website. XXXX again rejected my application erroneously claiming that my college registrar had not completed Section 4 of the form. This was absolutely incorrect. I called XXXX and confirmed with their representative that the form indeed my college had completed Section 4 of the form and that they would reconsider the application. I called again on XXXX, to learn the status of my request and was told that it would take at least two more weeks to consider the application. XXXX has erred at every step of my application process. I asked to speak to a supervisor when I called today, XXXX, and after waiting on hold for several minutes, was told that " no one was available and try calling back later. '' I stated that I would prefer to remain on the line because it had been two months since my initial application and that XXXX repeatedly rejected my application due to XXXX 's own errors. I was placed on hold again for several minutes and was again told that no one was available. However, I was told that someone would call me back today. Because I have repeatedly been given incorrect information by XXXX, I am concerned that they are not complying with Federal guidelines with respect to In-School Deferments. I would greatly appreciate your assistance with this matter.

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 04/19/2017 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Closing/Cancelling account

Complaint: I had a Chase-issued   XXXX   XXXX   card that had not been used since   XXXX   XXXX    . I received a bill early this year demanding an annual fee. I promptly called to cancel the card, then destroyed it. I just received a bill for {$76.00}, which is {$60.00} for the annual fee, {$15.00} in late fees, plus interest. When I called   XXXX   XXXX   to say I will not pay an annual fee on a card that I canceled, I was told it could not be reversed. I asked for a supervisor and made no headway. He asked if I wanted to reinstate the card. I said no, I do not want my credit rating harmed, but I have no intention of paying an annual fee on a card that I canceled and destroyed. When it became clear that I was getting nowhere, I said I would contact the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have spoken to XXXX and reinstated my account with them and paid them current. They said if I did that the collection would be removed and it has not been. I need this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/2016 we approached Wells Fargo with a short sale offer on our XXXX family at XXXX in XXXX, MA. Loan number XXXX. Wells Fargo has consistently post poned, closed and avoided making a determination on this offer. They notified us last week that they will be holding a foreclosure auction on XX/XX/<YYYY> This would potentially created an increased tax burdon on us - since we have no control of their sale price and will receive a XXXX for the difference between amount owed and proceeds of the sale. This is an additional hardship they are causing above and beyond the hardships ( loss of jobs, damage to property, family deaths ) that caused us to pursue the short sale.

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 01-12-2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Credit card protection / Debt protection

Complaint: I am XXXX XXXX XXXX and have had a XXXX XXXX credit card since I was XXXX. The only reason I have n't cancelled it is because of the account length and positive effect on my credit. my first problem was when they changed parent banks ( to XXXX ), certain payment dates ( including the one I had set up for my acct. ) were " no longer available '' according to them, so they took it upon themselves to automatically change my due date without notifying me! Causing me to be late that first month. And now, this is the 4th time I have had to call to cancel the " credit protection program '' that they keep sneakily, automatically, enrolling me in without my consent. They have one scam after another going on over there, and it needs to be addressed.

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 11/18/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: This is a second complaint regarding the same issue i.e. PNC Bank 's lack of response to our original request as detailed in CFPB Complaint number XXXX. 

Specifically we request PNC to comply with our Attorney 's Demands for an immediate Reconveyance and Production of Documents for PNC Lien Account number XXXX. 

Our Attorney had sent the first Demand letter dated XX/XX/XXXX with response requested from PNC by XX/XX/XXXX. A second request was sent on XX/XX/XXXX with response requested by XX/XX/XXXX. Both letters Demanded an immediate Reconveyance and Production of Documents for PNC Lien Account number XXXX per our legal counsel, neither Demand was acknowledged or answered PNC 's final response to our initial complaint was they did not receive the letters. This is not accurate as both were sent via Certified Mail, return receipt requested. Both letters are attached to our original complaint. As a older veteran caring for a XXXX wife PNC 's lack of response to the points detailed in the letters from our Attorney is causing us great emotional and economic distress. I would ask the CFPB to demand the immediate Reconveyance and Production of Documents or have PNC respond as to why they will not comply with the law as outlined by our Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was paying my student loans under a student assistance program and had n't realized that they stopped collecting payments from my account. When I received a phone call from Navient, I told them that I needed to do more research to verify that my loans had n't been paid since XXXX 2015. She then told me that she has already done verification of employment and will be pushing forward for wage garnishment. I again told her I wanted to do some research and she said she 's already done it and became very nasty with me over the phone. I finally told her I would discuss it with her only AFTER I was able to do some more investigating and hung up. She called right back and I did n't answer as I was at work.

Company response to consumer: Closed with explanation