milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Mortgage (VA mortgage) with MIDFIRST BANK (MD).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX Complaint against- Midland Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Loan # XXXX Complaint : I received my annual Escrow Account Statement the second half of XXXX, outlining that my principal and interest would not change for the next year of XX/XX/XXXXXXXXXX/XX/XXXX ( see enclosure ). Near the end of XXXX Secretary of Treasury stated that the Federal Interest rate would increase by a 0.25 %, after which, Midland Mortgage sent me another notice stating that my interest rate would increase by 0.25 %. I received this notice less than 25 days of when the change would take place ( which is required by my contract ), despite the date on Midlands statement. Never the less, I accepted the change and made the payments. Other conditions that Midland has not been compliant with, are them providing me the index that they use to calculate the change in rate and date of that index as well as other requirements in The Adjustable Rate Note, Interest Rate and Monthly Payment Changes, # 5 A-G. XXXX, I am informed that Midland Mortgage is increasing my interest again by 0.125 %. This would also permit them to adjust my Change Date. Midland Mortgage citing they made an error is not a defense that is acceptable. It is not justifiable that Midland Mortgage or any mortgage company be allowed to make changes to customers ARM, every time they make an error. If this were permitted, then the yearly Change Date would be futile. What I want to happen : I do not want Midland Mortgage be permitted to increase my rate after the effective Change Date of the contract. I do not want Midland Mortgage to be changing my Changing Date of my contract. Midland Mortgage trying to increase my rate is just another example of million/billion dollar companies taking advantage of consumers. This problem addresses the issues of these big companies always cheating consumers by shaving a little off the top. Such large companies shaving a few extra dollars from millions of consumers equates to billions of undeserved revenue for them and increasing the financial struggles of the American consumer. Frequently encounter examples of : XXXX overcharging for over usage of data, even though I have been close, but not over. XXXX charging for cloud usage, $ XXXXm for years, but never used, not knowledgeable of ; XXXX XXXX charge for equipment/services not requested, not used. XXXX advertised additional cost services, but later eliminate such services ( hide cancellations in small print/terminology non-specific ), but they still collected for those services. These companies know that it is counter-productive for consumers to engage in legal battles for such small amounts, therefore they are forced to pay.

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 04-07-2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: My account was discharged in bankruptcy and court ordered that all debts have been paid. Bayview Loan Servicing corrected all information on my credit report per court and lawyer and then when I was in the middle of doing a refi i find that they changed all of the information on my credit report. They now removed all information showing that it was in bankruptcy, They put that my account is 150 days past due, my mortgage payment is {$300.00} higher than the actual amount. I feel that they are doing this constantly to keep me from refinancing to another company. I have contacted a lawyer and am preparing to sue the company. I am highly stressed and distraught over this entire process. They are reporting fictitious and different information every month.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MI).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2016 at XXXX I sent over money to XXXX . I called Western Union and they put me on hold for a half an hour. I spoke with a representative explaining my problem and he told me that I had to speak with someone else. I was then put on hold for another 20 minutes. Finally I was able to get through to someone and the then stated that I needed to be interviewed. I said that was fine, and answered all questions that were asked. They stated everything was all set, but in reality the money is still on hold with Western Union! 
I called yesterday, XXXX XXXX, 2016 and again had to wait 20 minutes on hold, had to be re-interviewed with the same questions I had answered already the prior week. Today is XXXX XXXX, 2016 and the money still has not been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have owned and occupied a XXXX home property in XXXX since XXXX. In XXXX we experienced a loss of income that caused us to fall behind on our mortgage payments. Our income improved in XXXX and XXXX to the point that we became eligible for potential loan modifications. In XXXX XXXX, after making the XXXX XXXX trial payments, we were approved for, and successfully executed a loan modification agreement with the lender ( Select Portfolio Servicing , Inc. ). In XXXX XXXX our lender sent us a new loan modification application with different terms including a higher interest rate structure in future years, and with no explanation as to why they were sending us the new, and unsolicited application. We called the lender and were told it was probably a mistake. By XXXX XXXX we began receiving notices that we were in default of the original mortgage ( as if the loan modification never occurred ), although we had continued to make all required loan modification payments. We escalated the matter with the lender while continuing to make the required payments until XXXX XXXX because at that point the lender was requiring higher payments than allowed under the existing loan modification agreement, and they threatened foreclosure if we did not pay the higher amount. At that point we began withholding additional payments and have instead held those payments in escrow. In XXXX, the lender alleged for the XXXX time that the original modification was never implemented because of some error in calculating the escrow balance for the account. This is the XXXX time they ever gave us any explanation or indication as to what happened to the fully executed loan modification agreement. The lender is now moving ahead with its plan to foreclose and refuses to honor the terms of the original loan modification executed in XXXX XXXX, through no fault of our own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have consolidated federal and private student loans totaling approximately 125,000. Every month I send a payment via Navient website. The company recently changed its website which makes it impossible to choose the amount to pay. The " payment due '' window reflects past due, fees, and currently due amounts. Since I was unable to choose to just pay the past due amounts as the currently due amount was n't actually due yet, I set up payment through my bank 's online bill payment feature and made a payment on XXXX XXXX 2017. Navient received payment two days later on XXXX XXXX 2017. Instead of allocating the appropriate amounts to both private and federal loans, as they have done literally for the past ten years on this account, they allocated the entire payment to my federal loans. I called customer service immediately and have been bounced around to various agents who assure me that this is " a back end issue '' and that a request has been sent to re distribute the payment to the two accounts. I have been charged late fees on both accounts for non payment. It has been one week and nothing has happened. The payment is not visible online at all and I am getting delinquent letters via email and threats that this will be reported. I have been unsuccessful in my attempts to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, XXXX, I received a judgement against me through the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX without receiving a summons or with no knowledge of what the debt was for. Through my research, I have been informed that it is from a JP Morgan Chase issued XXXX ending in XXXX for the original amount {$1200.00} ( case # INCXXXXXXX ). I am a former Washington Mutual checking and savings account owner and a current Chase Bank account holder. I have no record of owing this money on my end and would think that since I am a current account holder and have not had a break in my account holding status with Chase Bank for the past 10 years ( even when they were Washington Mutual ), I would have been made aware of this. I know there was a Califronia lawsuit petitioned by the California XXXX XXXX XXXX that was awarded in the consumers favor for false and fraudulent debt collection practices by JP Morgan Chase between XXXX XXXX, XXXX and XXXX XXXX, XXXX. This was to be repaid by Chase Bank to the consumers for the amoutn owed plus 25 % excess above the amount owed. I have no idea how to move forward with getting reparations and the removal of the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have spent years dealing with Navient/XXXX XXXX on repayment with my student loans. Navient stated they are " not required to act in my best interest '' and make it genuinely difficult to have viable resolution to my repayment of private student loans. My personal largest monthly payment is student loans. They increasingly make it harder to get support by way of programs or modified repayment terms that make sense. I had a previous complaint with CFPB, but they were unable to help as my story was compelling, but out of their control. Private student loans have no regulator oversight to the manner in which Navient is able to railroad borrowers into repayments that are beyond " suitable '' and they know it. I have been working with a representative from Navients, Office of the Customer Advocate, which is really just the long way around getting things accomplished and they are unable to offer any other alternatives versus speaking with general customer service. They have a tendency to slow walk processes and waste time as they know there is no reason to be accountable. Considerations that I was given before are now longer mysteriously no longer available and the story is always changing. The continual " moving of the goal post '' makes ones largest debt commitment an ever moving target that is unable to be hit. Consistently getting hit with various late fees over the years that make it even harder to climb out of the financial hole.

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 EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Money was not available when promised

Complaint: At XXXX XXXX XXXX XXXX, 2016 I sent a moneygram to someone in Florida for {$1300.00}. 
My contract says it would be delivered in 10 minutes. I specifically asked the Wal Mart worker if it would arrive in this amount of time due to the fact that it was to be used in a deadline situation. When the receiver tried to get the money he was first told that he could not use the identification he offered : his drivers liscence, a bank debit card in his name and a credit card in his name. They insisted that he use a social security card which he did not carry with him. He disputed their right to ask for his social security card and was told that MoneyGram required it, showing the statement to him on their rules for picking up the money. 
He called me, the worker refused to talk to me. He gave me a telephone number they supplied so that I could see what the problem was. I called the number and was put on hold for 25 min. I only managed to talk to someone by calling back and insisting that they help me. After he repeated his name several times I could not understand what he was saying due to a non-English accent. I told him what my problem was and he said I had to give him information to insure him that I was who I said. He proceeded to ask the following questions : my reference number ; my address ( was on the form for the transfer ) ; a major highway near where I live ; the name of the receiver ( which was on the transfer form ) ; his age ; his relationship to me ; what the money was to be used for ; what he did for a living ; what town he was picking the money up in ( the contract said he could get it anywhere in the state that served MoneyGram ; questioned my telephone number. This money had to be received and deposited in the receivers bank by a XXXX deadline, which I explained to him. By the time it was finally released for pick-up it was within minutes of XXXX, so he did n't get it in time to get to the bank by their deadline. As a result the bank is telling him his account is closed and can not be reopened due to overdraft in which he had the XXXX deadline that he did n't make on time.The money should have been there and been picked up by no later that XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A FedLoans IBR repayment calculation error resulted in an overpayment of {$3000.00} which has not been applied as a credit towards future payments as requested. In XXXX XXXX, the caculated Fedloans IBR amount due jumped from $ XXXX/mo to $ XXXX/mo when by the IBR formula ( ( AGI-Poverty level for family size ) *.XXXX ) /XXXX it should 've been a little lower than previous year. Fedloans servicer was contacted XX/XX/XXXX and acknowledged their error in reported AGI. When asked if they needed any more action on our part and whether the overpayment can be applied to future payments, they said they had the necessary information to process the change and it typically takes about 2 weeks for the review board to correct and process overpayment issues. After a second month of the high rate, FedLoans was called again on XX/XX/XXXX to make sure the amount was going to be changed immediately the overpayment would be credited. Informed by FedLoans that the recalculation was under review but there was no timeframe for completion. During the first week of XX/XX/XXXX, several " paperless inbox '' statements were sent outlining that our enrollment in IBR had been denied and our new monthly payment would be {$2400.00}. FedLoans was called XX/XX/XXXX ( urgently ) and the agent was informed of the past few months of history and issues. As a result, XX/XX/XXXX tax information was re-submitted and the IBR plan was re-enrolled on XX/XX/XXXX at a rate of $ XXXX/mo ( the correct rate ) ; however, a fourth payment was made in XX/XX/XXXX for {$890.00}. Overall overpayment over four months was {$3000.00} and has not been credited towards FUTURE payments as asked.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

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 07/17/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: During my first attempt to refinance with with cash out from my current mortgage holder, my information was submitted incorrectly to underwriting. I did not have access to neither was I able to view/authorize any of the information submitted on my behalf. I have no idea if my application was submitted for a FHA or a Conventional loan. Upon being denied after a more than 30 day process, I questioned the submission of my application. A representative of the company mistakenly stated several things requested on my application that I did not request. When I began to question this incorrect, I was told he could n't speak with me any longer regarding my application. When I requested a copy of mu application I was told, an application was never submitted on my behalf. Additionally, I never received a good faith estimate ( GFE ). 
During my second refi attempt with the same company, the process was going smoothly and my existing loan was at the point of being verified and paid off. My information was submitted correctly this time around, however when I began questioning the incorrect processing of my initial refi attempt things took a turn for the worse and I was denied again. I am positive my income to debt ratio is more than qualified. They went to the extreme of telling me none of my income from my full time job would be accepted. 
I have all of this information documented through email exchange and will attach them to this complaint to explain what happened in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: they allowed someone to apply for credit in my name with out my consent

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax continues to list 3 old closed accounts as open on my credit report that had a late payment. This situation has been resolved long ago with the companies and as instructed, I contacted the companies from the old accounts and had them tell equifax that the accounts are old and to remove the accounts and the delinquent information off of my credit report. This was 3 months ago. I am at a loss as what to do now. It is incredibly difficult to deal with Equifax. 
Please help. These mistakes are driving my Equifax credit score down by 100 points. Neither XXXX XXXX or XXXX list these old accounts on my report anymore. Equifax is the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with Alliance Data Card Services (PA).
Issue: Other

Complaint: I recently applied for a refinance loan through my local credit union and was denied because XXXX-XXXX card reported last year that they closed an account of mine in XXXX due to bankruptcy. I had a bankruptcy fully discharged in XXXX. Now this report looks like I have a bankruptcy in XXXX thus impacting by credit and ability to borrow money. I also contact XXXX directly because this only reported like this late last year and never showed like this beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: A woman called from XXXX to MY WORK numberXXXX todya XXXX/XXXX/2015 at XXXX XXXX XXXX times. She would not say her name, her company or what this was about. She wanted to speak to my supervisor and claim if I did not provide payment today she would go to my HR department.

Company response to consumer: Closed
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (VA).
Issue: Application, originator, mortgage broker

Complaint: I had XXXX and the doctor was not sure at first how long I 'd been out of work. So I thought that I should let the bank know the situation as far as IF I may get a month behind in my mortgage. Since 2003 I have never been late or missed a mortgage payment and at that time was current. The representative suggest that I consider a modification and that I should wait and be late a month to start this process. I said NO I do n't want to be late. So now we start the process which took from XXXX to XXXX. They took {$100.00} off my mortgage. Put me on trial to see if I could make the lower payments which I did. Of course the lower payment I was paying was not what my new mortgage was to be. In the process they got the {$100.00} dollars back ( because of higher taxes and escrow short ) and my mortgage is more than it was at first. But the mean thing is that they put my mortgage account it a delinquent status and put it on my credit report. I think this is mean and unfair. I have written letters to all three credit report companies and they say it can be removed but I 'd need a letter from the bank. I have written several letters XXXX one to the CEO ) and made several in-person attempts and was also told it could be taken off. None\of this has worked and I rec 'd a letter from the bank telling me to stop writing because my compliant was frivolous and a waste of time and they were not going to remove it. It has really put my credit report in a nasty spot. I 'm not able to do anything with the being the first thing you see on my credit report. I do hope you can help get me some help with this. I was only trying to do the right thing and this is what I got.

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