milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CHASE is believed a Creditor who has in previous communications admitted that their records reflect the lien release was prepared and recorded on behalf of XXXX XXXX XXXX, XXXX. 

I have requested CHASE submit all documents relating to the debt in which was claimed owing or was satisfied. CHASE appears to have concealed information from me REGARDING its involvement. 

Request CHASE produce all relevant documents relating to the transaction in which it were acting as trustee and to state what type of loan or transaction it was involved in : 1 ) Conventional loan 2 ) line of credit or home line of credit account 3 ) Other ( describe the instrument ). 

Did CHASE acquire the XXXX XXXX Promissory Note? When, date? Why did CHASE not record it 's interest? or did it? 
Was CHASE assigned the Promissory Note held by XXXX in 2003? When, date and where was it recorded? Was it recorded with the county recorder or with Mortgage Electronic Registration Systems? 
Who appointed CHASE/JP MORGAN as trustee? Please name the entity, i.e. XXXX XXXX, XXXX XXXX XXXX XXXX. 
Was CHASE/JPMorgan holding title to the real property referenced in the deed of trust declared on the attached document provided. 
Was XXXX XXXX XXXX, XXXX collecting rents on behalf of the trust in which XXXX XXXX XXXX was the trustee? or was XXXX XXXX XXXX, XXXX collecting mortgage payments for a conventional loan?

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I WAS enrolled in the REPAYE program, which requires renewal of income and family size information every 12 months. My income and family size changed in XX/XX/XXXX, and I submitted a renewal form in or about XX/XX/XXXX or XX/XX/XXXX requesting a recalculation of my payments under the REPAYE program. By letter dated XX/XX/XXXX, Fedloan Servicing denied my request stating that it was not time for me to recalculate my payment. In XX/XX/XXXX, a notice was posted to my account requesting a renewal form. As stated above, the renewal form had already been submitted to Fedloan Servicing, and none of the information that I reported to Fedloan Servicing changed over the 5 month period. In XX/XX/XXXX, I received a notice that I have been removed from the REPAYE program, that interest is being capitalized, and that as of XX/XX/XXXX I will be required to make payments under the standard payment plan because I did not submit the renewal form. This causes my payments to significantly increase from {$250.00} a month to over {$2000.00}. My renewal form was submitted at the time that the change in income and family size occurred. This information has not changed. Fedloan Servicing has the information that they require for renewal, but they intentionally denied my request and disregarded the information that has been provided to them with the purpose of capitalizing the interest. I have dealt with Fedloan Servicing before regarding this same renewal issue, and going through their internal complaint process gets the borrower absolutely no where. They are not being held accountable for deceptive lending practices. I submitted my updated income and family size information to this company, to be proactive and to keep them abreast of my the changes that have occured, I am penalized for it. This is unfair practices, and they continue to find ways to capitalize on interests and prevent borrowers from paying off their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Auto debt) with Zimmerman & Zimmerman, P.A. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This case filed Satisfaction of Judgment on XXXX/XXXX/XXXX per XXXX XXXX XXXX XXXX On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX in XXXX. We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX store finance card from Synchrony is a predatory company that no one should ever borrow from. They provide VERY deceptive information about " late payment '' fees and the date these payments due are revolving. The charge is absolutely absurd as well and once an account is " closed '' they wo n't work with you to resolve any issues only ding you with massive late fees etc and laugh their way to the bank.

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 05/20/2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Struggling to pay mortgage

Complaint: Around early  XXXX  I applied for a loan modification and on  XXXX   XXXX ,  2017 ,  Ocwen  sent an inspector to  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX , which they knew to be occupied by a tenant because I sent and they acknowledged possession of the rental lease for  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX . They falsely informed the renter that the property is in foreclosure and attempted to change the locks. I called them and their manager "  XXXX , '' without accessing my case file, told me that the tenant and property  manager may  just have misunderstand what the inspector said. Clearly this is an automatic response for such actions.   The tenant is understandably extremely upset and if the loan modification application is not viable, they have deprived me of the opportunity of simply give the tenant ordinary notice. Their callous actions and refusal to accept any responsibility or to state that they will stop their actions show a complete lack of concern for the people affected by this situation. If they are doing this to me, they are doing this to others as well. The home is not even in foreclosure status.  Ocwen  's solution was that I send an inquiry to their research department which I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My husband lost his XXXX business in XX/XX/XXXX. Since then he has been working in the XXXX but was getting laid off constantly due to lack of work. He is now working as a XXXX employee for a good company and we are again hopeful. 

In XX/XX/XXXX we were approved for a loan modification and right before we made our last trial payment, they switched our servicer to Specialized Loan Servicing on us and told us we had to start the process all over again. I have been working with them consistently to get a modification so we can continue living in our home with our XXXX children but they have given us the run around saying they lost paperwork, sent paperwork to the wrong department, etc. Then in XX/XX/XXXX they said was that there was a sale date on our home and there was not enough time to evaluate. I went to the Sheriff 's office and got a postponement. After that, they got another postponement of XX/XX/XXXX. Since I had n't heard from anyone ( another issue with SLS ) I called them and they told me that we were denied because of income. After finally pulling up the hard copy of the denial on the internet, I realized that they did not have current income information for my husband. 

I went to the Judge in XXXX county and told him what had happened and asked for another postponement. He granted it and the new date is XX/XX/XXXX. I have also contacted XXXX NJ and am working with XXXX XXXX who suggested I contact you. 

There is a lot more information than this as we have been going through this since XX/XX/XXXX. If you need anymore information I will gladly supply it.

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 04/20/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this account in full. I have received a letter from the local judge stating that the case has been dropped and they still refuse to take it off of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a homeowner of 25 years here in XXXX XXXX, XXXX XXXX, Georgia. I am a XXXX senior citizen and have a XXXX veteran as a tenant in my home. My loan was XXXX and later with Ditech as of XXXX XXXX. I had a HARP modification originally and after financial difficulties due to XXXX and additional medication, I have tried to receive another modification with my servicing lender which was Green Tree and later Ditech. I have been denied every modification from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, 2016 I received a new modification payment schedule from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, XXXX I received a new modification payment schedule from Ditech giving me a new account and payment plan to become effective XXXX 2016. Keep in mind, I had no idea they were placing my loan in a modification status until I received this information. In XXXX 2016, I mailed in XXXX, XXXX, and XXXX payment in the amount of {$950.00} for each month and they accepted all XXXX payments. XX/XX/XXXX, I received a foreclosure letter - to foreclose on my property, effective XXXX XXXX, 2016, this notice came from their attorney ( XXXX ) representing Ditech. After numerous calls to XXXX and Ditech, no one ever returned my calls nor was I able to speak with any representative until the middle of XXXX 2016. I was then told by the attorney that represents XXXX, XXXX XXXX, ATTY, " they should have never accepted my payments. '' She instructed me to call Ditech directly. I called Ditech and was transferred to the bankruptcy department. XXXX of the bankruptcy department of Ditech indicated he would send me a new modification application and said I should receive it within 10 business days. To this date, I have yet to receive the modification application from Ditech. At that time, I asked for an audit of my loan. After the 10 days expired, I contacted XXXX XXXX and Making Home Affordable for assistance with helping me to apply for a new modification. I submitted a new application with the assistance from XXXX XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a letter from Ditech that my modification was denied because my property has been foreclosed and I was no longer the owner. 

I have enclosed all recent documents from XXXX and Ditech and bank verification of my payment. Also my dated the modification application submitted by XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PR).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been receiving several calls from XXXX at all times, meaning from early am to late pm. They have been harassing my family and friends with personal about me, my place of work, etc. The person that has been harassing all the time is XXXX XXXX, the phone numbers are XXXX ; XXXX. She call me at my work and I have told her that she ca n't call me at my work and she has been continued to do it. I have n't received yet any communication via letter to know who they are. The only thing I know is because I search the telephone number to know who they are. My student loan was at my know with PHEAA, and I have n't received a letter from them in a long time. I want to renegotiate the debt but first I want to know to who I 'm going to give the money. Without a formal letter that let me know who has my loan I ca n't give a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (GA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, we received the annual escrow account disclosure statement which showed a significant shortage. We have attempted to call, email and even XXXX XXXX with LOANCARE inquiring about the escrow shortage as well as how the {$200.00} increase on our mortgage payment can be a difficult undertaking for our single income household. In essence, we simply didn't understand how such a significant shortage can occur. We attempted to call on XX/XX/XXXX at XXXX and were on hold for over 5 minutes and submitted a request for a callback, which never occurred. We called again on XX/XX/XXXX at XXXX and spoke w/ an employee who advised that the possibility of the shortage was due to the fact that the previous owner was military. She further advised how we can submit a request in writing to lengthen the shortage from 12mos to 36mos. I did so via the customer online portal via www.myloancare.com. We were advised it can take 10-15 days to receive word as to whether or note our request would be approved. We never received a response. We then called Customer Service again on XX/XX/XXXX, two times ; XXXX and XXXX. We were on hold first for 12 minutes and the second call was over 53 minutes. We never actually spoke with a human being on XX/XX/XXXX. We looked on the www.myloancare.com website in which you can request an advocate. There is no direct phone line and a form must be submitted online, which we did. We never received word of being assigned an advocate. My wife then called on XX/XX/XXXX at XXXX. We actually spoke with a member of customer service by the name of XXXX. Due to policy, she wouldn't speak with my wife because her name is not on the loan, so my wife conferenced me in on the call. I advised XXXX she has my permission to speak with my wife about the mortgage loan on my behalf. XXXX was apologetic about the lack of response and total disregard of our circumstances and lack of customer service. She asked if we'd like to escalate our issue to management in which we responded with a very firm YES! However, all members of management were busy or not  present and went home for their evening. XXXX advised that we would hear something about our request within 48 hours and that she personally would follow up which never occurred.

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 04/17/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ad Astra Recovery Services continues to try and collect a debt that I do not owe them. I would like for them to verify that I owe them ( Ad Astra Recovery Services ) and if they can not provide proof then I would like for them to stop reporting to the Bureaus and close the account!

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase will not release the remaining funds from the insurance settlement I received as a result of storm damage my home received last winter. The amount they are holding is approximately XXXX. The give me inconsistent answers as to why they are holding back the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with Halsted Financial Services, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Every single day in the last 2 months Halsted Financial Services, LLC calls my number ( XXXX ) XXXX saying they are recording the call, wanting to confirm the last 4 digits of my social security number, and telling me they are calling on behalf of XXXX XXXX for a XXXX debt of {$3000.00} some odd dollars that I have not paid in 3 years. I have spoken to 3 different men at Halsted. I have told them I do owe the debt, I can not pay the debt, I lost my job on XX/XX/XXXX, I work in a very low paying field when I do work, and I will never be able to pay the debt. I own nothing, I have nothing, I live from hand to mouth. I have told them this 3 times already. They continue to call. My XXXX year old mother has this telephone near her. She is answering only to be hung up on. They ask for no one, they just hang up on her. If I could afford to pay my debt I would, but I can not and suffice it to say, they are trying to get something from nothing. Now that I have explained the situation to them and they have " wished me well '', why do they continue to call that number and harass my XXXX year old mother? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting XXXX XXXX mortgages as open and unpaid theese XXXX accounts have been paid in full ACCT # XXXX and ACCT # XXXX ATTACHED IS CONFIRMATION FROM 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
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with ALLY FINANCIAL INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The phone rings 2 to 3 times a day, using different numbers on the caller ID looking for XXXX XXXX. When my mother finally spoke to some one asking for XXXX XXXX, she said no XXXX XXXX lived here then they asked for XXXX XXXX, again my mom said there was no one by that name at this number. The called said OK, thank you and hung up. The next day we receive a call showing ANOTHER TOLL FREE number on the caller ID looking for XXXX or XXXX XXXX. THIS is in reference to Ally Bank. No one in my family does business of any kind with Ally Bank. So far I see 3 different phone numbers being used.

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 07/22/2016 about Student loan (Federal student loan servicing) with Collection Technology Incorporated (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have contacted my student loan servicer several times to get a break down of the XXXX a month. How much is going to interest? I have much is going for collection fee? How much is going towards the actual loan? At some point I want to pay my loan off. I do want to make over payments, How much will actually go to the loan. On XXXX occasion they keep sending me a printout of the payments I have made. I have copies of that already. I want the detailed info so that I can pay this account off. I keep getting the run around. But no one can give me the info. Frustrated.

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 04/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: my federal loan was with direct plus. When they consolidated all my loans my new loan was w ith Navient.  My loans went from  XXXX  to  XXXX . the fees are through the roof. I tried to set up payments under the student loan forgiveness program. The told me not possible because they purchased my federal direct federal loan. I explained that I was a public service member for the united states  XXXX . the only options that have provided is a forbearance. I saw in the news about  the Navient law suit  issues and was given this site to file a complaint from   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/16, I contacted a financial services company to request a personal loan. We processed the application and I was issued a disbursement check for {$3.00}, XXXX ; after which I deposited into my checking account. I recontacted the company within two business dates ( XXXX ), stating my intentions to cancel the loan and return the proceeds, citing a high percentage rate and my general feeling the repayment length was too excessice. I spoke with the Branch manager who assured me I could cancel the loan as long as I returned the entire amount initially advanced. Upon my arrival at the office, I delivered a cashiers ' check in the above mentioned figure and I was given a receipt. Upon closer examination of the receipt. I noted the Manager had posted the check towards the principle of the loan, rather than voiding the entire contract. I was informed since I no longer had the original check, my receipt was sufficient. I further add since I had a active account balance of {$1800.00}, prior to this new loan, the application paid off the existing loan and I was set up to make payments for four years, all totaling to over {$9000.00} plus. Since I returned the cashier 's ' check, the balance owing was now {$6000.00} plus. Once I voiced my dissatisfaction with their accounting tactics, I was reassured this figure would fall off with coming days. On XXXX, I opened mail at my home from this lender, and was horrified to see I was still listed as having a debt of {$6000.00} ; which I had specifically asked to cancel. I believed I was within my rights to negate the loan, since five business had not elapsed once I returned the cashiers ' check. Immediately I contacted the office and was told repeatedly, the manager would contact me via phone, which never materialized. After the XXXX holiday, I contacted the office and was reassured the loan app would be nullified, yet this has n't happened. Each time I try to impose my right for cancellation, I am told the {$6000.00} sum is being maintained for paper control, and I am only liable for the {$1800.00}. plus which remained on a prior balance. I contacted the headquarters of this company and verbalized my frustration and wrath in being forced to take a loan which I had clearly voided. Supposedly, the headquarters will investigate this matter within seven to fourteen days. Additionally, my duplicate set of the loan application was confiscated by the manager, so I do n't have actual documentation to contest their procedures.

Company response to consumer: Closed with non-monetary relief