milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2016 about Debt collection (Credit card) with G. Reynolds Sims & Associates, P. C. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: G. Reynolds Sims, took over a credit card debt that I had for approximately $ XXXX last year, around XXXX XXXX. I was actually wrapping up a divorce at the time. I was making monthly payments and having them auto deducted from my checking. I moved however did not change my phone number and also forwarded my mail as well as legally changed my address. Five month later this law firm contacts me and says I now owe them over $ XXXX. They requested documents, tax returns, pay vouchers, bank statements, which I provided back at the end of XXXX XXXX. I did not hear from them again until recently when they, without communication or notification garnished my bank account taking all my money, plus the bank charged a {$120.00} fee for doing so. They took {$400.00} and this occurred about two weeks ago. I found out about it when I tried to purchase food with my debit card and it was declined. I logged onto my bank website to find my account balance to be XXXX. I called the bank and they investigated these transactions and indicated that G. Reynolds Sims garnished my account. How is it legal and fair that a company can do such things. I was reasonably trying to work with them to settle this debt and make payments. None of the XXXX other companies I 've dealt with had any problems calling me or sending me communications by mail to resolve my debts. I was and have been doing the responsible thing and trying to pay these debts and not just declaring bankruptcy like many people seem to do and just walk away. Can your agency please assist with this company and their handling of my account? How can a company purchase a debt for pennies on the dollar then turn around and charge over 30 % interest on the original debt amount? If this is legal then I think I want to go into the business of buying charged off credit card accounts as well. To be honest I am fearful of them and their tactics. I have been nothing but cooperative with them and have not been trying to dodge them like some consumers do. I am at my wits end with them and am at a total loss as to what to do in handling them. Any assistance you can provide or any recourse with this firm would be much appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA).
Issue: Wrong amount charged or received

Complaint: Moneygram short changed the exchange rate on money sent to XXXX by almost XXXX dollars. I caught it because I had checked the exchange the day before. I have send money previously but never paid attention. If they are doing this routinely they are profiting enormously off of people who can least afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: I have a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting my payments late. I am current on my account. They have me as 60 days late on Equifax and I have called XXXX about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2017 about Bank account or service (Other bank product/service) with Comerica (CA).
Issue: Making/receiving payments, sending money

Complaint: My state issued ski payment was transferred over the phone on XXXX XXXX 2016 and i filed a complaint and had to go thrust a lot if run around to finally get the funds returned to me and this is once again happening on the XXXX of XXXX I tried to withdrawal the funds from the direct express card and the arm transaction was declined so I called and they said I tried to transfer money over the phone again and they expected me to fax a 2 forms of is so I went to the police department and they sent the 2 forms of is and after a bunch of return calls finally was allowed to withdrawal XXXX of the benefits at around XXXX and this is not the only card being fraudulently used so I needed to cancel all of my cards and I am trying to file for identity theft assistance I am not in a financial situation to continue fighting this situation please help

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (MA).
Issue: Struggling to pay mortgage

Complaint: I received  a Home Affordable Modification Program mod ification on my 1st loan with  XXXX . I was told since I have a 2nd mortgage wi th Citi  Mortgage I would receive the  2MP  modification for my second loan with  Citi bu t I never received it. I contacted Citi mortgage multiple times and asked my Point of Contact where these documents were, they said to wait and it would come in the mail. I waited months and still have n't received m y 2MP modification on my 2nd mortgag e. I was approved for the HAMP program with  XXXX  in  XXXX  of   XXXX   and it 's almost been a year now and I still have n't received the documentation for my automatically mo dified 2MP on my 2nd mortg age  with Citi. I would appreciate some explanation on where my 2MP modification is and when I will receive the documents. Citi mo rtgage has failed to do what they said they would do. They said since I got the HAMP modification on my first mortgage they were mailing my approval for a  2MP and I never received it. WHAT IS GOING ON!? I have also done research and on the HAMP website it says I qualify for a 2MP a utomatically. I would appreciate some help, thank you.      XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 02-09-2017 about Mortgage (Home equity loan or line of credit) with KEYCORP (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HELOC loan initially opened at XXXX XXXX Bank in XXXX. First Niagara Bank bought XXXX XXXX Bank in XXXX and took over the loan. Key Bank bought First Niagara in XXXX, and then assumed the loan from them. Since Key Bank began servicing the loan, there have been nothing but problems. The most serious of those problems is that Key Bank has been reporting the loan to the credit reporting agencies incorrectly since they assumed the note. I have contacted Key dozens of times over the span of 4 months to try to get them to fix it. Each time they tell me that they are reporting the loan correctly or give some other excuse. They are not reporting correctly. They are reporting the outstanding principal balance as the credit limit, instead of reporting the actual credit limit. This is causing the credit bureaus to report my debt to credit ratio as 100 %, which is negatively impacting my credit score. The actual debt to credit ratio is less than 70 %. They also do not have the correct dates listed for the loan. 
The " Executive '' customer service team looked into the problem and finally came to the conclusion that Key Bank " HAS '' to report the loan incorrectly and have the incorrect dates because the type of loan that I have did n't fit into the computer billing system of Key when they assumed it, so they modified the data to get it to bill correctly. According to them, the damage to my credit and the wrong reporting is an " unfortunate, unintended consequence '' of what they need to do to get the billing correct. They have stated that they do not have a way to correct this problem and have no intention of doing so. And after four months of it being incorrect and of me complaining, they told me not to contact Key Bank about this issue. I tried to escalate it beyond this level, but was told that there is no escalation, and I could not even deal with anyone else in that department. All decisions made by the " Executive Team '' are final and are made by only XXXX person who answers to no one and has no supervisor ( supposedly ). The choices I was given were live with the problems or find a different bank. 
I am sure there are numerous other customers who have the same type of loan that was initiated by XXXX XXXX bank that are in the same predicament.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I realized after logging into my Chase online banking that one of the balances in my accounts was lower than it should have been then opening that account I realized a wire in the amount of {$160000.00} was sent to an account within XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX located in XXXX Arizona. This is a company I do not know nor did I send the wire. I immediately went to Chase and changed all of my bank accounts and cancelled any online access to ensure nothing else could be taken from the account. I then find out within 48 hours that my cell phone has been hacked and the date it was hacked was XX/XX/XXXX the same day the monies were wired out from my bank account. It just so happens this was the same day that I had downloaded a mobile application from XXXX which I signed up for to protect me against Identity-Theft strangely their headquarters is located in Arizona the same place my monies were stolen from me and sent too to a corporation XXXX XXXX XXXX XXXX is also located and was formed a month prior to this all happening to me. I dont believe this was all a coincidence. Somehow me signing up with XXXX started a chain of events which ended in someone stealing my identity and wiring money out of my bank account. These monies have not been replaced and I after filing police reports, reporting with the FTC and DA And Chase Fraud department I still feel like no one is really helping or giving me any answers. No one can tell me anything except sorry we have done all we can do.. Tis is not an acceptable answer when monies that have taken me years to save up are now gone from my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Closing/Cancelling account

Complaint: In XXXX 2016 XXXX XXXX sent an email to renew my subscription. I replied to say NO. They charged the money to my US Bank credit card anyway. I called US Bank for more than an hour and a half, no one answered the phone. I called XXXX XXXX, they agreed to pay back the money, but refused to pay back immediately.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX- US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX XXXX -- I DID NOT  AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT- I CURRENT HAVE A CREDIT CARD WITH THIS COMPANY BACK IN XX/XX/XXXX, THERE WAS NO NEED TO RUN MY CREDIT. 
XX/XX/XXXX- XXXX/XXXX I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX US BANK -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX  XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX I- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX ACCOUNT IS APPREARING TWO TIMES ON MY CREDIT REPORT, I ONLY ONE ACCOUNT WITH THEM AND THIS ACCOUNT HAS NEVER BEEN LATE. 
XX/XX/XXXX-XXXX/XXXX ACCOUNT NEVER PAID LATE ACCOUNT IS ALSO SHOWING TWO TIMES ON ACCOUNT, I ONLY ONE ACCOUNT WITH 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 explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, my name is XXXX I have since graduated from college in XXXX and I have accumulated XXXX federal and private loans mostly in private in loans. I graduated with a degree in XXXX and never got a job in my field, which was highly upsetting to me, but that 's not the issue. The issue is that Navient sold my debt to XXXX XXXX which is a debt collection company, I highly do n't trust, their website is just a simple enter your credit card and continue and they are even more impossible on the phone. According to my navient records I have XXXX loans with payments over XXXX in late fees which are ridiculous, which are XXXX of the entire loan itself. I have recently started making payments on these loans, but I know there is going to be an issue down the line with my credit on buying a car or a home and I ca n't have this over my conscience. I live at home at XXXX years of age only making XXXX after taxes working XXXX hours a week. How am I supposed to save any money when I have XXXX debt over my head. It 's frustrating and sad, and I just want it resolved. When I called Navient, to try and get everything taken care of again, they said that the debt collectors handle everything and took no responsibility for any help. It 's a private loan and no debt consolidation companies can handle that, which makes it even worse. I do n't know what to do anymore. Navient also showed that my loans for federal were paid off, and that was a lie as well, instead I called the federal student loan people and I have XXXX loans in default, and they garnished my tax return last year and I do n't want that to happen this year. I just want to be debt free, or at least a strongly reduced debt that I was manage and pay off like a credit card debt. I do n't want say I 'm a XXXX ( born in XXXX ) and that I expect everything handed to me, I do not. I work so much that I do n't have any time for myself and just want justice for me and everyone who has been screwed and harassed by XXXX XXXX, Navient, XXXX. I really hope the CFPB follows through, that we get justice, and that XXXX/whoever runs a cleaner company and makes money the right way, by working and helping a customer, rather than robbing them and destroying their credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TN).
Issue: Struggling to pay mortgage

Complaint: In XXXX, A near XXXX experience occurred during XXXX  XXXX. 
This caused for a 5 month delay in returning to work. 
As I returned to work my pay had been reduced due to a shift change. 
I became behind on my mortgage I formerly applied for mortgage assistance and none of the various servicers who bought my loan would reply. 
I left the home and thought the home was foreclosed. 

Last year I began to receive information from a company called Penny Mac. Turns out the home is not foreclosed after 5 years of non payment. I am in a better place financially and would like to keep my home. In XXXX XXXX, I began to inquire about mortgage assistance. I was told the only way for assistance is if the home was occupied again. 
I paid $ XXXX to restore electricity, clean up home from XXXX, break ins, etc. I communicated with Penny Mac that we are reclaiming possession in hopes of a loan workout. NO FORECLOSURE DATE was scheduled. Due to the City of XXXX XXXX XXXX and Architects it took XXXX weeks to gain clearance for electricity Turn On. 
I alert XXXX we are back in home and ready to start loan mod process XXXX advises the home is scheduled for foreclosure XXXX/XXXX/XXXX. 
I immediately follow instructions from XXXX  representative XXXX and sent in package complete with all items as directed XXXX and XXXX website checklist. I was advised that the foreclosure would be postponed once the package was received and a Special Point of Contact was assigned. 
Last Friday XXXX p.m. XXXX, I was contacted by XXXX XXXX XXXX by phone advising Me that I should give Proof of Hardship within XXXX hours ( request by Investor ) That would mean gain medical records or something from XXXX yrs back over a weekend. 

XXXX XXXX and XXXX advised me to contact CFPB in hopes of making sure that I am treated fairly. I am attempting to repay this debt and keep My Home. 
I am told I am eligible for XXXX XXXX Funds IF the Foreclosure is postponed to give time for application process. I am told I should have been given a Forbearance of payments. 

Bottomline, I ask for assistance for a postponement of foreclosure sale. I have followed the instructions of XXXX, take back possession XXXX $ XXXX invested ), apply for loan mod, and respond promptly. 

Please assist Me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't contact lender

Complaint: Lender made an unauthorized hard credit inquiry and will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: 0n XX/XX/XXXX I received my load for {$29000.00}. I stared paying back my loan in XXXX. I had trouble repaying loan so the navients customer service agent strongly suggested to defer my payments. I was paying the intrest and nothing toward the Principal. They insisted that was the best option for me. Knowing what I know now, it was the worse option. Im still repaying my loan. I have repaid over double what I was given. Instead of the agents helping and looking for the clients best interest they were only looking out for Navient Solutions. Im hopping to get Reimbursed for getting taken advantage of. Navient is not a trustworthy loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: I would like to issue a complaint that Wells Fargo violated several acts of Mortgage Fraud and Predatory Lending. Should I seek legal counseling, he/she will contact the appropriate parties. 

The term " mortgage fraud '' is typically used to describe fraudulent practices by borrowers in order to secure loans they can not afford to repay or to secure loans that exceed the value of the home or homes in question. Because they do not involve defrauding the government, these cases have nothing to do with the False Claims Act. However, fraudulent lending in cases where mortgages are guaranteed or insured by the government does constitute a violation of the False Claims Act. 

Since the financial crisis of 2008, the Federal Housing Administration ( FHA ) and the Department of Housing and Urban Development ( HUD ) have become major players in the housing market. In fact, more than 40 % of new mortgages today are backed by the FHA through loan guarantees and mortgage insurance. Lenders may also obtain mortgage insurance from the FHA to hedge against mortgage defaults. 

If a lender knows that it can purchase mortgage insurance on a particular loan, it may be more inclined to lend money to an unqualified borrower. Taking out FHA mortgage insurance on a loan that the lender knows to be fraudulently obtained or likely to default may be a violation of the False Claims Act because it involves claiming federal funds based on fraudulent activity. Any other type of fraud or falsification related to obtaining or making a claim against FHA, mortgage insurance may also violate the False Claims Act. 

Reporting mortgage fraud against FHA or HUD is a public service because it helps the government recover funds needed to help Americans legitimately secure affordable housing. That public service is rewarded under the False Claims Act, which allows whistleblowers in successful cases to receive a substantial percentage of the money recovered as a whistleblower reward.

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