milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This is for my XXXX XXXX XXXX ending in # XXXX. 

In order to business with XXXX factories from the USA ... the only payment method is Credit Card I had a {$4000.00} balance on my cc with a $ XXXX line of credit. 

I borrowed approx. {$2500.00} as a cash advance from XXXX. The next day I paid back {$5000.00} in cash to XXXX ... double what I borrowed. 

The cc company applied the $ XXXX I sent in to pay back my other cc balance, paid less than half of the cash advance balance ... and charged me ( and are still charging me ) the huge interest rate for the cash advance ... even though I paid back actually more than twice what I borrowed. 

This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I own an occupied resident. I was not aware of a loan transfer to another company, until I received a letter by XXXX with a returned check stating that owe {$17000.00} or go into foreclose. I called the company that I was sending my payments to, the person I spoke to said that they were transferring the payments that I was sending to the new company. I do not know why the original company did not send and email about the transfer. The first person I spoke too at new company could not answer my questions she hung up, so I called back an spoke to another person she explained to me that the company took over my loan XX/XX/XXXX. I asked her why such a high payment she told me that they have not received a payment since XX/XX/XXXX, escrow changed I do n't have escrow and that I owe for their legal fees. She told me that they tried to call but no answer I told her the number they were calling was changed about five or eight years ago. She asked how else they could get in touch with me, I mentioned to her that every other company that took over my loan in the past 25 years has always sent a certified letter within two or three months of taken over. I notice that my account number has changed. I also mention to them that I have no problem of paying my monthly payments if I was aware of this problem when they first took over the loan. And now they want me to pay more which I do n't have in my bank account. I explained that I have n't missed a loan payment in 25 years until this company took it over. I found out that the previous company was returning my payments from XX/XX/XXXX to present. I was asked to submit a dispute letter about the payments. I was trying to get more information before I wrote a dispute letter, so I sent them copies of all my payments to see what they had and I checked with my bank to see what was cashed, returned or that I have n't received. After I sent these copies, that not even a week they sent the amount to pay by wire. I received this letter two days after the date. At that time I was trying to get more information to write my dispute letter. I received a letter that discussion for dispute was closed. At this moment I have not received any correspondence with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a student loan that was opened through XXXX XXXX Navient opened in 2003 account # I have a number of late payments that are showing up on my credit report from this loan and even yet still reporting 14 years later! These late payments occurred because Of False certification ( Ability to benefit ) I was XXXX at the time and when I went in for a school tour I was given False information and I was told I did not need to have my high school diploma or GED after I told them I did not meet the criteria. I was then giving an entry exam along with a cheat page that had all the correct answers to the test in order to pass it and for them to obtain financing for the loans. At the time I was completely unaware this was against the law and others same situations regarding charges against XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX changed name to XXXX XXXX XXXX Since then it has been extremely difficult to find a job in the field for which loans were taken out for because of no high school diploma or ged therefore putting me behind on repayment. I had to get government assistance to take care of my XXXX children and still struggling with getting back on my feet due to my credit history I am unable to get a house or permanently situated.I am not disputing the fact that these payments were late. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where I am attempting to buy a house. Having these late payments and prolonged 14? year old student loan dept on my credit report is making it very difficult for me to get financing for a home. I need these late payments and student loan reporting removed from all three credit bureaus. I have taken the time to educate myself on how to avoid this from happening in the future in hopes to better my life for me and my children.

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. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Consumer Loan (Vehicle loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (MN).
Issue: Managing the loan or lease

Complaint: My dealership never went over what finance company had my loan. I knew what month payments were to begin and I figured I would for sure get some notification ( email, mail, customer service call etc ) and I never received anything. I had no idea at this point how I could ever find anything out since nobody has contacted me in any way! A collection agency called me and I made the prior and current month payment, they never informed me who my loan servicer was. So, process repeated itself, this time I did n't get a call so I decided I would call random banks and see if they had an active auto loan with them. When I called BMO Harris, they said yes. I explained my situation and frustration with the company and how that 's not a great start for a new customer to the business. I asked if this was going to impact my credit and the representative said yes because it was past 30 days. I then re-explained the situation and frustration and she said that if I could provide proof that I had the money in my accounts ( which I had ) at the time of payment being due that they could reverse the credit hit. She was going to see if we did n't have to even go through those steps of providing proof by checking with a manager and calling me back. She called me back and said that even providing proof she wo n't reverse it because my mailing address was correct. I explained I just recently bought the house I 'm in and I have n't received any mail from BMO and that I clearly had no idea who had my loan as I called multiple banks to find where my loan existed. They said they do n't send out emails and that the mail is the only documentation they send. I said I live in a townhouse and have a small mailbox within a pod of other mailboxes for everyone else on my block since they 're town homes as well. The representative would n't do anything for me. I have PERFECT payment history for all my auto loans and this is my fourth I 've ever had. I even said, let this conversation go on record! I now know who my loan servicer is and we have had a conversation about what I need to do going forward. Leaving that conversation feeling like the representative/company thought I was lying and actually an irresponsible person trying to take advantage of their business is sickening, disrespectful and unfair.

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 04-09-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan has been under 78 % LTV and I have requested in writing twice for Wells Fargo to drop my PMI coverage as the Homeowners Protection Act of 1998 states. They refuse and state I have to have it for 5 years. I have been under 78 % for more than 3 years. They state I have to be under 78 % and seasoned 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (I do not know) with John C. Bonewicz, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS COLLECTOR KEEPS CALL ME SKIP TRACING FOR XXXX XXXX, OR XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Incorrect/missing disclosures or info

Complaint: Sir/Maam : The Issue was im mistaken to sent money to my nephew using XXXX names which is " XXXX XXXX XXXX XXXX ". dated XX/XX/2017. i found out that he is only using one name which is only XXXX XXXX XXXX . Tracking number XXXX in western union.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: In  XXXX , we refinanced our loan from  XXXX   XXXX  to  XXXX   XXXX , who went under. In  XXXX   XXXX  changed it 's name to  XXXX  and in  XXXX  it transferred servicing to  XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX   XXXX  filed an unlawful detainer summons and complaint in  XX/XX/XXXX  and again o n  XX/XX/XXXX   .  XXXX    XXXX   transferred  servicing to American  Home Mortgage on   XXXX   but yet all the paper work that was filed in  XXXX   County Superior Court  was  done by   XXXX  &  XXXX   .  In  XXXX ,  XXXX  sent us a  XXXX  -abandoment, which  was not filed with the I.R.S. The parties above were represented by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , which they made no appearance in court, they sent a  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , who worked for  XXXX   XXXX   XXXX , real estate realtor, who  American Home M ortgage hired to evict us from our home with no documentation, which we know for a fact because we met with  XXXX   & American  at a Hope seminar at which time they had nothing pertaining to our loan & this was done  thru HUD.  XXXX   Dept of  Real Estate took  XXXX   XXXX  license for selling our property & dividing the money among them self 's. We have been trying to get help in  XXXX  County. We are asking for t he State & Federal to  oversee  XXXX  County as to why no help to consumer 's who lost their home thru wrongful foreclosure. We were escorted out of home by  XXXX   Sheriff Civil Unit without  a Writ issued by the court. This is our second complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: Hello, This Complaint is in reference to NationStar Mortgage in Texas and Aurora Loans { bought by NationStar }. 
I am stuck in a Financial Situation where I can not move forward with obtaining any type of Mortgage because by Debt Ratio is 97 % against a Property I no longer own or Reside in, but my X-Wfie still resides in. Because of a Court Ordered Decision Involving a Divorce Settlement in XXXX, I was forced to sign a Pro-Quit Claim Deed assigning ownership to my X-Wife. I insisted that since we could not refinance the property { XXXX prior attempts }, that my name would not be removed from the Mortgage at that time Aurora Mortgage. My X-wife mentioned to the Judge that a Loan Modification could be performed so she could make affordable payments to stay in the Home. The only Issue I had with that is even if the mortgage was modified to a lower payment, my name would not be removed from the Mortgage. 
Well, the Divorce proceeded, and after months of paying my x-Wife additional court order spousal support to maintain payments on the home until the payments were modified ( 10 months later ... ). But when i went to check a few months after it was modified, my name was still on the Mortgage. I called Aurora, and they said the mortgage was bought by NationStar. Then NationStar sent me a letter after I inquired about it, that they could not remove my name from the Mortgage unless i refinanced the Loan. I explained to them I no longer have ownership of the Home, due to the quit-claim-deed. This time frame was XXXX. 
After a few years of hoping my x-Wife would be reasonable and refinance the home under her own name, there still exists the same result as back in XXXX. She is either unwilling or unable to refinance the home, her payments are affordable but my name is still on the Mortgage. 
I have struggled financially since XXXX, unable to buy a decent Car, and unable to get approved for any type of Mortgage because my debt ratio is 97 %. The difference now is that in XXXX I got married and have a larger family. 
I believe this is Legally and Morally unfair to me and my new Family as I can not provide for them any type of Home, due to a mortgage that is sitting on my Credit Reports at 97 %, and again a property I do not own according to the County Reporters office, but only on NationStar Mortgage 's books. I have made multiple attemps this year with NationStar Mortgage, with Phone Calls and Emails, but unable to speak to a True Manager there. 
This situation is Fincially hopeless, unless my name is Removed from NationStar 's mortgage. I can then move on with my Life Financially for my new Family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a current secured loan with XXXX XXXX. It shows on my credit report accurately. Problem is that I have 12 closed accounts with XXXX XXXX. Every time I renew my loan for more money, they close the current account and open a new one. But they have refused to delete all closed 12 accounts from my credit report. I have never had a bad remark with this company. I want these closed accounts removed! This affects my credit rating. What is the problem with removing these old accounts that were always paid off????? 

XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed- Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. 
XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest BalancXXXX XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-AmounXXXX owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello to whom this may concern, My name is XXXX XXXX and my husband XXXX XXXX XXXX passed away in 2012 leaving me with a Discover card debt. I recently started a refinance and found that I had a lien on my title from Discover. I contacted Discovered and settled for less than was owed and I paid off the account. They were supposed to issue a release for the lien on my title and they have not. They keep telling me that the attorney needs to sign off as well as Discover. I paid them 3 weeks ago and am still getting the run around. I need the lien to be released already because it is holding up my current transaction for re finance. Please Help, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our story began around XXXX of 2012 when my husband was out of work and my sister passed away.We used our funds to go see her before she passed.At this time we got behind a couple of months and there was XXXX other month we got behind so total 3 months. We went through a modification and for after a very long process of emailing, faxing and mailing the same papers over and over again.We paid our payments for a year and then finally they said they were going to send a paper for us to sign.We got the paper it was a subordination agreement.We called and asked who was suppose to sign it they said the court house, then we went there they told us no it was n't them.So over and over again for about a month we called Flagstar and they said different things each time.We were all over XXXX XXXX trying to get this paper signed.In the meantime we received no letter telling us a time frame and then XXXX day when I called to make a payment they refused it.This was not the first time they had refused they had also mailed back our payment originally when we first got behind.We have since been to court three times and payed alot of money to mail and fax the same papers over and over again and nobody there knows what there doing.We have had to apply now yet again for modification because of the paper they said we had to have signed that nobody could say who needed to sign has now forced us in to foreclosure.It has been emotional and stressful we just want an answer and we want people to never get a mortgage with Flagstar Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (MA).
Issue: Charged fees or interest you didn't expect

Complaint: took out a XXXX loan in XXXX of XXXX have taken other loans from them and they always took out principal as well as finance charge. im not sure what happened with this loan but i have paid 12 payments of XXXX and still have a balance of over XXXX i have recently become ill and told them that i am going on XXXX XXXX XXXX. i am willing to give them the balance of the loan which is under XXXX but i can no longer make the 780 % interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. Equifax is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XXXX 2015 and account number # XXXX. It does n't make any sense for this to be on my Equifax report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXX XXXX  deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: Hi, Last year I filed a complaint for the same reason, XXXX bank transfered the loan # XXXX to Carrington Mortgage Services, L.L.C. Loan # XXXX, since then I receive threats and harsasments from carrington, for me is a nightmare and XXXX XXXX wo n't do anything. I never missed a house payment to XXXX and I never missed any payments to carrington.Yesterday I had to block their phone number and their e mail. I DID NOT ASKED XXXX XXXX TO TRANSFER THE LOAN.

Company response to consumer: Closed with explanation