milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Advertising and marketing

Complaint: I had a chase XXXX card. I was offered to " upgrade '' to a " premier visa '' for a higher annual fee. In return, I was offered XXXX bonus points after spending {$3000.00}. I completed the upgrade and spent {$3000.00}, but did not receive the points. When I called to inquire, I was told " I am sorry but our system will not allow us to award the points to an upgraded account ''. When I read the offer, the customer service rep said that they understood because they have received the same complaint from others, but the system prevents them from fulfilling their offer. My issue is that I met the terms and increased spending based on this offer, and now Chase is not meeting its end of the offer, and the customer service rep acknowledges that this is a problem where they are misrepresenting the offer. As a result, I informed rep to cancel my account on XXXX/XXXX/2016 and that I would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Consumer Loan (Installment loan) with 1st Franklin Financial Corporation (AL).
Issue: Problems when you are unable to pay

Complaint: XXXX APPLIED FOR A LOAN WITH 1St FRANKIN FINANICAL IN XXXX XXXX, XXXX. THEY APPROVED ME FOR THE LOAN OF AROUND {$600.00}. MY FIRST PAYMENT WAS DUE XX/XX/XXXX AND I WAS UNABLE TO MAKE THAT PAYMENT DUE TO JOB LOSS. THE COMPANY THEN STARTED TO MAKE HARRSING PHONE CALLS TO ME, MY FRIENDS, AND FAMILY. WHILE LOOKING FOR A JOB I REVIEWED MY CREDIT REPORT THAT 1ST FINACIAL MADE, XXXX UNAUTHORIZED HARD INQUIRES ON MY CREDIT REPORT. XXXX WAS ON XXXX XXXX, XXXX AND ANOTHER XXXX ON XXXX XXXX, XXXX. THEY DID N'T HAVE THE APPROVAL FROM ME TO PULL MY CREDIT AT THAT TIME. THEY PULLED DOWN MY CREDIT SCORE AND I THINK THAT IS NOT LEGAL TO PULL MY CREDIT WITHOUT MY CONCENT. I 'M STILL WITHOUT EMPLOYENT AND BY THEM PULLING MY CREDIT WHEN THEY WANT TO JUST BECAUSE THEY HAVE MY INFORMATION IS UNFAIR FOR THE CUSTOMER. THEY ARE REALLY LOWERING MY CHANCES FOR ME TO LAND A JOB BY PULLING MY CREDIT AND LOWERING MY SCORE. I 'M SURE I 'M NOT THE ONLY ONE THIS HAPPENED TO. THIS COMPANY NEEDS TO STOP THE UNFAIR COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with SUNTRUST BANKS, INC. (FL).
Issue: Other

Complaint: I am filling a a series complaint against the XXXX credit agency 's. 

I have been working on this for over a year. It effected my health. Ability to obtain credit, the Ability to be hired for 2 jobs. 
I have disputed several issues on credit report to all agencies. According to the Fair Credit Act the dispute that is in question must be removed unless they provided documentation to the credit agency 's as well as notifying the consumer within 30 days. I have not been notified on any issues that I have disputed to the credit agency 's by the agency 's that I am disputing. There is no group or forum for me to speak to congress about this. I do n't understand why a cusumer as I must do all the work and follow the rules but yet no one wants answers to there mistakes. I have called 20 times or more on each on issue to the agency who has reported something bad on me, and written several letters ; which I have proof of all. Of course No response from any. What is my next course of action??

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 04-11-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I got a letter from mortgage co telling me they no longer would pay my ins this after they had collected themoney for the past year.During this time my taxes were reduce by 40 % .So they end up having my money in escrow for billsthey no longer were paying.After numerous phone calls to them they refuse to refund my over payment and reduce my escrow amount. 
In XXXX of XX/XX/XXXX after giving up I made a payment for the total of principal and interestwhich they posted as all principal.So after XXXX XXXX XXXX XXXX months of being lied to I have not sent in a payment.Now they are foreclosing on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Fifth third is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and 5th3rd needs to delete this off my credit as it is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXXt/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach 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 non-monetary relief
Consumer complaint received 09-12-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: I tried to do a Loan modification with shelllpont mortgage. My husband had XXXX. I am having trouble making payments. My interest is at 6 % They refused to help me after waiting over 3 months. Sending in the same paperwork over and over again. They said I had too much equity in my home. You would think this would be a good thing. I have been living in this house for 40 years. I do not wish to lose it. All I am asking for is a lower mortgage payment. Shellpint is obviously making a lot of money off of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a phone call from XXXX at XXXX pacific time, they asked for a person with my same last name but had my first name pernounced incorrectly so I told them they had the wrong number. I called the number back out of curiosity and it states XXXX XXXX XXXX Knowing I had registered my number with the US government to do not call I have no idea why this number would of called me. I blocked that number and I want it to stop whoever it is plain and simple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: XXXX XXXX XXXX XXXX est I called XXXX customer service at XXXX about my account stating, '' Login not permitted We 're sorry! 
We have a problem with your account that needs to be fixed before we can restore your online access. '' When i called the number it transferred me to an agent whom i spoke with and said that i needed to verify my account. I answered the standard address, phone number, last 4 of ssn etc to verify my account. They proceeded to ask me if i had a device that i could receive a security code on such as a mobile phone or landline. I do not have a cell phone at the moment and provided the agent with my landline to receive the code. My landline happens to be through XXXX XXXX and is a VoIP # that was bundled with my package deal. Because this number is a VoIP # the agent and her manager whom i spoke with both refused to give me the call back so i would be able to receive the code, stating that my chosen way to receive phone service was not secure. They would not help me, tell me anything about my account except that i would have to wait for the mail ( Paper mail ) to receive my code so i would be able to log into my account. 

The second issue i have with this company is there holding policy on credit. I made a payment on my account for over XXXX dollars and because of this, they processed the payment, took the payment out of my account and then as of the last time i seen my account status, ( XXXX XXXX, XXXX ) still had my credit as unavailable for use. They told me when i called on XXXX XXXX, XXXX that it would be up to another 3 days before they would release my credit, even though they had the payment, it cleared my bank account and was in there account. What shady business practices is Synchrony Financial running with there credit operations. I feel as though there discriminating against me because i choose to pay off my account balance instead of continuing to pay them there absurd interest rate payment every month.

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 09-11-2017 about Debt collection (Auto debt) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Good Evening, On XX/XX/XXXX a representive from XXXX, based in California contacted me about a debt my father owed to them and asked if I could give them his information. They disclosed to me at that time the debt was on his XXXX XXXX. I did not give them any information and hung up. On XX/XX/XXXX the same company contacted my ex wife about the same situation and disclosed the same  information to her. On XX/XX/XXXX I submitted a better business bureau comlaint against the company to which they never responded and sent them an email telling them to stop contacting me and my ex wife. On XX/XX/XXXX a representative from the same company contacting me saying they would stop contacting me and my ex wife. In the email the representative carelessly left a reprimand they sent to another employee about leaking clients information via mass email. The information I received was that the clients were late on their payments and it included every clients email address. I will give you the email should you ask. Then today XX/XX/XXXX. The company sends a tow truck to my ex wife 's address in UT to collect my fathers car, he lives in CA, and gives her roommate a card with my fathers account number for the claim on it asking her roommate to contact my father about the debt. I have pictures of the card as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: We have a mortgage on a rental home that turned out to be a XXXX adjustable. This past XXXX, 2015, it adjusted and the PITI increased by {$900.00}. We contacted the mortgage holder, ASC, and inquired about a modification. For 4 months we submitted paperwork to them. They asked for paperwork that appeared to have nothing to do with the modification requested. All docs were provided yet they asked for the same documentation over and over and over and over. Ultimately we were denied. On the phone our " representative - XXXX XXXX XXXX '' said we were denied because the property was titled to our XXXX. However the letter we received from ASC said that we were denied because we were NOT behind on our payments. We appealed with reasoning based on the Denial Letter rather than that verbally given by XXXX XXXX. Denied again, even though the property had since been Quit Claimed out of the XXXX and back into my name. XXXX XXXX continues to say the denial was due to the XXXX titling and that our only option is to re-apply for another modification. We have asked XXXX XXXX for documentation showing the denial was due, as he continually says, to the prop being in an XXXX AND for the HAMP guidelines to see if we 're wasting our time requesting a modification. He refuses to provide either, and double-talks us when we point out the inconsistency between what he tells us and the letters we 've gotten from ASC. 

On-line research into ASC shows that there are an amazing amount of complaints against the company relating to modifications including delays, denials or giving specific instructions for people to get behind in their payments so as to qualify for a modification ... and then foreclosing rather than modifying. In our case we feel we were jerked around for 4, now 6, months making payments to ASC rather than shopping for a refinance. For 4 months our file was reviewed by an Underwriter who seemingly had no training at all - evidenced by continual requests for documentation already provided and an obvious failure to understand what was submitted ( we are XXXX ). And now we are being told to re-apply by XXXX XXXX. In an email request for specific modification guidelines, XXXX XXXX states that his supervisor told him he is unable to provide written guidelines for the modification. He also refuses to provide the letter stating we were denied because the property is in a company name. Are n't we entitled to a valid denial letter? Are n't we entitled to know what criteria we need to meet in order to qualify? It seems as if it is a moving target without any specifics, so denials and approvals are random. We are being given a run around and now XXXX XXXX is not answering emails at all. This is definitely fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX colleges committed fraud and I should not have to pay back these loans because even though I received a degree I have not been able to get a job even though the college promised they would help me get a job and they lied about people getting hired!!!!! I 'm sick of making payments to these fraudsters please HELP ME!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: As of XX/XX/XXXX I have been seeking help from my bank .SELECT PORTFOLIO SERVICING, the process was back and forth with documents. During the process, every time I follow up over the phone, representative says that I am not qualified because I have done a modification before and could not do it again. After a year XX/XX/XXXX received a denial letter showing NPV. 
This year my husband got laid off and all we are seeking is for us to start anew from our behind payments. Started processing application on XX/XX/XXXX and same thing.. 
1 ) Documents processing is too long..Thought processing take only 30 to 45 days. but asking back and forth for documents2 ) sent all the application together with the attached documents, bank statements, pay stub, tax return and others. Calls to verify if threy received..said yes but everytime I call to verify or follow up once a week, a new documents needing again. Asked to process because im afraid theres an expiration to each documents categories. My account manager said " NO '' theres no expiration. Then talked to another representative, ,yes there is an expiration. I am still sending documents here and there. Theres a lot of things happen 8 months. Within 8 months they still asking for documents. Last one is the statement..they said that I have not circled my income within the statement. But I circled it previously, keep sending it until wait again for another expired document ... .then theyre going to ask to send again. 
please..all im seeking is an answer and help. These faxing back and forth is a time consuming and its expensive per document. Please help.. bank statement will expire in another month..and pay stub will expire in one week..and no answer yet. All I receive a call is when they ask for documents to resubmit or say it expire. I hope to hear from you soon..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage loan with 21st Mortgage that includes impounds for taxes and insurance. We received notification today ( XXXX XXXX, 2016 ) from XXXX XXXX that 21st Mortgage failed to make the insurance premium payment, and that it is due in full ( {$620.00} ) on XXXX XXXX, 2016. They stated they sent the policy renewal bill to 21st Mortgage 45 days ago, but have not received any response. I attempted to call 21st Mortgage, but they do not have any representatives available on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Rewards

Complaint: American Express agreed to credit my account with XXXX points after XXXX in purchases were applied to my account in the first XXXX months. This agreement was based upon a promotion at the time I agree to sign up for the card. I have not received the XXXX points.I have contacted the company XXXX regarding this matter over the last XXXX billing cycles and I still have not received the points. 
The delivery of the card was delayed XXXX and I was promised a XXXX point credit for the oversight and delayed delivery. I never received the XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I just got a new mortgage provider and was looking forward to making bi-weekly payments instead of monthly payment so I could pay down the loan quicker and better connect my payments to my bi-weekly paycheck. But my mortgage provider wants me to pay a {$150.00} setup fee. I do n't think it 's fair to charge me for this pay structure which can help me save money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: Last month I made a payment on my Citi Card account. The payment was for the amount of {$64.00} but for some reason I only paid {$52.00}. Did n't matter though because they did n't even post that amount on my current statement indicating that it was n't paid. They also charged me a {$37.00} late fee also based on non-payment. The amount I was billed this month was $ XXXX contacted their office and was basically given the run around. They apologized for not posting the payment and said the {$37.00} would be removed. I asked what the payment would be based on the fact that they did receive the money last month and the {$37.00} was removed. They told me {$160.00} because of late fees and non-payment. I reminded the representative that that payment was made and they missed it so any late fee did not apply. I 'm fed up with this company and went through the same thing 2 months ago. What can be done?

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 02/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BB&T CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2015 BB & T took over Susquehanna bank and my mortgage was transferred to a new account with BT & T. I had brought the mortgage current by that time. The terms of the mortgage have the due date as the XXXX of the month with a 15 day grace period. I made the XXXX payment at the XXXX, PA branch. I soon started getting letters and phone calls saying I was past due on the mortgage. I returned the phone calls, went through the data with a representative and thought the matter was cleared up but the next month I received a statement saying I was 2 months behind and started getting phone calls again. I returned the phone call and went through the payments again. This has gone on until I reached I reached XXXX at BB & T and again thought the issue was resolved. I made the XXXX payment on the XXXX of XXXX and thought everything was fine. Then I got XXXX letters dated XXXX XXXX & XXXX and a phone call on XXXX XXXX saying I was 2 months behind and they were going to report it to the credit agencies. When I called them they had to check my account again and said they would start sending letters and making phone calls on about the XXXX of each month if the payment was not made by the XXXX of the month even though the payment is not late until the XXXX of the month. I recently checked my credit report and found they had reported to credit agencies that I was 2 months behind and lowered my credit score even though I have never been behind since BB & T took over.

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