vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XXXX XXXX, XXXX my mortgage ( including escrow ) increased by {$350.00} a month primarily due to my taxes increasing due to an {$8000.00} energy loan I made to repair damages to my property for an insured flood loss I suffered in XXXX XXXX. I applied for a loan modification to my mortgage company and while in processing in excess of 2 months, they sold my mortgage to Freedom Mortgage and I commenced the process over again with them. Finally they offered my a modification that only decreased my payment by {$180.00}. This low amount does n't really help me. I am a XXXX year old XXXX unable to get employment, living on social security retirement a couple of small pensions. I have a " special needs '' XXXX daughter who is now XXXX yrs old. As a result of unexpected expenses my credit card debt balloned to {$46000.00}. I did credit counselling and entered into a debt repayment plan to pay off my credit cards ( now closed ) over a 6 year period inorder to save on excessive interest payments although I am paying off the entire debt, but at a lower rate of interest. 
As my financial hardship was not alleviated by the modification and my debt repayment program, I counseled with HUD who told me I should apply to KYHC. I did and after a very long processing period with many documents provided, they just approved a principal mortgage loan reduction XXXX XXXX ( although they would not provide me the details ) and sent it to Freedom Mortgage for their acceptance which they said would take approx 3 weeks. Then KYHC called me back the same day ( yesterday ) after I made the inquiry and I was advised that Freedom Mortgage denied to accept their principal reduction plan because I am in a 3 month trial modification. This of course both parties were always aware of from the beginning of this frustrating process. I can not accept that Freedom Mortgage will not accept the KYHC assistance is offering me. I am desparately trying to hold onto our home as I simply ca n't be homeless with a XXXX year old to take care of and I ca n't afford to pay what the rental market requires if we lose our home. KYHC advised me today that they will close my file without even allowing me the opportunity to dispute Freedom Mortgage 's decision. I was lead to believe that KYHC was a federal program to help home owners save their homes. Both entities have put me through so much over many months to now end up with this unsatisfactory result. If the lender now has the option to deny the aid I have been offered, what is the point of putting someone through all of this when they are already suffering a hardship. Please help me get Freedom to comply. I am not providing documents as KYHC has approx XXXX documents as does Freedom Mortgage Thank you. 
Respectfully yours.

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 2016-07-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XX/XX/XXXX I worked with the local Fifth Third Bank branch as my commercial loan that is guaranteed personally was ballooning as it was a 5 year note. When I went to the branch to sign the refinance papers, XXXX XXXX advised they could n't complete the refi because of a tax lien that showed up on title and that I would have to work with the Special Assets Group ( SAG ). I worked with XXXX XXXX in SAG to complete an extension and he advised me he did n't know why this was in SAG and would refer it back to the branch. 9 years and XXXX extensions later, SAG is now foreclosing on my business property. Through each extension, the interest rate increased from 8 % to now 15.5 % and the fee gouging with each extension has gone from {$1000.00} up to {$2500.00} per extension plus a fee to complete the execute of the extension. Due to the significant increase in principal and interest demands beyond my financial means, I have sold my home and moved my family to a small dwelling to try and maintain this loan. The IRS did not accept an offer in compromise with the selling of my home, but has agreed to subdordinate to Fifth Third if they would modify into an amortizing loan. Fifth Third SAG officer, XXXX XXXX advised they do not modify loans and they " no longer want to do business with XXXX XXXX XXXX '' although I have been a paying customer since XX/XX/XXXX with multiple loans and accounts. I am a XXXX year old veteran and the recession hit my new construction painting business hard. I have XXXX children I provide for and have had no choice but to stop paying due to their predatory practices. The property that is collateral for this loan is necessary for my business to continue to be successful and provide for my family. It is a business operation I use to finish products for new construction, maintenance and storage for my company. With the monthly payment required of {$1600.00} on a {$55000.00} loan I can not keep up with the banks demands and care for my family. I am currently working with the IRS representative XXXX XXXX to request a withdrawal of lien in hopes Fifth Third Bank will modify the loan. The threatening emails and constant demands for a deceptive and unfair payment has jeopardized my business and livelihood of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc
State: VA

Complaint narrative:
I am writing to dispute a bill that I received from United Consumers Inc. on behalf of XXXX in the amount of {$990.00}. After I terminated services with XXXX, I never received a final bill ; they simply sent this account straight to collections! There is no way that I 'm going to pay for services that were not provided to my children as I had to pull both of them out less than a month into the XX/XX/XXXX-XX/XX/XXXX school year due to negligence on behalf of the staff at XXXX. Their father and I had to pay more than {$400.00} to get them enrolled at another center on very short notice. My XXXX XXXX XXXX was being bullied by an older boy at XXXX and even after complaints from my mother and myself, no one took action. After speaking with the regional mgr. at Corporate a day or two after the incident was initially reported by my child, I informed her that since the director of the XXXX XXXX did a poor investigation of the situation, my children would not be returning as I did n't feel like they were being protected there. I also explained to her that this has caused me to miss a day of work as I had to scramble to make new child care arrangements for my children. The supply fees are for the entire school year, my children were there barely 3 weeks. I will fight this balance tooth and nail because there is no way I will be paying almost {$1000.00} for less than 3 weeks of childcare that turned out to be a terrible experience for myself and my child.

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a Chase Credit Card that is co-branded with Marriott. I used to pay {$85.00} a year but now my circumstances have changed and I no longer need the credit card but I do n't want to close the account because it will have a negative affect on my credit rating. Chase refuses to off an alternative - either I have to pay {$85.00} extortion or I have to close the account which will have a negative affect on my credit rating and is an unacceptable alternative. This is not fair to the consumer and this issue needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Focus Holding Company
State: NC

Complaint narrative:
Focus Receivables continues to make multiple robocalls each week to our home number for a debt that doesn't exist.  We have no unpaid debts with any company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Johnson Mark LLC
State: OR

Complaint narrative:
I am being sued by Johnson Mark LLC who claims they are working on behalf of XXXX XXXX. I have already submitted one complaint, ( XXXX ) but I am now submitting a second one for fraud. 

I received a complaint to appear in court with Johnson Mark claiming to represent XXXX XXXX on a old debt they know nothing about, and have not provided affidavits for. The debt they are trying to sue for they have no claim to, they do not own the debt and are bill collectors. They are trying to force a win by default, trickery and scare tactics. If they do not amend the complaint on their own to show who the true plaintiff is in the case. I will write a motion to the court. 

In addition, I will be calling the bar association to report them for misrepresentation in the the complaint, and by trying to get me to settle a debt with them that I do not owe with a demand letter. This is Fraud. 

Furthermore I will be filing a separate complaint against XXXX XXXX, as they have also committed fraudulent credit card lending practices and scare tactics trying to get me to pay a debt that has been paid off many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: WI

Complaint narrative:
There is a collection account listed on my credit report and the name of the collection agency is " Focus Receivables '' after reading hundreds of complaints I have determined that this is a scam company waiting for me to call and give them my social security number. I want this to be taken off of my credit report but I know that is n't possible without exposing this as a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc
State: MD

Complaint narrative:
This debt should n't have been sent to a collection company in the first place because I submitted my health insurance card when I received treatment in the XXXX ( XXXX ). I have been call ingredients this XXXX billing department and talking to supervisors who all acknowledge it was their error and they 're working on taking it off collection. Yet nothing has been done. This has continued to affect my credit score resulting in high interest rates on my mortgage and car loan.

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 2016-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: SERVICE 1ST MORTGAGE, INC.
State: GA

Complaint narrative:
Service 1st mortgage claims to help veterans but what they actually are doing is ripping them off with outrageous fees. They also solicit borrowers within 3 months of closing on a refinance to try and refinance again. ( Churning ) Also they have individuals who work on loan files with private information ( credit report, income documentation and social security number ) The files are not stored in locked file cabinets and they are scattered everywhere and not stored away. Also Loan officers do n't sign any of the applications or any other documents pertaining to their loan that they originated. Employees are not paid overtime when they exceed XXXX hrs and no benefits with employees. This company is a compliance office dream! They should be shut down

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC
State: NY

Complaint narrative:
United Recovery Systems has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that United Recovery system cease calling my mother 's home where I do not reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My account statement for a Chase Credit Card was due on XXXX XXXX in the amount of {$1700.00}. I processed the payment in full on XXXX XXXX XXXX day prior to the due date in the amount of {$1700.00}. The back of the statement states and I quote " If you pay your account in FULL each billing period by the due date and time due, NO INTEREST is charged on new purchases month to month ''. I call this evening and question why when I paid my account balance in full per my last statement was I charged {$25.00} interest. I was told that is the interest due from the XXXX of the month until such time I paid my balance on the XXXX. That is contradictory to the information listed on the back of their statement. He then proceeds to tell me that if I pay the new balance in full with the interest charge by the due date I will not be charged any further interest. That is exactly what I did last month but yet am charged interest. I am forwarding this information to legal counsel as well as it appears there is " double dipping '' occurring and they feel the consumer wo n't questions this. If a statement balance is paid in full by the due date it is paid in full. At this rate you would never pay the card off as they would continue to generate interest monthly unless you overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I am a XXXX in XXXX. I have applied for XXXX Loan forgiveness from Nelnet. 2 months ago I received a letter stating I was being turned down because the name of my XXXX was written in the wrong way. I filled out the form again and included a letter from my former principal stating that I was highly qualified XXXX fulfilling all of the requirements for XXXX loan forgiveness. I just received a second letter saying that I need to fill out the forms again because a supervisor 's title is cut off, a date is not written clearly enough, and that a supervisor signature is by stamp. I have been told by XXXX at my school that this process takes at least four months because Nelnet comes up with different reasons for several months just in order to be able to continue charging us. Some teachers are being rebuffed if they fill out service of more than 5 years, because Nelnet only wants 5 years noted on the TLF application. This is ridiculous! I know they 're intending to give me the loan forgiveness, because they have already put my account into forbearance. I am a hard-working XXXX and according to the law I deserve this XXXX loan forgiveness. What Nelnet is doing is against the spirit of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
DEBT WAS NOT DELETED ONCE PAID AS AGREED UPON

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have earlier had a dispute about my credit card with Chase. After checking with XXXX, I find Chase has me listed on a Chase account I do not have. I use to be an authorized user on this account ; however, my name was taken off the account about XXXX months ago. The account number is XXXX and the name on the account is XXXX XXXX XXXX Case XXXX Response.pdf a dispute about my credit card with chase

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I contacted Chase to find out how to make a final payment on my home equity line of credit ( HELOC ) loan to pay it off. I was given mis-information ( told I could only get the info and complete the transaction via US postal mail or by going to a physical branch location - which XXXX, MA does not have ), was placed on hold for extended periods of time, spent literally hours on the phone with Chase personnel over the course of 4 days. All I wanted to to do was pay off my loan. It seemed that none of the " front line '' people could provide accurate, reliable information about how to do this. It also seemed to be a process purposefully designed to be inconvenient and difficult with the intent to dissuade people from paying off their loan. It turned out, once I complained more forcefully and mentioned contacting the Consumer Financial Protection Bureau, I was transferred to a supervisor and told that they can take payment via telephone ( with electronic transfer - as I have been making on a monthly basis for the last 10 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase lowered my credit lines to within a couple hundred dollars of the balance claiming our other cards had rapid increase in balances, ruining my credit. That is because we were using 2 cards to do our major remodel, and were going to pay them off after. They have better rewards than you. This ended up showing THESE cards being maxed out. My other 2 cards you were referring to were still within a few thousand of the credit line. NOT MAXED. During our remodel, my husband had emergency XXXX. You are discriminating against people due to humanitarian reasons. You lured us into getting a XXXX card for 0 % when we went on our big XXXX vacation in XXXX, then wreck my score. This mendacious, deceitful business practice will not be tolerated. I have now PAID THESE CARDS IN FULL! But wait, you have now added a {$64.00} finance charge on the XXXX card because my payment posted the same day as the cycle date. I WANT THAT REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
In XXXX XXXX I filed bankruptcy, a reaffirmation was requested from Westlake for my vehicle, Westlake did not send the reaffirmation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX my attorneys office reached out to Westlake to get the reaffirmation agreement. I also contacted Westlake on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Westlake sent a reaffirmation with the incorrect dollar amounts for the balance due on the vehicle, on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called Westlake to get a reaffirmation with the correct amount sent over so I could sign and send it back. Westlake never sent the corrected reaffirmation agreement. On XXXX/XXXX/XXXX my attorney stated just that I just needed to manually make the corrections to the dollar amounts and send the reaffirmation agreement back to Westlake which I did. Unbeknownst to myself and my attorney my bankruptcy had been discharged on XXXX/XXXX/XXXX. Westlake refused to honor the reaffirmation agreement. Since XXXX/XXXX/XXXX I have disputed that the reaffirmation agreement should be honored and to date I have made my auto payments timely, Westlake is still refusing to honor the reaffirmation agreement therefore payments are not being reflected on my credit. All of my conversations with Westlake were recorded and Westlkae was made aware they were being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My complaint is in conjunction with a complaint filed XXXX XXXX, XXXX ( Acct # XXXX. That complaint was against the servicer XXXX XXXX XXXX XXXX ( XXXX ). After providing supportive evidence of my complaint to XXXX ombudsman office, XXXX XXXX and their attorney it has become evident they intend to do nothing about the mistakes in accounting on my loan. Prior to XXXX being the servicer JP Morgan Chase under the brand name of EMC Mortgage Corporation was the servicer and prior to Chase it was EMC. My complaint involves errors in accounting at the time when JP Morgan Chase purchased XXXX XXXX which was owner of my account. More specifically in XX/XX/XXXX. As a result of these errors which include a notice of foreclosure based on information that I was behind in my mortgage payments. After presenting evidence to XXXX from my bank statements and from the payment history supplied by Chase it became evident that gross errors were made. As a result of these errors I signed a repayment contract and later on asked for and received a modification which allowed the money allegedly owed on the foreclosure to be added to my principle. This was all done by EMC/Chase who was acting as servicer. As a result of these circuitous dealings XXXX has been charging interest on an erroneous principle. 
Since SPS is doing nothing to correct this situation I am filing a complaint against JP Morgan Chase where the problem originated. However, XXXX has perpetuated in issue. I am now in foreclosure. I have a seller for the property. I need the amount owed to reflect correct accounting. Aside from the mistakes mentioned above there was also under reporting of mortgage interest.

Company response to consumer: Closed with explanation