vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a mortgage account with CHASE back in XX/XX/XXXX that account was closed and paid in full XXXX XX/XX/XXXX, in XX/XX/XXXX I applied for a credit card and the application came back rejected, the reason because all XXXX credit reports showed on the status of the account collection charges. I did not pursue the credit card any longer and forgot about my credit report ( because my attorney had written to CHASE and the reply from them was that everything was ok with the credit report institutions. XXXX years later about XXXX month ago I was house hunting, I found the house and the financial Institution that was going to give me the loan said that XXXX of the XXXX reports were showing a account balance of XXXXXXXXusd ( XXXX , XXXX ) and all XXXX showed amount past due XXXX with the account closed XXXX/XXXX/XXXX and their last report had been XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX This should have been fixed the minute the account was closed but XXXX years later the XXXX of the XXXX Credit Reporting Institutions show that red flag making lose the opportunity of acquiring a house at a good price, hope you can help straighten this mess out as quick as possible, thanking you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Tried for two years to get a mortgage modification from Chase Bank Finally succeede in 2012. But only brought it down to 7 3/4 % Terms were that {$32000.00} would be forgiven each year for three years provided that we paid on time for the entire year. They said that we would be expected to pay taxes on the forgiven amount. No tax forms were ever provided even though I made several requests. Finally this year I declared the XXXX without the form. After XXXX XXXX they told me that the government said that we had to declare all of the {$96000.00} in one year. They said that they will pay to have taxes re done but no interest or penalties. By declareing the money all at once we hit the 30 % tax bracket. It is costing us an additionalo {$15000.00} in taxes. Is there anything that can be done to help us out? We received the modification because our finances were tight after my husband had XXXX and had to quit work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: FL

Complaint narrative:
We sold our house in XXXX Maryland in 2011 and paid our last monthly payment to XXXX by electronic transfer from our bank account. XXXX/XXXX/2011. Proof of payment to XXXX from XXXX XXXX XXXX enclosed. 
On XXXX/XXXX/11, XXXX sent us a REFUND. Enclosed is copy of the letter from XXXX that accompanied the refund. 
XXXX repeatedly sent us bills for the amount that was paid, even though we repeatedly sent them copies of the completed transaction. 
Enclosed is a copy of the bill from XXXX/XXXX/2011. 
Many phone calls were made to them with to no avail. We gave up. 
They then turned the bill over to a debt collection company which in turn as sold the debt many times to other debt collectors. We are being constantly harassed by the latest debt collector, Southwest Credit Systems. 
We are now applying for a mortgage and this old debt on our credit reports is affecting our interest rate. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am a XXXX and I currently have around {$42000.00} in Direct Public Loans ( DLSCNS and DLUCNS ). My service provider was originally XXXX/Navient and I believe I was given poor information on my repayment options. I worked for a XXXX for 2 years XXXX , XXXX, and XXXX. When I was with XXXX/Navient I was weighing my options on wether or not I should enter XXXX Loan Forgiveness or Public Service Loan Forgiveness. I spoke to numerous XXXX/Navient representatives on the phone and I was advised to go with the Public Service Loan Forgiveness. I submitted all the required paperwork for the Public Service Loan Forgiveness, however once I consolidated and moved my service Provider to XXXX servicing I became aware that the two years teaching at a title I school and the one year that I taught at a Not-for profit school, that my payments did not qualify. Now I am 4.5 years into forgiveness and only 1.5 years will count. I feel as though I was wronged by incorrect information from several XXXX/Navient employees whose job it is to know the specifics of their field and provide guidance. Now it will take longer for my loans to be forgiven through this program. Someone needs to look into this discrepancy and figure out how I can get my hard years of service of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: IL

Complaint narrative:
Rise Credit Financial ( also known as XXXX XXXX, XXXX XXXX ) is refusing to work with me in extending payment plans and being deceitful in not explaining the interest rate up front. I was told originally that this was not a payday loan but an installment loan with low interest rates. I was not made aware of of the high interest rate of 98.71 % until after I signed the loan documents. My maturity date is XX/XX/XXXX with a total of {$8200.00} to be paid in full once this loan matures. I currently pay $ XXXX monthly on a {$4000.00} loan. I have made five payments and my current principal is {$3900.00}. This company is a scam, I would not recommenced this organization to anyone whether you are seeing a long or short term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I had a payment due for a line of credit from a furniture store, I had to pay off the balance before the end of a 6 month special financing. I mailed the check 15 days before the due date for the full remaining balance, now on my latest statement, it says the payment was late, almost 20 days after I mailed it. so now I am subject to a late fee, which will then cause there to be an outstanding balance, where they then will charge me the exorbitant amount in interest on my entire balance at time of purchase. I have made every payment on time or early and my balance would have been paid in full had they not intentionally sat on the check until it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am current on my mortgage with Chase Bank and have been since XXXX 2013. My interest rate of 10 % is a predatory loan which I have tried unsuccessfully to modify twice with Chase to no avail and can not qualify for HARP because my loan is not with XXXX. Chase continues to add unwarranted fees such as having someone come by my house, which I 've been in for eight years now, to make sure " my family still lives there ''. I was just put in collection in XX/XX/XXXX while not being late on my payment. When asked why, I was told because my payment was late. Clearly it was not. They waived the late charge but I 'm not sure they will report this correctly to the credit bureau. I need help getting rid of this loan and refinancing to a market rate loan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Speedee Cash Management
State: GA

Complaint narrative:
The collection agency is reporting that i open a loan in XX/XX/XXXX when it has original date being in XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MN

Complaint narrative:
My house went foreclosure in 2009, had XXXX mortgages, XXXX mortgage said they served me letter to court which l never got, but later went to the count, it indicated that they had served my daughter who was XXXXyears then who were being watched by my mom who did not know english and it also showed that the house was sold already, and according to what l asked them when l was getting the loan they had said if am not able to pay they were to take the house and not garnish my wages.IT seems they passed it over to the creditors who are garnishing me, and yet when l talked to XXXX they said the loan was written off because they got bail out besides house was sold, and even the credit bureau states that it was deleted by the court and it is written off. so now is there any way l can get help, or should go ahead and file for bankruptcy, please help with better option, am single mom with XXXX kids struggling to make ends meet, and working really hard but this is killing me l need better solution than bankruptcy, because that means l can never get the cheap house for the kids in the next XXXX years, struggle is really and this is really for me please give me quick solution before plan for bankruptcy, Thanks, God bless America, please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient consolidated school loans taken out in my name for my daughters college education. She became critically ill in the first semester of her XXXX year and recovered, but had to drop out of college. Navient attempted to collect XXXX XXXX dollars a month on her school loans! At the time of the consolidation the loan was {$29000.00}! In 2007. I had XXXX children at home, I was going through a divorce, and had to move out of my home and buy another during the height of the mortgage crisis. Each time I spoke to a representative, they sugested forbearance. And never ONCE offered an alternative solution. This has been a living XXXX working with these people, all of whom reside in the XXXX and are very difficult to understand. I had to claim bankruptcy and shortly after had to go out on XXXX for 10 months fora XXXX. ( Navient said they could n't do anything but forbearance ). Now my payments are up to {$440.00} per month and the balance is up to {$48000.00}!!!! 
Frustrated in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient was supposed to simplify my XXXX loans. They did not. They made them worse. Lied about payment options, lied about time to pay off and interest rates. XX/XX/XXXX and XX/XX/XXXX I took out loans for a for profit school, which turns out gave me a degree that is n't even acredited when they said it was. They promised job placement and got none. Told loans totaling {$22000.00} would be paid off in 10 years ... I have never missed a payment. 8 years later I still owe {$19000.00}!?!? Something is fishy here ... I have XXXX private loans too. One account number for all XXXX, but checks have to be sent to 3 separate addresses. Which they do n't tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
In the transition between XXXX and Navient my student loans which were being paid on monthly were thrown into default. I have hired a lawyer to help me resolve this issue, as it is impeding my credit and I am unable to buy a home. The debt collector and Navient both will not respond to neither me or my lawyer. I am eager to resolve this matter and become current on my loans. I owe approximately XXXX and the only response is to pay in full or I can not pay at all. They will not set up payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I HAD NOT BEEN PAID ON TIME FROM XXXX AND I HAD BEEN CHARGED OUTRAGEOUS FEES BY AMEX SERVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
The condo at XXXX, XXXX, FL XXXX was abandoned by the owner in XX/XX/XXXX, and has sat empty since. XXXX held the mortgage, and repeated attempts to get them to foreclose failed. In XX/XX/XXXX the mortgage was sold to XXXX. 

After nine years the condo fees for this unit now total more than {$100000.00} ... an expense that has had to be shared by our 39 other owners. This particular condo was bought at the height of the real estate boom, and it is unlikely the property value will ever return to that level, especially considering a new subdivision next door will soon block our view of the water and lower the property values. 

Bottom line, the likelihood of the bank making a profit on this mortgage would seem to be very slim. 

Our 39 other owners have had to pick up the fees and expenses on this unit. Since several are XXXX, this has been a hard financial burden. 

It has been nine years since the owner abandoned the condo, and several legal attempts to get the foreclosure process started have failed. It makes no sense for any bank to continue paying property tax while our owners assume the expenses of this unit, with no end in sight. A foreclosure will at least end what is a money losing proposition for all parties. 

We respectfully request that those with the power to start the foreclosure process do so in order for the unit to be sold. We realize we will lose most of the fees, but this will at least put a new owner in the unit, one who will assume their fair share of the complex expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo, XXXX, XXXX and XXXX have a disconnect that results in a severe bias in all XXXX of my credit histories. The bureaus show no record of an existing WF Home Equity Line of Credit on my home. There is therefore no record of my timely payments. 
The lack of this record of timely payment of mortgage debt obligation severely depresses by credit score and unfairly interferes with my ability to refinance my home by creating a higher interest rate. 
I filed for CH XXXX bankruptcy in XX/XX/XXXX. During the bankruptcy period, the reporting of this debt stopped. This I believe is in accordance with federal law. No problem. 
I completed this bankruptcy early .... discharged XXXX The reporting of this debt should have resumed at that time ; the recording of that debt should have also resumed at that time. 
I have attempted XXXX times to have Wells Fargo begin reporting the last 12 to 24 months of payments on this account with the original loan creation date, about 10 years ago. It still does not show on any credit report. 
I have attempted twice, direct to each of the bureaus, to have this matter corrected. I received varied responses but ... ... .the mortgage and history do not show on any credit report. 
First my credit ratings are penalized for having filed CH XXXX ... ... that is a public record derogatory that depresses my credit rating. Understandable and fair. 
But to deny me the benefit of my timely HELOC payments since my bankruptcy is unacceptable! 
Wells Fargo states they can not report my account since " it was discharged in bankruptcy ''. The payment to WF through the bankruptcy trustee was terminated when the bankruptcy was discharged. The loan was not discharged in bankruptcy. Proof : I still receive and pay a monthly invoice for this account that goes unreported. 
If a collusive practice among banks to also not report post-bankruptcy mortgages, this ( if not ) should be illegal. I make this statement as I 've had similar problem with XXXX. ] I simply want my credit histories corrected.

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 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Recovery Services, Inc.
State: OH

Complaint narrative:
I shared with this collection agency, that XXXX XXXX is attempting to collect a debt through them that is not valid. I am asking the company to verify that this a real debt and proof of where I agreed to sign a contract with this company to keep or store my stuff beyond leaving the XXXX XXXX. In addition, I need copies to the bills that that XXXX reported they sent to my house prior to collection for prior years ( which never occured until XXXX. I offered to give company settlement they stated XXXX would not accept. I was then told that the illegal debt from the original biller would be on my credit if not paid by XXXX/XXXX/2016. I offered to pay or make payment of something. I am requesting that this not be placed on my credit or deleted until this company sends the proof XXXX has right to bill me ( copy that I signed contract with them ) which never occured to keep storage etc. 

I am also asking nothing to be placed on my credit and removed immediately if placed until this verification and or agreed upon outcome with XXXX /settlement with agency has had time to respond or develope. Please also note that I wrote via email for this verification over three weeks, Southwest stated on email today he would send ( but later denied ) stating ok I will send the letter and verification you request, the later claimed I was stalling a bill and oh he mailed to my home over 30 days ago. but earlier in email he stated he would verify and send. Point is he is trying to collect a an illegal debt and he is refusing my basic right for it be verified specifically with a letter or copy from original creditor where I signed to place my items in storage and keep my items in storage for a certain amount each month or payment terms or something. ( they dont have record of nor does the orginal company. So instead Southwest is claiming lies that I am stalling payment when I told him that if an agreement is not made I will be forced to pay a illegal bill. I am here for one goal solve this!!!!!!!!!!!! 

Southwest cant verify either nor did they mail anything to my home, because my contract for storage or signed information with that company does not exist and after agreeing to me he would send he then changed his course and lied stating that he mailed out thirty days ago. If that were true why would I have requested in writing verification 2 weeks ago and today? really? 



Please note I can email to someone the entire email conversation with Southwest today. and copy a few statements to verify this I was unable to upload proof but I can email later to your address. 






XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I want the CFPB to protect me 1. I DO NOT OWE Select Portfolio Servicing {$260000.00} 2. I did not owe the XXXX XXXX the money I paid them. 
3. I did not owe XXXX the {$53000.00} balance for which they foreclosed on my property 4. They had no right to foreclose on my property for a XXXX bank loan I paid off in a mortgage on my house. 
5. There was no XXXX loan they took MY money to pay off XXXX. Now I 've paid back my credit money with interest paid someone else that did n't give it to me and it was still in the mortgage on my house I paid again. 

I have paid {$540000.00} cash to my first mortgage I have paid XXXX separately to the second mortgage I paid an extra {$45000.00} to a VA loan no one gave me. ( I paid off my buyers loan ) I paid the balance AND {$130000.00} to the XXXX loan before they foreclosed I have paid at least double taxes and insurance on XXXX properties. XXXX of which I did not own. 
I have paid off XXXX thirty year loans in 15 years. 

Amount borrowed XX/XX/XXXX someone gave me {$47000.00} for my duplex XX/XX/XXXX someone loaned me {$210000.00} for my house XX/XX/XXXX someone loaned me {$38000.00} I have paid {$850000.00} in cash, a duplex and a {$270000.00} payoff statement for my {$270000.00} house. 

{$540000.00} to XXXX for {$430000.00} {$100000.00} {$840000.00} to XXXX XXXX XXXX for {$740000.00} {$85000.00} {$580000.00} to XXXX for XXXX XXXX {$69000.00} to XXXX XXXX for XXXX {$48000.00} XXXX total paid. To house XXXX principal XXXX due XXXX owed XXXX paid. 
They owe me {$130000.00} on the first {$45000.00} on the second ( XXXX ) Or XXXX {$180000.00} for my duplex And the {$270000.00} we do n't owe XXXX {$49000.00} field adjustment = XXXX escrow disbursed since XX/XX/XXXX Or XXXX for XXXX properties since XX/XX/XXXX. 
{$32000.00} field adjustment = duplex balance? 
Or XXXX x XXXX + XXXX paid to XXXX Regardless count {$150000.00} paid to house. 
And {$130000.00} to duplex + XXXX overpaid to XXXX {$300000.00} + XXXX not owed XXXX paid to house pays XXXX 15 year loan. 
{$250000.00} - XXXX escrow they owe me {$170000.00} XXXX? 
They owe me another {$130000.00} for my duplex Escrow on duplex? They owe me another {$27000.00} less XXXX escrow disbursed at XXXX {$310000.00} XXXX do n't owe {$580000.00} is how much somebody owes me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation