milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I spoke with  National Credit Systems  on  XXXX   XXXX ,   XXXX   a t   XXXX   XXXX   (  MST ) regarding a removal of an account that has been paid in full several years ago. The account representative that I spoke with on a recorded line agreed to electronically send the removal to all  XXXX  CRAs on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX   I called all  XXXX  CRAs and none of them had received an electronic communication. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ) I called  National Credit Systems a gain and spoke with my account representative 's supervisor. Again, on a recorded line, they agreed to send an electronic communication to all  XXXX  CRAs to remove the account from my report. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ), I called  XXXX  and was able to have the agent call National Credit  Systems  and  get  a verbal confirmation of removal from them. This has since been removed from my   XXXX   report but not  XXXX  or    XXXX   I would  National Credit S ystems to either respond to the disputes that I have placed with the  XXXX  CRAs or to actually do what they have promised and send the removals over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (CA).
Issue: Struggling to pay your loan

Complaint: Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed XXXX XXXX of our finicial hardship. We ask XXXX XXXX to work with us and informed XXXX XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX to work out new repayment terms. We were unable to to Pay the excessive interest % rate on our loan and we were unable to Pay {$160.00} twice a month, which were deducted out of my bank account every pay day. 



I also e-mailed XXXX XXXX know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate. 
XXXX XXXX has also threatened to sue me and refused to work with me. 
I have not recieved a default letter by mail nor e-mail XXXX XXXX responded by, '' stating my account would be refered to an attorney if I did not pay according to current loan terms '' and I would be sued for the remaining amount I owed on my loan ''. 
XXXX XXXX is refusing to work with us in regards to our documented finacial hardship. 
XXXX XXXX is refusing to work out an affordable repayment plan, so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by XXXX XXXX I feel XXXX XXXX took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive % rate on my loan and with excessive payments {$160.00} twice monthy equals XXXX monthly. 


I was never sent a default letter my email nor by mail, XXXX XXXX is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have more than XXXX Ultimaterewards points accumulated in my Chase account over many year which worth over {$2000.00}. I just noticed that the point balance returned to zero. I called the custom service and they told me that my Chase freedom card was closed by Chase due to inactivity ; hence the points balance was forfeited as I did not redeem the points in time. Even though Chase claimed that they have sent me letter notifying me about the account closure ; from my side, I have not received any about account was closure. Hence, I was not aware that I should redeem the points. I accumulated the points over many years as a customer using Chase credit card, forfeiting the points is not a fair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received pre.approved confirmation certificate from upgrade company for low fixed rate loan on XX/XX/XXXX I went to the company website at XXXX and to check my rate with out impact my score as been shown in steps of that website then I found hard inquiry in my transunion report from webbkupgrade on XX/XX/XXXX and I do n't even complet their application they mention clearly it not impact to check rate.i thought nothing will impact my credit score as I never send then any documents to apply for this loan just wanted to check my rate and how much line I will approve for. thanks

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 08/18/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have tried on numerous occasions to have these inaccurate debts removed my credit reports. I was never given notice that I had a right to dispute them before they were added. Upon checking my credit reports, that is how I found out about the accounts. I have disputed the debts with this company, asking that they validate that I have done business dealings with them, also asking that they send me proof of my signature agreeing to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Struggling to pay mortgage

Complaint: I applied for payment assistance with Wells Fargo and was accepted until XXXX XXXX. The agreement was to pay $ 25 monthly until I was able to pay. In XXXX XXXX I found employment in XXXX, WA. I contacted my payment assistant representative and informed her of such, and that I would be putting my home in XXXX XXXX MO on the market. There was a contract on the house and I accepted it. On XXXX/XXXX/XXXX I received a disclosure for the closing on the home, Wells Fargo added an additional XXXX to my loan amount and when I called the representative stated that it was for foreclosure proceedings. I completely complied with the payment agreement, I was not aware that my home was in foreclosure and set to sell on XXXX/XXXX/XXXX. When I informed the representative that I had sold the house she told me to not send any more payments and the proceeds of the sale would be applied to the home. I am furious and I feel that Wells Fargo has been fraudulent.

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 02/21/2017 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX is listed as a petitioner for the XXXX AS TRUSTEE SURF XXXX XXXX in a order for foreclosure of my property at sale for XXXX XXXX. ADDITIONALLY I SEE NOTHING LINKING XXXX TO XXXX AS A DEBT COLLECTOR. 

XXXX XXXX is a employee of a debt collector firm and is not associated with XXXX or XXXX. 

THE DEBT WAS disputed in XXXX. Servicing transfers give XXXX no right to pursue foreclosure. XXXX never reported this alleged loan to its shareholders for 8 years until XXXX sued me. 
XXXX is pursuing foreclosure for XXXX AS TRUSTEE of SURF XXXX XXXX,. there are several very illegal issues here and I face losing my homestead due to the lack of consumer protection in the non judicial foreclosure process in XXXX county. THE deed of trust is void due to the failure .assignment into a securitization trust occurred after the trust 's closing date so any subsequent alleged transfers were void and done to harass me and to try to perfect something that did not exist. 

FIRST - The debt was discharged in XXXX and XXXX - then a " servicer '' was granted relief from BK and in their petition attached there i no record of XXXX at all because it did not exist. the assignment recorded in XXXX may pass texas law for late file claim but it was done to fraud the court. It did not exist in a prior XXXX copy of note received in XXXX. 

THIS is discharged debt and void deed. The failure to take action through XXXX servicing transfers and 9 yrs is an extreme abuse as none of the servicers could provide a payment history of any kind. 

Back when XXXX had " servicing right they acknowledged there were no records from XXXX on any payments yet could not explain any change in loan amount of principal to the amount they claimed. 

the SEC cutoff date for submission to the trust was XXXX XXXX. NOW 10 years later a debt buyer is attempting to associate himself with a valid claim and has violated FDCPA rules against attempting to collerct a debt from me with dozens of statements claiming I owe past due payments. By failing to provide proof of claim. by executing a fraud assignment with XXXX XXXX XXXX when neither was a party to any alleged note and by continued property inspections of the home i live in for 20 years. 

They have reported to credit agencies a deficiency when none exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated from XXXX in XXXX, Texas in XX/XX/XXXX. Around XX/XX/XXXX I called XXXX XXXX ( my loan carrier ) to find out the total payoff of my student loan. I told it was roughly {$21000.00}. So I paid the full balance. I believed I had paid my entire loan off and had XXXX balance. Eight years later XX/XX/XXXX, I started to receive loan bills from Navient. I contacted Navient to see what this was about and they told me that they had been doing me a favor. For the past 8 years instead of paying off my loan they had been holding my {$21000.00} in a separate account and paying off my loan in monthly payments without notifying me of this activity. Then they send me a letter stating that I only paid {$20000.00} and at the time I was quoted over {$30000.00} that I still owed. They spent {$21000.00} on monthly payment instead of paying off the entire loan and now with interest they tell me I owe an additional {$19000.00}. I never received monthly statements or anything until Navient tells me I owe them ( not XXXX XXXX ) an additional {$19000.00}. This is some kind of Ponzi scheme or extortion. Its also affecting my credit score. I paid off my entire student loan years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with CURO Intermediate Holdings (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: On  XXXX   XXXX ,    2017  I saw a charge come through for {$59.00} that was taken by this company called  XXXX   XXXX . They stated that it was for insurance on a card. I informed them that I did not make that purchase and they wanted me to fill out this form and send back the card. I told them how can i do that if i dont have the card. So I went to my prepaid card company and they told me that I would have to send in a letter stating what happened in 10 days. I sent the letter but they stated that they didnt get it. Then I sent it in again and by this time it was after the 10 days so they stated that they wouldnt be able to issue a courtesy credit. They stated that they would just go ahead and dispute with the merchant. So they did and the long wait began. I was told that they gave them until  XXXX   XXXX  to respond and it was only  XXXX . I was very upset because im unemployed and have no other income coming in. I called alot to check on the status and every time i called it was a different story. So i wanted to cancel that dispute and put it in again just to get the courtesy. T his one representative told me that I can do it. SO when it was time for me to cancel the dispu te i was told that i couldnt and that it would be no guarantees that I would get the courtesy. So i told them to just leave it alone. I checked my account  XXXX  and the m oney was there but they took it right back. Its been one thinn g after the next. So  XXXX   XXXX  comes and they tell me to refax the written statement that they originally wanted. And today I was told that the merchant have until  XXXX   XXXX  to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Other

Complaint: i HAVE XXXX ACCOUNTS FROM USAA THAT I HAVE RECEIVED AN XXXX FROM. YET THESE ACCOUNTS ARE STILL POSTED ON MY CREDIT REPORT. ACCOUNTS ARE XXXX AND 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 02/15/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment for my private loans. 6 months after graduation, I reached out to Navient to discuss my repayment options since my salary was not adequate to make payments and was told that my payments could not be adjusted to my income.Instead, I was told the only I options I had was graduated repayment which lowered my overall monthly payment by {$200.00} and increased {$400.00} after 1 year or deferment. Although I was willing to make monthly payments that were adjusted to my monthly salary, they would not work with me on finding alternative income-driven plans. Although my salary has not increased in the last year, my payments have increased tremendously. I can not sustain these payments much longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (MD).
Issue: Struggling to pay mortgage

Complaint: I am a XXXX XXXX  working with a homeowner with Dovenmuehle as the servicer of her mortgage. The homeowner and I worked together to piece together her loss mitigation assistance application which was deemed as complete on XX/XX/XXXX. In XXXX, my client was informed that she was turned down for the assistance and I called to find out why- being that her income was adequate, her credit was fair, and her budget was very streamlined. For an entire week, I made calls daily to get answers regarding why she was turned down. Finally, I was able to get transfered to a manager who stated that my client 's expenses make the mortgage unaffordable to the homeowner. When I asked about what they had listed as expenses, the manager at Dovenmuehle stated that they do not have access to that info as it is complied and researched by a private 3rd Party company. I was able to get the name of the company but when I called, I was told they do not take phone calls. I reached out to XXXX XXXX XXXX XXXX at XXXX XXXX and explained the situation- being that the loan was originally a CDA loan, I figured the State of Maryland would be able to point me in the right direction. I was given contact info for XXXX XXXX, also at XXXX. He was able to find out that the 3rd Party firm calculated my client 's monthly spending on food at {$700.00} dollars for the month. XXXX XXXX requested that I piece together the clients expenses and provide bank statements that coordinate with the months in question. I submitted these documents to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX stated to me that the documentation was sufficient and he would follow up shortly. On XX/XX/XXXX, my client received a letter from Dovenmuehle. The specific language of the document states : " You May have been approved for a standard modification ''. Weeks went by and the homeowner and I were not contacted. The only updates we can get are from XXXX XXXX and only when we ask. Dovenmuehle didn't even have it documented in the system that XXXX was working with them to resolve the issue. 
Here we are 90 days after I was told no further documentation is needed and the homeowner still does not have a response from Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I began a XXXX transfer of XXXX on XXXX XXXX. The account the money was sent from had processed the order by XXXX XXXX. 

Despite this my money has still not arrived in the XXXX/Coinbase account that it was sent to. 

I 've sent messages to them asking them to resolve the situation from the XXXX of XXXX but have received mostly automated messages. The one message that did not seem automated was one stating that a " at this time we have escalated your case to a specialist. '' That was on XXXX XXXX. I have not heard anything in response since despite sending multiple messages via email & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Medical) with RSI Enterprises, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company placed a COLLECTION notification on my credit report even though I paid full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Other mortgage) with Servis One, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: BSI Financial abused our fiduciary relationship and manage my escrow account badly. More than twice over the last three years BSI has paid insurance after the expired date more than two times. I get mortgage adjustment that vary with huge gaps for example {$1200.00} to {$1700.00}. Often, I call BSI customer service and their answers are given as if there is no shared resource information that tracks properties connected to the account, the number of insurances and taxes to be disbursed, etc.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I recently closed out a safety deposit box that I had not been in in 32 years. In the box I discovered a Time Deposit issued by XXXX. I have since found out that this bank was acquired by JP Morgan Chase. I went to the local office in XXXX and they could not give me any information and showed no record of having purchased that bank. I verified the purchase through your office and the local library. I then call JP Morgan Chase again and they do not know anything. I have checked the abandoned cash site at the Illinois Secretary of Treasurey website and did not find it there. I would like to know the status of this Time Deposit and where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 in the am, I went in to my local Chase Bank branch to cash a payroll check. I asked the teller if there would be a hold on the check and if it was more than 2 days I would rather go to the bank the check was drawn on and cash it with them. She advised me that there would be a hold until the morning of XX/XX/XXXX. I explained that I have children and need to pay necessary bills and get food and wanted to make sure it would be available. She assured me it would and circled my receipt showing it would be available on XX/XX/XXXX. Today, XX/XX/XXXX, the check is still on hold. I called the bank and they told me the check is now on 7 business day hold until XX/XX/XXXX and would not give me a reason. I called the bank the check was written from and they said it should have cleared and Chase paid in 2 days. Chase is now charging me NSF fees for items coming through. I have XXXX accounts with them and XXXX of them is now negative and I am unable to transfer funds to bring it positive. They are charging fees in that account now as well. This has caused a hardship. I could have just cashed the check and had the cash to deposit if they would have been truthful about the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2017 about Credit reporting () with AES/PHEAA (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I believe if this is a student loan and they are reporting that I am late on payment but they are direct withdrawal. If this is n't a student loan then I do not know who they are or what it would be. Either way it is affecting my credit score. Furthermore, they have not tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Other mortgage) with KONDAUR CAPITAL CORPORATION (PA).
Issue: Settlement process and costs

Complaint: I began short sale negotiations on XXXX/XXXX/16 with XXXX XXXX of XXXX, after I lost my job on XXXX XXXX, 2016 with the XXXX. I knew I was n't going to be financially fit to maintain the current XXXX modification plan approved by XXXX. XXXX XXXX and I have been in touch throughout the process. For I 've completed all of the paperwork XXXX required from me ( see RMA ) to complete the short sale process. I was eligible to receive {$10000.00} for relocation assistance under the HAFA modification program the property is my primary residence. Effective XXXX XXXX, 2016, XXXX transferred the loan to KONDAUR Capital Corporation ( see Notice of Servicing Transfer ). I was told by XXXX XXXX that they do not participate in HAFA program ( see text messages ). I have no other place to go and I 'm rebounding from becoming gainfully employed in XXXX 2016. I am appalled that XXXX transferred the loan in the middle of the short sale and the new servicer KONDAUR is not a participating in the Home Affordable Foreclosure Alternatives Program. I 've complied with all the requirements according the short sale paperwork and by the required deadlines. I am seeking relief of {$10000.00} under the HAFA program to assist me with the moving expenses of my XXXX children, my belongings, and finding another residence.

Company response to consumer: Closed with explanation