milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. XXXX months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to SPS and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from SPS over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), SPS ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Pulled credit reports, the following are hard inquiries that I did not authorize : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX

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 09/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I and my wife obtained a loan for my 2015 XXXX XXXX, of course our credit was not great so I began to search for a better rate after six months. Well when you go to a car dealership the sales men tell you they need to have a report, then they do n't worry it will only be viewed as XXXX hit on your credit ... not true I ended up with as much as XXXX from XXXX dealer ; I went to XXXX dealers and ended up with at least XXXX hits. I called the Bureau and pleaded my case and of course they said the dealer was wrong could not change it, who is wrong in this instance, can there something be put in place so that the consumer can stop this after XXXX hit on the credit. Also they the dealers sell you a car based on what the banks maximum amount is without any negotiation fro the buyer to see if they want to pay that amount. this system is predatory and should be stopped. most consumers with a XXXX and below pay more for goods and services- not fair, please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I been asking XXXX, XXXX and Portfolio Recovery to validate the account from Portfolio Recovery since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but Portfolio Recovery has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (FHA mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: apply for XXXX loan {$90000.00} all paper submit their was and that appraisal by their peoples and it was appraise at the {$90000.00} so I through the loan was going thru but later it was denied because they did another appraisal it was a XXXX finance by XXXX the loan did not change so why another appraisal. 
file XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Trouble during payment process

Complaint: First and foremost I have filed three complaints with CFPB and each time I fax the number on your website to provide additional documentation it is never uploaded to my account to reflect faxes sent on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and so on for case  XXXX  Ditech also known as Green tree servicing LLC reallocated my funding incorrectly.   They have sent a representative to my home on  XXXX / XXXX / XXXX , they have sent me two collections letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  when my loan was prepaid as on  XXXX / XXXX / XXXX  until  XXXX / XXXX / XXXX .  Ditech  is fabricating response letters and resolution letters being sent to me after a failed resolution to fix my payment allocation went unanswered for 10 months. Proof of that is a recorded call with their  director  who states the only  XXXX  wo letters in the system are two lett ers sent in    XXXX   XXXX   XXXX   a nd  XXXX   XXXX  which I relay to her was never received. The reallocation of their initial application of my bimonthly payments they allege they did was done incorrectly. If applied correctly, principle balance would decrease because they were provided extra payments. However their reallocation reflects that my principle balance increased so please explain to me why are you CFPB closing my complaints without uploading my additional documents  # 1 a nd then closing it when there still remains outstanding issues  XXXX   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 06-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for home modification back in XX/XX/XXXX and was approved for XXXX years and after XXXX years Bank of America sent me a letter stating the modification was denied due to lack of the co-borrowers signature. I have applied several times since then. This last submit of a modification it was sent to a upper level because it had been over XXXX days for a response. XX/XX/XXXX, a different case manager called and stated the case manager told me the wrong thing and I had to reapply again. This has been going on since XX/XX/XXXX and I 'm exhausted and look like I will lose my home because Bank of America does n't communicate with each other. Loan # XXXX ... Please help I 'm trying so hard not to lose my home and I 've worked very hard to believe in the mortgage system and the judicial system. Thanks in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I revived a letter from CCI to collect a debt. I do NOT have a contract with this company and I have never heard of them. I have also received phone calls from this company trying to collect a debt that is not mine. This is absurd!! This is not legal. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested validation of debt on XX/XX/XXXX from PINNACLE CREDIT SERVICES , LLC Address : XXXX XXXX XXXX, XXXX, SC, XXXX Date Opened : XX/XX/XXXX Amount of debt : {$300.00} In my validation request. I requested " Original Account-Level Documentation '', Purchase Contract and Reasonable Investigation. I asked creditor to verify name on original contract, address on original contract, date of birth on original contract, and signature on original contract. 

I also informed creditor to please investigate but Creditor refused to provide reasonable investigation and original account-level documentation. Creditor sent me a letter demanding I file a police report, sign a affidavit, and contact the original creditor for the original contract. 

Creditor continue to report this collection on my creditor report without account-level documentation, purchased contract, and reasonable investigation. Creditor falsely informed my credit bureaus they verified debt. Creditor violated same rules as XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, AND XXXX XXXX. XXXX ADMINISTRATIVE PROCEEDING File No. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a lot of disputes ran by XXXX in XXXX texas. i did credit application with ford motor credit. the application was sent to park cities ford. they went and sent my application to about XXXX banks without my permission. I asked and requested that they not do that. I asked them to evaluate my credit and let me know if I need to come in and work a deal. they submitted a deal with me signing any agreement on purchase price or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Payday loan) with Clearview Resolution Services (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Not XXXX, but third party debt collector : -Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
Selected Entity Status Information Current Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX XXXX : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on XXXX XXXX, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by Clearview Resolutions is unfounded and felonious as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Payday loan debt) with Debt Management Partners LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Dept Management Partners ( XXXX XXXX ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was surprised to learn that bi-monthly payments made to Quicken Loans on mortgages are not credited at the time the payments are made, but are only credited once a month. Obviously this results in Quicken being able to collect interest on the monies that are collected for XXXX days or more before they benefit the consumer. We learned from Quicken that this information is outlined in their closing documents. It is not clearly disclosed on their website information regarding bi-monthly payments or verbally disclosed when enrolling in the bi-monthly payment plan. This is certainly different than many other mortgage lenders and a benefit to Quicken and not the customer. At least any customer moving to the bi-monthly payments should be made aware that their payments are not credited when received by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading Modern Money Mechanics, published by the Federal Reserve XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX v XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Bank account or service (Checking account) with MB FINANCIAL, INC. (IL).
Issue: Problems caused by my funds being low

Complaint: I have a checking account at MB Financial and on XXXX/XXXX/16, my account became overdrawn. XXXX transactions came through totaling a negative balance of {$27.00}. The bank charged a total of {$110.00} in overdraft fees. I was unaware that I was overdrawn and made a deposit the next day ( XXXX/XXXX/16 ) for {$340.00}. I did not account for the {$110.00} and became overdrawn a few days after that. I received notice in the mail about my first overdrawn occurrence 5 days after the fact, but could not get to the bank until Monday, XXXX/XXXX/16. I immediately initiated a transfer of {$200.00} from another account on XXXX/XXXX/16 and {$180.00} in cash which was deposited XXXX/XXXX/16. The transfer did not show up until XXXX/XXXX/16. The tellers at the branch I opened the account at were not able to help me out and informed me I would have to wait for the branch manager, who was newly hired and in training, until his return on Thursday, XXXX/XXXX/16. I tried to get a hold of the manager via phone Thursday, but no answer. I then went in to the branch in person on Friday, XXXX/XXXX/16. By that time, I had accumulated another {$250.00} in overdraft charges for a grand total of {$360.00}! The manager would only agree to reverse XXXX overdraft fees totaling {$74.00}, however XXXX of the {$37.00} reversals boomeranged and so to date, I have only received XXXX {$37.00} overdraft fee reversal. So I am paying {$340.00} in overdraft fees so this bank could cover {$150.00}... If this was a loan on {$150.00}, and the fees were interest on that loan, I am being charged 225 % in interest! I feel this bank 's policies are deceptive and prohibitive and although I have been banking there for the last several years, once I get this resolved, I will no longer bank at XXXX XXXX. I am currently working XXXX part time jobs, XXXX of which is my XXXX, as I am presently also a XXXX XXXX XXXX. I do the best that I can and try to keep an eye on my accounts and although I was caught off-guard with allowing my account to be overdrawn, I feel this bank is very greedy and their fees are exhorbinent and excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (UT).
Issue: Closing/Cancelling account

Complaint: i am trying to get a fraudulent card company off my credit report because i am a victim of id theft and the company wont do anything because my information matches my public record witch OK if your a victim of id theft your information is going to match you public record thats why its called id theft. the company is barclaycard us which i was told by XXXX that they wont remove the account be cause everything matched my public record if they can show me the application with my signature on it saying that i signed up then fine i have to pay it but if they cant by law they have to get rid of the file/account.

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 01/30/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company name is XXXX XXXX. They sent me a letter about an alleged debt. I wrote them a letter back and sent it certified mail asking them to validate the debt and mail that to me. As of XX/XX/2018, they have called my phone number 3 times ( I will not answer them, I have told them previously not to call me ). They have called both of my daughters, my husband, and my sister. Each time they are looking for me and they get upset when they tell them that the number they called is not for me. I am waiting for them to validate this alleged debt and then plan my next course of action but I will not speak to them and for them to call everyone in my family multiple times a day looking for me does not sit well with me. To me that is harrassment since they were told previous to the letter they sent me to not contact me.

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