milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a Loan Modification from XXXX on my home in Georgia in XX/XX/XXXX. XXXX transferred my loan To Select Portfolio Servicing but my modification was not transferred. I was in bankruptcy at the time and the judge had to approve my modification and he did. SPS offered me the opportunity to get a modification in XX/XX/XXXX. I sent SPS a copy of my modification in return they sent me a letter stating that I withdrew my account from the modification process. I did not. I would like for SPS to acknowledge my modification because it is valid. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Medical) with Pressler & Pressler, LLP (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Being sued by Pressler and Pressler LLP for balance owed on my hospital bill. I do not speak XXXX and at the time of my XXXX i was told that my out of pocket balance was {$1200.00} which i paid as my daughter was there with me and she translated for me. I received a notice of being sued and called with my daughter and was willing to pay the balance but now they added over {$500.00} for their fees. The doctors office " XXXX XXXX XXXX XXXX '' knew i did n't speak or read XXXX and told them to contact my daughter. They never contacted her but send me over to an agency that is suing me now. I am willing to pay what is owe for the procedure but not the additional charges. XXXX XXXX XXXX said my out of pocket balance was only {$1200.00} and not the additional {$1600.00}. Also, XXXX surgical should have called my daughter to get this resolved instead of sending it to Pressler and Pressler LLP so they could add additional {$500.00} plus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: Bank of America continually refuses to honor my request to opt out of any overdraft protection or coverage. I do not want any transactions that might send my account balance into the negative to be covered. If/when they are covered, Bank of America is happy to charge me a {$35.00} overdraft fee. I do n't want this coverage. I want any transactions that would send my account into the negative to be REJECTED.

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 monetary relief
Consumer complaint received 05-04-2016 about Debt collection (Medical) with Monterey Financial Services LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a collection notice from Monterey Collections. Their client is XXXX, XXXX. This company went into bankruptcy because they were paying doctors for XXXX and performing unnecessary tests, and were sued. 2 years ago my dr sent me to XXXX for my basic labs ( usual cost around {$200.00} ). XXXX performed numerous other tests and charged my insurance co, XXXX XXXX {$3400.00}. The dr said I would not be charged for these tests which I never consented to. I was not billed by XXXX. XXXX told me it would only bill insurance company, that I was not responsible for amount insurance did not pay. Now that the company has gone into bankrupcy, the liquidation company is apparently putting people in collection for med tests that XXXX never billed us for, told us we were not liable for. I only needed a XXXX, XXXX, XXXX etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, Please refer to my previous case # XXXX. Caliber Home Loans is delinquent with my taxes once again. If this company can not pay my taxes on time, I would like my escrow refunded to me and I will pay the taxes. I am sick and tired of their excuses which leave me to believe they are using my money for something else. According to my township, they are receiving notices. Please advise what the next steps are.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: As of this date I have not received my XXXX from Nelnet, a student loan servicing company. My loans were discharged by Nelnet in XXXX XXXX. I have reached out twice by phone to Nelnet 's XXXX section on Monday the XXXX of XXXX XXXX and was told that " Upper level management was researching if I would get a XXXX for discharge of federal loans. I asked when a decision would be made and was told it would take some time. I asked for a return call to keep me informed and was told not to expect one. On the second time I reached out to Nelnet 's XXXX section I was also told that " Upper level management was researching if I would get a XXXX for discharge of loans and that Nelnet would access my credit from XXXX credit reporting agencies before any decision would be made. In light of the fact that Nelnet intends to " hit '' my credit again, I have not attached the credit reports as they will be outdated by the time Nelnet has accessed them again. Nelnet has continuously reported inaccurate information to these agencies and there is no reason, other than retaliation for my initial CFPB complaint for the mismanagement in servicing of my federal student loans and mismanagement of the XXXX discharge process and for reporting their inaccurate information targeting my credit in a most detrimental manner to credit reporting agencies. ( Seee CFPB complaint # XXXX ). I have alerted XXXX today to place a freeze on my account to prevent further damage from Nelnet. I will contact XXXX and XXXX as well. My questions for Nelnet are : Why is Nelnet tampering with my credit ( pulling credit reports during the ongoing initial complaint which will be formally addressed ) and what legal and legitimate purposes was it initially used for and for what future purposes would another " pull '' be deemed appropriate and necessary? What is Nelnet going to do to demonstrate in writng to all credit reporting agencies, to me and the CFPB that Nelnet has corrected all erroneous information from any credit reporting agency they have reported to? Secondly, Nelnet, is there a XXXX for the discharge of these loans? If there is, where is it and why must my credit be subjected to another around of " pulls '' before a decision can be made about the in question XXXX and when can I expect to receive it in the mail?

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. ().
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was Denied Credit by XXXX XXXX XXXX, based on an EQUIFAX Credit Report I am in XXXX But have a US Phone Number XXXX I have contacted Equifax MULTIPLE TIMES requesting a copy of my credit Report, as required by Federal Law : The Fair Credit Reporting Act. 
EQUIFAX Continues to send me NON RESPONSIVE messages rather than Providing my Credit Report. Normal mail takes 5 1/2 weeks to arrive, therefore I have requested that my credit report be E-Mailed to me at XXXXXXXXXXXX. 

I have Provided them Every Piece of Verification Information Required to establish my Identity, Including my US Passport, My Current Philippine Drivers License ( Showing my Address ), A billing statement from XXXX, showing my address and Letter from XXXX showing Denial of Credit My contact info is as follows : US Phone in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX XXXX Sound is not good on Cell. 
XXXX : XXXX Email XXXXXXXXXXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Shopping for a loan or lease

Complaint: I received a preapproval from XXXX XXXX. The letter stated that due to my creditworthiness I could receive a personal loan at 5.99 %. With the letter I also received an " Invitation Code. '' So, naively I went on line because I was preapproved! Well, no one receives a 5.99 % rate or a rate close to that amount. I was offered a rate of 12.75 %! I have excellent credit so I was confused as I was preapproved. I called and spoke with XXXX VERY RUDE customer service employees and was told that they can change the rules at any time! So now my credit score will drop due to the inquiry and of course I am not interested in a loan at 12.75 %. This letter is extremely deceptive and is nothing but a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: National Enterprise Systems ( NES ), a holder in due course of Private Student Loan originated by XXXX XXXX. NES claims that I am a co-borrower of this loan. I have disputed that I signed this application. The copy of the application provided by NES contains numerous errors including incorrect personal information, references, and contact information including email address.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Sallie Mae has been harassing me since the day my grace period on my loans ended. I have received calls as many as five to ten times a day, and I have discussed how I am unable to make payments due to financial hardships and lack of help from my parents. They refused to work with me, so I stopped answering their calls and changed my number. Eventually, friends and family members expressed their concerns over my loans and told me Sallie Mae kept contacting them about me. Sallie Mae now calls my work, and when my coworkers hang up on them they call back in a rude tone, demanding to talk to me. They have even talked to my Human Resources manager. It is not okay to mix personal issues with work issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( USAA ) failed to pay my insurance company out of escrow. I spend days of attempting to get them to pay and eventually had to pay the insurance company myself and get reimbursed after the fact. This was in XXXX Florida in the days leading up to XXXX and caused my family intense emotional distress. I was eventually reimbursed for the additional money I paid in but only after about 50 hours of attempts to resolve the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Credit card protection / Debt protection

Complaint: I have a CareCredit card. I recently realized that " XXXX XXXX '' signed me up for a service that I did not sign up for. It took two statements to realize this. I call CareCredit and they happily refunded me. XXXX XXXX did cancel the protection. This is fraudulent to sign people up for something they did not sign up to pay for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous calls from the lawfirm weltman weinberg & reis and have explained time after time multiple facts to them. First, I want a debt validation letter from whoever they are representing per FCRA guidelines. I have received no validation of any kind. Second, after I receieve this letter I inform whatever representative for this law firm that I want a cease and desist on all collection efforts including phone calls and letters. I continue to receive multiple phone calls after requesting a cease and desist multiple times. This is a clear violation of any Cease and Desist guidelines and TCPA regulations. The next step in this process will be having my attorney review any and all collection efforts and moving forward with litigation. As I have stated I have been quite clear in the countless times this law firm has contacted me. It has never been a different representative each time they call and I explain the same information to each one. I want a debt validation letter, after I receieve the letter I want a cease and desist regarding all communication efforts but have seen a total lack of understanding and awareness to FCRA, TCPA and Cease and Desist laws

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: Per FHA Guidelines The lender is held responsible, equally with the appraiser, for the integrity, accuracy and thoroughness of an appraisal submitted to FHA for mortgage insurance purposes. 
FHA may pursue appropriate enforcement actions against XXXX or either party for violations. In my situation not only did the appraiser use a foreclosure but he also used a XXXX property that needed a lot of work as well. He also totally disregarded the below grade portion of my home. To clarify that, he only tried to focus on the above grade portion of my home and totally disregarded the below grade. The homes he found not only had lower total square footage than my home but they also had XXXX and XXXX less rooms in those homes as compared to my home. Per FHA Guidelines the characteristics of the property must be based on selections that have similar or the same characteristics including site, site view, location, design, appeal, style, age, size, utility, quality, and condition and the homes selected did n't fall under that criteria. I provided homes that were exact replica 's of my home in total size, rooms, and appearance and the appraiser and my mortgage lender ignored those.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I 've applied for a JP Morgan card with a banker in a branch, then again via telephone and now am submitting a formal complaint via the CFPB - XXXX has not processed my application and claims that there is no record of my previous applications.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I entered two Charge Backs with Chase Bank. A deposit {$3000.00} which I gave XXXX XXXX XXXX for new sails and then {$3500.00} which XXXX XXXX XXXX charged without my consent before delivering the complete order. On XX/XX/XXXX Chase called telling me they had received XXXX XXXX XXXX 's response letter which they were sending me. I was told that I would need a third party to rebut this letter as evidence that the Sails were not made correctly and that I had not received the complete order. I called Chase twice on XX/XX/XXXX telling them I did not receive the letter sent XX/XX/XXXX. I asked for the letter to be emailed or next day mailed. They said they could not do either. I was told it takes 10 business days to get a letter. I called twice on XX/XX/XXXX to confirm I still did not have the letter. The second call on XX/XX/XXXX, I talked to a supervisor named XXXX for 35 mins. I asked him to next day mail the letter. He did not nextday mail the letter. He told me I had 30 days from XX/XX/XXXX to respond. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX I call again and said I did not have the letter. I was told it would be resent and would take 10 business days to get. On XX/XX/XXXX I called three times trying to get the letter. The last person I talked to on XX/XX/XXXX was XXXX. He said he could fax the letter. He said it would take 5 business days to fax it. I did not receive the fax. XXXX told me I had 2 billing cycles to get a third party letter to rebut XXXX XXXX XXXX 's letter. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX, after still not receiving the letter, I found Chase Bank 's Executive Office and talked to XXXX XXXX. She next day mailed me the letter from XX/XX/XXXX which did state, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX. '' Chase failure to get me information I needed in a timely manner caused me to loss my Charge Back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: As a customer of navient who pays their bill monthly I called them countless time ( mostly in tears ) to ask them to lower my student loans and make them more affordable. Often times I was told that it was n't possible and that I did n't qualify for income based repayment because I file my taxes jointly. I have federal, department of education, parent plus and private loans all through this company. It nearly drains our bank account every month and they have assured me I 'm at the lowest possible payments. They 've also informed me that due to the loan my dad chose the payments go up every 2 years and there 's no way to change it. I ca n't take my co signer off my loans or transfer the parent plus into my name even though I 'm the one who consistently pays. It 's been an awful process and I still have many years left with them. I hope you can help others like myself stop this from continuing. I am also informed that since I am a XXXX I am not eligible for any sort of XXXX forgiveness which is totally absurd. I make way less than XXXX and we meet all the same requirements as they do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on greenbae in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for it.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: as you can see all the dates on this account are wrong i want to to be deleted name : XXXX XXXX XXXX SS # 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 12/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: We have been in our home since XXXX of XXXX. My husband became ill in the latter half of XXXX and was in XXXX status since XXXX XXXX which took a heavy toll on our household income. I began to contact then Greentree Servcing LLC as to our hardship and was given instruction on the paperwork needed to begin a file process of necessary documents. I obtained all documents asked for and submitted to Greentree Servcing LLC. 
Each time I was told I did not qualify for HAMP due to all documentation not in file which now left us behind on payment due to the fact we were told if our payments were current we would not qualify for HAMP. I was then told I could do a deferment but would no longer be able to pursue the HAMP for at least a year after the deferment. I was then asked to make a payment of roughly {$800.00} plus dollars of which I did and set up an additional payment for {$620.00} to be debited on XXXX XXXX, XXXX and I did that as well. 
Now Ditech has began calling continually saying I owe {$800.00} plus dollars in late fees. 
We have continued to struggle to work with Greentree ( Ditech ) to keep our home but to no resolution. Please point us in the proper direction we pray for relief to this matter. 

Thank You, XXXX and XXXX XXXX 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 06-07-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted all documentation proving I am XXXX veteran and the loan servicer NELNET refuses to accept documentation from the VA claiming the information is not valid and demanding more documentation I send them the whole package and still have the nerve to tell me they wont process my discharge because of that.

Company response to consumer: Closed with explanation