milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My original loan was with XXXX {$310000.00}. My mortgage was taken over by XXXX and later taken over by Specialized Loan Servicing LLC, servicer for XXXX. I did have a series of bad luck & XXXX. I am a XXXX, until I needed a XXXX that put me out of work for 6 months. Later I had to have a XXXX, then my surgeon told me that I could no longer XXXX. 
SLS kept telling me to reapply for a modification, but I was advised that even if I could make a payment that they will not accept it. I worked with XXXX in XXXX and we reapplied and SLS had a different reason to refuse a modification every time. This went on for three years, causing me to now owe about {$85000.00} in the arrears. 
my income did not meet 31 % toward mortgageI had too much equity so my NPV came out negative / they had over valued the housethey ran the numbers again and did not include my Fianc 's income, income was too lowthey ran the numbers again with his income as a contributor and the lower appraisal again a negative NPVthen they scheduled a Foreclose Auction DateI had to File Bankruptcy to figure out what to do next. 
I grew up in this home & raised my children in my home. I have some neighbors that we have known each other since 1960.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my 3 credit reports. I 've already reached out to them directly but to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In 2010, I declared bankruptcy. My mortgage with Wells Fargo was withheld from the bankruptcy through a relief of stay ( the mortgage could n't be discharged anyway because it was a secured debt ). After the bankruptcy closed, I refinanced the mortgage with Wells Fargo ( using the Home Affordable Modification Program ). I have been making regular, on-time payments since I refinanced. I have my mortgage statements from Wells Fargo showing this. Also, the loan number on my refinanced mortgage is identical to the loan number of my mortgage before I declared bankruptcy. 
However, Wells Fargo is reporting to the credit reporting agencies that my mortgage was discharged in the bankruptcy, and they are not reporting the refinanced mortgage. That means my credit reports show a discharged mortgage and no current mortgage. 
When I discovered this a few years ago, I called Wells Fargo ( twice ) and asked them to correct this reporting error. They refused. 
Last year, I sent packets of printouts and information to the credit reporting agencies to see if they would resolve this, but they only put a note that I disputed the report of the discharge. 
Loan number information : Original mortgage loan number before bankruptcy : XXXX Original mortgage loan number being reported to credit reporting agencies as " discharged in bankruptcy '' : XXXX XXXX Current refinanced mortgage loan number : 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 04-10-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: 1. Ocwen misrepresented my foreclosure date to me. An Ocwen representative named XXXX XXXX, ID # XXXX told me my house was going to be auctioned off on XX/XX/XXXX. This is incorrect. The court in the foreclosure action set my law day, the foreclosure date under Connecticut law, on XXXX XXXX, XXXX. Ocwen 's attorneys have not asked the court to reschedule it for XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I will have already lost my house. Ocwen is giving me inaccurate information about the foreclosure process, which is confusing to me and, if I had n't checked with someone else, would have resulted in me losing my house. 
2. Ocwen refused to consider my Social Security XXXX Income in its loan modification review, unlawfully discriminating against me on the basis of XXXX. We submitted a loan modification application to Ocwen, which it acknowledged was complete on XXXX XXXX, XXXX. I included proof of receipt of Social Security XXXX Income of {$1800.00} per month. In a denial letter dated XXXX XXXX, XXXX, Ocwen stated that my verified income was " {$0.00} ''. Ocwen refused to consider my XXXX income. An Ocwen representative later told me that XXXX income was not accepted. This is wrong and discriminatory. Ocwen must use my XXXX income in evaluating us for a loan modification. 
3. Ocwen told me in XXXX XXXX that it would re-review me for a loan modification because it had failed to include my husband 's employment income. Ocwen has not done so and is pushing forward with the foreclosure against me. I spoke to XXXX on XXXX XXXX, and she acknowledged that Ocwen had not used my husband 's employment income in reviewing us for a loan modification, even though I had submitted proof and it had agreed to do so. Ocwen had further failed to use my social security XXXX income. XXXX said that she would resubmit the documents to the underwriter because Ocwen had made a mistake and we would receive a decision soon. Ocwen has not gotten back to me. When I call, I am not able to get an answer about what 's going on with the loan modification review. We have sufficient income to support a loan modification, but we need Ocwen to accurately review our documents and count all of our eligible income.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Payday loan debt) with Oracle Financial Group LLC. (DE).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Someone from the compa ny Oracle Financial Group LLC is  calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate of XXXX XXXX XXXX, I have sent the requested documents and they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned. I requested Modification Assistance documentation and have not received it. The desired outcome is to avoid foreclosure and postponement the sale date in order for me to submit foreclosure alternative paperwork to save her home from foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (I do not know) with Solomon and Solomon, P.C. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debts were paid in full, requested to be deleted from my credit report and debt collection stated they would not after they received payment in full. Contacted credited XXXX/XXXX/2016 Solomon XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Student loan (Private student loan) with GREAT LAKES (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In efforts to have made payments on my student loans and having a degree that I can not use, I would like to petition my student loan debt. 

Having attempted several different times to take care of the student loan debt I incurred to obtain a degree I can not use, I am petitioning to have my student loans cancelled, forgiven, and or discharged. 

It is my understanding that XXXX has been under investigation for several issued and I believe that XXXX not only failed to provide proper counselling to me on the student loan debt I incurred but that they also contributed to the amount I owe by charging loans to me that I did not authorize. I am seeking relief from this debt as I have been unable to pay due to the many factors I explained above. 

The reason it has taken me so long to reach out for more help is my father XXXX XXXX in XX/XX/XXXX and at the age of XXXX, I no longer had a home and moved back to my home state to try and survive and as a young adult I had no idea where to turn on this matter. My aunt has now helped me do research and try to see what we can do to resolve this situation. 

I received grants, scholarship money and educational assistance money that was paid to me from the Department of Veteran Affairs and I paid to the school. As you see my XXXX contract it states the most my XXXX degree would be was {$46000.00} and this amount was before my grants, scholarship loans and educational access money from the Department of Veteran Affairs. When I graduated XXXX sent me a letter dated XX/XX/XXXX that I had approximately {$15000.00} in Subsidized Loans and {$24000.00} in Unsubsidized Loans with a total being {$39000.00}. It appears that loans was taken out when I did not need them and that none of my money was applied. My loans was supposed to be consolidated but yet I still get bills from multiple places and the total is over {$100000.00}. I have read many articles that XXXX would take out loans under the students names to pay the schools debt. The school is closed so I am not able to get any of my records besides the ones I have included. 

Your assistance and help resolving this matter will be greatly appreciated. 

Sincerely, 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 08/19/2016 about Debt collection (Medical) with State Collection Service, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I just noticed this accusation on my credit report from XXXX and know absolutely nothing about it. It 's a {$70.00} open collection from State Collection Service Inc. I have medical insurance and always pay my copay, this does not show up in XXXX. I 've never received notification or a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On or aboutXX/XX/XXXX, I received correspondence from a debt collection agency named Affiliate Asset Solutions , LLC regarding an alleged medical debt in the amount of {$1300.00} for services rendered to my son on XX/XX/XXXX.
This was the first and only notice I received regarding this alleged debt. The correspondence identifies the original creditor as XXXX XXXX XXXX XXXX. While my son did visit the emergency room on XX/XX/XXXX, the only billing I have received which was covered by my insurance in the amount of {$1800.00}. On XX/XX/XXXX, I contacted XXXX XXXX Hospital in XXXX XXXX, PA who confirmed the amount of {$1800.00} was paid by my insurance.
I pulled my credit report to see if there was any collection activity related to this creditor and there is none. I do not believe I owe this debt. My insurance would have covered any medical costs. Thank you for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Late fee

Complaint: I have an account with citi and while having this account I have been charged late fees since I had the account after numerous of times contacting the XXXX # to have my due date changed and was told that it could n't be changed and asked if the late fees can be waived since my due date could n't be changed this card has ruined my credit and has n't helped me in any way.

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 12/19/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Good Morning on XXXX XXXXXXXX,2017 a large amount of XXXX was stolen out of my account. This was part of my rent money and also my kids XXXX money. I was told an investigation would take 30 days to complete. I am a single mom with XXXX boys that have severe XXXX. 2 days before XXXX I will be put out of my home. Never in my life of having bank accounts been told an investigation will take that long. I am beyond frustrated with TD Bank and there service. I would never again refer this bank to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: according to the fcra items must be removed in 7 years in general paid or unpaid. 

evrything remains that is suppose to be removed thanx

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have  XXXX  credit cards wit h Chase and when I used them they closed them for no reason other than the fact I used them. I am paying these cards per the terms and pay them 100 % on time. Chase is not reporting these accounts with the initial credit limits which totaled approximately {$18000.00} - rather as maxed out limits of approximately {$8000.00}. This is lowering my credit score b ecause it does not accurately report my credit ratio as less than half used.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Same behavior exhibited by XXXX/Navient as decribed in this articleXXXXStarted repaying a {$14000.00} student loan four years ago with additional monthly amounts labelled to reduce principal outstanding. The additional amounts were always posted to future interest payments so today the principal balance is {$12000.00}. XXXXNavient harasses constantly for advance payment of monthly amount due and NEVER applies additional principal payments to the principal. This is a huge rip off and is not like other responsible student loan processors.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: Accounts paid as agreed remain on your credit file for up to ten years from the date of last activity ( DLA ). My XXXX Bank credit card was closed XXXX and XXXX refuses to delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a company called citgroup credit services, a third party to citi is responding weirdly ... 

i have requested of them since 2009 a copy of their agreement between themselves citigroup credit services and their trustee XXXX and the owner of the debt as per their agreement that they would accept XXXX as noted in their letterthey have never provided such an agreement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NJ).
Issue: Unauthorized transactions or other transaction problem

Complaint: On on around XX/XX/XXXX, I sold a {$100.00} XXXX gift card on XXXX. I used a company called PayPal to receive payment for this purchase. Once the item was sold, I received the Payment through PayPal and was notified that I had the green light to ship the item. As it is commonplace in the XXXX market place regarding sales of gift cards, I was asked to email the Gift card to the buyer of the auction which I did. Approximately on or around XXXX XXXX XXXX, I received an email from PayPal stating that the purchaser that used PayPal to pay for the gift card had fraud on their PayPal account and the purchase was being debited out of my account. PayPal also said they are levying a {$20.00} chargeback fee on my account. I relied in good faith on Paypal 's instructions to send an item that I sold in good faith. When I sell items on XXXX using PayPal, there is a seller protection display that is advertised prominently all over the website. I, being a valued customer of XXXX and PayPal for almost 20 years, counted on this protection. Instead of protecting me however, PayPal has referred to an obscure technicality that says non-tangible goods are not protected by their seller guarantee. If I just mailed the card through the mail, I would be protected, but as I emailed the card, I 'm somehow disqualified from this protection. This is a truly non-customer friendly situation that PayPal needs to own. The true issue is that I 'm being punished for their mistake of allowing a fraudulent transaction to go through creating this mess in the first place.
MY PAYPAL ACCOUNT XXXX Here are case details : Case ID : XXXX Buyer 's name : XXXX XXXX  Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$120.00} USD Disputed amount : {$120.00} USD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with my social security number. This debt is not mine. I have enclosed proof of my identity. 
In accordance with the fair Debt Collection Practices Act, I Am asking you to stop proceeding against me and stop communicating with me about this debt, except as the fair credit Reporting Act allows. I also ask that you notify the Aurora mortgage loan agency and tell the debt is in result of identity theft. 
XXXX XXXXXXXXXXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XX/XX/2018, I followed directions on Experian to obtain my free credit report to which I am entitled to under the The Fair Credit Reporting Act. However, the only way to obtain the " free '' report is to register for an account, which automatically enrolled me in an Experian CreditWorks account. If this account is not canceled within 7 days, a monthly charge is initiated. After I read my credit report, I searched on line for a means to cancel the account. The only method offered is by phone. The phone number takes you through a phone tree, which eventually directs you to access your account on line. This is not compliant with providing a free report. I am still trying to cancel my 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 01/26/2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: CHASE CONTINUES TO REPORT LATE PAYMENTS ON A CLOSED ACCOUNT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stoled my Identity.

Company response to consumer: Closed with explanation