milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (IL).
Issue: Managing the loan or lease

Complaint: After having to retire early for my health, my husband and I had to take out a loan from AVANT to make it while I 'm waiting on SSA. Since we planned on paying it off it large payments we chose a loan company that advertised " no pre payment penalty ''. AVANT neglected to tell us that it must be done in XXXX lump sum. I paid {$2800.00} in the past month and only {$380.00} went to the principle. Apparently AVANT does tell you, just not in terms a lay person understands. I SPECIFICALLY asked if I could pay the loan in large payment to avoid the interest. AVANT completely reassured me I had no worries. To date we have paid about {$10000.00} on a {$20000.00} loan and our buy out from AVANT is just under {$18000.00}!! And unless I get a lump sum from somewhere else there is n't anything I can do. I asked AVANT the right questions, AVANT purposefully answered in half truths. I totally feel lied to, mislead, and scammed. Is this predatory lending? Is this legal? Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened  in 1991 at w hich time was only  XXXX   years old. Th is person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.

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 12-07-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After checking my credit report I noticed National Credit Adjusters , LLC is reporting a negative account. This is not my account and is fraudulently being reported to my credit report. I immediately called them and talked to a XXXX who claimed that they account was sold to XXXX XXXX XXXX XXXX XXXX but the problem is National Credit Adjusters , LLC are the ones reporting this negative mark to the Credit Bureaus. XXXX then told me that her XXXX XXXX will look at this account and delete it as it should n't of been reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: Today, XXXX XXXX, XXXX, I have included by voluntary dismissal filed in XXXX County Georgia litigation against SPS. I really would like SPS to answer my questions before we attempt to negotiate a settlement. 

So please answer my questions. I am again requesting a criminal investigation with you, among other investigative institutions for breaches of contracts well before you started servicing this loan. 

This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. I requested the name of the Securitized Trust that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX XXXX Company as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. 

My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XXXX XXXX, XXXX and could not sign or transfer any documents or Assignments ( As attached ). XXXX XXXX XXXX then with a limited power of attorney from the FDIC than awards my house back to XXXX XXXX XXXX. Signed by XXXX XXXX XXXX employees. Notarized by a XXXX XXXX friendly Notary. 

Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XXXX XXXX, XXXX, why were there Assignments in XXXX and XXXX? 

Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXXXXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. I have sent a QWR asking basic accounting questions about records which SPS does n't seem to have. 

I also challenge the P & A agreement Chase uses to validate authority from XXXX to foreclose. I question the assets actually acquired by XXXX which then sold/transferred to SPS. 

Please answer these questions before the CFPB so that we can move forward one way or another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX of XXXX I have been trying to get an exact amount to bring my mortgage with XXXX current. I spoke with the rep and asked her for the total amount to bring the account current. Paid that amount and continued to make the monthly payments in XXXX & in XXXX. I mailed both these payments to them with old copies of statements since I had not received any statements from them. Called on XXXX XXXX to make the XXXX payment over the phone & spoke with XXXX XXXX, who informed me that I was running XXXX month behind and owed XXXX & XXXX for XXXX of {$2400.00}, which included late fees and some other fees for having someone verify that the property was lived in. They refused to waive those, so I made a payment of {$1200.00}. My regular payment is {$1100.00} plus {$33.00} for each late fee past XXXX. So I was told by XXXX that the balance for XXXX would be {$1200.00} plus the {$1100.00} for the XXXX payment. This total would be {$2300.00}. Called XXXX XXXX to make payment for XXXX for {$1200.00} spoke with XXXX who confirmed a balance of {$1100.00} due for XXXX. Called and spoke with XXXX who took the XXXX payment for {$1100.00}. I asked what was due for XXXX and was told that since we had been paying extra, the amount due for XXXX was {$870.00} plus {$33.00} late charge, for total of XXXX. Called XXXX XXXX to make the XXXX payment and spoke with XXXX XXXX. I made a payment of {$1100.00} after verifying with him that we needed to pay {$900.00} for XXXX. He stated that the additional {$200.00} would be applied towards the XXXX ember payment. I called today to inquire about the statements and to request some type of correspondence showing what was due for XXXX and spoke with XXXX XXXX. Back in XXXX we filed XXXX XXXX '' bankruptcy and it was discharged in XXXX XXXX. According to XXXX they had no such documentation stating the discharge and she would have to check it. After a long hold, she said that " nothing showed pending ''???, so I imagine she confirmed it. I asked what the amount due for XXXX was and was told {$1.00}. I asked why so much and what happened to the extra {$200.00} that I had been told would be applied towards XXXX and was told that the {$200.00} was in a " suspense account '' and that it would be used towards whatever fees I had owing on the account. I asked for an itemization of the payments, late fees, etc and was told that nothing would be mailed to me because we had filed bankruptcy. Even though it had been discharged, just because we had filed it, it did not entitle us to receive any type of statement. She went as far as to say that even if I submitted the request in writing, it would be denied. So we are pretty much at their mercy and they can continue to charge me fees that I do n't know what they are for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with PNC Bank N.A. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been harrassed by XXXX collections agencies & a law firm, disputed the debt and nobody has proven that it is mine. It just gets passed by PNC Bank to another firm when one returns it. I have no dealings with PNC Bank whatsoever, and they have never contacted me directly or responded to my inquiry. For at least the last 12 months, a law firm is reporting an open collections sum on my credit report, which has prevented me from getting jobs in my chosen profession. In calls to them, they say they will send me substantiation of the debt, along with identity fraud paperwork since I 've told them it is not mine, and I have never received a single thing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I have a chase freedom credit card with the credit line {$12000.00}. I purchased {$6000.00} gift card at the shopping mall on behalf of my company. My company has been reimbursed me month by month, and I have been paying it more than the minimum payment requirement every month. But on XXXX XXXX of this year, I found out my account is closed. With my current salary, I think I can totally pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Mortgage (FHA mortgage) with SIERRA PACIFIC MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I recently purchased a mortgage loan from Sierra Pacific Mortgage Company who has since sold it on XXXX XXXX, 2015 to XXXX. We received a letter on XXXX XXXX stating that they purchased our loan and all payments should go to them. Problem is is that we already sent a payment to Sierra Pacific on XXXX XXXX, who was suppose to send our payment to XXXX. XXXX is aware of this but is showing a balance on our stubs for that payment and keeps call us about it even though we faxed them our check copy. XXXX has not received our money from Sierra Pacific and harasses us for the payment. Our payments are on every XXXX of the month so we would have to make the payment to Sierra because the letter from XXXX was dated the XXXX. XXXX also assumes that we are having trouble making the payments and one rep said we were " poor ''. My wife an I make enough money to cover our mortgage and do n't need to be belittled or harassed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My son decided to try to better himself by going to XXXX in XXXX, he was grown with a family, but XXXX XXXX, now, Navient, insisted he get me to cosign the loan, which I did. He has kept up on the payments for the most part, but they will not give me loan information, even though the late notices and phone calls come to me. He says they will not answer his questions either. When I paid off my student loan, twenty five years ago, I had the same problem. You would think things were better now.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Payday loan () with EMG ACQUISITION GROUP, LLC (CA).
Issue: Can't contact lender

Complaint: Receiving calls via mobile and now my work phone

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & Experian so chose to wait until I was able to pull & print my annual report & write them then. I contacted Experian & XXXX   by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, Experian reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from 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 07-02-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: MY BANK IS NOT REPORTING MY PAYROLL TO MY XXXX App

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was purchased last year by SPS ( Select Portfolio Servicing ) from XXXX XXXX. Prior, I used to pay approximately {$250.00} per month in excess of my contractual obligation, and per the terms of a loan with no prepayment penalty, any payments in excess of the contractual amount are posted to the principle amount. In the future, I intend to make considerably more " over '' payments. On my most recent statement, SPS notified me that unless a full contractual payment is made, any overage would remain in " in-posted '' status until it builds to a full contractual amount. As my contractual amount is approximately {$5000.00}, this indicates that I could pay {$500.00} over, but nothing would post to my account for nearly a year. This is a violation of the loan agreement and creates an over charge for interest. Based on my conversation with SPS, I believe this is a systemic issue for any payment overages that come as payments outside of a single monthly payment ( i.e. if I pay {$500.00} mid month every month, they would only hold it in escrow, if I pay {$500.00} over on an end of month payment, it would post to principle ). I believe any party paying unique separate payments on top of contractual are victims of this misallocation and over charge of interest. I was told because this was a " conforming '' loan, the payment allocation was at their discretion. Not sure how conforming status impacts the legal payment hierarchy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I ask for a copy of my payment history dating back from now until 2007 for creditor XXXX and experian or XXXX can provide me with my account history dating back to the beginning of loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I received XXXX from Step Forward through the hardest hit fund they approved the money around XXXX 2015. Step forward sent money to Seterus Inc. shortly after and seterus is holding the money and XXXX additional payments -I 've made the money is suspended.. The money is from the hardest hit fund in my because I continue making on time mortgage payments through out the mortgage crisis that left me under water and now have hardship. I have consistently .tried to do the right thing. these people are rude jealous and unprofessional. I would rather keep my house and do right instead of just shutting down and going into foreclosure and asking Step forward to take back the money. MY loan is # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I pulled my report to maintain my profile and this address keeps showing up on my report, I disputed this two years ago. It's also a duplicate with another listed address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification 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 non-monetary relief
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (NY).
Issue: Managing the loan or lease

Complaint: I entered into a lease with Mercedes Benz on XXXX/XXXX/15. The lease was for a 2015 XXXX. Within three months, the vehicle 's radio stopped functioning and required replacing. Seven months thereafter, the navigation stopped functioning and requires replacing. Within that same month, the engine requires rebuilding after taking the vehicle in for noise coming from the front of the vehicle and shaking. Prior to a year into the lease, all of the above occurred and I was out of my vehicle and in a loaner more than I was in my vehicle. At that point, I asked the claims management department to take me out of this faulty vehicle and place me into a different vehicle, as a means of good faith. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following unauthorized inquiries appear on my respective credit reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 06-10-2015 about Mortgage (VA mortgage) with Affinity Mortgage, L.L.C. (CA).
Issue: Application, originator, mortgage broker

Complaint: I submitted an online application for a VA Home Loan to XXXX XXXX, Sr. Mortgage Consultant, Affinity Mortgage, LLC XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , KS XXXX Direct Phone : XXXXFax : XXXXEmail : XXXXXXXXXXXXVisit our website and apply online at www.affinityhomeloan.comAnd, I would like to report them for possible fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with United Consumers Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am struggling to make my monthly payments on my private student loans. When I asked my servicer for help I was told my co signer makes too much money for me to be given a lower payment. I explained that my co signer will not be helping me, the lady was quite rude and said there is a difference between ca n't and wo n't help. She told me that technically my co signer can help and they wo n't lower my payments. Now I feel stuck. I want to pay on time and in full but I 'm struggling and the servicer seems so unwilling to work with me. Help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Medical) with Kings Credit Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting letters from this company claiming i owe for services at  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 02/28/2018 about Debt collection (Medical debt) with Creditors Specialty Service Inc (ID).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Creditors Speciality Service Inc sent me a document saying I owed {$100.00} because of XXXX at  XXXX XXXX XXXX in XXXX, Idaho. We paid the amount XX/XX/2015 and thought this issue was resolved. I recently pulled my credit report and noticed that I am still in collections with XXXX XXXX XXXX. How do I resolve this issue?

Company response to consumer: Untimely response
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that

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