milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2015 about Mortgage (FHA mortgage) with MARQUEE MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: A former employee, forged money orders from consumers using her as the loan officer in the US XXXX XXXX of XXXX XXXX. We have been able to track down $ XXXX worth of forged MO. The individual also took cash form other consumers. The loan officer befriended the customers and got them to take her blank MO and told them she would take care of the services and pay with the MO. She forget the MO to look like it was used for the service but cashed them for her personal use.

Company response to consumer: Untimely response
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allgate Financial, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2016 I closed on the sale of my home and in the process, {$5900.00} was held from my funds and in Escrow to pay off a debt that recorded in judgment. On checking my credit report it was found that this account is reported by this company but all efforts to verify this account has been exhausted and I am filing this dispute to obtain assistance in the verification of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Transaction issue

Complaint: Discover will not consider a credit card dispute fairly. They have blindly accepted the merchant 's perspective without listening to my narrative or side. Additionally, despite being provided evidence and a statement that the charge was not authorized, they refuse to charge it back to the merchant. The transaction I am disputing involves a product not delivered. Under the Fair Credit Billing Act, I am entitled to a full credit in this event. Discover refuses to issue this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: i have a mortgage loan through Pacific Union Financial. 
I have had the mortgage payment on automatic since XXXX 2014. 
My payment always get to Pacific Union 2 week before the XXXX of the month. 
The has been NO interruption. 
There are months on their record where my payment was either applied to the wrong account, not applied at all, or never received. 
As a result of their accounting, Pacific Union is asking me for new inflated monthly mortgage payment. 
Their accounting has caused my account to have an escrow shortage that they want me to pay. They either have very bad accounting, they are hoping I do n't challenge them or there is a thief in their organization somewhere. 
Either way they have my account in disarray. 
For the record, I am not against suing them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been getting numerous phone calls on my debt. In XXXX day I will receive anywhere from XXXX phone calls and XXXX voicemails. They will call 7 days a week from XXXX to XXXX. They have discussed my debt with my family, friends, and references I used on my student loan application. They refuse to send me my original promissory note so I am unable to verify the amount I owe to them. Several of my student loans have reached the statute of limitations and they are still threatening me and are not helping me. I have tried to work with them but was called ridiculous and told I needed to be in a better frame of mind. I was hung up on XXXX while trying to discuss my options, that they wo n't talk to me about.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: First My name is XXXX XXXX and I am a victim of fraud from Seterus a company expert i lying and defrauding people. I am not on any mortgage note and the mortgage on my property is a fraud and Seterus is a Plaintiff that organized the vandalize the fraud the looting, theft of my property totaling {$260000.00} that they will pay one way or another. The confirmed that they reply but they are lairs with no respect for law and humanity. They never respond to any question and they are an embarrassment for our society. The biggest lair of this company is a cover-up artist luck a person with no knowledge of banking a person so confused that he can never make the difference between a fraud an a real mortgage I am a banker and the knowledge of this cover-up artist is only on how to lie to people and defraud them What is next they will put contract XXXX to XXXX my family too and reply toXX/XX/XXXX that they reply and the case is closed This company defraud people and lie without any shame. I will never stop until I get back my property Is the obligation of CFPB to close down such mortgage service provider since more people will lose their property to lies provided by this horrible service provider.??? Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. 3. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XX/XX/XXXX. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with JH Portfolio Debt Equities, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The Law Office XXXX XXXX XXXX XXXX " XXXX '' XXXX has been retained by XXXX XXXX XXXX XXXX " XXXX '' ) to assist him in a short sale of his property located at XXXX XXXX XXXX. XXXX XXXX granted a 2nd mortgage loan to XXXX on XXXX/XXXX/XXXX which loan was then taken over by FDIC and assigned to XXXX Bank in XXXX. XXXX Bank in turn assigned the loan for servicing to XXXX XXXX in XXXX. XXXX XXXX went out of business and Credit Control LLC took over their accounts. As per XXXX XXXX, a manager at Credit Control LLC, their records show that they have released the mortgage in XXXX but the records do not state who took over the servicing of the loan. Credit Control sent the right to service the loan to an unknown entity. XXXX XXXX has not received any correspondence since XXXX in regard to the servicing of the loan. Credit Control LLC never informed XXXX XXXX that it had taken over for XXXX nor did it inform XXXX XXXX who Credit Control sold/transferred the servicing rights to.

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 06/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please, this is my SECOND complaint. First was Case number : XXXX. There is no way for me to reply on that complaint. 
Equifax opened XXXX *more* " investigations '', and even after I provided proof that they are reporting inaccurate information, they still claim that " We have verified that this public record is reporting correctly. '' It is NOT reporting correctly! The tax lien was *withdrawn*, it should be removed from my credit file. I gave Equifax proof that it was withdrawn, TWICE. They could n't possibly be " verifying '' anything. 

I need help with this. I do n't need you to just forward my complaint to them, I need to know you 're actually going to DO something. I should n't have to sue Equifax in order to get them to do the right thing and report accurately. Please do something, you 're supposed to HELP, please DO something.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive a letter from Enhanced Recovery Corp. It said that I owed them {$89.00}. I told the representatvive that it was not my debt. They assured me that collection tactics would stop and that this collection would be reoved from my credit bureau. Tney have not complied and have continued to try to collect the debt. They have not removed this from my credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of XXXX Select Portfolio Servicing ... the crooks formerly known as XXXX XXXX, allegedly became the " servicer '' of my purported loan. They are quite non-responsive to multiple qualified written requests ... 
Under RESPA-I have requested : 1 ) A certified copy of their servicing contract 2 ) A certified copy of their boarding practices and employee training manual 3 ) Documentation over the past twelve months evidencing compliance with said practices/policies 4 ) SPS to send the original wet ink note to their attorney in MN so that my team can inspect it and determine validity/veracity 5 ) SPS to provide documentation reflecting that the purported " owner '', XXXX XXXX XXXX XXXX XXXX XXXX is : a ) Statutorily existent-DE XXXX says it ai n't b ) Active c ) funded d ) tax compliant e ) Was active/extant on XXXX/XXXX/XXXX f ) Since the trust XXXX says it can not accept additions to the pool after XXXX/XXXX/XXXX ... .how is it that it supposedly accepted a non performing loan more than 7 years later g ) Proof that an XXXX XXXX temp employee had the authority and complied with the legally necessary review and oversight prior to signing as a " XXXX XXXX '' ... smells like forgery. Notary violation. Bonding violation. 
h ) SPS please provide copies of your current bonds and contact info. for the insurers. 
6 ) An explanation as to why, after multiple requests they have neither provided a complete transaction history ... or any form of explanation for its absence as required by RESPA 7 ) Why they behave contrary to the XXXX provisions, in non-compliance 8 ) What allows SPS to purport to be a servicer ... of an installment lease ( no mortgage, just bearer notes for bonding purposes, cancelled and converted at securitization ) ... in violation of the SEC ( AB 1122 ) and IRS bulletin 544? 
9 ) Why is SPS not yet honoring my XXXX rescission? They did not take an appropriate adverse action within 20 days-thus rescinded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing about a HELOC loan I established with XXXX in XX/XX/XXXX, which was later transferred to Specialized Loan Services ( SLS ). The loan had a maximum draw of $ XXXX with interest only payment for the 10-year draw period, which was to be followed by a 5-year principle/interest payment period. 

My trouble with SLS seemed to start in XX/XX/XXXX, the year I filed Chapter XXXX bankruptcy. At that time my HELOC balance was about {$51000.00}, I was current with all HELOC payments, and was still in the interest-only payment schedule of that loan. I believe SLS is engaged in unfair and deceptive loan practices with respect to fees and would like your help in bringing transparency this situation. 

Specifically, I have been hit with numerous fees on this loan that have not been adequately explained. I have contacted SLS on numerous occasions by phone and in writing ( attch XXXX ) to get clarification. Their response ( attchs XXXX and XXXX ) did not explain the basis of these charges. I have also attached a detailed account summary ( attchs XXXX and XXXX ). 

I have been charged the following fees in XX/XX/XXXX/XX/XX/XXXX but do not know what they are for or if they are consistent with industry practices Date Amount Code* XXXX/XXXX/XXXX {$300.00} XXXX XXXX/XXXX/XXXX {$350.00} XXXX XXXX/XXXX/XXXX {$110.00} XXXX XXXX/XXXX/XXXX {$65.00} XXXX XXXX/XXXX/XXXX {$270.00} XXXX Code listing is at attch XXXX Additionally, I have been charged {$330.00} monthly since XX/XX/XXXX. 

My attempts to find out if these are legitimate charges have been unsuccessful and even rebuffed by SLS. I would appreciate it if you could help me in this matter. Additionally, I would like the name and contact information for a knowledgeable person at SLS who can address and future questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello I just made a large payment of {$260.00} to my  XXXX  card  two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (VA mortgage) with Village Capital & Investment LLC (MS).
Issue: Trouble during payment process

Complaint: XXXX XXXX and XXXX XXXX has contracted with XXXX XXXX XXXX XXXX XXXX Service my VA home loan. The problem has I contacted XXXX XXXX XXXXXXXX and requested to have my mortgage escrow removed since this is a new loan I have neither been late on his mortgage and the annual taxes and homeowners insurance are current. As a VA borrower, I have the right in the state of XXXX to have my mortgage escrow removed and it should be honored. This company has also not refunded my escrow funds that were collected from my previous mortgage company XXXX Mortgage which violates the Mortgage Servicing Clause in Release tractions amendments of the state of 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 01-05-2016 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The same numbers which all come back to the debt collection agency Rash Curtis & Associates call me approximately 6-8 times a day. When I do answer there is nobody on the line, sometimes there is a recording requesting me to call back. There voice messages which typically last 2-3 seconds have no information and just clog up my voicemail box. This is very frustrating and feels like harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with XXXX XXXX but that was closed. Nothing owed. 
Could this be another fake XXXX XXXX account - at a different level? The debt collection company name is : ARA Inc., XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect XXXX XXXX XXXX account number XXXX. ARA file # XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We had our mortgage thru XXXX XXXX XXXX and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to Seneca Mortgage Servicing and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from Seneca Mortgage Servicing stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called Seneca Mortgage & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called XXXX XXXX XXXX and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from XXXX XXXX and also Seneca. In XX/XX/XXXX we paid Seneca the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Student loan (Non-federal student loan) with NAVY FEDERAL CREDIT UNION (LA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Myself and my family were actively discouraged from applying for a loan from Navy Federal Credit Union in the late Summer of XXXX, and when we insisted, instead of the {$20000.00} I showed them I needed to pay for my university education and documentation that my family was able to pay back the loan, NFCU only approved a loan for {$10000.00}. Due to a XXXX XXXX XXXX discrimination case against a company in Mississippi, I was explicitly told by the U.S. Department of Justice not to touch the positive balance in my checking account at Navy Federal Credit Union ( Account # XXXX ), only to have the charge put through again, and my account held in negative balance ( of - {$62.00} ). But due to the DOJ 's orders, I did not touch the account until otherwise told to. In late XXXX, just a few days ago, Navy Federal Credit Union wrote off the negative balance and holds me in " not good standing '', and has threatened to close my other checking and savings account at any time, including the private loan for education made with my family. I only had a chance to use half of that {$10000.00} loan due to my XXXX. ( I would include this letter, but they have told me it will be on my XXXX XXXX statement, not due out for another 10 days. ) I believe, because Navy Federal Credit Union knew I was desperate for a loan to cover my educational expenses and solely because they knew I had a XXXX, they only offered me half the amount I needed ( assuming university would be too difficult for me with my XXXX ). I know this for a fact because the banker in the XXXX branch offered the {$20000.00} I needed, then inquired about my specific XXXX, which I declined to answer, as is my federal right, but saw my XXXX. Then, suddenly, the computer said I was only eligible to take a loan for {$10000.00}. I was desperate so I had to take what I could get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: In case XXXX, SPS continues to say that XXXX was acting to protect their interest in advancing funds to pay off XXXX. 
This is not the case, because I was in NO threat of foreclosure from XXXX, and XXXX did not have any idea of arrangements with XXXX to bring the account current. 
The reason I was delinquent in the first place was because I had XXXX and it took a long time to recover. XXXX was very helpful during this time, unlike XXXX. 
Because I was not in danger of foreclosure from XXXX, XXXX did not protect their interest, but did arbitrarily ( and I say illegally and unethically ) decide to pay off my first mortgage with XXXX. 
As such, it was a cash out refinance, entitling me to the right of rescission. As I have said before, I NEVER received ANYTHING showing where any of the money went, let alone any RESPA documents. 
I am willing to see what a Judge would say in a court of law, is SPS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx

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 05-05-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed chapter XXXX and a judgment is still being reported on my file

Company response to consumer: Closed with explanation