milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Struggling to pay mortgage

Complaint: We have been working with SPS since XXXX XXXX on the short sale. They have repeatedly delayed the file and we have lost numerous buyers. We had an offer in XXXX for {$250000.00} - even though the value was only {$240000.00} they countered the buyer. The buyer finally walked in XXXX XXXX just as the bank issued a short sale approval letter. We relisted from XXXX until XXXX when we received an offer for {$230000.00}. SPS rejected the offer. We relisted and obtained and submitted an offer in XXXX XXXX for {$240000.00} - the actual value of the home, per SPS. 
Today SPS has countered the buyer, advising they require a NET of 95 % of the appraised value. In a short sale the bank ( SPS ) is legally obligated to pay the realtor commission, transfer tax and title insurance. This means unless the buyer pays SUBSTANTIALLY over market value for the home there is no way to get them 95 % of the value as their NET. This is another attempt for SPS to force my client into foreclosure. My client is a double amputee and is wheelchair bound - he can not live in this two story house. This is the second CFPB complaint against SPS on this particular file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am currently in default on my navient loans. I have currently paid on the for over 5 years now, and have been going through tough times right now. I am not currently done with my degree and have been recently pursuing my degree a  XXXX   XXXX   XXXX   XXXX   XXXX  . With interest rates on my loans between 8-12 percent and monthly payment around 500 a month, it should be a crime to charge someone so much for trying to Perdue a degree with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Prove to me beyond a reasonable doubt that I have a signed contract with Medical Data Systems agreeing to pay this assigned debt. Please prove that you are the original creditor for Account # ( XXXX ) and Account # ( XXXX ). 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

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 04/15/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I was billed {$10.00} for temporary removal of credit freeze on XXXX XXXX, 2015 by Experian Credit Bureau that never took place. The auto dealer could n't get the credit report ( he showed the locked credit report statement ). I called Experian for a refund and they said XXXX is on the way but I never received it. This time I got charged XXXX times {$10.00} transactions on my credit card ( total of {$50.00} ) on XXXX XXXX, 2015, but once again a different auto dealer could not pull the credit report. I still do n't know why I was fraudulently charged XXXX times for transaction that showed error message when I initially tried to place a temporary release via the website. I spent over XXXX hour calling XXXX different phone numbers, on three different days, talking to XXXX different people, and kept getting a run around. I have {$60.00} worth of fraudulent charges on my credit card by Experian and no one over there knows how to fix the issue. I can NOT believe government regulators are letting a credit bureau keep track of credit information when they have committed deliberate act of fraud against me and XXXX of other customers. If CFPB wants to help consumers, this is a perfect place to start with investigation of credit buearu compliance. Checking other internet websites, Experian Credit Bereau has a repution for steeling and committing fraud against innocent individuals!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have a FHA mortgage. I have been trying to modify my mortgage for the past XXXX yrs with Wells Fargo on my own. I have given them everything they have asked for but kept getting denied. I have not been able to get approved but no luck. I also hired an attorney to help me with loan modification. My attorney has tried at least XXXX times also denied. My attorney has gotten the same result. Now my arrears are over {$130000.00}. Now I have a sale date for XXXX/XXXX/15. Now I am going to lose my home. I need your help to stop the sale and would like for someone to investigate my file with Wells Fargo if I have been treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2017 I notice a collection from XXXX XXXX XXXX for the amount of {$970.00} from XXXX XXXX and I disputed the collection with XXXX and they couldn't fix anything in my credit report because I have an ITIN Number. 
Now I don't know how to remove that collection from my credit. I called XXXX XXXX XXXX Their phone number is not valid. There is no way to contact XXXX XXXX XXXX. 
I called XXXX XXXX collection department and they said : The account was open in a different name and address than mine. Don't worry they said, we are going to investigate this fraudulent account. 


Its been about 5 months today and XXXX XXXX XXXX still show in my credit report and now I got a call and a letter from a different collection agency ( XXXX XXXX XXXX ) saying same thing, I own to XXXX XXXX {$970.00}. 
I contacted XXXX XXXX and I'm disputing this supposedly new collection hoping that it will not show in my credit report like the one from XXXX XXXX XXXX because i called Called XXXX XXXX Sales, Billing and collection and customer service again and they just either hang up on me or they just wouldn't find the fraudulent account. 
I need help and resolving this issue since XXXX XXXX is not taking the necessary action in my behalf. XXXX Bless

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 State Collection Service, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from State Collection Service informing me they are handling the collection of a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between State Collection Service and me which make them entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming State Collection Service as a company entitled to enforce a commercial claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX XXXX 2017 I attempted to purchase something on my XXXX XXXX Card issued by American Express. The value was {$2600.00} of the purchase. The purchase went through and a month later the same amount was refunded to me by the same vendor. I had a positive balance on my credit card I then had called into American Express to have refunded to me. The date that American Express claims they issued me a check to come in the mail was XXXX XXXX 2017. When I called to inquire as to the details of said check 's arrival, I was given no information other than it was sent on XXXX XXXX 2017. When I inquired to have a new check overnighted to me, they claimed they were unable to do that. I am without {$2600.00} of the amount that was refunded to me and would like for American Express to now respond to a CFPB complaint and inform them why it has taken so long to refund a customer 's money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2015 about Credit card () with U.S. BANCORP (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A U.S. Bank Visa credit card account was opened in my name by someone else who is impersonating me and stole my personal information and identity to apply for and opened the following U.S. Bank Visa credit card account : XXXX in my name. This is a fraudulent account opened by someone else who stole my identity. At the time the credit card account was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation. This credit card do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX XXXX XXXX I am sending you the credit report number from XXXX. I am requesting the collection be cleared from all credit reporting agencies and my account be put in good standing and paid in full. I also am attaching Navient 's written correspondence indicating not to make any payments while the funds were being processed. I called at XXXX on XXXX XXXX asking about the delinquent status being reported on my credit report. I spoke with Christen ( XXXX ) and she gave me a request work number of XXXX. I am requesting immediate action on this request with follow-up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is a correction to XXXX. A Student loan that I was not aware of was being garnished from my wages. I was never notified from the company or employer. I then had a medical issue which caused me to take time off work. I then had to file bankruptcy. I informed ECMC that I was looking in resolving the confusion and that they need to defer or put a forbearance on the remaining balance. They refused and continued with taking my tax refund and then when did return to work and still having the ombudsman involved in looking into the issue with ECMC, I was still being garnished. Even after bankruptcy filing. ECMC took almost {$20000.00}. They never communicated or contacted me. If they knew my employer then they should of sent certified mail there if they continue to say they mailed info out. They did not. Why would I default on a loan when I was paying my original student loan on time and it was set on autopay. They created a more of a financial hardship after the bankruptcy then before it. The amount of the loan and what was garnished are very close and what they said was my remainder balance was wrong. It should of been in a deferred or forbearance to reduce fees and interest.

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 card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: The  XXXX   XXXX   XXXX  sent a credit balance of {$1700.00} to my closed Chase credit card on  XXXX   XXXX ,  2017 . I have yet to receive the money. Chase claims to have sent me a check on  XXXX   XXXX ,  2017  which I never received. I called at leas t four time s between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  asking about the credit balance I was due. I have the id numbers of the individuals I spoke with. No one informed me until  XXXX   XXXX ,  2017  that a check had even been sent. I informed them again that I had not received a check and was told they would stop payment on the lost check. Today I called and found that they did not put a stop payment on the check until  XXXX   XXXX ,  2017 . Today  XXXX   XXXX ,  2017  they are telling me I will now wait anothe r two weeks for a new check and maybe even another 30 to 60 days for the process to start again. In the days of electronic transmission how can this ineptness occur? My contention is that they never should have accepted a credit to a closed account. Secondly when I found this had happened I should not have had to wait 30 to 60 days to have the money returned to me. Once they started the process I should have been n otified that a check was sent. Finally once I started asking about the credit I should have been told a check was sent. I was not thus further delaying the time frame to stop payment on a lost check. Unfortunately just another example of how the big banks take advantage of the consumer. Now I wonder if I will ever receive this credit. Would appreciate some help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was original with XXXX XXXX this is where I received a loan modification with my first payment beginning XX/XX/XXXX at {$760.00}, I made all three payments on time. Suddenly my loan was transferred to Ocwen where they made me apply again and again. 
On XX/XX/XXXX, I received a letter from Ocwen stating that they have received all my documents, yet they have not given me a loan modification have struggled to keep this home for my family. Now I have a letter from OCWEN dated XX/XX/XXXX, stating my investor Trustee of XXXX Securitization Trust Series XXXX does not participate in HAMP. First of all I never received any such notice of a transfer, additionally, I was already approved and paying for a loan modification. I do n't know if my trustee is the same as it was when I was with XXXX or has it changed, again, no notice.

Company response to consumer: Closed
Consumer complaint received 09-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: For over 4 years I have tried to due a loan modification with my lender. When I first applied my loan was with XXXX XXXX XXXX. I proceeded to go back and forth with them for well over a year and was told i was missing paperwork or my paperwork was incomplete. However, XXXX XXXX XXXX could n't tell me what was missing or incomplete. Instead, I had to reapply. This time all just went ignored and eventually my loan was sold. Now I 'm left to reapply yet again with with SPS. I have applied with them XXXX or XXXX times even paying to receive mediation XXXX. The most recent mediation took place in XXXX of 2015. Prior to my mediation I had informed all parties to include, SPS, the mediator and XXXX that my income was reduced by {$1500.00} per month. I was approved for a Tier 1 Harp program but it was at the wrong grossly income. At mediation, all parties did n't seam to think or feel that my income being reduced by {$1500.00} was that big of a deal. I did not sign the agreement and was advised to appeal based on my gross income being incorrect. I was advised at mediation that I had 30 days to submit by appeal. However, a letter that I received stating that I was approved for program was received 2 weeks prior to my mediation date and the bank is denying my appeal stating that I had 30 days to appeal based on the letter not the mediation. I had no idea of the terms of the agreement until I attended the mediation. This has all been rather confusing and I have complied with everything multiple times and have provided all requested and necessary documents to the lender. I received an email that they were denying the request to correct my income. I have provided them with current bank statements as well as current pay stubs in addition, I also provided bank statements from my estranged husband showing that he was paying and had been paying on the house that we where on a loan together. I have mailed letters and followed up with XXXX as well as sent all parties an email asking for yet another application to reapply since that is what they where wanting me to do since they would except and or allow the changes to my pay. This is a frustrating for all this could have been resolved 4 years ago. But then again this has allowed the bank to charge all these outrages fee 's to to my loan. Let al the bank loan payments, late fee 's, mailing fee 's ( which in access they will send XXXX of the same letter everytime ). I feel as I have been giving the run around and now I received a letter stating the foreclosure sale date to be XXXX XXXX, 2015. The bank as yet to respond to my requests has brought me here. 

Regarding a question below, I did n't pay an outsidecompany for assistance but paid XXXX $ XXXX XXXX seperate times to receive mediation.

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 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested a credit report from Transunion, XXXX, and XXXX and they refuse to give me a credit report after I was denied credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: SINCE  XXXX  O F 2016 EQU IFAX CREDIT BUREAU AND  XXXX   XXXX    XXXX   XXXX   AKA  XXXX   XXXX   XXXX . HAVE COMBINED OR ACTED ALONE. TO ERRONEOUSLY NOT REPORT, MISREPORT, OR NOT REPORT PERIOD. MY  XXXX   XXXX  AKA   XXXX   XXXX    XXXX   XXXX   XXXX  ACCOUNT AS ACTIVE. WHICH HAS RESULTED IN MY EQUIFAX FICO SCORE BEING UNFAIRLY REDUCED FROM  XXXX  TO  XXXX  OVER THE COURSE OF THE LAST NINE MONTHS OF THE YEA R 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (FL).
Issue: Credit monitoring or identity theft protection services

Complaint: After purchasing the morgage, I filed for divorce in  XXXX . In  XXXX  of  XXXX , the finalized court papers stated that the husband was to be reliable for the property and that the wifes name was to be removed in  XXXX . The husband then turned in the court papers to   XXXX   XXXX   XXXX    w here the account originated from and the wife signed a quick claim deed. Every since then, i have had all non payments on my credit report since causing myself to not get approved for anything. Its been 8 years! I called a couple months ago and was told that i would need to take it up with the court and hire an attorney to get it off my credit. All documents were turned in and verified on the phone that they received 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 02/28/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION ().
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: USAA Allowed a 3rd party company to make an authorized debit. I provided the necessary documentation and USAA refused to process the claim as fraud / unauthorized transaction. 

My account was charged on XX/XX/2017 in the amount of {$490.00} and XX/XX/2017 in the amount of {$490.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation