milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (RI).
Issue: Loan modification,collection,foreclosure

Complaint: I originally financed my single family owner occupied home thru XXXX XX/XX/XXXX. The current servicer Select Portfolio Servicing fraudulantly created an assigmnet and recorded it at my local town hall purporting to assign my loan into a RMBS with XXXX as trustee. I have a copy of the Pooling and Servicing ( PSA ) agreement for this RMBS. Some of the many problems are the RMBS closed in XXXX of XXXX ( per the PSA ), PSA states all loans would have to be securitize prior to the closing day in XXXX of XXXX plus 90 days, SPS assigned my mortagage into the trust in XXXX, SPS lacks authority to assign anything into the RMBS ( per the PSA ), this RMBS is governed by New York State Trust Law ( per PSA ). SPS has sceduled a foreclosure once or twice a year since XXXX, everytime they cancel it the day before the scheduled date. I have filled out 15+ HAMP Tier1 modification requests, the always need something, or dont qualify for this reason, I defaulted on this agreement, or whatever story they decide to tell on any given day. I am currently under review for a modification since XX/XX/XXXX, but they always need something new. So recently they sent me a letter stating I would hear something on the review shortyly and the day later I receive an intent to foreclose letter from XXXX and XXXX dated for XX/XX/XXXX I sent them a proof of debt letter asking all the same questions I have been asking regrding the validity of the assignment and trust purchasing my loan. They still have yet to reply. So as I sit here wondering who actually legally owns this loan and wait to hear back regarding a modification and proof of debt their duel tracking me towards foreclosure. Duel Tracking is also illegal, but yet they still do it and get away with it. I need help to save this home for my family of 5.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XX/XX/XXXX Case # XXXX ( Former case # XXXX I bought 4 tickets to XXXX XXXX ballet as a gift for some children. I thought I was ordering from the University of XXXX box office, but I got mixed up on my cell phone and by mistake I ordered them from XXXX XXXX XXXX XXXX, on XX/XX/XXXX ( XXXX reference number XXXX ). 
I complained about their service fee and was given a small discount of {$43.00}. 
The amount they charged me was {$460.00}. 
I thought that price seemed very high and called the XXXX XXXX XXXX box office and they said the tix should have cost {$170.00}. When I called back to cancel the order at XXXX XXXX XXXX XXXX, they absolutely refused to cancel the order. I called XXXX right away and was told that I couldnt file a claim unless XXXX XXXX XXXX XXXX didnt send me the tickets in time for the performance, to be held on XX/XX/XXXX. 
Fast forward to XX/XX/XXXX. The tickets from XXXX never did arrive and I had to purchase a new set of tickets from the XXXX XXXX XXXX box office for {$170.00}. 
All of this is detailed on my phone call to XXXX when I first made the claim. I think XXXX is an illegal sham. Please help me get my money back. Thank You! 

At this time I was informed by XXXX that it was too late to request a refund!

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have not provided this company permission or a signed authorization form to do a hard credit pull on my report XXXX2017 or XXXX2017. I have reported this to Equifax, they did not investigate and told me to take it up with the fraud dept of the business, Well the business is a small company and there is 4 workers and a manager there, no internal fraud dept. when I called CFPB they told me that I needed to contact State Banking Auth of LA as I did. The person I spoke with stated that the DoddFrank Wall Street Reform and Consumer Protection Act has shifted some roles and responsibilities but she still was unsure why CFPB could not assit me being that this place is NOT a credit union/bank/payday lending company. But is labeled as a Consumer Finance & Loan Company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.

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 01-04-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Transaction issue

Complaint: I applied for a Wal-Mart XXXX credit card back in XXXX. I purchased an item last XXXX XXXX with my Wal-Mart XXXX card ; I ended up returning item for a refund a year later XXXX XXXX XXXX ) from the hardware store. In Spring XXXX, Synchrony Bank announces via mail to all cardholders they will drop XXXX in exchange to form with new merchant, XXXX. The hardware store, Lowe 's, returned amount back to the XXXX card with the old account number, still under the same bank, Synchrony. 2 weeks later, a representative from Synchrony Bank said that they received an overpayment of an accredited amount to my name in the form of {$260.00}. She stated that in order to obtain back that money, I would have to go to Lowe 's for the refund. Upon discussing for refund, Lowe 's in-store customer service rep stated their refund policy recompenses are sent back to cards and stated that they no longer have that money and then said to re-check with credit card vendor. I then called Synchrony Bank customer services, after XXXX attempts to retrieve XXXX Card information regarding where this money supposedly refunded disappeared to, they finally said that they could not help me anymore. Synchrony Bank claims that since they are no longer with XXXX, they no longer have any responsibility on the whereabouts to where this money got funneled to. Not given an explanation or attendant to whom I could speak to help me find a contact to tracking down a solution, it 's hard not to feel helpless in this situation. Since XXXX is the only channel to get this refund back, I hold them fully responsible for not taking any capable action to at least assisting me to get this money back. I have no other alternatives, just a concerned customer having an issue with a card I make timely monthly payments to. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Issue : MORTGAGE LATES XXXX 2014 showing on my credit report by Wells Fargo Bank. 
Story : XX/XX/2014 my marriage was formally Dissolved by XXXX Superior Court. Case number XXXX XXXX. The settlement agreement 'Division Of Community And Co-Owned Property Exhibit E ' gave asset consisting of Single Family Residence XXXX XXXX, CA XXXX to XXXX ( Former Spouse ). The wording reads " XXXX, CA XXXX and any debt or encumbrances thereon until its sold. If property sold, parties shall divide the net proceeds equally as stated in the body of this agreement ). '' RESOLUTION : Ensuring the ALL MORTGAGE LATES incurred after XX/XX/2014 be removed from my credit report by all XXXX credit reporting agencies. REFERENCE : Wells Fargo loan # XXXX XXXX trust deed, Wells Fargo loan XXXX Line of Credit, Wells Fargo loan 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 04-08-2016 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone has used my identity XXXX my identity was stolen to receive services and open several accounts they continue to try to collect and report negatively on my file an account that is fraudulent i have filed a police report report number XXXX and a notarized affidavit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed bankruptcy, chapter XXXX, and was discharged in XXXX of this year. A XXXX Credit Card is showing on my transunion report as closed with a {$970.00} balance and is not showing discharged as it should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Mortgage) with Ditech Financial LLC (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I, XXXX XXXX, act # XXXX, is making a formal dispute of the escrow analysis dated XXXX/XXXX/16. I would like a breakdown of the deficiency amount of ( XXXX ) and the shortage amount of ( XXXX ). 
I am enclosing a copy of the letter from Ditech that stated {$720.00} was paid for my taxes to XXXX XXXX XXXX XXXX XXXX. I am also enclosing a copy of my tax bills dated XXXX/XXXX/16 and XXXX/XXXX/16. 
Please take note of the enclosed My Escrow overview, distribution date XXXX/XXXX/16 for XXXX and XXXX/XXXX/16 Insurance only distribution amount {$720.00}. The same amount Ditech said they paid XXXX XXXX XXXX XXXX. I have my own homeowner 's insurance with XXXX. 
I would also like to have a breakdown of the XXXX XXXX XXXX of {$3100.00}. and the deferred balance of XXXX on my monthly statement that seems to change from month to month. 
Sincerely, XXXX Cc : Consumer Finance Arkansas Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Please review my original case # XXXX. It was closed after a response was sent in from XXXX XXXX XXXX of Fed Loan Servicing. Please do n't close this case out until my issue is resolved. The original issue is not resolved, and it does n't make sense for CFPB to close out the case if they receive a letter from a Fed Loan Servicing Vice President. 
Fed Loan Servicing recently sent me an updated service history showing XXXX payments qualifying towards the PSLF program, better than the XXXX they had on file before I asked for an audit, and better than the XXXX they dropped me down to once the audit started. XXXX " qualifying '' payments are needed to forgive my loans, meaning I have to send in the amount due in total each month. XXXX payments were marked as non-qualifying as " full installment was not satisfied ''. Fed Loan Servicing intentionally shorted the amount due ( in bold print ) so I wo n't be able to reach the XXXX qualifying payments. Please review the attached documents proving the Fed Loan Servicing sent me XXXX incorrect monthly " payment amount due '' invoices. All XXXX payments are off by a total of {$3.00}, and I would be willing to pay the {$3.00} to get these XXXX payments into compliance. 
There is more to the story, so please read the attached word document and see scanned in images of the invoices in question. XXXX payment made to XXXX, the servicer prior to Fed Loan Servicing was XXXX PENNY short back in XXXX/XXXX/XXXX. I am requesting that Fed Loan Servicing produce the invoice so we can see if that contained an incorrect amount due total. 
Fed Loan Servicing Borrower Advocate XXXX XXXX was assigned to work with me. I am corresponding with Senator XXXX XXXX 's office. I have made a complaint to the XXXX Ombudsman 's office and submitted a complaint at XXXX feedback center. 
Something is not right at XXXX and PHEAA 's Fed Loan Servicing. It is like they do n't want me to make the XXXX necessary payments. At no time have they put me in a past due state when the numbers did n't match up. Serious attention should be given to this, as a lot of people are going to be putting in for XXXX starting in XXXX XXXX. They are going to have a rude awakening to PHEAA and Fed Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call XXXX to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too. First, I report the problem to XXXX XXXX because in my credit information report they are the XXXX who are referring the issue to the credit. I do the report # XXXX by telephone on XX/XX/XXXX. XXXX XXXX said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to XXXX XXXX and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XX/XX/XXXX at XXXX XXXX. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XX/XX/XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XX/XX/XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to XXXX and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XX/XX/XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XX/XX/XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XX/XX/XXXX and I submit evidence to the IRS I have been XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.

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 05/19/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: In applying to XXXX University for a XXXX, I was required to pay a application fee ; the website used for that fee required a PayPal transaction to take place. Already having an account with PayPal, I logged in an updated my information. When I went to pay with my card that was linked to my PayPal account, I was taken through a series of forms that did not inquire about my credit card. I tried exiting what I was doing, as it was confusing to me. Going back to the main menu, I started over again and attempted to submit the payment, which was {$55.00}. It went through, and I realized that it went through as PayPal Credit, not a charge to my credit card that was linked to PayPal. Assuming at that point, it would deduct the amount from my linked credit card/bank account, I left my PayPal account alone. Two months later, I discovered I had a late fee charge of {$25.00} and also an interest charge, in addition to the {$55.00} charge to the new account that I never authorized. I am aware that CFPB is in litigation over the matter and very pleased that these practices are being condemned. I do not know if there are other ways to protect against such schemes. In any case, PayPal will not have my business, nor any other friends or family members, if I can help it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I sought student loan rehabilitation and ECMC stated that I could rehab for 5 % of income/month. I filled out their application and in the fine print in the contract ECMC states that the outstanding balance and collection costs would be capitalized and monthly payments would be based on the recalculated principle and interest balance at time of rehabilitation up to 16 %. I wrote back to the representative and stated that I was going to have a third party look at the contract and would get back to them. While I was seeking third party help ECMC went to court and obtained a garnishment for 15 % of my paycheck. 
I was ready to rehab my SL and started the process to do so. What can I do to reverse this decision and rehab with the XXXX? 
These student loans were borrowed for matriculation thru the XXXX from XXXX. The school has since closed. 
Thank You for your consideration, XXXX XXXX XXXXXXXXXXXX

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Experians investigation about my debt dispute with XXXX  did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: I have made attempts after attempts to get midland funding and XXXX XXXX XXXX off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.

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 01-05-2018 about Checking or savings account (CD (Certificate of Deposit)) with SYNCHRONY FINANCIAL (LA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: To Whom This May Concern I am the rightful beneificary on a cd account with Synchrony Bank. My uncle XXXX on XXXX XXXX this bank allowed XXXX XXXX to mail a fraudulent change on beneificary after the date of XXXX and it had the date before XXXX but was received to them after XXXX Synchrony accepted it with XXXX XXXX signing all paper for XXXX XXXX no notarized notary seal was needed. XXXX XXXX had 2 account and i was beneficiary of both policys Synchrony Bank only paid me for one account. I mail a letter to Synchrony Bank making them aware of the situation and i receive a letter from the President XXXX XXXX XXXX stating they had receive the change with prior dates before XXXX but after XXXX and they had made the change. XXXX XXXX XXXX stated they allowed these frudulent activity to go on at they bank. My lawyer stated they to me under state law no changes are acceptable to any account after account holder have XXXX all changes should made while all parties are still living and if you should XXXX while changing beneficiary its null and void. Account holder must be alive to make these changes. Synchrony bank state they have different rules that they follow and they allow you to make changes if they receive paper work after you are XXXX. XXXX XXXX Police Department has been notified police report number is XXXX and XXXX had tried to change another policy but he was not able to do because he had to get the form notarized from a notary. I have all this information if this is needed all i want is all money back to me the has been fraudulently taken from me. XXXX XXXX told me he was going to change these policy but i did n't know they allowing these kind of changes after XXXX this company can look at the date they change this XXXX XXXX XXXX at XXXX Saturday morning i sent them the XXXX 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 05/14/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling my Job and being very harrasing

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is a fraud account listed from XXXX # XXXX that was opened back on XXXX which i have disputed numerous times with the creditor and the credit reports for months now the creditor sold this fraud account to XXXX as a charged off account when in dead it was a fraud account, the creditor never followed up with my disputed and ignored my disputes and never resolved the fraud dispute with this account and needs to be removed from my credit files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief