milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Student loan (Private student loan) with SLM CORPORATION (MI).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: Sallie Mae opened 7 accounts for XXXX AND XXXX XXXX where I'm listed as a cosigner. 
The borrower 's mother asked me to cosign for ONE loan. I talked to the borrower over the phone, she asked me some information and said she'll show me the application to sign, which she never did. 
The borrower 's income on the application is {$13000.00} and she got approved by Sallie Mae for a lot more than her annual income. 
False information about me includes my income, my address, my e-mail address ( it's hers ), my monthly mortgage, my citizenship status, my assets, my employer phone number, and in the last application my cell phone number, etc. 
She continued using my social security to obtain loans for herself and, later, for her sister making up information without my knowledge, permission or authorization. 
Sallie Mae is refusing to investigate the fraud, and take me out of the loans they approved without verifying the information. 
There's a lot of made up information about my self that Sallie Mae could've used as red flags to deny further loans.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I purchased a my home in XXXX, Arizona in XXXX XXXX through XXXX, XXXX XXXX XXXX making weekly payments with no payments missed. Around XXXX XXXX, I started to receive checks from XXXX XXXX XXXX, when I called them to question these refund checks, they then stated that they bought my loan XXXX. I asked them why the did n't assume my loan, they stated that I was not in their system and that my payments were being posted in an escrow account. B of A stated that because they could not assume my loan that I would have to reapply with them and so I did, with one request, reduce my interest rate to something more reasonable. Every month since then, I have refiled as they claimed that they needed either new documentation and or they lost some part of it. In XXXX of XXXX, I discovered that Carrington Mortage now has my loan. I discussed the past problem with a XXXX XXXX XXXX, the gentlemen who called me and he stated that based on the information that he reviewed, he did n't see a problem getting this loan processed. It is now XXXX XXXX, now they claim that there is an issue with my XXXX issuance letter, they are requesting an updated letter for XXXX. I explained to them that I am a XXXX XXXX for life, the original letter is all I have. 

Since this process started with XXXX XXXX XXXX and the fact that they would n't accept payment for my loan, has my credit tied up with this " single '' mark against me. They have tried to Foreclose on my property XXXX times, all of which they withdrew on the date of sale. 

This is my retirement home, I make good money, have always been employed and have set aside a years worth of money to clearly prove that I can afford my home. I even gave them a written offer to which they refused. ( very reasonable, I offered them more than the house was worth@3.5 %, 30 year fixed - they ignored it ) I am not sure what else to do and I need help finding resolve to re-establish my loan and have my credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Transaction issue

Complaint: I had {$11000.00}. transferred to my credit card with Compass Bank, as a credit overage. On XXXX XXXX, 2016 I requested {$10000.00}. be mailed to me. As of XX/XX/XXXX the money had not been revcd. I called & was told they would do something better and transferred it to my checking acct - ( approx. within 3 days ) - On XX/XX/XXXX still not recvd. Talked to a supervisor who was not very helpful as to my urgency, but said it would be in my acct the next day which would have been a Saturday, and I questioned that. Well today is Tuesday XX/XX/XXXX and the money is still not in my chck acct. I feel at this point they have made me incur some addtl charges on money I had to pay a worker ( {$56.00} ), ATM fee to XXXX ( XXXX ) to withdraw {$400.00} on XX/XX/XXXX, and a late fee on my water bill ( not yet known, but maybe about {$2.00}. I feel they should reimburse me for these expenses which were incurred to their not returning my money, and maybe even pay me interest same as they would have charged had it been a debit. Also some kind of reprimand so this does not happen to anyone else. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Settlement process and costs

Complaint: I am in the market to purchase a new home. It has come to my attention that nearly all the lender owned properties require the buyers to get a Title XXXX Certificate and a Certificate of Compliance from the local Fire Department. This becomes another expense for me before the closing. It was my understanding that the seller was required to get these things. Is their a law that requires the seller to do these tasks?

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 04-02-2018 about Debt collection (I do not know) with First Federal Credit Control (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : FIRST FEDERAL CREDIT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 12/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: Parents filed a bankruptcy and the bankruptcy court went after my husband 's job and garnished his pay. We were in this process for years. They took money from his salary and the debt was paid and they still took money from my husband 's salary. They put our home in bankruptcy, my parents did not own a home. 
Now they have discharged the bankruptcy and our home has a sale date. 
NationStar/Mr. Cooper refuse to work or speak to us about our own home. 
They will only say we have a sale date and their is nothing we can do about it. 

They had an inquest and received a judgment of foreclosure and we were never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Briefly-2 issues 1 When we bought our house in XXXX Countrywide gave us a bait and switch that we fell for - they split the loan in two, the smaller portion was an interest only balloon loan- Bank of America took over our loan when Countrywde failed - this smaller portion of our mortgage has been coded by BoA as an equity loan - it was never an equity loan - but b/c of that designation as an equity loan they repeatedly rejected our eligibility for a modification - even though we were approved for a mod for the bigger loan following the great recession of XXXX when we lost our jobs XXXX It took BoA 5 and a half years to conclude that the only solution they will offer us is a capitalization program at 10 % which includes all back interest and fees that built up while our application was being delayed. Delayed for months and now years due to their negligence. For example, we received documents from BoA with erroneous information that must have been from someone else 's account. 

Since this 2nd mortgage was purchased at the same time as the 1st mortgage we desire that it be modified exactly the same as the 1st. We requested this at the very beginning but they told us to wait

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Okay so i disputed a  Repo  account with  XXXX ,  XXXX , and Equifax. They responded back saying that they verify that it was my account. So I called each credit bureau and asked them how they verified that it was my account. All  XXXX  of them said they called  XXXX  to verify. So I took it upon myself to give  XXXX  a called and spoke with a rep ( I do know her name and the department she works and if I 'm not mistaken she recorded the call ). She stated that no company call asking anything about my name ever. I would like them to delete the account off my report because it 's false information and hurting my credit in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX ,  XXXX  and Experian are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX XXXX and TransUnion. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.

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 07/21/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (DC).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen told me for months that they only needed my 2013 tax returns to complete the package for assistance. When I submitted them to Ocwen, they change the requirement to submit a new request. I have submitted a new request with all items needed yet I get emails saying nothing is submitted. Its taken XXXX years or more for Ocwen to provide assistance and they are indeed difficult to help struggling home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I do not have the dates of my student loan. It was XX/XX/XXXX or XX/XX/XXXX. XXXX sold me " college '' debt and the education was n't worth transferring credits bit they helped me get my student loans and grants put thru. I have heard there was a lawsuit. I really need this resolved so I can go back to school. This time just for a certfication. XXXX is like half student loans. Can You Help?

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Settlement process and costs

Complaint: Ocwen Loan Service Approved a loan Mod for us in XXXX XXXX after a ton of hassle and complaints and denials. I mailed in the contract and 3 trial payments and 1 additional payment in XXXX XXXX. XXXX XXXX I rcvd a letter saying they never got the final contract. I then faxed it. Ocwen then said the signatures did n't match. So resigned and faxed it again. I edited the contract. The amount owed in the contract showed {$20000.00} that was to be deferred principal balance and would n't have to be paid right now, but a non interest balloon payment. However when I recvd the late notice and the statement, they showed different amounts. The late notice showed {$18000.00} and the statement showed {$18000.00} as of XXXX XXXX. So why would I repay {$20000.00}? In addition the balloon payment was n't for {$20000.00} it was for $ over {$70000.00}. If the {$20000.00} was non interest then why is the balloon almost 4 times the original amount? I line marked the changes in the contract and they would n't except the contract with the changes. I resigned the contract with the wrong repayment amount and the crazy high balloon payment, but they then wanted 4 additional mortgage payments per a letter, I recvd in XXXX XXXX with in 22 days of that letter we sent FIVE payments to them. About 3-4 weeks later we recvd another letter saying we were be denied for none payment. Apparently they had emailed us a letter telling us they needed another payment. In all the correspondence, in 2 years they had NEVER emailed anything without request, but they did this one letter that meant we would be denied our modification. Since then they had unrealistic requests like 9 payments, etc. I also rcvd monthly letters from Ocwen offering me assistance with modification, but when would try and log on it would say you ca n't apply right now or it would show a pending modification, but I rcvd denial letters. In XXXX XXXX I rcvd a letter thanking me for application for assistance which I still had not been able to sent after several attempts, but they charged my account for a XXXX property inspection FEES in like 2 months and sent me a property evaluation and {$100.00} evaluation fee.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with AMERICAN PORTIFOLIO MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, American Portfolio Mortgage Corporation ( APM ) began servicing my mortgage account. This is the second time I have had to contact CFPB about APM 's mismanagement of my account within the past 3 months. I attempted to contact APM by phone to resolve this matter but was unsuccessful. 
XX/XX/XXXX, APM used funds in my escrow account to purchase flood insurance on my home ( See Attachment # XXXX ). At the time APM purchased this policy, I already had flood insurance, paid through XX/XX/XXXX. ( See Attachment # XXXX ) After APM purchased this unnecessary insurance for {$1100.00}, I was notified that I have a " Escrow Shortage Amount '' of {$1000.00}. APM advised me that the shortage " may result in an increase in [ my ] payment ''. ( See # XXXX ) APM 's " Escrow Account Projection For The Coming Year '' shows flood insurance in the amount of {$980.00} due in XX/XX/XXXX. ( See # XXXX ). This is further evidence that the flood insurance APM purchased XX/XX/XXXX was not warranted. 
The XX/XX/XXXX projected payments FROM my escrow account total {$3900.00} ( See # XXXX ). The XX/XX/XXXX projected payments TO my escrow account total {$4700.00}. This difference amounts to a {$790.00} surplus in my escrow account. ( See # XXXX ). 
The alleged escrow shortage projected by APM is a direct result of the flood insurance wrongfully purchased by APM XX/XX/XXXX. There is NO shortage in my escrow account, nor any basis for increasing my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I noticed on my XXXX  report an inquiry that I did not authorize from XXXX XXXX, XXXX XXXX Dated XX/XX/2017.

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 03/18/2017 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been sold and therefore the original debtor holds no contract with me. This debt is held without my knowledge or consent and I have never entered into any contract with united revenue corporation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I had called Capital One 360 about my savings account and they told me I had been approved for a checking account, which I wanted. I was told I had to go online into my account to finalize the approval and then was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a company called XXXX XXXX XXXX their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for Check N Go. I dealt with the original creditor Check N Go and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX XXXXf XXXX XXXX XXXX XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only XXXX XXXX ago. She said she found my information through a system called XXXX XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company XXXX XXXX XXXX XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Specialized Loan Servicing LLC, based in Colorado, is using investor guidelines for PMI removal that are in excess of what is allowed by the Homeowners Protection Act of 1998. Specifically, SLS is attempting to impose a seasoning requirement on my mortgage before they will remove PMI. I sent a letter to SLS explaining why the seasoning requirement is not enforceable. SLS sent a written response stating that the seasoning requirement is valid. I am sending another, more detailed letter to SLS at the same time I am submitting this complaint. I will attach copies of all of the relevant correspondence. 

Additionally, I recently received the annual PMI disclosure notice from SLS. The annual disclosure notice does not mention a seasoning requirement. It appears that SLS does n't mention a seasoning requirement until you write to them requesting that PMI be removed.

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