milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: SPS ( loan XXXX ) has not been up front with me about the process of loan modification. When I speak to someone at the company ... they say they have all the information they need then a few days after we speak I will get a letter saying they need more information. When I send in the additional info they say they need ... they wait a couple weeks, then call me and tell me they need it ALL over again because the info they have is now too old. At least every other day, sometimes more, I get a phone call from SPS and the person always hangs up the second I answer the phone which is very odd. I will call back and they say they have no record of this. They are purposely trying to dodge me in order to foreclose, which is not right. They have a modification process but they never allow me to finish it or block me from doing so. I became behind on my mortgage which is at SPS or Select Portfolio Servicing. The home is my former primary residence at XXXX XXXX XXXX XXXX. I moved my family away from this home to a better school district 5 years ago. I could not sell the home at the time, as in 2012 the mortgage was more than the home was worth. I lost the renter for several months which caused me to become behind on my payments. I have never asked for anything for free, just to add the missed payments into the back of the loan. The problem with all this is that SPS has been evasive and they want to foreclose. They are not trying to help in an way and not even following their own rules and regulations that they sent me early on. Thank you, 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 06/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a short sale for over a year from Wells Fargo NA. I submitted several short sale offers but they got rejected because the bank stated that I had a surplus but they never included my partial claim from HUD that totaled XXXX when reviewing my account. I also received letters that stated I did n't meet the terms of the Approval to Participate, but I never received any letters regarding this. I finally was able to speak to someone that could answer my question of why was n't my partial claim being included in my payoff statement. He admitted that the partial claim from HUD was not included in the payoff statements mailed out to me or when reviewed for a short sale. Due to this major oversight by the bank I am now in active foreclosure and have a declining credit score.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent dispute letters to  XXXX ,  XXXX   & E xperian in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX . Experian and  XXXX  has not responded on this dispute and it has been over 45 days.   XXXX   sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that   XXXX   feels that they can use a third party and not even be sure on the information they are reporting? It is not right and its unfair to m e.

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 02-02-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had some unauthorized charges on my account with in the past 6 months and haven't noticed until tax time. So I disputed this with Chase Bank and of course they won't help you recover your money. They only want to take it from you. I had 2 charges happen a few days ago before I started the dispute. Chase sent me a letter 1 week later saying they were sorry and can't recover the funds that were taken because they were over 3 months old. What happened was the banker in the dispute department filed all the charges under the same claim in which was his fault. So they couldn't reclaim the money because the the oldest charge was over 3 months old. Even the new charges that happened days ago couldn't be reclaimed because the banker filed those with the old charges. So Im out of money and after 7 years with Chase Bank I will be closing my account with them and never going back. They have the worse customer service and rules. Never in my life seen a bank make a mistake and not fix it. Its not like they were losing any money on their end. They just didn't won't to help me recover mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX XXXX  # 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 11/18/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: So many inquiries that I have no idea, so many paid accounts still show

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 02/18/2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient student loan collector calling my neighbors to contact me after I asked them to no longer call my number. XX/XX/2017, Also contacting other family members for same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Care credit card is horrible. I paid off what I owed on the card on time and more than the minimum balance, and when I went to use the card they had automatically closed off my account. Did not send me a letter explaining why and when I called customer service they were beyond rude and hung up the phone on me. All they told me was that although I had a good history with them because I did not use they card constantly they closed it. They also told me to re apply but if i don't use the card regularly it will be closed again. Every time you apply for them it affects your credit report even if you are approved. Its a credit card that can only be used for medical visits, medication, glasses ... etc, it's not something you are going to use everyday or month.

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 10/19/2015 about Debt collection (Medical) with Credit Bureau Systems, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2015 my mother was killed in an auto accident. and at that time we did not know of any debt on my mothers behalf. After the funeral I became Executor and began to check my mother 's mail and affairs. After calling all debtors companies and resolving those debts " Credit Bureau Systems Inc. attached a proof of claim to my mother 's estate in district court. they would not call me back after several attempts to contact them to resolve this matter of debt. My mother had no banking account, and live in a home that did not belong to her. I 've talked to the other family members and we can not pay the amount. please inform me on how to take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I got a mortgage from PNC Mortgage for my home. When applying for the mortgage I was told by my loan officer, XXXX XXXX, that I would be able to make bi-weekly payments that would be applied to the loan immediately and not sit in a holding account until the second payment arrived. I am now finding out that PNC 's bi-weekly payment plan holds the first payment in an account until the second payment is made, forming one monthly payment. Being able to make bi-weekly payments that are applied immediately to the loan was the main reason I chose PNC, but now I have learned that I was lied to. The conversation I had with XXXX was on a recorded line and I asked him this on XXXX separate occasions. This is the second issue that I 've had with PNC making false advertisements/claims to me on a recorded line XXXX XXXX call would have been around XXXX XXXX give or take a week ). Their actions are unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Loan has passed 7 year period on credit, date of 1st delinquency was XX/XX/2009 and its still showing on my credit report. I called and disputed it with credit bureaus and I was informed that it is reporting as a good debt and will not be removed. Wells Fargo has updated my credit file by changing the reporting date which may be causing account to remain on credit even longer. Status of this account was foreclosed and sold and reporting as a foreclosure this is not a good 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 12-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: Capital One has refused to credit my account and have rebilled my account for erroneous charges. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ; ... XXXX {$89.00}. Open Drawer XX/XX/2016 INTEREST CHARGE : PURCHASES Interest Charge ... XXXX {$63.00}. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ... XXXX {$86.00}. XX/XX/2016 Merchandise TRANSACTION REBILL Merchandise ... XXXX {$170.00}. All these charges have been rebilled to me and they have applied interest to my account for about {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: When I was about XXXX I enrolled to go to XXXX College in XXXX, Utah. I was in a " XXXX '' ( XXXX ) program under the impression that after a month I would be moved to a XXXX program, this never happened. I did graduate but they never gave me a diploma. I now owe Navient {$33000.00} for a 20 month XXXX degree. I also owe XXXX College another {$8000.00} for a private student loan that is accruing interest at a rate of about {$70.00} a month. XXXX college also told me I would be making around {$XXXX} a year and it was not wise to pursue education at a XXXX college because it would take too long. Obviously that did/is not happen. I believe I have been a victim of a predatory loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Transaction issue

Complaint: A merchant mistakenly charged my credit card in the amount of {$2900.00} ( the order number ) instead of {$290.00} ( the purchase amount ). The larger sum was immediately withdrawn from my account, and despite a prompt void of that transaction, MasterCard and or Capital One bank is refusing to credit my account immediately. I have been told it will take 3-5 business days to post back to my account. I assume the banks are earning interest on that sum while I am left without available credit. As a XXXX I occasionally need to rely on short term credit to cover cash flow shortfalls. This has left me in a position of having to use my cash reserves to purchase materials, when that should go to payroll. It seems unfair that the banks can tie up my credit in such a fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am repaying part of student loans for my daughter. I fell on hard times and had to claim bankruptcy when I asked if I could lower my monthly payments and have income driven loans I was told to do forbearance which I have had to do on several occasions because I can not pay the monthly payment they want. I have been paying what I can afford to do each month but the loan keeps going up higher and higher and they want more and more. I also believe the rate is higher than originally promised.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I never got a mortgage with XXXX XXXX XXXX Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (PA).
Issue: Managing the loan or lease

Complaint: I applied for the loan in XXXX 2013 because an emergency had come up and I needed cash quickly. I was given a loan of Approx {$3500.00} from Onemain Financial. The rep informed me at the time that it would be a 60 month loan and after all the payments were made I would have paid back {$14000.00}, to which I asked " I could pay off off early and not have to pay the extra interest right? '' and was informed by the rep that I could. I was not willing to pay $ XXXX in interest on a {$3500.00} loan and I voiced that and was assured that I could payoff the loan and not have to pay the extra interest. When I attempted to payoff the loan within a year of applying I was told that the balance was $ XXXX and all of my payments had been going to " interest '' ... I feel as though Onemain were very deceitful in their loan process and I was blindsided into agreeing to this loan that is wrong and illegal in so many ways.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i was contacted by national credit systems inc they informed me they were collecting a debt on a defaulted apartment lease XXXX. i informed them i have lived XXXX all my life and then filed a police report and mailed it to them via certified mail. They keep sending me bills demanding that i pay them {$3200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS CREDIT REPORTING AGENCY TRANSUNION WAS TOLD IN A WRITTEN COMPLAINT THAT AN ITEM THAT JUST APPEARED ON MY TRANUNION CREDIT FILE ON XXXX/XXXX/2015 THAT THE ITEM WAS NOT MINE AND I DEMAND IT BE TAKING OFF AT ONCE AND THEY HAVE REFUSED TO REMOVE IT I REQUESTED THEM TO SEND ME THE ORIGINAL PAPERWORK TO PROVE THE ITEM IS MINE AS PER THE FCRA RULES AND THEY HAVE REFUSED THAT AS WELL THEY ARE IN VIOLATION OF FCRA RULES AND REGULATIONS AND I DEMAND THATHIS ITEM FROM A COMPANY XXXX FOR {$1700.00} THIS ITEM IS NOT MINE AND WANT IT REMOVED AT ONCE ... IT TAKES THEM XXXX DAYS TO REMOVE AN ITEM BUT ABOUT XXXX SECONDS TO PUT AN ITEM ON ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with Security National Mortgage (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Security National Mortgage ( SNM ) said I was good for a mortgage on property up to {$300000.00}. They wrote a letter to that effect. 

Before making an offer on the property, I called SNM and asked if they would lend on a property in a development that was more than 50 % non-owner occupied. I was told she would get back to me. I received a phone call stating, yes they would. 

On XX/XX/XXXX, I made an offer on the property, based on the information that SNM would loan to me on such a property. It was to be a conventional loan with a 25 % down payment.

I ordered an appraisal, a home inspection, and continued with plans to go out of state to see the property.

On XX/XX/XXXX we found out the property was not a townhouse, but rather a condo. 
I asked for rate quotes and received these on XX/XX/XXXX It took me a night to determine if I wanted to go ahead with the purchase, knowing it is a condo. I decided to do so. 

SNM sent me written loan approval on XX/XX/XXXX. 

The financing approval deadline, in the purchase contract ( of which SNM has a copy ) was XX/XX/XXXX. At no point did I, or my realtor, receive any indication there was a problem with financing prior to this deadline. 

One day after we were supposed to close on the deal, on XX/XX/XXXX, I hear from the loan processor that the underwriter said, This is not an eligible project. 

Having gone forward with this offer, based on information from SNM and their continued movement forward, for example, ordering a condo certification fee, I spent thousands. SNC never had to loan me on the property. When they learned it was a condo, they could have let me know they were not willing to finance it. Instead they kept moving forward, adding more fees passing the financing deadline ( so I lost my deposit ), waiting until the day after the property was supposed to close, to tell me they would not do the loan.
When I requested a refund of expenses I incurred based on information they provided, they said it was the realtor 's fault. Then they said it was the seller 's fault. They suggested I request my deposit back from the title company and even suggested it was my fault.
This shifting responsibility and pointing blame at injured parties would be humorous if it were not for the thousands of dollars SNM cost me due to their poor work and misleading information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Making/receiving payments, sending money

Complaint: I noticed an unauthorized transfer of {$300.00} under my Bank of America checking account. I called Bank of America immediately to report this. The transaction was still pending. I asked them if they can cancel this transaction since it is still pending. They told me that I had to file a claim. Fine. So I filed my claim and changed my log in information. Couple days later, to my surprise, I noticed the transaction went through. I called again to ask why. The rep told me there is nothing they can do at that point and I had to just wait. Fine! Couple days later, I received a " friendly '' email saying that my claim had been declined because they determined that the transaction was authorized by me. Their explanation : you said your ex-roommate might have your log in information. " If at any time you give your Online ID or Passcode to someone, personal or business ; that person or entity is authorized, by you, to perform that transaction. '' I never said I gave me ex-roommate my log in information. I said she might have it since my user name and password are similar for many accounts. But the rep wo n't listen. I called back several times to argue with the rep, but she was being impatient and rude. I had been with Bank of America since 2008. I had a checking account where I deposit more than {$50000.00} yearly and a credit card which I used to put more than $ XXXX spending yearly. I would never lie to get {$300.00}. The way they treated a loyal customer makes me mad. Claim reference number:XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation