milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Trouble during payment process

Complaint: As of XXXX XXXX, XXXX, XXXX continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX, and more specifically, Select Portfolio Servicing , IncXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX My mother XXXX XXXX in XXXX XXXX and my father XXXX XXXX in XXXX XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. 

Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XXXX XXXX, XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' I forwarded this documentation to Select Portfolio Servicing in an effort to continue home retention option communications and successor in interest obligations, which was previously approved by XXXX during our communications. I was then later notified by Beneficial that my father 's loan was transferred to Select Portfolio Servicing , Inc. effective XXXX XXXX, XXXX, and subsequently transferred to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX. XXXX did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to SPS without interruption. 

Numerous requests to Select Portfolio Servicing, XXXXnc ( SPS ), including a Qulified Written Request, has been responded to with time delaying, strategic, " cookie cutter '' requests for me to get authorization from my deceased parents allowing me to speak with them regarding their account. However, they are sending notifications for my parent 's estate and myself to my personal home address. I was utterly disgusted by the telephonic conversation I had with a female representative of SPS on XXXX XXXX, XXXX regarding this matter. She was unresponsive, rude and unprofessional and did not even remotely attempt to resolve my issue or address my concerns. This is the well documented reputation of this company, past and present. There failure to adhere to the Realestate Settlement Procedures Act ( RESPA ), as well as New York State policies and procedures regarding any successor in interest of a deceased borrower is unconscionable and inexcusable. I can provide documentation for all or any of my communications for both XXXX and SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MD).
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 filed a dispute with XXXX referencing discrepancy in CBNA and Sears reporting. In result XXXX 24-month payment history remained pulling down XXXX Score which is 100 points less than all other consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 CBNA response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by XXXX, XXXX, and CBNA.

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 12/28/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Unsolicited issuance of credit card

Complaint: I never opened this credit card. It says it was opened in 2007, but I was a minor then and could not have opened this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Bankruptcy

Complaint: A couple of years ago XXXX called me about getting discovered and getting famous. I was excited and my dad set up an appointment with them. It seemed so real but it was a major scam. They asked for over XXXX dollars for a photo shoot. I did not get my photos and I still have all the contracts and receipts of all the transactions. I want my money back basically.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had fraudulent activity on my credit card from Bank of America XX/XX/XXXX. When I reached out to them, they asked if I ever shopped with the specific merchant. I told the truth and informed them I have shopped with them but I was not present on those transaction dates and I never made or authorise those purchases. They said because of that reason it would be a dispute, which is not correct. During the dispute, they sent to me the receipts from the merchant. I told them again I was never there to make those purchases on that day and the receipts the merchant provided where not my signature. They went ahead and finally pursued it as fraud-which they should have done in the first place. They told me I was " XXXX not liable for the charges '' and they will continue to do their investigation. After awhile, they came back and put the fraud charges back into my account. When I asked them why, they informed me because I have shopped with that merchant before it is not fraud. I work in credit cards for another group and this is ridiculous! I even had another card compromised for the same dates and same exact charges from the same merchant. The other credit card company took care of my needs right away as fraud. I never shopped with the merchant on those dates nor signed those receipts and I told Bank of America they needed to pursue with the fraud case again. They told me they would not. I went ahead and closed the account and told them I will not pay anything. They continue to send me notices of payment dues. I do not want this to end up being sent to the credit bureau when I have fraud charges on my account not taken care of. I 'm pleading to ask what I can do to have this matter handled correctly. Thank you for you help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with ROC Asset Solutions, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: My family and I have been receiving harassing calls from a debt collector company called API Recovery Solutions. One of their representatives calls my mothers house multiple times per day and called both of us at XXXX today. When I called back the representative was very rude and said if I did not make a payment arrangement on a default loan today he was going to submit my file for review so they could sue me or set up wage garnishments as I am refusing to make payments on the loan. I told the representative ( a XXXX XXXX that he no longer can call my family any more and that him calling me so early in the morning is a serious problem. The rep then advised me is company is not a debt collector but a " mediation company '' so he does not have to put my family on a no-call list and refused to transfer me to a manager/supervisor when I asked for one. He then proceeded to hang up on me after telling me I do n't sound like someone who wants to handle my responsibilities.

Company response to consumer: Untimely response
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Got a letter in the mail said I owed XXXX XXXX XXXX. In XXXX not my home in Florida. Called them and they said they wanted additional personal information such as a copy of my driver 's license and electric bill. I thought this unwise and told them so. They proceed to tell me if I do n't give it to them they will keep calling, affect my credit rating and maybe take me to court. The entire approach is guilty until you prove yourself innocent. Since I have never been to XXXX, never rented an apartment in XXXX, and never asked for XXXX XXXX to be installed anywhere at anytime and could prove it I felt intimidated by their call. I made a personal trip to their office but they were unable to tell me when this transaction occurred. I have sent them XXXX letters explaining my life over the last 30 years but not providing them any other personal information. I have filed an FTC report and put a fraud alert on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-02-2015 about Debt collection (I do not know) with High Point Asset Inc (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from a company stating that I had XXXX outstanding payday loans from 2011. I was told that I had taken out an online payday loan in the amount of {$400.00} on XXXX/XXXX/11 and another in the amount of {$450.00} on XXXX/XXXX/11. I disputed these charges. The company claimed that they could not provide me with any documentation supporting this claim and they refused to give me any contact information for the lenders in question. They had my bank account number, the last XXXX of my SSN, and my email address. I repeatedly stated that I did not take out any online payday loans, and after repeated requests for more information I was advised to do my own research.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am unable to freeze my credit report with Equifax after learning that my Social security data has been compromised through their portal. I tried at their 90 day fraud lock website but it did n't work.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: This bill with XXXX XXXX was reinstated on my credit report XXXX 2017. I have proof it was not on my report before. It had been removed several years ago. After it was removed it was sold twice. XXXX XXXX is now reporting it as XXXX, I disputed the original amount when on report. It was XXXX. I had turned in equipment and they never fixed balance. Equifax is ignoring this as I have credit report from them in XXXX and this is not on my report. I 'm attaching all evidence. They are not investigating and are just closing case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: Prime Lending in XXXX Tx uses deceptive lending practices while over promising and never delivering. The company had our loan for almost three months before it became clear they were not capable of closing our loan. Originally Prime Lending was selected because they assured us they could close our loan without selling additional property. The Branch manger kept insisting he could close our loan if we could just hold on a little longer and would stop communicating with us for days on end. When another lender told us they could complete our loan and help us close on our house we requested our file to be withdrawn and transferred. The branch manager of Prime Lending decided to force a denial on our FHA loan before transferring the file even though a withdrawal was requested. The branch manager also called us twice while intoxicated, after hours, asking if we were mad at him and wanted to know why we were n't closing the next day ( despite the fact we had never heard from anyone we could close, which we could n't ). The unprofessional manner of the branch manager and the deceitful bait and switch tactics of Prime Lending ensure that I will never go back to them for another financial product and will make sure anyone I meet knows just how terrible and incompetent their service is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with Convergent Resources, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recieved a phone call from the collection agency stating o owed {$500.00} from when i was in the hosp on XXXX for a XXXX.The only bill i ever got was for {$250.00} for the XXXX, which i paid.That was the ONLEY bill i got.All other bills were paid by XXXX XXXX or Va ( veterans adimistration ) .The last time i talked to the collection agency was XXXX when i was on vacation in Az , i told them i would be back home in XXXX and to send me a copy of the bill i owe but to this day i have NEVER recieved a bill from no one for that {$500.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Consumer Loan (Vehicle loan) with Helm Associates (PA).
Issue: Taking out the loan or lease

Complaint: On XX/XX/2015, Helms Associates responded to a complaint I filed via CFPB and advised me that they would delete the tradeline off XXXX credit report. I have a copy of my XXXX credit report dated XX/XX/2015, an Helms Associates is currently reporting this account to XXXX and updated this account on XX/XX/2015. This account should have been deleted not updated on my credit report. Helms Associates are in non-compliance. This is Helm Associate exact response from the complaint I filed XX/XX/2015 and their reponse on XX/XX/2015 " This is in response to the above-referenced complaint, which was forwarded to this office on XXXX XXXX, 2015, and assigned Case Number XXXX. '' " After a thorough investigation, our records indicate that the last direct contact with XXXX XXXX was XXXX XXXX, 2015, at which time he wanted to voluntarily surrender his vehicle. Since then, we have no record of the customer attempting to contact us directly, in regard to a validation of debt request ''. " However, we did receive a request from XXXX on XXXX XXXX, 2015, requesting the accuracy in reporting of XXXX account ''. 
" After reviewing the information provided from XXXX and our own internal notes, we responded on XXXX XXXX, 2015 stating that the information previously provided was accurate ''. " Even though we believe we acted appropriately as authorized by contract or law, Helm Associates will grant, as a goodwill gesture, XXXX XXXX desired resolution to remove our trade line information from his credit report ''. " Please be advised that XXXX is our only credit reporting agency ''. 
" We pride ourselves on working with the customer to resolve any issue brought to our attention ''. " As always, Helm Associates makes every effort to fulfill all reasonable requests ''. " If I could be of further assistance, please do not hesitate to contact me ''. 

" Respectfully submitted, XXXX XXXX, XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I contacted Afni Inc. account number XXXX on XX/XX/2017 and spoke with a lady letting her know I had received a bill to settle. I explained to her that I was moving out of state and had already quit my job and I would pay as soon as I could. I was told if I put {$100.00} down I could secure the settlement of {$670.00} then could pay the rest when I get a job. When I called today XX/XX/2017 I wanted to pay the {$100.00} and let them know I could pay rest when I get a job. I got a new gentlemen on the phone he would not look back at the old conversations and kept telling me I had to pay by XX/XX/2017. I told him over and over again I was unable to commit to balance by that day cause I do n't have a job yet. He was really nasty and just kept saying if not taken care of by that date he could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (CA).
Issue: Trouble during payment process

Complaint: The mortgage servicer assigned me to two account representatives who refuse to return my calls, and no one else at the company has the authority to help me resolve my issue. Background : I was notified of an escrow shortfall of almost {$10000.00} that had been accumulating for more than a year on my account. I received notification by regular mail on XX/XX/XXXX that as a result, my payment will increase on XX/XX/XXXX from {$2400.00} to {$3800.00} to cover the shortfall. Through my own research I discovered that in a HAMP refinance, the prior servicer failed to account for my full annual property tax, and my payment was calculated too low. I never received any escrow statement from the prior servicer ; my loan was transferred to a new servicer in XX/XX/XXXX, and I also never received any warning of a shortfall from the new servicer until XX/XX/XXXX. I immediately began calling to resolve the issue and was informed that generally shortfalls can be spread over a longer period of time, but XXXX XXXX and XXXX XXXX would be the only people who could discuss the matter with me. I have left each of them at least 10 messages, at least once per business day, since receiving the notice. I have also written and emailed the company with a proposal to extend the payment schedule. Furthermore, the company has failed to credit a timely payment lost by the prior servicer and acknowledged as a correction by the prior servicer, which would serve to offset some of the shortfall. To date I have received no return phone call nor any return email or letter. This morning I was informed by customer service that XXXX XXXX is no longer with the company, so now there is only one person - XXXX XXXX - who can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have lived in my home for nearly 30 years. My wife and I ( now deceased ) raised our kids and family here. I am now in foreclosure, all because of the very bad loan XXXX XXXX ( now Wells Fargo ) put me in back in 2007. This is a loan where the interest rate and payment goes up and so does the balance. It is called a pick a pay loan. I did not understand this loan when I took it out, I trusted the people at the bank who gave this loan to me. I am XXXX and English is not my first language. They made the loan sound so good, but now several years later it is proving to be very bad for me. As the payment has increased over {$500.00} per month I have tried to get Wells Fargo to work with me to fix this problem. However I ca n't make any progress. I have sent my paperwork to them many times but I have never gotten any help towards a modification. So I began working with a lawyer, who tells me the only way to get Wells Fargo to pay attention is to begin missing payments. So I do this and send in all the papers again many times. Still I have not gotten any help from Wells Fargo. 

I am now in foreclosure with Wells Fargo. I make money from retirement income and also I have rented out rooms to boarders and my grandson lives with me and helps out. I have enough money to give a fair payment to Wells Fargo. But because of this very bad loan they put me in XX/XX/2007 I now see everything falling apart. Why wo n't this bank help me and work with me? My Attorney told me these pick a pay loans are very bad and now illegal?? I want some help from Wells Fargo to get out of this situation.

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 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Issue Incorrect information on my credit report : Account terms Describe what happened so we can understand the issue ... 
I have contacted Experian in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items and collections accounts on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to Transunion, and XXXX on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.

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 11/20/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (CA).
Issue: Closing on a mortgage

Complaint: I negotiated my house mortgage refinance with Loan Depot at 3.0 % ( 15 years ) with no points. 
I submitted all the paperwork which took around 2 months. 
At the time of closing I was surprised to see Loan Depot was charging me points to get 3.0 %. 
Before completing signing / closing documents I called Loan Depot personnel and explain about same, but this person never agree to what I was trying to explained, eventually I signed on cancellation form. 
When I complained to Loan Depot via their survey, their associate called me and apologized and said something went and they could not give discount / rate they promised.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation