milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XX/XX/2016, I completed the rehabilitation process of my student loan with XXXX. Rather promptly, XXXX deleted their default tradelines from all of my credit reports as agreed. XX/XX/XXXX, I received correspondence from XXXX ( Sallie Mae ) that my loan was assigned back to them after rehabilitation. This correspondence was dated, XX/XX/2016. I took this as the start of the 30 day clock of notification that my student loan had been rehabilitated and to remove their default status per 34 CFR 682.405 ( b ) ( 3 ) ( ii ). 
On XX/XX/2016, I disputed the Sallie Mae tradelines with XXXX and XXXX. The tradeline was updated on both credit reports ( not sure what was changed ) however the default status persisted. In addition to that, on XXXX a new tradeline was added with the same account number, under the XXXX name with the default status also and tanking my scores! I have since disputed that tradeline which the investigation is ongoing as of today. 
On XXXX, I disputed the Sallie Mae default tradeline on XX/XX/2016. The investigation completed on XX/XX/2016 with an updated status. Like the other XXXX credit reports, the default status remained and is present today. 

The above clearly shows Sallie Mae/XXXX to not only be negligent as the lawsuit filed by the CPFB alleges but also willfully non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. MY SERVICER HAS COMMITTED SEVERAL BLUNDERS THAT HAVE DELAYED MY SHORT SALE TRANSACTION. XXXX INCREDIBLE ERROR INVOLVED THE FACT THAT THEY MISTAKENLY COMPLETED A FORECLOSURE SALE WHILE PROCESSING MY SHORT SALE REQUEST. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), ADMITTED THE ERROR AND TOOK XXXX MONTHS TO UN-WIND THEIR MISTAKE. THIS CAUSED FURTHER DELAYS IN THE ABILITY OF MY REAL ESTATE AGENT TO PROPERLY MARKET THE PROPERTY AND OBTAIN OFFERS. NOW THAT I AM JUST ABOUT READY TO CLOSE THE TRANSACTION, I HAVE BEEN INFORMED THAT THE INTERNAL REVENUE SERVICE NEEDS A LITTLE MORE TIME TO PROCESS A PARTIAL LIEN RELEASE ( FOR MY HUSBAND XXXX ). THIS RELEASE IS NEEDED PRIOR TO CLOSE. IT IS ESTIMATED.THAT I MAY NEED AN EXTENSION FROM MY SERVICER TO XXXX XXXXXX/XX/2015. MY SERVICER HAS A SELF-IMPOSED XXXX XXXXXX/XX/2015 DEADLINE FOR SHORT SALE APPROVAL AND A XXXX XXXX SALE DATE. THE MAJOR ISSUE, XXXX AGAIN, IS THE PROCESSES AND PROCEDURES ESTABLISHED BY THE SERVICER. THESE PROCEDURES ARE PURPOSELY DESIGNED TO SET-UP FAILURE. A REQUEST FOR AN EXTENSION HAS BEEN SUBMITTED BUT THE PROCESSOR TAKES 10 DAYS TO PROCESS AND MANAGEMENT WILL TAKE ANOTHER 7-10 DAYS TO APPROVE. THIS SYSTEM IS BLATANTLY UNWORKABLE IN A SHORT SALE ENVIRONMENT. I HAVE ATTACHED EVIDENCE THAT XXXX IS ASSISTING ME WITH THE IRS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: My daughter was diagnose with XXXX XX/XX/XXXX. She need help with here XXXX month old little boy and need my assistance going to the doctor and getting XXXX. Meanwhile I had XXXX on my XXXX   during the same time. I was out of work for 6 weeks. I was stressed and so upset with all this going on. I started fall back on my bills. With know help from Loancare. Till this day XX/XX/XXXX I'm still stressing to help my daughter and raise my grandson. My mortgage have in increase 3 times since I purchase this home in XX/XX/XXXX, Was {$740.00} now {$790.00}. Customer Service is so bad. They don't have any respect for people. Also Loancare Loss Prevention Department I had a toilet that over flooded XX/XX/XXXX and I still haven't got my house repaired yet ( XX/XX/XXXX ). They are stressing me out for simple things that I have no control of. I sent everything they ask and they still haven't release the check to get my house in order. XXXX XXXX put me throw a lot today. I need a decrease on my mortgage.I need help.

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 01/29/2016 about Mortgage (Home equity loan or line of credit) with Servis One, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. I own a home at XXXX XXXX XXXX XXXX XXXX XXXX Texas this house was bequeathed to me by my grandmother our family has owned it for XXXX generations. 5 years ago my Husband, who is serving a XXXX in the texas prison system, filled out an application using my name and my credit and my home and received a XXXX line of credit under the rules of a home equity loan from XXXX XXXX XXXX. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from XXXX XXXX XXXX to XXXX mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to XXXX . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. BSI stated they would never give a loan modification. I filed the paperwork to apply for a modification anyway and they processed it. Without sending any notification I writing to me, they started a foreclosure against my home with a sale date of XXXX XXXX, 2016. When I asked my case manager why he did this, he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int XXXX XXXX and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, XXXX XXXX, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. 
this violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I need immediate assistance please. I 've received letters stating that Experian will no longer investigate. I 've also received letters stating that every single one of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that one of the accounts was removed and then reinserted later without any notification as required under section 611! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.

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 09/28/2016 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My XXXX old mother received a phone call from this agency less than a week after my father was buried. The company representative scared my mother mentioning liens against her farm, credit reports, etc. My mother shared that this man 's tone and approach scared her and was very disturbing to her. I called the company and found this individual to be very callous. His lack of basic human decency is beyond pale. Trying to scare an XXXX XXXX XXXX widow out of {$500.00} ( contested debt that my father cleared with the company and yet could not get them to clear in " their systems '' ) is abhorrent. Our father and mother have always paid what they have owed- my father has only contested XXXX things in his life and stood on principle regarding companies trying to collect what is not fairly owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion can you view the FCRA SECTION 609 AND SECTION 610 FEDERAL LAW? AND EXPLAIN TO ME AND THE FTC WHY YOU DO NOT FOLLOW THIS FEDERAL LAW? 
IF SO DO YOU GO BY THIS LAW YES OR NO? IF YES EXPLAIN WHY YOU HAVE NOT SEND ME THE ORIGINAL SIGNED DOCUMENTS THAT I BEEN REQUESTING FROM YOU FOR MONTHS ARE YOU AWARE THAT YOU ARE BREAKING HE LAW? PLEASE EXPLAIN THE LAW CLEARLY STATES ME AS THE CONSUMER HAVE THE RIGHT TO ASK YOU FOR THE INFOMATION PLEASE READ THE ATTACHED DOCUMENTS AND ANSWER ME AS TO WHY. THANK YOU THE LAW DO NOT SAY ANY THING ABOUT CONTACTING THE CREDIT IT SAID UNPON REQUEST CONSUMER REPORTING AGENCY THATS YOU ...

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 09-06-2016 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: Called CitizensOne to request removal of PMI after viewing XXXX % LTV on mortgage statement website. We received denial letter because " Loan is not at XXXX % LTV '' letter states " XXXX Appraised value and current XXXX balance which is XXXX % LTV. Also instructed to bring balance down to $ XXXX which is XXXX % LTV?! '' When we questioned CitizensOne the rep said the XXXX is a mistake and they need to use an AVM from earlier the same year. They also said I would need to provide the full XXXX appraisal, which had already been used as a means of denial for PMI removal. 
The same letter also stated that I could order a new full appraisal at my own expense, from XXXX ( and only those XXXX ) companies. Research shows several fraudulent cases on both companies specifically centered around housing appraisal fraud. 
I do not feel comfortable, and i feel I am being forced to use XXXX of these XXXX MORTGAGE COMPANY suggested appraisal companies. 
Multiple phone calls have yielded phone calls and voice mails, each with more incorrect data. We also have copies of XXXX conflicting voicemails regarding the same loan with different amounts as balances. We are going off the letter from Citizens One, which reflects the closest to our online statement. 
Customer service rep also made remarks about me being an XXXX and that this seemed " suspicious '' I explained I was not an XXXX at Citizens or a subsidiary for several years now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed this discrepancy on my credit report, however, I do not know where this debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with TD BANK US HOLDING COMPANY (NY).
Issue: Other transaction problem

Complaint: On XXXX XXXX, 2017 I initiated an international wire transfer in amount of exactly XXXX USD from my banking institution, " TD Bank '', to a recipient institution, called " XXXX XXXX XXXX XXXX '', located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, whose SWIFT # XXXX, beneficiary account # XXXX. Transfer took place from my TD Simple Savings account. I found out that my wire transfer has not been received by the recipient institution, however, my banking institution does not refund me money. TD Bank started the investigation, but there is still no result after more than one month. I want TD Bank to refund me my {$5000.00} and any fees associated with a transfer because the recipient did not received these funds. It should not take that long for TD Bank to confirm that my funds were never received, thus such funds should already been credited back to my account. I am asking your governmental agency to compel TD Bank refund me {$5000.00} PLUS bank FEES associated with this wire transfer, since the service was not provided. Otherwise, I will definitely sue TD Bank for {$5000.00}, plus fees and expenses associated with the litigation and I will never again have any business with this bank. I thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I request for loan due to my credit report misplaced ether by some one using my name for his or her selfish ends, please help me to fish out this miscreant

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX of 2018, I opened a Business Fundamentals Checking account as well as savings at the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX with a business check written in my business name in the amount of {$21000.00} for products to be shipped. I was informed by the bank that the funds would be available on XX/XX/2018. However, upon checking my account earlier this week XX/XX/2018 I discovered I was unable to access my account. I visited the Bank of America to be instructed to call XXXX XXXX XXXX without an explanation other than my account is only able to accept cash deposits. When I called XXXX XXXX XXXX the representative told me the account was closed without cause as stated in their agreement and the check did not clear. My account prior to my inability to access it online showed that the check had cleared and that a debit was made and funds being held which is also confusing. I had no idea my account would be closed because of bad check especially after being assured everything would be okay.

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 09/21/2017 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: I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XX/XX/XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 Dept of Ed/XXXX Accounts that are reporting inaccurate late payment.s

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Malcolm S. Gerald and Associates, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife received phone call, in 2014, stating she won a gift card. Along with this conversation she was asked several questions, XXXX of which being her favorite magazines. A month or so later I noticed we were getting billed by an unknown company " XXXX XXXX '' which I assumed was from the phone conversation. When we attempted to call the number back, the individual who answered stated that they had received numerous phone calls regarding this issue, but was in way affiliated with the activity. After this we went to our financial institute, XXXX XXXX XXXX, and had them investigate the matter. They determined it to be fraudulent, refunded our money and halted all further transactions. This has been over a years time with no word since, emails, calls, mail etc. Last week we received a collection letter for {$1100.00} from another company " XXXX '' through Malcom S. Gerald and Associates, Inc. My wife never agreed to any contract or services of any form. These charges are fraudulent and we would like to get this taken care of before any negative impact may hit her credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citibank credit card sent me to collections, reported negatively on my credit files and continues to collect on charges that I have disputed now for over a year. Wrong amounts being charged and I disputed as soon as noticed to the comaony many times via email, USPS mail and phone. The company has refused to correct the errors and now remove the balance and charges and continues to add fees and report negatively. This account and balance do not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Other mortgage) with Servis One, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification through BSI in XXXX. Ileft several messages with BSI including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. BSI will not acknowledge receipt of my application. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. I have also been making my payments but BSIrefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because BSI refused to communicate with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Auto debt) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: In or aroundXX/XX/XXXX I purchased a car and financed it through Security National Automotive Acceptance Company ( XXXX ) .. I made approximately 5-6 payments and realized I could not afford the car anymore. At some point the car was repossessed. In or around XX/XX/XXXX XXXX began to call my cell phone regarding the payments. Eventually the calls became threatening, persuasive and all but bullying me to give them money. The calls were as much as several times a week during the first 2 months. A few things they were saying to me were, amounts I need to and GOING to pay, we will put an arrest warrant out for you, and we are the only people that can help you. These calls lasted for over 10 minutes and the representatives constantly said the same things over and over until I would ask to speak to someone else and at that point I would be on the telephone waiting for long periods of time and at some point I would just hang up. The calls would then persist from different representatives. Approximately 1 week ago, I received a copy of my credit reports and noticed a balanced owed to XXXX in the amount of {$10000.00}. I called them to inquire, I was told the car was sold at an auction for approximately {$1300.00} and the current balance owed to date is {$10000.00}! I actually had to have someone else speak to them on my behalf because of what i had endured previously. Soon thereafter, I mailed them a letter ( attached ) requesting any and all documentation regarding my account as well as demanding them to cease contacting me via my cellular telephone. I have also received texted messages from XXXX and surprisingly, as of XX/XX/XXXX sure enough, I received another text message ( attached ) from 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