milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Loan Account # : XXXX Hello, For over a year now I have been trying to get a loan modification on my mortgage with my mortgage servicing company, Select Portfolio Company. I went through some very hard times and could not afford my mortgage then. However I went back to work and things have gotten better for me financially and have since pleaded with the mortgage company to modify my mortgage. For over a year now they have not given me the modification and my home is now in foreclosure scheduled for a XX/XX/XXXX sale date. 
I have given them all my financial statements that were requested including my income which includes my child support. They are refusing to use my child support and threaten to go ahead with the foreclosure on my home because according to them the amount is not the same every month. My monthly child support is a little over a XXXX and I receive it on a master card. I gave them the court order that shows the amount and 18 months monthly statement from the child support department proving I have been and still receive this income. 
They are however refusing to use my child support income because again according to them the actual amount received is not the same every month. They claim that because the actual amount receive is sometimes slightly more and sometimes slightly less than the amount ordered by the court that I get a letter from the department of child support explaining why amount varies. I asked to the court for the letter but was told they can not tailor a letter explaining why the amount receive is sometimes slightly higher. According to them they can only give me the monthly statements and the court order but can not tailor a letter to my situation. 
I explain this to my mortgage serving company and ask them to at least use the medium amount for every month but they insist they will not use the income at all however if they do not use my child support income that will disqualify me for the modification that is currently in progress with them. 
I have lived in this home with my daughter since XX/XX/XXXX and I am terrified that they are going to take our home away from us. I barely sleep at night. I do n't understand why they are refusing to use the child support when I have given them statements from XX/XX/XXXX to now showing I received at least {$850.00} every month. 
I am asking this office to please intervene and help safe my home. Please ask them to use all of my income and not deny me the loan modification. 
My mortgage company information : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX : Phone : XXXX Thank you XXXX XXXX XXXX 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 09/28/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Between XXXX and XXXX, I took out a few Wells Fargo private student loans. Since I did not have enough credit to be the sole borrower, my parents were co-signers. The loans that we signed stated that my parents would be released as co-signers after 24 consecutive on-time payments. 
In XXXX, I took forbearance with my Wells Fargo loans due to an XXXX internship. Once the internship ended, I was told that my parents would not be released until 48 consecutive on-time payments were made beginning in XXXX. They alleged that there were missed payments, but there never were. I requested detailed information from them, but they never produced documentation. 
The development about the new co-signer release was never agreed upon, either verbally or in written form. I have made on-time payments without my parents help for the duration of my payments and ask that they be removed as co-signers as soon as possible.

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 04/21/2017 about Bank account or service (Checking account) with KEYCORP (MA).
Issue: Account opening, closing, or management

Complaint: I opened the  KeyBank  account back in  XXXX   XXXX    XXXX   with the sign up bonus promotion of {$300.00}. I met all the criteria for the bonus but has never received it. I then contacte d KeyBank and found out that the promotion code I gave to the clerk was never submitted to the headquarter. I spent another 2 months to resolve the issue myself but it appeared KeyBank is delaying the process until I give up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX and XXXX XXXX XXXX I filed a dispute with Equifax online for the collection with XXXX XXXX to be removed from my credit report. I have sent them a paid and settled letter and also a letter from the collection asking for this to deleted from the my credit report. I have spoken with XXXX XXXX on numerous occasions and they stated that they sent a deletion AUD number on XX/XX/XXXX to all CRA, all, except Equifax have deleted this collection from report. My credit score is has dropped significantly bc of this collection. I do n't know why Equifax will not update this collection when they have received the information from the XXXX XXXX asking for this to be deleted from report. I need this collection to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: There are multiple inquires listed on my credit report that I have no knowledge of and did not authorize. 
1. XXXX XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX I disputed these inquires and was told they are a matter of fact, how can that be if I have no knowledge or did not authorize them.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.

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 08-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: TO : TRANSUNION I understand you are just following standard-processes ... But on this one I need you to think " out-of-box ''. Your normal " submit-a-dispute '' does not fit my need as it is designed to submit only on an individual entry ... I have a more broad issue. 

I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months So please read this and absorb in its entirety ... Then respond accurately.

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 07-05-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Customer service / Customer relations

Complaint: This is about a Macy 's Department Stores National Bank card. I changed my address a year ago and they still sent my new card to a previous address. I was unable to register the replacement card online or over the phone. They never sent me a paper-bill for the new credit card until I called to request it. I mailed a letter to them on XXXX XXXX 2016 canceling my account and requesting a final bill. They sent me a monthly statement belatedly and charged me a late fee. In anger, I cancelled my account on XXXX XXXX 2016. On XXXX XXXX, 2016 I called and my account is cancelled but they had no intention of sending a letter to confirm the cancellation until I requested it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had hired a Law Group that I had hoped could assist me with mortgage fraud that has been perpetuated against me for more than TEN years. After a discussion of my case with XXXX XXXX XXXX, which I was given the impression would direct me to a local attorney to assist me in my plight, I discovered they are ONLY in California, do NOT provide one with an attorney. At this juncture I had only given then a copy of ONE mortgage statement and some basic information. I divided the cost of {$750.00} between two separate Debit cards. Once I advised XXXX that I had fired this company and was repeatedly told by XXXX XXXX XXXX that " accounting would refund my money as nothing was done or submitted on my case. This went on for nearly a month and nothing was refunded. I finally had to deal directly with the banks independently and the charges were reversed. 

Apparently XXXX XXXX XXXX provided a retainer agreement to XXXX who without consultation with me reversed the fees and charged me once again. You should know that the retainer agreement DOES NOT HAVE MY SIGNATURE ON IT!!!!!!!! It was typed my XXXX XXXX XXXX and NOT signed by me. XXXX has refused to return this money or cease activity on my account and in fact charged me HUNDREDS in overdraft fees that I never should have been charged!!!!! 

Mind you I survive on Social Security XXXX and now can not afford heat my home or pay for electricity in my home because of XXXX XXXX  lack of due diligence and fiduciary responsibilities to me as the client!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: After receiving Citibank offer in mail in XXXX, about applying for Citi XXXX account and performing XXXX bill pay in each of XXXX consecutive months I would get XXXX ThankYou points, I thought that that 's a great offer and I opened new account with Citi. Right after they approved me for new account, I contacted Citi via their secure message system to verify if offer noted on my account, I received confirmation of that ( XXXX ). I completed requirements in XXXX, and made an inquiry about my bonus in XXXX XXXX XXXX XXXX, but was told that I need to wait 3 months for that. Next inquiry was in XXXX ( XXXX ) when I was told that I will be getting my bonus in the beginning of XXXX. After my last inquiry in XXXX, I received letter that I 'm not eligible for promotion, and not getting my bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: ALDOUS thats a company constantly calling they said I have to pay the amount of XXXX dollars because I owned to a gym which I dont remember the name but when I ask them about my information to confirm its me they deny to answer my questions I dont know why they call me I havent been involved in a gym for years besides that they report to credit institution and is affecting in my credit I would like to solve this problem as soon is posible thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: TILA Rescission letter was mailed on XXXX XXXX, 2010. The effect of TILA Rescission is, as a matter of law and by operation of law, to cancel the loan contract, and to render the note and mortgage void. The matter is well settled, to wit : the rescission exists, it is effective as a matter of law. The rescission is effective upon mailing. The pretender lender, Bank of America N. A., do not dispute that rescission has occurred but seek to invoke issues in a case that is not and can not be before any Court, to wit : whether the rescission is effective. And they seek to do so through motions in which they deftly avoid the requirement of pleading and proving facts in a proper lawsuit to vacate the rescission, thus depriving the homeowner of their right to raise appropriate defenses to the non-existent lawsuit seeking to foreclose. Pretender lender want the courts to enter an order that would impliedly vacate the rescission. The pretender lender seek to have the court assume facts about the consummation of the alleged loan including the date or dates when consummation occurred and the source of funding for the alleged loan. They even want the court to assume that disclosures were adequate. They seek to have courts adopt the premise that the rescission is not effective upon mailing if there are potentially defects in the reasoning or actions of the borrower. ( XXXX v Countrywide ). SCOTUS clearly stated that the rescission is complete upon mailing, regardless of whether it is disputed or not. This eliminate the right of Bank of America N. A., et al to raise a challenge. All three branches of government are in unanimous agreement : TILA Rescission is effective upon mailing by operation of law. Nothing further is required from the borrower.

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 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: inquiry victim inquires from companies i never authorized on  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   Inaccurate information on my credit rep ort 1.   XXXX   XXXX   account late payment status,   XXXX   XXXX   reports as negative Due to do inaccuracy of this information i request you delete it from my 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 09/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I used their Bill Pay system on XX/XX/XXXX. The payment never went out so I had to pay a late fee and pay it again a few weeks later. Then when I called today to discuss/investigate - nobody knew who I was. They looked up my account number, nothing. My name, nothing. My zip code, nothing. I have several accounts at this bank and they have chosen to not remember who I am. Finally after an agonizing 30 minutes on the phone, the rep was able to find my account ( what a miracle ) and then denied that I ever made the payment. I have learned today that BofA is not training their people as well as not paying payments that I instructed them to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: To The reviewer of all my complaintsCFPBMy name is XXXX XXXX. I was the owner of the HUD located at XXXX XXXX XXXX, GA XXXX. On XX/XX/XXXX, the house was sold at the steps of the XXXX house. XXXX XXXX Georgia. XXXX XXXX of Wells Fargo requested the sale to be rescinded after my complaint. On XX/XX/XXXX, around XXXX to XXXX, she advised that the sale can not be rescinded. and it was final. Last week, XX/XX/XXXX XXXX County Water Authority called me to tell me a company wanted to establish an account with them. Since my name is the legal owner of the property, they did n't open an account in their name. The same company locked me out of the property and took ownership of the property without an eviction letter. Again prior to the dismissal of the rescinded request. I was locked out of the house. 
The same XXXX XXXX of Wells Fargo told me the HAMP application submitted on XX/XX/XXXX was not reviewed, but the one on XX/XX/XXXX was reviewed. Therefore, this is a violation of Federal Law. I further asked her if I was not qualified for any other Federal program in order to keep my house. She responded " No ''. XXXX XXXX of Wells Fargo advised in XX/XX/XXXX to have a letter of a permanent job offer in order for her to continue with the modification. XXXX applications were submitted to Wells Fargo for review and an appeal form to continue with the modification. XXXX XXXX said that nothing was reviewed. Since XX/XX/XXXX XXXX promised to give me the information about the third party purchaser of the house. She did not respond to her phone call. This is an illegal possession of the house and a wrongful eviction. I hope someone can look at this complaint and act upon it. Wells Fargo has received the bailout money from the US Government but violated the law for modification and put a barrier to minorities to get loans to keep their house. This is pure discrimination for denying me due process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: Hello, my name is XXXX XXXX.
I have a mortgage company by the name SLS. I bought my house for XXXX . My balance XXXX. It already reached 78 percentage and they 're not taking the PMI off. I talked continuously many times. Now they want to do a appraisal and the loan is already less than 80 % percent. Now they 're trying to charge me to do a appraisal. Please help me out.
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Sincerely, XXXX XXXX Account Number : XXXX ( Phone Number for SLS : XXXX ) If you have any question please call me or my husband XXXX XXXX at XXXX.
My e-mail address : 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 09/26/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian refuses by trickery to investigate the accuracy of accounts, and largely denies consumers the opportunity to redispute information that is on the reports. In my case, which has happened for the past 8 years, Experian keeps merging information between myself, my brother, father, and grandfather because of similar names, in my case, they assigning my brothers accounts, their home addresses, and credit information to my report, and when actively disputing the accounts, they state that the wo n't correct the information, that it is verified. My name is XXXX XXXX XXXX, my relatives are XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, this is the first instance. 
The XXXX problem XXXX, auto credit, and security national between 2012 present sent me a IRS Form XXXX, debt forgiveness, which means that it was counted as income, not debt on my annual filings, Experian refuses to reinvestigate those facts, and cites repeated disputes, so based upon trickery, they are allowed to keep the item by refusing dispute capacity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been a XXXX for the past 8 years. I love what I do and I would n't change it for the world. My point is I work hard and I try to provide for my family the best way I can ... .. but it is extremely frustrating dealing with Equifax credit bureau. I am trying to obtain a loan to refinance my home and since XXXX of 2015, Equifax has been reporting my revolving credit usage at XXXX % when it has been between XXXX-XXXX % and they are also reporting XXXX unknown collection accounts. 

My credit score with XXXX is XXXX However my XXXX score is XXXX!!! 
Powered by Equifax Credit Score XXXX Revolving Debt {$1900.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$210000.00} Powered by XXXX Credit Score XXXX Revolving Debt {$580.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$200000.00} I am requesting they correct and update my file to show the credit revolving credit usage and remove the XXXX improperly placed collection accounts XXXX Account Number XXXX and Diversified Consultants Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with SQUARETWO FINANCIAL CORPORATION (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This collection does not belong to me, some one else used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation