milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2015 about Mortgage (FHA mortgage) with Selene Finance LP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: A foreclosure Lawsuit was filed against the Borrower on or About XXXX XXXX, XX/XX/XXXX. The Borrower was defaulted from her loan because of several mistakes made by her servicers during various transfers of her loan to XXXX another. 

As a result of their mistakes they stopped accepting her payments and defaulted her. On or about XXXX of XX/XX/XXXX, The Borrower was granted a loan modification trial period by XXXX XXXX following a complaint to the CFPB. 

Immediately upon granting The Borrower a loan modification, XXXX XXXX sold her loan to Selene Finance. Because of the transfer, approximately two months passed before The Borrower was able to make loan modification payments. 

On or about XXXX of XX/XX/XXXX, The Borrower completed her trial payments. In XXXX of XX/XX/XXXX Selene Finance mailed out the final modification packet, and The Borrower immediately signed it and returned it. ( See attached correspondence and loan mod documents ). 

The Default is resolved and settled. The Borrower has continued making regular payments on her loan, and the foreclosure case should be dropped. There is no longer any default. However, Selene Finance has failed to instruct its counsel to dismiss the foreclosure case, and has instructed them to proceed with the litigation. ( see attached documents ). 

Trial is scheduled for XXXX XXXX, XX/XX/2015. While Selene finance has outstanding customer service, their legal department is sluggish and takes months at a time to update their files, complete documents, or instruct their attorneys. 

The Borrower is in her mid XXXX and suffers from XXXX. She is undergoing a lot of stress and fears that the Court will take away her home despite her settlement with Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question PORTFOLIO RECOVERY ASSOCIATES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown and Joseph, Ltd (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Our previous Insurance company for our business ( XXXX Workers Compensation insurance policies ) has made numerous errors on our account that began in XX/XX/XXXX. Our premium doubled without explanation and we continually were trying to gain insight and rectify our account with XXXX, since then. We originally obtained this insurance with XXXX through XXXX ( XXXX, was our agent ) .We will attach the appropriate documents ( which are all correspondence via email ) - which will clearly display the errors, acknowledgments, unprofessionalism and incompetency that was shown and communicated to us by XXXX , XXXX and ( the now ) collection agency ( Brown & Joseph , Ltd ). XXXX ( of Brown & Joseph ) was the last communication that we had with respect to our situation and account. We proposed good faith payment plans via phone and email with XXXX ( and also through emails, previously, with XXXX of XXXX ) - neither company was willing to accept our payment plans that we offered ( based on what we were able to afford ) as they felt our terms were unacceptable. XXXX was passive-aggressive and threatened that if we did n't have payment by XXXX on Wednesday, XX/XX/XXXX he would take us to court and by that following Monday we would be calling him back to start calling him names. When we questioned him as to why he was speaking this way to us, he repeated himself. All we wanted to do is rectify and move on from this awful situation that was created by XXXX, lasted 8 months before actual numbers were finalized, and at this point- all parties are making us feel like 'they ' are the victims.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 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: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.

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 07/15/2015 about Consumer Loan (Vehicle loan) with Automotive Credit Corporation (KS).
Issue: Managing the loan or lease

Complaint: As someone raised on an XXXX with no experience in what credit is, I made bad choices. I got a car XX/XX/XXXX it 's {$380.00} a month with insurance that costs {$160.00} a month. I want lenders to explain what 's required every month. I still have a year on a XXXX Hyundai Accent. From {$11000.00} to {$25000.00} is what I will pay in the end. I struggle with paying my rent but it 's my only car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Incorrect information on your report

Complaint: I am currently in chapter XXXX. My husband is not. Co-borrowers on the mortgage. It shows as closed on both credit reports. Bankruptcy filed inXX/XX/XXXX. All payments since have been on time. Payment history inaccurate as reported. Company fixed errors XX/XX/XXXX. Since then it was updated with completely inaccurate information. They claim they have to report same information for both borrowers which is not true. Been trying to fix the errors since XX/XX/XXXX. No resolution. My husbands credit is suffering horribly and the continued errors are becoming very costly as he can not apply for anything.

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 01-05-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My recent credit report have disputes I created through Equifax in regard to XXXX derogatory marks listed in collections that are on my report. This information is inaccurate and suddenly appeared on my report with no knowledge. The accounts in my report that are considered to be in collections do not belong to me and or are payed off. I believe the negative information on my report is untrue and I want these derogatory marks removed from my report. I 'm unable to apply for loans, credit cards, etc because other businesses that pull my credit report are seeing a score displayed to them that is incorrect.

Company response to consumer: Closed
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reached out to Equifax regarding fraudulent/unauthorized inquiries on my account. I was told to contact the creditors listed which I did but they were unable to help me since they either no longer had the information, or redirected to me to contact Equifax again. Today, XX/XX/XXXX, when I reached out the agent told me to get the inquiries removed I needed to file a complaint and fax it over so they could get this inquiries removed from my credit report. Below I have listed the names and dates on the fraudulent inquiries : XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have had a mortgage for the past 18 years from mid XXXX 's to current. My mortgage has been sold 4 times over the course of the last 4 years. Prior to getting the mortgage sold I re negotiated with the lean holder and in a loss mitigation program.
But before being sold I had made the the 3 months of trail payment which were successfully, a new agreement was signed and notarized. Upon the sale the next mortgage holder accepted the terms and conditions and then the mortgage was sold again to Ditech which is when in XX/XX/XXXX they started to play games and ask me to open up a new loss mitigation program because they did n't want to honor a binding agreement with the previous lean holder. I refused on account of them wanted to raise my interest rate back up from 2 % to 8 %.
I will attach this agreement if I am able to send to you. Now I am foreclosure and attorney has suggested that I file a complaint with you.
Best Regards 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 01/28/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received mutilate calls from them attempting to collect a debt from a medical visit I never had. If I had visited, my health insurname would have covered the visit and it would n't have cost me {$260.00} like they are claiming.

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 06/28/2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked ARS to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 07/25/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (UT).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: On XX/XX/XXXX I opened a credit account for {$3600.00} with XXXX XXXX. The sales representative suggested a VIP Credit Account with Comenity Capital Bank in which i would not have to pay interest for the first two years. Payments were made each month, on time, during those two years and the balance was brought down to {$1400.00}, but the amount was not paid in full. On XX/XX/XXXX, a Finance Charge was add of {$1300.00}. This amount is almost a 90 % addition to the actual money owed.  According to my contract, and my understanding at the time of sale with XXXX XXXX, if the account was not paid in full by the end of the two years, interest would begin to accrue until the amount is paid in full. I have attempted to contact XXXX XXXX and Comenity Capital Bank, but they have been unable, or unwilling, to explain how {$1400.00} remaining balance adds up to {$1300.00} fee? Further, there is nowhere on the XXXX XXXX Credit account customer portal where it states my actual current interest rate, or what is being accrued. I would appreciate your assistance in getting answers because i feel i was fraudulently treated by XXXX XXXX at the time of sale and have had critical information kept from me by XXXX XXXX and Comenity Capital Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months.

This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MO).
Issue: Other service issues

Complaint: This is a complaint against PayPal Credit for an unauthorized hard credit inquiry. It is not a complaint about sending money. 

I recently applied for a home mortgage and was surprised when my lender questioned an inquiry on XXXX/XXXX/XXXX from XXXX/PPC which I later determined to be XXXX/PayPal Credit. While I do maintain an account with PayPal Credit there had been no activity on my PPC account around the time of this *unauthorized* " hard '' credit inquiry. Additionally, my balance with them at the time was {$0.00}. 
This hard credit pull caused a delay in my securing a mortgage and I had to sign paperwork at closing attesting that I was unsure of the nature of the inquiry. Companies ca n't just randomly pull " hard '' credit inquiries, can they? 
Around late XXXX XXXX or XXXX XXXX I logged into my PayPal account and sent a message via their secure message center demanding an explanation of the inquiry. I never received a response. Additionally, messages older than 90 days are not displayed on the message center.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XXXX/XXXX/XXXX I saw on social media that " students who attended XXXX XXXX be eligible for student loan forgiveness '' and cite Obama student loan programs with urls that upon research do not exist. On XXXX/XXXX/XXXX I was contacted by an unlisted number XXXX XXXX XXXX XXXX XXXX XXXX. They ask if you have a job currently and have at least {$10000.00} in debt. They ask for very personal information like being able to access your XXXX login which contains SSNs. They ask for very steep payments for the first 4 months and after that they claimed my loan payments monthly would drop to {$20.00}. They then sent a contract to me stating they are the " Premier Student Loan Center '' and asked for bank or credit card information. On XXXX/XXXX/XXXX I coincidentally received information from XXXX XXXX about the danger of loan scammers. This prompted me to contact the Department of Education and speak to their representatives about these third parties and if any are legitimate. I spoke to a man named XXXX who said that these scams have been an issue and though they have not heard of this particular " company '' it 's likely a scam because the DOE does not work with third parties and that all of their forgiveness programs are free of charge. As soon as I contacted the sir who initially tried to set me up with their program, XXXX XXXX who 's company direct line is XXXX XXXX XXXX XXXX XXXX XXXX, to cancel he tried to reassure me the program was legitimate. He assured me that the DOE does n't normally " take civilian calls '' and the the number for the DOE given to me by the BBB when I was researching the PSLC with them, was not correct. I responded I would do more research still and then make my decision. I was then contacted by a " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, that he is the " program processor '' and inquired about my tax documents. At this point I fully believed I was being scammed and requested the contract cancelled and all my information deleted as of XXXX/XXXX/XXXX. I have changed my XXXX password, cancelled my credit card, and put necessary protections on my federal loan account. 
If you are hurting/struggling to repay your loans, please use extreme caution when being offered " to good to be true '' offers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Privacy

Complaint: Went to pay my Citi credit card, teller said that they needed my Social Security Number and Occupation. I ask why, and pressed the issue they said it was corporate policy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: An unauthorized transaction was allowed to be processed by my financial institution, JP Morgan / Chase Bank, with incorrect account information. The merchant, XXXX, submitted a transaction for {$53.00} with incorrect street address, city and ZIP code however when I contacted Chase Bank to inquire I was advised that " certain merchants have very low account validation requirements ''. I asked for this charge to be disallowed and was informed that my entire life would have to be turned upside down with the closure of my card due to the fact that Chase Bank has failed to protect my account / monies by indiscriminately choosing which merchants can process transactions without having to validate that it is authorized by the consumer, i.e having the correct information of the account they are trying to process. I do not believe that there should be arbitrary account validation requirements that put the consumer in jeopardy of fraudulent activity or that JP Morgan / Chase should have the right to " decide '' which account transactions " look good '' based upon prior account activity when the account information which has been submitted in conjunction with any transaction is incorrect. The only recourse I was offered was to cancel my card and file a claim for a fraudulent transaction when it was the failings of JP Morgan / Chase to ensure that the information provided was accurate and complied with what any reasonable customer would assume to be standard security procedures when it comes to account security.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: To whom it may concern- Starting in XX/XX/2017, I've been having difficulties with my now former financial institution, Wells Fargo . They assigned me a new bank account that I did not authorize, and withdrew funds when my account balance was low. They sent me a new debit card that I did not want. I also have asked for my personal line of credit balance and they gave me the wrong amount owed. They have not sent me the personal line of credit statements that I requested. 

Please resolve this as quickly as possible. Thank you. Sincerely yours-

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 02/24/2016 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (NC).
Issue: Problems when you are unable to pay

Complaint: Summit Financial is reporting collection / chargeoff to the credit bureaus. I disputed this in the past and had it removed because they could not verify any information. It has started showing up on my XXXX and XXXX reports again with an incorrect Date of Last Payment of XXXX XXXX, XXXX. There has been no activity on this account since early XXXX which would put it at 7 years and should be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient would not allow me to make a payment toward my principle balance. I had to talk to XXXX levels of supervisors before someone would " allow me to make an exception '' and make a payment toward the current interest and whatever was left over would be made toward the principle. My regularly scheduled payment was not due for another two weeks. I am very unhappy that they would n't allow a payment directly toward the principle ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: Yesterday, I deposit a check from my company account ( XXXX ) to my personal account ( Regions ) using my mobile and I selected from the deposit option to be cleared last night and paid the {$3.00} fee requested. With no warning, this morning I see that my check is ON HOLD XXXX XXXX XXXX while the money was taken last night from XXXX account. Basically, Regions Bank is holding my money ( XXXX {$3700.00} ) for 8 days, with no reason and no warning. By the way, the money was to pay my mortgage with Regions Bank. 
This is an abuse and arbitrary action and when I asked where can I write a complain the denied me the information.

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