milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have been pursuing a short sale on a house we own. The interest-only period adjusted on our property, and we can no longer afford the mortgage. The value of the house has depreciated to the point that it is not worth near what we owe on the house. We started the process in XXXX XXXX. We have a buyer who is willing to pay the full amount our real estate representatives calculated was a fair market price. After having all the paperwork together and all financing prepared by buyer, the mortgage changed hands from XXXX to SLS. After resubmitting everything and being very diligent with the paperwork, the closing date was moved three more times by SLS because they were not ready. This caused my buyer to re-secure financing because her original agreement expired. More inspections and appraisals followed until everything was ready by the buyer and, we assumed, SLS. On Monday, XXXX XXXX, XXXX, SLS informed me that my short sale had been rejected by the PMI provider. My real estate attourneys informed me that I needed to file an appeal. I contacted the PMI provider, XXXX XXXX, and they informed me that they did not reject the short sale, they actually accepted it with an {$8200.00} promissary. I contacted SLS about this and they did not have any record of this on file. After contacting XXXX again, and talking to another representative, they confirmed that they talked to an SLS rep named XXXX XXXX and told her that they accepted the offer with the {$8200.00} promissary. Rather than recording this offer, SLS closed out my short sale file Monday morning. This is not acting in my best interest. I would have been very receptive to this offer rather than having to start the whole short sale process over again. My buyer has been waiting around for over 8 months now, and I am in danger of them just walking away. This would result in me probably losing the house to foreclosure. At this point, we are desperate for help. SLS is not doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. They had a good offer that they refused to notify me about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed an ac count, held by the U.S. Department of Education, being rep orted on my  XXXX  and Experian credit reports multiple times ( mostly recently on   XX/XX/XXXX  )   without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with the  U.S. Department of Education  on    XX/XX/XXXX      and as of this writing,   XX/XX/XXXX   ( more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed a s  XX/XX/XXXX , but  the  'Date First Reported '  is listed as   XX/XX/XXXX , a nd at that time they claim the account was already in collection status. Neither the   U.S. Department of Education   nor  XXXX  or Experian have provided me with the 'Date of Default ; ' therefore, this account has not been proven to be mine, nor should it be listed on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: We purchased our home in  XXXX . In  XXXX , we took out a home equity loan with  XXXX . In  XXXX , at the height of the financial crisis, our business experienced catastrophic losses. We asked to make partial payments and were denied. However, we were offered and approved for a loan modification, which we paid on time every month. Suddenly, our lender, which is now  XXXX    XXXX    (  who acquired  XXXX   ),  breached the agreement and asked for all payments in the former amount combined with fees and penalties due at once. We obtained legal assistance to fight for our rights and finally in  XXXX , they withdrew the lawsuit. Our home has been underwater since  XXXX . We have been trying to resolve this for almost 9 years.   Then, in  XXXX , they filed for foreclosure again and we filed against them on statue of limitations. While our case was being considered, the  XXXX   XXXX   Court of appeals  demolished statue of limitation laws in  XXXX  states. Texas now has no statute of limitations on foreclosure. They can foreclose until the end of time. In  XXXX ,  XXXX  started foreclosure again.   We applied for another loan modification and were denied and received a letter that we were not eligible because we were over 90 days delinquent. The other reason is that they could not reduce our payment by 20 %. What does that mean? Our original loan was {$680000.00} and now they say we owe {$1.00}  XXXX . The house is still underwater and we can not sell it for $  XXXX . Even though they are supposed to help home owners who are underwater with some of the  XXXX   XXXX  in fines levied by th e US  government, they have told us they will not help us.   There is no t one person at Ocwen, who is the agent  for  XXXX   XXXX , who has any authority to make a decision other than foreclosure. How in this great country, can we allow a foreign entity doing business on our soil not to follow the laws. And, the loan servicer is  Ocwen  and I can not even begin to list the abuses we have suffered at their hands. As senior citizens, we will never recover from this financially and  XXXX  and  Ocwen  get off without any agency or th e U.S. Department of Justice able to make them follow the laws. Ocwen is in trouble again, but they continue to break every federal law created to protect home owners. Ocwen has broken every Dodd Frank law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Student loan (Non-federal student loan) with SUNTRUST BANKS, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Suntrust Bank acquired several fraudulent student fin'l aid loans in my name. They refuse to discuss these with me and provide chain of possession information about 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 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received my citicard statement and noticed that the previous month 's balance had not been paid. I checked my checking account statement and saw that a payment had not been made for the previous month. I called citicard that I did not recall receiving the credit card statement. I told them that I would pay the entire balance but would like the {$25.00} late charge refunded. I was told that the computer said that I was not eligible for a refund. When I asked why, they would not tell me. Only that the system said I was not eligible. I had never been late before. I had always paid my balance in full, which may have been the problem in that they did n't make enough money on me. However, I feel that I was owed an explanation as to why my request for the refund was denied. I understand that a company will generally refund a late fee one time. Since they refused to tell me why my request was denied, I have no way of knowing the basis for the discrimination in my case. I have since paid the card balance in full and my card has been cancelled.

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 09/21/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The debt was purchased and sold by multiple debt collection companies. I called the original creditor whom I owed the debt to originally and they gave me a number. They no longer hold the debt. I called and the number gave me a number because they no longer had the debt. I called 3 different numbers.This company recently aquired the debt. I have intentions to pay the debt but this is the first time I 've learned who I owe the debt to since the original loan was made. I received no calls or mail regarding the debt from 2014 until now. In 2 years I assumed it was discharged or written off by now. No it 's not on my credit report either. Anyway I verified who I was when they called and I asked for them to mail me a copy. That was 2 weeks ago. I got a call today demanding payment. I said without that paper I was n't paying and giving out payment over the phone. They emailed the copy. I said no good. I want it postmarked. I do n't want to be victim of scam or fraud. They call me multiple times demanding money and threatened court and jail. After I got off the phone a fake person called and pretended to be an investigator demanding I pay in 24hrs before law arrest me at home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Reinserted previously deleted information.Experian credit reporting has reinstated XXXX that was once removed from credit report.

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 04/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After XXXX XXXX transferred my loan to Navient, WITHOUT MY PERMISSION, Navient has not allowed me to access my account. I 'm locked out and there is NO HUMAN CONTACT OPTION AVAILABLE BY PHONE! I can not unlock my account at all. 

Navient needs to return my loan to XXXX XXXX and be barred from XXXX Loans if they are not going to let people access their accounts. I did not give them permission to lock my account, making what they did a CRIMINAL HACK. 

Please get Navient out of the business and send my loan back to XXXX XXXX! 

If you do n't remove my account from Navient and send it back to XXXX XXXX, I have NO WAY to interact with them, meaning that ALL of my loans through them should be nullified completely. Heck, they should have been forgiven because I was a teacher in a at-risk, inner city school for more than a decade but that program excluded me because my loans were too old. 

PLEASE GET RID OF NAVIENT!

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with U.S. BANCORP (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Contacted USbank Employee Staff ; XXXX, XXXX/XXXX/XXXX because USbank website DOES N'T allow complaints. USbank denial & refusal to resolve ACCOUNT FRAUD & EMBEZZLEMENT of my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Called US Bank ; XXXX, Spoke to US Bank Employee ; MEAN/HATEFUL OLDER WOMEN, She was n't grossly incompetent, She was DELIBERATE in HER ACTIONS to SEIZE OVER {$150.00} ( One Hundred & Fifty Dollars ) of OVER-PAID CREDIT CARD PAYMENTS with False UnTrue Statements. 
US Bank Supported the Confiscation and Seizure my REFUND DENIED TO ME. 
US Bank Employee ; MEAN/HATEFUL OLD WOMEN, Disgruntle, Argumentative, Distorted the Facts, and made False Allegations ... She was Typical US BANK Bureaucrat. ( see attachment Letter )

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 01/19/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I live in XXXX. I own a rental property in XXXX, XXXX. Over a year ago, I was not able to pay the mortgage due to increases to the taxes and insurances. I have tried all that I know to do. 
I tried to get a remod on the house. I have tried to get a deed in lieu. To no avail. every 3 months when I think we are about to resolve the issue, they change representatives and I start all over with getting them information. In the case of the final situation, they seem to have lost my information. When I re-sent the information to them, I did not hear from them so I am at a lost as to what other procedures can I follow. My mortgage is just collecting more and more debt and I need a decision to be made now. It is constantly hurting my credit in more ways than one. I need a path to settle this situation once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015, I received a collection notice from National Credit Management Mid-South XXXX XXXX for an alleged debt owed to XXXX College in the amount of {$200.00}. However, after checking with the Student Accounts office at XXXX XXXX XXXX " the College '' ), I determined the amount was to be billed under a third-party billing agreement with the College and therefore is not my individual liability. Therefore, on XXXX XXXX, 2015, I requested National Credit Management to provide validation of the debt as provided by the FDCPA and for an accounting of the debt. I 've received no response to my request. However, after checking my credit report, I noticed the debt was reported to all three major credit reporting agencies. National Credit Management is reporting a non-validated debt on my personal credit report causing damages to myself in terms of my credit score, personal reputation, and business relationships.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Equifax was hacked on XXXX XXXX 2017 and provided 143 million US people 's information including Social Security numbers, passwords, addresses and date of births. This information could be used for identity theft. It took over 5 weeks and Equifax 's response is a site that is an unsecured wordpress which should not be trusted with confidential information. I can not use that site to find out if my information is now available to criminals, and it 's unacceptable that the information was leaked, it took so long to respond or how they have handled it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I open an account with XXXX with medical protection however, I was not able to pay because of medical issues. After a period of time I paid off the account in full thinking I was covered from bad credit reporting however, I was told my account was sold as a bad debit. I disputed the account with Equifax because it stated that I was charge off XXXX balance however, in my dispute I request that they change the reporting to paid charge off! they refused. I do try to pay all my bills even charge off ones. This is causing me points on my credit score for no good reasons. I personally believe they sold my account to keep from paying for medical protection.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In my previous complaint Equifax states " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX XXXX and/or XXXX XXXX XXXX are not reporting on the Equifax credit file. Written confirmation has been mailed to you. " This is not true as of XXXX/XXXX/2016 as the item still is being reported on my equifax credit file per the attached screenshot of my Equifax credit report. 

Their original statements do not match their action.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Payday loan, title loan, or personal loan (Title loan) with Real Time Resolutions, Inc. (GA).
Issue: Can't contact lender or servicer

Complaint: I got a personal loan from XXXX in XXXX allowing a lien on my XXXX XXXX XXXX. When I registered my car in North Carolina, XXXX received a copy of the title. In that state, the non-lienholder does not receive a copy of the loan. 

When I moved to Georgia in XX/XX/XXXX, I put down XXXX as the lienholder to contact for a copy of the title. XXXX never responded because they sold the loan to XXXX. Since I was notified in XXXX, I have been trying to get XXXX to get a copy of the title from North Carolina as directed by their DMV. 

Now at the end of XXXX, XXXX sold the loan to Real Time Resolutions. Since early XXXX, I have requested a copy of the North Carolina title or for this entity to request a copy. They keep saying they will send it, but never send it. It appears they have a copy of an old Maryland title, but not North Carolina. 

I am about to run out of time for my registration. My DMV refuses to allow me to renew my registration without a copy of this title. North Carolina can confirm that XXXX is on the title, but can not release a copy to me. 

I am not even sure if the lien was properly transferred to XXXX and now Real Time Resolutions. However, they are not responding to the DMV or myself concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that XXXX and Equifax update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Advertising and marketing

Complaint: Dear Sir/Madam I purchased lot of item through Discover Deals cash back promotion.Below are the items. I called them multiple items. Every time I call them they promised me that i will get cash back on next statement. I wasted lot of time ( lot of hours ) talking to them. They should have automatically tracked but they deliberately not giving cash back thinking that most people does n't bother to call and get the cash back. I believe there is a systematic fraud happening here. 
XXXX XXXX XXXX Order # XXXX - {$250.00} XXXX XXXX XXXX Order # XXXX - {$170.00} XXXX XXXX XXXX Order # XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA - Order # XXXX - {$100.00} XXXX XXXX XXXX Order # XXXX {$32.00} XXXX XXXX XXXX order # XXXX - {$24.00} XXXX XXXX XXXX XXXX # XXXX - {$81.00} XXXX XXXX XXXX XXXX # XXXX - {$15.00} XXXX XXXX Order # XXXX - $ {$10.00} XXXX XXXX Order # XXXX - {$39.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, XXXX My sister and myself went in a XXXX store located on so that I could pay for a phone ( unlock ) I was using on her account. I payed XXXX to have the phone unlocked, so a day after the transaction I got an email that said the phone could not be unlocked. Again I summited to have the phone unlocked and again I was denied. So I called XXXX directly and I was told they was not going to unlock the phone until my sister 's account return to a zero balance. So asked for a refund of my money and XXXX told me that, they was going to take my money I used to unlock the and apply it to my sister 's account. Under no circumstance was I going to get my my money back. The same day I called Bank of America to have them retrive my money. BoA put a credit on my account while they work on my claim.The following month on XXXX XXXX, XXXX, I payed XXXX ( XXXX ) again to unlock my phone because my sister 's account was at XXXX. Unknown to me BoA has not resolved my dispute and now they want their credit to my account back.And the first response from BoA was that XXXX has giving them proff of services rendered, but phone was still not unlocked. So I 've given BoA the emails that show that XXXX did not unlock my phone when I payed them the first time in XXXX. Now BoA is telling me that they can not get my money back from XXXX myself.

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 08/28/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Mortgage - they were over charging me for escrow on property tax. Overcharging me in excess of XXXX a year. I contacted them and they promised to correct it and send me a refund. I was told it was handled. So I started paying what I thought was the proper/adjusted mortgage payment. As a result they charged me with " late payment '' with fees and it showed up on my credit report. This has been a negative mark on my credit. Finally after repeated calling they did take care of it and issued me a refund for overpayment. They never removed the credit errors of " late payment ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX XXXX $ Original creditor name : XXXX XXXX XXXX Placed for collections XXXX XXXX XXXX I have never had XXXX XXXX XXXX I contacted XXXX XXXX systems and they ask for my social I did not give it to them I gave them basic info and they said based on the info givin they was not able to pull it up. 
I found out about the collections on XXXX XXXX

Company response to consumer: Closed with explanation