milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Account Number : Select Portfolio Servicing ( SPS ) Estate of XXXX XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX. 

Dear Sir/Madame I wish to raise an official complaint regarding SPS appeal process of the assumption of XXXX. My account was reviewed improperly. 

Background : I requested an assumption for the above loan. The Assumption request was denied on XXXX XXXX, XXXX, based on the Estimate of the Net Present Value of the property of {$390000.00}, therefore the investors would not approve the assumption. If I disagreed, I had 30 days to appeal. On XXXX XXXX, I appealed the notice of denial based on NPV was {$250000.00}, by providing the required documents. On XXXX XXXX, XXXX, I received a letter requesting additional documentation, since property comps must be provided within a one mile radius, which was not clearly stated in the Appeal documentation required. On XXXX XXXX, XXXX I submitted the documentation for property comps within a one mile radius as requested, plus all the other documentation initially submitted on XXXX XXXX. On XXXX XXXX, I receive a notice that appeal was denied, because I did not submit the appeal within 30 days of Notice of Denial date XXXX XXXX, XXXX, which was incorrect. I submitted the appeal on XXXX XXXX. I have called SPS multiple times after receiving the letter and had the case reopen for review on XXXX XXXX, XXXX. 

So what 's the ISSUE? 

During the above process, I have called and I continue to call SPS weekly to attempt to speak with the Customer Advocacy group or someone who is handling the appeal process to discuss my appeal. No one will speak with me or call me back from the customer advocacy group. I was told by the customer service call center they would call me back. NO ONE CALLS ME BACK from the customer advocacy group. From XXXX XXXX, XXXX to XXXX, XXXX, my file has been transferred to multiple people within the advocacy group. The appeal case has been transferred to XXXX XXXX, XXXX XXXX and XXXX XXXX. As a result, my appeal is continuing after 4 months, due to improper review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Citi mortage.lender I am a XXXX % XXXX veteran. In XXXX we XXXX no property tax. My lender took out of my payment put tax money in escrow every month for a few years. At the end of each year they paid the tax collector. Drawing intrest off the money. I contacted my tax collector they went back a few years and sent a check to Citi mortage for the taxes paid in error. I am in a repayment program with citi mortage during this period. Now citi mortage tells me they are going to hold the check from the tax assessor. Until the last repayment is made. Again collecting intrest. This seems to be creative intrested in there favor at my expense. I 'm not well educated even I see them dipping twice and giving my money a ride at my expense. 
XXXX did something similar to me years ago. I did n't ask for help then and wish I would have. This time I 'm asking for help. I need help please 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 10-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I tried to use my debit card on XXXX XXXX but it was declined. I paid cash for my transaction and did n't think anything about it. My paycheck is direct- deposited into my Chase account on or before the XXXX XXXX of every month. I tried to check my account this morning but got a message stating that I needed to contact Chase. I managed to check the balance by phone to find a XXXX balance. So I called customer service only to be told that my XXXX yr old acct was audited and that Chase decided I was no longer their customer and closed my acct. No notice of any kind! I will have to wait 10 days for a letter from them, can not access my paycheck and have several auto- pay bills that will not be paid on time. They refuse to discuss the issue and will not tell me what to do to keep my account open. My credit is going to take a big hit now and I can not pay my bills! I spoke with XXXX from customer service and he told me to stop spending! What was that about? I need to access my money-back money that pays my bills, gets me to work and feeds my family!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

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 06/26/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan was modified by Ocwen Loan Servicing , LLC under the Home Affordable Modification Program XX/XX/XXXX. The modified payments included the loan 's principal, interest and an escrow account, and remained the same until XX/XX/XXXX for the payment due XX/XX/XXXX. This is due to the increase in funds for my escrow account. I was n't notified of this change. 

My escrow account is current. In fact, it had a surplus amount which is supposed to be mailed to me. I inquired about closing my escrow account, and was told that I can not do so because the HAMP guidelines suggests that borrowers ' accounts must be in escrow for XXXX ( XXXX ) years from the date of the modification approval. Is this true? 

Section 4D, Funds for Escrow Items of the executed Home Affordable Modification Agreement state that " Servicer may waive my obligation to pay to Servicer Funds for any or all Escrow items at any time. '' It seem that this statement contradict the information that I was given. Additionally, the executed agreement does not mention a XXXX year requirement period for an escrow account. Moreover, I was asked to google CFPB when I inquired about the HAMP guideline on the XXXX year escrow account period. What is CFPB 's relationship with Ocwen Loan Servicing LLC when it comes to my escrow account? 

Do I have the legal right to request Ocwen to close my escrow account? The loan account is in good standing, and the amount that they are now requesting to fund the escrow will cause financial hardship. Please advice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: At the beginning of the 2016 tax year, specifically on XXXX/XXXX/16, I opened an HSA account with People 's United Bank ( PUB ). At the time there were paper statements, no service charge and no minimum balance requirements. During the 2016 tax year, specifically effective XXXX/XXXX/16, PUB imposed a {$1000.00} minimum balance requirement and $ 2 monthly service charges for amounts below {$1000.00} and for paper statements. I can contribute a maximum of {$4300.00} to the HSA. For any distributions the total of which exceeds {$3300.00}, a likely occurrence, I will be penalized with the $ XXXX monthly service charges. That adversely affects the supposed tax advantage of HSAs and discourages their use in violation of the public policy established by Congress.. To impose such penalties at all is unacceptable and to to so during the tax year is even more unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient has violated the Fair Credit and Reporting Act by continued aggressive collection activities and harassing calls even after I submitted a formal debt dispute letter. After they received the letter they did n't respond addressing the required area and just sent me the promissory notes for my XXXX loans. The dispute is around the material change in loan terms, their ability to collect the debt, and even validating they own the debt. 

They did not adequately address the dispute letter and are in violated federal law by continued collections.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother had to go to an XXXX XXXX facility in XXXX or XXXX. She threw away all of her paperwork ( insurance, loan, etc ) I did not know until she was very ill that she had a reverse mortgage. XXXX bought her loan from XXXX XXXX XXXX. I have a POA and I have been asking XXXX for documents, contracts and a loan history since XXXX of last year. I finally received paperwork in XXXX of XXXX and two days later was informed they are starting to foreclose on her house. Her contract with XXXX XXXX XXXX says the non-occupancy agreement is for 12 months. I believe it should be 12 months from the date I finally got documents. There is more to the story like they did not assign an individual to help me. Also I believe they changed the original contract she had with XXXX ( concerning occupancy ). I understand from a XXXX counselor and my real estate person that XXXX wants not only what they are owed but the equity in my moms home. She is absolutely and totally XXXX. I just want to get my moms house sold so I can take care of her. I am at wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2015 about Mortgage (Conventional fixed mortgage) with ASTORIA BANK (NY).
Issue: Settlement process and costs

Complaint: My home mortgage was transferred from XXXX XXXX Mortgage Loan no. XXXX to Astoria Federal Savings XX/XX/XXXX. The release of lien document from XXXX XXXX Mortgage XXXX XXXX XXXX was never sent and recorded at the XXXX XXXX recorder 's office where the property is located. Therefore 16 years later XXXX 's name still appears on the title to my home. 
XXXX filed for bankruptcy XX/XX/XXXX and was acquired by XXXX XXXX which was then bought over by XXXX. Astoria Bank has attempted to trace this missing assignment ( release of lien or mortgage satisfaction document ), but have be unable to do so. 
I have spoken to my land records department here in XXXX XXXX NY where my home is located. They have suggested that Astoria bank file an Affidavit of Lost Assignment with the XXXX recorder 's office since they were unable to locate the missing assignment. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Ph XXXX XXXX XXXX. So far, Astoria bank has refused to file the affidavit citing they are not authorized to do so. They have collected my mortgage payments for the last 16 years without every informing me that there was an issue with recording the mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is reporting three accounts on my credit that do not belong to me. Two of the accounts are under the company " XXXX XXXX '' and the third account is under the name " XXXX XXXX ''. The account numbers are " XXXX '', " XXXX '', and " XXXX ''. I have sent disputes to delete these accounts from my report on XX/XX/17, XX/XX/17, XX/XX/17 and nothing has been done to properly address my concerns. I have only received generic letters from the bureau telling me the information has been verified and that I need to call these companies. I am filing this complaint because I have already spoken to these companies and they can not pull up records that match my personal information. The credit bureau is placing other persons ' accounts on my credit and it is most likely due to my common name. I am not the XXXX XXXX who opened these accounts, I do not have unpaid debts with these companies and I have never received any bills or mail from them in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Hello how are you doing? Fine I hope. Im sitting here soooo confused. Ive been trying to dispute some inaccuracies on my credit report but for some reason Ive been getting nowhere. I think my proof of my identity may be an issue. Im just lost because I feel like Ive exhausted all options to get this cleared up. Can you take a look at these accounts for me please? I would appreciate it. 

I see several medical accounts being handled by XXXX XXXX XXXX. Do you know that theyre operating under an inactive license? In the state of Louisiana this is illegal. Please remove these accounts. 

2. XXXX I have never done buisness with not have I been contacted by this company. 

3. XXXX XXXX Please furnish me with a medical release form Im sure Ive never given this company permission to access my medical records. 

4 XXXX XXXX XXXX This company is reporting inaccurate and misleading payment information. Please remove this account. 

5. XXXX XXXX This company has made a mistake. I was never late. 

6. XXXX XXXX XXXX This account is reporting several inaccuracies.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have sent more than  XXXX  letters to Portfolio recovery, asking for VALIDATION bearing MY SIGNATURE of a debt for the amount of {$470.00}, made pursuant to the Fair Debt Collection Practices Act. I do n't have any debt with this compa ny nor any contract with them. Portfolio recovery keep sending letters that they VERIFIED the debt but failed twice to provided me with my Signature as VALIDATION of the debt they say I owe. Last letter they sent was for a settlement and still no VALIDATION of this debt bearing my signature. They marked on my credit report " Dispute Resolved '' which I do n't agree. I could n't get a loan for a house because of this damage to my credit. So for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I 've been keeping records of all documentation between Portfolio Recovery Services and me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My in-laws passed away on XXXX and XXXX, respectively. Shortly after my mother-in-law passed, when my wife ( her daughter ) and I went to settle her affairs, we discovered she had an outstanding home equity loan with Chase Bank, among other debts. Although we were able to quickly and painlessly settle all of their other debts, after more than 5 months of trying we have been unable to persuade Chase to permit us to pay the outstanding balance. Instead, they continue to send foreclosure notices addressed to my wife 's dead mother, and most recently had a note posted on the door threatening to break in and change the locks. When we originally contacted Chase in XXXX, we faxed them both death certificates. They then removed my father-in-law 's name form the loan, but proceeded to send my mother-in-law foreclosure notices, despite us calling them multiple times and even once showing up in a branch with a check made out to them in innumerable repeated attempts to pay off the loan. Several weeks ago, they finally sent us a Third Party Request, which we returned asking to be authorized to speak on behalf of my dead mother-in-law, that they " continue to review '' while they continue to drag their feet and inexplicably refuse to take our money, all the while interest and fees continue to accrue. The repeated threatening letters to my wife 's dead mother, and the threatening notice stuck on the front door today, combined with the inexplicable refusal to accept payment, seem at best to be an attempt to extract additional interest from the loan, if not to outright seize the property.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I use an app callled   XXXX   XXXX   it 's kinda like a payday loan but you pay what you think is fair and they recommended I report an issue with my bank not sending updates often enough or in timely manners in order for my account to be update. It 's not up to date. It 's alwa ys 4-6 hours behin d

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 01/18/2017 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The student loan was initiated in XXXX separate years XXXX & XXXX Repayment started in XXXX Their are XXXX separate loans, same account number.. Problem.. Company constantly applies both payments to XXXX loan.. another XXXX school loan taken out in XX/XX/XXXX..different amount : same account number.. Payments of initial loan, often is applied to later loan.. @ XXXX loans paid monthly by check : third loan paid for on line ... Results of this? .. referral to collection agencies, letters ( XXXX in XXXX alone ) .. drop in credit score. Have attempted to correct problem Numerous times ( @ XXXX, yes XXXX ) with ZERO success

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (DE).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Received unsolicited XXXX with activation instructions at residence on XX/XX/18. Appears to be a legitimate card. Have not applied for any additional cards from any banks in over 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage but my escrow balance has not been returned what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Twice this year I had a " mixed file '' issue with another person resulting in a sudden drop in my XXXX XXXX. I was told that " further research '' was needed to prevent the issue from happening again and that I should have been contacted after the first case. I have received no correspondence regarding the root cause of the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Vehicle loan or lease (Loan) with PNC Bank N.A. (SC).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX in XXXX, NC to trade my vehicle in for a used SUV. My credit was pulled, and the score was what I believe to be good ( XXXX ). I received letters from 2 different banks today denying me credit for reasons listed that are not true for me, including 'repossession, lien, judgement, delinquent accounts ', etc. NONE OF THIS IS TRUE. I have never had a vehicle that was repossessed, never had a lein put on me, and none of my accounts are delinquent. I 'm very confused and worried about what might be going on, including someone stealing my identity. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The original transaction was with XXXX as evidenced in the enclosed documents. XXXX funded the transaction and the debt was owed to XXXX XXXX. However, upon completion of the transaction and subsequent attempts to contact XXXX, I discovered XXXX had ceased operations and had been indicted for fraud by the Federal Trade Commission. 

The debt has now passed the statute of limitations for reporting and for legal pursuit of collection in my home state of Texas. I demand removal of the record of this debt from my consumer credit report and cessation of collection activities by Monterey Collection XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation