milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I entered a mortgage loan agreement with Roundpoint Mortgage for a short-term loan on an investment property located @ XXXX XXXX XXXX in XXXX, Ga. When the loan became due, the market did not support selling the property, so i sought a loan modification. Surprisingly, this process took well over eighteen ( 18 ) months, with the lender CONSTANTLY requesting updates on paperwork, e.g. my income, account balances, etc. When the modification was finally offered, it was not based on the amount i had owed at the time the loan expired, but included the months of payments during which the loan had been in abeyance. [ Please note that i had continued for the first 6 or 7 months of the process to send my former monthly payment amount ( in excess of {$1200.00} ), but Roundpoint always sent back my payments, saying they would only accept the full loan balance. The result was that at the time of the Modification Offer, a huge amount had been added to the principal, making my monthly payments HIGHER THAN THEY HAD BEEN BEFORE (! ), and i clearly was not able to make these payments. 
At this point i offered to sign the deed to the property to Roundpoint, but they refused. They said I had to try to short sell the property. Meanwhile, they started FORECLOSURE proceedings. I retained a realtor, and got an offer for the property, but Roundpoint turned in down, stating that the offer must be for {$170000.00} or more. I put the property back on the market, and my realtor obtained a signed contract for the requested amount. Meanwhile, the Buyer relocated to the area of the home, pending CLOSING. [ Please note that foreclosure proceedings ( i believe not in good faith ) had been re-instated ]. THREE DAYS before the scheduled closing WITH THE OFFERED AMOUNT THAT ROUNDPOINT HAD REQUESTED, Roundpoint proceeded with foreclosure!!! This is despite the fact that all along i had agreed to sign the deed to the property over to Roundpoint, & only went through the Short Sale at their request. 
Their foreclosure disrupted the Buyer, cost my Realtor her anticipated commission, and left me with a credit report reflecting a foreclosure which has worked to my severe detriment since the time the foreclosure was entered XX/XX/2016. 
I would like Roundpoint to be compelled to delete the foreclosure. I would like my credit report to show a " Deed-in-lieu '' or some other disposition of this transaction that does not have the significant & severe impact on my credit report & my credit score, I will greatly appreciate any help you can give.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. <P/>Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. <P/>I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.

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 01/16/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am doing an internal review of my graduate student loans and have found that Navient increased my student loan amount through capitalized interest in the amount over {$20000.00} duringa span of 3 years. During this time frame I just graduated school ( XX/XX/XXXX ) and was unemployed until XX/XX/XXXX. I was also not advised of the alternative programs which could of benefited me. My XXXX in XX/XX/XXXX relfected wages of approximately {$18000.00} During the time frame I do not believe Navient had the consumers best interest in heart in mind when dealing with the most economical approach to advise customers against forbearance and deferment. The practices have resulted in my total loan increase over {$21000.00} which I am still struggling to pay off with additional expenses. 

One capitalized interest charge in my account is over {$8000.00}. 

Navient was not transparent in informing me the costs would balloon my student loan payments in excess of {$20000.00} added to the principle. 

My loans under the XXXX XXXX XXXX were as followed : {$26000.00} {$5200.00} {$12000.00} Total amount {$44000.00} : Consolidated to a new vendor : XX/XX/XXXX - payment made XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: Complainant : XXXX XXXX / owner of the House Located at XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX, I live in this house for 25 years, never late or missed any payment with the Company GMAC, During the melt down my house went down in price from {$410000.00} to {$100000.00}, the house received an offered of {$140000.00} but the Bank wanted {$150000.00} no deal from the part of the Bank realtor was still on and no sale came up. The Bank foreclosed with a judgement using unpredictable, questionable and unfair actions. They never gave me the option to modify my payment and never gave me the option for fair mediation or work out program. GMAC is a failed bank, I understand that they went bankrupt and are no longer in business since 2009 however they supposedly sold my property and recovered XXXX dollars from it. How is this possible? Continuation : The Bank hired a Real Estate Company and this Real Estate Company broke in to the house change locks but never took care of the property becoming a problem for the neighborhood after a year then because of the conditions. I have no choice to take the Property back and I had invested in repairs over {$11000.00} to make have way livable but still an about the estimated about {$30000.00} to be done with all the repairs. Estimates ready.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: MORTGAGE SERVICING PROBLEM : My extra principal payments were applied incorrectly toward future monthly payments resulting to more interest earned by the Wells Fargo Home Mortgage. This issue started in XX/XX/XXXX of which I already contacted the servicer XX/XX/XXXX and some corrections were made. However, in XX/XX/XXXX - I noticed that the issue reappear and I again contacted them and they did reversal of misposted principal payments resulting to about XXXX reduction of principal balance. A XXXX was sent to me for XX/XX/XXXX tax filing. However, the account activity was not received until XX/XX/XXXX and upon review of the XXXX pages mainframe screens, there were still few transactions in error. On XX/XX/XXXX I contacted them again and they open a new case for the same unresolved postings. After further review, they corrected the payments again which resulted in a new XXXX. The amount of the interest received in the new XXXX dated XX/XX/XXXX is different from the XXXX issued prior on XX/XX/XXXX that was filed already with tax return. Hence, I am obliged to amend my tax and will be charged by my accountant. The servicer is refusing the assume the fee of my accountant. I feel that due to their errors, they should be responsible for reimbursing accountant fees. Not to mention the many hours I spent auditing the payments - reviewing my payments, statements and all the reversals/posting of transactions. To date there were the previous requests of misposting date of payment XX/XX/XXXX and XXXX/XXXX/XXXX @ {$310.00} and XX/XX/XXXX - {$320.00}. There is also a principal payment on XX/XX/XXXX for $ XXXX and XXXX and XX/XX/XXXX for XXXX that were reversed but appears to have only been applied as {$11000.00}. On XX/XX/XXXX the Principal unpaid balance was XXXX ; on XX/XX/XXXX - it was XXXX. After one more extra principal of {$500.00} and interest payment - the balance in XX/XX/XXXX is {$28000.00} amounting to only {$280.00} being applied. The website customer service application is not able to provide how my money is posted online in amortization table. NOTE : Their system was posting payments correctly prior to XX/XX/XXXX. Anyone who are making extra principal payments to this servicer should review their account activity.

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 07-07-2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I applied for a loan of {$120.00} at the location on XXXX. After a month of deducting charges from my account to pay the interest, I went into overdraft, and each recurring charge for bills, including Speedy Cash, were returned. This continued until XXXX XXXX, when I finally did have money in my account. That day, I was charged {$200.00} by a company called XXXX XXXX. I did n't recognize the company, so I disputed it as fraudulent. It was n't until I contacted Speedy Cash that I found out who XXXX XXXX really is-their affiliates. Furthermore, they refused to refund the money, and XXXX XXXX did not reverse the charge. Then, on XXXX XXXX, I was once again charged the exact same amount ( {$200.00} ) ; this time the charge DID in fact say Speedy Cash. I went back to the location with a copy of my statement to confirm that they had charged me twice, and that I needed a refund. I was helped by a man named XXXX, who emailed my statement to the corporate office in Kansas to have the charges reviewed. Thankfully, the next day, I received a refund. However, I 'm still receiving calls from Speedy Cash, who are now claiming that I still owe them the amount that was refunded, because the charge from XXXX XXXX was returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/2017 I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or around XX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/2017 I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland was written on XXXX XXXX and legal demand was made to validate and prove the alleged debt. They have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In protest, I paid a fraudulent " speed-trap '' fine of {$350.00} imposed by the XXXX County Colorado Court, XXXX XXXX XXXX, Judge. The fine was for a false police radar claim of 44 mph in a 30 mph zone in XXXX XXXX, Colorado. I was travelling 29 mph at the time, but the police radar unit was operated in an RFI ( radio frequency interference ) -zone created by six large neon-type casino billboards located in the narrow valley of XXXX XXXX. The XXXX County Court lied to me about my hearing date so I would not be aware of my appeal date and accepted the false police radar reading as correct ... and imposed a default judgement. 

Since I appealed the above default judgement and delayed payment of my fine, Judge XXXX ordered the cancellation of my Colorado Drivers License and employed the collection form of Linebarger Goggan Blair & Sampson, LLP to collect my fraudulent fine. Since I must travel for work, I was forced to pay the above said fraudulent fine that included court costs, and I did so with a certified bank check, from XXXX XXXX. Linebarger reported to me that they received this check on XX/XX/XXXX but placed a 14-day hold on the check as if it were a personal check. On XX/XX/XXXX, the Clerk of the XXXX County Court advised me that they still had not received any of my fine due to them from Linebarger. In checking with Linebarger that same day, they advised they sent a check to said Court by " snail-mail '' on XX/XX/XXXX. I assume the Court may receive this check on XX/XX/XXXX so the Court can order the Colorado DMV to reinstate my Colorado Drivers License by the following week. 

I object to Linebarger 's collection of fraudulent debt, but this may not be corrected in any way. The error in question is Linebarger 's placing a 14-day hold on my certified bank check as if it were a personal check. This delay cost me time, money, forced changes in my classified training schedule, and added delays in my completing training materials all due to my not having my Colorado Drivers Licence promptly restored. My total damages directly caused by Linebarger 's error are {$750.00}. 

XXXX. For background purposes, I am a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personnel in various parts of the U.S. Linebarger 's above said error acted to delay my travels at least 2-weeks. To confirm my special operations  background, please see the study entitled " XXXX XXXX XXXX ... XXXX XXXX, '' as posted on XXXX ... or check with XXXX.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been sending correspondence to TransUnion since XXXX XXXX, 2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XXXX XXXX, 2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.

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 12/19/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Delinquent account

Complaint: JP Morgan Chase, who manages my Amazon credit card, is calling me every day, at different times of the day, in order to collect a debt. I am working with XXXX to pay off my debt, and JP Morgan Chase has been informed that I am using this service. I 've also asked them to stop calling me. I am setting aside {$200.00} every pay day in order to pay off the debt. The telephone calls are excessive and intrusive and have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Auto debt) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with XXXX XXXX was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GreenSky Trade Credit, LLC (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account with Greensky Trade Credit , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA was established for financing a home repair project via XXXX. I never received a bill for the completed project therefore, I had to personally contact the establishment to inquire. During my telephone conversation with Greensky, I was directly told the specific reason was directly due to an improper mailing address. They further stated that the correspondences had been returned to them a period of five months had elapsed. XXXX financed the project via Greensky. Therefore, there are two addresses listed on all documents. There are a physical address of the property and are my mailing address. These addresses were established at the initially from the onset of financing the construction. I repeatedly asked a representative of the company during my conversation with her why an invoice had not been sent. She justified action due to an incorrect mailing address. Prior to ending the conversation, I was told that an invoice would be mailed. To date, I have still not received the documents. A day after my conversation with the company representative I received an email alert notification of an adverse thirty-day delinquent credit report. In addition, a second adverse repot was listed on my credit report. An individual from the company whom identified as XXXX telephoned and left me a voice message in references to the account. The voice message directed me to return the telephone call. Upon retrieving the message I immediately returned the call. However, I did not speak with XXXX directly but another representative. I provided the reason I was calling and an email for any additional communications. The representative assured me that the message would be relayed and I left a voice message to ensure full communication of the issue. The company still refuses to provide me an invoice and any additional documents but they are being allowed to submit two adverse thirty-day delinquent credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: My wife and I closed XXXX accounts Today and the bank now shows us overdrawn on XXXX of those by a total of XXXX cents. I am sure this is a deliberate attempt to defraud us of fees due to us ending our accounts, plus us complaining about being left to sit in the lobby for a hour as they cut the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!

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