milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: I short sold my property on XX/XX/XXXX. During or prior to receiving the sale information, XXXX, acting as Attorney-in-Fact for XXXX XXXX XXXX, submitted a motion for summary judgement ( with a fraudulent affidavit ). XXXX XXXX XXXX approved this judgement with judicial sale date of XX/XX/XXXX.  This date has been changed a few times and is now scheduled for XX/XX/XXXX. After I submitted a previous complaint to the CFPB on XX/XX/XXXX ( XXXX ), my attorneys received the short sale approval letter from XXXX on XX/XX/XXXX. After complying with their requirements for closing, they included an affidavit which required buyers and sellers signatures. I have attached the affidavit here, The 2nd paragraph has a line saying '' the servicer ... .agrees to accept less than the amount owed to resolve its Loan ( pursuant to a separate agreement between the servicer and the seller ). I do not have any separate agreement. Also, in # 10 on this affidavit, '' each signatory to the affidavit agrees to indemnify XXXX and the investor ( supposedly XXXX XXXX ) for any or all losses resulting from any negligent or intentional misrepresentation including, but not limited to repayment of the difference between the amount owed on the loan and the discounted amount payment. '' I questioned why I do n't have the agreement they referred to in the second paragraph and why # 10, they were referring themselves to XXXX. They now have told my attorneys they will change the wording so it will say XXXX as attorney-in-fact for XXXX XXXX XXXX. I still do n't have the agreement that was referred to, which I believe would be the release from liability. Now the buyers have been waiting since XX/XX/XXXX to close, we were ready last week-I had the home checked by the water department as required, paid the XXXX but XXXX will not provide the release from liability. The scheduled judicial sale is XX/XX/XXXX. If they ca n't provide a release from liability, we ca n't close on the house. I believe they are stalling again or plan to come after me for the claimed deficiency once the short sale is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I became behind on my mortgage payments due to several reasons. PNC Mortgage kept sending payments back due to lack of full payment for all that were due. I contact a law firm and they stated they would help. I paid them {$1300.00}. Once that was done they collected pertinent documentation needed by PNC. After the Law Firm spoke to PNC they stated they would be willing to do a Mortgage Modification with a payment Trial period. The law firm then stated they will withdraw from the communication and let me deal with the bank. The bank agreed to let me make trial payments but all the while asking for continuous and duplication of paperwork that was already given. In the meantime the law firm had closed their file and sent it to PNC. I made the first trial payment for XXXX/XXXX/16, by walking it into their branch on XXXX/XXXX/16, which is attached. After following up with the Loss Mitigation department, they stated that my agreement was null and void because they had received financial information from the Law Firm. No where in the agreement does it state that this would happen. All the while foreclosure processing was going forward but the agreement stated if I made the payments ... ... No Foreclsoure Action would happen ... ..I received notification that the Lis Pendens was filed on XXXX/XXXX/16 and papers were served to us on XXXX/XXXX/16. In the meantime our payment that was made for the XXXX XXXX, 2016 payment was refunded via mail. I called PNC Loss Mitigation and they said the previous agreement was null and void and they would have to start a new process to see if we qualify for a modification. After several months of sending information and confusing instructions by several individuals I am writing to you. Please help me save my home! This ca n't be the way Banks can conduct business! Consumers are held to a higher level than banks? All I want to do is pay them what I owe them and continue on. I filed a 45 day extension and now I get served that I have to go to court. Will the court side with the banks? I talked to another attorney and they said a term called " Dual Tracking '', I looked it up and showed that this is way for the banks to prolong the process while the attorney puts your home in Foreclosre.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have contracte d Navient for over one yea r. I lost my   XXXX   XXXX   in  XXXX  of  2016 . I sent confirmation of this and my  2016  IRS approved  XXXX  and my current income. Navient has not offered ANY assistance and continues to send me past due communications. They list my current monthly bill at {$950.00} which represents over 89 % of my discretionary income. I have been paying {$240.00} which is above the 15 % max. allowed by law on my loans and have been making monthly payments for over 28 months straight. I will be  XXXX   XXXX   XXXX  in  XXXX  and have contacted the  Attorney Generals Office ( which has a current law suit with Navient ) because of the same issues I 'm experiencing. This company has no desire to work with any of its borrowers. They push you to take a 45 day forbearance which is nothing more than a bandage on the issue- not a solution. Navient does not honoring or even entertain " the income based repayment options '' offered by the Department of Education ( which I have filed and sent the back up documentation to Navient - twice - ( which they ignore ). I would greatly appreciate your help in getting this Loan provider to follow the current laws and options on student loan rep ayments.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 1st Franklin Financial Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1st Franklin Financial has a hard pull on my credit report when in fact I have never applied for a loan with them. The hard pull shows on my XXXX Credit Report which shows a fair credit rating because of this and does not show on my XXXX Credit Report which shows a good credit rating.

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 07-06-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Fraudulent charges on atm card, bank wo n't work it out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was affected in the XXXX Equifax security breach, leading to several days ' worth of annoyance and unnecessary XXXX about the potential threat of identity theft. Although I have taken all possible steps to avoid issues from this breach in the short term, this data breach will continue to affect me for the rest of my life, as my personal information can not be " taken back '' once it 's been released into the public.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these acccounts nor did i use 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 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion XXXX and XXXX  are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/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 03/15/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: applied for a modification twice and twice denied. The first denial according to their loan specialist was because the house did n't appraise for their drive-by perceived value. Appealed their decision, the second time it was because the income was not correct and I believe the house value. An independent appraisal stated that the value was $ XXXX more than their stated value. They are now saying that the NVP is negative, but in speaking with professionals in the real estate area, none have heard of any lender or servicer using this as a tool for a modification. This supposedly is used for income property to determine cash flow. This is a single family home.They are also using something called a mock NVP which no one has heard of. I have asked them to explain, but nothing as of this date. They have also used old income stats for this evaluation even though I have told them the income has changed from XXXX to XXXX. I am not sure what type of game this servicer is playing but it is not ethical. Nationstar is the servicer. And while they did provide a dedicated loan specialist, she was many times uninformed and did n't get back with us in a timely manner with answers. And they repeatedly stated they did n't receive information that was either faxed or submitted thru XXXX. Thus I figured using a third party would be a verification of information sent. Please let me know what I can do at this point or where I should go for further assistance..

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: WAKEFIELD COLLECTION/CHARGEOFF Other {$120.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Remarks Placed for collection.

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 10-06-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted LoanCare Inc. regarding a late added to my credit report. The loan was paid off and according to one the agents, " there XXXX departments often have a delay in updating pay offs ''. I was told that it would be corrected since I was considering using them for my new loan. I decided to go with a different lender and I called for a status and was told that I now needed to file a formal request to have it corrected. I requested the XXXX # and name of the person I was speaking with and told simply his employee # and last name which I am certain was fake as generic as it was. With all of the mortgage regulations I would expect that this does n't happen anymore. 
The company again is LoanCare llc and the person that refuse to provide information was XXXX # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with NVR INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: I signed an agreement to purchase a new construction loan from a builder. The builder has an associated lending company. I decided to shop around for a better mortgage and found a great rate with the same bank that services my checking and savings accounts. However, the builder claims to provide a significant incentive to use their lender. On the associated lender 's GFE for the loan, it shows that I would be responsible for the traditional XXXX % of transfer taxes and then shows a much lower seller credit than the claimed incentive. When I asked about this, the associated lender explained that the majority of the incentive is applied to the portion of the transfer taxes traditionally paid by the seller, then the remainder is applied as a seller credit. I took this as a marketing tactic and brushed it off. When I presented the builder with the loan estimate from my bank, they said that it was a bad deal and that I would miss out on the incentive and would have to pay the full transfer taxes if I proceeded. I think that this is a very deceptive practice and I do n't feel comfortable being strong-armed into paying more by using a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a account a medical bill on my credit report that services was giving to and they have me as responsible for someone that I dont even know .. This account does not belong to me and I dont know who the other person that the services was giving to but I need this removed from my credit report cause this account does not belong to me and I am not held responsible

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 01/26/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OH).
Issue: Money was not available when promised

Complaint: I transferred by wire transfer on XX/XX/XXXX, XXXX to Coinbase.com to be able to buy bit coin. The transfer was executed correctly by my Financial institution according to the directions on their website and it was received by the beneficiary bank, XXXX XXXX XXXX. It has not been applied to my online account and when I tried to call coinbase they do not take human calls and require an email to discuss the issue- after several tries to reach them I spoke to a person named " XXXX '' in the fraud department and he sent me email on XX/XX/XXXX saying he was working on the issue. When I emailed back to check status onXX/XX/XXXX I received a automatic reply that the email address I was given no longer accepted direct emails and I still do not have my XXXX back. I called XXXX XXXX and they said the money would be in Coinbase 's account and that Coinbase would have to release it back. They will not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I had a vehicle that was totaled in an accident. The after the insurance paid and the warranty refund was received by Ally, they filed for the Gap Insurance payment to cover the balance. I received a paid in full letter on XX/XX/2017. After that on XX/XX/2017, I received a second letter demanding {$370.00} that they said I owed as a balance. I contacted them immediately and spoke to XXXX ( ref # XXXX ) and disputed the claim - letting them know that they filed GAP and provided a paid in full letter. She agreed and said she would investigate and contact me back within 24-48 hours. No one ever called me back. In the meantime, I am purchasing a home and have a mortgage approved based on the pay off of this loan. My credit report reflected the XXXX balance but on XX/XX/2017, Ally falsely reported that I now owed {$29000.00} on this same account. I called them ( today XX/XX/2017 ) and spoke to XXXX XXXX reference # XXXX XXXX. He stated he was sorry for the issue and agreed that I did not owe Ally {$29000.00} on this or any other loan. However, he stated he would need to look into and will get back to me. He had no explanation for why XXXX did not contact me. At this point, it must be removed from my credit report or I could lose my approved mortgage loan on my new home. This is a clear violation of the FDCA. I 'm livid that they can do this to someone - especially when we cooperated fully after the car was totaled and all payments to them were timely. Please help me! I have copies of both letters from them - the paid in full and then subsequent demand - along with a copy of the portion of my credit report that shows they falsely reported an amount due on this account that is NOT due.

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 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I had contracted a local    XXXX   XXXX   XXXX   (   XXXX   XXXX   )    in   XXXX    2016 to do some interior and exterior work on my house. I paid him with a credit card, issued by Chase, supposedly to be protected by the illusionary guarantee, provided by the bank. The workmanship and materials are of such a low, substandard quality, that six months later, there are visible gaps and cracks, bathrooms need to be re-caulked and re-grouted, exterior columns show cracks, etc. I have filed a complaint with Chase and they initially gave me credit for the shoddy, substandard work. I have provided them with all pertinent documentation, when they needed it. The contractor  disagreed and finally, Chase reversed the charges on frivolous pretexts. I had provided Chase with a written estimate by a screened and vetted contractor, registered with  XXXX . Chase rejected his estimate on a whim, saying they needed an estimate, written on " letterhead ''. I find this extremely pretentious, concocted and contrived, as building contractors are good at fixing houses but they should not be expected to come up with some fancy letterhead and logo to satisfy some frivolous demand!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Advertising and marketing

Complaint: I received an application for the American Express Platinum Card in the mail ( RSVP XXXX ). When reading the fine print for access to XXXX, as one of the benefits, the AMEX advertisement under " Additional Disclosures, Number XXXX '' makes this statement " The Card Member 's spouse and children under the age of XXXX or up to XXXX companions may enter the club as complimentary guests. '' Per XXXX Access and Policies ( XXXX ), it states : " Platinum American Express cardholders may enter the club with up to XXXX guests for an additional fee. '' That fee is {$29.00} per guest. This policy was last updated on XXXX XXXX, 2015. The AMEX policy was last updated in XXXX 2015. 

These XXXX advertisements are in direct contradiction. The AMEX advertisement fails " Truth-In Advertising Laws '' established by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (I do not know) with ERC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: the company ENHANCED RECOVERY CORP is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Had a credit check and found out there are XXXX accounts that should not be on there.XXXX are from XXXX, 1 they have no record of, 2 is for a address i have never lived at and the 3rd is from a doctors office that should have sent it to my insurance company but didnt.What is the fastest way i can get these taken off, XXXX said it will take XXXX45 days, even after comcast got ahold of them.Does it really take that long?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IA).
Issue: Loan modification,collection,foreclosure

Complaint: I have XXXX properties that I currently have mortgage with Ditech mortgage company. One of the properties have interest rate of 5.5 % and I ask them for help to reduce my interest rate and the are not willing to do that, and keep adding late charges last year ask them to waive late charges they refused. 

On the second mortgage, I have been informed that I do not need to have mortgage insurance, due to the facts that I owned more than 25 % of he property, but they refused to reduce my payment and I am still paying for mortgage insurance, that by law is not required, also ask them to waive late penalties, and they refused. 

I am XXXX years old and do not have funding to hire attorney. Please help. 

Thanks

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