milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is an addendum to claim # XXXX XXXX XXXX XXXXSLS purchased my loan from XXXX on XXXX/XXXX/XXXX Once again they will not speak with me regarding my loan - My daughter and I went on a XXXX party call to SLS and we weretold unless they receive XXXX party authorization form signed we can not do anything. 
My daughter who is a Real Estate Agent went online and printed another formand we faxed to SLS - during our brief conversation with SLS I stated all thepayment information they have on file is incorrect - they say I paid no paymentsand I paid every payment due SLS - the only payment unpaid is on XXXX would not speak to me and I paid XXXX extra on my additional paymentsto make up for the XXXX XXXX payment. On Friday, XXXX XXXX XXXX XXXX I received aletter from SLS stating on XXXX/XXXX/XXXX MY HOUSE IS GOING INTO FORECLOSUREBECAUSE MY PAYMENTS HAVE NOT BEEN PAID SINCE XXXX/XXXX/XXXX - I PAIDevery one due to SLS - where is all my money going? How do I fight somethinglike this??? I am going to XXXX XXXX XXXX and getting copies of all of my paymentsbut I am afraid they are trying to take my condo from me - this has been going onfor 8 years and it is not fair to do this to seniors. I have made all payments, I havecalled XXXX times and left messages - no response - I have sent every form theyrequested plus additional correspondence I had. I sent copy of Certified letterto XXXX in XXXX with my Assumption Package - no response - I would liketo post this for others to see how XXXX and its subsidiary SLS handle customers. 
If I do n't have a XXXX, it will be a miracle. 
I asked the Ombudsman to please look into this mess - hopefully we can get a resolutionon both sides.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My XXXX XXXX auto loan is in good standing, but I 'm not receiving any credit score increase for making on-time payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On the date of XXXX XXXX, 2016, I filed a complaint against Stellar Recovery, case number, XXXX, for reporting to my credit reports I owed a debt which I did not owe. 
Stellar Recovery responded to my complaint by advising the CFPB they [ Stellar Recovery ] were removing the account from my credit reports. 
As of the date of this second complaint Stellar Recovery has refused to honor its promise to the CFPB and is still reporting to my XXXX credit report I owe a debt which I do not owe and an account that Stellar Recovery promised the CFPB and me they were removing from my credit report. 
I sent three letters to Stellar Recovery demanding the removal of their negative reporting. All letters were ignored. 
I the emailed the chief complaint officer for Stellar Recovery demanding removal of the account and even attached to my demand a federal lawsuit I would file if Stellar Recovery continued to violate the law and its promise to the CFPB. 
Stellar Recovery ignored my emails and as of the date of this complaint continues to report to my credit in a negative manner, violations of the FCRA and the FDCPA. 
I have now been forced to retain an attorney and a federal Complaint has been filed on XXXX XXXX, 2016, case number XXXX, XXXX XXXX of Arkansas. 
However, even after the filing of a federal lawsuit against Stellar Recovery, they still refuse to remove the negative and illegal reporting from my XXXX credit report. As the CFPB is well aware, a universal data form being faxed to a credit bureau will have the account removed in less than 24 hours. 
Stellar Recovery has lied to and thumbed its nose to the CFPB, even though it is facing a federal lawsuit. If the power and authority of the CFPB does not find this case worthy of using its authority to regulate this collection agency, then I am not sure what kind of case would be ripe? 
I am bringing this agency to justice on the civil side, and the CFPB should use its authority to send a message that conduct such as that of Stellar Recovery will not be permitted against consumers and against the CFPB. 
It is worth noting again that Stellar Recovery failed to respond to ALL communications to them to further discuss this matter and work with the consumer to resolve this issue. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was checking my credit score on XXXX XXXX and there is a Hard Inquiry on there that I did not authorize. The inquiry was made on XXXX XXXX, 2017 by the below company. I did not authorize the inquiry and want it removed from my credit report. I did n't fill out any form or apply for any loan or credit card. This was either identity fraud or just done illegally without my authorization. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was leaked in the Equifax hack. Not only was it leaked in a bank that could be accessed in bulk ( Security was far too lax in this regard ) but the company steered me off after I found out that I was affected in their check by getting me to enroll in something that makes it so I ca n't be a part of the lawsuit ensuing. 

I get that the company is a victim as well, that is unfortunate, but it should own up to it 's mistakes. Not try and exacerbate the issues people have.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I fell behind on my federal student loan as a co-signer. The servicer of the loan is Navient. All they offered me was forbearance. That was it. No income-based repayment. All of this transaction was recorded by Navient. I agreed to forbearance thinking that was my only option. What should I do to rectify this situation? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Student loan (Private student loan) with SUNTRUST BANKS, INC. (CA).
Issue: Getting a loan
Sub-issue: Denied loan

Complaint: Hello, I cosigned a student loan for {$15000.00} on XXXX XXXX, XXXX, for my little sister, who is a freshmen at the XXXX XXXX University - XXXX Campus ( XXXX XXXX XXXX. I have great credit ; however, I am currently in between jobs at the moment and part of my income is derived from unemployment insurance. I believe the company denied our request for a loan due to the fact that my income derives from a public assistance program, which violates The Federal Equal Credit Opportunity Act.

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 05-12-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed inaccurate and incomplete information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and incomplete such as Last Payment amount missing and incomplete, Date of Last Activity, Date Closed missing and incomplete, date open is not accurate, unless they can provide proof. As per FCRA all information must be complete and accurate or deleted. The XXXX XXXX accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Auto) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Payday loan debt) with BlueChip Financial (SD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Tuesday XX/XX/XXXX I was contacted by my HR department that some gentleman had come into their office trying to serve me papers. He left them with only a name of XXXX XXXX XXXX XXXX along with a phone number of XXXX. I called the number and spoke to a gentleman who was very rude asked if I have signed any litigation paperwork within the last 72 hours and said they were suing me for a loan from XX/XX/XXXX. I said no I have not signed anything so he proceeded to tell me well then we can settle this now before any paperwork gets signs. I said I do not have the money at this time to pay it. He became more aggressive so I hung up on him. This morning Thursday XX/XX/XXXX I get a voice message from a XXXX XXXX from some servicing agency that said my case was forward to them by XXXX XXXX XXXX  XXXX. The lady said in regards to my property and my place of employment and I had 24hrs to return the call. I returned the call and they said that I would have to call XXXX because they are only a servicing agency and my file is in their hands now. I told her that I called them Tuesday and am now wondering how you received my information if you did n't have my file. I also requested a validation be sent to me about the debt. She was unable to give me any answers, just kept saying we are a servicing agency and you need to contact XXXX. I told her I filed a claim with FTC and she then hung up. The servicing agency number is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE AND I HAVE APPLIED FOR MORTGAGE ASSISTANCE. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), IS PROCESSING MY REQUEST FOR MORTGAGE ASSISTANCE. IN A LETTER DATED XXXX XXXX, 2015 SPS REQUESTS ADDITIONAL DOCUMENTS FROM ME AND IN THIS LETTER THEY PROVIDE A XXXX/XXXX/2015 DEADLINE. IN ANOTHER LETTER DATED XXXX/XXXX/2015, SPS NOTIFIES ME THAT THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. ON XXXX XXXX, 2015 IN A PHONE CONVERSATION WITH SPS, A REQUEST WAS MADE THAT SPS RETRACT THE LETTER NOTING THE SALE DATE IN WRITING VIA EMAIL. THAT EMAIL OR RETRACTION HAS NOT BEEN RECEIVED. SPS IS ENGAGED IN DUAL TRACKING AND PREFERS TO PROFIT FROM THIS METHOD. THEY PRESENT A FACADE OF HELPFULNESS SO THAT THEY CURE LURE HOMEOWNERS INTO FORECLOSURES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 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: Their investigation did not fix an error on your report

Complaint: i recently submitted a dispute to experian in regards to 2 accounts on my credit file. 
the 1st account is XXXX XXXX - this company is reporting incorrect information on my credit file. I disputed it with all credit agencies it was being reported to as well as the company. It has already been removed from the other credit reporting agency but i feel Experian did not give me a fair investigation or right to dispute. This account should be deleted from my credit file The 2nd was against XXXX XXXX - this is a collection that does not belong to me. I have filed a FTC complaint and i have submitted it to the credit reporting agency and the company. The company sent me receipts from purchases but did not show anything that has my signature, id, or anything else that said i opened this account. I too disputed this with Experian and i feel that i was not given a fair investigation, especially since i feel this was a identity theft. This account was also reported in 2014 i disputed it then with the CFPB and it was removed now its being re-reported as well

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, XXXX, and Experian list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the XXXX I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Date of incident Open XX/XX/XXXX close XX/XX/XXXX someone opened up the account fraudulently in my name I've been trying to get it rectified I filed a police report I contacted the company they took it off my XXXX XXXX and experience but not my XXXX I contacted the company and disputed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On some of our mortgage payments only half was applied to our loan and some payments were not applied at all. Due to this we went into foreclosure and now we are being charged with more than {$120000.00} XXXX + XXXX in fees. In addition, last year we were approved for a loan modification, after requesting one for 4 years. We did not agree with the additional {$120000.00} XXXX + XXXX that was on the modification so we contacted Ocwen and stated our concerns. We had been making our monthly payments per the trial period but in XX/XX/XXXX of last year, 2014, we were NOT allowed to make any additional payments until the loan modification agreement was submitted. We then submitted the agreement along with a letter disagreeing on the amount Ocwen stated we owed. We then were charged with an additional {$4600.00} in fees again. We have contacted Ocwen several times regarding our concerns and Ocwen stated that we needed to show proof that partial payments were applied and/or not applied at all. We then submitted copies of our bank statements and even mortgage statements showing payments made to our then mortgage lender. Ocwen then stated that they were not the mortgage lender at that time so they could not do anything about it.

Company response to consumer: Closed
Consumer complaint received 06/26/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was working on a short sale with XXXX. They countered XXXX and my client approved. We were just waiting on XXXX XXXX approval. In the middle of this process the negotiator told me that the loan was being sold to Rushmore XXXX XXXX. I could not talk to Rushmore because the file had not been transferred. XXXX XXXX I called Rushmore and they said they could not speak to me because the file did not transfer to them yet. This process took a week and a half. In the meantime I saw there was a foreclosure for XX/XX/XXXX. I asked the representative if that would be an issue an she said no. I was finally assigned a negotiator and he ordered the BPO. However last week he told me his supervisor said that Rushmore needs 60 days to complete the short sale. I was close to getting an approval with the previous servicer and I believe it is unfair for them to schedule the short sale foreclosure sale date without even giving us the opportunity to complete the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: There are many transactions that I have disputed with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN, USAA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WV, XXXX XXXX XXXX XXXX XXXX WV, XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX in NJ. prior to marriage and during marriage XXXX XXXX XXXX ( XXXX, XXXX ) ( previous last, XXXX ) was transferring monies without my knowledge and consent. The 3 transactions that are obvious fraudulent due to my name only being on the account at XXXX XXXX XXXX XXXX and were transferred to an account with USAA where my name is not on the account are listed below. XXXX {$2800.00} from XXXX XXXX to USAA prior to marriage XXXX {$5000.00} from XXXX XXXX to USAA 1 month after marriage XXXX {$500.00} from XXXX XXXX to USAA Once there are many other transactions that have occurred without my knowledge or consent but I am starting with these.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company XXXX Carrington Mortgage XXXX sent out XXXX Premium Insurance payments to the wrong insurance company and will not get our money refunded back into our account. Our escrow showing negative which has made our house payment go up. All we want is our money refunded and put back into out account. We have lived in our house about 14 Months and have had about XXXX Insurance checks go out, when only XXXX should have gone out for this years Insurance Premium. When we signed papers for our home, our title company paid the first years Premium so the only check that should have went out was this years Premium XXXX which was sent to the wrong insurance company ). Also, in the process of all this my homeowners insurance was cancelled twice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Checking or savings account (Checking account) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: XX/XX/2018 Schools First blocks access by external app to make electronic payments on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Discover Card Company issued me a credit card. XXXX charge was disputed, and therefore not paid. Afterward, I learned that in fact it was a legitimate charge but the company had used a completely different name so I no longer disputed it. Discover Card paid the amount, advising me they would do so but not advising me that it meant I would go over my credit limit nor that I would daily receive XXXX phone calls regarding being over my limit. I pay the monthly payment on time at the rate prescribed each month. I previously requested of Discover card that they stop calling me, which they agreed to do, and notating it on my record. Yet it has happened again and continues daily at an excessive and harassing amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hey, I would like to file a lawsuit against XXXX XXXX XXXX. They are reporting on an account that has been settled since XX/XX/XXXX. I called them multiple times that the account has been settled based on the agreement with the court justice and I paid off. They still reporting on the account. 

Anytime, I made a call they are sending me to their law company who in return said my account has been closed on their side. 

They are reporting on my account that is affecting my life in order to get a job and anything related to credit score. 

The original debt was XXXX. They sued me in the XXXX VA civil court. I made an agreement to pay XXXX to settle this debt. The agreed amount was paid toXX/XX/XXXX. They are still reporting on my credit score. 

Please need help

Company response to consumer: Closed with non-monetary relief