milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Back into XXXX of 2010 during this mortgage crash me and my wife were part of this with our second home. We tried and did everything the bank ( specialized loan service ( SLS ) wanted us to do. They finally offered us a program called DEED IN LIEU instead of a foreclosure. we accepted this and they even paid us under their cash for keys program which is only given out for deed of lieu or short sales. 5 1/2 years later when we are applying for a new mortgage an open foreclosure is showing up on our credit report instead of deed in lieu from this bank SLS. After numerous talks with different departments within the company, faxes, written requests and a copy of out credit report so this error can be corrected on our credit report, me and my wife are getting nothing but a run around. I had XXXX different customer service reps and a dept manager say that our file looked messed up, that it should be reading one way but reads another way. They all said they do n't know where to begin. 

We showed them the proof, they saw the proof in their files. The manager even said a deed in lieu was started but never completed. They see the cash for keys check issued ( XXXX XXXX, 2010 ) and a copy of the deeds and verification of mortgage. We really need help with this and have no where else to turn. 

This is the only thing prohibiting us from obtaining a new mortgage. Our credit is outstanding except for this mark on our credit report. We can not get them to help us fix their error. We are at RISK OF LOSING THIS NEW HOME because of the wording in our credit report. Time is fast approaching for our settlement date. We waiting the 5 years for the XXXX, DEED IN LIEU time, only to be hit with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I have received late fee charges from Bank of America that are not legitimate. I 'm not say all fees from the life time of my account but there has been many of times where Bank of America has changed the order of my withdrawals to have me have 2-3 late fees instead of one late fee. example my first few charges will be for XXXX and XXXX dollar charges. then a charge for XXXX will come after. Instead of paying the first 3 charges in the order they come out the bank account Bank of America will change the order of the withdrawals to make more late fees. The last three fees I had in one day. I did speak to two supervisors and the second one took off one fee and I asked to have a manager to call me and he stated he would not take off the other fees. I asked to speak to the higher manager who was suppose to call me within 24-48 hours who never called .I do have alerts on my account that do not always work which Bank of America has given me late fees back in the past.

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 10/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF HAWAII CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Can you tell me if I need to write a letter to my bank to request the PMI payments no longer be required? I passed the Scheduled XXXX % LTV Date on XXXX/XXXX/2014, however they are still billing me for PMI premiums in my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with STERLING INFOSYSTEMS INC (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Sterling Infosystems , Inc., a consumer report company is reporting false and frivolous information on employment background check. It is reporting XXXX cases that were not only dismissed, but also sealed, expunged, or otherwise removed from public record.

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 03/31/2017 about Debt collection (I do not know) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BLUF : I settled my Navient private student loan account through a debt collector, but they are still reporting it as past due to the credit bureaus 2 months after the settlement payments were completed. 

My defaulted private loan was charged-off in XXXX XXXX. At some point later, a debt collector named " XXXX, XXXX XXXX XXXX XXXX, XXXX '' ( herein referred to as XXXX ) assumed collection activity on said defaulted loan. On XXXX XXXX, XXXX I entered a settlement agreement with XXXX on behalf of Navient XXXX XXXX XXXX for a 6 month payment plan that would settle my account in full for the reduced amount of {$17000.00} ( agreement attached ). The final payment was made towards this settlement agreement XXXX XXXX, XXXX and I received a letter from XXXX stating that my account was satisfied in full and there was no longer a balance due ( also attached ). 

All throughout the 6 months that I was making settlement payments, Navient was updating my credit reports showing the amount that I was paying. In XXXX XXXX, the month following the last settlement payment ( when the account is now settled in full ), Navient reported my account as unpaid and still showed a balance due. The balance was not updated to reflect the settlement, which should have made my balance {$0.00}, nor was there a mention of a settlement. Screenshots of these months and current reporting are attached. 

Come XXXX XXXX, XXXX full months after the settlement agreement was fulfilled, Navient reported my account as DELINQUENT to the credit bureaus and now shows a past due balance of {$290.00} ( the payment that my original loan had back from before it defaulted in XXXX ). XXXX shows my account under the NEGATIVE section as " reported 30 days past due '' and XXXX shows this account as " failed to pay ''. I could not check XXXX. 

I tried to contact Navient directly about this issue but their automated phone system bounced me to XXXX every time. I could not trick the system to allow me to speak to one of their customer service agents. XXXX was no help with this issue either and said that it is up to Navient to correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (IL).
Issue: Managing the loan or lease

Complaint: I took out a title loan with Title Max, but shortly thereafter lost my job on XX/XX/XXXX. I paid the loan up to XX/XX/XXXX, but my employer fought the unemployment claim. I told Title Max on several occasions that they could come and get the car because I am not working and the car is just sitting there and accruing interest. I spoke to the Office Manager XXXX and several others and they keep stating they will allow more time, or see what they can do. I told them I do n't want anymore time and asked that they come and get the car. They have refused 4 times. Meanwhile the car has gotten a ticket for still being in the lot and not having proper plates since it has not been driven since XX/XX/XXXX. I am unemployed and have no way of getting the car to them ( gas money/XXXX ) since my unemployment is the last drop of money I have. I believe Title Max is stalling in order to have the highest possible interest rate activated since they no I can not do anything about the situation. I have spoken with them XX/XX/XXXX, several times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They continue to call and harass me about paying.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed the XXXX XXXX XXXX on all XXXX of my credit reports, since they were included in my Chapter XXXX Bankruptcy, and the Credit Union refuses to acknowledge that my account should be removed from my report ( It has been over 7 years ). Experian is the only bureau to refuse to remove it until 2018. ALL proof of my bankruptcy has been removed, but they said they would not remove it. I was warned by my attorney that the XXXX XXXX XXXX would deliberately attempt to create issues for those who have had to declare bankruptcy. Unfortunately he was correct. I have spent months cleaning up the discrepancies caused by the Credit Union, with only XXXX issue not fixed ; Experian 's report. Can you please ask Experian to co-operate and remove all the derogatory information from my report? I have been current on all my accounts for over 7 years now, and I very much would like to clean up my credit totally and move forward with our lives, financially. Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our issue is that Specialized Loan Services not applying our Home mortgage payments in a time manner. They hold the payments for no reason. Here is a good example. Keep Your Home California help us approving {$49000.00} last year in XXXX XXXX. SLS received the {$49000.00} From KYHC in XXXX XXXX and they just applied to our account over a year later and after hundreds of calls to them and they finally applied the money with KYHC help. Also right now they are showing that we have n't send any payments since XXXX, XXXX. On XXXX XXXX, XXXX we submitted a bank statements to proof of payments for all these months and following with phone calls with out any response yet. as today our loan payment history it 's a mess and we do n't see a way of resolution. Here is some history on how the mess started. when Specilized Loan Services received the {$49000.00} from Keep Your Home California they applied to our loan account and sent a statement letter which explained the new do payment amount so we started to send the specified payment amount since then but they pulled the {$49000.00} from our account and when we questioned why that happened they argument ed that they still need the signed Agreement for Modification of a Mortgage Re-amortization Only. Which we signed and mailed to them at the binning of the process. I can remember how many times we signed the Agreement and re-sent it to them and we have records of proof of delivery for the document. i really believe that this is a fraud. We really need some professional assistance to solve this issue. 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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: If I did not have payment protection then WHY did the Federal courts in NY order then to stop requiring card holder pay for it? Discover Financial Services has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. I stop using My cards in XX/XX/XXXX hen they refused to owner my XXXX clam! I found out that I had another discover card but it came with {$5000.00}. already charged to it! I paid them on line. My wife sent in checks. She would send them {$200.00} and what we owe them would go up {$2000.00}! A few times they tried to take {$2000.00} to {$5000.00} from my bank account! Computer errors they said! They would add this amount that they could not get from my bank to what we owe them! I put a stop o all transfers from my bank to less then {$200.00} except my House payment! Which I got a few calls from XXXX XXXX XXXX claiming that they own my mortgage and I had to send then money over the phone to them NOW or they would foreclosed on me! I did get a lot of phone calls from their lawyer XXXX XXXX XXXX XXXX XXXX saying that they are going to take my home and put me into jail! XXXX, XXXX. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against the debt collection law firm XXXX, XXXX XXXX XXXX for falsely representing in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. The law firm made statements on collection calls and sent collection letters creating the false impression that attorneys had meaningfully reviewed the consumers file, when no such review has occurred. The CFPB is seeking to stop the unlawful practices and recoup compensation for consumers who have been harmed. I found out that I have an XXXX XXXX card that had transferred {$5000.00} to Discover Bank! Also funds were transferred to discover Bank from my XXXX and XXXX cards! All were computer errors??? As they kept telling me and now are lying to you! Tis XXXX with them started when I informed the that I was an XXXX veteran!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an account in collections on my credit report and the debt is not mine. I contacted this company to resolve the issue but im told to take it up with the credit bureau. I was never contacted by mail or telephone prior to them reporting the debt to the credit bureau. I tried to send a certified letter of validation of this debt to the address listed on my credit report but the letter was undelivered according to the post office.I tried several times to get this issue resolved but no one that i speak with seem to want to help me. I found out that the debt belongs to my daughter who is an adult and at that point i was told that this debt is a mistake. I dont believe its a mistake because there is no account to be found under my name. The way that this company finds me is under my daughter name which they have listed as the account primary holder. They clearly got the invoice from the original creditor with the person that need be pursued. I have a copy of the exact invoice and my name appears no where. I believe the went beyond the scope of the invoice to implicate me and thats not legal either. Even if it was a common mistake they should be more willing than they are to resolve the issue. I feel that this company needs to be reported. I attempted to resolve this matter several times and im still getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loans were initially through XXXX XXXX, now Navient. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested loan modifications, income based payment caps, etc. Despite meeting the qualifications for their programs I was denied every time I asked. I did have my loans put into forbearance a couple of times, but I was also charged for that. In XX/XX/XXXX I filed Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I tried especially hard during that time to work out a payment plan with XXXX XXXX. They adamantly refused to help. Again, I fully met their criteria for help but was denied. Unfortunately I did not think to submit at complaint at the time, nor do I have the records showing my request. However, I did want to add my information to the struggle of trying to work with XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Medical) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The company did n't contact me by phone at all for a bill that is now reported in my credit record. I had some previous bills that was with the same company and i used to have really tough phone calls with threatening of reporting and not resolving. my main problem now is that they report a claim which I had no problem to pay it on time if they called me. I just settled all my debts with this company by calling them around 3 months ago. the company suddenly reported failed payment for medical bill without contacting me with previous knowledge where I am and my situation from previous experience. please advise if I still have to call them and accept what they say to remove the collection while it is still there in the removed collections or I have any rights to dispute this claim for not contacting me.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion and XXXX is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by Transunion ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV

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 09/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Confusing or missing disclosures

Complaint: I transferred XXXX PAY tokens ( TenX Cryptocurrency ) from my XXXX account ( another exchange ) 47 days and XXXX hours ago ( on XXXX XXXX, XXXX at around XXXX PST ) into my Ethereum wallet at Coinbase. 
Since the PAY tokens are an ERC 20 token ( ethereum platform ) I thought they 'd be no issues. The transfer was successful and delivered to my Ethereum wallet at Coinbase. I 'm still new to crypto currency trading, so I viewed this transaction as any other financial transactions ... if wrong address or not supported, the transfer would be rejected or worst case scenario reversed back.
However this is not the case, although the tokens are currently sitting in my Ethereum wallet, I can not access them because Coinbase does not support this specific crypto currency. They 'll accept the transfer in, but will not allow you to access them.
Only Coinbase has the private key to my wallet to access the tokens, but they refuse to send back the tokens, saying it would be too much work for them. The ability to fix the problem is available but they are not willing to do it. I am not the only one who made this mistake in the past, I 've read in various forums of similar cases where the transactions were reversed, so it is definitely possible. The problem now is that Coinbase has grown so much and so fast that they have not scaled their support staff to match the number of users.
The value of my tokens at the peak, a week or so after the transaction went up to over {$410000.00} - now the value has dropped to below {$110000.00} I 'm fine with the fluctuation in price, I just want my tokens returned. I 'm afraid someone there might steal the tokens or a hacker might take them, since the amount is quite large I would prefer to store them in my hard wallet ( offline ).
This is such a new field, I understand my explanation might be a bit hard to follow so below is a quick summary.
Sent crypto currency from one exchange ( XXXX ) to another ( Coinbase ), Coinbase accepted the transfer but because they do n't support the tokens, they will not allow me to access them to transfer or sell.
Coinbase can access them by retrieving the private key to my wallet but refuses to do so because they said it would be a lot of work for them. They felt this was my mistake and I 'm essentially out of luck.
I disagree because Coinbase is a financial institution, if they do n't support this token they should of rejected the transfer or at least reverse it, instead they are keeping the tokens and refusing to retrieve the private key to my wallet, which only them can have access to it. 
Thank you for your help. Please let me know if there 's anything else you need from me. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (I do not know) with Union Adjustment Company, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was making my payments on time, I used to make payments in person, one day I went they had close the building And I went online and the website was close, I had no way of communicating with them, after 3 years I started getting phone calls, I already had lost my job but I could n't contact with Famsa I checked every way to contact them they all showed that they violated and had to close all XXXX in California.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation