milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Trouble during payment process

Complaint: Over the last 12 months I have made my payments on Select Portfolio Servicing 's website without any problems. 
I tried making my payment on XX/XX/XXXX and I got the following message One or more errors were found " Your request to process a payment can not be completed at this time. The account is ineligible for online payments. Please contact Customer Service at XXXX for additional information. '' I contacted Customer Service and the agent informed me that my account was on a short sale program. We have not requested any workout or short sale program and was totally taken aback by her statement. The agent proceeded to inform me that as a result of the short sale set up I could not make a payment on the account. This change of status of our account was not requested and is inaccurate. The agent said on XX/XX/XXXX that she would cancel the program and I would have access to make a payment on XX/XX/XXXX. I called back and the account is still blocked and the agent said they ca n't even process a payment for me either and I will be assessed a late fee. SPS servicing practices are extremely unfair and deceptive because I get different answers every time I call about an issue. Case in point, we had requested a partial lien release to facilitate a road expansion project by XXXX County which took seven months to resolve and took the escalation to the Ombudsman department to get an answer or a call back. Please assist to resolve this error and mistreatment by SPS.  We had the same horrible experience when we tried to modify the account about five years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this is not mineAccount nameXXXX XXXXAccount numberXXXX .... 
Recent balance {$0.00} as of XX/XX/XXXXXXXX openedXXXXXX/XX/XXXXStatusForeclosed. 
In dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXAddress identification numberXXXXTypeMortgageTerms2 YearsOn record untilXX/XX/XXXX XX/XX/XXXXCredit limit or original amount $ XXXXHigh balance $ 0Monthly payment $ 0Recent payment amount $ 0Date of statusXX/XX/XXXXXX/XX/XXXXFirst reportedXX/XX/XXXXXX/XX/XXXXResponsibilityIndividualReinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I wired {$2000.00} to Coinbase onXX/XX/XXXX from XXXX, the money is gone from my bank account, but its not showing in my Coinbase account. I submitted a ticket from Coinbase website on XX/XX/XXXX, so far still havent got any actual update from Coinbase except XXXX reply said they already returned money.

Im wondering what exactly happened to the money I wired. Its unbelievable theres a company in US can do this to their customer! Just take money from people!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (SD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I made the  XXXX     2017  payment. US Bank stated I did not make the payment.   XXXX  I provided a canceled check showing them cashing the check and receiving the funds but they refuse to credit the payment to the account.   XXXX  They are now reporting me late to the credit bureau and charging late fees.   XXXX  I filed a dispute on  XXXX . They said it would be fixed and resolved by  XXXX  but as of  XXXX  after spending  40  minutes on the phone it 's still not solved.

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 06-11-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage in which the legal description is incorrect. I have repeatedly requested that the company who holds the mortgage please correct the error. My title company has also sent an email request. All requests have been ignored to date. The house that has the incorrect legal description on the loan is showing up on the title for the property next door that I am trying to sell. I can not sell that property with the cloud on the title. I need Nationstar mortgage to release the title to XXXX ( incorrect legal description on the title ) and order a new title search and prepare a corrective deed for XXXX XXXX XXXX XXXX. The mortgage should be for XXXX alone. Again, all requests have been ignored. This needs to be serviced and Nationstar will provide no service or answers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with Credit Karma, Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trying to buy a car so they turned me down because someone has me down as a cosigner through XXXX and they made a payment on the vehicle last month. I know nothing about it.So I 'm trying to find out who 's name is on the vehicle so I can stop it.And I ca n't check my credit score on credit Karma, forgotten my password so I can check and log out.

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 10/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo refuses to list positive payment history on credit reporting to XXXX, XXXX and XXXX credit bureaus. The loan was modified and payments have been on time for over 2 years. I have attempted multiple times by phone email and in person to fix my credit reporting

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 02-07-2018 about Debt collection (Medical debt) with Helvey & Associates (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: COLLECTOR FAILED TO VALIDATE AND CEASE AND DESIST COLLECTIONS AND CALLS. THE DEBT WAS MEDICAL IN NATURE AND WAS PAID LATE BY STATE INSURANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Made my XXXX monthly mortgage thru bill pay, for my VA 30 year fixed loan. Ditech Financial LLC applied to the wrong account. Ditech then made daily collection calls trying to bully the the money they already received. Once I figured out what happened and their ineptitude to resolve it. I requested a refinance quote and a payoff amount to take my business to a better company. They said they would have to reallocated the the payments on the account for an accurate payoff amount. 
Payed XXXX 's monthly payment by the same process, no problem. Still receiving random collection phone calls for XXXX 's payment. Now its the XXXX of XXXX. For this whole week I 've been on the phone with them trying to get a payoff amount so I can close my refinance with another company. My balance remains inaccurate, my payoff is still unavailable. Far past the 20 business days that is required by the RESPA. Not to mention 10-15 minutes for a payoff amount is the industry standard. I 've tried to elevate this further within the company, however the only departments you can actually talk to are collections and customer service. Both can do very little to service your account. I will be getting in touch with a lawyer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have worked with NELNET since 2011 to resolve a complaint I have regarding their servicing of my loan while making payments under an Income Based Repayment Plan under the Public Service Loan Forgiveness Program. NelNet continues to maintain that I consolidated my loans and any payments prior to consolidation do not count towards the PSLF program. I have asked to see the contract where I agreed to forfeit PSLF payments in exchange for consolidation and they are unable to produce it. I believe they operated in bad faith when consolidating my loans without obtaining my permission to forfeit almost a year 's worth of PSLF payments. My new loan servicer has been honest and operated in good faith. As such, I believe this to be a deceptive business practice of NelNet and/or the Dept of Education that is hurting students who are making regular payments under an Income Based Repayment Plan while working with vulnerable populations under the PSLF program. I would like for my payments made to NelNet to count towards PSLF like I was told they would. I do not need NelNet to call me and tell me the exact same thing they have told me XXXX or more times over the past years. I need someone to hold them accountable for their deceptive and abusive loan servicing practices. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collections Acquisition Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get some accounts with Paylance reported under my name who does n't belong to me, I already filed up an Identity thief victim report and request all this account with this company to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Please see Complaints : XXXX and XXXX As you will see, both complaints have been discharged and closed due to PNC responding to my complaint by phone and by mail. Just because they responded ( I received a call from XXXX XXXX ) does not mean that they satisfied my complaint nor that they resolved the situation. The issue is that PNC rejected a check payable to me due to an " irregular signature. '' Not only had they processed a previous check from this person to me ( signed by same person on the account ), but it seems they failed to follow their own procedures to verify with the account owner that this was a valid check signed and issued by one of the account holders ( as told directly to me by the account holder ). Because I was forced to process their second and final payment by credit card, I not only incurred a {$5.00} service fee from my bank, but an additional {$39.00} in credit card fees ( per my credit card statement ) that I would not have incurred but for PNC. PNC is using the fact that I am not an account holder and therefore they do not have to discuss this issue with me. PNC 's failure to follow its own procedures resulted in a {$44.00} charge that I would not have incurred had they processed the check and verified the account holder 's signature.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 have disputed negative information on my credit report from XXXX XXXX XXXX 's Account number XXXX with Experian several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to Experian on three separate occasions via certified mail. I am requesting that Experian to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off Experian clearly ignoring federal 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 explanation
Consumer complaint received 08-07-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, 2017, I attempted to download a " Proof of Loan '' PDF document, which I do monthly to obtain student loan repayment assistance from my employer ( see attachment for example ) ; however I could not locate the Proof of Loan documents online. I contacted Navient for assistance, and the phone representative told me the feature that generates Proof of Loan documents is no longer available and the only way to obtain day-of loan information is to take a screenshot or print the online loan details. This is unacceptable as I am sure many borrowers need formal day-of Proof of Loan documents for mortgages, student loan repayment assistance, etc. The removal of this feature will cause future harm to many Navient customers, including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Bank account or service (Other bank product/service) with Comerica (FL).
Issue: Deposits and withdrawals

Complaint: Social Security deposited funds into US Direct Express debit card account on XXXX/XXXX/2015 and the same day someone used a web access to perform a fraudulent " money transfer '' out of that account into another account. US Direct Express refuses to cooperate and tell us where our funds are, to whom they were transferred to and has locked us out of our account. We can not get any information to file a complaint with the local police, social security can not assist us and the debit card company is refusing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Struggling to pay mortgage

Complaint: On or about XX/XX/XXXX we applied for a loan modification. Caliber home loans asked me for a lease for my rental property which I submitted via-email. Caliber has not sent me a approval letter or denial letter explaining the reasons for a denial. They have scheduled a sale date for XX/XX/XXXXwhen I feel based on our income and hardship, we should be able to qualify for a loan modification. 

We talked to Caliber Home Loans about a short sale. XXXX XXXX, a non-profit agency was willing to purchase our home. An offer was submitted, but on XX/XX/XXXX, Caliber denied the offer saying it was too low. A higher offer was submitted that was near the appraised value. Caliber did not approve or deny the offer. Additionally, we feel the denial was premature because the they acknowledgment letter was not sent until XX/XX/XXXX, but we were denied on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The collection agen cy Carter Young Inc failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. They did not produce the documents establishing liability to them. In US law encyc lopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Carter Young Inc o n  XXXX / XXXX / 17  and received a letter stating that my dispute was investigated and validated by the original creditor   XXXX    XXXX   XXXX , however, I did not receive validation, only a letter claiming to be validation.  Carter Young Inc ar e reporting invalid and inaccurate information on all  XXXX  credit bureaus :  XXXX ,  XXXX , and  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Nation star mortgage XXXX refusing to provide the actual original note to foreclose on this property

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: No knowledge of said debt.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 've contacted Equifax to tak e a Chapter   XXXX  bankruptcy off my report because i t 's over 7 years old. It  's actually over  10 years old fro m the original date. My ex-wide actually filed it and changed her mind and so it was dismissed with no accounts in bankruptcy! I 've asked them to remove this from my report because it 's so old and   XXXX   and   XXXX   does n't have it reporting at all. They also placed a date on it dating in  XXXX / XXXX /  XXXX   which means they are going to try to report it longer.   I received a letter in the mail asking/ stating that I could be apart of a class action lawsuit agains t Exquifax  regarding this bankruptcy reporting on my Equifax report. And I 've been research ing Chapter   XXXX  bankruptcy and every site says they usually only stay on credit reports for 7 years and it has been 10 years for this  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I applied for a  XXXX   XXXX  Credit card in the store was approved and used the card once. Received my statement and made payment on time. A month later the bank closed the account stating too make inquiries on my credit report. This is a horrible way to do business. The company at most should have lowered the card limit to an amount they felt comfortable with.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: Rash Curtis is harassing me everyday with calls from several different phone numbers ( XXXX ). I filed for bankruptcy and had a hearing to discharge my debts -- medical bills and credit cards -- on XXXX XXXX and my lawyer said I should expect to get my discharge by XXXX 2016. 

All of my creditors should know by now that I filed for bankruptcy but Rash Curtis is continuing to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: For over 7 days I 've been trying to access my accounts via the Internet and XXXX XXXX. All I 'm getting is the server is unavailable. Last Friday, XXXX XXXX, 2017 I went to the branch near me and spoke to a Customer Service Rep. She informed that the outside server is down but I can check on my accounts at any branch. 

Not having access to my funds are unacceptable. 

Please help

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 01-01-2016 about Credit reporting () with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Syncrhony bank payment history of false penalty of 30 day late notice : 1 ) Paid {$30.00} dollar payment on XXXX/XXXX/15 2 ) Late fees charged on XXXX/XXXX/15 equals {$35.00} 3 ) Interest charged on XXXX/XXXX/15 equals {$2.00} 4 ) Payment due on XXXX/XXXX/15 equals {$44.00} 5 ) Paid full balance on XXXX/XXXX/15 of {$140.00} Synchrony on XXXX/XXXX/15 put a negative 30 day non-payment on my XXXX credit report. Total time between XXXX/XXXX/15 and XXXX/XXXX/15 equals 12 days, not exceeding the 30 days late period. 

I see many negative reports regarding the business practice of this company in regards to customer service and billing. I 've held a XXXX plus credit score for many years only to have this company drop me by XXXX points due to their unethical business

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

Company response to consumer: Closed with explanation