milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: The problem is - that NOTHING happened ( i.e. ZERO communication from the new 'servicer ' - no Single Point of Contact info has been received, to date ) - yet a motion for strict foreclosure is set to be heard next Monday, XX/XX/XXXX XXXX, XXXX. 

Just prior to last State of CT mediation session XX/XX/XXXX/XXXX/XXXX, submitted last/final requested employment verification document via email to XXXX, its attorney + the XXXX of CT XXXX - for expected/anticipated modification approval shortly thereafter. 

Received confirmation letter from Nationstar XX/XX/XXXX - stating that it would review and follow-up in +/- 30 days. Never heard from them again re : my modification. 

As previously reported to the CFPB, had several very similar 'episodes ' with Nationstar over past several years - so this latest came as no surprise. 

What did come to me as a highly unpleasant surprise was a copy of the motion for strict foreclosure - especially under the aforementioned circumstances. 

Needless to say, this is outrageous and incredibly unfair. 

At the very least, the motion for strict foreclosure should be withdrawn until such time that the new 'servicer ' has reviewed and responded to my modification package - which was submitted in good faith over 3 months ago - and of which the new servicer SHOULD have been aware long ago - long prior to allowing the motion for strict foreclosure to proceed. 

Additionally, the new servicer should instruct its attorneys to NOT object to my motion for re-inclusion into State of CT mediation process, in order that we are able to resolve this matter amicably and avoid the foreclosure. As documented via my modification package : I have a ( very good-paying ) job on hold until I provide my prospective employer a copy of the modification. 

Again : I need the direct EMAIL contact information for my federally-mandated Single Point of Contact with the new servicer - ASAP. For documentation and record-keeping purposes, I wish for all communication to be in writing, via email. 

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit reporting agency has a collection on my account. There is no listing of an amount owed or the name of Original creditor.

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 03/28/2016 about Credit card () with Empowerment Ventures, LLC (IN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a visa Rushcard and they let some scammer steal {$100.00} last year and will not XXXX my money back. Then this year they denied to return my {$100.00} that XXXX stole from me for a supposed deposit for service/installation that I never received. That is all illegal and a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM WRITING THIS COMPLAINT, AS OCWEN IS DENIED ME ON A HAFA SHORT SALE FOR REASON OF THEIR OWN, CAUSING US FINANCIAL HARDSHIP. WE WERE EXPECTING THE $ XXXX RELOCATION MONEY, THEY DENIED FOR REASONS NOT ON THE DOD FRANK FORM. ANY AGENT HAS REQUESTED THEIR DOCUMENTATION TO SUPPORT THE REASON FOR THE DENIAL. THEY HAVE NOT PROVIDED IT. THEY KEEP ASKING FOR DIFFERENT PAY OFF STATEMENTS FROM THE XXXX MTG OTHER THAN A NORMAL PAY OFF DEMAND.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: REPORTING STUDENT LOAN WHILE OF DEFERRMENT DUE TO MILIRARY SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them.

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize.

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries.

I am also a VERIFIED victim of the XXXX breach.

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR

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 07/15/2016 about Debt collection (I do not know) with Omega RMS, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a charge on my credit report stating I have an account in collections with Omega RMS. It shows that I owe over $ XXXX. This is a bogus charge. I called Omega RMS and they stated they do not have an account with my name on it, however it is on my credit report. I have never heard of Omega RMS prior to finding this charge on my credit report. I want it removed immediately. All of my accounts are in good standing and I have nothing in collections. I have no supporting documents because I have no account/experience with Omega RMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (I do not know) with Media Collections, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I work with a small nonprofit organization who continues to receive calls from Joseph, Mann, and Creed regarding a debt that we have no knowledge about. They say that it 's for " Statutory Representation, '' services from XXXX XXXX XXXX. I 've asked for documentation regarding the representation and they have n't sent me anything. I 've been receiving calls for 4 months now. Please help, thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I purchased my home in XXXX, CT for $ XXXX. I took out a loan with XXXX for $ XXXX. InXX/XX/XXXXour family began to experience financial hardship. We have a daughter with XXXX XXXX XXXX XXXX. She has been hospitalized in the XXXX XXXX and XXXX XXXX over 6 times by the age of XXXX. I contacted XXXX about a loan modification. On XX/XX/XXXX XXXX denied my request and in XX/XX/XXXX my loan was sold to XXXX XXXX XXXX. For two years, with the help of Attorney XXXX XXXX, I tried to get a loan modification with XXXX XXXX. They kept prolonging the process because of missing documents, etc. They were a very disorganized company. In XX/XX/XXXX the loan was sold to XXXX and I had to go through the loan modification process all over again. In early XXXX I hired XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, to help me with the loan modification process and to try and keep out house out of foreclosure. Then on XX/XX/XXXX the loan was sold again to Rushmore Loan Servicing. I worked with Rushmore for a year to try and get a loan modification. In XX/XX/XXXX, I had a scheduled court date with Attorney XXXX XXXX. He was a no show and later that week I found out through social media that XXXX XXXX XXXX was no longer able to practice law. His paralegal kept sending me email notifications that XXXX XXXX would do right by me and my family. The night before the court date, I received a text from Attorney XXXX  that he would be at the mediation. On that court date in XX/XX/XXXX, where I had no representation, Rushmore came back with a loan modification offer which was higher than what I was originally paying. Without representation I feared the house would go into foreclosure, so I went to family for assistance with the loan mod payments and accepted Rushmore 's loan modification offer. At the beginning of XX/XX/XXXX we listed the house for sale. There has been minimal activity with no offers. We are now in a situation where we need to do a short sale because there is a second line of credit on the house with XXXX. XXXX made an error and recorded the lien twice on the house with the town of XXXX and I have asked them to rectify this. There is no resolution with that as of filing this complaint. Rushmore provided me a pay off amount of {$310000.00} onXX/XX/XXXX and then changed the payoff amount to {$310000.00} on XX/XX/XXXX. We have made two mortgage payments of {$2300.00} and we made a payment of {$4700.00} in XXXX so I do n't understand the justification for the {$2000.00} increase within a three week period. As you can see from all of these facts, the whole situation is a complete mess and I am in need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Trouble during payment process

Complaint: This complaint is one that was originally submitted to the CFPB on XX/XX/XXXX ( # XXXX ) against Specialized Loan Servicing, LLC. The complaint remains unresolved as of this date. A letter from Specialized Loan Servicing, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX dated XX/XX/XXXX ( copy attached ) stated that they were requesting that the Recorder 's office in my County ( XXXX County, GA ) to " release or satisfaction of mortgage. '' SLS stated in this letter that upon receipt that they would forward it to me. I checked with my Recorder 's Office on Wednesday, XX/XX/XXXX and I was informed that no request was made by SLS. This mortgage balance was paid to SLS on XX/XX/XXXX and details were included in my original complaint. All communications and correspondence with this company has been futile and SLS has obviously ignored the CFPB to date as well. I received an undated notice from SLS with a postmark of XX/XX/XXXX stating " Georgia law requires us to inform you of your right to demand payment of {$500.00} in damages in the event a copy of your Satisfaction/Release/Discharge Reconveyance is not provided to the county recorder within 60 days of payoff. '' I sent XXXX a letter dated XX/XX/XXXX demanding the {$500.00} in damages and informing them that my " paid-off deed '' had still not been received ( copy of my letter is attached ). Apparently my letter and the SLS letter dated XX/XX/XXXX crossed in the mail. Pease help me to resolved this issue.

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 05/27/2015 about Debt collection (Mortgage) with 21ST MORTGAGE CORP. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: We were less than 30 days late on our mortgage payment and the company is calling multiple times a day and threatening us with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Dear CFPB, XXXX/XXXX/XXXX, I received a call from a restricted # saying that they have an urgent matter and that I need to call the ph # he gave me over the phone XXXX XXXX XXXX. I call them and spoke to a male person that refused to give me his name or any info on the account or their company. He was rude, insulting and abusive and hung up on me. I just needed info of the LAW FIRM he said he is working for. So later again, I called and hoping to talk to someone else working there, to get the proper information. I spoke to XXXX XXXX XXXX who told me that there is a demand letter for XXXX from CITI bank, and there will be a lawsuit/judgment against Me XXXX XXXX if I do not settle this right away. As I recalled, I never had a debt with CITI bank for {$35000.00}, then he explain that its actually XXXX but with fees its XXXX and would be willing to settle this matter for XXXX. The next day, I got another call from the first person I had spoke to but I did not take the call because it was a restricted #, so he left a message stating his name is XXXX XXXX and was upset the I complaint that he was harsh with me. He also called and left a message on my daughter phone. 
This Account with CITI bank was default by the end of XXXX when the real estate market crashed in XXXX XXXX California. My husband and I both lost our jobs and could not make our mortgage or credit cards payments, we were insolvent for years. Some debts were charged off in XXXX including CITI bank. It appears that this collection company named XXXX buys or gets old debts and tries to harass and threaten citizens of America to get them to pay old discharged or charged off debts. They have continuously called from restricted phone # and sometimes left threatening messages on my phone, my husband, daughter and son 's phones. They have call early in the morning and late in the evening from their restricted phone #. If this is a law firm as they claim to be but refused to give me their attorneys ' names, they are most definitely violating the laws and statute of limitation. 
Now, with our business a little established, we are able to pay our modification mortgage and utility bills. We are just not able to make credit cards payments. My husband and I are barely making enough to get by in this economy. Please help stop this company from threatening and harassing myself and family members. PLEASE INVESTIGATE THIS COMPANY AS THEIR REVIEWS online ARE NOTHING BUT SCAMS

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 08/18/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am refering to case number XXXX XXXX. The case was reviewed by the Mortage company and declined to offer a posible solution to avoid foreclosure. I disputed the response on XXXX/XXXX/15 with no other response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from XXXX XXXX University in 2012, but prior to my enrollment there I attended for for profit vocational school, XXXX XXXX ( XXXX, Az ). During this time I accrued private student loan debt which was held in forbearance while I attend school. Upon graduation I consolidated my federal loans into XXXX, and have regularly made payments on an income based plan. When I graduated my cosigner was in bankruptcy thus resulting in me not having to pay on the private loan. I was never made aware that private loans could not be consolidated with my federal loans, and assumed I was managing my student loan debt as responsibly as I was able. This however changed when my cosigners bankruptcy ended and I was sent a bill for a payment I could not afford. 

Over the past XXXX months myself and my cosigner, my mother have made attempts to contact Navient to discuss repayment options, and have both been told that the only option I have is an " interest only '' repayment. This only lowered the payment by less than XXXX dollars and was still not affordable. I recently sent them a letter asking if other options had become available and was sent a letter back stating they will not discuss it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This collection has been placed on my credit report however, I have no account with this company, nor the company they are saying that I owe. They say I opened an account in XXXX 2017 and currently have an open balance. This is completely false. There is very little detail on my credit report about this and as I do n't have an account with them, I do n't know anything more than what they are posting. According to my credit report it says : Diversified Consultants Opened XXXX XXXX, 2017 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with First Data Corporation (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX. When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Federal student loan) with IMMEDIATE RECOVERY GROUP, INC (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been attempting to contact XXXX. in order to begin a process of rehabilitating my student loans. This is the end of the third week I have attempted to contact them. Each time I call I am referred to the Administrative Wage Garnishment department where a recording asks me to leave a voicemail with my information. I have left several voicemails and continue to call with no reply. They are ignoring my requests because my wages are already being garnished.

Company response to consumer: Untimely response
Consumer complaint received 07/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX Financing the ones that financed the vehicle for XXXX auto at XXXX XXXX XXXX NY. The complains is the vehicle was over priced, also documention is showing different salary income. I realized the payment of {$660.00}. Monthly for a 2013 XXXX not fully loaded. Is too high. After speaking to the dealer, I was told to bring back in 6 months they did nothing, I spoke to the Financers CCF they ask for my income verification, I fax twice to them which proved I am paying beyond the income guidelines. They too only have empty promises. Eventually they did nothing and this is wrecking my credit because I am not able to properly make payments. Need urgent help. I can be reached at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (CA).
Issue: Adding money

Complaint: Hello, I am writing to make a complain against Paypal XXXX and XXXX XXXX XXXX XXXX which dealying adding money to my account and holding the money for a week without any progress ( PayPal Ticket # XXXX ). 

On XXXX ( Mon ), I bought XXXX PayPal cash card ( each with {$500.00} XXXX and tried to load into my PayPal account. The loading failed with " my cash card error code = XXXX ''. I retried several time and all failed with the same error. Then I called customer service in the evening and a ticket ( # XXXX ) was created. As requested, I emailed them immediately after the phone call the pictures of my driver license, front and back of the receipts and PayPal cash cards. I was told it somebody should contact me in XXXX hours XXXX 3 business days XXXX. 

But nobody contacted me since then. On XXXX ( Thu ), I called back and was told they received my documents on XXXX XXXX, I should wait for another day. On XXXX ( Fri XXXX, I called again and was told no updates, I need to wait for another day. I wait and called again on XXXX XXXX Sat XXXX, still no news, have to wait. I then called again today ( XXXX Mon ). Still no update, suggest me to call back again tomorrow. 

One week passed, many phone calls, wasted so much time and still no updates. I do n't think it is right to hold the money for indefinite period of time. I have no other choice but to write this complain and hope the issue can be solved ASAP. Thank you! 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have filed XXXX complaints against this company, I received a credit report today the information is still wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation