milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Struggling to pay mortgage

Complaint: I have only been with Select Portfolio Servicing for a year, my account transferred to them by XXXX. 
My home burned XXXX-XXXX-17 & I have been trying since that date to get short pay offers approved. 
XXXX did an appraisal after the fire which came in at {$38000.00} BPO. Two different XXXX  representatives promised me that an offer of {$36000.00} on my part would be accepted. I had the call on speaker & have witnesses that the 2 representatives made this statement to me about {$36000.00} ( 95 % of the BPO ) being accepted. 
It was not! 
This company has been sending me default letters since the fire. Prior to the fire & since, I have missed zero payments. XXXX until now I have sent {$4000.00} in payments to XXXX while being homeless due to their threatening mail. My mortgage payment is supposed to be locked in on a permanent modification at {$490.00}. 
I sent {$1000.00} that I did not owe in the past 45 days to stop the daily default notices & constant collection calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputing several accounts with Experian for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Experian are violating my rights under this law. I sent out two separate letters to Experian and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Collection Account : XXXX XXXX opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Account opening, closing, or management

Complaint: I have been long time client of HSBC Premier Banking in the US. Apparantly, starting in XXXX of 2016 HSBC started charging me {$50.00} a month for a checking account. I received no notice from HSBC about this change, either USPS or email. They only contacted me once they put the account into an overdrawn status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I received a letter stating that the XXXX XXXX XXXX account in not currently reporting ... yet I still see that it is reporting. If it states not reporting then it should not still be on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I called Transunion and XXXX to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of 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 02/19/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to National Collegiate Student Loan Trust XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few hundred dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Medical) with Frost-Arnett Company (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Frost - Arnett Company keep calling my college daughter and will ask for me. They had no right getting my daughters call number from XXXX XXXX since the bill was n't for she. I am on a payment plan for {$25.00} they call me all the time before the corrected hours to call consumers. They wo n't give their names when speaking to me. There is never any notes! They demand to know my employers phone number but because I work in a XXXX I ca n't get calls. I want them to stop calling my daughter. They had no right getting her cell number. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a XXXX private student loans with Navient. Every month that I make a payment a different amount is paid to the priciple vs the interest. For example if my monthly payment is {$400.00} then only {$50.00} would go to my priciple and the rest to interest and vis versa for the next monthly payment. I 've also tried to get lowered payments with them but they make it extremely difficult to do so. I 've also tried to get my consigner released but a very rude customer service agent told me that they can only be released when I pay off the loan, which makes no sense. They have terrible customer service, despite the fact that I 'm on a payment plan, the first thing they ask when I call them is how would you be paying your past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies .. XXXX ,  XXXX , and Transunion.     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed,   XXXX   and Transunion still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have   XXXX  pu blic record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by  XXXX  since  XXXX  of   XXXX  . According to FCRA law : " This information is generally removed  seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters   XXXX  ,  XXXX  and   XXXX    bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past du e remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since  XXXX    XXXX   which is now 16 years and 6 years past the legally permissable reporting criteria. However    XXXX    continues to report this information which is a violation of my FCRA rights and  State law.  The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX months, I called SLS Mortgage Servicing to find out why they were not reporting my mortgage payments to the credit bureaus. They stated that my husband and I were still in bankruptcy. We filed bankruptcy in XX/XX/XXXX and reaffirmed with XXXX Mortgage at the same time. XXXX is no longer in business and our paperwork must have been lost. 
SLS is now our loan servicer. So we wrote a letter and included a copy of the reaffirmation paperwork to SLS. 
However, we received a letter from SLS dated XX/XX/XXXX, that upon researching our account they found no errors. 
they failed to mention our reaffirmation. We submitted our reaffirmation and have been steadily been paying every month on time in full. We can not refinance we can not prove that we have been submitting payments and have no credit scores. We need them to report our payment history. We are not asking for much. PLEASE HELP US.

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 03/30/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a modified mortgage in XXXX and my payments kept going up and I was having trouble making those payments. I am a XXXX, I could be working one day and out of work for 8 months. This job is very unpredictable. XX/XX/XXXX I was given a forbearance loan and made all the scheduled payments. I did not realize it was for only for 12 months. I made the payment in XXXX and XX/XX/XXXX at the forbearance rate. I tried making XX/XX/XXXX payment and was told I was in foreclosure since XX/XX/XXXX. I have not received any notice of foreclosure. They said I have to " repay '' the overdue balance as stated in the forbearance agreement. I went thru the agreement and there is no such statement. My wife keeps in contact with Bank of America regularly. She is not listed on the mortgage but does all the work with them for me. When my wife went thru the forbearance contract it stated that after the forbearance period the payments would return to normal. There was nothing in there about making a payment for an overdue balance. My wife spoke to the manager in charge of my mortgage. He accused of her of not being able to read and understand the paper work involved in the contract of the forbearance. She asked him to send her a copy of the paper that states the balance must be paid at the end of the forbearance period. He stated he could not because one does not exist. He also told her that she could not speak to any one else but him. If she called she had to have the representative get in touch with him immediately. My wife is not on the mortgage and she received a bill in the mail in her name only for {$11000.00}.

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 03-02-2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: I have numerous times requested my PMI to be removed. The company continues to state my LTV must be under 78 % from the origination appraisal. The company has never been able to supply me with the origination appraisal, yet they state the amount is {$130000.00}. I have a current UPB of {$100000.00} as of my last payment made on XX/XX/2018. Through every calculation I have found to determine the Loan to Value, including the XXXX XXXX  website directly, this shows my LTV at 74.6  %, which is well below the 78 % requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 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: Credit inquiries on your report that you don't recognize

Complaint: XXXX allowed XXXX Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and also by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. 
I have written both companies twice on XX/XX/XXXX and on XX/XX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Dear Sir/Madam, I previously notified Capital One bank that I am a victim of identity theft, and requested that you do the following : Remove all unauthorized charges on my account, and Take steps to remove information about my account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my account ending in XXXX were used without my authorization due to identity theft and was charged for the total amount of USD XXXX. I did not authorize these charges, and I request that all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Identity Theft Police Report. Because the information you are reporting isthe result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B  ). I ask that you take these steps as soon as possible. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TRANSUNION is reporting XXXX on my credit report this is not mine

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 03/17/2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: On XX/XX/XXXX I received a XXXX Cancellation of Debt from Wells Fargo with regards to credit card account XXXX - Cancelling a purported $ XXXX.- I filed my tax returns and added that amount to my income for tax year XX/XX/XXXX as advised by my accountant, and thus ended up having to AMEND my tax returns and incurred a tax liability greater than normal due to the extra income being reported through this XXXX. 
My grievance, to which I 've communicated in writing to Wells Fargo and the XXXX Major Credit Reporting agencies is that they continue to report a past due balance on my credit report even after I 've given proof of the XXXX that clearly shows the debt has been cancelled. Therefore NO BALANCE should be reporting. 

I have done research on the topic and would like to advise both the CFPB and WELLS FARGO that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( Bankr. Ct. XXXX XXXX XX/XX/XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX Dist. Ct. XX/XX/XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX Super. Ct. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). 

" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: They keep changing the there fees and what they are charging me. I gave them all the correct figures when we started and they have now changed the figures 3 times and the points and lender fees rose from {$2800.00} to {$7100.00}. I called multiple times and spoke to a manager and he said he would change it back but then they raised it even more.

Company response to consumer: Closed with explanation