milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have a adjustable rate mortagage orginated by XXXX financal purchased by XXXX XXXX XXXX and serviced by slect portfolio servicing my orginal mortagage payment was {$940.00} a month was raised to {$1100.00}. I had to go through a bankruptcy during the bankruptcy trustree made over {$27000.00} worth of payments on the mortage I have been unable to find out how and where they we applied. I have recived XXXX small settelment payments from the suit the goverment brought forth aginst XXXX XXXX XXXX. It was my understanding that as part of the settlement they hade to offer me a loan modification at market rate.XX/XX/XXXX I entered into a loan modification agreement. Made my XXXX payments totaling {$4100.00} I was sent a modification agreement of {$1300.00} per month at an 8.78 % interest rate when market rates were 2.75-3.25 % I told them this was unacceptable. I told them I would only accept an at market rate as there settlement provided for. I was promised by there repesentive they would work this out. I was asked by slect portfolio servicing to resubmit the modifaction paper work XXXX times which I did then they would switch my loan servicer which the did no less than 16 times from the time I filed the orginal modifaction agreement to the Present Date XX/XX/XXXX. All the while they would say they were missing paper work or it was expired or I would have to start over with a new servicer It got so bad I got my attorney involved and he submitted my paper work no less than XXXX times he always got the same answer as I did something was missing or we got a new servicer.Seeing how I would not go away they tried a new approch they failed to pay my property taxes for 3 years XX/XX/XXXX-XX/XX/XXXX even though they charged escrow for the amounts my home went threw a tax forclosure sale XX/XX/XXXX and I had until XX/XX/XXXX to pay the redemption amount. I notifed select portfolio servicing of this fact the said they were aware of it and would see what they would do. Fearing I would lose my home I paid The redemption amount to save the house on XXXX. They did not pay the taxes and my next communaction XX/XX/XXXX I got was from XXXX and XXXX that they would be foreclosing on my home. I disputed there claim. I have not heard from them seince. These people have done nothing but harass me and tried to use fraudlent means to take away my home. The Federal Goverment has punshed XXXX XXXX XXXX and Slect Portfolio Servicing for this very thing.

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 06-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: in XXXX I received a private XXXX XXXX loan, which was serviced by Navient. After XXXX XXXX I fell behind on all of my loans because I was unable to find a job. I 've since brought all of my loans current. However, I was unable to work with Navient at all and they charged off the account in XXXX, XXXX. They called both me and my elderly mother insistently and told her they were going to take her house away if she did n't pay. As a result she paid Navient {$5000.00} in XXXX, XXXX. Since XX/XX/XXXX Navient has reported the account as a charge off -- however every single month they renew the account on my credit report with an increase in the balance. The account is currently reported as a charge off and the balance has increased to {$16000.00}. In XXXX, XXXX I contacted Navient to see what I could do about this loan since despite very hard work to improve my creditworthiness my credit score can not improve because of their continued reporting. I left them a message and my call was returned by a collection agency. I was able to negotiate a settlement with the collection agency and paid the settlement amount in full. However, in XXXX, XXXX Navient again reported the account as a chargeoff with a balance increase of approximately {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I specifically made XXXX purchases the last day of my billing period for my American Express in order to reach the XXXX purchases required to get 20 % extra benefits for that month. For some reason, even though I did all three purchases back to back for different things online, only XXXX posted that day and the third did n't post until the next day so it shows that I only got to XXXX with the third counting towards the new cycle. It was a big spending month which is why I made that extra effort to get the additional points by making those purchases. On the phone they told me that because my purchase was done in California on XXXX XXXX but Mountain Time XXXX XXXX, it counts as XXXX XXXX because there is a clause that says this somewhere in the cardholder agreement they sent. HOWEVER I just got off the phone with XXXX to see what time the purchase was actually made, since the customer service rep at AMEX was telling me it was past XXXX Mountain Time, and she informed me it was made at XXXX on XXXX XXXX Pacific Time. That also makes sense why the other XXXX purchases I made right before that XXXX were in the billing cycle I wanted them in and not the XXXX XXXX one. I bought those within less than thirty minutes before the XXXX purchase. And just to add to this, on their website ( AMEX that is ) it says on the page that shows your rewards progress : " To count purchases for this benefit, we use the date of the purchase. For example, if you make a purchase on the last day in your XXXX billing period, it might not post to your account until your XXXX billing period. If this happens, the purchase still counts towards your XXXX billing period. '' That is proof I am at least owed that purchase counting for XXXX XXXX and not XXXX XXXX which would put me at the XXXX purchases I need for the rewards benefit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have had a XXXX XXXX XXXX store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from XXXX XXXX and was affecting my credit score for example XXXX XXXX XXXX and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that XXXX XXXX would not do it due to the length of time. I then called XXXX XXXX they told me that they had no such request logged on there system and was told by XXXX XXXX  that if the card was in good standing they would report the information correctly. So i can only assume that XXXX XXXX /XXXX are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XX/XX/XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XX/XX/XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all three credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only XXXX mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than XXXX mortgage. We asked to have them provided so we could rebut them and show that it was false, but Suntrust refused. As of today, the appeal was again denied on erroneous and unlawful grounds.

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 06-10-2017 about Debt collection (Other debt) with JH Portfolio Debt Equities, LLC (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Earlier this year i endeavored to resume working on my credit since i have been stable for a few years. In that process i have paid off items in collection, etc with the exception of an account (  JH Portfolio Equities #   XXXX   XXXX  :  XXXX   XXXX    XXXX   XXXX   XXXX    ). T he reason is because upon my first contact around  XX/XX/2017 , I received wildly inaccurate information from their collector,  XXXX   XXXX   XXXX . I was referred to as "  XXXX   XXXX  '', who i am not, i was told my DOB was  XXXX , which it is not. I was asked to pay on a debt outside what is legally allowed within the statute of limitations ( an unrelated account ).   Since that time and for good reason, I was able to get  XXXX  to close their file regarding that account and return the debt t o JH Portfolio Equit ies. I have a letter from  XXXX  dated  XX/XX/2017  stating such. On  XX/XX/2017   JH Portfolio Equities u pdated their report to the credit agencies.   My issue is that i still have not received an explanation as to why that accounts reported balance decreased when i have NEVER made a payment. Additionally , JH Portfolio Equities i s currently reporting a derogatory collection account while refusing to take payment ( i offered on  XX/XX/2017  ) and having no available 3rd party agency to process said payment or negotiations.

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 05/23/2017 about Mortgage (VA mortgage) with WATERSTONE MORTGAGE CORPORATION (WI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I started my loan process w ith Waterstone Mortgage wit h the office in  XXXX , WI with  XXXX   XXXX  and  XXXX   XXXX . That office was shut down without notice by  XXXX   XXXX   Branch Manager.  My file was transferred to  XXXX   XXXX  out of the  XXXX , WI office. Documents went missing that had to completed a second time. After a bunch of running around during the extended time frame I was having to try to get IRS transcripts. I am a  XXXX  VET that lives on my  XXXX . I have n't filed taxes in 15 years and they denied me based on this fact. I tried getting the transcripts online for the last  three years  that stated what I did n't file and was n't able to get it. I called the IRS and was on the phone for hours as well as online. When all attempts by me failed as well as  by Waterstone. Th ey came back then and tried to tell me that I did n't disclose a second vehicle so now I was denied based on the debt to income ration. Everything was disclosed to the  XXXX  office. It 's not my fault that that office was shut down without notice and my documents were lost, misplaced, or misfiled. On top of that  Waterstone   XXXX   XXXX  shared my confidential financial information to the listing agent. This created increased stress and tension with the seller.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 sen t three certif ied letters to   XXXX   XXXX    and TransUnion informing them that there are accounts reported on my credit file that belong to a person with a different name.  Somehow my credit file got merged with someone with the last name  XXXX .  My last name is and has always been  XXXX   I have called every week to a ll three ag encies and have removed  20 addresses, 17 phone numbers, two social security variations and several employment   references that were not mine.  There w ere 39 collecti on accounts reporting that belong to someone else and also a public record.  There are student loans, accounts from   XXXX   XXXX   XXXX   XXXX   XXXX   (who does not have a license to collect debts in NY) and   XXXX   which belong to another person.  I have demanded that all these accounts be removed from my credit file immediately and the credit bureaus are not conducting independent investigations and are not removing these inquiries and accounts that are not mine.
  How can a debt be verified as mine and it is not even my name nor referenced to my identifying info like my address? I have been diligently working on this since  XXXX   
  
    XXXX   is refusing to remove the name   XXXX    from my credit files and has my real name listed as an alternative name.  I have sent them a copy of my driver license, birth certificate and social security card proving that my last name is  XXXX  and I have asked them to remove  XXXX  and any references to that name and accounts under that name from my credit file and they have refused to do so. This has been ongoing for five months and I am at a loss as to what to do. I have disputed these erroneous reports and information and they just do not care.

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 02/23/2018 about Mortgage (Conventional home mortgage) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Trouble during payment process

Complaint: Hunting Bank Paid from my escrow account a non bill insurance Declaration Page statement. putting my escrow in to a seriously negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with MicroBilt / PRBC (formerly CL Verify) (AL).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Stole my identity through fake emails

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (OR).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have been trying to implement a credit freeze through Equifax for over a week. The only two options I have been supplied with are through an automated call service and an online portal. I have tried both methods multiple times and each time the system said it was unable to complete my request, in spite of the fact that I followed all of the steps and supplied all of the correct information provided. 

When I called their support line, they would not provide me with a number to contact anyone in Equifax who could verify the freeze or could help me resolve this issue. Twice the customer service rep simply hung up on me. 

I was able to enroll in their Identify theft program but even on that site, it shows that there is an error on my account. There is a customer service number listed but when I call, I only get the signal indicated the number does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was a medical bill placed on my credit. I contacted the insurance company and they paid the bill to the collection agency. I filed a dispute to have it removed from my credit report. The collection agency sent me a notice on XXXX/XXXX/XXXX that this would be deleted from my credit. It has been 60 days and I checked my report and it is still there. I submitted another dispute on XXXX/XXXX/XXXX to Experian ( XXXX ) to have this deleted and offered the paperwork. I was sent a response in & lt ; 24hour by Experian telling me this will remain on my credit up to 7 years. I have also submitted disputes to XXXX for the same cause. The reporting agencies have refused to remove this from my credit report even though the debt was really due to the insurance company and not my failure to pay the bill. The insurance company has satisfied the debt so why am I continuing to be punished. This process has delayed me from obtaining a mortgage credit, whereas I have not had this problem in the most recent past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a CitiGold Checking Account with Citi Bank and was enrolled in a promotion to earn XXXX XXXX XXXX miles after a specific set of requirements was met. This was in XX/XX/XXXX I believe. I fulfilled the requirements for the bonus in XX/XX/XXXX and, after I contacted Citi, was informed that I had indeed earned the XXXX bonus miles and they would be credited to my account within 90 days. Now, it has been over XXXX days and I still have not received the miles. I have talked to several representatives at Citi and none were able to resolve my issue. It now appears from they way they are handling the situation that they are not going to issue me the miles at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Mortgage (VA mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender CitiMortgage is refusing to allow me online access to my mortgage account.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In XXXX i submitted a dispute to ALL three credit bureaus. XXXX, Equifax and XXXX. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. XXXX removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and XXXX hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. XXXX needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report. 
XXXX ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
Equifax replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX XXXX multiple accounts ) XXXX XXXX multiple accounts ) XXXX XXXX EQUIFAX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!

Company response to consumer: Closed with explanation