milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My servicer Ocwen Loan Servicing modified my mortgage as of XXXX XXXX, 2015. My original loan payment was {$940.00}. The new loan payment was supposed to be {$910.00}. The final modification documents was signed on XXXX/XXXX/2015. Whereby, the loan was supposed to be modified to the new {$910.00} short afterwards with the account being brought to a current status. Ocwen input the Principal balance adjustment to the account on XXXX XXXX, 2015 per their transaction history records. But, Ocwen failed to alter my mortgage account to a current status as stated in my modification agreement. I tried paying my monthly mortgage paying on XXXX XXXX, 2015. But, the payment was returned on XXXX XXXX, 2015 due to the servicer showing the loan past due for the XXXX XXXX, 2015 monthly payment. The account was sold to Residential Credit Solutions on XXXX/XXXX/2015 without the problem with the modification not corrected. I tried to talk with my contacts at Residential Credit Solutions in order to get the problem addressed. But, the contacts at RCS stated that the accounts was past due. I needed to pay the account current. I am asking that the account be corrected by RCS. Otherwise, the account needs to be transferred back to Ocwen in order that they can correct the issue with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am a XXXX Citizen, I opened the account with Coinbase and have XXXX invested. Between XX/XX/XXXX to XX/XX/XXXX I went on holiday to XXXX. When I returned back to XXXX on XX/XX/XXXX my account has been locked, I have not been able to log onto my account. Initially there was a warning that they believed I was a citizen of XXXX and asked me to send my passport image to prove I 'm XXXX. I did this on XX/XX/XXXX and since then despite dozens of chasers to them my account is still locked. I am unable to trade, they do not respond to any messages.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: There was a break in and fire at a home i owned that was about to be foreclosed on. I was issued a check for an insurance claim in 2008. XXXX mortgage was a payee, along with myself. 2 months after the fire, the house was foreclosed on by HSBC Bank, which bought my mortgage, along with attorney XXXX at XXXX. The attorney asked me to mail the check to them, and they would sign it and return it. They said it was mine. I sent the check, the never signed nor returned it to me. years later, i find the check is still uncashed and the insurance company is telling me its unsigned and that i need to claim it I begin contacting the attorney, which wont call me back. I contacted the bank several times. I talked to people who identified themselves as XXXX XXXX, XXXX XXXX, XXXX XXXX and more. I contacted them on and off for a month and a half this year to no avail. They ended up telling me they could not help me, i needed a letter from them signing off from the insurance claim, so it could be taken care of. They told me to contact the attorney.. whom i contacted several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Homeowner had Foreclosure mediation with Select Portfolio Servicing Inc. & their attorney on XXXX/XXXX/2014. No retention option has been reached & Select Portfolio Servicing offered Cash for Key to move out for {$3500.00}. Select Portfolio Servicing prepared document for Homeowner to sign & Also mediator confirmed during our mediation that they are going to give Homeowner {$3500.00} when they takes the property. Homeowner 's property has been taken away by Select Portfolio and they never sent payment to Homeowner. We called to the Select multiple times to send us check but they would not send check to Homeowner who 's house has been taken away by Select Portfolio XX/XX/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 11/13/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently checked my credit report, and I have a new inquiry on my credit from XXXX. I DID NOT apply for this. I have previously been a victim of identity theft, and I 'm supposed to have fraud alerts on file with all the credit bureaus. I wo n't this removed. I 've worked hard to recover from previous fraud, and I feel like its happening all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Wells Fargo. I became late with 3 payments due to lack of employment. I had consistent employment up to XXXX XXXX. I was paying my montly mortgage payments. I called to see if I could qualify for a payment plan and filled out the financial paperwork. This was in XXXX XXXX. I had gotten a temporary job for {$18.00} an hour on XXXX XXXX, XXXX. I also have a part-time job I work 10 hours a week. I sent them the paperwork and they denied a payback plan to me. Which is putting the amount I owe onto the end of my payments. I had a loan modification last spring ( not sure on exact date ), so I do n't qualify for that. I knew that going into this, so I asked for a payback plan. So the same day they called to tell me I was denied, I got a new position with the job I am at in a different department making {$25.00} an hour. I have to work to the end of the contract until they can hire me fulltime, so I appealed their decision and sent in more paperwork and they denied me on XXXX XXXX, XXXX. Meanwhile I ca n't make any payments and the amount I owe is growing to {$7000.00} and I am getting frustrated and angry with how I am being treated. So when she called to tell me I was denied, she told me I was denied for a loan modification. I told her I was not applying for a loan modification. The preservation specialist knew what I was applying for. I do n't understand how they got their lines crossed, but again they do it to me. I am very proactive in my life and also was with finding work and communicating with Wells Fargo, but they are not good at talking back to me. Confused!!!!! 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 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On Wednesday, XXXX XXXX, 2015 I submitted a change of address to XXXX ; TransUnion and XXXX XXXX informed me It would notify TransUnion and XXXX. To-date, my change of address has NOT been updated. Old Address was : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and mailing address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Apartment # XXXX XXXX, XXXX XXXX XXXX mailed me an annual free credit report on XXXX XXXX, 2015 with my new street and mailing address which are the same. 
I telephoned XXXX and left countless voice messages to XXXX XXXX XXXX at XXXX regarding the update of my new mailing address but she never returned any of my calls. The XXXX online and telephone system will not allow me to access its system to make the address changes. The last time I attempted to speak with XXXX XXXX was XXXX because I simply tired and gave up. 
The same is true regarding TransUnion I can not access my online credit history to update my current street and mailing address. I also need an annual free Credit Report and free Credit Score from both XXXX and TransUnion. I also need the new toll free telephone numbers for XXXX and TransUnion to Temporary Lift Freeze from my permanent credit history accounts without having to speak with a live representative that will charge me money.

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 12/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX SPS currently has an authorization for XXXX, and a complete short sale package. SPS is refusing to work on this short sale until the Broker from the Listing Agents firm is authorized by the homeowner. This is absurd and unnecessary. The homeowner has NOT authorized this person ( the broker ) to be on the authorization. SPS is claiming the investor is forcing this to be a part of the short sale. The investor does not yet own the property and has no right to determine who is the authorized party. Nor does the listing agent need to be authorized with SPS in order to list the property for sale. 

SPS does these types of delay tactics on EVERY SHORT SALE WE HAVE EVER HAD WITH THEM. Another delay tactic used by SPS- on this file and every file we have ever had with them - is to piece-meal their document requests. In this way, they are dragging out the decisioning process, collecting additional servicing fees, and defrauding their investors. 

We have had multiple investors pull all of their loans and move them away from SPS -- likely they have gotten wise to SPS ' FRAUDULENT ACTIVITIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Auto debt) with NATIONAL AUTO LENDERS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received an extraordinary amount of phone calls fr om National Auto  lenders who are trying to collect a debt. The person who they are trying to contact no longer has the number they are calling. I changed my number and I received the number from my cellular phone company for the person who they are trying to collect money from. They call from several different numbers at least twice a day. The phone call starts out as a robocall asking you to either pres s 1 if you are the person they are looking for or press 2 if you are not. Pressing 2 caus es a disconnect. I have actually looked the company up on the internet and got the phone number for them. I called and explained the issue to them and asked that I be taken off the call list. They said they would and it would take up to  10 bu siness days. That was over a month ago.     I do not owe this debt. I do not know the person who owes this debt. The person who they are looking to collect this debt from no longer has this phone number or is associated with this number.

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 04-10-2017 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Managing the loan or lease

Complaint: Citizens One Banks wrongly clai ms my   XXXX    XXXX  payment has changed from {$600.00} per month to {$650.00} .Last year i submitted auto debits for these higher payments but have since stopped them. I have ( STOP PAYMENT ) letters from the bank for each one auto debit indicating they ( both ) have been cancelled  .The first  dated   XXXX   for the {$600.00} the second dated  X/XX/XXXX  for the {$650.00} payment. My normal monthly contract payment show {$530.00}. On the  Citizens   One  ( website only ) it now wrongly displays {$650.00} per month. On   XXXX    XXXX  and  XXXX   XXXX  it show the correct contract amount of {$530.00}   XXXX  .I did receive a letter from The Chairman  XXXX   XXXX  (  XXXX  ) indicating the payment has been updated but sadly my payments on line ( Citizens  One  ) still showing {$650.00}. When i made my {$530.00} payment it shows a balance of {$11.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient conducted a financial statement to measure whether or not I would be eligible for greater payments at this time. At the end of the statement the woman said, 'it looks as if you have - {$400.00} each month, so how would you like to pay? ', after clearly stating I wo n't even be able to afford groceries this month. The calls from Navient NEVER stop, whether I set up payments for a future date or not. They frequently harass my consigner and I with rude comments, telling my father I said things I have n't and vice versa. One afternoon, they called my father at work ( after I had already set up a future payment ), demanding he pay immediately and he kindly said 'No, I need to talk to my daughter first to see where she stands ' and the woman replied 'so you are refusing to pay? ', he said 'no, never refusing to pay, I just need to see where my daughter stands financially first '. She went back and forth with my dad until the conversation was unbruptly ended by my dad who said she was one of the rudest, most demanding woman he had ever been in contact with. She immediately called me after their call ended stating that my consigner refused to pay and that I must submit a payment immediately to avoid default. I scheduled a second payment because we were threatened with default, which I had to take a cash advance off of my credit card because I did n't have anymore money to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with Convergent Resources, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is stating I owe XXXX and I moved out of the residence XX/XX/XXXX owing XXXX even. As of XX/XX/XXXX it is reporting on my credit as XXXX by XXXX XXXX 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 10/13/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed the collections that LVNV Funding LLC had reported on my credit report. As a result they were removed by LVNV, but less than 48 hours after they were removed from my credit report, LVNV placed them back on my credit report. LVNV reported this as NEW Collections. It is not new collections it is the same that was placed on my credit report before.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (I do not know) with I.C. System, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I will like to request that a investigation be conducted against I C Systems INC, for failure to honor my request of validation of a debt and providing a notification of the debt per the FDCPA. A dispute was filed with XXXX and XXXX circa XXXX XXXX in regards to an account that had previously been dispute and removed by a previous company regarding a debt that is not mine and I have no knowledge. The account number is Account Number : XXXX in the amount of {$440.00}. Per my rights within the FDCPA I request a validation of the debt. My request has not been filled and the company is in violation by not validate the debt within the 30 days allotted per the FDCPA. Yet the account is still showing as a negative account on my credit report, although they fail to validate the debt. 

Status : Collection account. {$440.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. I have not receive any written communication from I C Systems INC informed me that they now have the debt and my right to dispute. The company brought the account without proper validation because it was delete previously and are now reporting a invalid debt negatively which can have on me my and now I request that an investigation is complete for their failure to comply with the 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 05/31/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Wells Fargo & Company, has refused to provide me a referral to Identity Theft Assistance Center ( ITAC ). Because I have been a victim of identity theft I have been subject to significant financial problems and expenses as a result of Wells Fargo & Company failing to provide a referral to ITAC. 

I am demanding immediately, that Wells Fargo & Company provide me a referral to ITAC. My phone number is XXXX XXXX XXXX XXXX and Wells Fargo & Company can also contact me via email at XXXXXXXXXXXX, as well as via physical mail to the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX look forward to working with ITAC XXXX an effort to resolve Identity Theft issues and expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection agency sent me XXXX lettlers where i make a settlement payment of a debt that is not mine.The agency is Midland Credit Management , Inc .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a complaint to Experian, XXXX and XXXX  regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, XXXX  agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, XXXX has failed to follow through on its promise as the accounts still remain. XXXX  failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XX/XX/2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX 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 05/17/2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (MS).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I really just had a question to whether I was being mislead or was it legal. I filed bankruptcy in   XXXX   XXXX  . I soon received a letter from sallie mae saying that I was in default of my loan. I told them that my loan was in deferment. They told me that when you file bankrupt the promissory note was no good. I asked for a copy of the promissory note because I could n't print it. They locked me out of my account because they said I did n't have access since I filed bankruptcy. I asked them can I get someone else to buy the loan they said no because I defaulted. I called my bankruptcy lawyer, he asked for a copy of the promissory note, I told him I could n't get it. He told me that the best thing to do was she what type of payment plan they have because I am responsible, in which I knew this. Sallie mae told me I had to pay  XXXX  dollar down by   XXXX   XXXX   XXXX   and thereafter  XXXX  and it had to be automatic withdrawal. The contract ends every  two year s and you have to renew it. So in   XXXX   XXXX  , I noticed the money was still on the card so I called to see why they have n't took the payment, I was told that I did n't renew the contract. I told them no one informed me that it had to be renewed every  two years . They told me a guy supposed to had called. I have n't received no calls but anyway, I just wanted to know can they do that. I was also told that default would be on my credit for at least  10years. That i s n't fair, just because you file bankrupt does n't mean that should go on your credit especially if I 'm paying in a timely manner as agreed. Also why is my account still lock?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with ERC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I found a collection account on credit report that looked suspicious. Contacted ERC to inquire about collection and ERC could Not locate collection account under my social security number. ERC was able to locate an account with my name and different social and an address I have never lived at. ERC REFUSES TO CORRECT AND REMOVE ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX ) can never seem to find in their system. I want to close it but they are no help 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 explanation