milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (GA).
Issue: Trouble during payment process

Complaint: Chapter XXXX filed XXXX ; Loan previously with XXXX XXXX. During the chapter XXXX the house payment was raised from XXXX to XXXX without any written notification and/or notice during the bankruptcy. I continued to pay XXXX. The Chapter XXXX was discharged XXXX/XXXX/XXXX. The only info received from XXXX was prior to the discharge XXXX XXXX that stated my payment would reduce from XXXX to XXXX eff XXXX/XXXX/XXXX. NO back balance was indicated. Then the loan trans 'd to Selene Finance XXXX/XXXX/XXXX. I was not made aware of the transfer until XXXX/XXXX/XXXX. Selene Finance would not even discuss info with me until XXXX/XXXX/XXXX. Advising my attorney would not give " verbal '' release that they no longer represented me. I had already faxed court order discharge papers, but this was not accepted by Selene. When they finally begin to speak with me on XXXX XXXX, they advised I was 18 payments behind for over {$12000.00}. This was not only a shock to me but I had nothing from XXXX nor from anyone else with this information. I then requested research on XXXX/XXXX/XXXX from Selene Finance. They want to tell me I am behind but to this date they have yet to send me how and why this amount is owed. They advised me it would take over 2 months to do research but would still have to pursue foreclosure if this amount was not paid by XXXX/XXXX/XXXX. I can not get anyone to call me back, they have no answers ; I have been told it is my fault, etc. I have made a total of 13 phone calls to try and get this resolved. On XXXX/XXXX/XXXX loan modification papers were overnighted to Selene finance in order to try and save my home, but I have still have not heard any updates. I truly feel that they are purposely delaying research in order to foreclose on my home. Something is just not adding up. I have tried and tried my best to do what I feel is right to try and get this all in order. But so far this new finance company is not working with me. I am not sure what else to do. Any assistance in this matter would be a great and wonderful burden off my shoulders. I have been fighting now for almost 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2008, Wells Fargo forced us to foreclose on our home located in XXXX, CA. We did everything we could at that time to get them to help us but we were not offered any assistance at all. At one point, a representative told us that since we were behind a payment the best thing to do would be just to move out of the house and not risk the police kicking us out! We begged them to work with us to allow us some sort of modification but they told us there was no alternative to paying the full balance of past due and currently due amounts owed. I called Wells Fargo every day for a period of 2 weeks to try to get someone that may handle things differently but each representative said the same thing to us. There is no option other than short sale or foreclosure. We ended up moving out and the house was auctioned in a foreclosure sale.

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 07-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Throughout the last year I have attempted to login to my NAVIENT account and make payments, schedule payments and review accounts. My login information was inaccessible and I was unable to recover login info by my date of birth and social security number. Their system says there is no loan corresponding to my identification. My interest continues to grow and all representatives ive spoken with confirm over the phone that I have accounts but I am unable to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX student loans keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.

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 05/16/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have an old account from XXXX financial svcs that is past the 7 year reporting period. XXXX has renamed the debt and continues to report this debt years after it should have dropped off my credit reports. I have disputed the debt with both Experian and XXXX on numerous occasions but it has not been removed. I have an old Experian credit report dated XXXX/XXXX/XXXX that shows it was to be removed in XX/XX/XXXX. That account name was XXXX XXXX XXXX. Today the same account has simply been renamed and is being reported on my Experian credit report as XXXX. XXXX is also reporting that I filed a chapter XXXX bankruptcy. I have never filed for chapter XXXX bankruptcy. I would like to have this removed. I am applying for a home loan and this re-aged debt is causing the mortgage lenders to deny my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax Information Services LLC XXXX XXXX XXXX, XXXX XXXX CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX FALSE INFORMATION ON CREDIT REPORT SEE ATTACH UCC 11 SEARCHES SHOWING TO NEITHER LIENS NOR ANY DEBT refuse to issue full credit report ON CREDIT FILE XXXX/XXXX/XXXX I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

1. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX $ XXXX-See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX {$11000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX SUPRM CT ID XXXX Date XXXX XXXX {$32000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date Apr XXXX over the 7 year period for reporting also See UCC 11 SEARCH herein Attach no liens filed NY XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XX/XX/XXXX {$26000.00} Federal tax lien filed. Please See UCC 11 SEARCH herein Attach no liens filed NY XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XXXX XXXX {$93000.00} Federal Tax Lien filed but Search of UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Sign under penalty and pains of perjury 28 USC Section 1746 ( 1 ) ( 1 ) If executed without the United States : " I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Dated XXXX/XXXX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX TRUST CONTRACT XXXX clear violation of the FDCPA act. You are within your rights to sue them for damages in small claims court for these violations.Intend to file a basis of Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Equifax on numerous occasions concerning all the inaccuracies that I 've disputed on my credit file for re-investigation and after several times, finally so I thought everything was deleted for good that did not belong to me. I received a letter in the mail XXXX/XXXX/2015 stating that Equifax has added the Bankruptcy back to my credit file. I did have a fraud alert on my credit file with all XXXX of the credit reporting agencies that lasted 90 days. I am outraged and want something done concerning this issue. I would like to see were my name is on the bankruptcy papers. I am also filling a complaint against Equifax, XXXX XXXX and XXXX for not updating my credit score that I have work so hard to bring up. I sent all XXXX credit bureaus certified mail receipts out on XXXX/XXXX/2015 and still to this day, have not heard any response back from them.The only response I received back was Equifax stating they have added the bankruptcy back to my credit file. They are breaking the law with the Fair Credit Reporting Act ( FCRA ). Not only them errors but because of all XXXX of the credit bureaus did not update my scores, it has caused me denials of applying for credit again.This has really hurt me in more ways then XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Managing the loan or lease

Complaint: EX SPOUSE WAS ABLE TO OBTAIN A LOAN IN THE AMOUNT OF XXXX ORIGINALY ASKED FOR XXXX. WAS SPOUSE AT THE TIME OF THIS LOAN. I WAS NOT AWARE OF THIS LOAN. FOUND OUT AFTER WE SEPERATED IN 2014. SHE WAS ABLE TO DO THIS ALL OVER THE COMPUTER. HER AS THE PRIMARY AND ME AS THE CO/ BORROWER. HOW IS A BANK ABLE TO DO THIS WITH OUT PROPER AUTHORIZATION. AND IT WAS DONE USING MY ALIAS. WHICH I NEVER DO ON LEGAL BINDING THINGS THAT REQUIRE AN ID, I DID NOT Authorize, or take out this loan. HOPE YOU CAN HELP.

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 10/13/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband & I have been living in our home for going on four years. We have received our mortgage from XXXX XXXX in XXXX, Il. They kept our loan for about 8 months & it sold to XXXX. For the last four years our taxes have NOT been paid on time. Which has resulted in a headache and worry for myself and our family. Our name has been put in the paper for something we can not control. We have escrow & I am sick and tired of having to fight & deal with this problem every year. Our mortgage now is with PennyMac who I dealt with this situation last year. When I spoke to the representative I asked the CSR if I needed to send the tax bill to them next year to fix the problem I was told no & assured that this would not happen again. I am sickened & thoroughly annoyed with this situation. We have escrow so I do not have to worry about situations like this occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I initiated a withdrawal on XX/XX/XXXX from Coinbase Inc. I  received an email once I made my withdrawal, saying : " On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$640.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$640.00} will arrive in your bank account by XX/XX/XXXX. 

Withdrawal reference : XXXX '' The money did not show up on the XX/XX/XXXX. I called my bank asking if there were any pending deposits, and they said there was not. 

I contacted Coinbase support on XX/XX/XXXX via email. I send an email the the addresses XXXX,  XXXX, and XXXX. Turns out I mistyped wiresupport, and the email address is XXXXXXXXXXXX. However, the other emails were valid. In response to this I received an auto generated message saying my report was received. 


No worries, I corrected that and send another email on XX/XX/XXXX to the addresses XXXX, XXXX. This is what I put : " 'On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$640.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$640.00} will arrive in your bank account by XX/XX/XXXX. 

Reference number is : XXXX ' I typically send money to my savings account, but this time I sent it to my checking account ( ending in XXXX ). I called XXXX XXXX and they said that should n't be a problem and the wire should still go through. 

Please resolve this. {$650.00} may not seem like it 's a lot but it 's a lot to me .... : ( " Turns out XXXX is not a valid email either. Since then I have not received anything besides an automated response from Coinbase with nothing in regards to this. Just a typical Coinbase auto email.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor XXXX XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.

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 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: " Earn  XXXX  points '' after you spend {$2000.00} in purchases with the card in the first 3 month from account opening ''.   I opened my  XXXX  Credit Card with Chase bank in  XXXX     2016  and spent well over {$2000.00} in the first 3 months, however was not credited with the promised  XXXX   XXXX  points! I applied via a email link with invitation code for that offer.  Chase instead just gave me  XXXX  free nights which is only 40 % of the value of  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Navient loan company has been calling me repeatedly requesting me to repay my loans. I am XXXX and earning no income so I am unable to repay currently. In addition I just had a baby so I have been exhausted from caring for her. They will call sometimes every hour and have even woken the XXXX. Yesterday they threatened to call the police on my dad and today they told my husband they would ruin my credit. I am so tired of being harassed. I know I need to repay the loan and I will as soon as I begin earning income when I XXXX from XXXX school next year.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Financial Credit Network Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter stating that I owe an amount on this account. I ran my credit report recently and I found it listed by  XXXX   XXXX   XXXX , and had it investigated and removed. They have now sold it to you so that you  may have a chance to make a few bucks.    I have never lived at the address in question and have no intention of paying you or anyone for a bogus reporting of information.   Therefore, I ask that you cease and desist any and all actions on this. Failure to do so, I will fill a complaint in small claims court against your company and report this fraudulent information to all concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: cash central loan was bought by another creditor and paid off yet it is still showing on my XXXX and XXXX credit reports as a negative 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 07-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have continued to write XXXX XXXX XXXX XXXX XXXX and Convergent Outsourcing Inc., requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of Convergent agents, telling me that they are going to report me to the XXXX were I am employed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with Preferred Collection and Management, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have already lodged a complaint but apparently i did n't word this correctly. According to the law Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. I watch my credit and everything owed very very well. I have management services and monitor my credit weekly as my soft inquiries will show you. I was NEVER contacted about this debt until it was reported on my credit. At that time, i disputed because some other Medical Bills happened to come thru as well that i started a payment plan on with the same Medical Facility. Once the dispute came thru i received my first piece of mail from this company. They obviously had my address, and when i called to have them correct the issue properly they knew who i was by my telephone number. This is " parking '' debt and its not fair to the consumer which the cfpb seems to hold strong ground on. Again, as stated before. I know this is my debt and i know its something my insurance should have paid. I will in righting here agree to settle, start a payment plan until the insurance pays what they should, but thats only when this company does this correctly. The day they remove this from my report and do this legally is the day you we start a payment plan to settle this. Parking a debt is illegal and damaging to the consumer. This is my last attempt before retaining my council.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Upon reviewing my credit report, I notice XXXX XXXX XXXX, reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. Since I was not the rightful / legal owner of the XXXX XXXX XXXX. Due to XXXX XXXX XXXX dealership illegal activities during the sales transaction. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have XXXX or even had XXXX some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15.00}, XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Desired Resolution / Outcome Desired Outcome : Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.

Company response to consumer: Closed with explanation