milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SPS is violating California State Law and Federal Law in the handling of my short sale for my property. 

Complaint # 1 - Denied Access to Relationship Manager. 
1. ) When I call SPS I have been repeatedly denied the ability to speak with my assigned relationship manager XXXX XXXX at XXXX. When I request to be transferred to her by the automated system I am sent to the Customer Service department. When I request the Customer Service representative to speak with XXXX XXXX I am told that she is not available. When I ask to leave her a message I am informed she does n't have voicemail and there is no way to reach her other than for the Customer Service representative to send her a task. Most Recently XXXX XXXX at XXXX denied me access to my Assigned Relationship Manager. 

Complaint # 2 - Violation of HAFA short sale timelines and intentional delays to defeat my rights to short sale my property. 
1. ) On XXXX XXXX I called for an update and was told that the short sale was on hold pending documentation clarifying the names between the listing agreement and the settlement statement. 
2. ) On XXXX XXXX I emailed the documentation to SPS which included an updated Settlement Statement, a copy of the Trust Documents clarifying the trustees and the grant deed showing the transfer from our personal names to our trust. 
3. ) On XXXX XXXX I called to make sure the documents were received and was told they had been received but not processed. 
4. ) At the end of the week of XXXX XXXX I called again and was told the Settlement Statement was reviewed but the other documents were not reviewed. 
5. ) On XXXX XXXX I called and was told that all documents had been reviewed and the file was complete and being reviewed by underwriting. 
6. ) On XXXX XXXX I called and was told that the short sale was denied on XXXX XXXX since the buyer had been changed and a new file would need to be created. The new buyer contract had been sent more than a month ago yet on none of the calls that I had placed in XXXX did anyone from SPS mention that I would need to create a new file. 
7. ) On XXXX XXXX I called SPS again and opened a new short sale file by speaking with XXXX XXXX. He also said that XXXX XXXX is going to call me back within XXXX hours. 

At this point after more than a month of SPS delays I am about to loose my XXXX buyer on this property. My XXXX buyer walked away after waiting 45 days for short sale approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Other mortgage) with FREEDOM MORTGAGE COMPANY (OK).
Issue: Settlement process and costs

Complaint: In XXXX XXXX we purchased a modular home on XXXX acres address XXXX XXXX XXXX XXXX XXXX ok XXXX. XXXX Mortgage was lien holder of this property. when loan was paid we never received a lien release and did not realize this till we sold our home and went to close on XXXX XXXX, XXXX that their ( XXXX/Freedom ) name was never taken of title. XXXX is now/Freedom Mortgage ( the Lien was in XXXX and XXXX XXXX name ) I have been in contact with them multiple times and just last week they finally sent me to a place called XXXX they said give them 5 working days today is the fifth day and no response I have submitted paper work to them showing where the loan was paid and as of today have not gotten a lien release. I am not sure how long my buyers will wait.

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 06-04-2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Hello, I have a complaint with Flagship acceptance, which is a loan company that we have. we have only been in this loan for almost a year. XXXX will be a year, my husband filed chapter XXXX and discharged from it, and I need a car and he went to couple of dealerships and they were all willing to sale him a car but they all wanted to put him in a high interest loan. I was turning in a lease that I was previous driving. so he landed at XXXX XXXX in XXXX Ga. the sales and finance people there told him he was going to have to pay this high interest rate because of his filing. we now have a 20.85 % percent rate that we ca n't trade out of not even with them. they do n't even want their own product back and flagship claims on their website that costumers should n't be more than just a credit score. and that their PAST should n't DICTATE their FUTURE. I just was making a payment on the loan we have and felt taken. we have a car that 's only worth XXXX or XXXX and we owe XXXX dollars where we are only paying pennies to the principal. I 'm just tired of these loan sharks that prey on peoples who are in need. I know this kind of thing happens all the time this is just a form punishment. XXXX XXXX XXXX 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 06/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This so called firm  XXXX  and  XXXX   XXXX , together with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 years in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying to collect a zombie debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have federal loan payments through Navient. I have had this for two years now. The first year everything was fine. I submitted for pay as you earn payments and it was good at the beginning. At the XX/XX/2016, I filed my taxes and submitted the forms ( just like I had done the year before ). After not receiving any reply I called them two weeks later and they told me they never received the information. Which seemed strange to me since I had already done this the year before. Because the payment was extremely high and I was not making much money at the time, the woman working for Navient told me I should put my bill in forbearance. Although I did not want to do this, I also did not want to make a payment that was way higher than I should be making. I resent the information to them and again after not hearing any reply from them I called them three weeks later and they told me ( again ) they never received the information. I told the representative that is must be on their end that they are not receiving it and she told me that I should try to do it online. Again she was extremely quick to want to throw my loans in forbearance and told me that there is no penalty for doing so, that it was just tact onto my payment duration on the end of the loan cycle. After already being through 4 months of the XX/XX/2016 year I tried doing it online. And AGAIN, after not hearing any response I had to call them and they told me that I submitted the forms wrong and had to do it again. At this point I knew something was wrong because I did not do anything wrong I triple checked everything to make sure. She told me that the only option we had was to put it in forbearance again. Thinking that there would be no penalty I agreed to do so until they figured out what was going on. The fourth time I tried it I never received a reply and could not get ahold of anyone. They constantly switched me back and forth to different departments and I received no answer. I then went to look at my account and my original loan of XXXX was now it is thousands of dollars higher than what it was. I had no idea what to do because I can not get my forms through to this company and they just keep avoiding helping me. I saw online yesterday that Navient has a lawsuit against them and I read thousands of other people are dealing with the exact same thing. So they have tacked on thousands of dollars to my once original XXXX, and have lied to me about not receiving my information. At this point I am stuck and have nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed XXXX fraudulent inquiries by XXXX ( XXXX Bank ) and Transunion has refused to remove. XXXX has sent me a letter indicating that they were requesting for Transunion to remove the fraudulent inquiries and they have yet to be removed. I am attaching the letter from XXXX to delete the fraudulent XXXX inquiries from my credit report.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: sent police report and idtheft protection cra violation inaccurate information

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 04/30/2017 about Debt collection (Other debt) with Atlanticus Services Corporation (OR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am in dispute of the balance owed on this account. I have requested a copy of my signed loan agreement twice on the company 's website, and have received neither acknowledgement of my request or the document itself.     I received a collection call on Saturday,  XXXX  from phone number  XXXX . I informed the agent, whose name I could not understand, that I would bring the account current on  XXXX   XXXX  ; I am currently late on the payment due  XXXX   XXXX ,  XXXX .     I told the agent that I had requested a copy of my loan documents on the web, and that I had not received them. I asked the agent to provide a copy to me, and he told me that I could not have a copy of my loan documents until I brought the loan current.     I do not receive monthly statements from this company. A review of the statement history online reflects that I have been assessed a monthly " interest charge purchase '' since  XXXX ,  XXXX , totaling over {$600.00}. I do not understand why this charge is being added to my loan balance.     I feel that this refusal to provide me with a copy of my loan documents is an attempt to prevent me from verifying that I am being overcharged for this loan. My record of payments made shows that my open balance is much lower than what the company says I owe. I wish to have the original docs so I can verify my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I was part of the Trans Union glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response.

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 03/19/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XX/XX/XXXX I received a call from XXXX with XXXX XXXX XXXX offering a Department of Education program that would reduce my payments up to 75 % and possible loan forgiveness. A program which I was pre-approved for the loan repayment reduction.Her advice was to act quickly because the program expired that Friday, XX/XX/XXXX. The call back number XXXX left on my voicemail was XXXX. A number that went to XXXX XXXX at XXXX XXXX. Whom i spoke with on XX/XX/XXXX. Her extension is XXXX.

I gave her my information as requested, including annual income and was provided with a loan repayment offer. The offer included administrative fees of {$1300.00} and monthly payments less than {$100.00} while getting the loan out of default and paying all remaining payments. A term of 10 years, nine months and no mention of recalculating the payment amount if my financial situation changed. As a result of that call an FSA ID had been set without my knowledge or an email address associated with it. Without answers to security questions or an email account associated with my FSA ID I was locked out of my account.

My concerns are as follows.

What if any is the relationship between XXXX XXXX XXXX and XXXX XXXX?

How did XXXX XXXX XXXX obtain my cell phone number which was not part of my personal profile with the Federal Student Loan database?

How was my FSA ID established without an email address associated with it?

The tactic of urgency used by XXXX in her voicemail to respond within 5 days because the pre-approved offer would not be available.

Complaint file with Department of Education, case # 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 10-09-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo is holding funds that have been cleared and subtracted by the issuing bank ( XXXX XXXX the payroll check was drawn on. The funds were approved by the issuing bank on XXXX XXXX and will not be available until XXXX XXXX. We asked where the funds were the answer from Wells Fargo was " limbo ''. 
Background : The XXXX Account is MY business account. The XXXX Account that the funds were drawn on is a " frozen account '' due to the fact that a check was stolen and presented to XXXX in a fraudlent matter. There is plenty of money in the frozen account to cover incoming checks that were issued against it. XXXX calls me every morning in order to authorize the checks that have been presented. I authorized my own payroll check and the XXXX XXXX Manager confirms that the funds were cleared THAT day. I do know both sides of the equation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am the executor of my XXXX brother ... ..I set up an account with my local Chase bank to manage the account ... ..I recently received a check from the US Treasury Dept that has my name & my XXXX brothers name on the check ... .I tried to deposit that check into the established estate account ... .and my local Chase agent would not let me deposit that check into the established estate account ... ..!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: Home Depot somehow was able to run my credit and get a credit card for me even though they misspelled my name. That is incredibly scary. I called and cancelled the card, but how is it possible for credit to run if they do n't have the correct name?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Student loan (Private student loan) with GLOBAL CLIENT SOLUTIONS, LLC (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX XXXX split off their service provider to XXXX in XXXX, knowing that the public service forgiveness program was started. In doing so this company did not participate in this program. I had been making payment to sallie mae and XXXX for almost 6 years or so starting in XXXX until I found out that XXXX did not participate. I am eligible for public service forgiveness, working for 23 years for a XXXX. In steps XXXX through Global Client Soultions who solicited me. They said the had a program that would allow me to be eligible for loan forgiveness. But they had to charge me {$250.00} dollars! XXXX XXXX, XXXX XXXX an XXXX XXXX of XXXX total of {$770.00}. Had i stayed with XXXX XXXX at {$300.00} a month i would almost be paid off {$36000.00} With XXXX at {$380.00} based on 25 years 300 payments {$110000.00}, restarted payment XXXX, 10 years after loan forgiveness 120 payment {$380.00} = {$46000.00} I will be retiring in 7 years still paying for corporate greed an deceptiveness. I have been lied to, charged for something that is free but that was never said and mislead by all companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (DE).
Issue: Managing the loan or lease

Complaint: My vehicle is currently insured by XXXX XXXX XXXX and financed through State Farm Bank. I was involved in a head on collision on XXXX/XXXX/15. I 'm being told by State Farm Bank that if I do not make a car payment by XXXX/XXXX/15 I will lose my " Payoff Protection '' offered through State Farm. The collision was not my fault and XXXX XXXX XXXX XXXX has not yet evaluated my vehicle. Because they have not evaluated the car, I will now have to make a car payment for a vehicle that is not functional. If I do not make the payment, I will then be responsible for the entire balance owed on the vehicle. My complaint is not against XXXX XXXX XXXX XXXX, it 's against State Farm Bank because they are forcing me to pay for a vehicle that I can not drive or access, also, if I do not make a payment then I will be held responsible for the entire amount of the loan. The vehicle is totaled. It just has n't been officially totaled by XXXX XXXX XXXX XXXX due to restrictions of XXXX State Police because of the nature of the accident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2015 about Debt collection (Medical) with State Collection Service, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a XXXX veteran. Several times as a XXXX, WI veteran, the VA send me to the XXXX hospital and clinics to be treated and they ( the Veteran Affairs Office ) pays them directly. In particular I have several debts that a ) never received notice of ; never given a chance to dispute until this year ; and they immediately sent this information to the credit bureau and collections which have failed to inform, notify or head my numerous attempts to dispute this debt. The debt collectors from XXXX XXXX hospital from XXXX 2009 assert that I owe {$220.00} from care they provided on behalf of the VA. Despite more than XXXX phone calls, and letters from the VA verifying they are going to pay it but they may some bureaucratic snafu, they still have this report on my credit report, I am not late, nor do I owe this debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Other

Complaint: Since Synchrony Bank took over XXXX XXXX XXXX account, Their policy is use credit card in XXXX is 14 days limited In past under XXXX, I have been gone XXXX for more than 14 days my trip is XXXX XXXX to XXXX XXXX which is 21 days I checked there is no government policy on limited days in XXXX only Synchrony Bank

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contracted services from XXXX on approximately XXXX for Internet Services. In XXXX of XXXX I cancelled services with a credit balance - which to date I have not received. In XXXX of XXXX I received a collection letter from a collection agency stating that I was delinquent approximately {$100.00} owing to XXXX. After contacting XXXX they identified that a return shipping label and request for hardware return was never issued upon cancellation. The XXXX representative issued a XXXX return label. The modem and related cabling was returned at the XXXX XXXX XXXX, in XXXX Utah with the provided XXXX return label. This past week - XXXX/XXXX/XXXX I received a second notice from the collection agency stating an outstanding balance was still owed. I again contacted XXXX of the issue and they [ XXXX XXXX XXXX stated they are unable to identify the location of the shipped hardware and are unable to assist with a resolution. I have copied the full dialog for reference. Since XXXX has received the hardware or has proof that the hardware was received, I would appreciate them updating the derogatory collections reporting and issue my outstanding credit for over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter that I sent to XXXX Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have passed, and they have not responded yet.

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