milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Struggling to pay mortgage

Complaint: Loan # XXXX SPS Account # XXXX Our current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XX/XX/XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back to XX/XX/XXXX ) on our Non-Agency Securitized Mortgage since originated in XX/XX/XXXX with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XX/XX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX Trust last filed  documents with the SEC in XX/XX/XXXX ). SPS indicated in XX/XX/XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XX/XX/XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the Trustee, XXXX XXXX, XXXX. XXXX XXXX, XXXX Trustee, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XX/XX/2017 At XXXX XXXX capital one blocked me from accessing my account via the XXXX  mobile app

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I recently went into Bank of America 's branch that is located in XXXX, TX to deposit two claim checks that was made payable to both me and my mortgage company. One check was from XXXX and the other was a XXXX check. The mortgage company endorsed the checks and I went in to deposit them to my checking account. Where I was told by the branch manager that they could not take the checks because they were a third party check. The XXXX check was drawn from a Bank of America account. Called customer service and they said that all claims checks were a third party check and Bank of America would not accept that. The checks were dual signatures checks requiring two signatures, I do not believe that these are a third party check. They would not take the checks, not even put them into my account with a hold till the checks cleared.

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 08/23/2016 about Mortgage (FHA mortgage) with Selene Finance LP (SC).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have been out of bankruptcy for 2 years and we included Selene Finance ( aka XXXX ) in our chapter XXXX bankruptcy. As we understood from the courts, that when we surrendered the home, the loan should have been transferred back to the lender so they can report it to the Federal database CAIBRS to update to show that the loan was no longer in my name. We are in the process of getting a new home and we were scheduled to close in two weeks, and it shows that the house is not updated. We have filed numerous complaints on Selene Finance because it seems that they do their own thing and not comply with the federal law. When we surrendered the home, they were supposed to take possession and take it out of my name. They have not done so for two years. It seems in the courthouse in XXXX county they just recently sold the home and took it out of my name last month which is not adhering to the bankruptcy rules. This has caused a delay in me purchasing another home because of their actions. I have spent time and money repairing my credit to buy a new home and they just keep on dragging this along.

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 Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX - requested & reviewed Experian credit report utilizing free annual credit report.com On review, disputed entry regarding credit card account issued by XXXX XXXX XX/XX/XXXX. I have never heard of, had phone conversation or other correspondence with this bank. 

XX/XX/XXXX - message from Experian with link to review results which shows the bank has verified the account is active - dispute rejected. 

XX/XX/XXXX-XX/XX/XXXX - received welcome letter & credit card from XXXX XXXX for an account to be used at 'XXXX ' store. Again, I have no knowledge of, have never purchased from, or any other interaction with XXXX XXXX, or XXXX. ( Please note this card was received more than 3 months after the credit report shows that it was opened ) XX/XX/XXXX - went on XXXX Website to request account be closed, and all reference to the account to be removed from my credit report. To date, there has been no reply from XXXX XXXX. 

To date, and to my knowledge, there has been no financial transactions, or liability. This appears to be a scam marketing campaign. I have not held a store credit card since I closed a XXXX card more than 25 years ago. I hold a combination of more than 5 XXXX, XXXX, and XXXX cards each with a minimum limit of {$15000.00}. Why would I want a card for XXXX with a limit of {$750.00}? 

I want the reference to be removed from my credit report. The bank & XXXX should be given a strong warning, and or financial penalty regarding this type of marketing.

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 11/14/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: First the previous section did not have a box that applied ... pls see explanation below! 

In XX/XX/XXXX I sent a letter to Central Financial Control offering to settle to medical collection accounts. CFC never responded. I tried several more times by phone and mail without any response. 
On XX/XX/XXXX I faxed an offer to settle my 2 accounts with CFC on behalf of XXXX XXXX XXXX XXXX XXXX. The 2 accounts totaled {$5300.00}. 

Today I received in mail a response from CFC dated XX/XX/XXXX saying I had asked to verify the debt. This is incorrect ... .I had asked them and have been asking them since XX/XX/XXXX to try and settle these debts. As I explained in the letters to them I have XXXX and want to settle all outstanding accounts so my spouse will not have to deal with them in the future. 

I understand CFPB can not make them settle, but I need someone I can communicate directly at CFC to settle both accounts. 
Any help with this would help alot! 

PS ... I did reach out to XXXX who owns the debt and they refused to discuss it and kept referring me back to CFC who is not responding to settlement offers. 

Thanks XXXX XXXX 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 11/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX XXXX Complaint On XX/XX/XXXX I submitted an application for an income based repayment plan. As of XX/XX/XXXX my application has still not been processed. I have made several calls over the last 4 months with no resolution. I have confirmed XXXX XXXX  has received my completed application and no other documents are needed. I made the appropriate {$5.00} payment to switch repayment plans, but my monthly payments have not been reduced. My loans are close to being reported on my credit report as past due. I ONLY WANT TO MAKE A LOWER PAYMENT ON MY ACCOUNT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I opened a business checking account at Wells Fargo with an initial deposit of {$5000.00}. The gentleman who set it up told me that there was some sort of automatic transfer that would make it not incur fees. I never used the account - never wrote a check, never made a deposit, never made a charge - and then when I came back two years later I had {$4400.00} remaining in the account. I could n't believe my eyes ... {$540.00} in charges to just hold the money in a checking account! I think maybe what happened is they charged me a fee that put me under the minimum and then they charged me a ton of fees for being under the minimum.

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 01-12-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with Ditech to complete a loan modification since XXXX of XXXX. Since then, we have been calling in to get status updates weekly. Since XXXX of XXXX we call in and we are advised that " the file is in review ''. When we finally called back on XXXX XXXX, XXXX, we spoke with XXXX in their Loss Mitigation department and he looked deeper into the status of the account. At that time, he noticed that the file had never been submitted over to the Loss Mitigation department and the department I had been talking to was the Collections department. He advised that they are not even supposed to be providing status since they are not able to view the same notes. I have now wasted months with inaccurate information. XXXX did advise that he was going to have the file escalated to a Supervisor immediately and I would get a call within 48 hours. Today when I called, they advised that there had been no response to the escalation after being hung up on twice. At this point, I feel like I may lose my home due to their negligence. I need your help in stepping in. Please, i do not want to lose my home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX was my former lender account # XXXX illegally transferred my loan toRCS who has done nothing but give us the run around for months requesting the same documents over and over again. On XXXX/XXXX/2015 we submitted a complete loan modification package to RCS and trailing documents on XXXX/XXXX/2015. The submissions were acknowledge by RCS in a letter dated XXXX XXXX, 2015. We continue to submit documentsverbally requested by RCS throughout XXXX 2015, we received a letter dated XXXX XXXX 2015, Notice of Default and Intent to Accelerate, please keep in mind there has been no decision on our pending application prior to the XXXX/XXXX/XXXX letter. We continued sending documents to RCS throughout XXXX 2015, which RCS acknowledge again in a letter dated XXXX/XXXX/2015. In a ambiguous letter dated XXXX/XXXX/2015 from RCS denying our loan modification without providing a reason or cause which is required under California Homeowners Bill of Rights, RCS is in violation. We strongly believe that XXXX XXXX XXXX purposely dumped our loan on to RCS is known for foreclosing and not loan modifications. The letters we have received from RCS are dubious at best, misleading and not providing a clear path to obtaining the mortgage we have sought so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted this agency via mail, email, fax and the XXXX and they fail to correct their wrongs. I want to make sure i have gone through every channel in preperation for filing suit for providing false information and failing to protect my information. They list several inquiries that are not mine and i wish for them all to be removed. At this point i am not looking for nor have i been looking for any credit. All accounts on my report are reporting accurate and paid on time however the inquiries that have been made on my behalf by my ex wife is staggering. She has hacked my info on more than one occasion and re runs apps to destroy my credit rating because she was served with child support papers. TRANSUNION fails to take any action or help in any way. From what i can see all accounts look fine these bogus inquiries just need to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My Complaint is with Select Portfolio Servicing , Inc. and Me. XXXX XXXX the Manager of the Ombusman Dept., I have been for ( 9 ) months sending documents to SPS to get a answer on if they will accept a buyers offer on the Condo, I 'm trying to Short sale for ( 9 ) months and can not get a answer XXXX XXXX said on XX/XX/XXXX that he would have an answer with in 24 to 48 hours it is now XX/XX/XXXX, XXXX, I have left message and I 'm always told he is in a meeting. 
I have received as of today a letter dated XX/XX/XXXX, requesting a profit and loss for ( 3 ) months they have almost a years of them, but I did send them. also asking again for Social Security awards letter I have given them one for the year, I have tried to explain that the XX/XX/XXXX awards letter will not be out until XX/XX/XXXX Taxes have been done and then I will get and give them XX/XX/XXXX, award letter!!!! ( the Soc Security comes goes auto into my bank, and SPS has all statements for ( 9 ) months ) which matches my XX/XX/XXXX award letter they have. 
the other documents is a PRE HUD that the title company has redone ( 4 times all different times ) goes back and forth takes weeks changes to lines XXXX, and XXXX,XXXX,XXXX, now on line XXXX they wanted to know what the exhibit is so the title company broke it down it is from the association dues, ( which do not have anything to do with the acceptance of the Buyers offer to purchase the condo, and to give me a answer if they will except the offer. 
SPS has told me to have line XXXX removed off the Pre Hud, the Title Company can not just take off lines??? 
I hope this answered your request for more documents, and now you can do the job of reviewing my Short sale request! 
There is one Document I have been asking for, as you know this property has a XXXX lien it is with XXXX, they need from SPS the approval letter this needs to be " the full payoff '' they need it for there Calculations, they also can only keep the file open for 30days. so I 'm asking again for this document, or XXXX XXXX can not complete the approval for the short sale. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: Dear Consumer Financial Protection Bureau, Thank you for responding. 
I am attaching the XXXX XXXX XXXX suit that XXXX XXXX group prepared for us in their findings on our loan history. 
They had proved mortgage fraud, but it seems like no one can get anything done in XXXX in behalf of the consumer. Our loan was illegally pushed by XXXX XXXX XXXX. The property appraiser that worked with XXXX XXXX was arrested for over appraising homes, to push and get loans approved for XXXX XXXX. XXXX bought the loan and would never really work with us for a loan remodification they just went through the motions. They had XXXX different offices in XXXX states within XXXX that sent us XXXX sets of fees and tacked them on to our loan creating a bigger mess. When we first applied for a loan remodification the representatives at XXXX financial had said they would work with us. We kept getting request for the same paperwork package three times not realizing that they had XXXX different offices within the same corporation in XXXX different states working on the same loan remodification. After they told us we did not qualify they tacked on all the back fees to our loan from XXXX different applications so it was times XXXX because no one from their company was communicating with anyone else. When I started to complain they sold us to XXXX. We found it so frustrating and wondered how they could get away with this. My wife XXXX and I then tried through the XXXX XXXX XXXX to get help out of XXXX, to see if through them, we could get results. In the beginning they put us through the process of applying for the loan remodification. When the XXXX XXXX group pressed they sold us again to SPS who decided to tenaciously hold ground and not help us. We found out later that XXXX owns both XXXX and SPS, How convenient. After XXXX XXXX XXXX proved Mortgage fraud committed by the banks which I have sent the prepared custom Lawsuit in an attachment to you XXXX XXXX XXXX gave up and said that because the Banks were not cooperating the only alternative was to sue. Since all this we had to pay back all fees and try to catch up the loan so as to avoid foreclosure. 
The banks are playing games with the consumer and the Federal Government and we are desperate to get help. If we had not been granted the refinance on our home loan that XXXX XXXX wined and dined us to process and get us to sign for, we would be only a year and a half from our loan being paid off. We felt stupid that we let the mortgage loan officers from XXXX talk us into thinking this was the right decision for us. 

Again thank you so much for even just a response. 

Please help us, XXXX XXXX XXXX XXXX. 
XXXX XXXX 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax carelessly handled my data, which was part of the recent hack. I 'm disgusted that such for-profit companies are allowed access to some of my most vital data, and that to be a functioning adult in society I have no choice but to yield my data to them. Shame on them for not taking better measures to protect consumers. Shame on our legislative bodies for not divising a modern system to replace the antiquated social security number. I urge you to hold this company accountable for their actions. The harm they 've done is immeasurable. Those in charge need to be in jail for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with PLAZA HOME MORTGAGE, INC. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We have mortgage wit h Plaza Mo rtgage. At the time we applied and got approved we put 5 % down and we had to pay PMI till we reach 20 % equity. We have done substantial renovation and  XXXX  story addition to the house. In a result of that our home value went up about {$150000.00} that what we guess. We applied for the PMI being removed by doing an appraisal. However they refused to grant this request as they are asking us to pay at least two years of mortgage and then they would consider the appraisal and look in to the PMI.   We are paying {$220.00} per months and that could go against our principal instead.   We are requesting an appraisal to find out the value of the house to determine if we reach 20 % of the home value in equity.   Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was compromised, it seems. This possibly includes information related to SSN,  Accounts, etc. Bad stuff.

Company response to consumer: Closed with explanation