milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Application, originator, mortgage broker

Complaint: I Applied for a refinance with PHH Mortgage ( XXXX ) in XXXX 2016 and was approved for a low rate of 2.62 % over 15 yrs, since i have 30 yr conventional with them for the past year. It has been a nightmare ever since and my loan has n't closed even today ( XXXX/XXXX/16 ), which should have been a very simple process. My credit rating is XXXX and all documents are in place. XXXX confirmed all documents are good. after 20 days of working on it, they got back saying they did n't receive a DL. I sent it again, and this application process started all over again by a new XXXX. Since, it crossed 30 days, they said they can not honor my 2.62 % and made it 2.75 %. many phone conversations, emails later, there was nothing PHH could do ( apparently ) and went ahead with 2.75 %. Another 20 days and they come back with a request to resubmit latest pay checks ( obviously, we are into XXXX now ). Again, after many emails and phone calls, I emailed the same and the process started again. The rate now is 2.82 %. I was furious, but, could n't back out because, I already paid the Appraisal {$650.00} and did n't want to lose it. Now, its already end of XXXX and the title company came to close. At the end of closing, they found that the rate quote disclosure they had was different to what PHH sent to me. so, after 1 hr of signing all documents, we could n't close. By now, I totally lost it and said, i wo n't go ahead with them and was willing to lose out on the {$650.00} appraisal. Now starts the second story. While working with a different mortgage provider, PHH emailed me a 'Congratulations on closing the loan '. when i checked, it said, i closed it and the next payment was due XXXX/XXXX/16. After 30 mins on hold, a XXXX confirmed it closed. So, i contested it. They said, they have to research what happened. in the meantime, the new mortgage provider said they can not proceed if you already have a loan. I called the Title company, who said, they have n't dispatched the titlework to PHH. so, it is illegal to close. 
Now, i am going to lose out on a 2.875 % rate with the new company, because of PHH. Please help me cancel it and bring my credit file back to the original.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with Hameroff Law Group, P.C. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was never made aware or served any notice for court but was sued and now I have a judgement against me. I was originally sued for {$2100.00}. I am still getting harassing phone calls at work trying to garnish my wages and I receive letters telling me that my judgement is occurring interest. I have a letter that came 3 years after after my judgement with an amount greater then my judgement. I am unaware of this debt and was never made aware of any court but obviously I was n't there so the judge ruled in their favor. With this judgement on my credit report it is hurting me from getting a loan or opening any new line of credit to advance my lifestyle and business.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX I opened an account with coin base. I transferred XXXX worth of Bitcoin to Coin base which it received and confirmed receipt on my account dash board. The transaction has been listed as pending ever since. The pending is highlighted so that you can search the transaction on XXXX. It originally showed my transaction but is no longer showing it. I have exhausted myself trying to contact coin base, which has no phone support. You can only email them and I have with no response. The bitcoin transaction has a low but acceptable miners fee so I do not see what the hold up is. It feels as if I will never get my money. Help me get my money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have reoccurring payments taken from my checking account for my students loans. My provider is Navient. Every once in awhile, I will make an additional payment on XXXX of my loans. Lets call it XXXX XXXX. This is not to be confused with paying ahead, every time I make this payment, I call a customer representative and tell them I want the payment to just pay off any outstanding interest, and the rest on the principal of the loan. My monthly reoccurring payment should remain the same, and I pay the same amount. 

It appears to work, as the monthly payment is taken out of my account, on the same date, just like normal, costing the same amount as always. The problem is, XXXX XXXX will not have the monthly payment taken from the principal. It is like no payment was made on XXXX XXXX. My other loans will have their principal reduced as normal, just not the specific loan I made that one-off payment on. 

So my monthly payment of XXXX $ a month for XXXX XXXX is literally pocketed by Navient. This happens EVERY time I make an additional payment on XXXX of my loans. It is not a human error, but a systemic error built in the system. It has gotten to the point where I keep track of my loan balance before and after every monthly payment because I can not trust the company. They literally are stealing this money from me, and probably hundreds of other unaware people.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: 1. Attempted to use credit card at XXXX - card held since XXXX - declined at register 2. Called XXXX  credit services - informed that a charge was unpaid from XXXX XXXX for {$79.00} - with penalties and interest balance now {$330.00} - never received statement and never received telephone calls or dunning letters 3. Informed that mailing address was changed to a XXXX XXXX XXXX in XXXX, MA where bill was mailed - I did not change address - asked for receipt of purchase and to reverse additional charges 4. Informed agent that we had lived at our address for 12 years and had the same telephone numbers. Recently moved to new home in XXXX XXXX but left forwarding address with post office. There was an odd number on file at XXXX which we have never listed. 
5. Told to dispute charge with XXXX XXXX at specific address - mailed letter on XXXX XXXX, XXXX for further investigation as to charge and address change 6. Received letter from XXXX XXXX XXXX - requesting payment 7. Wrote dispute letter to XXXX with copy of dispute letter from Target 8. Filed complaint with Attorney General 's Office in Massachusetts 9. Called XXXX - representative claimed no receipt of either letter - requested email address and emailed copies of my letters to collection agency 10. Email received stating collection process would be temporarily stopped while under investigation 11. Received call from XXXX on behalf of AG - contacted XXXX - requested copy of receipt, reduction of charges and removal of item from credit report 12. XXXX unable to find documentation concerning dispute - could not offer any information other than to call collection agency and ask to settle for lesser amount. 
.13. XXXX unable to persuade XXXX to help - agent from the office suggested I file a complaint with the CFPA

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Please see uploaded documents. Select Portfolio Services ( SPS ) is giving false information to XXXX  by reporting an account in my credit report as derogatory that is older than 7 years from the date that it FIRST and ONLY time became delinquent ( XX/XX/XXXX ) Please see uploaded supporting documentation. Motion presented BY SPS on XX/XX/XXXX to US Bankruptcy Court of PR case XXXX. Here SPS clearly told the court that the mortgage debt was 71 payments in arrears from XX/XX/XXXX. Therefore 71 months minus XXXX XXXX will give you a date of delinquency of XXXX XXXX, not XX/XX/XXXX as SPS had FALSELY stated to XXXX. Therefore SPS has to remove this account from ALL credit reports and STOP PERMANENTLY from further reporting this account as derogatory on ALL credit report agencies. SPS is in violation of 15USC section 605 ( 4 ). Please order SPS to remove this account from Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an alert regarding a collection account placed on my XXXX report. I have never received anything in writing confirming any sort of delinquent accounts or debt collections. All addresses in all my credit reports are up to date and accurate because there is fraud alert on all my credit reports. It states the account was opened in XX/XX/2015 and i do not have an account with the original creditor. When I contacted the phone number listed for the company they did not verify who I was. I checked all past XXXX, XXXX, and XXXX credit reports there is n't anything listed on my report from any collection agency or the original creditor. Both my XXXX and XXXX current credit reports do not have this account on it.

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 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (PA).
Issue: Problem when making payments

Complaint: On XXXX/XXXX/XXXX I made a scheduled payment to my personal loan with SoFi in the amount of XXXX ( more than amount due ) for payment due on XXXX/XXXX/XXXX ( Monthly payments ). Recently SoFi has been pushing for me to set automatic payments via emails and notifications when I log into my online account. They also advertised a reduced interest rate for setting up automatic payments. Once the payment for XXXX/XXXX/XXXX cleared my checking account and my account with SoFi online reflected next payment due on XXXX/XXXX/XXXX I set up the automatic payments. Upon completing the steps for automatic payments a screen came up verifying that I would like to start auto payments effective for payment due XXXX/XXXX/XXXX. I verified that was correct and was then under the impression that my next payment would be auto drafted from my checking account with XXXX XXXX  XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. SoFi then without my authorization deducted a payment of XXXX} on XXXX/XXXX/XXXX from my checking account with XXXX XXXX XXXX. This unauthorized deduction caused an overdraft of my checking account. My account does have overdraft protection but I was penalized a XXXX fee and I also had to stop another check that was out for that account. At no point did I authorize SoFi to deduct any form of payment from my account prior to XXXX/XXXX/XXXX. At no point did SoFi disclose that they would make such a deduction. I contacted SoFi customer service to resolve the issue twice. Each time I was told a different story as to what happened and no fair resolution was offered. I had asked politely to speak to a manager but was informed there was none available and they would call me back. No contact has been made on their end to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with Conn's, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Filed and XXXX this debt to XXXX XXXX XXXX in bankruptcy in XXXX XXXX, they continue to report my account late and send me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have written to Fay Financial at least four times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter was dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting " foreclosure iniitiated '' and XXXX days past due when there is a XXXX balance and the fact that no foreclosure was ever started.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Have never heard of Coast Professionals until my wages were garnished. Never received notice from them. Been going on for 4+ months. Sent them letter asking for verification of this debt, received nothing with my signature, never marked disputed on my credit reports, breaking federal law. And my credit reports showing total of {$12000.00} in debt, this company is garnishing me for more than {$17000.00}. Garnishment led to me being late on rent payment for XX/XX/XXXX, and now I am a homeless single father with a XXXX year old daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: My wife had been solicited online from a mystery shopper scam. On XX/XX/XXXX I personally took the check {$2800.00} to the branch closest to me chase bank branch location XXXX. The teller XXXX cashbox # XXXX, explained the check may not be available till XX/XX/XXXX but, if you have online banking, you will be able to see if funds are available and you know you can use them.The very next day the funds were made available. We had over seven thousand dollars in the bank and the very next day we had over 10,000 dollars available because of the check clearing! I explained to my wife she could use the funds! She did so immediately to participate in the mystery shopping because we thought it was okay because of the information provided by the teller. We were not desperate for that money because it was evident we had money in bank already.We trusted the expertise of Chase bank being liable verbally and being experts.I arrived home that night from work and the bank had charged us back because the check was no good.My wife contacted the bank manager.XXXX or XXXX said they do make funds available sometime before the check clears. I met with bank manager XX/XX/XXXX and he was high toned and felt they were not responsible in any way with the arbitrarily decision if we see the funds available we could start using them. All the teller had to say was it would not be available to XX/XX/XXXX like it says on the reciept.That was the greater offense.We have banked with Chase bank since at least XX/XX/XXXX and the branches we lived around got to know the people and they would have never treated us like this. They felt some responsibility because they waived the return check fee! I felt they made the money available because we had money in their already and felt if it was a problem it would be on us.I asked XXXX who his boss was and said I ca n't give you his number but XXXX would be calling you.That never happened! Their complaint department called me twice and sent me a letter saying they want to help.I called to this date at least 8-9 times and spoke with two people on different occasion. One person says well it 's a specific person handling your situation. The other time another person says basically the same message and I told her I am going to arbitrators and she says yeah we really ca n't do anything because of fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Using a debit or ATM card

Complaint: The Citizens Bank ATM recognized my debit card and had no problem with my withdrawal, but then failed to return the card, without explanation. When I called to complain, I wanted my card back or a replacement card with the same expiration date so that I would n't need to spend hours rearranging all my automatic payments with vendors. They instead ordered me a new card with a new expiration date. The supervisor XXXX XXXX in Pennsylvania stated that they do not provide replacement cards with the same expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Company ( ERC ) Enhanced Recovery Company, collection company I assume has been removed from my XXXX report just a few months ago and noew they are back on there again after proving it was not my debt the first time, If i m not mistaken that is not legal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Several calls from XXXX threading to serve me with take me to court over a 10 year old debt. They have been calling & harassing my children as well. When they said they have a legal document, I asked who the attorney of record was, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: The following complaint is against Bank of America. Loan # XXXX in conjunction XXXX XXXX Ph. XXXX Whom was supposedly facilitating our loan modification review .We submitted all requested documents in XXXX XXXX To Bank of America XXXX XXXX XXXX Bank of America sent correspondence stating I needed to sign my XXXX tax return, Send recent bank statement. Forward by XXXX I emailed/faxed copies of the documents to XXXX XXXX XXXX XXXX XXXX who was supposedly facilitated the modification. Approx XXXX XXXX. XXXX I called XXXX XXXX requested to speak with XXXX XXXX received his voice mail again. This Matter has been going on for three years. very disturbing for someone whom takes account for my lack of .However both Bank of America/ XXXX XXXX should be held accountable for the unethical conduct surrounding the matter at question. Had no idea the due process for a loan modification would result in filing mutable complaints. Seems as if this is the only way to obtained a response from Bank of America/ XXXX XXXX XXXX Note : I have FHA loan the bank is suppose to allow me a modification if I met the guidelines within the 24 months required before requesting another modification prior to the current..

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 12/24/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: The bank listed in this report continiously calls my parents landline telephone number. My parents landline has NEVER been given to this bank nor has it ever been authorized for them to call.

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
Consumer complaint received 04/27/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received loans in XXXX to help with college. I have complained on the site before and and did not have any luck a few years ago, so I figured I would try again. I took loans out through American Education Services who is also National Collegiate Trust and was written in checks by XXXX. I was interviewed over the phone and sent some forms signed my name and my money came. I took out loans 3 times due to misinformation at the college stating I would n't lose financial aid but I did. Otherwise I would have never taken out loans. I was sent to collections in XX/XX/XXXX and have been there since. I have a great standing with my account there and have been trying to pay my way down. I do n't understand how you can stay in collections for 4 years+ until your loan is paid off. The loan terms state you may be in default after a missed payment, it does n't state how many or number of days, it also does not state that you must remain in default either. I took these loans out 10 years ago because it was the only option I had and I am almost XXXX and they are still ruining my credit. Every month it is stamped as collection whether or not I pay and my credit score has sat at a measly XXXX for the past 4 years because of it. I own up to my mistakes and understand the importance of payments but I do n't feel that I should have to suffer the rest of the {$13000.00} I owe in collections. I will never get approved for a house or car or school again if you continue to drag me down. The loans currently sit with XXXX out of Ohio. Which is also weird. I live in Colorado and the servicer is in Pennsylvania and New York I believe. So where does that put us?

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Payday loan) with High Point Asset Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Not 100 % sure if they are a legit Collection agency, but harassed me on the phone about paying back a cash advance that I owed in 2010, which I never took out,

Company response to consumer: Closed with explanation