milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: New Complaint against Select Portfolio Servicing. We have received a response from XXXX XXXX XXXX XXXX regarding our complaint file # XXXX. A DISPUTE has been filed, and since XXXX XXXX XXXX XXXX has no record of us, or our loan, as to any trust, or by which XXXX XXXX XXXX XXXX has a record for security investors, and XXXX XXXX XXXX XXXX forwards us to the servicer - Select Portfolio Servicing ( SPS ), we hereby file a new complaint against SPS. 
While XXXX XXXX XXXX XXXX claims to be a trustee to certain XXXX trusts, XXXX XXXX XXXX XXXX can not, and does not, state that our loan was in any trust to which they were a trustee. XXXX XXXX XXXX XXXX can not, and does not, state that XXXX XXXX XXXX XXXX, as trustee for certificate holder investors, received payoff of our loan, for the benefit of investors, by us, in year XXXX, as evidenced by our mortgage payoff cancelled check. XXXX XXXX XXXX XXXX can not, and does not, provide a Mortgage Schedule for any trust, that XXXX XXXX XXXX XXXX claims to be a trustee for, by which our mortgage loan is included for cash pass-through to security investors. XXXX XXXX XXXX XXXX can not, and does not, provide any documents in their possession, either as trustee, or in any capacity, by which our mortgage loan is referenced. XXXX XXXX XXXX XXXX can not, and does not, provide a Power of Attorney for Select Portfolio Servicing ( SPS ), or any other entity, to act on their behalf. No Power of Attorney is attached to SPS assignment and discharge, recorded in our County, for SPS to act on behalf of XXXX XXXX XXXX XXXX, for such assignment and discharge recorded in our County Registrar 's Office. Such assignment was recorded in XXXX XXXX, without Power of Attorney from XXXX XXXX XXXX XXXX, by SPS, many years after actual payoff of loan by us - XX/XX/XXXX. XXXX XXXX XXXX Bank can not, and does not, state that any certificate holders/investors to any trust, by which they were trustee for, and, responsible to - by SEC filings for servicer compliance, received payoff of our mortgage payoff proceeds on XXXX XXXX, XXXX - as provided as paid by documents submitted by us. XXXX XXXX XXXX XXXX only refers us to SPS. Thus, it is up to SPS to respond as to what happened to our loan, and to our mortgage payments and payoff. At this, juncture, a referral to the Securities and Exchange Commission is warranted. The CFPB has informed that they do not refer to any other entity other than the Federal Trade Commission. Thus, we request that SPS respond to this complaint so that appropriate action may be undertaken. Not only is title to our home at stake, but, also, investors rights have been discarded, with payoff owed to them diverted, by both XXXX XXXX XXXX XXXX, and SPS. We would appreciate an immediate response. 
Thank you, XXXX and 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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: My card was stolen, they close it out and sent me a replacement card. I was unable to activate the new card and all of a sudden the old card read active again and charges were bring made on my account that I did not make. I have called and called and called just to get hung up on. Im missing over {$500.00} I need my money ASAP please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Recently my bank XXXX XXXX XXXX requested my credit report in order to give me a loan for a house and appeared on the report a bankruptcy.I have never declared a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Medical debt) with Kings Credit Services (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted my lawyer who settled this insurance claim for me and he told me that, " We were unaware of any  XXXX  doctor charges as they were never disclosed by anyone to our office in your case. Nonetheless the time for the  XXXX  doctor of the collection agency to enforce this judgment, unless they have filed suit and we do not know about it, has expired. I checked the  XXXX   County  courts website under your last name and did not see any lawsuits with you listed as a party. '' I am have disputed it with   XXXX   plenty of times and it always comes back updated with an increase in the bill amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I 've contacted and written Capital One Auto about the car repossession and asked them to remove it off my credit since they sold the debt to XXXX XXXX XXXX XXXX. They both have violated the F.D.C.P.A as the state of Ohio Statute of Limitations is 6 years. I 'd like for both companies to stop the harassing phone calls and to remove this account from all 3 credit bureaus ( XXXX, XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with CITIBANK, N.A. (MN).
Issue: Transaction issue

Complaint: I made 2 online purchases of phone refill cards for XXXX that were represented to give me 6 months of phone service for each card. I did received 2 phone cards but they were never activated /paid for by the seller. In other words I paid for 2 cards with zero value. In order to use the cards, I would have to pay the money all over again. I disputed the charges but Citibank denied the dispute since I did not return the cards to the seller. The seller never responded to my request for a return so that option was not available to me. XXXX confirmed that the 2 cards can be used once they are paid for as the seller never paid fr these cards at XXXX. The total amount lost was {$420.00}. I do n't understand why Citibank would not support my claim.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Problem with fraud alerts or security freezes

Complaint: We froze our credit due to someone filing a fraudulent tax return under our name. During the process Equifax never gave us a pin to unfreeze. We are currently trying to get a mortgage to purchase a new house. The bank needs to pull credit and they can not from Equifax. We have tried to call Equifax numerous times and our calls get routed thorough a robot answering system and we get hung up on. There is no way to reach a live individual. 

Per there website, Equifax states to reset a pin you must mail copies of your drivers license, a check, and a letter stating that you want to unfreeze your credit and receive a new pin. We have done all of this more than 10 days ago. We have not received a response, they have not cashed our checks, there is no one to call to check on this. 

We are getting desperate. We have sold our current house, we need to obtain a mortgage on the new house or we are in big trouble, i.e homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from Contract Callers Inc on  XXXX   XXXX ,   2017. The letter was forwarded to my new address from an address i no longer resided.
<P/>
Contract Callers Inc, is attempting to collect a debt that is NOT mine.
i request th    at Contract callers Inc. provide verification AND validation of this bill.
provide the name, amount owed, signature of contract, address, tenants of this rental property for this inaccurate utility debt, dates occupancy.

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 07-11-2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Sale of account

Complaint: Hi cfpb, I am not responsible for this debt to Home Depot, why is it on my report? I never had a credit card with Home Depot, my husband and his son did in 2007 and my husband closed the account due to his son not paying for this card like he said he would. His son should be held responsible for it not my husband who is legally XXXX in 2007 and had to close this account. 
I never signed anything with Home Depot or anyone else for that credit card. Not mine and should be removed from my report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had difficulties making my payments due to a decrease in income and because of my monthly expenses being to high. My hardship began back in 2012 when my significant other and I separated. The lose of his income caused me to fall behind on my expenses and even my mortgage. I am taking care of XXXX children with only XXXX income at this time. It is difficult to stay on top of my children 's expenses and household expenses. Before the situation was to hard to deal with I attempted to apply for a modification numerous times but was denied. I have been denied over and over again since 2012. This has caused an even greater hardship on myself. Not only have I lost my partner but I am constantly being reminded that I may loose my home. Due to my file being denied several times ; I keep falling further and further behind making it impossible to catch up. The current situation of possibly losing my home has caused so much XXXX on my family and I, that I am constantly sick. 
Please help my family and I keep the home where we have so many memories. Through this request I am seeking assistance in bringing the loan current, making my payment more affordable, and lowering the balance of my loan.

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 02/23/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: " XXXX XXXX '' Date Opened :XX/XX/XXXX.Original Creditor : " XXXX ''. And " Trident Asset Management '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Trident Asset Management Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX  has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I got these loans as a XXXX kid who wanted to go to college. If Im being honest, dealing with Navient and student loans in general has soured me to college at all. It costs too much and they are loath to help if you are in a financial bind. They will not defer due to hardship and they dont communicate well. When I asked for an automatic payment to be cancelled, they didnt do it and it wasnt in the notes. My call happened to drop when I was asking for that and I was overdrafted by {$140.00}. I have kids and Im trying desperately to make enough money to pay off these loans despite my degree not helping me at all. The last lady I spoke to had an attitude and acted blas about my request for refund since they over-drafted my grocery money. After she said she wouldnt help unless they listened to the call, I just hung up. They also call me and my co-signer constantly. I had to block their number ( send it automatically to voicemail ) on my phone because they would call me upwards of 4-6 times a day. I have told them time and again that I want nothing more than to pay them off and be done with the whole thing. I want to do things right, but I didnt know what I was doing when I took the loans and dont recommend private student loans at all. Im essentially paying for what amounts to nothing and its drowning me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit card () with PAYPAL HOLDINGS INC. (WY).
Issue: Unsolicited issuance of credit card

Complaint: My daughter wanted to use my XXXX account to buy some jeans in XXXX 2014. What wound up happening is that the signed her up for a Paypal account in her name, without her consent. They collected her email, phone number, and DOB. They offered her deferred payment and interest. She is XXXX and does not have a job.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NV).
Issue: Deposits and withdrawals

Complaint: Chase Bank has moved it 's bank out of XXXX, Nevada as well as all it 's remaining ATMs causing extreme hardship to it 's customers. I have been with the bank for over 30 years and have never had the hardships of 'no way to deposit funds ' into my accounts as I have experienced here in XXXX , Nevada . The closest ATM is listed on their web site as XXXX miles away. It has certainly caused an increase in fees and overdrafts costs. Chase refuses to comment on the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I requested a copy of my report but did n't recieve 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 04/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This issue has been with the CFPB many times ( numeral time ) and hopefully this time I 'm requesting a Federal Investigation do to the fact, th at PENNYMAC has  submitted fraudulent documentation to the UNITED STATES BANKRUPTCY COURT  XXXX  DISTRICT OF FLORIDA, this it 's not only criminal offense, but it 's attempts to the defraud the UNITED STATES, UNITED STAT ES DEPT OF TRESAURY, HUD, OCC AND  MANY ORDERS.   IN addition under the STATE OF FLORIDA AND UNITED ST ATES AMERICAN BAR ASSOCIATION AND FLORIDA BA, , ITS A CLEAR VALIDATION OF FLORIDA  RULE 4-3.3 CAN DOR TOWARD THE TRIBUNAL.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX we missed a mortgage payment to Specialized Loan Servicing LLC. On XX/XX/XXXX, I talked to an Agent on the phone and made arrangements for XXXX XXXX payment of {$1000.00} to be electronically transferred. We later received a confirmation letter dated XX/XX/XXXX. ( see attached ) Then we received a Default Notice and Notice of Intent to Foreclose dated XX/XX/XXXX. ( see attached ) We are one month behind in payment and are working on bringing the account 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 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: HI, my land lord was doing a credit report check when he found out that i dont have a credit history, But i have been using my credit card for the last 11 months.and i have been getting free XXXX credit score for the past 6 months .So how long before Trans unioun reports my credit score in the system. 
regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We are resubmitting this complaint since it is meant for CFPB ( as well as Chase ). 

Dear CFPB : ( 1 ) Please investigate Chase 's mortgage account book. We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest XX/XX/XXXX and XX/XX/XXXX while they should have paid ~ {$9900.00} and ~ {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XX/XX/XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XX/XX/XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; and ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole ~ {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; and ( d ) interest. Actually, there is no escrow ; it 's paid off ; and Chase is paying a manufactured, ghost escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I mailed a {$220000.00} mortgage payment in accordance with the instructions contained within the monthly mortgage statement provided by Dovenmuehle Mortgage on XXXX XXXX, 2016. Dovenmuehle received the check on XXXX XXXX, 2016. Dovenmuehle returned the check on XXXX XXXX, 2016. Dovenmuehle charged me an additional interest of $ XXXXbecause it did not post the payment. Dovenmuehle said it used procedures that were NOT DISCLOSED to me within the monthly mortgage statement.

Company response to consumer: Closed with explanation