milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: My lender is stating there are no home retention options since my previous denial XX/XX/2016. My application was re-submitted XX/XX/XXXX because of changes of circumstances. SPS never provided denial reasons or provided denial letter, in addition, the P.O.C was changed without notice, had I not called in to find out I was never properly notified. I last spoke to the previous P.O.C who verified we will be re-submitting file. After that, lender felt the need to only communicate with me instead of my attorney when they know very well that I have XXXX. SPS has never tried to contact me in the past until I retained an attorney. I am now facing a foreclosure and not being told the exact reason for my application being denied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NE).
Issue: Struggling to pay mortgage

Complaint: I previously filed a complaint against this mortgage company back on X/XX/17 the complaint number is XXXX on X/XX/17 we were notified by the company that our papers would be delivered to us no later than X/X/17 which they did arrive on that day. My husband then signed all the papers and had them notarized and sent them back on X/X/17. approximately on X/X/17 we received another set of papers that had a totally different amount for monthly payments and my name on the mod. papers which should not be since I am not on the loan, just my husband is. We disregarded those papers and waited for ours to be mailed back. This never happened we ended up having to call a rep again, and at first said they never received any papers until my husband said that is impossible I sent them back on XX/XX/XXXX and I have copies.. then they all of a sudden found the papers and said they would send them back in 7 business.. That never happened instead we had to contact them again and then they claimed the ones we sent back were wrong because I was n't on the first docs. ( I am not on the loan why would I be signing any of those papers ) and the payment is wrong, the original loan mod we agreed to and signed gave us a payment of {$780.00}. They want to arbitrarily change that to {$850.00}. You can understand why we are angry and upset and concerned that they are trying to take advantage of us. My Husband would also like the {$10.00} he had to pay for the notary reimbursed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received my FIRST notice from a company called Credit Protection Association L.P. on or around XXXX XXXX, 2016 claiming I owe a debt to XXXX XXXX in the amount of {$74.00} plus a collection fee of {$12.00} ; totaling {$87.00}. I contacted XXXX XXXX and spoke with a member in their collections department. There was no record of my name or SSN to indicate I owe them a debt. I attempted to contact Credit Protection Association L.P. several times to no avail. I have sent them a letter describing my issue and have received no response, however the debt has been added as a collection to my credit report which has had a severe impact on my current credit score and report. 

What is more alarming is the nature of the letter, as it is almost threatening in nature and appears to be a scam. The letter claims they have contacted me several times, however this letter was the first I have heard of any debt owed to the company. It also goes on to state that they can not understand why I would " refuse '' to pay, claiming that most people are concerned about their credit and pay their past due balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 Ford Motor Credit x2 XXXX XXXX XXXX x2 XXXX  XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm the XXXX XXXX on a property in CA that will be a short sale. There have been several offers. XXXX were approved in the past, but XXXX buyers walked-away because it took too long to get the approval. We received another offer with the exact terms as the previously approved offer in XXXX XXXX and submitted to PHH immediately. PHH has repeatedly asked for documents to be sent and resent to them multiple times which we always did within hours of their request. The borrower has just received a NOTICE OF TRUSTEE SALE which is scheduled for XXXX XXXX, XXXX while the Short Sale is still in process. We can not reach anyone at PHH. The contacts we have at PHH are not returning telephone calls or e-mails. In the past, they have always responded.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: COMPANIES INVOLVED : EXPERIAN, XXXX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!

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 03/24/2015 about Mortgage (Conventional fixed mortgage) with SOUTHERN FUNDING ALLIANCE USA (TX).
Issue: Application, originator, mortgage broker

Complaint: Where do I start. We just recently purchased a home and used Southern Alliance for our lender. We agreed on a certain loan amount and was assured countless times we would pay nothing out of pocket. We consistently asked for a good faith estimate and it was never provided until AFTER we received our closing documents which were incorrect. 
We worked with XXXX XXXX for over a month and he assured us over and over that we would have to pay nothing out of pocket even when our house sold for less money. It is our opinion that the XXXX XXXX was incompetent in doing his job because he would never respond. When we got to closing on Thursday, the closing documents said we owed {$1400.00} out of pocket. When we called the lender, XXXX acted like he did n't know what was going on. It was super stressful since we had a deadline to get out of the house that we just sold. He adjusted the paperwork and resent it. The resent paperwork was incorrect and said we were going to owe money out of pocket again. Our realtor noticed that he made mistakes with the numbers on the paperwork as well! He had the property tax incorrect and the home warranty incorrect. We wasted all day Thursday because he could not get the paperwork right. He refused to eat the cost over his mistake and made us pay for it. We had no choice to go with it because we were backed into a corner and would have been homeless. We were supposed to move from our old house on Friday, but instead we did not close until Friday afternoon. So now, we have an extra {$1400.00} on our loan that we could not afford because of his mistake. We had to cancel movers and move them to Saturday which we had to pay premium. We had to rent a XXXX because we only had 2 days to move out of our old house instead of XXXX due to this guys mistake. We wasted a lot of mileage, gas and tolls going there on Thursday when the paperwork was incorrect. We had to take off an extra day of work that we did n't have because he made us lose a day of moving. I wish we would have went with another lender because now we are paying over budget due to this guys HUGE mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA ().
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan is now paid off. HOWEVER, I believe Fed Loan owes me a significant amount of money because 1. I overpaid and 2. because my loan interest was miscalculated. I have compared their records of my payments made with the actual receipt of payments I made. There is a discrepancy of XXXX. I wrote to them in XXXX of this year advising them of this situation and asked for a review, explanation or confirmation of my receipted payments which are not shown on their records. I never received an answer. I simply wish for this situation to be corrected and receive a refund totaling the payments I made but were never credited to my account. I have all the receipts for these payments. If there is a reason why these payments were not credited to my account, I would like an explanation. Thank you so much for your assistance in this matter. I am XXXX and a senior citizen living on a small fixed income. A refund of the overpaid amount on this loan would be of enormous help to me. P.S. At the time my loan was made and for several years thereafter I was a service member 's Spouse. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Social Finance, Inc. (OR).
Issue: Getting a line of credit

Complaint: I have asked the company in question to stop offering me their credit products ( or any product/marketing communications for that matter ) but I'm still receiving offer letters sent to my home on a monthly recurring basis.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (I do not know) with Delta Management Associates, Inc. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my account and is a result of identity theft. I have tried to resolve this unknown debt with the previous creditor - XXXX And sent 3 notice letters requesting the validity of this debt and never responded. They refuse to respond to my request in writing and " in writing '' is the only way i want to be contacted. They are fraudulently collecting a debt that is not mine/never authorized. And refuses to show proof of validity this debt is mine! I demand that all correspondence regarding this debt is sent to me in writing.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Bank account or service (Other bank product/service) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: This complaint is about being self sufficient. The only thing that we have ever requested form Select Portfolio Servicing Inc. hereafter referred to as SPS. From the beginning our position was to pay our taxes and insurance ourselves, by doing this we could pay their principal and interest ever month that they require, We fell by doing this we would pay SPS payment BY THE XXXX of Each Month. We would also have some money left over to get other things, such as XXXX, ( see XXXX ) to protect our investment. Whereas, then we could put some money on the principal to bring the loan amount down within a year considerably. 

d ) We also know our finances and when they come in doing the month. Therefore, we know how to schedule out those payments so that we would not ever fall behind on any of our Loans, Home and Car. We could even put a little something up to pay on our credit cards which would improve our credit score, thus improving us sell our house and move into our dream house, or we could get another Bank to take our loan with a lower interest rate. SPS want to take advantage of consumers. So we can see why people filed complaints against Select Portfolio Servicing Inc . The Company is trying to steal a property that was appraised at {$320.00} XXXX home for XXXX dollar investment as of XXXX 2016. We feel the second reason for this is that SPS knows when we receives our income and how we receive it because of our last modification when we had to show the income that which was coming in, therefore, this is why SPS put our payment plan to pay by the XXXX of the month, so they could always report to the credit reporting agencies that we are late on our monthly payments. Our We also know our finances and when they come in doing the month. Therefore, we know how to stretch out those payments so that we would not ever fall behind for them to every foreclose on our property ever again. XXXX knew they would taking half of our resource monthly by placing an escrow account on us. So we can see why people filed complaints against Select Portfolio Servicing Inc . 
1. See the XXXX Attached complaints XXXX XXXX XXXX pages XXXX. See the XXXX Attached complaints Why Wo n't the Government Help Against Select Portfolio Servicing Inc. Fraud. 3 pages XXXX. See the XXXX Attached consumer complaints and reviews about Select Portfolio Servicing Inc. XXXX pages We are asking The Department of Housing and Urban Development, Consumer Federal Protection Bureau, to investigated these allegations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Unfortunately Bank of America does not care about their customers! I contacted customer service today because they sent me the wrong debit card. I ordered the XXXX White Sox affinity debit card, and selected it online when I opened my account. The customer service rep XXXX fixed it to the white sox card and when I asked him to overnight me a new card he said there would be a {$15.00} fee, I asked him to waive it since it was Bank of America 's fault, he refused. I asked him to explain the situation to his supervisor and see if she could waive the fee. He came back and said his supervisor XXXX XXXX denied the request, refused to give me her first name or either of their employee ID numbers. Completely unacceptable! I guess this is how Bank of America treats their customers! Now I have to wait 5-7 days before I can have access to my money, and they wo n't take care of a customer over {$15.00}??? TERRIBLE BANK! I am thinking of switching and going elsewhere, why should I stay with a bank that is n't there for their customers?? I would like to have a {$15.00} credit placed in my checking account since I ca n't access my funds for 5 -7 days I think that 's fair. I have already posted social media as well and will be writing a personal email to the CEO and VP of Bank of America on how terrible their customer service department is. That supervisor XXXX XXXX should immediately be terminated for allowing this type of behavior be be conducted by her associates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: From what it looks like on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were accounts opened with XXXX XXXXk. I DID NOT open these accounts at all! I want this this is ruining my credit and how i can open up an account also it looks like someone opened up an account at citizens bank as well on XXXX/XXXX/XXXX I had my wallet stolen but I dont get how they opened my account like this! 

I have tried to talk to them and they wont do anything about it. I just keep getting bills to pay it. I am not paying anything that i dont owe!

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: they are saying i didn, t make any payment since XXXX but that is not right because waas about XXXX or XXXX and i think their is something illegal in this attempt to collect the debt

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: On XXXX/XXXX/XXXX, I made a purchase totaling {$85.00} on my JC Penny Credit CardAlmost a year later, in XXXX of XXXX, I received a notice from XXXX XXXX XXXX for {$230.00}. Not knowing what it was for, I contacted them and upon my inquiry realized it was for the purchase of the {$85.00} made the year before plus all of the collection/late fees. We had moved and the billing address was not updated to reflect the new address which I accepted responsibility for. I immediately contacted JC Penny and they had record of return mail and accepted and filed a dispute on my behalf. For the time period of XXXX XXXX XXXX I never received any information about my dispute, and the collection calls kept coming. In XXXX of this year, to finalize this, we negotiated the {$230.00} balance and settled with XXXX for {$120.00} which was paid. Two weeks after settlement and almost 7 months after filing the dispute, I received notice from JC Penny they were finding in my favor for the dispute and that they placed my account back in good standing. I then received a statement from JC Penny for {$110.00}, which is basically the {$230.00} less the settled amount of XXXX that was paid. Essentially all of the late fees. I contacted them to advise the account was previously settled and as part of that settlement the acct should be zero, but I get nowhere. I have attempted to speak with agents and supervisors on a few occasions, ( XXXX XXXX and again XXXX XXXX ) but no one seems competent enough to assist with this so I am seeking help to resolve this once and for all. I am now getting {$25.00} late fees assessed on the {$110.00} balance when there should n't be a balance. 
Thank you for attention to this matter and am willing to cooperate to get this settled quickly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the XXXX to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. I request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and 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 09/29/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Collection Agency XXXX. XXXX, XXXX failed to provide proper validation documents for XXXX cell phone account for the amount of {$1800.00} and it was removed from my credit report XXXX/XXXX XXXX. In XXXX XXXX a new collection agency Diversified has reinserted the same cell phone debt of {$1800.00} in XXXX and I never received ANY notification at all pertaining to this. It just appeared on my reports in XXXX stating that it began in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MI).
Issue: Managing the loan or lease

Complaint: My XXXX credit report shows the following under the SYNCHRONY BANK/JCPENNEY : " Account in dispute under Fair Credit Billing Act. '' I am not in dispute with JC PENNEY. Please explain what this means.

Company response to consumer: Closed with non-monetary relief