milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted application for home modification with my servicer a year ago. They have been asking for documents since then. We provide them every time they ask. I feel that we should have been given an answer in a timely manner. This has caused the arrears to continue to go up. If we would have been given an answer in a timely fashion, we would have been able to explore other options. They simultaneously have served us with an intent for foreclose, with 35 days being given to answer the complaint. My husband and I have been doing everything we could to save our home, i.e. making applications to better paying jobs, going to food pantries, eliminating unnecessary bills such as cable, and keeping our old cars, which have no monthly payments. It is essential for us to keep our home. We have been here since we are married and have a special needs son. This house gives him some stability, and he is currently in a good education program, where he is making progress. We would just like them to provide an answer once and for all. At this point, they have all updated income information and bank statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting three accounts on my credit that can not be validated and do not belong to me. I have disputed this on numerous occasions, on dates : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ''. The first account is under XXXX XXXX with account number " XXXX ''. The second account is under XXXX XXXX with account number " XXXX ''. The third account is under XXXX XXXX with account number " XXXX ''. The other credit bureaus have deleted the accounts once they verified the information was not mine and I am including the confirmation letters of the deletions in this complaint. See Attachment. How and Why is Equifax getting a different outcome for the same investigation the other two credit bureaus initiated? XXXX and XXXX deleted the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (I do not know) with AFNI INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with National Credit Adjusters, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: National Credit Adjusters sent me a letter stating that I own {$440.00} on an account that is not mines. I replied to them and stated that the account was n't mines and if they can validate the information by providing a copy of the original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if they do not take this off my credit report no later than XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I applied for a private loan to attend XXXX XXXX College. Started school XX/XX/2016 and tbe school closed down on XX/XX/XXXX. We showed up Monday XX/XX/2016 to find notices on the door. My lender kept giving me the run around on discharging my loans stating the school would find a teach out program. I have attempted to call several times. I have also been told please call at a later time as they are gathering concrete information from XXXX XXXX XXXX of XXXX XXXX TX. I was also advised XXXX actual lender was waiting to hear if we were offered a teach out. The teach out is through a University and they are not dealing with any private lenders. I feel this is unfair that we have to pay for a loan that we did not het an education ln due to school closure. 
I have this private loan with UAS loans for {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I complained about the same situation a couple of years ago. Ocwen sent fictitious records which they will probably do again. I have a mortgage being serviced by Ocwen. I have been dealing with this issue since XXXX. I have been harrassed, threatened foreclosure, They stated I owed them XXXX dollars at one point then I got an attorney and they stated less just three weeks ago they said I owed them XXXX, A week later XXXX. This week we are at XXXX. My lawyer was costing more than the equity so I dropped them and I am back to square one. Bad credit, stress and unable to obtain financial peace of mind. I had the loan originaly serviced by Indymac even though it was the same company it changed to OCWEN. Indymac had sold my loan while having errors. I disputed the errors to OCWEN. I asked them to respect RESPA but to know available remedy. OCWEN does not have a representative to talk to each representative regergetated the amount shown on their computer and when fees where assessed I had no other remedy other than to complain or pay the ballooned balance and eroneous fees or suffer the consequences. Since I am writing this, It can be assumed that I chose to suffer the stress, humilation and embarassment of being chastised by my work as OCWEN called or by being harrassed by the representative. OCWEN upon assuming the loan also began to charge me exessive amounts on my escrow account. They have now stopped accepting my payments as they have done before. They have returned three payments that happened to be the only payments that I have missed during this tenure. I offered them a settlement of XXXX. They accepted however they stated that the loan must be paid off by XXXX/XXXX/XXXX. I obtained a loan from XXXX I explained that it was a settlement and they agreed to work fast. The loan was ready to go all they needed the bank to say was this was a settlement and the loan will be considered paid in full. Every phone call to OCWEN from XXXX XXXX repeatedly stopped the loan by telling the processor that it was a short sale and that the home was in foreclusore. Each time I called the representative they stated that it is not so that it was a settlement. XXXX XXXX attempted to contact OCWEN with the same results that I have had for 9 years. Different representatives and unable to confirm that the property was not in foreclosure or short sale. After the date expired I recieved a letter explaining that they had offered a short sale. Even though I am the original owner who they were offering the settlement to.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I work as a   XXXX   XXXX   XXXX   at a   XXXX  (  XXXX  ) (  XXXX  )    XXXX   XXXX   XXXX   XXXX   XXXX  . We are funded in part by  XXXX   XXXX   XXXX . In  XXXX  I submitted certification to participate in  Public Interest Loan Forgiveness  and my employer,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and m y employment was certified on   XXXX   and   XX/XX/XXXX   respectively. My employment was certified and I was given credit for 8 qualifying payments made between my start date at my job   XX/XX/XXXX  and m y certification end date of   XX/XX/XXXX  .     Absolutely no information has changed. My employer is a  XXXX  (  XXXX  ) (  XXXX  ) organization and clearly qualifies for PSLF for its employees.     On   XX/XX/XXXX   I submitted an employer certification to track my progress and on   XX/XX/XXXX   I received an electronic noitce with a letter titled " WE COULD NOT ACCEPT YOUR PUBLIC SERVICE EMPLOYMENT CERTIFICATION '' The letter then states they have " determined that you  may  not participate in employment and payment tracking for PSLF or that we need additional information to complete our review '' It then tells me my certification is under review, but does not give any reason why my certification was rejected and does not ask me to submit additional information. It gives me no options to address this absolutely bogus response to my legitimate employment certification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Chase mortgage on XXXX/XXXX/15 dated XXXX/XXXX/15 stating that my XX/XX/XXXX mortgage payment was past due on account # XXXX. I called to inquiry why and how is my payment past due when I made the payment online on XXXX/XXXX/15 from my Chase checking account to my Chase mortgage account. The fund was immediately debited from my checking account on XXXX/XXXX/15. When I called the bank they told me my account was in lost mitigation. I have not miss a mortgage payment in years. I make my payment the same way online however it seems they have being crediting my account when they feel like it. I was told by a rep. that my account was up to date and she does n't know why i am not able to make my payment directly from my mortgage account. She told me it was an internet banking issue so i was transferred about four or five time on XXXX/XXXX/15 about XXXX or so. I was eventually told by the internet rep. some one would get bank to me. On XXXX/XXXX/15 at XXXX I received a call from an internet rep who told me my mortgage was with lost mitigation and that 's why I could not make my payment from the mortgage account site. He referred me bank to the mortgage department. I can and requested a supervisor or manager and I was transfer to lost mitigation where the rep asked me to verify myself which I did. However, the process got ridiculous with her asking for my middle initial. She told she could speak to me any longer if I did n't give my middle initial so I asked her to give me some who will. She transferred me to a customer abuse recording which ultimately hung up the phone. i received no help and I think they are trying to commit mortgage fraud by putting me in default when my payment are make on time. I assist in this matter. They have done this to me in the past which result in late payments my credit report in XXXX and XX/XX/XXXX which has affect my ability to get credit even today. This is very disturbing and upsetting and I am afraid they will try to take my house. This is bring great stress to my life, when I am making my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Fraud or scam

Complaint: My card was missing and I reported my card lost on XX/XX/XXXX. The representative that I spoke with told me that they were sending me a new card and a dispute form to fill out, because they were unauthorized charges on my card. Two weeks later, I have yet to receive both items. I called Rushcard again and was told that they did send it, even though I have yet to receive it. After arguing with a supervisor, they sent my dispute form In two hours. They also told me that during the process, then I will be receiving a provisional credit onto my account while the investigation is takin place. I turned my dispute forms in on XX/XX/XXXX, and on XX/XX/XXXX, they informed me that there was nothing wrong with my account! They then tell me that I can file a rebuttal letter against them in order for them to re-open my case. I sent in the rebuttal letter three times and they told me various excuses as to why the fraud department could n't look at it. One representative even told me on XX/XX/XXXX that if I turn in my rebuttal letter, then I would have a provisional credit placed on my account. Throughout this time period, I still have n't received my new card. They said they sent it on XX/XX/XXXX and it is now XX/XX/XXXX. According to them, my card should have been here from 5-7 business days. Not only do I have a card, but I have also endured a loss of money because they failed to investigate the disputed amount that I inquired about. Because they failed to comply, I am filing this complaint, a complaint with the Better Business Bureau and I will also contact an attorney to sue, because of the loss that I had endured while dealing with Rushcard and their representatives and the damages they have caused. I am missing almost {$900.00} out of my account and they failed to investigate that and to give my money back. Because of that, I am at risk of falling behind on expenses that is needed to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have notified experian several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.

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 04/27/2016 about Debt collection (Medical) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had XXXX XXXX back in 2012 my insurance did n't cover the doctor bill and i could not afford the {$6000.00} from private doctor so Pressler & Pressler took over. As a single mother its hard for me to pay rent and utilities never mind an extra monthly bill at no fault of mine " XXXX health insurance ''. I read an article in the XXXX XXXX about XXXX today and i thought to myself wow they have been sending me threats that they will take me to court, garnish my check sue or possible jail time. I 've been paying since 2012 and still paying to this present date. There are some months that are rougher than others so i only pay what i can and the next thing i know my phone is ringing off the hook and i get a letter stating there going to take me to court. Ive had debt before and most collection agency work with you not against you.. they make settlements etc Not XXXX XX/XX/XXXX makes 5years ive been paying them because there interest rate is over 30 % which i thought was illegal in itself in NJ. Thank you for time in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: I had a mortgage through Chase Bank. I sold the house in XX/XX/XXXX through a title company and realtor. Chase did not apply the funds to the account appropriately, so the account remained active and open. I realized this in XX/XX/XXXX. After a large number of attempts to resolve the issue via phone, fax, email, in person, attorney, etc., the account was finally closed in XX/XX/XXXX ; however, Chase damaged my credit score throughout the 16 month process since they showed the home in foreclosure. They closed the account without me making another payment on the house since XX/XX/XXXX. Chase owes me money out of the escrow account, an apology, and a repaired credit score as I am being turned down for credit I would otherwise get if they had carried out their fiduciary responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I request a payday loan for {$1000.00} with BigPictureLoans.com, my understanding was that the amount to be repaid would be {$350.00}, plus the amount borrowed. BigPictureLoans has attempted to charge me {$350.00} for several months, making the repayment amount thousands of dollars. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Applied checking account with {$250.00} open account bonus promotion.     The requirement is " To receive the {$250.00} promotional credit to your primary  Wells Fargo  checking or savings account, the following requirements need to be met  ; * Make 10 p urchases or payment with your  Wells Fargo Debit C ard or * Establish a qualifying Direct Deposit on an accumulated {$500.00} or more The {$250.00} credit will post to the account within 60 days of the account opening. ''  XX/XX/17    Account opened with {$50.00} initial deposit  XX/XX/17    {$500.00} direct deposit from my employee   XXXX     Another {$500.00} direct deposit from my employee  Submitted   XXXX  forms and went to Bank for signature and so on as they indicate as reasons for holding the bonus.     Bonus never posted.      XX/XX/17    Receive letter that I did n't meet the requirement for the bonus  ( le tter dated as  XX/XX/17    ). The requirements are the same as I cited earlier and the same as what I saw when open the account.

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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX, I enrolled my American Express card into this promotional offer ( see attached for email confirmation ) : use your enrolled Card to spend {$350.00} in one or more transactions in-store at XXXX XXXX or XXXX XXXX or online at XXXX or XXXX by XX/XX/XXXX. Earn XXXX additional Membership Rewards points, one time. 

On XX/XX/XXXX, after the enrollment I made on purchase for {$350.00} on XXXX and received American Express email confirmation that I will receive XXXX within XXXX days. Please see attached. 

On XX/XX/XXXX, after many calls following up with American Express, they refuse to honor the promotion. A disappointing scam as I would not have made the purchase on XXXX if it was n't for this promotion. I 've been with American Express for so many years and this is the first time I 've been so ready to discontinue my relationship with it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Struggling to pay mortgage

Complaint: My wife and I filed a application for mortgage modification XXXX  2017. I was a sent a letter requesting documentation ( please see attached ) I sent the requested information and was informed by Select Portfolio Servicing that no foreclosure proceeding would take place during the modification process. Approximately 2 weeks later we received a Act 91 notice of default and foreclosure. We have provided all the documentation requested as told to me. I have spoken with numerous people and each person request different information in different formats. One person recently informed me she did not know what a COLA ( cost of living increase adjustment ) from Social Security.
I am fully XXXX and live on a fixed income, my wife works and her aunt resides with us and pays us monthly rental income. We have every intention of remaining in our home and have no where else to go, our credit is poor and renting will cost us more than our mortgage each month.
I feel that SPS is stalling in order to foreclose and take our property. We have fallen behind on our mortgage due to numerous circumstances primarily my XXXX  and inability to work fulltime. I have since obtained XXXX and combined with my wife 's income can now manage our mortgage payments but need the arrearages modified over time. Please help me in getting this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: My account balanc e was discharged in a Cha  pter  XXXX  Case  #  XXXX  filed   XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . To  date the financial institution has continued to report my account negative to   XXXX   XXXX  . I was granted relief from this debt and I want the account removed from   XXXX   XXXX   immediately.

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