milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Trouble during payment process

Complaint: To Whom it may concern. 

I would like to add to my complaint XXXX from XX/XX/XXXX about Select Portfilio Servicing.. On XX/XX/XXXX this year XXXX sent a letter to the ohio dept of commerce they took XXXX out of my account because it belonged to another customer.. This is what happened I had a third party disability insurance which made payments for my mortgage which at that time went to XXXX then last yr XXXX sold my mortgage to XXXX,, The insurance company still made payments to XXXX  and XXXX sent money to XXXX.. On XX/XX/XXXX of this year XXXX sent by XXXX XXXX a check in the amount XXXX, therefore that money should be put back into my account and apply it to my monthly payments. also i want a complete audit of my account with XXXX with a mistake like this there may be others, which may effect my account. I have written to XXXX  research dept to get all the payments that they sent to XXXX. dates and amount. Once I have this paper work I will fax to you and fax to XXXX, and I will file a new complaint with the ohio dept of commerce, and to the us attorney general. 

I want to thank you again for your time and effort 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 04/13/2018 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SUNRISE CREDIT SERVICES CALLED MY PRIVATE PHONE NUMBER TODAY, XX/XX/2018, APPROX. XXXX, FROM XXXX, HIDING THE NUMBER OF THIER BUSINESS WHICH IS XXXX. XXXX XXXX started barking claims at me, tell me i owe some type of debt. I immediately told her i have no contract with Sunrise Credit and they must NEVER call me again and I demanded Validation of Debt, pursuant to the Fair Debt Collections Practices Act and informed HER, they have 30 days to provide proof of their claim and any communication within that 30 days, other then about the Validation, is a {$1000.00} fine, per incident. I called the company back later on during the day to obtain an insurance Claim form from this company so i may make a claim for damages. They told me my number has been removed and then questioned me why i was calling them. I asked for a Claim form because i was damaged by this company. Everyone at this company has refused to supply me with an insurance claim form. I asked a manager for a claim form and he hung up on me. I had to call back again to ask for the Claim form, this time i was transferred to a Supervisor who refused to listen to me, continued to rudely speak over me, refused to comply with obtaining a Claim form for me, which i demanded several times, he claimed the FDCPA does NOT apply to Sunrise Credit and then hung up on me. I specifically told this Supervisor named XXXX that Sunrise has injured my person and i need a Claim form to file a claim. XXXX asked me Why, instead of supplying the form and then hung up on me. The manager also had the nerve to ask me for my Social Security Number and told me, he can ask me whatever he wants because of " THE LAW ''. ALL TELEPHONE CONVERSATIONS HAVE BEEN RECORDED. I HAVE AUDIO CONVERSATIONS WITH THIS COMPANY THAT HAVE BEEN SUBMITTED WITH THE XXXX  and CFPB IF APPLICABLE. Same recordings will be used in a court of law.

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 11/22/2017 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: Old information reappears or never goes away

Complaint: Experian is reinserting deleted accounts on my credit report from XXXX XXXX XXXX. All XXXX XXXX XXXX accounts were deleted by Experian. Experian was unable to verify these accounts. XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA these are the same accounts, same amounts owed. These accounts were deleted more than once from my credit report and now they are reinserted without my knowledge again. Experian is required under the FCRA to have properly verified the accuracy of these accounts if they have verified as required and requested why are they being reinserted? 
This is fraudulent and unlawful. As this collection agency and Experian appears to have resuscitated a confirmed deleted account on my credit report. I have continuously disputed this with Experian and they have only added a comment to my credit file saying that the consumer disputes this account. That is not acceptable!! I demand to have these fraudulent accounts removed from my credit file.

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 03/30/2017 about Credit card () with Total Card, Inc. (DC).
Issue: Application processing delay

Complaint: I applied for a credit card through XXXX and was approved on XX/XX/2017. During this time I did n't receive my card after multiple times calling in reference to not receiving it I finally received it on XX/XX/2017 and I activated it. I had already been charged the Annual Fee of {$75.00} and a Express mail fee of {$35.00}, so I paid the {$110.00} and then they closed my card. I asked them to re-open it because they had obtained the {$110.00} and after 2 1/2 weeks of constantly being told that it would take 3 - 5 business days to re-open the account, I was told yesterday that I would need to pay an additional {$89.00} before they could re-open my account. This is inconceivable and seems to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is regarding a {$180.00} debt bought from XXXX XXXX. Stellar Collections contacted my father, whom lives XXXX miles away, and whom I have n't lived with in over 13 years and told him the date of the delinquent bill, the full amount, and was asking how to get in touch with me. Subsequently, my family called me and informed me of all of the information, gave me the number to Stellar and said that they wished for me to call. This is outrageous and I also intend to file the issue within the court system here in Oregon.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax unsafely stored my data and as a result it was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Chase is the bank I will no longer bank with. 

On XX/XX/XXXX I had a negative charge of XXXX and I deposited {$10.00} to make it positive. 

I awoke to find out my bank account is negative XXXX. This is because of two overdraft charges that should n't be because I took care of it {$34.00} each one for XXXX which was the negative charge and the other was XXXX XXXX which was taken care of because I originally had them stick to their XXXX when I paid a {$30.00} stop payment on XXXX XXXX. 

Now I have this charge when I paid a {$30.00} stop payment and I covered the negative {$9.00} something. 

Please take care of this as I have never had a problem like this in which I wake up to this disaster. I am so upset that I woke up to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: My husband has an automobile financed through Ally Financial in Fliorida.He has missed ( XXXX ) payment! I work at a hospital and they continue to call my job every week after I have asked them mumerous times to not contact me at my employment and even identify themselves as Ally financial to my co wrokers who answer the phone. They have to go through a switch board to have me paged to come to the phone.We are not allowed to recieve personal phone calls through the company phone unless it is an emergency. This is becoming a problem since I am pulled away from seeing patients and doing my job to come to the phone and could cost me my job

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan with CitiMortgage dating back to XXXX. My family experienced some financial difficulty and had to file chapter XXXX bankruptcy, this dates to XXXX. Part of the agreement with the court was that XXXX would agree to modify the loan. After some trouble they were able to modify the loan and reduce the pricnipal balance by approx. XXXX. The stipulation was that they would agree to the principal reduction as long as I made my payments on time and each year on the anniversary they would take off XXXX of the balance off of my principal. The first yer went fine and they reduced my amount owed XXXX and change. The next year my loan was transfered to a different servicing agent. And then later in XXXX the loan was transfered again. So somewhere the information about this modifcation agreement got lost. I have the original agreement and I 'm sure if was filed with XXXX XXXX based upon the fact that my loan amount, term and rate all changed. My current loan servicer is not be very helpful. I sent an email to their depoartment with no response. My account manger says there is not direct number for the department that would handle this issue. I also wrote a letter to the compnay with a copy of the modication without any response. Now I am getting very frustrated as my principal reduction period is over and I may be looking toi sell the home within ghe next XXXX24 months. This would be a major issue when the pay off comes in XXXX higher than it should.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). 

Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XXXX/XXXX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XXXX XXXX, XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust XXXX YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XXXX/XXXX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XXXX XXXX through XXXX XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XXXX XXXX through XXXX XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX XXXX XXXX. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX Mortgage Pass-Through Trust XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XXXX XXXX, XXXX, received in this Commission on XXXX XXXX, XXXX, under the name of XXXX Mortgage Pass Through XXXX XXXX XXXX XXXX XXXX. XXXX 
Exhibit E Pooling Servicing Agreement stating that trust closed on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX I called Wal-Mart credit card company ( XXXX XXXX  ) after running over a nail with my car ( around XXXX XXXX  ). The customer service rep told me I could use the XXXX at XXXX XXXX to purchase tires and receive 12 months 0 % ... call when I purchase them and they would code it. I had options Monday night. I could have used my XXXX card and purchase tires right down the street from me. However, my father had just purchased fromXXXX  and was happy. After getting confirmation from the rep at XXXX I called XXXX and ordered my tires : they would be in by noon on Tuesday. That evening after work I went to XXXX and had all 4 tires put on ( awd you need to replace all 4 ). I called again to verify that I had just purchased the tires and needed it coded. I was told that it takes 24 hours and to call back. I said I will call Wed. The second rep told me to wait until Thurs. due to my job schedule I didnt get around to calling until Sat ( XXXX XXXX ). A third rep said she was sorry but they couldnt do it at XXXX even though it is a sister company. This is after the fact I just spent {$470.00} and have been driving on these tires 5 days! The supervisor told me this just means they have to train and coach the reps better. There is nothing they could do! I Feel mislead and trapped! If they had provided me with correct information on Monday, none of this would have happed. To add to it, the supervisor told me, I would be surprised how often this happens, that some reps are just on overdrive. I would get a letter in the mail from the financial department explaining why I can get the special finance. I cant believe what I heard! I am not the one who did anything wrong. I was just going by what they stated to me. On XX/XX/XXXX I called to speak to another supervisor. She tried to blame XXXX XXXX for selling the tires. I should talk to their manager. The manager Never was involved with the purchase, their company was the one who provided FALSE information making me use their card. Each time I called them I have asked for our conversation to be recorded. They said I could only have the recording if I subpoena them. I feel helpless and mislead. 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 non-monetary relief
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Danco Financial Services, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Danco staying I owe almost {$5000.00} and also have a repo on my credit which is not suppose to be there

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received a Stafford Subsidized and a Supplemental loan in   XXXX   to attend  XXXX  College Of  XXXX  which is located in North Carolina. Though I must admit that I have not always been diligent in my repayment of this loan, It seems because of the interest charges and whatever ; I have almost certainly have repaid this loan three or more times over. I requested a loan Discharge Application School Closure form in an attempt to get the loan expunged because the school closed before I was able to graduate, and after completion of the form I was denied. Here is the information from my loan :  Supplemental Loan  original principal - {$2300.00} total to be repaid - {$3200.00} current balance - {$2900.00}  Stafford Loan  principal - {$2600.00} total to be repaid - {$3300.00} current balance - {$3000.00} total current balance - {$6000.00} Disbursement date  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company I disputed due to same happens with a XXXX XXXXXXXX card

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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I signed up for a 0.0 % interest 6 month financing from American Express in XX/XX/XXXX. 

Every single bill since then I have had to call in because I am still being charged interest. I would call each agent at American Express and ask specifically WHAT AMOUNT DO I NEED TO PAY to keep my promotion and not be charged interest? They would tell me some story about some previous balance in XX/XX/XXXX ( although prior to this promotion I have ALWAYS paid my balance in full for the LAST SEVEN YEARS ). Each time I called the agents would tell me an amount I needed to pay to get rid of the balance that was being charged interest, so I would pay that amount plus more. The next bill comes in, and I'M STILL BEING CHARGED INTEREST for a 0.0 % financing promotion. None of my bills clearly stated the amounts I needed to pay to stop being charged interest so I kept paying more than the existing balance and more than the minimum. 
I tried to file a complaint with the agents at american express and no one has ever gotten back to me. I called again today and even the agents don't understand how I'm being charged interest or how the previous agents told me an amount that was not accurate to clear my bill. The latest story I received today was an agent " guessing '' that I was being charged interest because I signed up for their promotion in the middle of a billing cycle ... .again I AM THE CONSUMER how is it my job to decipher when I sign up for a promotion and how it affects my bill? If XXXX can not clearly and accurately bill me or tell me what I need to pay when I call, and I pay what they tell me to, this is not my fault. Clearly their system needs to be fixed. 

I find this a very misleading and unethical business practice, and if I am having this much of a problem that I need to call every month, I can only imagine how many thousands of other consumers american express is taking advantage of with their shady billing practices. 
They should not be allowed to advertise and have people sign up for a 0 % interest promotion and erroneously charge interest. If they are going to charge interest they need to be CLEAR AND PRECISE in their billing statements on the total amount that needs to be paid in order for interest not to be charged, because apparently every agent I called and spoke with had different ways of coming up with calculations and every time told me an incorrect amount. 

I don't have all of my past phone records but I do know that I contacted XXXX on XX/XX/XXXX and multiple times with various agents on XX/XX/XXXX which is also when I filed a complaint. And again today on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NV).
Issue: Struggling to pay mortgage

Complaint: My income was cut by almost 50 % in the past two years. It caused me to fall behind on my mortgage. I applied for assistance with Shellpoint Mortgage and they are now refusing, evading, to review me for assistance. They state I was offered a trial payment in the past and that is the reason. However, I hired an attorney to help me with the process and my attorney states Shellpoint is violating RESPA Regulation X by " evading '' review for assistance. I wish to apply for assistance and Shellpoint is blocking me from doing that. I could not accept the trial they were offering me at the time, but I can now make payments again. There is no reason they should be refusing to help me save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP

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 04/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The Servicing Company to my mortgage - Wells Fargo Mortgage is attempting to illegally foreclosing on my personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Wells Fargo Mortgage approved our file for a HAMP modification and has failed to process our final documents and monthly Trial payments which are unaffordable. They continue to threaten with foreclosure to kick us out into the street with eviction if we did n't accept the offer knowing very well that we can not afford the payment. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Wells Fargo Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclose on my property.

Company response to consumer: Closed with explanation