milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Was told I could be helped to refinance my property. I was never ever late but facing overwhelming debt and taxes owed by ex spouse and and SPS services left me facing worse situation. They told me to switch my bank loan to them which was perfect credit and then promised to help me.. SPS told me I had to miss a payment so I would go into foreclosure so they could continue to help me..but the reason I even applied for help was to avoid foreclosure!! I was trying to avoid foreclosure as they promised they could lower my payments. I thought it was awful they told me to miss a payment.. Even though I had never been late.. 2years of XXXX with them caused me to lose a rental property I had since 2002 for retirement income as SPS as I am close to XXXX ... I needed the property income. They made the situation worse, my renter moved out and nobody wanted to move into a property that now was possibly going into foreclosure!! and so then to try to save my credit I desperately had to try to sell the property and even when I found a CASH buyer to buy full price they waited 4 months and finally let me sell after pleading with them to please take the offer. They did but only after charging me tbousNds and thousands of dollars to them! I never got ANY help just pure XXXX!!!! The address listed is the property address that was sold. I never got the help they offered only a lost rental for income and had to pay them thousands at the end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My senior year of college, I needed {$18000.00} to financially clear and graduate. Unaware of the dangers, I signed up for a private student loan with a variable interest rate. Again, I had no clue what troubles lie ahead - I just wanted to graduate. I defaulted on the loan and it went into collections. XXXX became Navient and along came the calls. After a lot of back and forth we arrived at a settlement of sorts. Since that time, not one payment has been missed or late. Navient is being sued by the government, so I decided to check my account. In spite of the regular and on time payments, my account said that I was late and that late fees would be charged. The most strange thing, was Navient did register the correct date and the correct amount of my payment. I called Navient to address this issue. The person handling my case was both rude and condescending, when I asked about the contradictory information on my account. After telling me the account would be in collections until it was paid off, I was offered another settlement. I asked for the offer in writing and was rebuffed with " we do not provide anything in writing ''. I told the representative that I was looking at a document on their letterhead, with the reps name and signature on it, which was to function as a contractual agreement. So, I knew that they do provide documentation. In the end, I had to get off the phone due to the representative 's attitude. My account information is still inconsistent though.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automotive Management Services, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have called back in XXXX in the month of XXXX, XXXX I was advised to call the owner and I have called and sent certified letters and as of today 's date no response to any calls and or letters. I mailed the last certified letter back in XXXX XXXX 2017 and no response to anything.

Company response to consumer: Untimely response
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In late XX/XX/XXXX, I checked my credit score through XXXX XXXX, which I do twice monthly. I found a negative mark on my Equifax report, a recent Chapter XXXX, dated XX/XX/XXXX. This is not mine, my son who is my junior did in fact file a chapter XXXX. I called and filed a dispute via phone with XXXX XXXX and XXXX that there was a problem and still as of today XX/XX/XXXX. that negative mark is still on my report and causing financial stress and harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Three payments of {$840.00} were received by Sears in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; Sears agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I attended XXXX XXXX XXXX in 2005 to study the XXXX program and I have been over charged for this program they charge my student loan triple the amount for this course. I have been trying to pay for this loan for the past 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage after my wife became ill and the medical bills began to pile up. I was forced into bankruptcy and the payments are overwhelming. I hired an attorney to assist me in applying for a loan modification with my lender, SLS. My attorney submitted my complete financial package to SLS in XX/XX/XXXX ( Approximately XX/XX/XXXX ). My attorney has been calling SLS every week to follow up and provide any additional paperwork they may need. My attorney states they have been very diligent in providing all paperwork on time and confirming all paperwork was received. I was also informed by my attorney that servicers such as SLS are no longer allowed to " evade '' and stall the review process ( RESPA Regulation X ). I feel my servicer has done just that. Today is XX/XX/XXXX and my application and all paperwork has been submitted by my attorney. The most recent note are attached to this complaint. Just today SLS told my attorney that they were going to deny my application for missing paperwork. Today it has been over two months since I applied. All paperwork that was requested was supplied in a timely manner ( At most within a few days of it being requested ). SLS is playing games, dual tracking me, evading review and stalling when they have enough information to make a decision. I am on a monthly payroll. I only receive one check a month and that is it. My wife gets a very small income from royalties and other than that our application is very simple. My attorney states SLS is doing this on purpose to force me to get frustrated and just give up my house. This appears to have broken the RESPA laws and I would like the CFPB to look into 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 01-10-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Looking at my credit report on XXXX XXXX XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and XXXX ( Health Insurance Portability and Accountability Act of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, I have dealt with this same issue with PayPal since I was credit the amount of {$15.00} back on XX/XX/17. Every billing cycle since, I keep getting charged {$15.00}. I have called every month to have PayPal handle this, and I have gotten all kinds of reasons why it was charged again ; that it will be handle and I will get the credit, and yet it 's has not been taken care of. I have also been charged a interest fee of {$2.00}, as I did not pay the {$15.00}, so now it showing I owe {$17.00} ( on top of what I actual owe ). I mention to PayPal that if this is not rectify by the next billing statement ( which I just received ), that I would be making a formal complaint with other agency, and here I am.
<P/>
I have attached several statements that I have added notes to, to keep track of, along with the most recent emails. I need for PayPal to credit the {$17.00} once and for all, as I am tired of the runaround I have been receiving. <P/>Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX I received harassing phone calls from an XXXX XXXX stating he was calling on behalf of XXXX XXXX XXXX. He called me at least 5 times within a 2 hour period, and left messages stating I 'd be responsible for a debt and continued to recite my personal information to include my social security number. I received at least 10-20 phone calls over the span of 12-24 hours, and continued to receive harassing phone calls, even when I told them to stop calling, because I did not know who they were. I had to block the phone numbers they called from, because the phone calls would be disruptive during the work day, and they would not stop. I filed an Identity theft affidavits with the IRS and notified XXXX and XXXX to place fraud alerts on my accounts. I saw an alert that an account was added to my credit report ( XX/XX/XXXX ), by the name of MIDWEST RECOVERY SYSTEMS, on behalf of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Auto) with Wilber and Associates, P.C. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Wilber & Associates received this case from XXXX, whom I had already provided documentation from WA State of title transfer for the vehicle involved in this case on a date well-prior to the claim date. This correspondence in its very existence is harassment since XXXX should have not passed my information on to an additional collection agency. Additionally, the language in the letter is threatening in that Wilber & Associates alleges that they " are attempting to resolve this matter in an amicable fashion '' however the options listed for responding only include 1. payment and 2. providing insurance coverage information and do not include an option for disputing that I am responsible for the debt being collected.

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 06-06-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Carrington Mortgage Services LN  XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX  ,   XXXX   XXXX   CA   XXXX   On  XX/XX/XXXX  we started a short sale with  XXXX , who was the servicer at that time. It has since been transferred to Carrington Mortgage Services ( CMS ). On  XX/XX/XXXX we faxed a complete short sale package to CMS. On  XX/XX/XXXX  CMS claimed their BPO came in at $ 260k and they countered the buyer at this price.
<P/>
This price is not at market value and we have requested a copy of the BPO multiple times ( as per ECOA guidelines set forth by the CFPB ). CMS has outright refused to provide a copy of the BPO, stated they dont have to follow anyones guidelines, and insisted that the BPO came in at $ 260k.
<P/>
We have since received an appraisal done by a Licensed Appraiser adn the value came in at $ 197k. it is obvious CMS has manufactured the value of $ 260k and has therefore committed Valuation Fraud.
<P/>
Well, since we were planning to go after the BPO agents license for Valuation Fraud, we decided to discuss this with said BPO agent. The BPO agent emphatically insisted he did NOT bring the value in anywhere near $ 260k. That leaves the Fraud resting squarely on the shoulders of CMS not a surprise to us, actually. Every single file we have ever had with CMS has resulted in multiple CFPB complaints as a result of their FRAUD.
<P/><P/>
1. CMS forecloses on properties to that they may steal the homeowners equity in the property.
2. CMS forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. CMS forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves Please read # 3 again CMS has THEIR OWN RETAIL DIVISION that will list and sell properties to the benefit of CMS.
CMS has violated ECOA guidelines by refusing to give a copy of the BPO that was done.
<P/>
CMS has committed FRAUD by establishing their own value CMS is refusing to give an appropriate value for the property in order to prevent the short sale from taking place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels.
<P/>
I am sure CMS is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help.
<P/><P/><P/>
This is NOT the 1st time this EXACT COMPLAINT has been made against CMS. Not only are there thousands of other people that have filed complaints for these reasons, but we too have already filed complaints against CMS for these same reasons. We would be happy to provide evidence of this upon the CFPBs request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Checking my XXXX Credit Report they list my Chase Mortgage as " Delinquent ''. 
This Mortgage was transferred to XXXX XXXX XXXX XXXX, XXXX. 
This Mortgage was " PAID IN FULL '' on XXXX XXXX, XXXX ; see attached Letter from XXXX XXXX or contact them directly for independent verification.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with CITIBANK, N.A. (CO).
Issue: Billing disputes

Complaint: I made a purchase with at Macy 's with my Macy 's credit card ( # XXXX ). The items never arrived. I disputed the charge but Macy 's refuses to credit my account and wants me to chase my refund via their shipper. I have no contract with their vendor. My contract is with Macy 's. I want my refund. Please help as this is consumer fraud.

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 01-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I requested a wire transfer from Coinbase ( XXXX ) back to my account at XXXX XXXX in the amount of {$10000.00} which was my limit to transfer per day I then made 3 additional wires after that in the amount of {$10000.00} each time for a total of {$40000.00} it is now XX/XX/XXXX I have not received any money to my account and the XXXX account indicates the transfer of funds is complete for all {$40000.00}!!! I have called customer support after an hour wait on the phone was told they would contact the mother company to expedite my wire transfer. I called again today and waited 35 min. and was told I need to wait for the the department handling wire transfers to contact me! This is unacceptable please let me know if you can help get my money out of this company!

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing statement

Complaint: In the XXXX transition to XXXX debacle, I was denied access to my XXXX statements and records. When I got onto my XXXX account, I was not able to access my records. I was not able to access my records on XXXX because I was n't sent a XXXX card. I assume if I never get a XXXX card, my XXXX records would be lost to me forever. 
Would that be legal? Can a credit card company deny me access to my records?

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 01/21/2017 about Mortgage (Reverse mortgage) with Live Well Financial, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My Lender will not give me a Loan Modification on my Father : s Home my Fsther Died and left me his Property so i am the Administrator of his Estate but this lender will not work with me on a Loan Modification and the lender has a sale date and the lender will not work with me so my home is going to sale

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX lied about infomation on report and lied to exprion reporting agents and said thay new in fomation on me when thay lied to make exprion un block id theft block my name is XXXX 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 05-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015, I called to change my account type to a " Basic '' checking account. I experienced a job loss, and I was no longer able to meet the direct deposit requirement for a fee waiver. The representative performed the switch to a " Basic '' account which would lower the monthly service fee from {$25.00} to {$12.00}. This change was not actually performed, and I have been charged the {$25.00} fee for five months. The bank refuses to credit me for the five month period of fees, despite having no activity on the account. I 'd like a refund of the {$65.00} in additional fees charged due to the bank 's error. ( 5 months x {$25.00} ) - ( 5 months x {$12.00} )

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 monetary relief
Consumer complaint received 06/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I believe the federal Student Aid, US Department of Education and FedLoan Servicing are utilizing deceptive trade practices when borrowers consolidate their federal student loans. The reason behind is allegation is as follows : 1. When consolidating federal student loans they do not provide any type of Truth In Lending documents. They do not even provide the payment amount per month until after the right to cancel passed ( 60 days ). Once I realized that I could not afford the payment I was passed the cancellation date. Now I am stuck with a student loan payment that I can not afford. <P/>2. In the federal student loan online consolidation system it allows the borrower to check the box for an Income Based Repayment, regardless of whether or not your loans qualify for this type of repayment. This is a flaw in their system. <P/>3. Poor information is conveyed both verbally and through the website about the affects of consolidating Parent Plus loans into other federal student loans. We contacted Student Aid.gov and spoke with them prior to the consolidation and were not warned about the differences in payments between and IBR and an ICR. The website is not clear either.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX Lending is attempting to add a forced hazard insurance premium on my property despite adequate coverage or requiring " flood insurance '' when the property is not within the FEMA guidelines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I sent in to the credit bureau a copy of my identity theft report, police report and a letter detailing the fraudulent items that I requested to be blocked from reporting on my report. Some items were blocked, however, not all of them listed in my letter and in the police report were. There are XXXX tax liens and a bankruptcy that is being reported in error on my report. I have never filed bankruptcy, nor have I had any tax liens against me. I contacted the courts directly and was told that they do not report to credit bureaus and that I would have to deal directly with Experian, as the other credit bureaus blocked the fraudulent reporting. Upon contacting Experian, I was told that they verified the accounts and will continue to report them. How can they verify them with the courts, if the courts do not report to them or communicate with them? I do n't understand why Experian insists on reporting fraudulent information at my expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation