milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working on a short sale with Select Portfoio Servicing since XXXX/XXXX/XXXX this loan was issued a HAFA program approval letter on XXXX XXXX, XXXX valid through XXXX XXXX, XXXX with a sales price based on a value of {$160000.00}. An offer was submitted to SPS at {$160000.00} along with the required documents as outlined in section XXXX of their letter. SPS has delayed the review of the file and continued to request documents over and over again even after approving this file. I filed a complaint with Making Home Affordiable and in retaliation SPS canceled file as they said the buyers offer was to low, this property had a value of {$160000.00} and a HAFA approval letter issued in XXXX. SPS updated their values on XXXX/XXXX/XXXX and increased the value to {$170000.00} after they had already issues an approval letter based off of the {$160000.00} value not an updated value of {$170000.00}. SPS has failed to follow the HAFA guidelines and has caused harm to the borrower and the buyer. 

Please see the below timeline as it relates to the buyers offer. 
XXXX/XXXX/XXXX - VALUE {$160000.00} ( This was the BPO value provided by SPS ) XXXX/XXXX/XXXX - SPS Issues HAFA Approval letter good through XXXX/XXXX/XXXX XXXX/XXXX/XXXX - {$160000.00} Offer Submitted XXXX/XXXX/XXXX - SPS requested all seller financials ( After HAFA approval letter had already been issued ) XXXX/XXXX/XXXX - {$160000.00} buyer increased offer to {$160000.00} submitted to SPS XXXX/XXXX/XXXX - Requested addtional seller & Buyer documents XXXX/XXXX/XXXX - Requested addtional seller documents XXXX/XXXX/XXXX - Requested more information on buyers down payment XXXX/XXXX/XXXX - Esicated issue with SPS XXXX/XXXX/XXXX - New value of {$170000.00} ( HAFA APPROVAL LETTER AND BUYER OFFER ALREADY SUBMITTED ) XXXX/XXXX/XXXX - Submitted Utilitie Bills XXXX/XXXX/XXXX - Still reviewing documents XXXX/XXXX/XXXX - Escilated with Ombudsman department XXXX/XXXX/XXXX - Reviewing MHA dispute XXXX/XXXX/XXXX - File cancled for offer being to low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with CITIBANK, N.A. (PR).
Issue: Billing statement

Complaint: I applied for a credit card with Cit Bank a couple of month ago. I just realized that they are not displaying the minimum payment warning table. This is the table to inform consumers of the monetary cost and time it will take to pay off a credit card balance if they only make the minimum monthly payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I 'm XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CT).
Issue: Managing the loan or lease

Complaint: On XX/XX/2015 I purchased a bed from XXXX 's XXXX. They got me their credit card from Wells Fargo bank and applied a {$450.00} charge to the card. 

On XX/XX/2015 they charged me another {$3800.00} This is a legitimate charge for the purchase of the bed on XX/XX/2015. 

On XXXX Wells Fargo charged me a late fee of {$26.00}. It had been less than a month since the purchase - and I had not received a statement. 

On XX/XX/2015 ( when reviewing my bills ) I found that I had been charged a late fee. I called Wells Fargo and was told that the late fee would be reversed. I also paid {$500.00} on the card balance and setup automatic payments so this would n't happen again. 

On XX/XX/2015, while checking my account, I found that the {$26.00} service fee was not reversed. I called Wells Fargo and was told that the service fee could not be waived and that the account was in collections! At that point I requested that the account be closed - which I was told was done. 

I then wrote to XXXX 's XXXX to complain about this, and the wrote to you. 

After sending this letter to you, I will pay off the full amount due to Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: tax lein paid off

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I paid on a {$17000.00} loan for 11 years, and when I got divorced and was not get my mail my account was put into a program. I paid {$200.00} a month for a year then they add {$4500.00} to the balance to reinstate the loan. I Had to pay child support so I had go into forbearance for 4-5 years before I was offer income based repayment which I have been in for two years now. My loan is now over {$50000.00} which is 3x my original loan which I had paid on for 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Information is being reported on Equifax credit report that is not mine/no knowledge of account. In fact, this erroneous information was being reporting on a XXXX report and was deleted on or about X/X/17. 

The information is reported as : XXXX XXXX XXXX, amount {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Settlement process and costs

Complaint: We had a mortgage through Nation Star, last XX/XX/2016 we sold the double wide & XXXX acres.. to date I still have NOT received title to double wide. I now have spent hours calling them .... to avail .... I was told my issue has been accelerated.. but that was a month ago ... .. STILL no word or title ... this is 10 months now ... .I need help please ...

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 14X ) stating that Nissan stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the truck nor the amount that they sold it for. The amount I owe should be less whatever they sold the truck for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately fifteen working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that does n't belong to me. Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDMARK FINANCIAL SERVICES (DC).
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: LENDMARK FINANCIAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME. I SENT 3 LETTERS TO THEM REQUESTING FOR VERFICATION AND VALIDATION AND AS OF TODAY THEY HAVE NOT VALIDATED THE DEBT. THE DEBT IS NOT MIND AND DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit card () with SUNTRUST BANKS, INC. (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received an unsolicited, unauthorized and unwanted XXXX XXXX from Sun Trust. I phoned Sun Trust, spoke with XXXX XXXX who said she wanted to verify my complaint and would call me back. In the meantime, my grandson also received an unsolicited, unauthorized and unwanted XXXX XXXX. I phoned XXXX who said my complaints were " going up the ladder ''. After two months without hearing from XXXX, I phoned her to check the status. She said she would check again and get back to me. Not hearing from her, I called back. No answer, so I left a message requesting her to call me. Nothing! I tried many times to contact her with the same result. She would not answer my calls. I have the XXXX XXXX that were sent to me and grandson and both were ready to be used!

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 (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The person serving this Affidavit of Service ( XXXX XXXX ) committed fraud by reporting that this subpoena was served to me. 

This subpoena, resulted in a default judgment against me for {$34000.00} in the Supreme Court in XXXX County, XXXX, NY XXXX. 

I was never notified regarding this subpoena or the judgment. 

XXXX XXXX swore to a Notary Public that he legally delivered this Affidavit of Service to me. There are at least XXXX illegal statements on this subpoena. 

Now I have a Income Execution that was sent to my employer demanding the deduction of {$250.00} a month from my income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2017, I attempted to buy tickets online to a football game from a person using the alias XXXX XXXX. I submitted a payment using XXXX with XXXX on my Chase Mobile App to  XXXX in the amount of {$250.00}. Unfortunately, XXXX never transferred the tickets to me. One hour after making the payment, I called Chase Bank to report the fraud. At that time, Chase told me that the transaction had already been funded, and thus, they could not stop payment to XXXX 's account. Chase then opened a claim, and tried to receive the money back from XXXX 's bank. On XX/XX/XXXX, I received an email from Chase, stating, " We researched your claim and determined that the transactions are valid, so they will remain on your account. '' On XX/XX/XXXX, I filed a police report with the XXXX Police Bureau in hopes of catching " XXXX '' and getting my money back. On XX/XX/XXXX, I called Chase again with the request to reopen my claim and look into my police report. The woman I spoke to in the claims department reiterated that since I initiated the transaction, it was not considered fraud. She also said that a claim had been filed with XXXX 's bank, but that bank would not refund my account since the transaction had been funded. She would not share which bank XXXX uses, so I can not go after that bank in order to get my money. She also refused to consider my police report and did not write down my case number. I was basically told that it was my fault, and I needed to resolve things outside of Chase Bank. I, unfortunately, have no other way to resolve things because 'XXXX XXXX XXXX wo n't respond to any of my messages. I know {$250.00} is n't much money to Chase Bank, so I would like them to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: I went to an ATM in royse city, tx on XXXX/XXXX/15. I attempted to pull out {$100.00} from my XXXX card from American Express. a transaction record then printed showing that {$0.00} was dispensed. I called BlueBird because although {$0.00} was dispensed, they removed it from my account. They told me that I would need to dispute this. I sent them all the documents they asked for and they told me it would be 10 days. Today ( XXXX/XXXX/15 ) I received email that the dispute was denied. I called the Atm merchant and they explained to me that the dispute was received but they sent nothing back because the were ale to see that no money was dispensed. I then called blue bird back and they told me that they did receive legan documents showing that the money WAS dispensed. I am now going back and for with the ATM and Bluebird, someone is lying to me and I 'm pretty sure its blue bird.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with Capital Accounts, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (FHA mortgage) with WESTERN UNION COMPANY, THE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I was enrolled in Paymap 's XXXX beginning in XXXX XXXX for a mortgage serviced by XXXX. In XXXX XXXX, I cancelled the service and moved to a new address. 

On XXXX XXXX, XXXX, I received a letter in the mail regarding Paymap Inc. and Consent Order AP File No. XXXX. The letter notified me of a refund check that was issued sometime within the last year, but which I have n't yet received. It said that a replacement check could be requested by calling the XXXX Customer Service Center at XXXX. 

On XXXX XXXX, XXXX, I called the XXXX XXXX Customer Service Center and spoke with a representative there. She provided me with a claim number, confirmed that my account had an incorrect phone number and mailing address on file, and said that the check may have been mailed to the wrong address. She had no other information available, and told me to send an email to XXXXXXXXXXXX requesting that the check be reissued and mailed to the correct mailing address, which I did. 

On XXXX XXXX, XXXX, I received a secure email in reply from XXXXXXXXXXXX confirming receipt of my request. 

On XXXX XXXX, XXXX, XXXXXXXXXXXX replied with a second secure email informing me that my request was being reviewed. 

One week later, on XXXX XXXX, XXXX, I again called the customer service number provided in the letter to ask for an update on the status of my request to reissue the refund check. Again, the representative had no information available, and referred me to send a request to the email address. I sent another email to XXXXXXXXXXXX, and again only received an automated response that my request had been received. 

Today, XXXX XXXX, I called the customer service number a third time, and was told that they were not handling the refund checks, that they had no information regarding any requests for reissue, and that I should call XXXX, a different customer service number. Calling that number, I was again told that they had no information regarding a request for reissue. The representative told me that he could reissue a refund check, but only if I could provide the check number -- which I do not have, because I never received a refund check. He recommended that I send another request to the email address, which I did, only to receive the exact same automated confirmation email reply that I previously had ... Although not via secure email. 

I am still waiting for information on the status of my refund check, but have no means to get it using any of the contact information provided by Paymap , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tryed to dispute these accounts back in XX/XX/XXXX XXXX bank, XXXX, and XXXX  XXXX  with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX 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 non-monetary relief
Consumer complaint received 02-10-2016 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My hazard insurance renews this month, and I decided to change carriers. I advised Suntrust Mortgage ahead of time of my decision, had my new carrier provide all of the required information to Suntrust, and advised Suntrust NOT to pay my old carrier. Suntrust ignored my request and paid my old carrier anyway. Now I 've got a policy I do n't want, a new carrier who has n't been paid, and Suntrust refuses to help me. I want the premium they disbursed to the wrong carrier refunded to my escrow, the correct carrier paid, and some sort of compensation paid to me for all of the time I have had to spend trying to unravel this mess they 've created.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian credit prepared report dated XX/XX/2015 have us filing Chapter XXXX Bankruptcy on XX/XX/2015 and that grievous error was made. We have NEVER filed for bankruptcy on XX/XX/2015.We have had our credit denied several times because of this report from XXXX XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   -  XXXX   XXXX   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 non-monetary relief
Consumer complaint received 05-06-2015 about Debt collection (Payday loan) with Secure Capital Management, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received several phone calls from XXXX XXXX stating that I owed XXXX XXXX and he was wanting me to settle this debt before they end out a summons to take legal action against me. I informed XXXX that I paid my loan and that I have the document to prove that the loan was paid. He asked me to email the documents and I refused and asked for his address. He gave me a XXXX. XXXX. He continues to call and demand payment and has stated that the loan must have been sold and that I had additional payments to make. The loan amount he stated is not what I paid and the loan was paid over 1 1/2 years ago.

Company response to consumer: Closed with explanation