milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I have been communicating with XXXX in hopes to find a solution to avoid foreclosure on my home. I have submitted all requested documentation and have followed up with XXXX to ensure the process is going smoothly and to ensure I am doing my part. On XXXX XXXX, XXXX I received a letter from XXXX informing me that all of my documents have been received and that my file is being reviewed. Then a few days ago I am told that I was denied, and when I requested to appeal the denial I am told I can not. All my homeowner rights are being violated and I am not being provided a fair review of my application to avoid foreclosure. Additionally, I was never provided a denial reason verbally or in writing, I was not provided a chance to appeal the denial and lastly the foreclosure sale should have been postponed while I was in active review however XXXX continued to proceed knowing that is a form of dual tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: The bureaus produce a credit score, but refuse to explain how they calculate the score. they provide reasons as to the scores being low, but refuse to give specifics. 
For example, they will tell you your credit limit on your revolving account is too low, but my highest limit is XXXX. But they wo n't tell you what the limit should be. 
Given that this impacts my future credit applications/interest rates, they need to be transparent about this black box, or at least answer specific questions directly.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : XXXX, XXXX and Experian multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my XXXX, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX,XX/XX/XXXX, {$7300.00}, Equifax Mortgage Services, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SPS have not adequately responded to by QWR and have avoided to answer pertinent questions to my dispute. SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose on my property. 

SPS claims that they are required to send me statements by law when in fact there is no law that requires SPS to continue to send false and inaccurate statements through the Unites States Postal Services. 

SPS claims to be the servicer of a loan in my name when it have not participated in any servicing activity and can not prove otherwise. 

SPS claims that it have paid property insurance on my behalf when SPS can not prove otherwise. I have always paid my own property insurance. 

SPS claims that if have paid property taxes on my behalf when SPS have not and can not prove otherwise. I have always paid my own taxes to the county in which I live. 

If SPS or any agent, client, and/or attorney of SPS continues with a foreclosure on my property they will be liable for actual, punitive, statutory and compensatory damages. 

In addition, if SPS or anyone acting on SPS 's behalf continues to send false statement through the USPS mail it will be considered an administrative default to FDCPA VIOLATIONS, VIOLATION UNDER 42 U.S.C. 1981, MAIL FRAUD, AND RICO VIOLATIONS UNDER 18. U.S.C 1961 & 1962.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623.  Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a credit card account with XXXX XXXX I could not pay in full. I reached an agreement with them last year for a partial payment which was made then they closed my account. However Experian refuses to correctly report this account even though I have notified them of the error three times. They are still listing it as charged off in XXXX, XXXX, not XXXX as should be. Also they have the charge off amount incorrectly stated as {$5500.00}, when it is actually only {$2200.00}. 
I have explained this to Experian in detail with documentation and the settlement agreement. They still refuse to correctly report this 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 08-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: XXXX : XXXX University, XXXX, NC. 
XXXX XXXX gave me a predictably uncollectible loans at the age of XXXX. I had no credit history to speak of, no collateral, and XXXX of debt was taken out in my name - without my consent over the years XX/XX/XXXX-XX/XX/XXXX. I no longer can pay. XXXX calls me multiple times a day and they just called the crisis line at my work which i happened to be on to receive their call. This constitutes calling a third party line as it was just by chance I was working the crisis line. My coworkers often are staffed on this line and if they continue to call they will be contacting my coworkers about me. They also did not obtain this crisis line number from me. It is also highly inappropriate to call a crisis line used for mental health emergencies to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX   XXXX   XXXX    : I finished my 9 month student loan re-habilitation to get out of default and my loan was transferred to Great Lakes.        XXXX   XXXX   XXXX    :  I setup a {$1 60.00} monthly auto-pay through Great Lakes at mygreatlakes.org for the   XXXX   of every month.   I make a {$160.00} paymen t ( not a uto-pay ).         XXXX   XXXX   XXXX     : I receive notification my  XX/XX/XXXX  payment did not go through due to " invalid routing number '' they say.   I contacted support and they re-entered all of my banking information.   Support says its fixed, but my  XXXX  payment is never processed.       XXXX   XXXX   XXXX   : I receive a notification I am enrolled in auto-pay for {$160.00} and my next payment will be withdrawn on  XX/XX/XXXX    XXXX   XXXX   XXXX   : My first auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be  XX/XX/XXXX    XXXX   XXXX   XXXX   : My second auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be   XXXX     XXXX   XXXX   XXXX   : No auto-pay is made, and I am not aware of this until I check my account statements in  XXXX .       XXXX   XXXX   XXXX   : They withdraw {$69.00} for an auto-pay on a date I did not schedule, and an amount I did not authorize.       -- -- I am going to make an attempt to correct this with their support on Monday, but I feel this is a pretty grievous mess-up on their part and am very concerned my loan status could be affected by their mistakes.     I also feel like they are doing this on purpose so that now I have to pay more interest ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   is pulling hard inquiries without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Confusion with me and my fathers XXXX bill because we have the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: I financed a truck with ALLY at the end of XX/XX/XXXX. It was my understanding that payments would begin in XX/XX/XXXX, but I did not receive any paperwork from ALLY. In early XX/XX/XXXX, I received a phone call on my cell phone ( not my preference because I have a severe hearing loss ) while out of town with a very rude service person demanding to know where my payment was. I clearly stated that I had not received any information from ALLY, and that intended to pay as soon as I knew all of the particulars. In the end, I made a payment over the phone and made it clear that I owed no late fees because of ALLY 's error. Since then, I periodically receive late fee notices that are now nearly the amount of a payment. I have written to dispute this error repeatedly and in XX/XX/XXXX checked my credit and ALLY has listed me as XXXX thirty days late on a payment. I have never been late on a payment and have it set up with my credit union to automatically pay ALLY every month on the XXXX. ALLY calls and tries to force me to use their check service for my payment which charges an additional fee, and I tell them repeatedly that my credit union does not charge me any fees and it is automatically deducted from my checking account. Now, I got a credit alert that ALLY has listed me as being late on XXXX payments! This is totally untrue and my credit score has dropped by XXXX points! I want the late fees removed from my account and my credit deleted of any late payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with Oxford Law, LLC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a debt validation letter including to stop calling my cell phone to Oxford Law , LLC. I kept records of the phone log and pictures of my cell phone. Oxford Law , LLC never validated the debt and continued to call my cell phone without my consent. I retained an attorney to sue Oxford Law , LLC for violations of the Telephone Consumer Protection Act in Federal Court. Due to the overwhelming evidence against Oxford, they settled with me. We settled at mediation for less that what was due because Oxford claimed they would file bankruptcy if we received a larger settlement. My attorney filed a Motion to Dismiss the federal case and the federal court did not retain jurisdiction of the case. Oxford Law sent only one payment from a different company, XXXX XXXX, XXXX and then stopped paying on the settlement agreement. 
My attorney filed another complaint in state court and Oxford Law did not respond to the complaint. There was a default judgment against Oxford Law in state court. I hired a judgment specialist to find Oxford 's assets in order to garnish it to pay the judgment but Oxford Law is hiding its assets. It is a total hypocrisy for Oxford Law to harass people for debts they can never validate and then not pay on a settlement agreement for their violations of consumer protection laws. I am working to see if Oxford Law , LLC will pay the judgment against it. It is highly unethical that the attorneys that own Oxford Law , LLC will not pay the settlement agreement and then not pay the state court judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Mortgage debt) with Allied Servicing Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Allied Servicing Corp., whose address is XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, has published a Notice of Trustee 's Sale thru XXXX XXXX XXXX XXXX XXXX ( XXXX ), whose address is XXXX XXXX XXXX, XXXX, CA XXXX, advertising that my property is scheduled to be sold at a public sale scheduled for XXXX XXXX XXXX at XXXX XXXX, at the City Hall in XXXX, CA. Please address the following : 1.  Allied Servicing Corp. claims that it is the Appointed Trustee of an alleged mortgage loan with former XXXX XXXX XXXX, which later changed its name to XXXX XXXX. I have verified with XXXX that my mortgage is not under default. Please stop the Notice of Trustees Sale. 2. Allied Servicing Corp. is demanding an immediate payment of more than {$30000.00} to bring the loan up to date, and offering refinance option for the remaining {$250000.00}, which has no basis since the loan has been charged off by XXXX XXXX. 3. Allied Servicing Corp. and XXXX has advertised the property for pre-foreclosure in the XXXX XXXX XXXX and XXXX, causing a lot of unsolicited refinance and foreclosure mails, and even unfamiliar people posting foreclosure notes at my front door.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (NV).
Issue: Problem with the payoff process at the end of the loan

Complaint: On about XX/XX/XXXX XXXX dba SpeedyCash agreed to receive payment of {$700.00} from XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX phone ( XXXX ) XXXX. 
On XX/XX/XXXX XXXX dba Speedy Cash ( almost 7 months later ) demanded payment of {$790.00} via e-mail. 
I called Customer Relations to find out why the demand is made directly to me rather than to contact XXXX XXXX XXXX. Customer Relations informed me there is no records of any agreement signed with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My husband died. The property was offered a trial modification and I sent in payments since I live in the home and want to keep the property. My name is listed on the deed and the security instrument. I also believe my name is listed on the mortgage note. I just want to keep the property and assume the mortgage. I have lived here for over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: DIRECT STAFFORD SUBSIDIZED Loan issued XX/XX/XXXX for {$3500.00}. 
This is what my account is currently showing : Total Borrowed : {$3500.00} Outstanding Principal as of XX/XX/XXXX : {$3500.00} Outstanding Interest as of XX/XX/XXXX : {$2.00} Why is the principal of my loan higher than the amount I have borrowed. I have spent an hour on the phone with XXXX XXXX XXXX/XXXX ( XXXX XXXX XXXX XXXX, GA ) and they could not tell me why this extra {$68.00} was applied to the principal of my loan. I have never gone below full-time enrollment- yet alone part-time enrollment. I would like to know where this {$68.00} charge came from and why it was added to my account. 

I also would like to know why the Nelnet services do not explicitly breakdown the charges to date, to the cents- info the company has, yet the borrower of the loan can not access, and the interest accrued breakdown. 

Also, why is the amount of my loan " paid to date '' lower than the amount that the loan was originated for? Why am I paying interest on the original amount borrowed if that original amount has not been paid out. I do n't believe that I should be paying interest on an amount that has not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a certified letter, faxed a letter and made a phone call to Experian concerning incorrect information on my credit report. I explained to them certain hard inquiries on my Credit report are not mine and Requested them to be deleted because it is making it very difficult for me to acquire credit. Experian refused to do so with no proof. The hard inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible Thank You 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 09/21/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Using a debit or ATM card

Complaint: I used my debit card to hold a hotel room on Friday XXXX XXXX, 2016. I made the reservation around XXXX and XXXX I called to cancel the reservation because of bad weather. We were on a motorcycle and we had to get off the road due to a tropical storm. I called the hotel and hotel.com to cancel. The attendant at the hotel said to call XXXX and let them know. I confirmed that they canceled my reservation and immediately called XXXX. I got a confirmation number and I thought that was the end of the reservation. They still took the money out of my account.

Company response to consumer: Closed with explanation