milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Mortgage (VA mortgage) with United Military Mortgage, LLC (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: An Appraisal payment was made XXXX to ( XXXX ) XXXX XXXX UT XXXX to refinance my residence. Have contacted XXXX NMLS # XXXX - ( C ) XXXX XXXX XXXX or XXXX XXXX XXXX and requested to provide the Loan Estimate numerous times to no avail. 

I am requesting a total refund for the refinancing process. The refinancing of my property should have been completed in less then 3 weeks hence, it is taking more than 8 months since the appraisal payment.

I have in sofar received any documents regarding the refinancing process.

Note, the refinancing of my property commenced in New York and apparently is now conducted in the State of Utah.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: HSBC Bank suddenly blocked my Checking Account, XXXX credit cards and ATM card after a check I deposited was returned XX/XX/2016. 
I was not even able to view my accounts on-line afterward. I was told the action was initiated by the Fraud Prevention Department of the bank and was directed to talk to them. When I talked to them, they wanted me present the case to my local branch which I did. After a number rounds of talking to the branch people and the department, I was told to contact its Customer Relations Office which I did. The answer I got from it was a letter stating the bank has the right to close my account at any time, for any reason or no reason. I was greatly inconvenienced by their action and lost opportunity to earn over {$1000.00} reward money, let along hours of time spent in visiting and talk to the various individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Every time I have called Navient to come up a proper repayment plan, I have always received high payment options.Moreover, right now I have been given a low payment plan, but it appears that the monthly payments are not being applied to the existing open balances.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax got hacked and now my private information is public.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Medical) with I.C. System, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid through medical coverage!

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying DESPERATELY to obtain a mortgage modificationfrom BSI / XXXX XXXX XXXX, I have been LIED to misled, treated rudely, and continueously misinformed about the process needed to save myhome. I have hired a consultant to help me thru this process and theyhave received the same treatment, I was made to use my 2 two weekextensions to try to make it thru this process but this company hasfought me every step of the way, I am asking you PLEASE for someassistance in this matter My family and I are at our wits end, if you re-view this matter I am confident that you will see that this process hasbeen TOTALLY Flawed, My home is due to go to sheriff sale XX/XX/2015 and we ask that this receive your immediate Attention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Trouble during payment process

Complaint: Select Portfolio Servicing inc, I has not provided me any information from the other mortgage servicer (  XXXX  ). what  documents, show that WE HAVE MISSED ANY PAYMENTS. I am current and always have been.     I challenge  ( SPS ) to  prove that we have missed any payments with them and or   XXXX   XXXX   XXXX  or  XXXX   XXXX . All my other mortgages are current except this one that has been sold twice.     We have made every payment.  SPS shows that we are 32 payments behind on our credit reports not just the two payme nts that they state on all the credit. FRAUD ...      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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, which puts me and millions of other people at risk. 

XXXX XXXX XXXX XXXX I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm opening up an complaint with Experian credit reporting agencies due to the fact that they failed to investigate my complaint on my credit report. Reinvestigation Required I have sent Experian documents via Certified mail of proof that i was Not late with XXXX credit card But they refused to investigate My claim after sending Experian Proof that I paid XXXX the Months that they are reporting that I was late. Per the FCRA ( A ) ( B ) ( C ) experian is required by law to investigate my complaint. I have filed complaint with The Minnesota Attorney Generals Office as well about this complaint as Experian has ruin my good name and reporting Negative and false information about me I 'm aware that Reporting agencies are just trying to make money off of consumers like myself reporting false information I will Not allow you to ruin my good name. Experian I 'm going to ask you One LAST AND FINAL time to invesitgate late payments with XXXX account number XXXX I have sent you bank statesments for my proof of payment I asked that you contact All if your sources that you used to verify this and send to me in writting how they verified the late payments You have copies on file at your office as we speak of proof that I paid and I expected you to send me Proof in writting via US MAIL. I 'm full aware of you not even during what the law require you to do so I 'm asking you if you can not provide me what I 'm requesting please have those negative late payments removed from my credit file or I will take full legal action againist your company I 'm fed up with the run around. 
Also I have sent you a copy of a police report on XXXX XXXX you have failed to investigate that which is also aginst the law. you need to follow the law and do what the law require your company to do. Like I said I havew file complaint with Minnesota attorney general office about this as well. next step i will hire my own personal lawyer and sue you for as much as the law req. THIS WILL BE MY FINAL NOTICED TO YOUR COMPANY BEFORE TAKING ACTIONS! 
THANKS 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 06/16/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened a credit card with walmart/ GE Money bank in XXXX and it is now XXXX. I stopped making payment in XXXX and have not sent in a payment since. It shows on my credit history i made a payment of XXXX dollars when i never did. I 'm not sure if this company that sent in a small payment to keep my account open but now i am receiving letters that i owe the XXXX and that my account wo n't be taken off my credit till XXXX. That is a 9 year span of time when it should have been removed a year or 2 ago. XXXX ( XXXX ) XXXX seems to have my account open and i need this to be removed due to the fact it 's legally been over the 7 year mark. Thank you so much and i hope i can get some advice on what steps i need to take.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was purchased by Nationstar Mortgage at the end of 2014. Prior to my loan being sold to Nationstar, I switched my home insurance from XXXX to XXXX XXXX. 
Upon receiving my loan, Nationstar used funds from my escrow to pay XXXX instead of XXXX XXXX. 
I have called them multiple times to correct the issue. On XXXX they finally issued a payment to XXXX just in time to prevent my insurance from lapsing. Unfortunately, they did so by using more of my escrow funds. I have asked them to work with XXXX to return funds to my escrow but they have refused to do so. They promised to fix the issue and call me back but have not done so. I have called them again, after the holidays and I am told that their call center is not open. I am sick and tired of playing on the phone with them. They sent money erroneously to the wrong insurance provider, the onus is on them to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Mortgage debt) with Blakely-Witt and Associates, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I ha e tried to call and inform individual that reported a debt on my credit report on a account and a amount that I did not owe, I went to court with a apartment complex in XX/XX/2016 and the company got a writ to possession of the unit and I payed the amount of {$1500.00} exactly in money orders to XXXX XXXX XXXX XXXX XXXX, then 1 year later I had a amount of {$4200.00} I called and told the rep that I did not owe the money and he told me I was going to pay if or else because he didn't care and was going to keep reporting it to my credit, when I informed him that I paid the company directly and they took it off my credit report so should he and he said no you broke the lease and then to.d me I was a loser and my credit will stay ruined because I broke the lease and we argued that I did not the apartment won dispute in court and not only did he not take it off he reported in on my XXXX  report 2 times so now he hurts me even more because it looks like I own {$8500.00} in debt I want this investigation to include having him confirm with original apartment complex that I paid them and they got possession of the apartment and to remove it from my file or I will have to hire a attorney to sue for damages.We I last filed this complaint I was told by the rep that the company trying to collect the money said he would send info to credit reporting agencies to remove the Duplicate reporting on my credit report and since he has not even done that so I would like to take advantage of any damaging issues this has cause by fair reporting act I have not yet been able to lease another place to provide a roof over my family 's head because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Checking account) with DISCOVER BANK (NY).
Issue: Account opening, closing, or management

Complaint: I 'm writing in regards to our experience with Discover Bank, my mother I and our friend have opened account with Discover Bank each separately, mom was first, about 3 weeks ago the XXXX of us this past week, mom has transferred XXXX to her savings with them when she opened an account and they took that on the XX/XX/2017 then she opened checking we did the same because you have to have savings account to be able to open checking account. They sent mom the checks and the welcome kit then yesterday without any notice they closed all of the accounts i called to ask them they said that i needed to send them copies of my passport, drivers licence and social security i did that 13 times yesterday and they said that the documents are not acceptable that they do not appear clear enough. Today when i called and i asked them to close everything they told me they did because I 'm a ''fraud '' and we all have opened a '' fraudulent account ''. This was absolutely inexcusable, they have degraded us and called us thieves, mean while taking money from our other bank account, i never felt such humiliation, since we came to the states we have never asked anything of anyone we never were in any kind of debt we never owed anything to anyone, for them to call us ''frauds '' is unacceptable. I told them that i will write to consumers report but that 's just not enough they do n't have the right to dirty our integrity nor our name yes i understand that they have never met people like us who work for what they have and never ask for anything. They have not yet returned the money but have closed all of our accounts i also told them that none of us ever had any identity issues we have always been very protective of our privacy none of us ever used any social media to publicize our lives nor did we ever send all of our most important documents to anyone in the way we did to them as they have requested so in the future if anything at all comes up in regards to identity theft they as a corporation will be solely held accountable as we do not take this lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: STP Group ( Collections ) continues to contact my place of employement, an XXXX and his family members after being asked not to. They ( XXXX XXXX XXXX/XXXX/2015 ) disclosed false information to my XXXX family and threatened to charge them. An undisclosed individual of the company said she would call back to my office and tell my co-workers and boss I refuse to pay my bills. They will not stop calling my place of employment although they have my personal number to reach me. XXXX XXXX informed me she does not have to stop calling and will continue to do so until I pay her then hung up the phone. Furthermore, I do n't believe this company obtained my information legally and/or their claim in valid. I contacted the original company who stated I do not owe them nor was my account sold to STP Group or Collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Got something in the mail and it did n't even say what the debt is. It dosnt even say when it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Problem when making payments

Complaint: On or about XX/XX/XXXX I initiated a balance transfer of {$7200.00} from XXXX XXXX to Wells Fargo bank. Wells fargo did not give me access to the money until XX/XX/XXXXstateing they could not find it in their system because the account access number on my actual physical card was used instead of the main account number. I sent proof of the cashed check showing they cashed the check and had the money in their possession since XX/XX/XXXX. The account access number and the main account number both go back to the same account so they should have been able to locate and give me the money much sooner than they did. Since I had to take cash advances from other cards to compensate for the {$7200.00} they had tied up for approximately a month and a half I requested to be compensated on some level for the extra expense their time delay caused me. I requested to be compensated {$300.00} or waive the balance transfer fee of 4 % on 1 future balance transfer from one of my Wells Fargo credit cards. They said they wo n't do anything.

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 03/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I moved to XXXX, or in XX/XX/XXXX to attend XXXX because I was lied to about the accreditation of the school and reputation of their school. While signing up for school I was told that my classes would be covered by federal loans. Not once did the school advise I would have a private loan. I dropped out of the school in XX/XX/XXXX when I got a little older and realized they had blatantly lied to me about the school. Now that the government has seen through their lies they have forced the school to shut down. I have filed a borrowers defense against repayment for my federal loans, but I realized that I also have a private loan that has over 10 % interest. Navient refuses to help with this at all or even provide some option since I was never aware of the private loan the only record I have of it is on their website. There is no info on the student loan.gov site and they will not even work with me the loan is already double what it was and will double again before it is paid off. The government needs to have regulations on this and I am sure they do. I have issues with them with deferment and even getting information from someone that has knowledge of how the system works. I will contact anyone I can to get this resolved and make sure this company is help accountable. They have been servicing my loans since they were sallie mae and have not gotten any better.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was evicted from an apartment. I was XXXX at the time and received no documentation. Later, when I tried to rent another apartment, they agreed to rent on the condition that I pay my former eviction fees. The former apt referred me to their collection agency. I called that agency, was told the amount owed and began making payments immediately. This was all done over the phone and I was given no documentation from anyone at the time. 

Recently, I happened across the XXXX XXXX Court 's judgement on that evection and found it was for {$1500.00} rather than the {$2800.00} I had been charged by the collection agency. As I have already paid {$1900.00}, if the judgement is the correct amount then I have already overpaid by {$360.00} - I wrote the collection agency for documentation and they returned a list of charges, but I do n't know which amount they are truly authorized to charge me. Which is correct : do I continue to pay on the {$2800.00} amount or ask for a {$360.00} refund? 

I am enclosing the XXXX XXXX XXXX XXXX of Actions, my letter to the coolection agency, and their reply.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (KS).
Issue: Managing the loan or lease

Complaint: Although I make payments, but not always on time I am still harassed by ally auto. I receive about 3 phone calls a day. I just made a payment 3 days ago and yet they still call me non stop. I do n't know what to do to make it stop

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Management Services, LP (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Cap Mgmt Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called Cap Mgmt. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by Cap Mgmt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation