milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: SPS Mortgage servicing is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating  the credit score ca using the score to be lower by  XXXX  basis points. I have contacted SPS regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year. SPS corrected my credit reporting for all  XXXX  credit bureaus and   XXXX   for my husband. When I contacted  SPS  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's   XXXX   report back to the incorrect reporting and then started reporting his account under my son 's credit reporting  ( so n is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers o ur credit score   XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when   XXXX   was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have b een trying to get SPS t o fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and  XXXX  can low er my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I just contacted my Second Mortgage Servicer ( XX/XX/2016 ), Nationstar Mortgage LLC, asking for a XXXX after my First Mortgage Home Affordable Modification With Select portfolio XXXX. was approved this XX/XX/2016 Spoke With XXXX Nationstar XXXX Department and she explained me that '' if the government did not sent the information to them we do not qualify for the XXXX under HAMP '' I thought if the First Mortgage qualify under XXXX the second is eligible for XXXX. 
Is Nationstar Representative correct?

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX increased our mortgage payment in XX/XX/2016 because they said our taxes had increased. We learned our property taxes and escrow were increased in error because someone and somehow our square feet of our house was illegally, unlawfully and wrongfully increased to nearly 5000sq. Ft. After we notified XXXX XXXX XXXX and advised them we needed our old mortgage payment reinstated and any overages refunded to us, they transferred our loan to sls, llc. They too acknowledged the problem but refused to fix ANYTHING. We since stopped all payments. Our local tax assessers office has fixed and properly lowered our taxes again because of the error. But no1 wants to change the higher monthly payment or refund our money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I rec. a phone call from a assest recovery associates ARA 2days ago. I was at work and trying to hear what ara was saying. they stated i owe about XXXX dollars for a dept. to XXXX XX/XX/XXXX thru XX/XX/XXXX. I could not recalling any money owed to this company 20 years ago. I was threatended with being served by the sheriff, court proceedings, garnishments, leins, fees etc. ARA also had my SS and personal information. I told them i did not recall this dept and if i had this dept i would of taken care of it 18 years ago. It was extremely frustrating converstation i was put on hold transfered to different people with different titles. At first i was terrified and told them i didnt have that kind of money. they said they could settle for less around XXXX. Which i still couldnt pay i said i need to talk to my bank. well the figured changed to about XXXX now. They said if i could pay anything now I had XXXX dollars on my debit card i gave them my card number and they took the funds. they said i have to XX/XX/XXXX or court proceedings will start. I told them again i never rec. any letter from them to date i gave to date. the stated they sent to my p.o. box of course they had all my information. Till this day i have not got a legal letter from them. I should not of payed anything. Something is not right. So I came home from work got on the computer and researched everything. I contacted the company XXXX they contacted me back and said it would not be possible to owe them anything from XX/XX/XXXX and is not affiliated with any company like ARA. STatue of limitations is 6-7 years in my state for dept owed. I have contacted my bank and none of this is every showed up on my credit report.. ARA is terrifing company. there practices are crazy and have to be illegal. I live paycheck to paycheck i cant afford a lawyer either.. What to do. Help me stop this company from doing this to other folks. They way ARA uses terms statements can be very overwhelming especial if you are not a legal advisor. Just a average person trying to get by.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: I paid three account off with a promised for a deletion and they took my money aa and did not delete the account jcpenny, XXXX, and lowes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with KEYCORP (VT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: To whom  it may co ncern, On today,  XXXX / XXXX /  XXXX  .  XXXX  at  KeyBank  in  XXXX , VT, told me that I would not be allowed access to my funds in my bank account. I work overtime every week and I have  two smal l children. I can not feed them, I need access to my money!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (VA).
Issue: Problems when you are unable to pay

Complaint: I had a vehicle loan serviced by GM Financial on or about XX/XX/XXXX and made timely payments when I had a full time job until I fell behind due to having a lower paying job. I called GM Financial in XX/XX/XXXX and advised them that I wanted to do a voluntary surrender. They asked for where the vehicle was parked and I gave them the information. They did n't ask me to return the vehicle to any location ; instead they said they were going to pick it up, which they did. Instead of reporting on my credit report that this was a voluntary surrender, GM Financial has reported that this was a repossession. All am asking is that they report accurately on my credit that this was a voluntary surrender. If they had asked me to drive the vehicle to a location and hand it over, I would have done so, but they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My account was in deferment ( I have a letter from them stating this ), however they have me showing 30, 60 & 90 days late. I have called them and they say it is accurate and will not fix it. This is not accurate and needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Opened a credit card with American Express in XXXX while in college. Credit card account was cancelled in XXXX XXXX with a balance of {$3600.00}. I was making sporadic payments through the end of XXXX and XXXX. Due to new employment, I have been making aggressive payments since XXXX of XXXX to pay off debt on card. I made a payment of {$500.00} on XXXX/XXXX/XXXX, a payment of {$400.00} on XXXX/XXXX/XXXX, a payment of {$500.00} on XXXX/XXXX/XXXX, {$400.00} on XXXX/XXXX/XXXX, and {$500.00} on XXXX/XXXX/XXXX. I try to make a payment for XXXX of XXXX and the website tells me I can not pay through their website, and to call the number on the back of my cancelled credit card. I call the CC company and they inform me they no longer have the debt and that I can not make payment. After transferring me between three different departments and nine different representatives, they are unable to provide me any information on who I need to make a payment to and that they have no information on my account. Logging in through the credit card company, I can see the minimum payment due on XXXX XXXX XXXX {$170.00} ) in addition to recent payments and total balance still owed ( {$1200.00} ). Company will not allow me to make payments on my debt, which according to multiple representatives, is still being held by the CC  company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX and Transunion show 2 items on my Credit Report that should have fallen off 7 years after the first delinquency ( ie right now ). They have not, and I have submited disputes, however XXXX will not allow me to view the progress of the dispute online. The 2 delinquent errors are not consistent across reports, and XXXX actually removed both of them already! This is confusing to creditors, say when I go to refinance my student loans, that they see different reports across all 3 bureaus, XXXX showing me in perfect credit, Transunion, showing me an issue or two, and XXXX showing me with two delinquencies. I have a credit rating of XXXX, but these items hold me back. I work hard to keep a good credit score, just look at my past 7 YEARS of activity. This is not fair to hold on to items, inconsistently.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. XXXX reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account. This is a violation of the FCRA because they are reporting INACCURATE information on my report.

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 01/18/2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: IN THE COUNTY COURT IN & FOR XXXX COUNTY, FLORIDA , COUNTY CIVIL DIVISION XXXX XXXX XXXX XXXX XXXX Case No. : XXXX vs. Division : XXXX XXXX XXXX NOTICE TO SERVICER XXXX XXXX XXXX XXXX. 
ORDER TO RELEASE MORTGAGE NOTE # XXXX Ref. : XXXX XXXX XXXX XXXX Acc # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXXXXXX XXXX is hereby order to release Mortgage Note XXXX XXXX MIN # XXXX, Mortgage Account XXXX. XXXX XXXX XXXX falsely claimed interest as Note holder for XXXX XXXX XXXX as Trustee, base in XX/XX/XXXX Mortgage Assignment, recorded by XXXX XXXX that it has been automalically VOID by NOTICE OF CONTEST OF LIEN instrument, See XXXX County Official XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

Legal Action THIRD ( 3rd ) ATTEMPT OF WRONG FORECLOSURE on behalf of XXXX XXXX  XXXX XXXX XXXX shall be dismissed. Attached pertaining information of NOTICE OF CONTEST OF LIEN of your VOID Mortgage Assignment. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DATE : XX/XX/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 03-05-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My daughter has a private student loan with wells Fargo. She has truly a high monthly payment which she was making initially, with my assistance. Then when she could no longer make the higher payments, she called wells Fargo, to see if they would accept lower monthly they payments, they refused to work with her. She started sending them what she could afford, which was {$300.00} a month and now her account is in default. She called them again and they still refused to work with her on a reasonable monthly payment. She has been receiving several harassing phone calls and several letters. She 's at her wit 's end and does n't know what else to do.

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 06/17/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on XXXX XXXX, 2005 was approximately {$360000.00}. I made {$25000.00} worth of principal payments on XXXX XXXX, 2005 and another {$1000.00} in principal payments on XXXX XXXX, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of {$360000.00}. 

They claim that they will make XXXX only adjustment to monthly payment amounts per year and will require notarized documents in order to do so. Furthermore, if I want to make additional payments against principal, I need to do it before the XXXX of the current month in order to go into effect XXXX days later. 

These are ridiculously deceptive practices. If I pay down the principal of my loan, they should not continue to charge me interest on the previous amount. Furthermore, they should not have to make me jump through hoops such as notarized documents in order to pay down a loan, nor should they hold on to my money for 45 days and still charge me interest on the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: I had a loan with Santander Consumer USA from XXXX XXXX, TX, and just before I was refinancing with XXXX XXXX, my wife sent an early payment to them. We got a refund from them, but not in amount that our CPA calculated. My account number is : ,my name. We sent them a letter with a report from our CPA. but they did not reply. 
My phone number is Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with Credit Karma, Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I just checked my credit report today on credit karma and i have a new loan that appeared on my credit report " XXXX XXXX XXXX for XXXX ''. The message said as of XXXX 2016 this has been added. I am confused as to why this is a new account added on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with EQUIFAX, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Brock & Scott, PLLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: BROCK & SCOTT , PLLC has filed a lawsuit in the court on adebt that is time-barred. Additionally, they filed a false case # in the land record.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: The  XXXX   XXXX  is reporting several incorrect items on my Equifax,   XXXX   and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XXXX / XXXX /  XXXX   ( Equifax  ),  which the last payment made was in  XXXX . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}.   XXXX   XXXX   I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my credit score.     The  XXXX   XXXX  is reporting this fals e information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional two years which it legally can not  do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: I applied for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} intro annual fee for the first year, then {$95.00}. After approximately two months of enrollment, I received a statement charging the annual fee for {$95.00}. I spoke with a representative who refused to waive the fee, so I requested a supervisor. The supervisor also refused and adamantly stated they can not reverse the fee. XXXX XXXX continues to offer similar XXXX cards with Chase bank and all of them have the {$0.00} intro annual fee for the first year, then the fee is charged.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I continue to be charged {$25.00} monthly from citibank. I call every single month and I 'm told the same story about how the charge is being reversed. I have spend over 4 hours on the phone ( not include the times my husband has called ). We want my money back! I did not sign up for an account that would charge me a monthly fee and I am continuously told they have downgraded my account and we will not be charged. When I call or go online I see the charge once again, month after month. This is a deceptive practice and I bet XXXX people are being charged and not realizing it. I do plan on leaving citi, however my mortgage is also with them so it is more difficult to switch banks. Please help!

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