milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2016 about Debt collection (Mortgage) with W.J. BRADLEY MORTGAGE CAPITAL (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.

Company response to consumer: Untimely response
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX contacted me around XXXX about a debt I owed to XXXX. They severly hurt my credit by placing this collection on all XXXX of my credit reports. I fought it the first time and it was removed. The same month it was removed, it reappeared on all XXXX of my credit reports under the nameENHANCED RECOVERY COMPANXXXX XXXX, FLXXXXHowever, they call my phone several times a day and the caller ID shows XXXX.They are harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a short sale close to four years ago to HSBC. XXXX years in the process after submitting many documents they claimed they lost my file and that I had to start over. Over the last XXXX years, my attorney and myself have provided all documents to HSBC well before the deadline with a faxed confirmation as proof and now for the XXXX time, HSBC has closed the case and denied claiming they did n't receive the documents despite the proof we sent in. I have had a cash buyer waiting to purchase at a price acceptable to HSBC. Even knowing this, they are asking me for the XXXX time in two years to yet again provide documents only because they claim to not receive. I feel discriminated against, as I know short sale process, and this is very unusual how I have been treated even after following their guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XX/XX/2018. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've sent numerous request to this company via certified mail requesting proper validation for a debt that they claim I owe them. Each time the company has ignored my request for validation and sent me a summary of a bill. I have with the company that the FTC opinion letter on itemized bill. However, they have yet to provide me with any documentation showing that I have any type of agreement between me and the company. Furthermore, when I first contacted this company with my dispute, they failed to mark it disputed with the credit bureaus with the allotted 30 days as required by the FCRA & FDCPA. After doing research with the court systems on this company in my state, which is Texas, I found that this company have had many complaints filed against them, and have bought suits against many consumers without having a " consumer agreement '' stating that money is owed to them by the consumer. I have also requested a copy of such agreement from this company, and I have been ignored. I am not obliged to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. This company is known for using bullying tactics on consumers in order to scare them into paying a debt that they do n't owe to them. I am attaching copies of my correspondence with them, and their response that they have continued to send me. Please be advised that the copy of their response that you are receiving is what they have continued to send to me ignoring my request for other information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with Harvard Collections, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a medical debt that was sent to an collection agency ... I sent a debt validation letter disputing that debt and requested that this debt do not be reported to the credit agencies XXXX XXXX XXXX until this matter is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MS).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My request to increase the credit line for my XXXX XXXX XXXX XXXX account was denied because of high credit available on other accounts. This is available credit that I have not used because of the high interest rate associated with the available credit line. XXXX XXXX XXXX XXXX is offering 0 % interest for 12 months, so I requested a credit line increase for debt consolidation purposes. 

XXXX has a longstanding history of explicit discriminatory business practices. It is a standard and customary for XXXX to denied credit card applications, credit line requests, and other loans solely based on the ethnicity of the customers name and/or the racial demographics of the areas the applicants reside. 

I do not expect XXXX to admit to any wrongdoing. With that said, I am requesting the U.S. Justice Department and the Consumer Financial Protection Bureau to investigate the banks business practices.

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 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am disputing a collection from XXXX XXXX XXXX ( in the amount of {$280.00} dollars ) that has appeared on my account. I have already paid in full the amount that was owed for the services performed. There should not be a collections on this account as the Original Creditor has already received complete payment as noted above, and this collection appears to be an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (MD).
Issue: Application, originator, mortgage broker

Complaint: I am writing this complaint on behalf of my old Mortgage Foreclosure loan # XXXX with PNC Bank. I was scheduled for a foreclosure back in XXXX. However now I am being penalize for a new purchase with FHA. THere is a XXXX alert still on my account until XXXX XXXX. I understand the 3 year waiting period however, I foreclosed on my Property in XXXX however, there was a Security Deed error. The Security Deed was never signed by the Notary so I was Summons to have the Deed Reformed in XXXX. Due to error of title company it took another year to have the Superior Court of XXXX XXXX GA reform the document. The notary has died and was unable to reform the document. Now I am unable to close on my new property and in the process of losing my earnest money, contract and other monies. I am requesting a urgent request to have FHA remove my XXXX alert. My XXXX case # is XXXX. I will add the summons that was filed against me and other documentation for the release of this negligence of the mortgage company. I had a attorney involved where we requested a removed of the deliquency but no results. ThanksXXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have sent Transunion a request to delete inquiries that are on my credit report and provide verification that this was me pulling my report. I spoke with XXXX and XXXX and neither one of these ladies helped me with the issue that I was having. I have already contacted the people who was pulling my credit report and sent them letters to verify that this was me giving them permission to pull my report. No one has responded back and provided the information that was requested. I have called and called and tried to file a dispute on these inquiries and they keep telling me I have to contact the company. Section 611 ( 5 ) ( A ) of the FCRA is that they are required to verify my claims and or delete all information that is not or can not be verified. I have waited and waited for the outcome and have not received anything since. The pulls that are in question are XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 12-08-2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loans were rehabilitated in XXXX through the XXXX. As such the defaulted status on all student loans/tradelines on credit report must be removed. Moreover, after most of my student loans were updated I noticed XXXX from XXXX that was still reporting as defaulted and showed incorrect information regarding prior late payments. My loans did not mature for payment until XXXX as such I was in a forebearance/hardship deferment from XXXX through XXXX and another in XXXX until I was denied. I did fall behind in XXXX but only because I was denied a hardship even thought XXXX would not work with me. I was working for the XXXX as a single mother with not a lot of income. However, I found another job making more money and started my rehabilitation. As such my loans are in good standing. I would like my credit report to reflect accurate information I worked really hard to get back on track and I deserve my credit to reflect the same. I have sent several letters to both XXXX and the credit bureaus with no help from either but rude individuals. I have all supporting documents to show that XXXX is still reporting defaulted, reporting incorrect late payments, I have all of my forebearance information. After disputing with them, they sent me loan information which I attached indicating I was 0 days delinquent and paid yet reporting differently to credit bureaus. I sent the same to credit bureaus and they still validate the information being reported? I have attached the most recent letters but I have been disputing the same for months and had an Omnibudsman involved named XXXX XXXX with the U.S. Department of Education, who I never heard from.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (IN).
Issue: Managing the loan or lease

Complaint: FORD Credit failed to post my payment of {$2000.00} to my account. This check cleared my bank on XX/XX/XXXX. As they use a reader/scanner to deposit the check there is no back image available from the bank. I had to FAX XXXXnot email ) a copy of check # XXXX that has cleared my account on XX/XX/XXXX. In addition I have had to attach the screen shot of my account showing check # XXXX clearing my account. This check was mailed on XX/XX/XXXX WITH THE PAYMENT COUPON ENCLOSED!! The call center refused to help without the back of the check. clearly I can not provide what does not exist. 
Given the lack of assistance I received with the FORD call center I will be moving this loan this week. I know I can receive decent service from my local bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: Freedom Mortgage purchased our mortgage from XXXX in XX/XX/2017. Per their paperwork all recurring payments to the previous holder of the mortgage would discontinue. Instead, XXXX has continued to withdraw funds via ACH from our bank, two of those payments were forwarded onto Freedom Mortgage and the rest of the funds are being held by XXXX. I have contacted Freedom by phone, e-mail, and now letter. They have never responded, and my mortgage continues to fall behind due to failure between XXXX and Freedom mortgage. My money is gone from my account, XXXX is the receiver of the funds, they say the do not have, and Freedom says they do not have the funds. I am working with the bank to stop the ACH withdrawal and to retrieve the funds if possible. In the mean time my mortgage is behind and our credit adversely affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
bought old debt. Garnished bank account without notice. Took {$410.00} on XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her XXXX at upsetting peoples day. I was at work and have a family to provide for. This is complete XXXX, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.

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 05-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I desperately need your help. I do n't know what to do at this point or who to contact anymore. I have filed a claim with the Department of Education Ombudsman Group and nothing has been done yet. Here 's my situation in   XXXX     I went to   XXXX   XXXX   XXXX   XXXX   and I was told and it was documented and signed that my total tuition was going to be {$10000.00} and I was approved for a federal grant of {$3700.00} and I was to pay  XXXX  to the school so the remaining balance was going to go towards a student loan. That paper was signed and documented. And that is why I enrolled in the school thinking I was going to get help by financial aid based on what the school told me. Well it turns out that what the school told me was all a lie the  XXXX  was applied to the student loan and now I am in debt and being harassed. I did my own research and it looks to be in  XXXX  the Department of Education raided this school  XXXX   XXXX   XXXX   XXXX  due to some kind of scam or Fraud took pl ace in this school and I have a feeling I am probably in  one  of those cases. I need help finding someone who can help me. If I knew I was n't going to be approved for financial aid I would not have enrolled in this school. In my credit report it is greatly affected because it looks like am in complete debt. I would like to either have this student loan be  discharged  or at least have a balance that indeed it is the correct balance. I see how you help so many people and I would love it if you help me by providing me a number of someone who can help me or point me to another direction. I also believe that  XXXX   XXXX   may b e involved in this because there Consolidation Loans make no sense. I feel like every time I pay it never goes down. I feel like all am paying is interest and that itself stays the same. I have  XXXX   Loan fo r {$5100.00} and I have a  XXXX  loan for {$3400.00} totaling  XXXX  I contacted them myself and they advised me that the loan was done in the school and now I a m just worried. I need help because at this point I do n't kn! ow what else to do on getting this resolved. I am trying to contact attorneys to help me, but I have n't found anything. The only thing I have found is someone helping me in the Department of Education Ombudsma n Group. I h ave attached all paper work that was provided to me. Please advise if you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: National Credit Systems  #  XXXX  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX , ) (  XXXX  )  XXXX  ) Placed Collection Balance {$1000.00} dated  XXXX / XXXX / 2017  Creditors where the   XXXX   XXXX   XXXX   XXXX   XXXX   I lived at these residents 4yrs ago I stop living there in good standing never had a broken lease the apartment people put this fraudulent frivolous amount on my credit saying I owe them after I moved out the resident for what I do not know I was not taken to court or placed under eviction also the apartment was filled with bed bug that 's why I moved. Please handle this complaint for me and let me know what I can do as a consumer to get this off my credit I feel like I am being abused by the apartment complex because I never had any problems with them and I feel like this is a unfair

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