milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with Kirkland Asset Management LLC (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted on XXXX by a company called XXXX. I asked what this was concerning and they said it had something to do with Legal Papers. I asked what type of company Kirkland Management was. They said they did not know. I was contacted the week prior by XXXX XXXX also. At that time, I did not disclose who I was and said I was a Friend of mine answering a phone call. They said I was to call XXXX for more info. I asked them as a 3rd party what it was concerning and they said it was a Judgement in a XXXX Court. Disclosing info such as this to an assumed 3rd party is illegal to my knowledge per the FDCPA, as is saying it concerns Legal Papers to a 1st party. I called Kirkland Management. The person that answered the phone was named XXXX. I asked XXXX what this was concerning. He did not give the company name or tell me they were a debt collection service upon answering. I asked what the Judgement in A XXXX court was about. He asked if I had a case ID. I said I did not. He verified my birthday and said the ID # was XXXX. He then put me on hold for XXXX minutes. At that point, XXXX answered. He told me the call was being recorded for quality assurance and that this was an attempt to collect a debt and that all info will be used for that purpose. He asked for the last four numbers of my SSN. I apprehensively gave them to him. I asked what was the Judgement in a XXXX Court was about. I asked if he knew that saying there was a Judgement in a XXXX Court was illegal per the FDCPA. He acknowledged that he knew that. We went back and forth over this and I told him that today they said it concerned Legal Papers. He would acknowledge this as being an illegal tactic also. I informed him that as a representative of Kirkland Management that it is as if Kirkland Management said it to me. He asked me if it was a recording or if I spoke to someone directly. I informed him I spoke to a person. His reply was " Wow! ". He said he would have liked to have heard what they said. I assured him that is what they said. He said he was n't calling me a liar, but again, would have liked to hear them say that. I told him I was filing a complaint with the FTC over these two issues. We went back and forth for a few more minutes before the call was terminated. Before hanging up, I told him not to call this number and that if they wanted to contact me, that they would have to do it through the mail. He said OK. I did record this call, but must buy the whole version of the app to do so. I will buy it when I get my next Social Security Check in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried to get XXXX assistance with SLS servicing for 7 years. They lost my paper work for 7 years. when they finally came to a conclusion and agreed to give me a loan modification I was un able to afford it. I found a real estate agent and listed my property. 
SLS is refusing to give me ample time to sell it. Short sales take a while but not 7 years like SLS took. I want to get me sale date postponed and they refuse. We have a ready and willing buyer but needs a little more time to get the loan approved by fannie mae. it is a improvement loan and buyer need to add husband so the loan has to go back to underwriting. we asked for 30 day extension and they flat out refused. saying the investor has n't been paid for 7 years but that 's not my fault they are the ones that strung it out. 
SLS was so forceful in foreclosing my homer last year I had to file many complaints. like this XXXX. They are unfair and not abiding by the rules.

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 12/16/2015 about Student loan (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: My client entered into a repayment agreement with Financial Asset Management System ( hereinafter referenced as " FAMS '' ) on behalf of XXXX. My client was in default on private student loan and he was given to understand his agreement would cure that default. This agreement was entered into on XXXX, 2014. My client is attempting to purchase a home and has a respectable credit score. However, he is being denied his loan because FAMS and/or XXXX is falsely reporting his is delinquent. This slanderous intentional misrepresentation is actively damaging my client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have received multiple calls from  XXXX   XXXX  (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  ) They call from  XXXX . He reads off my entire social security number and then tells me I ow e Credit Care  {$4000.00} from an account I had  in  XX/XX/XXXX  that was opened in  XX/XX/XXXX . I inf ormed him that it does not appear on my credit report and that I do not owe that money. He says he has mailed me several letter but I have never received any of them. I asked him to read me the address he mailed them to but he would not. Then he asks for my email so he can send me something but I did not give him that either. Then he said that it is me and that I owe the debt and since it is passed t he Time Barr ed that they will take me to court and get a judgement on my credit. I DO NOT OWE THIS DEBT. My ex wife and I filed bankruptcy many years ago to clear all this up. Then he said that under FTC law they bought the debt and that they can call me anytime to try to collect.

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 10/21/2016 about Payday loan () with Braviant Holdings, LLC (TX).
Issue: Charged bank acct wrong day or amt

Complaint: The company BalanceCredit.com took a payment from my bank account on a day that was n't scheduled for a payment. I have n't received overdraft fees yet but I will. 

Their address is here : Balance Credit Attn : Customer Support XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit reporting () with Clarity Services (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I had been receiving alerts via XXXX regarding " short term '' loan inquiries. As directed by XXXX I had requested my consumer reports via XXXX and XXXX. Nothing unusual on my XXXX report. My XXXX report was a different story. I have XXXX inquiries made through Clarity Services via multiple PayDay Loan Lenders including, XXXX XXXX running under the name of XXXX / XXXX / XXXX ( TWICE ), XXXX / XXXX, XXXX, XXXX, XXXX. Then there is XXXX company not listed at this time and that is XXXX in which they send me a email requesting more information for a loan I had not applied for. I called them and told them they had better not issue any loans in my name for any reason. What I had discovered during my conversation with XXXX was that the applications are coming over with an old address and phone number. I have attached a copy of the XXXX report. I believe that Clarity Services is negligent in their practices by not requiring that the companies requesting credit checks provide appropriate documentation ( i.e. Identification ) prior to releasing information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Bank account or service (Other bank product/service) with First Data Corporation (IN).
Issue: Deposits and withdrawals

Complaint: I Canceled my Credit Card or Merchant Services company and then got hit by predatory fees. I called to cancel was given instructions on returning the Credit Card terminal which I followed & from that point forward they began pulling money from my account through ACH charges. I attempted to handle it through my bank but because it 's a business account, I would have to catch the charges within 24 hours. Prestige & First Data know what banks can and can not do so they are VERY sly in changing dates, numbers, and descriptions so my bank can not just deny future charges because they will change an amount, description, or date just enough that a database can not see it. 

The Merchant agreement was sold as a FREE service with only standard % per transaction fees, $ per swipe, and NO monthly fees or charges for equipment. 

This is predatory and malicious behavior when I did my due diligence to cancel & follow all protocols as stated on the phone during cancellation. I also have my current company that offered them reimbursement for an " CANCELLATION FEES '' but they claimed there were n't any. 

I am a sole proprietor and really need your help getting my money back and stopping this company from future business dealings with me or others who might fall for the same lies played on the sales calls. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Medical) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with NCC Business Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I lived in XXXX XXXX XXXX XXXX for 3 years and always paid my rent on time. I had a walk thru my apartment before leaving, after I cleaned it and was told that I will not need to pay any cleaning fees. I told them to write that on paper and was told that there was no need. 6 months later there is a {$510.00} collection fee on my credit report by NCC BUS SV. I contacted XXXX XXXX and asked them to speak with the manager who did the walk thru and they said I can not and that I should pay the collection company. The charged me astronomical fees for cleaning. They said it was too late for me to do anything. I had moved to another state, XXXX and gave XXXX XXXX my address. They were sending me the bills to my apartment despite knowing I moved. They sent the bill of {$510.00} to the apartment address even though I moved. I called the collection agency and they only had my apartment address. The representative from the collection agency told me he agrees that I was done wrong and that I will need to contact XXXX XXXX XXXX in XXXX. Now NCC BUS SV  collection is showing on my credit report {$510.00}. Upon reviewing google reviews I am not the first person this was done too by XXXX XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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 had an error in the reporting of an account type, and additional related details of my loan account. I have filed at least  4  disputes to try and correct this issue, each time the dispute is considered " resolved '' with nothing changing and no reason for lack of change. I faxed a bank statement indicating account type, and a comparison of the output credit report showing the differences between the same account between Transunion and another bureau on   XXXX    I called many additional times to both the bank and Transunion with no resolve. On   XXXX     I spoke with  XXXX  a  (   XXXX  in the Special Handling Department  )  and she stated that the faxed documentation she received did not provide enough support to change the account type. I asked why the Banks own Statement indicating account type of " HELOC '' was not sufficient. She stated " we can not tell you that it is proprietary. '' How is a consumer supposed to meet some " proprietary definition of proof '' when it can not be told to them.  XXXX  and Transunion show no willingness to help the consumer and go remotely out of their way to protect the consumers credit standing. Transunion needs to truly resolve this issue instead of faking it by closing disputes without even considering the information a customer submits.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Did not authorize these inquiries i called to dispute and company says call credit agency and credit agency says call companies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I had XXXX XX/XX/XXXX. I called them before and after XXXX to ask what we could do. I am self employed and would have no income for about 6 weeks. They kept telling me they could n't help me until I was 2 months behind in payments. But I called in XX/XX/XXXX and XX/XX/XXXX to see if we could do anything. So we got 2 months behind so they could help us. So we started a loan modification process. In XX/XX/XXXX I tried to make a payment and they would not take less than 3 months worth of payments!! I ca n't understand that! But they said I assure you there is no need to worry we will add it to the modification and it will be fine. I asked them about it every time we talked. Same answer and they would n't let us pay anything! I also got concerned because they kept stalling on getting modification complete. They needed this then that and some things they ask for over and over until time ran out! No worry ma'am we will start a new process just turn everything in again!! And again no worries about payments. Well I should 've trusted my gut because they called XX/XX/XXXX and said we are sorry your modification has been denied because you have too much equity in your home. This loan is too small for a modification!!! We had just received a foreclosure letter from a company saying Ocwen had turned us over to them. I asked about it and he said again I assure you it will not go into forclosure! ( That was before we were denied ) and now after working hard to pay off our house for 25 years they have put us in foreclosure!! I just ca n't believe it. And I ca n't believe they wo n't do anything to help us get current. 7 months of them not taking any money!! We do n't have that kind of money! I forgot to say this is our XXXX mortgage. First mortgage is current and with XXXX. We wanted to try to consolidate the XXXX loans but no bank can give us a loan because of damage of not making payments for 7 months!! There has to be something to help us save our house. This is so unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: i had a bank account with Bank of america for a long time. It so happened that one of my friend owed me some money ( {$8400.00} ) He gave me a check which i deposited it in my account thru an Atm as I was flying overseas that night as my mother had died. when i came back i got a letter from Bank of America that they r closing my account as I have committed a fraud by depositing a bad check and that they r black listing me and i wont be able to open an account with Bank of America ever again. i was shocked by this most stupid letter ever. I tried to talk to them but they said they cant do any thing. they did not close my friends account and he is still operating it although he gave me a bad check. its not that i really want an account with Bank of America its a matter of principal that i have never done any thing wrong and y would they penalize somebody like 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 explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have been living in a nightmare that just does not seem to end.My nightmare started in 2009 when Bank of America foreclosed on me.Since then I have tried to work out a FAIR way to keep my home.Modifications were offered to me but never in the time frame that laws specify.I was never allowed to question parts of the modifications.I was only given a couple of days to make the payment.This has been the tactic that Bank of America has used on me they have dragged out this ordeal so my back payments are enormous.I was given XXXX dollars by save the dream and they refused it. 
Recently a mortgage XXXX found out that when they foreclosed on me they did not have the note.Bank of America had no authority to foreclose on me.It is so hard and emotional to try to explain everything that happened to me at the hands of Bank of America.Something has to be done to change this type of behavior by a mortgage lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Big Picture Loans, LLC (IA).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a personal loan. Of {$1500.00}. My first statement was the balance was {$1600.00} with my biweekly payments of {$330.00}. Beginning XX/XX/XXXX. I come to find out to try to pay off my loan I owe {$2400.00}. And every payment that I have made biweekly since XX/XX/XXXX has all gone to only interest to them. Nothing has come off the principal balance. I called them to change my bank account information in early XX/XX/XXXX. and they never updated it and have put my account into delinquent status because they tried to pull from a closed account. I was not aware I had to pay all the interest upfront for payments before they even start taking amounts off the principal. Also when I requested to change my account informations they told me the only thing I have to do was fill out the new direct withdrawal form with my new routing number and email back. Then when I call to pay off and ask why my account is delinquent they told me I have to have a 3 way call with my bank to change my bank information to the new bank. Which has also lead to fees changed by my old bank for insufient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 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: For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX and the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXX and I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims

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 07/22/2017 about Mortgage (Conventional home mortgage) with Altisource Portfolio Solutions, S.à r.l. (FL).
Issue: Closing on a mortgage

Complaint: My mortgage company, XXXX XXXX, won my home at auction with XXXX on XXXX XXXX, 2017 that XXXX XXXX XXXX listed on behalf of XXXX XXXX XXXX XXXX XXXX. All Documentation was completed and returned to XXXX XXXX XXXX XXXX as requested completed and signed on XXXX XXXX, 2017 at XXXX XXXX PDT. The Affiliated Business Arrangement Disclosure Statement was signed by the listing broker, XXXX XXXX XXXX XXXX signed on XXXX XXXX, 2017 at XXXX XXXX PDT and the seller XXXX XXXX XXXX, XXXX Regional Sales Manager signed it on XXXX XXXX, 2017 at XXXX XXXX PDT. I believed everything was completed in accordance to the law, how ever I was notified on XXXX XXXX, 2017 that listing broker, XXXX XXXX XXXX XXXX agent for my mortgage companys other transactions wanted to interpret the contractual law herself and is now hindering my lawful access to my residence while the keys were already given to me. I feel that I am being discriminated against because my ethnicity and is and will try anything to hinder my lawful dwelling in my new residence. They are violating florida statute XXXX and all applicable florida real estate laws that are part of title 33 chapter 494 of the florida statutes. You can feel free to contact XXXX XXXX He was the person managing the purchase. They are also committing securities fraud seeing how they are hindering funds that have been assigned to a fund that is part of a mutual fund. Please help resolve this matter.

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