milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I noticed the mortgage statements I receive from the alleged mortgage servicer,  Select Portfolio Servicing, states on the bottom of the letter " This is an attempt to collect a deb. All information obtained will be used for that Purpose. I made payments with this   servicer not knowing if they were a debt collector or mortgage servicer.     On    XXXX   XXXX   XXXX   I  sent a lett er to Select P  ortfolio Services to verify who the v erify the allege creditor and asked for name, phone, and address. In response on  XXXX   XXXX   XXXX , they have returned a letter stating tha t   XXXX   XXXX   XXXX   XXXX   is referred as the " investor '', " creditor '', and/or " note holder '' of the account. They r efuse to give me contact information because its proprietary information. I do not recognize    XXXX   XXXX   XXXX    as a creditor.     On  XXXX   XXXX   XXXX , I have sent a letter to  Select Portfolio Servicing Inc ( SPS ) t o validate and verify the debt. My first problem was identifying  SPS. T he letters I receive from this company states they are a Mortgag e Service c ollecting for a loan but on the bottom of the letter it states it is an attempt to collect a debt. I tried to speak with a representative, a recording played stating this is a debt collector attempting to collect to collect a debt. When i spoke with the representative I never received a clear answer as to if they were a debt collector or mortgage servicer.     I want to verify who was the original creditor and who is collecting on the debt.  SPS  claimed  XXXX   XXXX  is creditor but   XXXX   XXXX   is the noteholder/investor. They never provided name, address, or phone number of any of these alleged creditors. I personally calle d   XXXX   XXXX   XXXX   XXXX  ,   t hey claim to have no information of this debt. I emailed  XXXX   XXXX  regarding this debt. In response they stated that loan information I have given them was for  XXXX   XXXX  and are not in business. I discovered a letter  XXXX   XXXX   XXXX  from  XXXX , the original servicer, the release of deed to secure debt stating the debt is paid in full and release of lien. But I never received notice from the original creditor th at SPS or   XXXX   XXXX   XXXX   XXXX   is going to collect any debt for them or on their  behalf. There is no evidence that I owe any loan or debt to    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 05-12-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX XXXX XXXX XXXX XXXX AND THEY WONT MODIFY MY PAYMENT ON A {$52000.00} BALANCE. I WAS PAYING {$1000.00} MONTHLY. THIS PROPERTY HAS SPECIAL CIRCUMSTANCES BECAUSE I BOUGHT IT IN 2000 FROM THE ESTATE OF THe OWNER. HE DIED XXXX. HE WAS XXXX. IFOUND OUT LATER MY DEED CONTAINED COMMERCIAL PROPERTY ACROSS THE STREET WHICH IS IN THE PROCESS OF BEING DEVELOPED. ALSO A BANK IS SETTING ON A PORTION OF MY PROPERTY AND NEVER PAID OR OFFERED A DIME TO ME FOR IT. I HAVE AN ATTORNEY BUT WE CANT GET THE BANK INTO COURT AND NOW HAVE SOLD MY PROPERTY AND THE MAN WANTS ME OFF THE PROPERTY. I NEED IMMEDIATE HELP. HE MAY HAVE ALREADY BEEN PAID FOR MY LAND ACROSS THE STREET.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GU).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sir/Ma'am, I joined the military in XX/XX/2014. I had a 2 year contract with XXXX until after XXXX. 
Due to the fact that my XXXX was to XXXX, I would n't be able to use my XXXX service anymore. 

When cutting my contract with XXXX, I explained to the customer service rep that I had XXXX orders to XXXX. The rep told me everything was fine and that the early termination fee for cutting the 2 year contract was waived due to the SCRA. 

It has been 2 years since that conversation was made, and since then I have been receiving mail from debt collectors stating that I owe XXXX XXXX or so dollars. This has had a major impact on my credit, being that this occurred 2 years ago. 

I have called XXXX multiple times, and they keep telling me that there is nothing on file for my early termination, or the waiving of the fee. They have also said that Southwest credit, a debt collection agency, owns the bill now. They are the ones requesting the XXXX dollars. 

Is there anything that can be done to settle this issue? I will be XXXX to XXXX in a month, and I really would not like for my credit to keep going down as the time passes. 

The last concern that I have is the impact this has on my credit. If this issue does get settled, could the debt get removed from my credit altogether, or would it stay there saying I never paid a XXXX bill that was apparently " waived '' two years ago. 

I would really appreciate any help I can get on this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Deposits and withdrawals

Complaint: Here is what happened : they have refused to deposit this cheque, and refuse to credit my deposited cheques. 

to XXXX., XXXX. 
Here is the email to XXXX it is very explicit in its instructions. Instead of following these or making any attempt to cooperate, XXXX calls me and REFUSES to let me speak. That is beyond aggravating and does not help anyone. She refuses to give me her suoervisors contact, and wonders why I am upset! I have been treated extremely poorly by your bank. And XXXX was rude, hostile, aggressive and condescending. All woukd have been avoided if she had taken the 5 minutes needed to simply READ my email. 

I have now spent 6 hours of my time on the phone attempting to receive my own money. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Fwd : Very upset. 
To : XXXX Cc : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Very upset. 
To : XXXX Cc : I opened up a Bank of the West account about a month ago and have had a lot of trouble getting access to my money. For example a check that I deposited two weeks ago is still debited from my account declared " uncollected '' ... this is a very long time not to cash a check. 

Today in the grocery store I was unable to buy groceries. I called the number on the back of the card but nobody ever answered. 

I called XXXX at the branch I had opened at and she said the card was working fine. I explaind to her that I could not make the purchase. 

I was in the store over an hour and my card never worked. 

XXXX called me back and was very unsatisfactory, not apologizing at all, and not answering my questions or letting me speak. 

I called customer service. he put me through to XXXX who only said that my card is working fine even though I told her that its not. Her she said she would give me a direct number if I had any other problems but she did not give it to me. 

I have a cheque coming in of XXXX. I trust you will not hold these funds for ver 2 weeks like you have been holding on to my other checks. As soon as it is cleared I want you to notify me immediately so I can come in and take all my money and close my account. As clearly you do not want me as a customer mPlease verify that you have received this email, and will notify me the minute that the check is clearedmThank You XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Bank account or service ((CD) Certificate of deposit) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I have a Certificate of Deposit with PNC Bank. On XXXX XXXX, I sent a notarized letter requesting this account be closed. I have received no communication from the bank, but after calling their helpdesk, I received confirmation that the account had been closed. 

It was claimed that a check was sent to me, though I did not receive it. On XXXX XXXX they claimed that they would resend the check. I did not receive that check either. On XXXX XXXX I called and complained again, and they said they would resend the check overnight. It 's XXXX XXXX and the check still has not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a cashier check to Ocwen Loan Servicing in the amount of {$42000.00} to pay off my mortgage by certified mail, the money is just sitting in there TX office since XX/XX/XXXX, I called many times to see why this money was not applied to my account, I have never been late on any of my payments, I just want to pay off my mortgage, I do n't need this problem at XXXX it took many years to save this money Ocwen should be ashamed of the way they treat a good customer

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Payday loan () with Kingston Financial, LLC (TX).
Issue: Received a loan I didn't apply for

Complaint: Kingston Marketing LLC a company I never heard of contacted me through a automated system leaving voice messages on my cell phone on today XXXX XXXX XXXX. I received these cell phone calls of a collection scam department leaving me a bill from my account and last XXXX digit of social being scammed by this Company customer service team at their LLC phone number XXXX. The lady transferred me to a Manager who caught the lie of the worker saying this Company have a 2011 payday loan in my name. They brought up I owed XXXX XXXX and XXXX XXXX so their Manager said Kingston XXXX will be taken off file I disputed but I just told this Company their scamming me so I need this Complaint documented I do n't know how many Companies do this but I have been scammed and had to pay collection companies that I do n't know about and a affidavit did not help me recover thousand of dollars I had to pay just to not be harassed but after this Company I am explaining got my personal information through the Government I need to send it over to Consumer Finance which is this Company to get rid of this Company having my Government and telephone information on their recorded line. They stated my information I did not provide it so I can only get this Complain in so it stop today this year not next week.

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 01/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo add XXXX {$35.00} overdraft fees the same day I had a direct deposit in my checking account. In addition they add {$12.00} fee for moving money from my saving to checking account. This is in sane and worst than the shark loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have disputed mul tiple Portfolio recovery acc ounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan servicing company, Navient, will not allow me to make payments on my principal balance. I spoke with a Navient representative and she said the only way I can make principal payments is by making them exactly on the XXXX of every month. However, Navient continues to apply my additional principal payments to " future '' payments due. Not to my principal balance. Furthermore, they are issuing incorrect XXXX forms. For example, in XXXX I paid {$330.00} in interest to Navient on my student loans and they reported on my XXXX XXXX that I only paid them {$180.00} in interest. In XXXX I paid Navient {$380.00} in student loan interest and they only reported me paying them {$200.00} in interest in XXXX. 
They 've also increased my interest rates 4 times in one year.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Conventional home mortgage) with Real Time Resolutions, Inc. (TX).
Issue: Trouble during payment process

Complaint: This complaint is regarding Real Time Resolutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This company is providing inaccurate and deceptive billing statements. Statements provided do not reflect previous months payment. Furthermore, the current payment is inaccurate as well. Request CFPB investigate the deceptive billing practices of Real Time Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Unsolicited issuance of credit card

Complaint: Care Credit/Synchrony Financial opened a new, additional Care Credit account without my knowledge or consent. Synchrony claims to have mailed " opt-out '' instructions for new MasterCard accounts, which I have never received. My existing account is still active, and now there is a second, separate account that has been created which I had no previous knowledge of. Upon contacting Synchrony Financial/Care Credit to ask why an additional account was opened using my information without my knowledge or consent I was informed that they believe they are legally allowed to do so because of their " terms & conditions '', even though I have never given permission for a brand new account to be opened. I stated multiple times that I had never consented to a new credit account being opened and was told it was " temporarily open '' and that there was nothing I could do about it. When I stated that I never received any communications regarding a new account being opened and did not want the new account, and that I had never legally consented to any new Care Credit accounts to be opened in my name I was told that my only option was to " not activate the new card '' and that they would continue reporting the new account to the credit bureaus for the next 120 days. When I stated they should not be reporting XXXX open accounts to the credit bureaus because I only had XXXX authorized open account with them and have explicitly informed them that the XXXX account was opened without my knowledge or consent I was told to " dispute it with the credit bureaus. '' No attempt was made at resolving the fraudulent account or the impact it will have on my credit.

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 01/26/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Closing/Cancelling account

Complaint: Six years ago, I opened an HSBC account for my sister in my name. Initially, things started out well, but as expected, this did not last ; and shemissed payments. As a result, this has reflected poorly on me, and I am left to pay the price. I have since made every effort to fix this account. The account has been transferred to another lender ( XXXX XXXX ), whom I have constantly tried to contact to payoff the account but it has been to no avail. I can not get a response from them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt originally from XXXX XXXX was placed on my credit reports. It was originally placed with XXXX company and then disputed with the bureaus and ultimately unverified and the removed. It has now been placed with Afni in attempt to collect this debt that does not belong to me. This account has been placed on my consumer reports again under a different collection agency, Afni.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Date reported was XX/XX/XXXX. Last reported on XX/XX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted as well.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 company allowed my most personal and valuable information to be compromised, putting my financial security at risk. The company 's response has been grossly underwhelming and inadequate. I have already received notice from my bank that my credit card information was compromised and have had to order new cards. This is only the first incident that I 'm aware and more could come. They need to be held accountable and do so much more than just offering CREDIT MONITORING. This response is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit card () with CL HOLDINGS LLC (TX).
Issue: Credit card protection / Debt protection

Complaint: My Tribute card was issued to me in XXXX. I made all payments on time. In XXXX XXXX, Tribute raised my credit to {$500.00} without my request and then closed the company. I called ot make a payment in XXXX, XXXX and was advised that the company closed and could not be reached at the number or correspondence. The company Jefferson XXXX XXXX reported that my Tribute card was lost and re-issued. My card was never lost and reissued. The company XXXX XXXX then put both accounts that I did not have on my credit with a balance of {$1000.00} without notifying me. I reported the complaint to all XXXX credit entities such as XXXX, XXXX and XXXX and my claim was denied. The credit is reporting on my report for the last 9 years beyond the lawful amount of time of 7 years and is reporting incorrectly. I would like for the account to be removed from my credit report. My credit report shows that I have disputed the account. The company does not meet federal regulations and is reporting incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Credit card protection / Debt protection

Complaint: Portfolio Recovery Associates recently started calling me stating that I owed {$760.00} and {$900.00}. This debt was paid off in XXXX of 2010. The card was destroyed. 

I have sent numerous certified letters to Portfolio asking the following : The date the card was used The amount of charges made on the card since the last known zero balance ( XXXX 2010 ) A complete transcript of the activity of the card since then. 
The amount of the debt when it was obtained, and how much interest has been added since then. 

They always fail to provide me with this information, and instead send me an identity theft affidavit and a list on corporate letterhead of the balance I owe, principal and collection costs. Nothing providing existence of the debt owed, as I have asked. They tell me that they do n't have statements to prove when and how purchases were made. They told me that it absolutely, without a doubt, 100 % had to be my debt because my name and address is on the account. I know that I am entitled to the information i am requesting under the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I reviewed my credit report on XXXX XXXX,2017 Equifax is retaliating against me because of filed various Federal Retaliation and Discrimination complaints. Equifax credit score is at XXXX? XXXX XXXX and XXXX XXXX. Equifax, XXXX and XXXX suppose to delete all negatives and hard inquiries from my credit report, but they have not done anything.Why? Because of my file various Federal Filed complaints? I am XXXX and Retired and a Military Veteran. Why XXXX and Minorities XXXX and Military Veterans and Military Veterans gets Retaliated and Discriminated by Major credit reporting Agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I went to a restaurant for lunch, by myself, with no way to pay except my debit card. 

When the time to pay came, I gave my card but it was handed back to me as not working. 

I called the bank, and they told me that my card had been turned off, and there was no way to turn it back on. I asked why, and they said that " a merchant had been compromised '' and so they turned the card off. 

There's no way for the card to be turned back on, there was no replacement card sent, and there was no notification that the card was going to be turned off, despite their assurances that a notice was sent. 

They left me with no option to pay, they wouldn't forward the money for my meal from my account to the restaurant ... how was I going to pay for this meal? They left me completely stranded and without means to pay. Its humiliating, inconvenient and ridiculous. Surely that is not the first time that has ever happened. Why would you turn off one card before another is activated?

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