milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2017 about Debt collection (Mortgage debt) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Rushmore Loan Servicing LLC has offered us a Trial Modification Package for us to restart paying our mortgage debt. We received their offer dated XX/XX/XXXX demanding a payment of {$3400.00} up front and then a monthly {$1700.00}. However, they have only included a penalty amount of {$44000.00} and have kept the total modified amount unstated. <P/>We accepted the trial modification offer but have asked for the total amount that we would be paying towards. I sent them a certified letter on XX/XX/XXXX asking for the total amount, what this amount would be applied towards i.e. when would the Trial portion end, and how they calculated the loan affordability. I stated that the $ XXXX/monthly demanded payment was too high relative to our stated gross income of $ XXXX/monthly. <P/>Initially they agreed that they would get back to us and clarify our questions ; but now they have called on XX/XX/XXXX threatening that if we do n't follow through with the  demanded payments they would pursue foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was originally with a company called XXXX, they contacted me in XX/XX/2016 to collect the debt for XXXX. On this phone call I explained my situation to them which was I had dropped a phone that had about 8 months left on its contract and payment plan into a cup of water. Being that majority of my plan paid out I was willing to pay the remaining balance on the phone that I had damaged but I wanted my service cancelled because it was no longer working. The man I spoke to at XXXX agreed to make sure the service was verified cancelled before I made my the payment to them, so after about 10 minutes on hold and him speaking to his superior he said that they went ahead and contacted XXXX and had marked my account to be cancelled upon payment. It was at this time we settled on a payment of XXXX dollars which I made in 3 payments over 5 weeks. I have the bank statements to prove these payments were made. Shortly after I made these payments I checked my credit report to make sure it had been removed and it had not. It was at this time over 6 months ago now that I filed a dispute explaining all of this, after 2-3 weeks I got an email updating me that the derogatory mark would be removed and I had won the dispute and the creditor agreed to remove this from my credit report. About a month or 2 had passed and I got a phone call, now it was from this current debt collector I explained everything to the woman on the phone and she basically told me to go dispute it again if I want or pay them but that I 'm better off paying them. That is not okay, I settled on this debt, I paid the settled on amount, and now this is ridiculous. This debt is sold and bought for pennies on the dollar to try and collect from the next one. I 'm not paying this debt when I already paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Medical) with Strategic Alliances, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This company added to credit report XX/XX/XXXX and shows placed for collection on XX/XX/XXXX.This is not true as I have copies of all of my credit report from this date til now and I have never received any phone calls or letters from this company regarding my debt with this company til now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I declared bankruptcy in 2013. I was approved for bankruptcy. This company continues to call me, my family, and my place of employment threatening me with lawsuits and arrests. I have given them by lawyer 's information at least 10 times, and they continue to harass my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, I have contacted AFNI ( collection company to validate a debt that is not mine, I sent this letter via certified mail in which they returned a bill from XXXX XXXX under the name XXXX XXXX, XXXX is my middle name but this debt is not mine. I requested AFNI to validate is information in which they refuse. I have disputed the information with all XXXX of the credit company 's in return they said debt has been validated. I never signed up for any XXXX account and I am being refused validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Consumer Loan (Installment loan) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: I got a levy from this company XXXX. It is an account that is over XXXX years old. I would like to settle XXXX accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not adequately protect my information which has led to an embarrassingly large data breach that puts myself and at least 150 million others at potentially life-ruining financial risk.
I am extremely disappointed with how Equifax has handled the reporting of this. Very little was done to notify the public in a timely manner - waiting for over a month after the breach was detected. I received no email, letter, nor phone call and instead had to discover it via the media. That is absolutely outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Auto) with EXETER FINANCE CORP. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Exeter repossessed a 2008 ford fusion sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. Exeter sold this account for pennies of the dollar to XXXX XXXX XXXX of XXXX New York acct # XXXX wo called me at home atd told me I was a Fn flake who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. Exeter did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only one but not both

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Student loan (Non-federal student loan) with Utah System of Higher Education (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan was moved from XXXX to your UHEAA company. It was placed in forbearance for some time, then was paid at XXXX $ / month since my marriage in XX/XX/XXXX. By your policy I was to receive bill notifications, but the last received was XXXX XXXX. The email on file was validated as correct. Notifications are not present in my email nor spam nor trash folders. Yesterday, our checking account was debited the remaining XXXX without notice, overdrawing our account just prior to our mortgage payment. Complaint to your customer representatives ( XXXX, and XXXX other ) was met with policy statement of 60 days to return erroneous withdrawals. My bank takes 10 to 45 days to process unauthorized transactions, and decline of payment takes 30 to 45 days. All effort to persuade your representatives that your offical error correction policy is utterly inadequate to this specific situation was unsuccessful. It was made clear, by your policy, that our ability to pay our mortgage and other bills, and our credit rating, are inconsequential to your company 's adherence to a policy of taking 2 months to correct an error. 
As this is utterly unacceptable by any standard, this situation is being forwarded to the Consumer Financial Protection Bureau. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid my bill by check on XXXX. Payment was credited once on my statement, but debited electronically from my checking account twice ( XXXX ). On XXXX, my checking account was credited XXXX. That would have been the end of it, but then XXXX presented the actual paper check on XXXX. Repeated calls to XXXX to check my transactions were met with " we do not show a transaction for XXXX at all on XXXX. '' I spent many hours with XXXX bank trying to straighten out what appeared to be their error. Corporate XXXX was of little assistance, as they gave little or no details, just kept saying I had to straighten it out with the merchant. Once my local bankers explained how payments are processed ( electronically vs. paper ), I could see it was XXXX that was the problem. Each time I call Comenity I get a different person. On XXXX XXXX XXXX XXXX told me to have XXXX fax over supporting documents and request that my account be credited for XXXX. I immediately had that accomplished, and heard nothing. One document that XXXX provided showed the two debits to my account on XXXX and two credits the same day. The second credit did not go through, as indicated by an icon next to it. XXXX XXXX XXXX on XXXX said that XXXX was requesting " unedited '' bank statements. Her comment was " What do they need that for, this is cut and dried. We owe you XXXX. '' She said that with the weekend and the XXXX holiday, it might take until XXXX to get it fixed. Today, XXXX, I get 2 envelopes from XXXX, both containing the exact same letter requesting unedited bank statements. Is n't that odd? They duplicated the letters just like they duplicated taking money out of my account! I called XXXX again at XXXX XXXX. I believe it was XXXX this time. After explaining the whole saga again, he said this was above his level, please hold for a supervisor. After several minutes, he came on again to let me know he was n't ignoring me, just waiting for a supervisor to pick up. Back on hold for a minute and then the call was cut off. I do n't know if XXXX was hacked, but them sending my paper check through 5 weeks after receiving it seems scammy. I have been exceedingly patient up until this point, but have spent WAY too many hours of my precious personal time taking care of and being upset by their incompetence, let alone being lied to. I was fortunate enough to have had a buffer in my account or this would be worse. I now need that buffer money to pay bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My issue was I 'm trying to get financing loan for down payment purchase.thats why I try a lot of options like apply credit card but I do n't get.my story was last year and connected to bank and third party that have connection to make account on my name, apply loans, open credit card and mortgage etc.I dispute some not everything! as I know it 's not a single or one person because in my observations got connected to do so! I can tell the name if we need.

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 Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is my second complaint regarding an issue with Bank of America. I was not able to log in to check the complaint status or add more information. My 1st complaint # was XXXX As stated in that complaint it looks as though my doubts regarding BOA 's veracity were confirmed. After not receiving my new credit card and my refund in the timeframe promised by XXXX in the fraud dept. @ XXXX I made a second call to the same dept. and spoke XXXX on XX/XX/2015 She looked up my claim and said that it had been withdrawn. I asked by who and she could not tell me, only stated that it was an oversight and she would correct it. I am livid that a BOA agent supposedly working on customers concerns would intentionally mislead and lie to those customers. XXXX took all of my information which took putting me on holds for a total of XXXX minutes, assured me my credit for a fraudulent charge would be credited to my account within 24 hrs and a new card would be in my hands within XXXX hrs. It looks as though the minute she hung up she intentionally and with malice withdrew the entire transaction. After speaking with XXXX who assured me of the same timeframes I DID receive my new credit card but have NOT received my promised credit. Can the CFPB help me before I have to pay a lawyer to file suit against BOA, which I should not have to do. At this point I am looking at BOA as if they are furthering the fraud that put me in this position to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced revovery has a claim against me on my credit report. I have only the following information : XXXX # XXXX XXXX XXXX. They are unresponsive.

Company response to consumer: Closed
Consumer complaint received 05-03-2016 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Other

Complaint: 1. Date of last payment is being reported incorrectly on credit account for Synchrony Bank/JC Penney on the XXXX credit report ( report XXXX, date XXXX XXXX, XXXX ) and XXXX credit report. The date of last payment is reporting as XXXX XXXX ; however, last payment was on or around XX/XX/XXXX or XX/XX/XXXX. 

On XXXX XXXX, XXXX, I attempted to reach Synchrony Bank/JC Penney at ( XXXX ) XXXX XXXX, the number listed on the credit report, and spoke with XXXX, id XXXX, who advised that I needed to speak with a " specialist '' at XXXX XXXX XXXX. Upon calling that number, I was placed on a lengthy hold and then disconnected. 

I called a second time to speak with an agent/ '' specialist '', XXXX XXXX XXXX She said the company maintained absolutely no records regarding this account, that it had been sold to Encore XXXX, and that the account and records had been transferred to XXXX ; however, it is not XXXX that is reporting this item. XXXX admitted that, in fact, Synchrony was reporting this item despite having no records to support the reported item. 

I believe that is wrong and unfair. I asked for the item to be deleted, and was advised she had no option over the phone to process that request. While offered the opportunity to write a letter, I do not think it 's fair that I, the consumer, would have to go through all of that burden, when they are the ones reporting items incorrectly and with no documentation to support this. I would like the CFPB to review this problematic practice.

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 07/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Transaction issue

Complaint: When shopping with my daughter and friend for groceries, at check out my capitol one, gm card was refused to pay for groceries, Later when i called capitol one fraud center and spoke to XXXX ID # XXXX??? she said some groceries in XXXX were experiencing credit card fraud so they question all sales, My Complaint is if they are going to Arbitrarily discriminate XXXX groceries they need to inform card holders to stop the embarrisment at time of purchase.How can I cancell doing business with capitol one without effect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Imortgage failed to pay my property taxes in XXXX on my new home construction, leaving me with possible late penalties and other charges. On top of that, for my tax refund, I am unable to claim property tax deductions in XXXX. They have transferred my Mortgage to XXXX mortgage as of XXXX XXXX, XXXX. Since Imortgage claims to no longer own my loan, they are deferring any and all responsibility. I have paid {$550.00} a month out of my escrow account for property tax & insurance since I closed on this home on XXXX XXXX, XXXX ..., where is my money going? Is this even legal? Property tax payments need to be made by XXXX XXXX to avoid penalties, which clearly did not happen. This should not be legal and now I am facing potential liens on my house after all I have done is make timely payments on my mortgage as a good resident of the XXXX Imortgage needs to pay my property tax & assume responsibility for any additional charges & expenses on my behalf. 
Per RESPA, they must " make you whole '' for any adverse action cause by their late payment. Up to and including the loss of home/equity, increase cost of insurance etc Thank you all sincerely, 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 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau Incorporated (ID).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This collection agency its collection burea in XXXX has been on my report many times different items .... i have been trying to clean up my report and get the late marks and the other bad marks off.my report. These.people have sent me forms and now they are stating they are marking their items as disputed. And that is another bad mark against my file ... .... i do not want them to damage my credit and my life. I do beleive they have changed the date when it was posted i have my old credit reports showing different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/14/2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I opened a home equity line of credit in XXXX. I charged {$880.00} against the account in XXXX of that year and paid off the balance of {$880.00} within 21 days. Today I discovered that KeyBank charged the account {$2.00} interest on the loan, in XXXX XXXX, but never notified me of the interest charge. There were no statements, no hits on my credit report and no notifications in my email. They attached a lien on my home for the {$2.00} and never notified me of this additional development. I went to close the open account on XXXX/XXXX/XXXX, just to find out that I owed an additional {$28.00} for the lien charge. There were no past due statements, emails, phone calls, explanations, apologies, or responsibility owned by the bank. The bank manager was condescending when I asked for some manner of recourse or requirement to refute the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants Inc XXXX Fl XXXX XXXX call me almost daily asking when I am going to pay the amount ( over {$1000.00} ) I owe to XXXX, a phone Co. I do not owe any money to that company or any other company. I tell them that but they do not believe me. I ask them to send me something in writing that shows I owe money, but they do not. They have the wrong person but will not give up. Could you please put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Opened new mortgage with BBVA Compass in XXXX first payment was due in XXXX XXXX. By my calculations my amortization is off. They are showing a balance of {$55000.00} and I am showing the balance should be {$54000.00}. Therefore charging me more interest that what I should be paying. I have been on auto debit since day one and have never been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with Aspen Yo LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: A recent check on the XXXX XXXX XXXX XXXX XXXX found a foreclosure case filed against me by a Gregory Funding/GREAT AJAX OPERATING PARTNERSHIP LP. There were motions submitted for approval and hearings held on this case without being served or even a summons being issued by the court. I spoke to the attorney of XXXX XXXX XXXX XXXX XXXX and asked that he cease and desist because there was fraud being committee upon the court in this file and to cease and desist all actions against me because I do not owe this debt. The original default on this debt was in 2007 which in the state of florida puts this out of the statute of limitations. I do not owe this debt to this company even if that was possible without fraud being committed it is out of the statute of limitations. I plan on contacting every federal state regulatory agencies including the bar to complain about this attorney moving forward with fraudulent documents for his client. I am willing to take this to the supreme court if I have to because I do not owe this money to this entity. I have no idea who they are and I will not pay an entity that will try to strong arm me to pay by abusing me and the judicial system. This is a notice of error and to cease and desist foreclosure efforts because I do not owe this debt. They are in violation of Tila Respa FDCPA and Dodd Frank. I will make sure that all agencies are apprised of their fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (I do not know) with Coast to Coast Financial Solutions, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Coast to Coast Financal Solutions has continue collaborating with the scam of XXXX XXXX XXXX XXXX XXXX certified letter were already sent. 

Coast to Coast Financal Solutions is well aware of the willful conduct of XXXX XXXX XXXX XXXX XXXX and reported fraudulent collection account to my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed