milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Credit decision / Underwriting

Complaint: I applied for the Making Home Affordable program ( 2 % interest rate ) HAMP Tier 1 and/or Tier 2 through my mortgage lender, SPS. For the last few months, I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. My expenses have increased. To make ends meet, I exhausted all my reserves and looked for help from SPS. I want to be evaluated for every loan modification alternative including the HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the HAMP program as well as any incentives. SPS has been delaying consideration of my mortgage application, losing documents, constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a XXXX credit card on my credit report for the amount of XXXX that was opened in XX/XX/2012. I have never had a XXXX Card/ I have recently tried to obtain credit and was made aware this is debt that owed by me. I disputed all three bureaus and I am showing the card listed on my report as XXXX XXXX charged off and XXXX XXXX both collecting on the same amount. Both are trying to collect a debt that I never applied for. This account is showing as being had payments, but I have NEVER made a payment on this card or ever done business with either. I called and asked about the address and the address given was a XXXX, NC, which is not my address or have I ever lived at that address. I disputed with all three bureaus XXXX, XXXX, and XXXX, and they have it listed as verified. This is fraud, and I would like an investigation to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In addition to Experian NOT completing my disputes using the information I provided, I was charged to use Experian.coms website to get my supposed free results of a dispute XXXX months ago. I was sent an email and a link to see results of my dispute and when I hit the link, I was given a response of " We can not provide your results online at this time ''. I asked a rep why this was and they suggested using the experian credit tracker instead. I was told I had to give credit information and was charged each month since almost {$25.00} per month. I called a rep today to cancel this and asked for a refund and was only given XXXX month as a " Courtesy ''. I am sick and tired of dealing this this company. They continue to tell me my disputes are frivolous, they charged me for a free result of a dispute result and they send me form letters saying they will not honor any of my disputes unless I provide new information. I 'd love to be able to, but they continue to validate numerous XXXX accounts and Court records using false information, then telling me it came back verified. Why are XXXX and XXXX able to do manual investigations and Experian not? They are clearly not investigating using the information I have provided and match these accounts with my name only, never looking further to see that the name XXXX XXXX does not legally exist or was ever attached to anything on these accounts with me. Then to add insult to injury, they tricked me into paying for credit monitoring to get results from an investigation I did back in XX/XX/XXXX of this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My client submitted a request for short sale to Penny Mac in XXXX and we were told the file had been submitted to the investor for a decision in early XXXX. We had a ratified contract on the property in XXXX and were told to hold it until we received the Approval to Participate ( ATP ) which is the FHA letter allowing the seller to participate in the pre-foreclosure sale. Approximately 10 days later we were informed that the property has a foreclosure sale date of XX/XX/2017. When I confronted the contact at Penny Mac he said he is just informing us of the sale date and that the review was still pending. After several days I emailed him to get the status of the ATP and was told they will not issue the ATP since there is a sale date scheduled. I explained we had an offer on the property and asked him why he told us not to submit the contract. His response was the investor initiated the foreclosure faster that they thought it would be. I immediately sent in the offer and closing disclosure and requested he send it in for review. I asked for an update and he is no longer returning calls or emails. I have called his manager 3 times and not received any return calls. My client was depending on Penny Mac to handle his request in a timely manner and give him consideration on his offer and they have completely dropped the ball. This company has drug the process on and allowed the home to go into foreclosure when they had the ability to move the file in a timely manner and keep the foreclosure process from being initiated

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (TX).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: On XX/XX/XXXX, I was approved on line for opening a checking account and brokerage account by Charles Schwab Bank. I setup a password and user ID and was able to log on to the account and select funding options. I decided to use direct deposit to fund my account. I also used online chat to verify the account was open and could be funded by direct deposit. No where was I provided any INFORMATION about the account not being fully approved. On XX/XX/XXXX, I reached out to my employer and setup direct deposit. My first deposit to fund my newly opened checking account was going to be on XX/XX/XXXX. Today I logged on to Charles Schwab to confirm if my direct deposit was received. When attempting to log on to the account, I was unsuccessful and received a message stating " this account is now closed ''. This message validates the account was approved and opened. I did not receive any information by email or paper mail informing me the account was closed. I called their customer service and was informed the account was not approved based on information obtained from my XXXX Credit Report. This is something they should have known at the time of approving and opening the account one week prior. My direct deposit will now be returned to my employer and a paper check will be mailed to me. It may take up to 10 days. Not only is this the primary inconvenience, I also closed my other checking account the day after opening the Charles Schwab checking account. There must be some form of legal action I can take against this pathetic bank/brokerage company. No big deal if I 'm not the client Charles Schwab is looking for, just let me know at the time I apply. Do not open my account and change your decision a week later leaving me with no money and a returned direct deposit. This is going to be difficult to explain to my employer about the direct deposit being returned.

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 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LTD Financial Services, LP (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LTD Financial Service demonstrated false representation by presenting themselves as a debt collector on behalf of XXXX. They also, call and do n't leave messages. When questioned about why they do n't leave a message, you 're they ca n't leave messages. 

On XXXX/XXXX/15 I received a call from LTD Financial Service ( I spoke with XXXX XXXX, I was then transferred to XXXX XXXX ) advising they are collecting a debt on behalf of XXXX and that I only had 45 days to pay them plus interest. I advised I did n't believe they were collecting on behalf of XXXX because I received a letter from another debt collector for the same account. 

I advised LTD that if they legally owned the account to mail me a copy of the original terms & agreement and that I would then make payment arrangements. LTD sent me a letter dated the day of over conversation ( XXXX/XXXX/15 ). 

I followed up with LTD on XXXX/XXXX/15 ( I did n't write down the reps name however LTD advises they record the calls ) on the XXXX I again requested they provide documentation that they own the account. I advised that I would contact XXXX to verify whether or not they own the account. The rep offered a telephone number XXXX. I advised that I would use the telephone number that I have. 

On XXXX/XXXX/15 I spoke with XXXX at XXXX and explained what was happening and I asked if they are continuing to collect the debt. XXXX advised they are not collecting the debt because charged it off and that they would have contacted me if they sent it to a debt collector. XXXX also let me know that she was unable to verify the telephone # XXXX and the address ( XXXX ) noted within LTD 's Financial Services letter. 

I called and spoke with XXXX XXXX on XXXX/XXXX/15 to relay the conversation I had with XXXX. I was transferred to XXXX XXXX. After letting XXXX XXXX know XXXX is not attempting to collect the debt she attempted to continue to convince me that they were a debt collector on behalf of XXXX. Within moments, XXXX XXXX then told me that they no longer have the account in their office and the debt was cancelled as of XX/XX/2015 based on the conversation with them on that day. Note : the XXXX/XXXX/15 conversation was recorded ( with disclosure it was recorded ). 

On XXXX/XXXX/15 I called the telephone number LTD alleged was the number to XXXX, a prerecorded was received indicating, hello, thank you for calling, the number you called has changed, hang on, you may qualify for one of the following options ... 

Clearly, this appears to be a company attempting to scam consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On   XXXX   report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to  XXXX  and the results per Report  Number  :  XXXX  on  XXXX / XXXX /   2017  was that the information remains. This information should not be reporting and i did submit the documentation from    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 08/18/2016 about Payday loan () with Mobiloans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan with Mobile Loans, not realizing that I would be paying a XXXX interest rate every two weeks. I borrowed XXXX, and they are charging me {$200.00} every two weeks, plus XXXX interest every two weeks. I bring home XXXX per month from Social Security XXXX and can not afford to make a XXXX payment.

Company response to consumer: Untimely response
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The CBE Group is continuing to harass me with another letter claiming I owe a debt to XXXX that was paid in XXXX. The amount was leftover balance from a previous account that was closed by XXXX when I made some account changes. I have been a longtime customer and XXXX simply issued me a new account number. Despite sending them a copy of the paid invoice and a letter fated XXXX XXXX, 2015 warning them not to pursue this matter, I have received another letter ( copy attached ) attempting to collect a phantom debt.I want this company censured and fined. I would like to be personally compensated for the maximum amount due to CBE 's negligence and possible damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had 3 XXXX XXXX accounts that were included in my 2013 Bankruptcy that was discharged years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and XXXX XXXX claims it is valid. How is updating monthly on a bankrupt account valid? This is a clear violation and needs to be fixed!

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted Trans Union Credit reporting services for 3 months requesting that they correct the credit limit information associated with my credit card account with XXXX XXXX. 
I have worked with XXXX Card services in getting them to send multiple account corrections to Trans Union to get this resolved. 
They correct it temporarily for each of the months I have called in only to have the erroneous information appear back on my credit report the following month for the past 3 months. 
XXXX Card services also sent them and me a letter stating the correct limit on the card.The card issuer has been very helpful in going above and beyond in assisting me with this matter. 
This error has been adversely impacting my credit utilization and causing a score drop of 20 points, which seems questionable also. 
TransUnion is also reporting balances for XXXX card services, when there is a XXXX balance. This leads me to question their practice of the timely updating of information that is correct. 
The two major reporting agencies, XXXX and XXXX have the correct information. There was never an issue with my XXXX account with them. 
So where and why is TransUnion supposedly getting all of the wrong information???

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 01-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: First I had to sign up for a credit monitoring program just to see my scores A student loan over 25 years old is showing on my report again it was removed ed over year ago and now it 's back on ... .. the sol. Has expired I want it tempted from all XXXX cbr, so This has been and issue for over 3 years I have had to pay on accounts still reporting that should never have been on my report. I believe I should be included in the compensation for consumers due to the improper practices in turn reporting I have lost over XXXX dollars because of transunion, s reporting practice es

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Struggling to pay mortgage

Complaint: This complaint is an extension of Complaint Number XXXX. While communication in general was good throughout the last complaint, our issues were never resolved. We still don't know what the Trial Period Plan actually means. How the trial period payment amounts were calculated, what happens if we make the 3 trial payments, what exactly will our principal balance be if we make the 3 trial payments, and what the proposed plan options will be if we make the 3 trial payments. No disclosure of exact details provided. Prior to XXXX at B of A, each B of A rep gave us different info. XXXX provided some clarity but no real details. What are our accrued and unpaid interest, out of pocket servicing expenses, what will the unpaid principal balance be if we make the 3 trial payments? Extended the term of our loan to what? XXXX also stated on the phone that once the 3 trial payments were made, we would be offered a different type of agreement / modification. Their offer stated we were either ineligible for various programs because we are'nt late enough or because it's a primary residence or because it's a HELOC. What does that leave??!! We are in Chapter XXXX. We were assured by B of A counsel at our Chapter XXXX hearing that B of A would put us into a better position in terms of our monthly payment. Please follow through on this assurance. Each day that passes more equity is lost in our home. Every month our late fees and interest accrue.

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 08/22/2015 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I paid an old ambulance bill to a collection attorney office Mitchell D blume back in XX/XX/XXXX. Now they are contacting me about said ambulance bill again and they have listed it on my credit with a date opened of XX/XX/XXXX. Last time we used an ambulance service was in XX/XX/XXXX. I paid that with them settling this in XXXX the first time they contacted me. That ambulance bill was for me personally. 
Now saying they have one for my daughter XXXX who was covered under package A XXXX in XX/XX/XXXX. I provided all her ins information at the time of service. And its against the law to bill any XXXX recipient for any medical bills. So why am I being billed again? And why is it now on my credit XXXX yrs later and just bow hearing about this with an open date of XX/XX/XXXX? We have not used an ambulance for any reason this year or for XXXX yrs now in fact!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Credit card debt) with DISCOVER BANK (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I was with Discover, got behind on payments. The situation escalated and I was getting sued by Discover we arranged payments and now the debit is paid. The problem im having is that Discover hired XXXX XXXX XXXX ( law firm ) to sue me which meant account never left Discover hands, i quote " Respectfully submitted, Discover Bank By Its Attorneys ''. So now that the money is all paid Discover changed my account from Closed to Current then the very next day Changed it to an charge-off with {$0.00} balance. How can you charge-off nothing? Only thing being done is Discover being vicious against me to hurt my credit. I been watching my credit reports, Discover only closed the account and hired XXXX to do the dirty work and now still trying to write it off as an charge-off.

Company response to consumer: Closed with explanation