milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2015 about Mortgage (Other mortgage) with U.S. BANCORP (NM).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX my loan had a balloon payment due. In XXXX XXXX to contact US Bank to assist me on what they can do to helpas I could not get another loan to pay this XXXX off. It is now XXXX have been going back and forth for years with no end in site. I have sesent them paperwork after paperwork. Had a short sale offer, they didnot take or even respond. Requested a deed in lieu and they did notrespond, suggested at the beginning if I could continue to make the payments as is they said no loan was due in full. After a year or so of this they said I could make up the past years payment, bring loan current then make monthly payments. At that time it was {$9000.00} pastdue. I only owed {$23000.00}. Today they say I owe {$23000.00} plus {$17000.00} past due. I took money out of my IRA to just keep up with mybills. I have had excellent credit my whole life, this has just been anightmare. They did change the mailing address so for six monthsI did not receive anything. It took they a year of me callingto correct the mailing address. this is a lot loan, no house is on the property. In XX/XX/XXXX they started foreclosure, I told them to take mylot. They have done nothing.They have ruined my credit and arecontinuing to ruin my credit. I am at the end of my rope. this problemneeds to be resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX is assigning a mortage. XXXX has no right since it does note own the note. XXXX only keeps track of mortgages. The bank representative acting as a XXXX reperesentative is assigning the mortgage. XXXX can not assign mortgages. It does not own the note and therefore can not assign the mortgage. The bank representativce does not work for XXXX, or have the rights to assign the mortage without owning the note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: TITLE : Wells Fargo : I had an account with a XXXX ; paying minimal interest rates ; & Somehow I was Coerced to switch those accounts to Wells Fargo, By a banker named, XXXX,XXXX , XXXX , tx, who then opened approximately three other accounts, XXXX, etc ... etc ... Well He painted a beautiful picture, promising a 9.7 % interest on a consolidation Loan, which ended up being 11.0 %, which I am still paying. I spoke to a Wells Fargo agent in XXXX, Va named XXXX, who could not lower my rates. I should have stayed with, lower rates, with my Credit Union ; but, admit, that I was Duped, into these High-Interest rates account, and am drowning with Fees. Is there anything I could do? thanks for your time, Sincerely Yours 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 monetary relief
Consumer complaint received 06/27/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Property surrendered to CitiMortgage in chapter XXXX bankruptcy in XX/XX/XXXX. A different entity attempted to foreclose in XX/XX/XXXX which suit was voluntarily dismissed in XX/XX/XXXX. In XX/XX/XXXX, CitiMortgage claimed it purchased the discharged debt. Between XX/XX/XXXX through XX/XX/XXXX, Citi declined numerous generous offers for short sales and deeds-in-lieu. We then sued Citi for illegal debt collection of the discharged debt and settled the case in XX/XX/XXXX, in part turning over possession and control of the subject property to Citi, which they accepted, in exchange for our promise not to contest an imminent foreclosure. CitiMortgage has declined to foreclose or maintain the property, or to release the lien to prevent blight, and it has now become an eyesore and danger with rotted steps and porch, no air conditioning or water service for at least 7 years ( in Florida ), has dangerous tree growth, etc. The homeless have found shelter underneath the house. The liability to us for injuries is great as the property is still titled in our name despite delivering possession and control to CitiMortgage. The property lies in the middle of a historic business district with intermingled residences and use to be a beautiful landmark - it draws many 'lookers ' onto its expansive and now dangerous porch. Citi is now again beginning its barage of letters to us wanting our financial information for loss mitigation even though we have no personal liability on the loan and have turned over possession and control - including all keys. Citi agreed, in part, to close the account except as required to foreclose. We have complied with all our legal obligations under the bankruptcy code and the lawsuit settlement, and Citi has declined to foreclose. For 7 years Citi has denied us our fresh start, denied the City of a blight free property and denied all willing buyers of the opportunity to occupy and maintain the property which would preserve the historic nature of this community.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 1st Franklin Financial Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I initially open this account my due date was on the XX/XX/XXXX of the month and my first payment was showing XX/XX/XXXX and I ask my due date to be changed to the XX/XX/XXXX of each month in XX/XX/XXXX. I made payment on XX/XX/XXXX and I found out funds was not received until XX/XX/XXXX and I immediately made XXXX dollar payment in which account was not made and it have shown on credit report as accurate and late. I never received a call or letter or anything saying account was late.

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 11/23/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Late fee

Complaint: I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX chargers in the amount of {$35.00} dollars. On XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing is a collection agency, not a mortgage Co.. Therefore I believe they do not have legal right to foreclose on my property. They have been harassing me with foreclosure, sheriff notices since year 2004. There is a statute of limitations to collect on a debt. I already owned my home. I did not purchase my property from SPS. I took out a home improvement loan with a mortgage company called XXXX. They are no longer in business. SPS refuses to produce original wet ink note on property.We went through numerous modifications. With higher payments.Always at the end of trial period, they have repeatedly lied about paperwork and documents missing.The last modification they wanted us to sign was for a whole new amount due, well over {$100000.00}. My principal due on loan was only {$71000.00} at that time. I refused to sign.SPS was adding attorney fees, property inspection fees, misc fees. No one ever came to my home to inspect. I have tried to make payments, sent through XXXX XXXX. SPS returns payment, will not accept. This has caused stress related illness with the constant badgering. I demand SPS to cease and desist any further contact, through the courts or otherwise. There are many, many others experiencing this same treatment from SPS. They have filed complaints as well. Why are they still allowed to be in business??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MST Financial Services, L.L.C. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A disputed debt was sent to a XXXX collection agency. The XXXX collection agency has failed to notify me of how to dispute the debt, failed to notify the CRAs that the debt is disputed, and is now charging me more that the original amount. I believe some or all of these violate federal law. They have also failed to respond in full to my letter sent certified mail.

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 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: BYL COLLECTION SERVICES XXXX. Has sent me a letter stating that they want me to pay a 50 % settlement for the amount of {$130.00} and it looks like the original creditor was referenced as total XXXX. Client account number is XXXX. Unfortunately This BYL Collection Services is a third party collection company that up until this time has NEVER communicated with me. I did send them a letter via mail asking for validation of this debt by supplying to me the original signed contract between myself and XXXX XXXX. At this juncture I have not received anything stating their position that I owe them anything. I have never entered into a legal binding agreement with this company and do not owe them anything. The FCRA states that in section XXXX I have the right to ask for and be supplied with the original documentation stating that i owe any such balance. Simply sending me an itemized bill or a letter offering me a settlement opportunity does not meet the requirements of the law. In my last letter to BYL I requested that all collection activities cease since no proof of validation was supplied to me and yet they continue trying to solicit me to pay them something that I do not owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Medical) with Eagle Recovery Associates, Inc. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On Friday, XX/XX/XXXX, XXXX XXXX of Eagle Recovery Services ( XXXX ) called me aggressively demanding my banking information to settle a debt they were handling in regards to the Emergency Physician 's Bill from XX/XX/XXXX when I went to the Emergency Room at XXXX Hospital in XXXX, MI. XXXX XXXX continued to threaten that if I did not settle the full amount of {$400.00} that they would " pursue legal action ''. XXXX refused to express what actions were considered as " legal action '' and made it very difficult to get information regarding the debt. I asked XXXX times where the debt was incurred and who the debt was owed to. After expressing, " it should n't be this hard-you should not be this difficult because this debt is from XX/XX/XXXX, you need to give me your routing and account number '' he reluctantly gave me the contact info for XXXX XXXX and his office. He refused to give me his official title, the times and dates of contact, and the location of Eagle Recovery Services. I called him again today, Wednesday, XXXX XXXX to set up a payment plan to settle the debt and he stated that that was not an option because the company that issued it demands that it be paid by XXXX XXXX or they will pursue legal action. He refused to accommodate me in setting up payments to settle the debt. I then asked again what legal action entailed, he stated " I am not a lawyer, I can not give you that information, you just have to pay it by the XXXX or they will pursue legal action ''. He continued to be very aggressive as I asked him what would happen if I requested to stop the payment and responded, " then they will pursue legal action ''. I expressed that I was highly dissatisfied with how this situation has been handled. He has repeatedly retorted that I had been contacted XXXX times regarding this account. I have not received a letter regarding this account. When the agency called, the caller ID showed " restricted '' and they did not leave voice mails and if they did they were very vague and I do not recognize them in it. Today, I again asked XXXX XXXX for the times of contact. He stated that the Eagle Recovery Service mailed a letter on XXXX XXXX and XX/XX/XXXX. He further stated that they called on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX XXXX refused to give the dates that the company that reported the debt contacted me. If I was properly notified of this debt and how to dispute it or resolve it, I would have settled it at an earlier date. I feel extremely threatened and upset regarding this matter. Because I am scared of legal pursuits that XXXX XXXX threatened me with, a payment of {$400.00} ( more than half of my monthly income as a student ) will come out of my XXXX account tomorrow, XX/XX/XXXX, after XXXX XXXX demanded and coerced that I give him said routing and account information. I did notify XXXX XXXX that I would be filing this complaint today.

Company response to consumer: Untimely response
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted credit reporting agency Equifax multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Equifax is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.

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 06/24/2017 about Debt collection (Medical debt) with PDQ Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have made multiple attempts to have this company review its medical billing practices. I contacted the insurance provider, XXXX, and had the representative contact the agency directly to receive itemized billing as well as dates. The company refused to comply with the insurance carrier stating it was not an insurance issue. The company, XXXX XXXX double billed. The company wanted me to pay, as well as billing my issuance for procedures that did not take place. I will billed for XXXX I did not receive. As shown in email communications with the billing department, the company would bill in advance for services not rendered. When we refused to pay fr services not rendered, the company sent out account to collections. We spoke with a XXXX XXXX with PDQ Services. XXXX is the representative who refused to speak with our insurance carry, and would not provided details on what we were being charged for. To date, only a dollar amount is provided, not the services for which were alleged rendered for payment. Our last communication with XXXX XXXX from PDQ Services, and XXXX XXXX was in XXXX 2017. Now PDQ Services have reported this fictitious amount to XXXX, and sent us a letter stating that " pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practice ACT, that they have provided verification multiple times, and the validation period has since passed the day 30 days. '' We have yet to receive any such communication. Just a fraudulent collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AK).
Issue: Closing on a mortgage

Complaint: We applied for a mortgage with Wells Fargo. The property was in a XXXX XXXX community on land owned. The XXXX community has a combination of land owned and leased land. We were pre-approved for a mortgage and a closing date was set for a month later. Per request from Wells Fargo, we agreed to put down 25 % of the price. Wells Fargo demanded an appraisal which we paid {$500.00} for. The appraisal was reviewed by Wells Fargo and the value of the property was lowered {$5000.00}. The sellers agreed to lower the price accordingly. When the closing date was moved for the 3rd time, the sellers were considering to pull out of the sale. We called Wells Fargo notifying about this and were assured that they would refund the cost of the appraisal if the sellers pulled out or if we were denied the mortgage by no fault of our own. After the closing date was moved the 5th time, the sellers decided to retract the sale of the property. We notified Wells Fargo about this, requesting refund of the appraisal, but was told that the mortgage was denied by XXXX XXXX due to insufficient collateral - XXXX XXXX does not finance properties as the one we wanted to buy. We got denied the refund of the appraisal for that reason. We filed a complaint with Wells Fargo Consumer Care and Recovery Group, but was told again that they do not refund appraisals after denial of mortgage. Our opinion is, that they should have know this prior to pre-approving us and putting us through the process which lasted 3 months. We were also told by Wells Fargo representative that XXXX XXXX might not approve the mortgage as it was in a XXXX community consisting of manufactured homes, irregardless Wells Fargo should have known that XXXX XXXX and Wells Fargo does not do these type of mortgages. We were lead to believe that this type of mortgage was possible through Wells Fargo. We wasted three month of our time, lost the home of our dreams and {$500.00} due to the above.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: First XXXX and my last name not right on my credit report hard inquiries not matching

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I just reviewed my credit report and I am disappointed by Experian. There is NO such judgment listed with the Court for the date or the amount listed below : Judgment - Date filed XXXX/XXXX/2015 Case Number : XXXX $ XXXXExperian is subjected to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices, ( Section 1031 of the Dodd-Frank Act ). If this entry was indeed verified, please send me the name and address of the third-party provider or furnisher providing this data, so I may pursue additional legal remedies. Experian is in clear violation and I am demanding a full deletion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We purchased our new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX our credit union sent a payoff of the vehicle to the dealership. On XX/XX/XXXX we received a statement from Toyota Financial Services indicating we still owed the $ XXXX. I called Toyota Financial Services on XX/XX/XXXX and they informed me they had n't received a payoff from the dealership. I immediately called the dealership and was told they would email the Finance Director who would take care of it. On XX/XX/XXXX I followed up and found nothing had been done. I spoke with the Finance Director who assured me the check would be sent to Toyota Financial Services. They sent me a copy of the check and the tracking number. The representative at Toyota Financial Services could not find the check with the information I provided and instructed me to fax a copy of the check and tracking information to the escalation department which I did. She also suggested that if I did n't want it to affect my credit I should make the payment of {$760.00} which I found totally ridiculous. I was just contacted by XXXX XXXX XXXX and was told that the check has not cleared and they are sending me proof that the check was signed for by someone at the company. Now I 'm having to jump through hoops to try to track down this payment and have been told there is nothing that can be done re. my credit and that I would just have to dispute any negative marks. This unacceptable and should not be tolerated especially when I 've done nothing wrong. Please help,

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: an amount on my credit report which is not in my name nor have I had a history with this company

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