milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2018 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: To Whom It May Concern, Over the past few years I have filed numerous complaints with the CFPB, all to no avail. I will continue to file complaints with the CFPB against Select Portfolio Servicing , Inc, hereinafter referred to as SPS, until they stop their wrongful and illegal collection and enforcement activities. Once again, I am being forced to file yet another complaint in additional to another lawsuit. SPS is continually attempting to collect and enforce a debt that no longer exists. Even though the debt no longer exists and hasn't since XX/XX/XXXX, SPS is attempting to foreclose on my property on XX/XX/XXXX. The logic of trying to foreclose on a Deed of Trust that has been eliminated is beyond my comprehension and is outrageous. Despite being aware of this situation, SPS continues with their wrongful, deceptive, and illegal actions. SPS is a " debt collector '' pursuant to the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA, and the California Rosenthal Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. SPS purportedly acquired the mortgage servicing of the debt obligation effective XX/XX/XXXX. At the time of this purported transfer, the debt obligation was contractually due for the XX/XX/XXXX payment. By the plain language of the acts, there is no dispute SPS is a " debt collector ''. There is no dispute that the mortgage debt is a consumer transaction debt that is covered under the FDCPA. Despite telling SPS to stop contacting me in a letter dated XX/XX/XXXX, SPS continues to send me letters and refuse to acknowledge that they are " debt collectors '' without the legal right to attempt to collect. SPS is engaging in acts that are causing substantial harm to me in violation of the Unfair Competition Laws. Immediate action must be taken to stop them from engaging in such unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding the FDCPA and the RFDCPA. SPS is not exempt from abiding by those laws and must be held accountable for their misconduct.

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 06-12-2015 about Debt collection (Federal student loan) with Progressive Financial Services, Inc. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Progressive Financial Services, Inc unlawfully and illegally removed my student loan account with the U.S. Department Of Education out of deferment status and seized {$7000.00} illegally and unlawfully from my federal and state tax return. My student loan account is suppose to be in deferment status and I should have a balance under {$2000.00} because I was given a waiver of debt for debt forgiveness. I have repeatedly received phone calls from debt collectors from Progressive Financial Services Inc harassing, verbally abusing and threatening me with harm, death, arrest and wage garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 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 failed to take proper precautions to safeguard my personally identifying information, including but not limited to SSN, DOB, Name, Addresses, Driver 's License number, and credit card numbers, placing me at serious risk of identity theft and other crimes, through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Fraud or scam

Complaint: Rushcard has not direct deposited my payroll deposit for two weeks now, causing my bills not paid on time, insufficient funds fees and not too mention the emotional stress it is causing, no money is no gas for my car, no car no job which I 'm on the verged of being fired and there is noting I can do about it until XXXX XXXX has fixed the problems, he also should be responsible to pay for fees and stop payments that has resulted from this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax several times about XXXX inquiries and as of now XXXX fraudulent collection accounts that have not been removed from my credit. I have completed XXXX identity theft affidavits and Equifax has failed to properly remove items from my credit report per FRCA regulations. Attached is the letter that I have mailed to Equifax about the accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent letters to equifax to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I gave XXXX XXXX a notice of vacating the property on XXXX/XXXX/15 due to him creating and allowing a hostile environment where I was being discriminated against due to religion, gender and ethnicity. His tenant moved from their patios to the apartment entrance to harass my nephew and hung around in front of my door to intimidate me because they wanted me to move ; they were XXXX or XXXX men which scared me. I filed complaint with XXXX and he sent a bill for amounts not owed, He allowed his contractors to damage my chairs and never notified me of any repairs being done to the bldg. He put materials in front of my patio door causing me to fall XXXX and I have XXXX and health problems. When I moved in I had to clean the apartment due to roach mounds,, mold and mildew everywhere and coming through the paint. There were all sorts of insects like bedbugs, ants, roaches, spiders and bait coming inside the apt XXXX Workers with keys entered my apt while I was out and left clues to being there including leaving the door open. The contract said the notice had to be given 60 days before move out and on or before the XXXX of the month. I gave him the notice early so that he would be aware of the move and circumstance. He wanted me to give him the notice after 2 more weeks passed which I talked to him personally on the XXXX about this. So, he was given written notice and verbal notice of my move out. He charged me {$1000.00} for failure to give notice and cleaning expenses. I did what he asked, but he retaliated. I called the XXXX police about the incident and he said that he would do nothing without a restraining order, but he made sure he called the police on visitors that I had and you can check the record -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX GA XXXX. He would stand in front of my door every time he came into the complex which stressed me, because it was intimidating and said that he knows everything that was going on in the complex. His demeanor and actions reflected that he wanted me to move and the people in XXXX XXXX & XXXX made sure that I was n't welcome with their actions. I followed what he told me to do, but the fact that he owed me for the chairs means we break even.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with ACS Education Services (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My former loan servicer, ACS, never informed me ( after several inquires on my part ) that i was not set up on the correct loan type ( which would be direct consolidation ) to receive XXXX. I asked several times and inquired to make sure ... i was on the right repayment but not on the correct loan. So, now after paying on my loan for 10 years i now have to start over and i owe XXXX more than my original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: I am very disappointed that the CFPB did not help to resolve this fraudulant loan. # XXXX between XXXX XXXX and XXXX, FF ( AKA ) One West. Case # XXXX with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have amazing credit. One day my score dropped and I went to see why. XXXX XXXX had a collections for {$70.00} on my report. I have n't had a cable account in a few years. This is Money I was never asked to pay and do n't believe that I owe. I told the collections company and wrote a letter to dispute and it was removed. Now it is appearing again through Stellar Recovery Inc. I disputed with them and opened a case with the BBB ( Finalized XX/XX/XXXX ) They said they would send verification of debt but I never received. Not to mention, you can show me a bill all you want. I ALREADY SAID THIS IS NOT SOMETHING I WAS AWARE OF! How can I pay a bill i did n't see until it was on my credit report? Furthermore, the date of collections on my report is WRONG. It shows the day that Stellar acquired the collection NOT the orig. date. This is not legal and should be REMOVED FROM MY REPORT DUE TO ILLEGAL PRACTICES. This is stright from XXXX : " Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I do not owe any debt from Creditor " XXXX '' and never get any call for " XXXX XXXX XXXX '' Collection Agency but I see collection added to my Equifax Credit Report. I tried to contact collection agency but did not find proper information for contact. It seems to be fraud alerts. I did not find any way to dispute with Equifax for this fraud alert. Please escalate it to Equifax or some one as it is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Medical debt) with Professional Debt Mediation, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/X/17 - I called them to start payments on the amount owed of {$590.00} - they are asking for payment of {$800.00} - they are adding a fee of {$200.00} - is this legal?

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 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Data Check of America LLC (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They have identified themselves as DataCheck on occasion.They call constantly ( upwards of 4-5 calls per day ) stating that they are going to garnish my wages within 24 hours. They claim this is for a returned check dated XXXX 1998. I have repeatedly asked that they stop calling and informed them that it is past the statute of limitations. At that point, the agent gets rude and some have started yelling at me and talking over me, and stating that there is no statute of limitations. They have provided several reasons why the statute of limitations does not apply. The last agent that called today stated that I was stupid for advising about the statute of limitations. I have blocked more than 10 different numbers from this caller.

Company response to consumer: Untimely response
Consumer complaint received 03-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing

Complaint: I opened an XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I looked at several cards before applying, but decided that i wanted this card because of the welcome bonus of XXXX pts after XXXX in spending. Before applying, i specifically asked XXXX if i qualified for the bonus, and they told me yes, and restated the terms i described above. 
Today, i online chatted with them trying to see why i had n't received the bonus - they told me that i had a gold card that was closed in XX/XX/XXXX. I now see in the fine print that you can only receive this bonus if you have n't had the card before. My problem is that they specifically told me i qualified for the card even though i last had it years ago. 
I feel this is at least a bait n switch technique, and at worse - fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been called literally XXXX times regarding a fee that XXXX charged my company when we cancelled our telephone services with them. This company is Diversified Adjustment Services located in XXXX, MN but when they call me they have their number appear to be a local number which is an XXXX area code which I am wondering is legal to change the appearance of your number like that. We had been contacted by XXXX about renewing our phone services but told them we were looking to change carriers. We were then told that since we have had services for 2 years already there would be no break up fee if we cancelled the new contract. We asked them again to be certain no fee would be incurred for breaking the contract as we were fine going month to month but again were insured there would be no fee. A few months after agreeing to a new contract verbally, no paperwork was signed this was all done via a phone call from XXXX, we changed our service to another XXXX. When we got our final bill there was a fee of {$300.00} for early termination which we contacted XXXX to say we did not owe. They originally said the call was being recorded so we asked them to pull the recording but only XXXX to 4 months later when we questioned the bill they stated they could not find the recording. Now we have explained this to XXXX, XXXX other collection agency and now Diversified Adjustment Services will not stop calling me. We recently sent them a formal letter to quit calling as the debt is disputed but they have not received it as of yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: I recieved my actual paycheck after my original pay date

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXXI received a Loan from XXXX XXXX for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was T-boned by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with XXXX to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with XXXX because I had GAP insurance, they were contacting XXXX but XXXX did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and XXXX would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over 15 inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being XXXX. Equifax had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you

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

Complaint: My personal info ( SSN, driver 's license, age, address and bank account ) has been hacked because of the neglect of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: On XXXX/XXXX/XXXX I tried to manage my netSpend acct on line but found it blocked. Upon contacting customer service I was advised that my acct had been closed on XXXX/XXXX/XXXX for " unacceptable acct usage pattern '' and that I was " no longer eligible for netSpend services. '' I waited 45 minutes for a supervisor who informed me that she could not tell the exact reason as my acct was closed by XXXX, but said they did not have the phone number for their parent company. On XXXX/XXXX/XXXX I called XXXX to inqure further about the reason for my acct closure. XXXX denied any responsibility for acct terminations which the rep assured me was at the sole discretion of netSpend. On XXXX/XXXX/XXXX I contacted netSpend and spoke to a supervisor again attempting to obtain an understanding of what transpired with my acct. This time I was told that such information was not available since my acct was " no longer accessible '' due to its closure. When I asked for the regulatory agency responsible for netSpend operations, I was transferred to the risk management voicemail line. I left a clear message with my information. As of XXXX/XXXX/XXXX, I have not received a call back. On XXXX/XXXX/XXXX I received a check from netSpend for {$44.00}, the balance from my acct at time of closure.

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 09/13/2017 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 had a security breach where my information was leaked

Company response to consumer: Closed with explanation