milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Today is XXXX XXXX My mortgage server is Select Portfolio. In the last 6 months I have followed there direction and listened to them tell me that my Loan status is in review. I have faithfully spoken to them every week to see if they needed any additional documents or just to give me an update on the status. Every week its the same answer that I am in review they have all necessary documents and I just need to be patient. All I wanted is to save my home and I believed that the representatives from SPS wanted to really help me. Today I was served with foreclosure documents in the complaint it says that SPS forwarded my account to there attorneys office on XXXX XXXX, which means they never had intentions to help me. I called the law firm that represents them they told me there client never had intentions of helping me and laughed. I called the bank this evening and Spoke with a representative and he said to me that he felt terrible and after reading the notes on my account he cant believe that SPS did this to me.The he asked me if I could up load my legal documents to him so he could see them. I know what this bank has done is deceitful, they mislead me for months so that they could turn around and take the home away from me. What I did wrong was to trust Select Portfolio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (I do not know) with National Credit Systems,Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have written the collection agency about a fraudulent they are reporting on my credit file. I sent a dispute to XXXX and provided both agency my Identity theft affidavit along with my police report. The collection agency did not ignored my document and verified this fraudulent account to be mine and never responded to my request and dispute. they are causing me a lot of distress. I have been wrongly denied credit due to their false reporting and negligence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a detailed description of the problem saying how the collections company contradicted itself several times and among the many mistakes, the collections company had the wrong address of my person. Experian just said they updated the case. It seems they did not read the complaint to have the collections deleted. I later found they " updated '' my official credit file with the incorrect or nonexistent address from the collections company. Experian just seems like it is there to help the companies and collections and really did not read the case at all. Then they updated the wrong residential address in my credit file from the incorrect information from the collections company. The original purpose of the dispute was to DELETE the collections report because they had wrong information and made a large number of reversals and contradicted themselves several times. For example the collections account repeatedly said I did not owe any money before. This case was TOO COMPLEX for Experian to read and they punched in things in their keyboard without thinking of what it was about. They thought they were doing good work by entering a WRONG ADDRESS in my official credit file that I told them the collections company had wrong in their records. I was trying to DELETE A COLLECTIONS REPORT. That was the primary responsibility of Experian for the consumers!

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 03/24/2017 about Student loan (Federal student loan servicing) with ACS Education Services (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I obtained a consolidated student loan with ACS in XX/XX/XXXX. In the XX/XX/XXXX another consolidated all my loans again and the loan with ACS was paid in full and closed. On XX/XX/XXXX, I received an alert on credit check total that ACS had flagged my credit report with negative information. ACS decided to report my CLOSED and PAID account as CURRENTLY 120 days past due. The account has been CLOSED and PAID since XX/XX/XXXX. As you can see from the attached evidence ACS is reporting that the CURRENT status of this account is 120 days past due which is defamation and false reporting under the FDCPA. My score decreased because of this misrepresentation. I do n't currently have an account with ASC so why are they reporting a PAId and closed account as 120 days past due in XX/XX/XXXX? Please correct this misrepresention of my account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX, filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. XXXX attached. Then, ignoring payment was made AGAIN, U.S. BANK XXXX, AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit XXXX. Again, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX sued US AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. XXXX lied about getting the money and did not tell the court they got paid. XXXX lied about having received the money and filed an affidavit claiming it was still due. The XXXX believed XXXX and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but XXXX is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the XXXX employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously filed a complaint XXXX which was resolved to my satisfaction by XXXX 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding 2 tradelines. After correctly reporting these to all 3 bureaus, XXXX reverted to the prior incorrect reporting with XXXX and Transunion. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, XXXX has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).

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 06/29/2017 about Debt collection (I do not know) with ResidentCollect, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have never done business with Residentcollection inc. I do not have a sign contract with Residentcollection inc. I have the right to demand to see a signed contract between Residentcollection inc. and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NE).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am writing abo ut Navient (   XXXX   XXXX   ) . I cosigned  XXXX  loans - the first in  XXXX   XXXX  and the second in  XXXX   XXXX . The first had an interest rate of 12.25 % and the second had a rate of about 10.5 %. The total principal borrowed is {$16000.00}.   Based on the payment plan given by Navient, the first loan was supposed to be paid off in  XXXX   XXXX . To date I have paid over {$12000.00} yet Navient says we owe {$16000.00}!!!! This does not seem right. Where are all the payments going? After all these year the loan balance is even higher!! How?   The loan history report does not show the remaining balances after each payment

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (I do not know) with Telerecovery Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Telerecovery is trying to collect a debt that I do not owe. I have asked them to provide me with proof that this account belong to me and that I am obligated to pay them anything. Telerecovery has not provide me with any documents stating that I am obligated to pay this debt. Telerecovery is in violation because they are reporting a debt on my credit file that I do not owe and not to mention ( they have not provided me proof that they own this debt that they are trying to get me to pay. ) Please help in getting this debt removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I can not dispute with Equifax , all of their verification questions do not apply to me and I will NOT send my ss card and id to a random number. When i called I got a rep that barely spoke english and could not verify my identity either. They keep insisting on sending my ss card, id, birth certificate, etc to that fax number. That just seems like they are trying to steal my identity! After reading the XXXX complaints, I see I am not the only one with these issues! Please do something about this company! I am scared to say there is a serious problem with the company that is in charge of dealing with my credit! PLEASE please please do something about them!

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I receive regular checks from a person who has a personal checking account with Bank of America. I usually go into Bank of America to cash these checks. Today, XXXX/XXXX/17, I had 2 checks to cash and was told there is now a new Bank of America policy that charges the check holder, me, an {$8.00} fee per check cashed. The check amounts were {$250.00} & {$600.00}. {$16.00} to cash 2 checks? This seems like extortion to me. I find a fee to get money that is yours is not justifiable and should be illegal. Banks can make enough money from all of their deposit accounts and account maintenance fees that they should not legally be able to charge someone for cashing a check drawn upon that financial institution, especially with checks of small amounts like these.

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 07-06-2016 about Debt collection (Credit card) with Vital Solutions, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX card back in 2014. My first purchase was for a tablet. I made monthly installment payments on the tablet until it was paid in full. There has been major disputes with this company as they put me into collection for {$380.00}. This is all from fee's/interest/late payments. I 've contacted XXXX several times and I provided them with proof that they took the payments from my bank account. It was verified with 1 customer service rep that the tablet has indeed been paid in full. Another customer service rep told me I was suppose to make the payments to the XXXX not to XXXX. Regardless they received there money. I was furious when I saw on my credit report that they sent me to collection. I contacted the collection agency 's today and was told for {$250.00} they will settle and close the account. I was also told that crown assets took over XXXX. XXXX is no longer existing according to the information I received today. I explained to the collection agency that I am not paying {$250.00} for something that has been paid in full. I am also not paying for any late fee 's that were assesed to the card because I never paid late. I tried contacting XXXX today but to no success was I able to get anywhere. I was told to contact the collection agency. I told them I did that already. I am very upset with this company as this is affecting my credit score and affecting me in obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit card () with U.S. BANCORP (MA).
Issue: Billing disputes

Complaint: US Bank was dishonest with both the CFPB and myself in their correspondence dated XX/XX/2017. 
US Bank wrote " Each time you contact our Cardmember Service Department we provide a message that states your call may be monitored or recorded for quality purposes '' US Bank was dishonest with all people who call US Bank as it claims it is using recorded calls for " quality purposes '' when US Bank is allegedly using the calls for fraud investigation. If US Bank stated that calls may be recorded, that would encompass all uses, but US Bank, in writing, and on recorded lines did not make that claim and is using the calls for other purposes. 
US Bank also was dishonest with the CFPB and myself when on XX/XX/2107 they wrote " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' I can find no such records of any correspondence.

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 06-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (DE).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On  XXXX   XXXX , I called and requested to have my wife 's credit card replaced. Specifically asking not to have mine shut down because that is a huge inconvenience. The rep was refusing to assist me with this specific issue. She was rude, over talked me, kept repeating herself and refused to escalate the phone call per my request. I disconnected after she refused to assist and reached a different rep, where I was assured my wife 's card only would be replaced.     Subsequently, my wife had my card, and only my card when she was out of town on  XXXX   XXXX . While she was trying to purchase gas to get back home the card was declined. My wife had to ask a stranger for money to get back home. Extremely embarrassing and humiliating, especially when we are successful hard working people and I was assured my card would not be closed. My wife came home late and did not tell me this situation until later in the day,  XXXX   XXXX . Prior to finding out this information, I went to   XXXX   this morning to make a large purchase for my house. I had everything rang up in my cart and when it came time pay, my card was declined. Once again extremely embarrassing. I had to put everything back because that was once again my only and preferred method of payment.     I am extremely disappointed and dissatisfied with the previous service I received.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Nationwide Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Is the company who reported hard hits on my credit. I gave no permission for this and they in fact did it again just to hurt my credit even more. I had a truck that I financed through this company back in 2006, I believe. the truck had major issues about 3 months after the sale and I even paid extra for the warranty through their own place they offered. But when time to cover something they denied it and it was plain sight that that it was completely covered, so the truck sat for 4 months and sense I had no other transportation, I lost my job and the truck was a repo. Then the threats and nasty calls began for months and even 3 years later. I tried to go into their office and work something out but was met with disrespect and nasty words. So later I found out they repaired the truck and added the extra to fix the truck to my balance, bringing the total amount for a truck that originally cost me XXXX with XXXX down, up to XXXX as a balance owed on my credit report. After all the nasty letters and mean voice messages I decided to let it just ride out and fall off my credit. After the seven year marker they tried to claim they had the right to keep it on there anther 7 years. After 6 months of back and forth with the credit agencies, they finally removed the loan. But then the next month I see these hard hits on my credit from them and after a few phone calls and telling me I deserve this and there 's nothing I can do about this I pretty much gave up hope. This is why I am making this report and complaint, in hope that someone can help me out with this. and get those XXXX hard hits removed.

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 10/13/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CT).
Issue: Other transaction issues

Complaint: Several months ago, I enrolled a PayPal account so I could receive money for selling some personal items on Ebay. On XXXX XXXX I sold a gold bar in the amount of {$1200.00}, the buyer of this item paid and I shipped the item. Due to this being a new PayPal account, these funds were held for several days. After the money was made available, I attempted to withdrawal {$500.00} of these funds only to have the transaction reversed and account limited. PayPal is now demanding a large amount of personal information from me to " restore '' the account- a task that is very onerous. Furthermore PayPal wo n't respond to my Emails and continues to cite their " User Agreement ''. I am also unable to refund another buyer who paid for an item I sold on Ebay, which creates another issue. Because I can not deliver this item, nor refund it, my buyer has no other recourse to in initiate a dispute ( or possibly legal action against me ) for failing to give their money back to them. 
I feel PayPal is unlawfully holding my money for an item I sold, and will not allow me to refund a second buyer for another transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Consumer Loan (Vehicle loan) with First Investors Financial Services Group, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I refinanced our truck loan with 1st Investors Servicing Corp and never paid a late payment. Our truck value was almost a loss compared to the amount of my auto loan. I entered into a settlement ( XXXX 2012 ) to payoff off the loan at a lower amount with out impacting my credit. I worked with XXXX XXXX ( Settlement Dept ) and he even had an appraiser come to our house to value the truck. I provided the payment that was agreed and my credit was not to be impacted. I have a written letter from 1st Investors with the details. Now almost 3 years later 1st Investors just started to report to the credit bureaus late payment and a charge off status, prior to this the credit reporting was not negative. They have breached their written settlement agreement. I 'm trying to refinance my current auto loan and this has impacted my credit ratings with all XXXX agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief