milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with Core Advisory Group, LLC (MT).
Issue: Settlement process and costs

Complaint: I received a very official looking sealed letter that said final attempt and when I opened it, I was informed that I might qualify for a very low interest rate and to contact the phone number provided. So I called them approx XXXX XXXX and talked to XXXX from Core Advisory who ask me a few questions and then told me he would get back to me within 24 hours to see if I qualify. The next day he called to inform me that I qualified and that they have 100 % success rate against XXXX. That they would be able to get me into a 40 year 2 % and help me get my divorced wife off of the note. They would take either XXXX payment of {$4000.00} or XXXX payments broken up into {$2800.00} + {$1900.00}. I checked out their website and listened to many of the testimonials on that site, and was sold on their services. I agreed to have a notary come to my house on XXXX XXXX to sign paperwork explaining that they would get started right away and that it would be faster and cheaper to pay the full {$4000.00} up front. Plus a {$160.00} notary signing fee. I was told that they could stop my pending foreclosure on XXXX XXXX, within XXXX to XXXX weeks after I sign the contract. I received a call and email was ask for my XXXX account number a week later by phone, I was told by XXXX that she should be getting paperwork back from XXXX within a week. While XXXX weeks went by I found out that there is all kinds of free help online and that Core Advisory is not licensed XXXX, along with all kinds of complaints and even a judgement XXXX. Then I researched even more and found out that it is illegal to take fee to restructure or modify a loan. This prompted me to request a refund and after several requests they finally understood I did not want to be sold on using their services any longer. Then they sent me paperwork for supposedly requesting my money back but it listed a company whos registration had expired. This prompted me to file this complaint, as I can see by the wording of the document and the complaints I have read about Core Advisory group services. They are not a legitimate company and do not have the proper credentials to help me with my situation.

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 10/19/2017 about Debt collection (Medical debt) with SKO Brenner American, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Following letter mailed to SKO Brenner XX/XX/XXXX, with account numbers, dates and dollar amounts, together with supporting documentation. I was never sent a past due notice ( which the payment was not nor notified the invoice was being turned over to a collection agency : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Re : XXXX-XXXX, XXXX account # Dear Sir, I am responding to your collection notice regarding the above referenced debt dated on XX/XX/XXXX. The debt identified in the notice was XXXX-XXXX, XXXX, Account # in the amount of , and referenced client #. 

I do not owe the debt and have enclosed the copy of the wire transfer from my personal checking account for $ to XXXX-XXXX, in addition to, the portion of my personal bank account statement verifying the payment cleared my account on XX/XX/XXXX. I do not owe for the debt you that you are attempting to collect. 

Please record that I dispute having any obligation for this debt. If you have reported this collection of debt to a credit bureau, I require a copy of the completed correction in your reporting submitted to the credit repository ( s ). 

Thank you for your cooperation. 

Sincerely, Cc : XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX Colorado Attorney Generals Office Enc.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: GC Service is being completely unreasonable. 

My husband and I were traveling around XXXX XXXX, 2015 on a 6 week trip. He became sick and we needed cell phone service that worked where we were. XXXX did not work. We had to switch carriers. When I called to cancel service I asked what I owed and was told there was no final bill available. However according to your company, on XXXX XXXX, 2015 a final bill was sent. We did not receive any final bill and it went to collections in just XXXX60 days!! We did pay immediately when we found out about it. 

Paying did not help my XXXX scores XXXX single point. this is very unfair. It never would have XXXX to collections if I had received a bill as I would have paid it. 

This is the ONLY negative item on my credit report and it is preventing business lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with U.S. BANCORP (WA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: There are two parts to this issue. 1st : Fraud on my bank account while I was hospitalized. The bank had sent me a new debit card & it was stolen from my mail box. Whoever, also scanned in fraudulent checks for deposit & then used that money to run my card. All fraud activity was done onXX/XX/XXXX & XXXX, XX/XX/XXXX on my debit card ending in : XXXX. The total including overdraft charges equaled {$780.00}. That amount was deducted from my S.S. direct deposit of {$1000.00} on XX/XX/XXXXleaving {$260.00} cash of MY funds. 2nd : Seeing that the {$780.00} had cleared, I used the NEW debit card, ( ending in XXXX ) the bank sent me when I reported the fraud to pay my phone bill of {$32.00} on XX/XX/XXXX. The XXXX was withdrawn on MY funds yet on XX/XX/XXXX the bank reversed that charge. The bank had made an error, including that charge in the fraud case. The person I talked to said that they had a right to recover their provisional credit? XX/XX/XXXX they deducted that amount from my acct. & so my acct went into OD again..now I am in collections for $ XXXX- all OD charges because of their error! They said that I either initiated, took part in or benefited from the original fraudulent activity! I most certainly did not! I am XXXX yrs and in bad health. I need my S.S. I have a mountain of paperwork and I cooperated with their requests. Can you help me get out of collections and get the money they took from me? Thank you.

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 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was a discrepancy in the family as to who was paying a XXXX XXXX bill in XXXX of XXXX. After some deliberation, in XXXX XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX/XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by either the XXXX XXXX or another entity, not ourselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: All our loans were consolidated, or so we thought. When I called for a pay off amount in XXXX XXXX, I was sent via email a pay off amount, which was paid to the Department of Education on XXXX XXXX, XXXX, in an amount of approximately {$390000.00}. We received a paid in full notification. In XXXX, XXXX, I received a " welcome letter '' from Fed Loan Servicing saying that I owed {$8000.00}. With the Ombudsman Group and a Fed Loan Servicing agent, I was told the pay off amount was {$7600.00} which was paid off as part of legal proceedings on XXXX XXXX, XXXX. In XXXX XXXX, I received a called from Fed Loan Servicing saying that I now owed {$2900.00} -- I asked that the Ombudsman Group and Fed Loan Servicing supply me with how this could be because I received another letter on XXXX XXXX, XXXX that once again my consolidated loans were paid in full. There was no documentation that could support this claim and this battle would go on for nearly two years. On Thursday, XXXX XXXX, XXXX, I placed a called to a rep who is working on this for me and she told me that I did owe the monies and that I owed interest in the amount of {$400.00} and would try to get the interest written off. I should state that I had to place all the calls and I have documentations to this effect. Today, XXXX called me ( XXXX XXXX, XXXX ) to now say that I owe {$18000.00} plus 4 years of interest because of some consolidation error and interest rate mischarges on behalf of XXXX and Fed Loan Servicing. I have tried for over XXXX years now to pay off my student loan debt but I am unable to. Yet, I keep owing interest even though Fed Loan Servicing for the last two years is telling me that they are looking into it. I can not afford the {$18000.00} owed ( if I owe it ). I would need a complete recap of what exactly went on with my account. I do n't know where to turn to. The schools were XXXX College, XXXX XXXX XXXX College, XXXX College and XXXX University XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with Law Offices of Robert J. Colclough, III (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Around   XXXX   of this year, I pulled my annual credit reports and noticed a collection on my   XXXX   report. The amount at that time was for around {$3500.00}. I disputed this immediately with   XXXX   and also sent a debt validation notice to this company. I have not received a response from the company as of today. I have also disputed this collection twice with  XXXX . Both times the collection account as went up in amounts. This is a very unfair practice of not validating debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: In 2013, my Scottrade XXXX and Scottrade Bank account was hacked. Somebody accessed my account and initiated over {$800000.00} of ACH transfers which were then used to trade stocks at enormous losses, essentially buying stocks in my account at a premium while another account was selling them. 

Long story short, Scottrade refused to acknowledge the fraud and blamed me responsible, as a result of Scottrade 's failures I conducted research into Scottrade 's security systems and subsequently warned them in the Summer of 2013 about the database vulnerabilities that Scottrade recently acknowledged after two years of doing nothing. 

Bottom line, Scottrade 's management has death ears when it comes to hearing customers complaints and suggestions - and as a result XXXX XXXX customers are now at risk of identity theft and fraud. 

If you are curious about the complaints against Scottrade and want proof that Scottrade was informed of their security failures please feel free to XXXX " XXXX Scottrade '' or submit Freedom Of Information Act requests to the SEC requesting all complaints against Scottrade. 

My XXXX cents, steer clear of this company and its employees.

Company response to consumer: Closed
Consumer complaint received 09/29/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX 2017 I received an alert that a collection had been added to my credit profile. When i logged in, a collection account listed under DCI appeared on my credit report. Based on the information XXXX is the original creditor. I have never received notice of such debt and immediately disputed the account and requested validation of debt. My rights have been violated under the FCRA. I am allowed the rights dispute debt before it is placed on your credit profile and I was unable to do this. Also to my understanding several notices must be sent. I only received one and that was after it was placed on my credit profiled. I then emailed the company and disputed the debt asking them to kindly remove until investigation has been completed. Which again I have the right under the FCRA. This has not been done and I feel like this whole thing has been handled unfairly and not according to guidelines set by the FCRA. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account is not mine. Its been removed from credit reports and reinsert back to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: First Federal Credit Control is attempting to collect three past due amounts in duplicate. They have submitted duplicate entries to XXXX and XXXX, showing I owe twice as much as I currently have been making payments on. They first reported the amounts on XX/XX/XXXX and then repeated the amounts as separate entries on XX/XX/XXXX. First Federal Credit Control needs to correct their mistake on both XXXX XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Taking out the loan or lease

Complaint: I applied for the loan on XXXX XXXX 2015 and a deposit was made on XXXX XXXX 2015 through XXXX Installment Loans. The company stated the effected date was on XXXX XXXX 2015 and also stated " I may get funds earlier ". The effective date obviously was on earlier. They requested an electronic signature before the funds were available and made the deposit before I could refuse the loan the next day. I then received notice of payment on XXXX XXXX 2015 for payment on XXXX XXXX. A payment on XXXX XXXX 2015 was deducted from my bank account by XXXX Installment Loans. The " Terms Agreement " was not received to my knowledge during the deposit or signature. I opened my account information and it was available at a later date on there website. I have read about the company being a scam and it 's legitimate that they backed out of their own contract. The interest is over what the government would allow. It 's at 800 % interest and they have my SSN, bank info, and work info.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I purchased some shop equipment from a company and never received anything in over a month so I disputed the charges on my card. They have not reversed the charges or credited my card yet. They keep saying they are investigating and it takes 60 days. I can not purchase new equipment because they have not reversed the fruadulant charge.

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. This 's my 3rd complaint. I have 2 police reports on file with the XXXX Police Department and XXXX XXXX Police Department and have sent 2 police reports with the case numbers listed to XXXX XXXX, XXXX and Experian in regards to the following fraudulent and unauthorized collection/charge off account and hard inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX-Branch, XX/XX/XXXX. The collection accounts and hard inquiries are all fraudulent and do n't belong to me. I have never had an account with XXXX 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 non-monetary relief
Consumer complaint received 03-11-2018 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: There are many mistakes appear in my report without my understanding.

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 06-12-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: On  XXXX  I filed a claim with the insurance company  (   XXXX   XXXX   XXXX   XXXX  ) which handled the insurance for  Select Portfolio Services Inc  .  the funds for the damages where sent to  SPS Inc.and  my name., seance  XXXX    XXXX  , I have tried to SPS realize the funds to fix the dueling but as today is been a run a round., I have spoken to the loss draft department with  XXXX   XXXX  to this number  XXXX  she has requested contracts, inspections etc. all has been done but she does not realize the funds to fix the house.,  Claim  #  XXXX   Loan  #  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

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 03-02-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have fallen into a financial hardship after my husband passed away, My income has fallen and i fell behind on my mortgage and have not been able to bring my account current, i have submitted a complete hardship/modification assistance package on XX/XX/2017 and SLS is refusing to review me for any sort of modification assistance, I dont know what to do and i am afraid of loosing my home. I called SLS after i submitted the file on XXXX and they confirmed me that they received my modification assistance package and they even requested additional documents to review my file. i have been following up with SLS every day after submission and they have stated that the modification is being reviewed. after a week of review SLS has led me to believe that i was being reviewed on XXXX SLS stated that they will not review me for a modification. For the past week I was informed that i was being reviewed by SLS now with only 9 days to the sell date of my property SLS wants to proceed with the foreclosure. SLS is doing everything possible to sell my home and not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (KS).
Issue: Loan modification,collection,foreclosure

Complaint: In the XX/XX/XXXX Caliber Home Loans bought my loan from XXXX, my husband had lost his job, we were in the middle of a modification, Caliber granted that in XXXX of XXXX. We made three or four payments, I had to miss work due to an illness, my husband was ill and therefore we got behind on our mortgage. I applied for a modification on XXXX XXXX, XXXX, the rep told me it would n't be a problem, well, this is when the nightmare began, they denied it saying we did n't have a hardship, they had already given us a mod this year, and we did n't have enough income, they had his income down wrong. The rep also told me not to make a payment in XXXX. By this time I am behind 4 months, I had received a breach letter, it was due to expire in two days, they set me up on a payment plan for {$3200.00} down and {$2700.00} a month for two months after that, they told me they do n't stretch it out for six months. I was approved for that plan, I called back, a lady told me you do n't have to do that plan, appeal the modification they denied, and I will take a payment over the phone on the XXXX of XXXX, I got a card in the mail that said they were taking out a payment, I had already sent a check, I had to stop payment on the check, so they did receive a payment in XXXX, I called back in XXXX, now they 're telling me they denied the appeal, they ca n't take one regular payment because the breach letter expired on XXXX XXXX, I have been turned down for any type of repayment plan because I make too much money or not enough, I applied again for a modification, I was turned down again, they keep wanting paycheck stubs, I send that, then they want me to sign them. It goes on and on, I am writing to you because I saw in your letter they have to give you six months to stretch out the loan, if that 's the case why ca n't they take what I owe and divide it by six??? They keep threatening foreclosure, they wo n't give me modification, the down payment is very high, but they tell me they do n't want the house. I am XXXX years old and have been a XXXX for 34 years, will someone please stop these people and help me get a modification or a payment plan where I can keep my house!

Company response to consumer: Closed with explanation