milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MS).
Issue: Application, originator, mortgage broker

Complaint: I have been been trying to get a loan modification for over a year, and its been between XXXX different lenders XXXX XXXX XXXX and Select Portfolio Servicing. I do n't know how and why this note is being bounced back and forth for the past 8 years. I do n't understand why this being done without giving me notification and consent if I wanted to find another lender or not. After talking with another lender, I had requested a loan modification with Select Portfolio Servicing, and there is no trace of this at the request XXXX XXXX, they have not been able to produce the modification at all. I feel as I have been railroaded, and after that I was told by XXXX XXXX that they have put a {$5000.00} lien against me, I have not missed a payment. So I 'm not sure why and how this came about. Also I requested an escrow account for my taxes and insurance and was denied that as well. I currently am displeased with both companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Please help assist me with an account that is listed on my personal credit file which I have disputed and requested validation and nothing. This is an unknown account as I have never done business with a company called EOS and do not have any outstanding amount owed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked in XXXX 2017 and waited for 5 weeks to let those affected know they were at risk. I am now susceptible to credit fraud because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX I took a mortgage loan with XXXX XXXX XXXX. In XXXX, the loan was transferred a company called, Green Tree Servicing, my payments increased dramatically after that, which is the reason I was unable to keep making payments. On XXXX XXXX, XXXX the bank, Green Tree, started a foreclosure action against my home. I tried to make arrangements by doing loan modifications ; only for being denied with no explanation or different explanations every time. The loan modification process with the bank was difficult because the bank would asked for more documentation or because it tansferred to another bank or the account number changed or the representative in charged of the file changed. It was always a different reason to successfully slow down the loan modification process. The bank, whichever company is, has not review my file properly for a loan modification. The bank has neglected 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 03/15/2017 about Debt collection (Payday loan) with Meridian Financial Solutions Inc (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company continues to call a US Government line, which no longer belongs to me and disclosing my name and threatening legal action. This information should not be given out on a public line and I have asked them to cease and desist calling this number, but to no avail.

Company response to consumer: Untimely response
Consumer complaint received 03-05-2016 about Debt collection (Medical) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The account was opened fraudulently by person unknown. I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (NJ).
Issue: Shopping for a loan or lease

Complaint: I purchased a XX/XX/XXXX Acura TL on XX/XX/XXXX at XXXX XXXX, NJ. The dealership stated that the bank charged me {$1500.00} in acquisition fees to get approved. The vehicle had some problems but I never drove the vehicle off the lot. The dealership made XXXX attempts to repair the vehicle and I told them I just wanted to cancel the deal. The owner of the dealership told me if I called the bank he was going to keep my money & the car. I called the bank on XX/XX/XXXX to cancel the deal of a vehicle I never took possession of and they told me that they could n't do anything on their end because the loan was n't in the system. The representative told me that I needed to call back in a couple of days. On XX/XX/XXXX, the dealership called me and told me the bank had sent the funds to them and they refused to cancel the deal. I called the bank to confirm this information and they told me I needed to seek legal counsel. If the dealership mislead me the fraudelent bank fees, car history, and bogus destination fees. I wonder what measures they went to get me approve and it needs to be investigated. I informed M & T Bank of fraudulent deal that I wanted to cancel and they would not assist me. I was scammed out of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I assisted a client in obtaining a reverse mortgage XXXX years ago. XXXX was new at that time and my client was a few days late on a property tax payment due to life saving XXXX she was having so the lender at that time required her to have the XXXX account. She continued to pay her property taxes on time whereas the lender/servicer XXXX was late on her payments and just included the penalty from her funds. They also held {$60000.00} of her credit line funds in an account for future tax payments. We are attempting to refinance into a new reverse mortgage without the XXXX and XXXX is not going to refund the {$60000.00} of her funds back to her. They will not change the hecm to hecm worksheet therefore, the new lender will not make her a new loan. 

They ca n't just keep XXXX funds for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: IN THE MONTH OF  XXXX  I MADE A PAYMENT FOR MY VICTORIA SECRET 'S CREDIT CARD ON THE  XXXX   XXXX ,  2017 OF  WHICH HAPPENED TO BE  XXXX  AND OF WHICH WAS A SUNDAY.     UNFORTUNATELY, THE SYSTEM WOULD NOT ACCEPT MY PAYMENT FOR THE  XXXX  AND THE PAYMENT WAS TO BE APPLIED ON  XXXX   XXXX  , 2017.      FURTHER I HAD NOT RECEIVE MY STATEMENT FOR LAST MONTH OF WHICH A PROBLEM FOR ME.     I CALLED SPOKE WITH  XXXX  REPRESENTATIVE OF  COMNEITY  BANK WHO WAS PLAYING A BARGAINING GAME WITH ME OFFERING TO ISSUE A CREDIT OF {$20.00} OF WHICH I REFUSED BEING I WAS CHARGED {$27.00}. I INFORMED HIM THAT IF I DID NOT GET MY CREDIT OF {$27.00} I WOULD FILE A COMPLAINT WITH THIS AGENCY AND HE LAUGHED AND EVEN WHEN I REQUESTED A SUPERVISOR.     I THEN SPOKE WITH A SUPERVISOR WHOM I EXPLAINED THE WHOLE SITUATION AND SHE APOLOGIZED AND INFORMED SHE WOULD HAVE THE CALL PULLED AS IT WAS RECORDED OF WHICH WAS NOT INFORMED THAT THE CALL WAS BEING RECORDED OF WHICH MADE ME MORE UPSET.     THE SUPERVISOR INFORMED ME SHE WAS GIVING ME CREDIT OF {$27.00}.     I ALSO REQUESTED THAT SHE CHANGE MY DUE DATE FROM THE  XXXX  TO A LATER DATE AND SHE REFUSED STATING THAT COMENITY BANK ONLY ALLOWS  XXXX  DUE CHANGE PER YEAR. IN ALL HONESTY THIS IS WORNG BEING DUE TO SOME FINANCIAL CHANGES ON MY END I NEED TO CHANGE THE DUE DATE SO THAT I WILL NOT HAVE TO INCUR LATE FEES. IF COMENITY BANK REFUSES TO CHANGE THE DUE DATE THEN I WILL NOT BE HELD LIABLE FOR ANY LATE FEES IF I AM LATE WITH MY MONTHLY PAYMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Debt collection (Medical) with Kings Credit Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Kings Credit Services was paid in XXXX of this year for an old debt ( originating around 2010 ) earlier this year that was listed on my credit report as a result of a stipulation for qualifying for a loan to purchase a home for my family. In XXXX they served me and my spouse with a summons that they are suing us for additional old debt they found after they received the a check for the original listed debt. This collection agency never contacted us regarding any debt owed to them, nor attempted to collect it. The old debt was discovered by my lender on my credit report. Since paying them the collection agency has since filed a suit against me and my wife to collect additional old debt, ( approx : {$2500.00} in old medical services ), and in XXXX of this year listed the additional old debt from 2010 with credit reporting agencies, resulting in negative affects with our credit score. My question is if California has a statute of limitations on debt collection related to actions a creditor can take, how are they able to sue a time barred debt, and is n't that against the law? Not only that, the documents related to the medical services they sent me do n't match the amounts listed on the court summons for which they are suing me for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with CITIBANK, N.A. (MS).
Issue: Credit card protection / Debt protection

Complaint: My wife and I made purchases on a Best Buy Credit Card account. In XXXX charges were added monthly based on our carried balance for " XXXX XXXX XXXX XXXX. '' We did not knowingly purchase this service, and the total amount charge was approximately {$1500.00} over the period from XXXX XXXX, XXXX through XXXX XXXX, XXXX. We asked for a refund of these charges when we became aware of them in XXXX, but Best Buy Credit Card refused to refund these charges. We believe these charges are not proper, since we did not purchase the service knowingly. We did not realize that the charges were there until my mother-in-law reviewed the credit card statements with us.

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 07/27/2015 about Debt collection (I do not know) with Maury Cobb, Attorney at Law, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past six weeks I have been receiving daily automated calls from " The Law Offices of Maury Cobb, a debt collection .... ''. The calls are coming in from multiple local phone numbers in spite of the fact they are located in Alabama. The calls also do not ask for anyone by name ; only that their call is returned to XXXX. I do not have any debt, whatsoever, that is in collection, therefore do not find any reason to " return '' their call. 

Upon further research into this individual/organization, I have found overwhelming information that leads me to believe this is purely a scam if not outright fraud by an individual that has purchased some very old debt, often times debt that was discharged in bankruptcy or long past being collectible under the Fair Debt & Collection Practices guidelines. I also find these phone calls odd as I have never received anything in writing about anything that even resembles outstanding debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: We rented a car from XXXX from XXXX/XXXX/16 to XXXX/XXXX/16 charging onto CapitalOne Credit Card. On XXXX/XXXX/16, XXXX sends me a letter stating we incurred speeding ticket while using their car and plans to charge my credit card {$110.00}. When I asked XXXX for a copy of the violation, XXXX refuses to send me a copy of the ticket for verification. When I contacted CapitalOne Credit Card to dispute these charges until I can receive proof of such violation, CapitalOne mailed me documents from XXXX claiming that XXXX had provided proof of the situation. However, the documents I received were car rental agreement plus a copy that is illegible. Still no documents/proof of XXXX 's Claim. Despite the fact that I faxed CapitalOne email documentation from XXXX traffic agencies in XXXX all confirming NO traffic violations exists based on the rental car 's license plate, CapitalOne considered this case closed and charged me {$110.00}. My repeated efforts to obtain a copy of the alleged traffic violation from CapitalOne and XXXX so I can verify the validity of XXXX 's claims were useless. CapitalOne rather help a XXXX XXXX XXXX to Scam me {$110.00} instead of protecting a consumer whom they figured wo n't be able to sue a credit card company. Laws need to be changed so consumers are not forced to waived their rights to sue a credit card company in order to obtain a credit card. WHAT A SCAM!!!! I will be posting this scam on social media ( XXXX, XXXX, XXXX, etc ) to alert all my friends to avoid CapitalOne Credit Card and using XXXX XXXX Rental unless these XXXX companies are willing to resolve this matter with me by sending me a legible copy of the traffic violation. After this matter is over, I will CANCEL my capitalone credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I subscribe to XXXX XXXX XXXX XXXX services so that I may pull my credit reports twice monthly. I attempted to pull and generate a " Printable Report '' on XXXX/XXXX/2016 and that report would not render correctly or completely. XXXX XXXX XXXX XXXX stated other customers are having the same problem. The problem seems to be the XXXX XXXX XXXX XXXX report rendering process as the XXXX/XXXX/2016 report I pulled and saved to my file system displays properly but attempting to redisplay on the XXXX XXXX XXXX XXXX site does not render the report correctly or completely. XXXX XXXX XXXX XXXX states this is an Experian problem but they have no way to obtain a problem resolution status or expected problem resolution date from Experian. Experian sent me a email saying they are working on the problem, but have not provided any updates. Attempts to respond to Experian 's email result in mail rejection due to a full inbox. Bottom Line is XXXX XXXX XXXX XXXX states they have no way to resolve or communicate with Experian technical support and there is no way for me to contact Experian technical support.

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 01/28/2018 about Debt collection (Medical debt) with Medical Business Bureau (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In late XX/XX/XXXX I received multiple calls from Medical Business Bureau stating that they were trying to collect a {$93.00} debt from XXXX Hospital. I informed them that 1. They never mailed out anything in writing and 2. Based on what they communicated the debt was not my responsibility. I requested information about the dispute process, I verbally stated that I was disputing the charge and I mailed official dispute in writing a couple days later. After that I never received verification of the validity of the debt. On XX/XX/XXXX I found out that in spite of my dispute this company had notified both major credit bureaus and this collection now appears in my account. The dispute is less than 60 days old, there has been no investigation of my dispute, no written verification of the validity of the debt as required by law, and no further update from this company. They knowingly reported an account that was in active dispute status. I am requesting immediate removal from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: A manager at Citibank in XXXX, CA offered me XXXX different promotional bonuses ( XXXX bonus of {$800.00} and a XXXX bonus of 5 times the current interest rate ) if I opened a checking account with {$100.00} and a savings account with {$200000.00} and kept the money in the accounts for 90 days. ( She also talked me into applying for a Citigold Double Cash Reward credit card and told me it was a Visa card, which I needed. When I received the credit card, it was a MasterCard, not a Visa card. ) After the 90 days, I finally received the XXXX bonus of {$800.00} but the branch said they had to file a dispute for the XXXX bonus. I spent over a week visiting the branch and calling Citigold 's customer service number multiple times, and was given XXXX completely different reasons why I had not received the XXXX bonus. The branch manager finally told me that the manager who opened my accounts made a mistake telling me I was eligible for both bonuses and refused to honor the XXXX bonus even though she agreed it was their manager 's fault. I could have complied with XXXX the other XXXX reasons why I supposedly was not eligible for the XXXX bonus, but after speaking with the branch manager, I closed out both of my accounts since it seemed fruitless to pursue the matter any further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2017 about Debt collection (Other debt) with BTH Management (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a PLAZA SERVICES There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Hello All, I recently learned of the negative impact hard inquiries had on credit score so I checked my credit and realize that there are several hard inquiries on my credit report that posted in XXXX2016. I called both Equifax ( spoke to XXXX emp # XXXX ) and XXXX ( spoke with XXXX XXXX but refuse to give me emp # ) to have inquiries removed for reason that I did not apply for credit with these companies but they will not take my word for it so now my only option is to come here and see what help I can get in resolving this issue. Thank you in advance for your time and consideration on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Private student loan debt) with Capital Management Services, LP (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, I submitted a reply to Capital Management Services , LP 's letter received around XXXX XXXX of XXXX, regarding their intent to resolve a delinquent debt of XXXX. This debt was charged off by XXXX. I recall working with Capital Management Services in the past around XXXX, I believe. Then I was XXXX. The debt then went to another collector from somewhere in Texas. The name of the company was XXXX XXXX XXXX XXXX XXXX I was contacted by them around XXXX in the spring. I requested a verification of debt letter. Instead, it appears after two years, they passed the debt back to Capital management. So, this was when I submitted the debt verification letter to Capital Management. They acknowledged receipt of the letter. I have taken pictures of the certified letter I sent. But instead of responding back to me, they contacted my co-signer and told them I was not willing to pay and demanded the full amount from them.

Company response to consumer: Closed with explanation