milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a HAMP modification with XXXX in XX/XX/2016. They asked me for additional documents and we went back and forth until XX/XX/2016, at which point, they stated that my application was completed and they will review it within 30 days. Approximately 2 days later, I received notice that XXXX transferred my mortgage to Select Portfolio Financing. They assured me that my HAMP application will be reviewed by the new services. SPS received the application and began asking me for new documents. Each document took a week to process. They only asked for a document at a time, which took weeks. By XX/XX/XXXX, I began worrying that I might miss the HAMP deadline ( XXXX ). I called SPS repeatedly and was reassured by their representatives and a supervisor that since I turned in the actual HAMP application in XX/XX/XXXX, I will still be eligible for consideration. During this time, my tax extension that I sent in with my original remodification application expired ( as they usually expire in XX/XX/XXXX ) and SPS asked me to turn in my XXXX forms ( this was on approx XX/XX/XXXX ). This was the last document they needed. I turned that in in the XX/XX/XXXX, which was the soonest I could do so. 
Today, I received notice that SPS has approved me for an in-house modification, but not for HAMP. The reason stated by their service rep, was because I 'missed the HAMP deadline '. I find this utterly ridiculous after being constantly reassured that I will be considered for HAMP and after having applied for it in XX/XX/XXXX. I 've done everything I could do to comply with XXXX and SPS 's documents requests. I 've invested so much time in calling them, faxing them and uploading documents. I took a proactive approach and checked in with them every few day ... only to be told that I missed the deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX-XXXX-2017, I was denied a special 12 month no finance credit card from XXXX with XXXX XXXX to purchase a computer, printer, and software totaling {$1100.00}. I was only offered a credit card with a yearly fee. After receiving letters from XXXX XXXX explaining why I was denied credit based on Experian 's credit report, I discovered the reasons did not match my credit reports from all XXXX credit bureaus.
I have a high score, have never been late on a debt, never missed a payment on anything I owed, yet was denied credit. I have written the credit bureaus to remove accounts that are not mine, and have attempted to contact XXXX XXXX to no avail. I did let the store manager know of this situation, but no steps were taken to resolve this issue.

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 12/25/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Starting on XXXX we began receiving automated calls from EOS-CCA instructing us to call them regarding an outstanding debt. No details were provided in the call, only an XXXX number to call. We have not received any alternate communication with details of the claimed debt. The calls were at least daily until recently when the frequency of calls has fallen to around one per week. Our home number is listed with the FTC Do-not-call list and I do not believe we have any pre-existing business relationship with EOS-CCA. 

From a review of our credit reporting it does not appear EOS-CCA has reported this debt any of the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NV).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXXXXXXXXXX {$630.00} being held illegally I am not sure of the date exactly but at some point early in XXXX 2017 PayPal put a limitation on my account. I was unable to remove my money from their website anymore. They have not given me any indication as to why they did this except to review the User Agreement. Well since then I allowed them to hold it for 3 months since that is plenty of time for any buyer complaints or refund requests. I called them to try to see if they would grant an early release and they refused to. I am now seeking assistance to have MY MONEY released to me considering that they are not a bank they are not allowed to hold money for this amount of time. There are no more disputes, refunds, complaints at this time and there is zero risk for them to release my money except their own financial gains. I will also be contacting Congressman XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of the SEC, the Department of Justice, The Federal Trade Commission, and Filing a Complaint with the BBB. They have taken advantage of way to many people in this same matter day after day. They should be forced to change their policy to 90 days as that is well past the deadline for people to be able to return or request a refund anyway. They have been given to long of a leash and it should be reigned in. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Managing the loan or lease

Complaint: Dear Consumer Financial Protection Representative, My complaint number is # XXXX. Since filing our complaint to you, there has been more errors made on the Citizens One Auto Finance PAYMENT HISTORY SHEET FOR US, that Citizens sent to us.. They are still stating that certain payments have not been made. Now they have XX/XX/2015, and XXXX 2015 also as not paid by us. XX/XX/2015 payment they have as not paid we already told you about. I am attaching the BANK STATEMENT RECEIPTS FOR THESE PAYMENTS THAT WE MADE. ALONG WITH ALL THE PAYMENTS THEY SAY WE DID N'T PAY. AND BANK RECEIPTS AGAIN. They need to adjust principal balance, Remove late fees and clear false credit reporting that they have made. I am also including where they started to charge late fees when was not owned. Please look at sheets. Thanks .Our payments are {$480.00} on the XXXX of the month with a 10 day grace period following the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for 13 years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over 15 years ago and I again told him, I did n't have that card and certainly did n't have one that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was Asset Recovery Solutions, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with Bliksum, LLC (SC).
Issue: Struggling to pay your loan

Complaint: On XXXX I borrowed XXXX The loan carries an interest rate of 139 % and an APR of 139 % even though the loan is XXXX it is XXXX credit cost but if it 's paid monthly throughout contract, payout will be XXXX. I have borrowed from this company on 2 other occasions fortunately paid it of within a few months. My husband lose his job at the failed XXXX XXXXXXXX in SC along with XXXX other employees.I am wondering how companies are allowed to charge such outrageous interest rate There other pay day loans I am dealing with and have dealt with such as 1- The XXXX XXXXXXXX 2- XXXX XXXX 3-XXXX, They all are outrageousluck over rated. 
Thank You XXXX XXXX I

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (I do not know) with Penn Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I advised Penn Credit Corporation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XXXX XXXX I do not owe any debts. I also advised them I am on the do not call list. They promptly ignore me and challenged me to report them to the FTC/CFPB. They say that my reporting on them will accomplish nothing and they will continue to call my XXXX numbers. XXXX and XXXX. They are now using spoofed numbers with a XXXX area code in addition to the XXXX XXXX numbers they harass you with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Medical) with American Credit Bureau, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt of {$100.00} was paid in full to the dentist that issued the collection. Once I saw that it was a {$0.00} balance reporting on my credit report, the collection agency said if I would 've paid it with them, I could 've had it deleted from my credit report, but since I paid it in full with the medical company, I could n't remove it. I contacted the dentist and they said that their policy is once paid, it will be deleted. The debt was paid and has a {$0.00} balance and I would like it removed from my credit report. Once I contacted the dentist they confirmed that it should be removed and they would be calling the collection agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with Fresno Credit Bureau (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Creditors Bureau USA acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR).
Issue: Fraud or scam

Complaint: I sent  XXXX  different transfers to a fraudster   XXXX   me. I sent  XXXX  on  XXXX  and  XXXX  on  XXXX . I used moneygram and they said they could not refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is refusing to have an in-person meeting pursuant to XXXX XXXX to which XXXX XXXX is entitled. Additionally, Bank of America has failed to accurate report XXXX XXXX 's payments to the credit reporting agencies. Bank of America has misapplied or failed to applied XXXX XXXX 's monthly payments accurately and is therefore causing XXXX XXXX 's account to be wrongfully in default and has wrongfully initiated a foreclosure when the account is not in defaulted status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other fee

Complaint: I have been a cardholder for 16 years. The initial terms included a XXXX/mo membership fee. Over the years, I have asked if they can remove the fee. They have said not at this time, we have no offers for you. Keep checking. Today, XXXX/XXXX/16 I got a supervisor who said the same thing. I asked since I 've been a long standing customer if she can change the terms. No, there would have to be an option to upgrade on my account. I asked her to check the file if there have ever been opportunities that I missed. She said no there have n't been. I said then I should just close the account. She said check with a financial person on how closing a long term account will affect my credit rating. So, now I am held hostage to this account. Over the years, it 's been {$960.00} in fees. If I close it, it will lower my credit score. It 's not right. The supervisor said there is no one above her who can make an accommodation. Only option is to write a letter through the post to the general correspondence department and ask them to change my terms. No phone number, no name. The terms were agreed to when I opened the account 16 years ago and they can not make a change. I would close the account, except that I know it will affect my excellent credit rating. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 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: Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ;  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: They are giving our account to a company named XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX, for servicing. This company is being sued by so many people because they are ruining their credit and everything else. I do not want this company servicing our account. We have filed a complaint here on XXXX XXXX, 2017have not heard from Bank Of America, and when I do speak to them they say that they can not stop this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.

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 04-03-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The Equifax credit report is WRONG! My name is wrong, XXXX of the addresses is wrong ... Part of the report 's information is mine and the rest is someone else 's. I believe the Equifax mixed a portion of my information with a portion of another guys ' ... When I try to file dispute they keep telling me my information is wrong ... Of course it will be " wrong '' because they got my information wrong in the XXXX place. I have no other ways to dispute this but to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Disover bank has threatened me with a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Money transfers (Domestic (US) money transfer) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2016, I received a call from the Fraud Department for XXXX Bank XXXX notifying me of a fraudulent attempt to open a bank account in my name with my stolen personal information. After speaking with them, I immediately called XXXX Credit Reporting and froze my credit report accounts. 
On XXXX XXXX, 2016, I received written notification from XXXX, an on-line bill pay service provider in XXXX, OH, for XXXX Bank, that an on-line bill pay service account in my name had been frozen due to the fact that XXXX could not withdraw funds from " my '' XXXX Bank account in order to make payment to another financial institution. They said my on-line account had been frozen and gave me transaction details involving Firstmerit Bank in XXXX, OH. I have never done business with XXXX Bank, XXXX or Firstmerit Bank. I called XXXX and notified them of the fraudulent activity and they, in turn, told me to call Firstmerit Bank, which I did on XXXX XXXX, 2016. When I attempted to call Firstmerit Bank, they proved to be extremely uncooperative and explained that since my name was not associated with the account number provided, they could not discuss anything with me. I told the Customer Service Representative that I did not want account information but only to notify their Fraud Department of fraudulent activity associated with this account. I asked to speak to someone in their Fraud Department and the Customer Service Representative said they did not have a fraud department, which is incorrect. I asked to speak to a supervisor and when I asked that, she forwarded me to their fraud department, where I was only able to leave a voice message. They have not returned my call. 
I have filed a criminal report with the XXXX XXXX XXXX Department and the situation is currently being investigated. I wish to file a complaint against Firstmerit Bank for refusing to help resolve this situation.

Company response to consumer: Closed with explanation