milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Debt collection (Auto debt) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I have been back and forth with Prestige Financial in regards to a vehicle that was repossessed back in 2016. This vehicle was sold at auction and I never received a notice of sale. When this company sued me and ultimately was awarded a judgement against me and tried to garnish my wages. I never received notice of the original law suit or signed a proof of service. When I discussed this with the company they said that their process server did have my signature. I expressed to them that it was a forgery and the agent dismissed my concerns. I agreed to start making monthly payments with them at some point but was unable to follow through due to unemployment. I have so far made one payment to them. 
I have recently reached back out to them to try and set up a payment plan. I offered {$50.00} bi-weekly, but they are refusing to take my payment. They want {$75.00} bi weekly. I received an email form one of  their agents emailed me today and basiclly threatened me that if I do n't " voluntarily '' set up this  payment this would be my last chance. I am not sure how to take this. I am in a financial hard ship and I am doing my best to comply with them. I am so scared that they will take legal actiion and garnish my wages which will put in me a further hard ship. I cant even focus at work thinking about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Credit line increase/decrease

Complaint: Synchrony Bank has once again lowered my credit limit on XXXX of my accounts that I have with them. This time it was my American Eagle credit card. The original limit was {$1500.00} and now it is {$100.00}. Again, I have been discriminated against by this company. I will continue to submit complaints against this company and dispute their response. Again, I have never been late nor have I ever missed a payment on this account. If I have to, I will continue to take further action if necessary until I get these issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (PR).
Issue: Loan modification,collection,foreclosure

Complaint: We have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 
we have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 

I have requested the assistance of an attorney office to help investigate some issues with my mortgage, I do not believe I have signed some of the documents they claim to have due to the dates they are claiming, since I have never received a copy of my closing documents at time of closing I had mad a formal request of all documents in order to make sure my loan is correct. 

since XX/XX/XXXX the original bank " XXXX XXXX '' refuse to give me my copies of my mortgage, my X husband has been in charge of making the payments and controlling the flow of information coming from the bank, since the change of lenders I had found out because people came to the house and told me the loan was behind, but no one has been able to help us at the bank. 

the attorney was the only person able to get the account number from the SPS but has still not sent in our proof of documents. 

I XXXX XXXX and my daughter are the only ones living the house for 12 years and the house was an inheritance from my father, I ave lived there for 41 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated harrassing phone calls from this number XXXX Asking how to locate XXXX XXXX. These same harassing calls were also spread to my family and friends. They were actually for my deceased wife. This company continues to harass myself and family over a debt that was discharged due to death. Here estate is closed a matter of public record. 
After contacting a member of their customer service department she accused me of lying about this. This company is beyond irritating!

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 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Re : XXXX XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, XXXX would have notified me and I have no records of them doing that.

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 10-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working with XXXX Mortgage servicing aka Bank of America for a mortgage loan that has been in arrears ( long story, Countrywide and BOA takeover ) and we have been trying to workout for 8 years. The current status is I contacted XXXX the end of XXXX to let them know we have a homebuyer that is pre approved and wants our home to move in end of XXXX. We did not receive any response except a certified letter of FORECLOSURE for XXXX XXXX on our residence on XXXX XXXX i contacted Shellpoint and spoke with XXXX in Loss Mitigation on XXXX XXXX and she said the payoff was sent to us and that we would even get relocation assistance with the Short Sale. She gave me the name of our Point of Contact, XXXX XXXX with XXXX and said she was sending out the paperwork, I asked for Short Sale and Deed in Lieu of Foreclosure, just in case. YESTERDAY XXXX XXXX, we received the paperwork for Short Sale. XXXX XXXX called after XXXX ( I had left him another message last Friday ) and he said he did not know anything about a Short Sale, that the home is in the process of a bank sale. I told him, it is on the website that XXXX is working with the homeowner for a short sale and he said he knows nothing about it, so I am enclosing that information. We have been strung out all this time with BOA and now we have a buyer and they want to rush to Foreclosure. I have 8 years of history, where do we begin? We want the opportunity to sell and resonable time to move. Thank you so much. XXXX and 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 explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: approximately in XX/XX/XXXX i applied for credit through my local credit union, XXXX XXXX XXXX XXXX XXXX, and was denied credit due to bad credit bureau reporting from all three credit reporting agencies stated my loan officer from XXXX XXXX XXXX XXXX XXXX. my complaint is that the bad credit still looms with my recent free report from Experian. I am looking for help to improve my credit rating even though our student loans my have fallen behind in past years. The problem still follows me and am not able to get credit because of student loan delinquency in the past. Please help. 

Thank you 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 explanation
Consumer complaint received 10/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the PRA ombudsman as well with no luck. Illegal and shady practices by PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification over a year ago at M & T Mortgage Company. It was a long and grueling process, but I patiently and cooperatively did EVERYTHING THEY asked me to do, and I was approved for the modification. I made my XXXX trial payments on time, as required. Then I got the final modification documents to be signed and notarized. I did just that. I did n't notice that they were requiring my wife to sign on the documents, due to the fact that she is not on my loan nor Deed, so I did n't think I needed to look for a place on the documents for her to sign. So I signed, notarized, and returned documents to the bank, and I also continued making my payments as required. To my surprise, almost 3 months later, M & T Mortgage informed me that they have cancelled my modification because my wife did not sign the documents. PLEASE TAKE NOTE ... THEY NEVER SENT ME ANY NOTICE OF AN OMMISSION OF ANY SIGNATURE, OR IT WOULD HAVE BEEN DONE, and sent back in a timely manner. They had the documents for months and never bothered to contact me about the missing signature, instead, they went ahead and cancelled my modification, JUST FOR A MISSING SIGNSTURE OF SONEONE WHO IS NOT EVEN ON THE LOAN, AFTER I WENT THROUG SO MANY MISERABLE MONTHS TO GET THE MODIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a bill trying to collector from XXXX XXXX for a supposed sum of XXXX yet if i paid before 30 days it was only XXXX. I personally walked into XXXX XXXX, paid my last bill and closed my account before moving to XXXX 5 years ago. What was even better that the bill was sent to my mother 's address in XXXX yet my last address while living in the USA was in XXXX. Convergent Outsourcing Inc sent me the bill

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. I am a XXXX year old widow and surviving spouse of XXXX XXXX. 

We had a Reverse Mortgage but I was not on the deed, yet this was my homestead for over 35 years. 

I was forced into bankruptcy and finally given time by the courts to take my homestead through bankruptcy. 




My husband passed XX/XX/XXXX. It took Financial Freedom until this year to realizethat I was the surviving spouse although it was listed on the death certificate the entire time as I had mentioned. 




My home was flooded and bathroom damaged. I do not have a fully functioning bathroom. 

Mold is growing in my home because of this, The XXXX/Financial Freedom received theinsurance check in XX/XX/XXXX. I was told that I had to go through probate first. 

I wrapped that up in XXXX. I was told that the XXXX check was mailed out on XXXX XXXX via regular mail. 

As of XXXX XXXX, I have not received the {$2000.00} installment of {$6000.00}. I owe contractors because the job is more than the {$6000.00}, but I have started making payments on the difference. 




My home is making me sick and this matter has stressed me out beyond measure. 

I can not have my home refinanced without the bathroom completed. I have been trying to resolve this matter. 




I have spoken to numerous individuals in the point of contact department. 

I have spoken with XXXX XXXX of the XXXX have emailed his manager, XXXX appears as if I am intentionally being dragged out to wear me down towards the XXXX XXXX sale date. I do n't want to re-file bankruptcyI am contacting the OCC, AARP, The Florida Financial Office of Regulation for Insurance and anyone else who can help me. 




I am desperate. I live off of fixed income, my husband 's social security and I work to make ends meet. I am XXXX years of age and I need help. This is not fair to me. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have a 3rd party person to talk for me. When she try 's to do so the mortgage co. tells her that they have to down load the paper work she has sent them. They told her that they are still doing work from XXXX/XXXX/XXXX she sent the paper work on XXXX/XXXX/XXXX. The last time she spoke to them they said they had the paper work but ca n't talk to her till it is down loaded my sale date is XXXX/XXXX/XXXX by the time they get it down loaded there will not be much time to try to stop the sale of my home. I do n't understand why down loading paper work should take so long with the technology of today it should take a few days and not weeks to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Credit card protection / Debt protection

Complaint: My Best Buy credit card ( issued by CITI ) has been used for fraudulent purposes several times. Each time Best Buy/CITI has cancelled the card and started an investigation ( XXXX investigation of XXXX charges, totaling over {$2000.00}, is currently ongoing ). However, I do not think that Best Buy or CITI are adequately protecting my credit information/name/SS # and other identifying information. I think that CFPB should really step in and investigate Best Buy and CITI and their practices in collecting, storing, and protecting people 's identifying information.

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 05/17/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Taking out the loan or lease

Complaint: Car XXXX XXXX/XXXX/16 in which the other driver was at fault. Toyota Financial Services representatives ( more than XXXX reps ) and also in writing ( several ) stated to the driver at fault 's insurance company, XXXX, a payoff amount that was incorrect. The amount was incorrect by {$500.00}. Toyota Financial Services representative, XXXX XXXX, promised on XXXX/XXXX/16 to issue the {$500.00} to my husband and I. XXXX XXXX does not return calls and when I can actually speak with him, he promises to call back to let me know the status and as of today I have still not received the {$500.00}. He has not returned my recent calls and I believe he has pocketed this money for himself.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I wrote Transunion in XXXX and they never wrote me back. I am attaching what I sent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted Navient to let the, know I was unable to make a payment on my loan, and to see if my pay could be lowered or deferred. They placed me on hold, and the young man came back and said that they saw someone else been making payments on the loan as well. He said that I was unable to get it deferred. They stated that I would have to make arrangements with my co-signer to split the payments in half.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the detailed explanation required by Regulation X, 12 C.F.R. 1024.41 ( d ). 
also under the National Mortgage Settlement there is not a provision on the amount of delinquency or that 3 years being delinquent is reason to disqualify the file from review. The lender stated the because the Borrower applied and was denied in 2014 and they are 3 years past due making the borrower permanently barred from loan modification services. 
Pursuant to Regulation X, 12 C.F.R. 1024.41 ( h ) ( 4 ) we hereby request that you leave this modification offer open until a minimum of 14 days after a decision is made with respect to this appeal. We simultaneously ask that foreclosure be suspended in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).

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 03/16/2017 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Ray Klein Inc., XXXX Professional Credit Service of XXXX, OR. sent a writ of garnishment to a company I do business with that has no connection to the debt they claim I owe. I believe it was in retaliation for a contentious call I had with a Ray Klein Inc. employee and was done deliberately and with the intent to embarrass me. I have copies of the writ that was sent to XXXX in XXXX Ohio. XXXX is not my bank, nor are they involved in this matter at all, nor have they ever been. Ray Klein Inc. just picked a name off of my personal credit report and sent a third ( uninvolved party ) embarrassing personal details about this dispute including my social security number. 
I am not even sure that the debt that they are harassing me about is even valid. I was never served for this judgement they claim to have, nor was I notified by mail certified or other, but it sure shows up on my credit report. I think this company has engaged in illegal collection practices and I want them penalized for it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.

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 03/13/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (CA).
Issue: Unsolicited issuance of credit card

Complaint: My husband and I have had the same ( nRewards VISA ) joint credit card account with NFCU for over 20 yrs ( expiration date XX/XX/XXXX ). XX/XX/XXXX, he received a notice by mail from NFCU 's VP of credit cards ( XXXX XXXX ), saying that he had been selected for an automatic upgrade to a " VISA Signature Go Rewards Card '', and to expect it soon, in the mail. Two days later ( XX/XX/XXXX ), we received the new cards ( also with the expiration date of XX/XX/XXXX ) -- The account number under his name was still the same, as our current VISA. But the card issued in my name held an entirely new account number. 
Is it legal to reissue a new set of cards when we did n't ask/apply for them? The 'upgrade ' seemingly changes us from a joint account, into XXXX separate ones ... and the APR terms are slightly different from our current VISA. We received mailed paperwork applications for this new card in the prior months, but we declined the offers. This seems like fraud to me, even though it 's being issued from within our credit union. This should never have happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation