milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage Acct # XXXX which was sold/transferred to SPS from XXXX was approved for a modification prior to the transfer. 
Throughout this transfer there has been a lot of confusion for me due to the timing of the transfer and the manner in which it was handled. I have been advised that the terms of the XXXX Remodification should have been honored by SPS, Select Portfolio Servicing, and that changing the terms is unethical and illegal. 
The mortgage terms in the documentation from SPS are nothing near what the terms I received from XXXX are. 
Please review the attached document from XXXX with the terms that I agreed to. 
I completed my trial period payments as agreed and I presume that the original terms are binding. I also understand that XXXX did not include the documentation for the remodification until I made it known to SPS and made a request that they be sent over. I will be advised by an attorney as to what my legal rights are in this matter. 
Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello My Name is XXXX XXXX, I bought a used car XXXX XXXX on XX/XX/XXXX from a XXXX dealer called XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, IL XXXX. 

I checked the car ( XXXX XXXX ) outside the dealer and it had lot of issues and tried to return it by the first month but the dealer convinced me that they will do a huge discount on it, thats why my loan started after 6 months since I bought it as compliment from the dealer to me, but later on I was behind for one time and the car was broken, I fixed it and paid more money so I was late gain in my payment one more time but not consecutive, I went back to their web site as I used to pay the payment that I missed I could n't find the car account on the website, I called them they said they want to take the car because they are doubting my ability to pay and they will put it into auction. I called them again and again to take the money for it and every time they say ok we will tell you how much exactly since we don ; t have the full payment on it because other dep. involved in it since I 'm paying for another one from the same dealer and have no issues with it. 

later on I was out using it and I could n't find it, they towed it without my notice at a private area XXXX in XXXX XXXX, and moved it to the auction without my consent and sold it for pennies, I was owing XXXX on it since the dealer scammed me and did n't lower the price a penny, now I do n't know how after they sold it without even calling me or send me any mail or email I still owe them $ XXXX. 

I found them made a charges on my credit file while they did n't contact me by any mean, I have been trying to call the creditor that on my credit report file but they have a wrong phone number for a summer camping resort! I called the dealer that this is wrong and I 'm welling to delete it and pay installments but unfortunately every time I call the dealer they transfer me and they hang up on me. 

creditor data as on my credit file from credit wise ( screen shot ) to prove is attached by wrong number

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Medical) with Credit Bureau Collection Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Our XXXX year old XXXX boys were being seen by speech therapist at XXXX XXXX 's hospital in XXXX Ohio. Our healthcare provider ( XXXX XXXX XXXX ) began paying for the treatment for the first 6 months. Suddenly, XXXX XXXX XXXX stopped paying for the speech therapy sessions. We were contacted by the billing department of XXXX XXXX 's Hospital of an outstanding debt. When we contacted XXXX XXXX they claimed that XXXX XXXX XXXX XXXX had never received authorization to provide XXXX to the boys. In addition, XXXX XXXX alleged that the contract with my employer had changed and the boys were no longer covered for XXXX. My employer ( XXXX ) maintains that there was no coding change in the contract between the city and XXXX XXXX. XXXX XXXX 's Hospital claims that authorization was given by XXXX XXXX to treat the boys. At this time we have no idea of who is being forthright. Had we known in advance that the therapy sessions would not be covered, we would have taken a different approach. At this time XXXX XXXX 's hospital has sent our account to collections claiming that we owe over {$2000.00}. Again, XXXX XXXX paid XXXX XXXX 's XXXX for nearly three months while the boys were going to XXXX. If authorization was not give to XXXX 's Hospital than it is my belief that the hospital should have notified us. If a request for authorization was not received by XXXX XXXX then why would they pay close to {$1000.00} in medical expenses. Finally, it would be incumbent upon XXXX XXXX and XXXX XXXX XXXX Hospital ( XXXX ) to notify us that the insurance would not cover the treatment. Especially before it reach the level of thousands of dollars. No one has been able to explain to us how we arrived at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in regards to this issue and have not heard back from Experian,   XXXX   and  XXXX . They are all dated for the year  of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system o f   XXXX   being breached. I even had to call to remove addresses that I 've never lived.

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 11/15/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: I recently opened a small business account with The Huntington National Bank. I specifically asked and was told that they do not stack withdrawals ahead of deposits, Apparenty they do. I had my deposit and a check for my house payment post to my account on the same day. Huntington chose to return the check and charge me a fee then add my deposit. I had even called them the day before to make certain that this would not happen. I was told that they never do this and that there should not be a problem. When I confronted them about it I was told, " Sorry, it is what it is '' and that the check was posted to my account the day before my deposit. I repeatedly told the account manager that it was not the case and was looking at the transactions on their site to which he again reiterated that it was the day prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My wife and I had to file for bankruptcy Chapter XXXX in XXXX as primary physicians it was simply impossible to survive- we have now reliable good paying jobs- have incurred no additional loans ( except a XXXX/ and a XXXXlimitcredit card besides our mortgage ) For 3 years of the five year plan- it i well documented by the XXXX XXXX XXXX that we have been paying into XXXX and Texas XXXX School Loans- until dismisssal of our Chapter XXXX XXXX We then paid a payment to XXXX and to XXXX in XXXX XXXX presented a payment plan with at least XXXX different payment addresses- with a higher balance that the trustee reported + a XXXX penalty/late fee! The Department XXXX list the balance owed as XXXX when the Chapter XXXX trustee list the balance as of XXXX as XXXX.Then Navient started sending emails about nonrepayment of XXXX since XXXX XXXX with also a higher balance that the trustee reported- as if we 've made no payments at all! The XXXX loan at the beginning of bankruptcy filing wasXXXXXXXXXXXX and at the end of bankruptcy XXXX it was XXXX, XXXX! Navient lists the balance owed as XXXX. How did this happen? The totals are off by XXXX dollars and XXXX reports this as a NEGATIVE- we ca n't even begin to get an electric company loan to fix our heating and find a car for work! We have not saved enough for our children 's college and dread that they will be caught in this same quagmire. We are honest paying professionals and have been pummeledby government XXXX XXXX restrictions that make it utterly distressing to have to deal with constant justification for the work we do only to get pitiful reimbursements. All we want is for both Texas XXXX and XXXX loan totals to coincide with the Chapter XXXX trustee reports and get credit for all the payments we made the last 3 years- and have a reliable address ( es ) to send payments to. Stop all this penalty fees while we 're sorting these out ( we had not got any credit for the payments we made in XXXX XXXX! ). Stop Navient from reporting to credit bureaus that we are delinquent when we are not!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received an email from Citibank stating I owed {$95.00}. I do not have nor have I ever had a Citibank credit card. I called Citibank and explained that I did not have an account with them and that I had received an email the lady told me to forward the email and gave me the address to forward it to. When I went back to the email it was no longer there. I called citibank again and the lady looked up using my social security and date of birth to see if there was an account, but she could not find an account and told me not to worry about it. A month later I received a bill. I called again re explained the above and was told do n't worry about it because she could not find an account. The following month another bill came I called again and this time I was told to call XXXX that this was the fraud department. I have been trying to call for the last 3 days but the phone is always busy. I do n't know what else to do. Can you help me get this resolved?.

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 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.

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 Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NV).
Issue: Fraud or scam

Complaint: I have {$1500.00} dollars missing from my Rushcard account, I have an email from dated the XXXX of XXXX stating the money will be refunded back into my account in XXXX business days. My account is still missing the {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: Supposedly simple, I charged my trip thru my XXXX card. The Agent said, it 's DENIED! So I used a different card XXXX, and everythings okay. I called my XXXX card and i told them that I was dissapointed and embarrassed. The Agent said your'e okay and do n't worry about it. The next day I checked my XXXX account on line, and all the denied charges are there amounting to more than XXXX. I called the XXXX card and my Bank, Chase. They said I authorized it and I ca n't do anything about it. what a hurdle, I went to the bank, and they gave me a hard time as it was my fault, nothing happened. Then I used my card to buy gasoline for XXXX dollars, and it was denied. I went back the next day and told them the problem. For more than XXXX minutes all their responses were irrelevant to the problems. I started raising my voice, thats when they produced a document. They told me to fax the documentation to the dispute office ( to find out that the FAX number is not correct ) I check my statement on line and I can not see anything, then I called them while I 'm on line and they told me that check the statement on line and Yes, it was there but I can not read the statement, very small and not clear. For more than a month it was very stressful and raised my XXXX XXXX. Then at the end of the month, I found out that the bank automatically deducted {$380.00} cents. The email said that the thanking me for the automatic payments. A few days later all the emails were deleted, i can no longer track the messages. At least they removed a lot of disputed charges but end up deducting XXXX item from my checking account without my knowledgedt. I am already old, I 'll be XXXX yo and can no longer handle this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with MNS & Associates LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been getting phone calls from the number XXXX for over XXXX years now. I have told them atleast XXXX times that there is nobody by that name on my number, but they still keep calling me asking for that same person. Its a different voice or person each time I have attended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with Paramount GR Holdings, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on a mortgage refinance with Paramount Equity ( PE ) in XX/XX/2016. As of XX/XX/2016, I still had not received any payment coupon books or information about how to access my mortgage account and information. I was told by PE that my loan was being transferred to another service company, and that I would be contacted by them by the next month ; one story was that the transfer was audited, which was the reason for the delay. In short, for each of the past three months, I have received the same story from PE : " It should be processed next month ( XXXX, then XXXX, then XXXX ). '' XXXX is here, and still not servicer on my loan. They appear to be incompatible to set up my loan servicing properly, and thus incompetent at their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with Northeast Collection Bureau (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Phone calls harassing to sue me and/or send me court and jail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I sent the following e-mail to NAVIENT : Dear Sir/Madam : I am seeing missed pmts. on my credit report regarding my student loans. My loans have been deferred because I am a current student. There is NO reason that my credit should be going down due to missed pmts. that I am not supposed to even be paying on yet!. This is absolutely unacceptable. What needs to be done to have this rectified ASAP. These loans are old, and I have made SURE to defer them while I am a student. 

XXXX XXXX I have XXXX missed payments that just popped up on my credit report, but they are supposed to be differed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease

Complaint: We had a few major medical and vehicle repairs hit all at the same time. We got behind on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: For the past 2 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Money was not available when promised

Complaint: I checked my transaction on line and over the phone before pickup and its status was available. However, when I attempted to pickup at the ACE CASH EXPRESS - # XXXX at XXXX XXXX XXXX I was told the transaction was not available. She also gave me a printout that stated the number to call and a warning message which shocked me. I called money-gram while at the location and was told money-gram was refusing to provide me its services due to discomfort which is not a term of service or policy. When I contacted my sender they stated to me the transaction is still available and shows available when I check it a moment ago today X/X/2017 at XXXX. I am confused by what is happening and am wasting my time and money to travel to pickup. I called again at XXXX XXXX and the agent stated the transaction is not available and the sender has to call in even thought the website states the transaction is available.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604,  and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your 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 11/16/2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Say I was seen in emergency room for XXXX I am XXXX yrs old had them when I was XXXX & XXXX. Notmy debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My complaint is concerning Equifax and their credit score reporting methods. 

I submitted credit/debt collection errors through their website and, without addressing any of the issues, they lowered my credit score XXXX points. This represents a XXXX point difference between Equifax and other credit reporting agencies. 

There is no reason for Equifax to drop my credit score XXXX points. 

I want my credit score returned to normal and all of my submitted corrections to their inaccurate credit reporting repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified the credit reporting agency and they ignored my request for correction. 

1. The information is incorrect for the following account XXXX XXXX, XXXX XXXX, LA XXXX Please remove this inaccurate information from my credit report. 

2. The information is incorrect for the following account XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please Update to XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana, XXXX 3. The information is incorrect for the following account Federal Tax Lien Case Number : XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report.

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