milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: I filed a dispute with XXXX referencing discrepancy in XXXX and XXXX reporting. In result Experian 24-month payment history remained pulling down XXXX Score which is 100 points less than all other consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 XXXX response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by XXXX, Experian, and 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 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The XXXX XXXX and XXXX XXXX claimed that I owe {$3200.00} for maintenance at the XXXX XXXX XXXX in XXXX. However, in XXXX I wrote letters to each of the XXXX credit bureaus and explained that I had terminated my membership several years ago. I sent them a copy of my resignation letter along with copies of the by-laws which indicated that when you do n't pay, they simply terminate your membership. I asked them to take me to court and they said they do n't do that - they only try to ruin one 's credit. This is a form of extortion ( or blackmail ). Would you please see what you can do to write this wrong. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, 2017 I tried to freeze my credit with Experian. They make this exceedingly difficult and frustrating to do so. Their first form required collecting my credit card and SSN before finally notifying me that for some reason I could n't use this page and would have to either mail many sensitive documents or upload them. When attempting to upload the documents, the require extremely small file sizes, making it an extra hassle to get the documents together. Even though I had documents of the correct size and file type according to their specifications, I received an error that my documents were too large. After lowering the image resolution further to try to comply with their requests. I get a message along the lines of I had " exceeded the maximum number of attempts. '' Look. They 're obviously trying to make this difficult to do so that we 'll buy their monitoring products out of fear of someone stealing our identity or not be discouraged from taking out credit products due to the freeze. This is highly unethical and overly burdensome to consumers. Freezing credit should be easy, if not a right. The fact that they try to make this almost impossible to do is ridiculous. 

As of now, I am still unable to freeze my credit with Experian.

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 10-01-2016 about Student loan (Federal student loan servicing) with ACS Education Services (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted a complaint [ Case number : XXXX ] about the fact that I have been enrolled in school for two years and the ACS refuses to acknowledge that, or provide an option so that I can prove I am enrolled. ( Every other lender is able to access the national database, and does not have this problem ). ACS responded by saying I had to contact them. So, I tried calling, and was on hold for over 30 minutes, and I emailed the website simply asking for an email or phone number or fax number where I could send the certificate from the national clearing house that I am enrolled. I called and sent the email on XXXX XXXX, with the only response an auto reply that I would get a response in 48 hours, but I did get a payment taken out of my account again today. ACS is the absolute worst.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (WI).
Issue: Trouble during payment process

Complaint: I have been having ongoing problems with New Penn Financial based out of XXXX, Pa. They have consistently not applied my additional principal payments to my principal mortgage. Now, because I have previously complained about this, on my last statement, they said I have a NSF fee of XXXX. I had over 7000.00 in my account on XXXX XXXX, 2017 when they withdrew my monthly payment of XXXX. I feel they are being vindictive towards me because of my previous complaints with CFPB, the BBB and Wisc. state bank examiner. I have left messages with their billing dept., their compliance officer, XXXX XXXX, my original loan officer, XXXX XXXX, and their Hqs. in XXXX. None of the aforementioned people have had the courtesy of returning my calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I am levying this complaint against SPS ( Select Portfolio Servicing ), as they are a loan servicer apparently acting on behalf of my actual note holder, in which they keep secret. 
My wife and I are in a state of stagnation with SPS, we have been pushing for a loan modification with SPS since XXXX 2016, we have been more than compliant. 
We have submitted every document they asked for multiple times. 
SPS has engaged in a relentless and classic form of stonewalling, and as they do so they are causing a serious financial dilemma for my family, as we have only been able to afford to pay the principle and interest. Here 's the scenario ; they 'll ask for a document, telling us that this is the last document they need, we always comply, then we here nothing, they go dormant. we contact them asking for the status of the modification, they 'll ask for some document they already received from us. 
SPS has a team of phone answering personnel who run interference for the so called underwriters, whom they claim are the problem ... they will never let us speak to the underwriters, Never! 
I have literally begged them for an viable answer, they know were sinking fast, so there must some sort benefit for them not to comply with us. Please help! I know we ca n't fight them alone, And I know we wo n't last like this. 
Currently with the payment were making the escrow is not being met, and its getting worse. I told this to SPS, they usually reply ; sorry ... 
PLEASE HELP US..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA- XXXX XXXX Dear Capital One, Capital One Credit card ending XXXX Today ( XXXX2018 XXXX XXXX PCT ) I called your customer assistant Plan department and answered XXXX and asking payment assistant plan for above account number. Begin she not treated me as a valued customer and she asking same questions again and again. I told her I had account Last 4 number ending XXXX already in Payment assistant plan and I need to sing up with this account as well. 
She without checking said for me your both account current and not eligible for payment plan. I felt she given me wrong information. And same time she treated me unprofessional and I felt discrimination. 
I told her to transfer to account supervisor and I spoken with XXXX ( Customer Advocate Department ). She also very unprofessional  behavior and she cover it up XXXX XXXX was right. She basically said I have to skipped 4 months minimum payment and get my accounts past due and call again and see I am eligible to payment plan. I felt also she discrimination on me. 
She transferred my call to executive office and answered my call XXXX ( ID : XXXX ). She also not help me out and she not give any positive feedback. I felt each persons treated me very unprofessional. 
I having hard time financial situation and I loved to keep this account open and Please help me reduction APR for short period really appreciated. 

Thank you .. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, I REC'VD A XXXX FROM PINNACLE CREDIT SERVICES OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, XXXX XXXX XXXX WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT PINNACLE WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I have a current complaint on file number XXXX. The original complaint was against a countrywide home loan number XXXX address XXXX XXXX XXXX XXXX, XXXX, ca. XXXX. I was offered a trial payment plan and have attached a copy of the terms, after now completing the trial payment I have been offered a permanent modification that must be signed and accepted by XX/XX/XXXX for the offer to remain. I have attached a copy of the offer. My issue is the new offered principal balance is double the value of the property both the bank BPO appraisal and current comps concur. The bank states I owe a past due interest of {$350000.00} and Taxes and Insurance of {$100000.00} the total being {$450000.00} this amount was based on the original 10.35 % in addition the bank foreclosed on the property after the original repayment to modification agreement they failed to honor. The house was not owned by us for over 6 years we had no negotiating power and this amount also includes inflated forced insurance placed on the property and a reassessed tax that we were not responsible for. The end of the new offered modification states that the modification terms are based on a 40 yr loan and 2 % rate but my original loan will be due on the original maturity date in XXXX, XXXX ( 20 Years ) at which time I will have a final payment due they stated also known as a balloon payment of {$620000.00} not included any estimated additional interest. I feel the bank should dismiss the amount of {$450000.00}. This loan should be restructured based on countrywide non fulfillment of the original repayment to modification. I would have not been responsible for such a high interest and would have had the power to negotiate and access program and other assistance. I will have difficulty with accepting the terms and feel backed against the wall. This is not fair to the consumer, I am now after the death of my husband due to the stress of all this am a single mother. I had to go through hoops faxing, calling, uploading and following up just to be denied and had to appeal the decision because to get this modification, because once again my paperwork was in several different areas. In one day I received XXXX different packages from Bank of America. I would receive a call from a XXXX stating they had all documents and then a packet the next day saying documents are missing. I had XXXX calls in one day from XXXX different reps all claiming they were the point of contact. This process has become De Ja Vue, from what I went through before. I also was made aware after accepted the terms of the Trial that my credit could be adversely affected. How is this so? I was already foreclosed on XX/XX/XXXX after I made repayment to modification payments after filing chapter XXXX I reestablished a decent credit score. Now they get to screw up my credit again. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with National Principal Group, LLC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NP Group first contacted me, on a cellular phone # which has been mine for around 8 years, about a debt, which was not mine, on XX/XX/2017 at XXXX by robocaller, I spoke to their representative, informing them that I had no knowledge of the XXXX XXXX they were seeking and asked to be removed from their system. Calls followed the next day, where I again stated i did not know this person, and a third time, where I was accused of lying about having spoken to them the two previous days and when I told them to remove me was told by their representative that he was " not there to take orders ''. The first call was well within their legal rights, but the next two days of calls were in direct violation of both the FDCPA and the TCPA, as they had no business relationship with myself, and when I tried to get information on their company the first several times I was hung up on, before finally getting someone who gave me their address and calling back a separate number to complain. Since getting this number I have received periodic obnoxious calls, both for the XXXX XXXX they were trying to contact and a XXXX XXXX, neither of whom i have ever met, seemingly never having my cellular number removed from the debts and getting brand new harassment every time the debt is sold for a new round of collection attempts. I recognize that there is no legal recourse to have my number permanently removed from the debt documents, but after establishing that I was not the debt holder on the first call all subsequent communications should have ended, in subsequent calls their use of a robocaller for someone with whom they have no business relationship is a direct violation of the TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Re : Reply People XXXX XXXX <XXXX> XX/XX/XXXX at XXXX XXXX To XXXX-XXXX Message body From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Friday, XX/XX/XXXX XXXX XXXX Subject : Reply Thank you for your news as regards to JP MORGAN CHASE, Please I need to ask for my share holding partnership investment with your Bank for quite a long term now I need my share report certificate and dividend payout ASAP XXXX bless VA A/F XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XXXX XXXX. 

We took out Chapter XXXX Bankruptcy on XXXX XXXX XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw XXXX XXXX checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

XXXX XXXX is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with INCOMM HOLDINGS INC. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX, 2017 XXXX XXXX have purchased 3 vanilla gift cards with my credit XXXX  XXXX at XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX. The cards were issued by Incomm financial services with {$450.00} denomination each. On XX/XX/2017 I discovered that 2 of the gift cards have XXXX balance since they were redeemed ( swiped per Incomm CSR ) on XX/XX/2017 at XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX  XXXX for full amount ( {$450.00} and {$430.00} respectively ). I immediately contacted Incomm Customer Service to report the issue. I have filed a dispute with Incomm for which I got following response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above. <P/>After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim. <P/>Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed. <P/><P/>They cards were ( and still are ) in my possession and no one ever had a possession of these cards other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On or about XXXX XXXX, XXXX, Bank of America asserted a " right to offset '' against my account to pay off an Overdraft amount of {$150.00} associated with my son 's Bank of America account because I added my son to my account as an " authorized user. '' I am not a joint owner on my son 's Bank of America account and therefore asserted that they should not take my money to pay any account that I am not owner nor part-owner. 

I 've been member of Bank of America since XXXX, opened in XXXX NC. I added my son as an authorized user in XXXX. I have had my payroll directly deposited into my account since 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 monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Talbot, Adams, & Moore, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX This company Talbot, Adams and Moore have an account reporting on my credit report that was previously disputed and removed off my credit report. due to that fact i have never done business with this company and would like for this company to remove this collections off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Debt collection (I do not know) with Security Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Report XXXX from Security Credit Service stating I owe a {$410.00} balance. I do not owe this amount and have never done any business with the original creditor shown as XXXX or Security Credit Service. 

I also have never received any correspondence from Security Credit Service or XXXX concerning this matter. The first time I have ever heard of Security Credit Service was the alert that a collection account was reported on my credit profile on Equifax. 

I am a XXXX year old disabled woman with very limited means and pay the very few bills that I do have.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA).
Issue: Fraud or scam

Complaint: My daughter in law recently answered a XXXX add for a used car. The seller said that he was a XXXX ( which is theft of valor and a federal offense! ) and if she sent the first half of the money ( {$2000.00} ), he would have his XXXX drive the vehicle to her. She sent the money through money gram ( who only has a 30 min. Guarantee ), a week later when she did n't receive the car, all of the sellers information was gone and money grams guarantee period was over.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Honestly I do n't remember when I did the dispute directly with the XXXX XXXX and Equifax. XXXX XXXX has since deleted the balance owed of ( {$19000.00} ) because of an Offer in Compromise to the IRS and a balance of ( {$2400.00} ) which I paid in full by check to XXXX. 

But sent same information to Equifax I did tell them that I had an Offer in Compromise that was accepted by the IRS, etc, but they still show open balances. 

XXXX stil shows open balances. 

Thanks for your time and attention. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation