milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Struggling to pay mortgage

Complaint: I am still having a problem with the servicer of my mortgage loan, Select Portfolio Servicing. I filed  a complaint against them a couple of months ago because they were not working with me and refused to conduct a review of my current financial circumstances to determine if my family qualified for modification help. After I filed the complaint they conducted a review, but they recently sent a letter saying we did not fill out one form, the XXXX properly so the review is cancelled and we are denied and now we are going to sell your house. They have set a sale date for XXXX XXXX. We have appealed the denial and dont understand why the failure to complete one form properly means we are kicked out of review and told we have to start over. It is unconscionable and it is an example of how SPS treats their customers and their unethical foreclosure practices.
This is a predatory high interest ( 8.6 % ) adjustable rate loan. I have been trying to negotiate a modification or restructured loan for quite some t
ime and thought that SPS was finally going to work with us until we received this letter. We are back on our feet ; my fiance lives with me and is working and my son who lives with us is also gainfully employed. We submitted all of our paperwork several months ago with the expectation that there would be a review of our financial information. But nothing happened until we filed complaints and got our Congressman involved. SPS acted like this was a priority and then sent us a letter that our application had been denied because we did not properly complete the XXXX form. I sent in a written appeal and the form but they have not reactivated our review and have set a foreclosure sale date for XXXX XXXX. This is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They keep verifying that a dismissed chapter-XXXX bankruptcy in my credit report is mine and they are wrong. They are not verifying or investigating this information, this belongs to someone with a similar name but it 's not mine. I need this item removed at once from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Messerli & Kramer represents XXXX XXXX, XXXX. They filed for a judgement against me XXXX XXXX, XXXX. We filed an exemption claim notice with them because most of our income is from Social Security, we did this on XXXX XXXX, XXXX. My total income is {$900.00} a month, out of which I pay {$74.00} a month for a supplemental health insurance payment. This debt is in my name only, my husband has nothing to do with it. 

I filed a cease and desist with them on XXXX XXXX, XXXX. I have never retracted that Cease and Desist, consequently, they have not contacted me by phone, up until this last week. I have received a phone call from Messerli & Kramer, at XXXX PM, on XXXX XXXX. I did not catch the women 's name that called, but she was calling to collect on this debt. I have a photo of my caller ID with the date and time of this call from a representative from Messerli & Kramer. The phone number listed is XXXX. 

It is my understanding that once a Cease and Desist order is in place it is unlawful for them to contact me by phone.

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 07-02-2017 about Debt collection (Mortgage debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: IQ Data International inc is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX/XXXX/2013 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XXXX and XXXX and they would not listen or try to resolve

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (FL).
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: XXXX XXXX continues to report negative information tied to a paid account even though the negative actions occurred more than seven years from the most recent credit report received on XXXX/XXXX/2017. Their insistence that it is up to the credit reporting agencies to correct these errors is somewhat accurate but XXXX XXXX continues to modify the comments section to include statements referring to adverse items that are more than 7 years old and as such are in violation of the FCRA. I have sent correspondence to Ford that included the following documents : 1. A letter requesting negative items, remarks and/or comments to be removed from my credit reports as those items antedate the report by more than 7 years and as such violate my rights under the FCRA. More specifically, continued reporting of a redeemed repossession as well as a 60 day late payment. While this account did have those events, they occurred more than seven years before the report was generated on XXXX/XXXX/2017 and as such are being illegally reported and should be deleted. 
2. Copies of the relevant sections of the FCRA that specifically state that negative items that antedate the report by more than 7 years can no longer be reported. 
3. Copies of correspondence from Equifax where they state any changes to the report need to come from XXXX XXXX as they have item verified they are only reporting what Ford has asked them to report. 

I have attached the letter sent to Ford to clarify my position on this matter. 

Ford 's most recent correspondence to me simply states their unwillingness to comply with the FCRA. At this time I believe their actions to be punitive since the credit agencies have removed the negative items from the payment history reporting yet at XXXX XXXX 's request continue to include comments that speak specifically of these negative items. I was hoping it was just a misunderstanding and gave them an opportunity to do the right thing but now that they have come back to me and seem unwilling to make the proper and legal corrections which leads me to filing this complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Mortgage (FHA mortgage) with SOUTHERN FIDELITY MORTGAGE (NV).
Issue: Application, originator, mortgage broker

Complaint: I had tried to secure a mortgage loan from southern Fidelity Mortgage. I found a house that I liked and we proceeded with the loan approval process. I told them that my credit was n't very good and I told them I had collections. She told me they would either just deny the loan or ask me to pay the collections. Well later they told me the loan was approved but that I needed to pay off the collections. Well I told her I would have a tough time raising the down payment money and closing cost if they needed that paid off. Well they told me that if I backed out now I would lose my earnest money because the loan was approved. Not the original loan but the one they came up with all these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX   2017 I p aid a {$460.00}  XXXX    XXXX   XXXX   medical bill. It is showing  - XXXX - b alance with  XXXX  and   XXXX    .  Transunion refuses to correct the balance to  - XXXX -.   XXXX  emergency associates advised they would recommend the tradeline be removed since it is a medical account. This has not been done either. I have disputed the amount  2 d ifferent times and they insist that the amount is correct and it is not and I can prove it. Please advise if I need to hire an attorney.

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 10/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WI).
Issue: Other transaction problem

Complaint: PayPal is not allowing me to withdraw my refund given to me. I was refunded for an item and they have frozen my account and claimed that the transaction is at risk for a charge back or dispute. That is a lie, You CAN NOT dispute a refund, XXXX XXXX XXXX AND XXXX AND XXXX do not allow chargebacks or disputes for refunds. They only allow them for purchases or debits. That is simply my money being given back to me and is not even a transaction associated with a credit card or debit card or bank account. 

Reference ID : XXXX Email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The amount is {$2500.00} on hold and needs to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is a hard inquiry from XXXX XXXX made on XXXX XXXX, XXXX. I did n't authorize this inquiry. I do n't have or have never been interested in XXXX XXXX. It appears on my Equifax credit report. XXXX XXXX has no automated option to speak to someone about credit inquiries. Selecting any of the other options will not get me to anyone who can help. All calls to Equifax have been met with " your call can not be completed at this time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Student Aid (USA) Funds (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: UNITED STUDENT AID FUNDS Closed :XX/XX/XXXX XXXX Closed :XX/XX/XXXXXXXX XXXX Closed :XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also USAFunds. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach USAFunds to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2015 my bank account was seized by Pressler & Pressler who are representing XXXX XXXX XXXX for a debt that I dont believe is mine. I got the courts to release the money on the XXXX asset rule and the debt was taken off of my XXXX report and marked satisfied on XXXX. At the time I thought it might be XXXX as the original creditor. A year later they have seized my bank account again and now they say the creditor is actually XXXX. I do not owe XXXX I dont even know who they are. In the meantime I can not get Pressler & Pressler to prove validity of the debt. they claim it has to be mine because they were awarded a judgement that I knew nothing about. Original papers were sent to outdated address. How can I get these people to Validate this debt or at least leave my bank account alone. They have refused to help me get any information at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (MN).
Issue: Credit decision / Underwriting

Complaint: My name is XXXX XXXX and we have a first and second mortgage with US Bank. Due a business venture that did n't pan out, we eventually had to file a chapter XXXX bankruptcy with a discharge date of XXXX XXXX, XXXX. 
We were able to get our first mortgage modified after a 3 month pre-trial period in XXXX. The second mortgage was supposed to be modified along with the first but was eventually denied for reasons unknown. 
We decided recently to apply for again for assistance on the second mortgage modification in XXXX of XXXX, and were eventually granted a 3 month pre-trial that finished in XXXX XXXX. Since then however, no permanent modification has been presented even though we continue to make payments for the pre-trial amount. Foreclosure sale dates have been pushed back numerous times as well as this lingers in review. My relationship manager continues to say she is waiting to hear from her supervisor whom is waiting to hear from management on the status of the modification paperwork. We are hoping to have this holding pattern cease and the permanent modification plan to be presented so that we can get this loan fully back on track.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (OR).
Issue: Managing the loan or lease

Complaint: I took a loan out of {$1000.00} and was told I would repay {$1300.00}. I have now made XXXX payments and my first payment was for {$500.00}, XXXX payments at {$290.00} and XXXX payment for {$320.00} so now I 've paid {$2000.00}. This transaction approval for funds was before signing and not knowing they were going to charge me thousands.complaint : Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Billing disputes

Complaint: I have had a Chase XXXX Credit card that is currently closed but I am still paying the balance. I set up automatic payments but for some reason they have ceased and now they are charging me late fee after late fee and probably are reporting the account delinquent causing serious damage to my credit score. I have not received any statements from them for this account either. When I was made aware of the situation I attempted to make payment on the account online only to be told that they are unable to process the transaction and to please try later. I have worked hard to build my credit back up only to have it in jeopardy because of this Chase account. I have been a loyal customer for many years and I am extremely disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TRANSUNION, XXXX AND XXXX TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An unauthorized and fraudulent credit inquiry is listed on my Experian credit report from : XXXX, XX/XX/2017, the credit inquiry do n't belong to me. I am a victim of identity theft and have been a victim of identity theft for over 10 years.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am one of the millions who were affected by the Equifax liability breach. I have visited their website dozens of times, called their toll free number many times, and tried to enroll in their free credit monitoring service many times, all to no avail. I have already had fraud on my account. They do not respond, they do not enroll me in monitoring service, and the people in XXXX answering their calls basically can answer no questions or provide any type of service or information whatsoever. My credit has been compromised and money has already been lost, and Equifax will do nothing about it, provide no service or protection, and they do n't respond or provide any monitoring service as offered. you enroll in that service over and over again, and it says you will receive an email and a text with information, but no email comes and no text ever comes, so they are fraudulent and liable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a discharged Chapter XXXX Bankruptcy that is on my Transunion Credit Reports that does not belong to me. I have disputed several times with the credit Transunion and XXXX and they both verify. I have inquired to both for the verification information and they both have failed to supply this to me. After looking up the Bankruptcy that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record does not belong to me.

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 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: From the XXXX XXXX 2017 I have been locked out of my crytocurrency trading account on www.coinbase.com I have tried to contact coinbase to resolve this through email requests only to recieve automated messages and a faint promise of help " soon ''. 
Further attempts to contact coinbase through their support phone line have resulted in nothing after waiting in excess of 4 hours on " hold '' to talk to someone. 

This complete lack of service is unacceptable. 

Avoid using coinbase if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Contact Transunion about a glitch that they had in XXXX they deleted my collection and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX he replied that they had an issue with XXXX but it is fixed right now that my credit score was not hurt with this issue and I told the representative that I do n't have XXXX I have XXXX which is a company that I pay {$15.00} dollars a month that monitors my XXXX credit bureaus along with the fico score and that I called them first to see what went wrong why they put the collection and inquiries back and they told me that there is nothing wrong with their website that they only report what XXXX, TRANSUNION AND XXXX report to them and that my score, collection and inquiries remained the same for XXXX and XXXX that the only issue was with Transunion and XXXX is from XXXX so that 's why I called Transunion and the representative did not wanted to help me he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XXXX,,, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX , ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}

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