milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am submitting a complaint because Shellpoint continues to dual track and perform deceptive, unfair and abusive loan servicing practices and has now given me an endless runaround for 3 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 10/30/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (NY).
Issue: Account opening, closing, or management

Complaint: I have used Scottrade for 3 years, 2 times. The first, I should of learned my lesson. Some of the branch reps, are highly rude, talk down, when they in fact make errors and due to technical issues, I lost XXXX on the XXXX. I placed a buy pre-market and has been done plenty of times. After XXXX am Eastern time to XXXX, I could not switch from extended to regular to sell my shares while all else worked fine. I called the branch and was told, " Well what do you want from me? '' Unreal! I told him what happened and he offered one free trade which when after I decided to leave later and said I may come back later, it was removed from my account. Then when I went down to do an in-person wire transfer, another rep messed up in detail after reviewing all information and got double-charged {$50.00}! That is just a small part of what service I received. 

You get what you paid for and will NEVER return, and they SEC, XXXX should look into Scottrade. I have heard so many real stories and i am no sore loser if I lose money. But they have countless technical issues, horrible customer relations and attitude changes dramatic when I turned down a rep from a branch for assistance for a Broker to handle my money. My advice, get out and use XXXX, XXXX, XXXX XXXX, XXXX or any other. Trust me and do not say you were not warned!

Company response to consumer: Closed
Consumer complaint received 11-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX XXXX 2016 number XXXX called me back to back XXXX times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a house back in XXXX with an XXXX/XXXX/XXXX loan. The loan was mainly an interest only loan. In the XX/XX/XXXX my wife and I divorced and neither one of us could afford the house and it went to foreclosure and was sold on XXXX/XXXX/XXXX. Since that time frame roughly XXXX years the XXXX mortgage company SLS has continued to show their portion of the loan on my credit account and are not cooperating with resolving this issue. They have never sent any legal notification that they were pursuing payment for their portion of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by phone from Convergent right before or around the 7 year date of past due payment to XXXX. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment XXXX for XXXX or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX Convergent did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to Convergent on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let Convergent know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (Other debt) with Immediate Credit Recovery (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: IMMEDIATE CREDIT RECOVERY INC, is listed on my credit report as a derogatory mark. The debt with XXXX XXXX XXXX XXXX has been paid in full, on XXXX 2016. I would like Immediate Credit update there records and remove this from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with Experian Information Solutions Inc. ().
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I tried to get a mortgage but was turned down by the underwriters as there was an issue of a late payment on my credit card back in 2012. After getting copies of bank statements I found that all payments were made by standing order each month, I then wrote to the company who told me that the account was marked as satisfied but the default would last XXXX years.i have now written back to them saying I am not happy with the result as I feel I have been unfairly penalised. I am XXXX years of age and am having difficulty getting a mortgage because of the years left ( XXXX ) max for mortgage.i am renting a property which is costing me XXXX more than the mortgage would have cost me, and gone through lots of stress because of this. 
The rest of my credit report is all up to date and in order apart from this, I work in retail banking so I know how important it is to always keep payments in order. I would be grateful to know your views on my situationThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had my purse stolen in XXXX of 2017. I have all of my credit cards set up with automatic payments. It took me some time to go to my credit union and get the account changed since I was out of the country. One of the automatic payments for my Capital One credit card shows as being missed and that is not accurate. I called Capital one to tell them what happened, they told me over the phone that I would not be affected and I gave them the updated bank information and got caught up with my account. I did not miss any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I am in a XXXX XXXX XXXX receiving XXXX assistance. I am not able to use any of my income to make debt payments. I have repeatedly explained this but they will not discharge the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (IN).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call today from a XXXX XXXX from Assets Recovery and Associates. The call came to my cell phone from XXXX. Said XXXX County is going to sue me on behalf of XXXX. I asked for something in writing from him he said no and that I owed over {$10000.00} from 2002. He kept repeating my address and county and the last for digits from my SSN. Telling me he was going to sue me if I did not pay to settle the debt. He said he has all my personal information about me and has my credit report. They were suing and putting a lien on my credit report and house. They said this is on my credit report, but I just looked at my report in the last month and there is nothing on there. Refused to provide any information in writing to me. I believe this violates the FDCPA. While he was lecturing and yelling at me on the phone i did a XXXX search and it appears that there are complaints all over the country. The state of Washington appears to say this could be a scam. An attorney blog states they are doing illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I got a notification from XXXX XXXX that there were three derogatory marks on my credit file. All three were from XXXX XXXX XXXX, one for {$1200.00} and two for {$270.00}. The company said XXXX. I have never heard of this company. I called the number and stated I did not owe this money and requested they send me a validation of debt. I never received anything. The {$1200.00} report says I have paid -25 % ( overpaid? ) of the debt ( {$1000.00} ) and the two {$270.00} reports say I have paid 73 % of the debt ( {$1000.00} ). I submitted a dispute with XXXX and XXXX. XXXX deleted all three collections from my report. XXXX also deleted them, but all three were back onXX/XX/XXXX. I would like these marks deleted from all of my credit files as I do not own them, I never received a validation of debt, nor did I get any notification prior to them showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Myself, my wife, and our son are all co-borrowers on this loan. All three of us are also on title to the property that secures the loan. Our son is now making the mortgage payments and we asked the lender to list his name and his social security number first so that he can claim the mortgage interest deduction. They have refused, saying they are unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was finally provided a loan forgiveness from Bank of America of {$120000.00} in XXXX 2015. I was also given a letter from Monitor of the Bank of America Mortgage Settlement stating that Bank of America has set aside {$490.00} XXXX in funds for tax relief for those of us that receive a loan forgiveness from BoA. I am now sitting with my taxes and seeing that I owe over {$40000.00} in State and Federal taxes due to the loan forgiveness. I have attempted to contact the XXXX but they have stated they are no longer providing tax relief. I have gotten no further information on how to access these funds.

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 01/13/2018 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX I traded in my XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. I paid USXXXX as a down payment .XXXX contacted XXXX XXXX XXXX and got the paid off information and based on that the gave me the new deal. The US XXXX should cover the remaining payments. In XX/XX/XXXX I received a notice dated XX/XX/XXXX trying to collect US XXXX when I called XXXX XXXX XXXX they told me that they have nothing to do with that and if I font pay the will send my account to collections. I explained that I made a deal with a dealership that belong to them and that they should contact the dealership. They did n't care. I called the dealership several times and have not get a response from them yet. 
Today I received a notification that this account is in collections dropping my credit score to XXXX. This is the 4th vehicle I get from this dealership and I have nothing to do with the communication between the dealer and XXXX XXXX XXXX when they call to get payoff information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed an XXXX credit card with Equifax on XX/XX/2016 that officially XXXX is reporting as being charged off. they have sent me back an updated report stating that XXXX verified it. 

I have send them a new letter requesting how did they verify this. How could they have verified it if after multiple attempts to get XXXX to send me proof they were not able to send me any proof that this account has anything to do with me. 

Equifax has meanwhile ignored my letter and is still reporting this inaccurate information on my report. 

I request that Equifax send me proof of how they verified it. just speaking to an XXXX repesentive that looks on computer screen is not enough. 

I request to get either a copy of contract, settlement or some other proof that this account is anyhow related to me. if they verified it by telephone, I request the NAME and direct extension of the XXXX Representative and what proof the Representative said they have that this information is accurate. 

this is my final attempt to settle this dispute out of court. If i do n't get proof of how Equifax verified this account and Equifax will still keep on reporting this inaccurate info on my report, I will sue them in court for violating my rights under the FCRA and for financial loss because of their violating the law

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer ( XXXX XXXX XXXX ) sold servicing rights to Nationstar starting XXXX XXXX 2015. I contacted XXXX and was told that I had no say in the matter, but the only change I would see is the account # and address I send payments to. I called Nationstar on XXXX XXXX to set up my auto bill pay, but was told they did n't have my account info yet and they would be sending me a welcome packet with all the info I would need. I did n't receive this packet until XXXX XXXX. I called Nationstar customer service ( poor description of what they do ) and was basically told there was no way to set up the payment option I need ( the same plan I had with XXXX and my previous servicer ). I am in the military, so I get half of my pay on the XXXX and the rest on the XXXX of every month, so I need half of my mortgage payment to auto draft on the XXXX and the XXXX. Sounds simple ... apparently it 's impossible with Nationstar. I have spent hours on hold and have to explain my situation every time I get transferred to a new person. On XXXX XXXX I received a notice that " your loan is due for XXXX XXXX, 2015 and is in default '' and " unless this delinquency is paid by XXXX XXXX, 2015 we will accelerate/demand your loan and begin the foreclosure process '' pretty sure federal law REQUIRES a 60 day grace period beginning the effective date of servicing transfer. This whole experience has made me extremely uneasy, as I previously stated, I am in the military and XXXX at a time. I received notice of the servicing transfer just after returning from XXXX of these XXXX, what would have happened if it had come just after I XXXX? 
I would have come back to a house in foreclosure because of an unethical practice of transferring servicers without my consent! Is there seriously no protection for XXXX service members from this? Also, PLEASE read XXXX and other reviews of Nationstar Mortgages and ask yourself how they are allowed to continue preying on people just trying to do the right thing. I would do ANYTHING to distance myself from this terrible company!

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with BANCO POPULAR DE PUERTO RICO (MI).
Issue: Other

Complaint: Have a credit card from XXXX opened in XX/XX/XXXX. XX/XX/2017 Had issues from the start : Transactions denied, online website errors etc.. 
I initiated numerous calls whereas representatives could not provide reasons, there was tremendous inconsistencies. 
After having a dispute with a fraud investigator my account was immediately restricted. 
Denied more transactions and more calls. Fraud investigator XXXX tried to convince me that a few cards have problems with addresses and requested proof of address along with my passport. 
XXXX is not aware that my daughter is an it tech specialist and one of the best. She had a scholarship to XXXX years ago and is very familiar with security systems. My daughter informed me the reason XXXX claimed can not be accurate. 
PLEASE LISTEN TO THE CONVERSATION ON XX/XX/XXXX with XXXX I was denied use of my XXXX card twice in last few days. I have answered over a dozen security questions, some going back over 10 years correctly, I have provided my Drivers License, passport, 2 utility bills and business credit card statement from XXXX. All my information is confirmed by every credit bureau and through a XXXX search, However and somewhat incredibly XXXX bank continues to claim I am not who I say i am. 
Convinced that untrue statements were deliberately provided to me and more convinced whatever ridiculous issue is theorized, it is based either on discrimination or employee retaliation. Both of which violates the contract I have with XXXX, which was is a contract of adhesion. 
I go to anywhere on this planet and enter any country with the information I have willingly provided. 
Therefore, if XXXX continues to hold their claim that I am not XXXX, they can not report this account to the credit bureaus as belonging to XXXX and there is no obligation to pay for any balances.

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