milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (MO).
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 had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2016 - file is 26 months past due totaling about $ XXXX ( w/o any fees ). Loan mod was denied because the servicer was unable to reduce the principal and interest portion of the payment - therefore a loan mod is no longer an option - no matter what the homeowner changes in her circumstance the result would still be the same - the servicer tried to extend loan to 40 yrs ( max term ) & reduce the interest rate as low as they are able to and still the monthly payment was too high. -- The servicer would not communicate to the HUD approved nonprofit whether they reduced the interest rate at all. -- Available options is to reinstate or come up with a significant down payment so that the homeowner can agree to a 12 month repayment plan otherwise option is to liquidate. -- The file is in active foreclosure with NO sale date because the file is in active bankruptcy ; therefore the foreclosure is on hold. - My request for a NPV was denied ; request must be in writing and even then the request my not be granted. I was not given an answer when I asked what the lowest interest rate they used to determine if the homeowner was able to get approved for a loan mod or not.

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
Consumer complaint received 07/30/2016 about Debt collection (Mortgage) with Franklin Credit Management Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/XXXX, a representative from Franklin Credit came to my house around XXXX. She asked my name and stated that she had a letter for me. I informed her that on the letter my name was spelled incorrectly. She asked for the correct spelling and wrote it on a piece of paper. She stated that the letter was regarding a property that I had defaulted on. I told her that the only property I 've ever owned is the one that I currently reside in. I told her that I did not want to accept the letter since my first name was spelled incorrectly. I told her that I was unaware of the debt because I had been the victim of identity theft years ago. She told me to contact the company to have the matter rectified. 

The letter only contained a note instructing me to call a XXXX number. I called the number repeatedly and it would ring one or two times, then there was an automated prompt, after which the line would disconnect. No one ever answered. A week later I received a certified letter from them detailing the alleged debt I owed from an outstanding promissory note from XX/XX/XXXX. 

I contacted the company and they attempted to try to set me up on a payment plan. I informed them that I was the victim of identity theft and that the IRS and credit bureaus were aware of the fraud. They said they would make note of it on the account. I heard nothing about it for months. 

On XXXX XXXX, a man identifying himself as a sheriff arrived at my house after XXXX. I was served a summons initiated from the company Franklin Credit claimed to be servicing the debt for ( XXXX XXXX XXXX XXXX XXXX ) and give me 20 days to reply with a written response. 

After reviewing the summons and the claims made, there were inconsistencies that I repeatedly pointed out during this process. The incorrect spelling of my first name on the promissory note, in addition to the inconsistencies with my signature are all points that I made in my response. 

At the alleged time of the note, I was a full-time student at a university and also working part-time at that university while living on dorm. I was dependent on my wages and student loans at that time. I informed the representatives that I did n't even qualify for a personal loan at that time, so I know I did n't qualify for a mortgage. 

Unfortunately, my repeated attempts to get the matter rectified has remained unresolved. In fact, the office of the attorney for the plaintiff contacted me to say that they would be proceeding with the lawsuit against me. Despite them requesting my identification, they acknowledged that my first name was spelled incorrectly on all documents, including the notarized promissory note and continued to state that the signature " somewhat '' matched mine. 

I feel as if they are trying to take advantage of me. They are applying many different tactics and trying to force me to pay a debt that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: bank of america has responded 3 times now stating they think i have been a victim of fraud, NO XXXX!!! BANK OF AMERICA IS THE ONE COMMITTING FRAUD!!!! THEY REFUSE TO LET ME FILE AQ COMPLAINT FOR FRAUD AND THEY ARE REPORTING ON AN ALLEGED DEBT THAT THEY CAN NOT PROVE!!! ITS OVER 7 YEARS OLD TOO!!! THATS AGAINST THE LAW YOU CRIMINALS!!! DIRTY ROTTON SCOUNDRELS YOU ARE!!!! 
YOU DO NOT HAVE AND CURRENT VALID CONTRACT WITH ME YOU CAN NOT PROVE THAT DEBT IS MINE!! 
YOU ARE IN VIOLATION HAVING THIS FAKE DEBT FOR OVER 7 YEARS CRIMINALS CRIMINALS CRIMINALS!!!!!!!!!! PLEASE ANSWER MY QUESTIONS YOU ROTTON CRIMINALS, SILENCE IS ACQUESCENCE, SILENCE IS FRAUD, SILENCE IS GUILT,!!!!! WHY WONT YOU ANSWER TO ME CRIMINAL!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I applied for a short sale of my home and was notified that I was placed into review for homesaving options. I assumed that this was a requirement of the Investor of my loan, however I have now been advised that it is not. On   XXXX   XXXX   I was advised that my file had been denied for loan modification options - though I did not apply for a loan mod, then was advised my file would be placed into short sale review as I originally requested. On   XXXX   XXXX   I submitted the required short sale documents and was then advised that a property valuation would be ordered. My listing agent and his negotiator have been notified that a valuation needs to be completed and an appointment has been set, however the sale date is still active for  X/XX/17   . My single point of contact states that the sale date is not showing, however the foreclosure attorney states that there was no hold placed on my file by their client. How is this possible? Why would an active sale date be set for a property in review for short sale? Why was my home reviewed for a modification instead of the short sale I requested? I am attaching my original application I submitted and the short sale acceptance letter I received from Bayview Servicing. According to CFPB guidelines : Restricted Dual Tracking : Under the CFPB 's new rules, dual tracking - when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers must not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. This will give borrowers reasonable time to submit modification applications ; Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Why would this continue if I was actively being reviewed for a loss mit option? Why was I told that my loss  mit review wo uld continue after being denied for a loan modification I knew I was not going to be approved for in the first place? Why was I not placed into short sale review as requested per my Loss Mitigation application? I would like to be allowed to be reviewed for Short Sale as originally requested on  XXXX  via my completed loss mitigation application.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to a new servicer. I have had many problems with the new servicer related to the property insurance. The new problem is regarding the escrow account. I received an escrow statement at the end of XXXX of 2016 and another one at the end of XXXX. The first statement claimed an escrow shortage of approximately {$61.00}. The XXXX statement claims an escrow shortage of over {$970.00}. This " shortage '' is because they have counted two years worth of taxes in this statement. After my previous experiences with this company, I feel I must now use the Consumer Financial Protection Bureau to be sure I receive a prompt and well-documented response.

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 07-10-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I disputed more than 10 times and escalated your service department and correpondent team but your company ignored my fair claim to remove the charge {$90.00} fee that is not my fault and responsibility. I already sent the proof documents that I paid the payments ontime. 
Per our conversation with Customer Service team last month, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fualt from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee XXXX I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX. 
Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've mailed Equifax validation letters for them to validate the information Equifax yet has provided me with anything. I 've called Equifax to to discuss the matter as Equifax has not did anything. There are accounts that were disputed and closed on all three credit reports and Equifax had not deleted the accounts. The collection agencies have closed the accounts. There are accounts that were closed in XX/XX/XXXX up until now Equifax has not deleted and updated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XXXX5.XXXX closed XX/XX/XXXX showing past due XX/XX/XXXX6.tsi XXXX closed XX/XX/XXXX showing past XX/XX/XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Debt collection (Payday loan) with EZCORP, INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: i received a call today for a payday loan that was not paid in XX/XX/2014 stating that if i did not pay the amount in full that a warrant would be issued for my arrest. these people were rude, offensive and very threatening. The name of the company was ezmoney payday loans. Better known as EZcorp. This outstanding debt is currently awaiting my bankruptcy to go through. I have also not heard from this company once. IT ALSO APPEARS THAT THIS COMPANY HAS BEEN SANCTIONED BY THE GOVERNMENT TO NOT COLLECT ON ANY PAST DUE LOANS

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 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was finalized XX/XX/2016. I 've retain letter notifing that debt was paid in full. This is ridiculous and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a 30 year decreasing interest rate loan with Beneficial a member of the HSBC Group. I have had this loan since XXXX XXXX, 2005. Under the terms of the loan, my interest rate will decrease by one quarter percent annually if all payments are made on time during the year, which has always been the case. This was done automatically until 3 years ago. For the past three years on my anniversary date the interest rate has not been decreased until I call and write letters to have the issue resolved. Since this has happened for three consecutive years, I feel Beneficial is behaving in a fraudulent manner, hoping I will not hold them to the terms of the mortgage thus receiving a higher than entitled interest rate. I can mail you any paperwork you may need to assist you, I am unable to download anything on the computer. As of this date I am still waiting for the interest deduction after numerous telephone calls and registered letter. Beneficial says they are working on the problem. However, I make my payments on line biweekly and when trying to use their website I am locked out supposedly because they are making updates. Thus I feel they are trying to make me miss a payment so I am in violation of my contract so I can not receive the interest deduction. Please assist me in this matter so I do not have to repeatedly go through this process. XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For approximately three months the funds for my XXXX loan are not being appropriated correctly. I have the same loan number for AES and XXXX. The money for AES is being accepted, but not XXXX. 

I have been dealing with AES and XXXX on a weekly basis, and was advised to enroll in auto pay ; however, after doing so my funds are still not being applied correctly. 

I have overpaid on my monthly payments for the past several years, and I am now in a place now where they are not accepting the payments or correctly applying the payments where they need. I believe that I have done everything in my power to resolve this issue, yet, they keep advising me to send more money, but still not being applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Credit card) with DISCOVER BANK (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling at least five times a day. Today they are calling every XXXX to 1.5 hrs. Have told them I am filing bankruptcy and to contact my attorney. Still harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with CIR, Law Offices (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: CIR XXXX HAS SENT ME A INVOICE REPRESENTING XXXX XXXX FOR XXXX I CONTACTED XXXX, XXXX, XXXX, XXXX NONE OF THESES COMPANIES HAVE ANY KNOWLEDGE OF THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received information about a debt owed from collection company that was purchased from original creditor, 2 years after debt was aged.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Medical debt) with PMAB,LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I didnt receive a copy of the original debt or a notification from the debt collector in regards to this balance owed. So there was no opportunity to pay or dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a payment agreement with Care Credit/Synchrony Bank since   XXXX   XXXX   XXXX   - payments are automatically drawn by creditor from my bank account on the first of the month. The following  have been paid, but are not showing on my credit report and they are reporting me 30 days late in  XXXX  (  which I was for   XXXX   ) and 60 days late in   XXXX   XXXX   and   XXXX   :   XXXX   XXXX   XXXX   {$46.00}   XXXX   XXXX   XXXX     {$18.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$35.00}   XXXX   XXXX   XXXX   {$40.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$75.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$77.00} ( per payment agreement ) I tried to contact the creditor by phone to discuss but the all phone # 's lead me to a 3rd party collector "   XXXX   '' who does n't have my account and have been told this multiple times today. Each time I was given either a new number to call or one  I already did and every one reverts right back to  XXXX . Beginning    XXXX   XXXX   XXXX    at   XXXX   XXXX  , I have called   XXXX   ( back of card ), given  XXXX , given  XXXX  again, spoke with  XXXX  (? ), given  XXXX , reverted to  XXXX  spoke with *uninteligible*   XXXX   and request to speak with manager - spoke with manager "  XXXX  '', given   XXXX  , called and was hung up on ( male rep ), called  XXXX  ( again ) spoke with  XXXX , given  XXXX , answered by   XXXX   rep again ( one I already spoke with ). Called   XXXX   ( from Care Credit website " contact us '' ), got   XXXX   once again and so requested to speak with manager - got  XXXX  again.  XXXX  told me " there 's a problem with the system ''. This final call was at   XXXX   XXXX  .
This is completely unacceptable! I 'm trying to reach the company to discuss my account and am unable to and have been given incorrect inform  ation each time.

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 03/13/2017 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection agency LJ Ross reported my PAID medical debt after the account was closed and totally blew up my Credit Report - XXXX The accounts were paid in XXXX 2016 - LJ Ross reported accounts in duplicate and reported them as PAID in XXXX but listed them anyway???

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've received XXXX calls from West Asset Management since XXXX XXXX about a debt owed by XXXX XXXX. I 've told them XXXX times that my XXXX XXXX is my child and they must have the wrong number. They confirm by asking " XXXX XXXX. XXXX? ". I tell them the middle initial is also wrong. I 'm then told that my number will be removed from their records, only to be called again the next day. 
I asked if they just go through a phone book and pick a name that 's the same and he actually replied " pretty much ''.

Company response to consumer: Closed with explanation