milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I called SENECA Mortgage Servicing at XXXX. There is no option to talk to a live person which is ridiculous. I am calling about a fee charged on my account and there are absolutely no options to talk to someone. Is n't that a requirement of a loan servicer?

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 08-04-2017 about Checking or savings account (Checking account) with Resurgent Capital Services L.P. (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: year:XX/XX/XXXX amount : {$2100.00} with Pinnacle LLC C/O resurgent capital service.
on that year I had checking Acct with XXXX XXXX XXXX. I deposit {$2000.00} check from I got from employer and 3days later I went to bank to confirm deposit and teller said cleared so I cashed out, while after I completed move out to other state. I did not contact from bank at all what happen. XX/XX/XXXXI went to XXXX XXXX XXXX XXXX and I found out I 'm not able to open checking account with check system record. So I called to XXXX XXXX XXXX acct department trying to know what happen, deposit was bounced. I asked, can I pay for it now for open acct? said, not sure because they issued XXXX to me and it does n't matter pay or not. I asked, so I can handle with IRS? said, yes. so I cleared with IRS last tax report. I did what ever they said but still they block to unable to open checking acct. I trying to pay back but bank wo n't accept and I paid for tax above amount. At this time I 'm getting so hard time to living without account. carrying cash for spend. I believed, someway to solved, just made painful and hard time is not the way of live as US citizen.
I really wish to way to solved this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: No filed CFPB and letter to credit reporting company at the same time. copy of credit report with marked and highlighted incorrect data on 90 percent of report sent to credit report company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have no knowledge of this inquiry.

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 01/31/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I purchased my first car on XXXX/XXXX/XXXX and financed it with Credit Acceptance Corp . I made my payments online on time in XXXX and XXXX XXXX using my debit card. On XXXX XXXX I was in an accident and immediately filed a claim. The car is a total loss. When I tried to make a payment on XXXX/XXXX/XXXX the payment was declined with no explanation. I tried several times without success. I called the company on XXXX/XXXX/XXXX and was told more than likely the insurance company had taken care of the loan. On XXXX/XXXX/XXXX I called the Credit Acceptance because the insurance company was still waiting to hear from Credit Acceptance. I was then told that I had missed XXXX payments and I had been reported to the credit bureau. I was told that when there is an accident you can not make payments using a debit card. I had no way of knowing this. I am attaching a copy of the message I received when I tried to make a payment. Today I tried to make the XXXX past due payments using two methods : debit card online and calling and neither method allowed me to make a payment. I wanted to take care of this as soon as possible because I need to purchase a car to get to my XXXX jobs but can not buy a new car with the credit report from Credit Acceptance. There is nothing in the payment coupon book that tells me I can not make a payment with a debit card if I have been in an accident. I want Credit Acceptance to accept my debit card payment and I want them to fix my credit report. I am young and this is my first attempt at establishing credit. I was diligent in making my payments in an accepted manner per the coupon book and coupon. Because I work XXXX jobs I can not wait on the phone to make the payments during their office hours which are Eastern Time ; I live in California. 
The insurance company on XXXX/XXXX/XXXX confirmed they are also waiting on Credit Acceptance for paperwork to pay off the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- Comenity/XXXX -XXXX XXXX XXXX - XXXX - Comenity/XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I believe the debt collecting company has inflated this bill. Also I believe their client has added charges by balance billing. 
I have disputed the bill and have requested an itemized statement- with dates of service, medical codes of all fees for service and a documentation of me consenting to the original amount due. 

I was told they could not supply the information. Prior to my call today, they did mail a very evasive statement- which was not detailed. Just an amount and a date.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Credit reporting company will not delete wrong information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Checking or savings account (Savings account) with NETSPEND CORPORATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On the evening of XX/XX/18 about XXXX XXXX I tried to open a savings account with my current bank of 8 months -- XXXX  XXXX XXXX. The account was approved and I XXXX from XXXX of XXXX tried to transfer XXXX from my Premiere Net Spend XXXX debit card. He informed me that the transaction would not go through because XXXX doesn't like or take that type of card from that institution. I've never run into this type of problem with my Net Spend debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. What happened next is Netspend ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. Netspend will not give it back with out XXXX writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, XXXX, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money

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 06-06-2015 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am submitting a complaint against Genesis Lending Services, They have been charging me during school and even when I was unemployed. I seek to discharge this loan due to the fact I never received any job placement and etc.

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 10/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: XXXX at Navient told that it will cost XXXX dollars to process my FORBEARANCE PAYMENT on XXXX XXXX, 2015. However, XXXX and her supervisor at Navient said they refused to give me a forbearance despite me being in-school and Navient taking XXXX dollars out of bank account. Navient is trying to ruin my credit and they must be stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at ACE Cash Express. 

I have prepared a request for debt validation to be mailed to XXXX XXXX XXXX on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: I submitted a request to transfer funds from my Paypal account to another person 's Paypal account on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received a notification from Paypal that the funds were transferred. I contacted Paypal on XXXX to ask why it took 7.5 weeks and I was never notified they were holding the funds. The rep apologized, said that was not their practice but could not explain why this would occur and suggested I send an e-mail to their Compliance Department. I did. No response. I called on XXXX and XXXX, with each rep saying I should have been notified and would look into it. I called on XXXX and requested compensation for the holding of the funds, the lack of notification and the lack of any response to my e-mail and phone calls, I was told the case is closed and I would be better off going to the Attorney General. 
Although, I am not out the funds I feel the practice of them holding funds for 7 weeks and their lack of notification should come with some penalty. Please advise if this is an acceptable practice. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.   XXXX   XXXX   XXXX  . This is an account that I have no knowledge of and it is not my debt! There are  XXXX  US Department of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.   XXXX   is also reporting  XXXX . These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We completed a trial modification in XX/XX/XXXX that we were offered through XXXX. XXXX took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. XXXX sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. XXXX sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for XXXX to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. Wells Fargo is the noteholder and is refusing to honor principal or interest forgiveness. XXXX did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For months Portfolio Recovery has called and called. I have ask for proof of debt and have sent them 2 letters requesting calls to stop. As of XX/XX/18 the calls continue on a regular basis and all from different numbers and I have not received a single document from original creditor to show debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: I, held a mortgage with Wells Fargo that was opened in XX/XX/XXXX of XX/XX/XXXXWith XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX and I were divorced. In XX/XX/XXXX, I filed chapter XXXX personal bankruptcy, and was discharged from the mortgage debt. In XX/XX/XXXX, I completed the deed-in-lieu, removing me from the loan in its entirety. This was recorded with XXXX County, New York on XX/XX/XXXX, as you can see below.
I am writing because you have falsely filed an FHA claim under my name, which is preventing me from obtaining a new mortgage. This is in direct violation of the deed-in-lieu process, and subsequently, I am facing strong financial setbacks due to your inaccurate reporting. Likewise, my ex-husband is currently in Chapter XXXX bankruptcy, which impedes the ability to file an FHA claim, as he is claiming sole ownership of the above mentioned property. If he is agreeing for a repayment terms, the ability to file a claim through the FHA is null and void. 
I am requesting that you immediately cancel/close out your FHA claim/CAIVRS file that was opened in error in my name. I am also including this notification to the CFPB and the Better Business Bureau. Should you be unable to resolve this issue timely, I will be forced to take this notification to the media, specifically XXXX XXXX news in XXXX, New York, XXXX, as I am suffering financial ruin in the inability to purchase a home in the amount of {$150000.00}. This sale must close by XX/XX/XXXX or we will lose our family home that has been in the family for over 100 years. Not only is this a significant emotional loss, however, the financial devastation that you are causing my family. I will seek financial damages should this not be resolved immediately for the cost of my new home.

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 06-07-2017 about Debt collection (Mortgage debt) with Jemcap LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court an d federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal a nd / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Departme nt of Consumer Affairs and this company has not responded as of yet ... the DCA can not e nforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok in our State against our citizens, under the radar.

Company response to consumer: Untimely response
Consumer complaint received 11/14/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: After several mishaps by TD bank and it 's retail subsidiaries including sending statements to the wrong address and charging fees on no fee accounts, my husband and I chose to close our accounts. So, on XXXX/XXXX/2016, we then went to the local TD branch ( XXXX and XXXX, XXXX, PA ) in person. Our expressed purpose that day was to close our joint checking and moneyline accounts. This was clearly, and explicitly, communicated to the representative we spoke to. As part of this process, we had a balance on the monelyline account which we paid via check from our new account a copy of which we have to prove the date of our visit. Despite having done so 8 days later I went online to make sure the account was closed to find that it was still open and that a transaction had occurred again resulting in fees since the account had a XXXX balance. The mishap with the retail account resulted in a negative inpact on my credit score which prior had been spotless for 15 years

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2017 about Debt collection (Mortgage debt) with CIT BANK, NATIONAL ASSOCIATION (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: 1. ) What is this complaint about? Illegal and Unlawful foreclosure 2. ) What type of problem are you having? I am having problems having authorities look into the procedures that were used to dispossess me from my property. It is my belief that the participants are debt collectors who do not possess the standing nor are real parties in interest and have conducted fraud against me and the court. 
3. ) What happened? My real property interest was wrested from my in what I believe was an illegal and unlawful manner resulting in me being dispossessed from my home. 
4. ) What company is this complaint about? XXXX XXXX XXXX 5. ) Who are the people involved? XXXX, XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX 


On or about XXXX XXXX, 2012 a foreclosure action was executed against my property in what I know to be an unlawful foreclosure by a third party debt collector. The foreclosure was initiated by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX through their agent ; a Law Firm by the name of XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT a Creditor/Lender or A Mortgagor of mine, nor have I applied for or either received any services or credit with the aforementioned.XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors who do not possess the requisite standing or real interest to sue for possession of my real property in a court of law. The collection of this debt was attempted in violation of the FDCPA 15 USC 1692 ( g ) and all corresponding consumer protection laws. 

The aforesaid entities have only provided copies of documents that are available through the public records that are easily accessible to anyone. I assert that those documents are forgeries and I am demanding that the debt be verified under penalty of perjury pursuant to the Fair Debt Collections Practices Act. 

The above named entities have not, nor have ever cooperated in the verification of the debt, nor have have not presented unimpeachable evidence that they are truly a creditor with standing to sue in a court of law.

Company response to consumer: Closed with explanation