milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: WE, COMPLETED AN IN-HOUSE TRIAL PERIOD PLAN FOR 6 MONTHS OF {$4900.00} PER MONTH, TOTAL POSTED CHECKS BY FAY {$29000.00} WHICH FAY HAS NOT CURRENTLY APPLIED PAYMENTS TO OUR CURRENT MORTGAGE, FAY HAS ADDED {$100000.00} EXCESSIVE FEES TO THE MORTGAGE PRINCIPAL WHILE I WAS STILL IN BANKRUPTCY IN XXXX. 

FAY OFFERED ON XXXX/XXXX/XXXX AN PERMANET LOAN MODIFICATION OF {$5000.00} FOR A SHORT TERM 20 YEAR FIX WITH AN BALLOON PAYMENT OF {$16000.00} TO BE PAID IN FULL XXXX ON MATURE DATE. 

THIS MODIFICATION IS NOT AN AFFORDABLE MONTHLY PAYMENT FOR 20 YEARS, THIS MODIFICATION WILL FORCE ME A DEFAULT ON LOAN FOR MY HOME TO BE FORECLOSED FOR AN TRUSTEE SALE. 

FAY SERVICING ; STRATIGIES ARE TO DENIE MODIFICATION APPLICATIONS TO GENERATE, EXCESSIVE DOLLARS TO YOUR LOAN, TO MAKE IT IMPOSSIBLE TO SAVE YOUR HOME. 

I, BELIEVE ; FAY SERVICING IS IN VIOLATIONS OF " MORTGAGE FRAUD ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: CAPITAL ONE CC # XXXX HAS BEEN PAID OFF > STILL SHOWS A BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: We wanted to refinance our mortgage and were well into the process when the broker requested a payoff amount. When we got the statement with the payoff amount from the loan servicing company, it included a request to pay roughly {$5100.00} for property taxes. 

This was odd, because XXXX XXXX XXXX held our property taxes in escrow every month and had over {$7100.00} in an escrow account. Why did they need an additional {$5100.00}? 

We called and asked and they said the {$5100.00} was to pay property taxes if the loan closed after the taxes were due. We were thoroughly confused because - of course - they had {$7100.00} in an escrow account they could use to pay the {$5100.00} in property taxes. 

So, I was stuck. The lender would not refi the mortgage without a proper payoff amount and XXXX XXXX XXXX would not change the payoff amount. I eventually called an attorney and he got the loan servicer to update the payoff amount. 

We thought we were in good shape, but then the broker told me the new lender was dragging their feet and that we would need to finance an additional {$5100.00} to cover the property taxes. 

It did n't make any sense, but we were in a very bad mortgage and we desperately needed to lower the payment so we just XXXX XXXX the {$5100.00} only increased our payment by {$12.00} a month, and we assumed we would be getting the escrow amount of {$7100.00} back, so we just went with the new loan. 

Last week, we received an escrow distribution of {$1200.00}. They kept roughly {$6000.00} and we financed an additional {$5100.00}. I do n't know who cheated us out of our money but it 's clear to me that we were taken advantage of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with REGIONS FINANCIAL CORPORATION (LA).
Issue: Balance transfer

Complaint: I recently had XXXX unauthorized balance transfers appear on my Regions Visa credit card statement. XXXX transfers were from XXXX and XXXX from XXXX. I do not have a XXXX or XXXX card or account. XXXX credited one charge but not the other one. The first transfer occurred from XXXX on XX/XX/2017 in the amount of {$2600.00} plus a transfer fee of {$79.00}. The next transfer from XXXX occurred on XX/XX/2017 for {$2400.00} with a transfer fee of {$73.00}. This transfer was credited back on XX/XX/XXXX. XXXX made a transfer on XX/XX/XXXX for {$1500.00} with a fee of {$47.00}. I made a complaint with Regions and received today a notice stating they found no error and are not correcting the fraudulent charges.

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 01/30/2017 about Credit card () with Continental Finance Company, LLC (MS).
Issue: Other

Complaint: I was told by general manager that he received a call from a gentleman from a law office and was told I had approx 1-2 hrs to contact him before a garnishment was enforced. I called the gentlemen & was told I would be garnished for {$4400.00} unless I made payment arrangements today for the balance due to a non response to a letter I never received. Because I told him I never got the letter, his client would consider a payment arrangement for {$2000.00} in 6 payments of XXXX monthly. If I default on arrange, the payment reverts back to original amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Medical) with Ability Recovery Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt does not belong to me. Does this company " Ability Recovery '' whom I 've never heard of have any financial instrument with my signature on it? 

I do not owe this money. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (Store credit card) with Atlanticus Services Corporation (MN).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: my husband was involved in a XXXX XXXX collision and hospitalized. we lost his income for 30 days. Durring that time all I could cover was our mortgage and utilities. I explained the situation and they continued to call me each hour on the hour while I was at work. They demanded to know who my employer was and threatened to call my boss. they told me if I didn't pay they would garnish my wages. I made a payment over the phone totaling {$310.00} so they would leave me alone. Then I had to go to a food shelf because that was all the money me and my husband had. They are a scam. 

when XXXX XXXX offered me their credit card at the register, I thought it was a real XXXX XXXX credit card. Instead I got this card from XXXX. They tripled my payment within 6 months. It is a complete scam. 

I am working through a debt management plan and they refuse to work with me. They told me I should file bankruptcy because unless I do they are going to get their money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: This is an extension of complaint XXXX. Syncrony bank states that they resolved the issue by mail. They resolved nothing. Nothing has been resolved with this matter. They violated FCRA XXXX here in California. I filed a case against them and I was unable to show up because I am temporairly XXXX and the court stated that I could file again against them if I chose to, which I plan to unless Synrony pays for the statuorty damages for contacting me by phone when i did not ask them to contact me by phone in writting and verbally. 

If Synchrony bank responds back stating that they have no record I will infact use that against them in court and they will have infact purgered themselves because they would be lying. I have all the records I need to show a judge ( AND ONLY THE JUDGE OR ON THE DAY SMALL CLAIMS COURT ) That I indeed was contacted and that the call was recorded. 

Please consider this my one any only chance to mediate this situation in the form of {$1000.00} in debt forgiveness or I will be filing for {$3000.00} in small claims court or perhaps giving this to a Civil attorney. 

Please do not contact me by phone about this matter you can email me, but no phone calls if you wish to discuss settlement XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I am not happy with Green Tree. We have a loan and have paid it perfect. For the last ten years we paid them through our bill pay at our bank. Now, for the payoff and last payment they will not take that method of payment. Their response is " You HAVE to send a wire transfer or check by mail. '' I 'm XXXX and it 's difficult for me to go to the bank. They say it 's because the payment needs to be transferred through a different location. I tell them that 's their problem as it 's internal. I want to make my payment in good faith. They refuse my payment and give me no help at all. I use my bill pay or my debit to pay them usually.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted a dispute to Experian 3 times stating that I have never lived at the address being reported, and it still has not been fixed. Any time I log in to check the status, it does not even say that it is under review. An additional complaint is that I logged in about 20 minutes ago to check it, it had n't been changed, so I came to CFPB to submit a complaint. I started the process, then thought maybe I would try one last dispute before I complained, but now when I try to log in, it says " We are unable to allow access to our online dispute service '' and because of privacy reasons they " can not provide a specific reason '' why. I have a feeling, though, that they were alerted that I started a complaint, and blocked my access. So I 'm back at CFPB to file a complaint over the simple manner of an incorrect address that they would not resolve on their own.

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 07/14/2017 about Debt collection (Other debt) with Colony Brands, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contested a XXXX dollar bill with the company Swiss Colony in XX/XX/XXXX. On XX/XX/XXXX 2017 They  responded with two letters stating that the account does not belong to me and that they have contacted the credit reporting agencies to have this account removed. In the process of getting a mortgage the collection account is still showing in XXXX, I have submitted letters two XXXX and call them and was told that when they call Swiss Colony there computer still showing the account as belonging to me Help.

Company response to consumer: Untimely response
Consumer complaint received 04-06-2018 about Debt collection (Other debt) with Ray Klein, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I CALLED AND TRIED TO PAY THIS DEBT AND COULD NOT GET THME TO TO TAKE MY PAYMENT OR TO TALK TO ME ABOUT ADJUSTING THE COMPANY JUST KEPT CHARGING ME LATE FEES AFTER BEING UNABLE TO GET THEM TO AKE MY MONEY SO I DONT REALLY OWE ALL THIS MONEY BESIDES I KEEP HAVING TO CHASE THE CREDIT COLLECTIONS EFFORTS I THINK THIS IS THE SECOND THIRD FOURTH COLLECTION AGENCY TRIING TO COLLECT ITS A FRAUDULENT SCHEMA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I walked in a dealership XXXX XXXX of XXXX Pennsylvania I specifically told the sales rep not to run a hard inquiry and I did n't sign everything with them on X/XX/17. The sales rep hit my credit with a hard hit anyway after I told him soft hit only and this was not the first time it happened to me with this dealership! The first time the company ran my credit to multiple bank 's without my permission. I also feel the company overcharged me for the vehicle I received.

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 06-03-2016 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX billed for six years then turned to cll. agency afyer I paid them without missing a payment for over six years!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are XXXX issues that is so frustrating. I have a freeze on my credit report since 2008. However, I am receiving credit cards, and loan offers from companies. The second issue is with XXXX and Experian : Each time I want to lift the freeze from my credit report temporarily I have to send a letter, copy of my ID, bills, copy of my social security card etc., despite the fact I was issued a PIN NUMBER number and I was informed that I could remove the freeze temporarily online. Finally, it is most difficult to speak to a representative over the phone regarding such matters. It is not difficult to speak to a representative for services that the consumer reporting agency is selling such as credit tracking. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Prepaid card (Payroll card) with NETSPEND CORPORATION (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I called XXXX XXXX in reference to transaction from XXXX XXXX XXXX for XXXX wanted this returned to account for no services provided and they Blocked my card and living I the bought new card ending XXXX and tried activating but Netspend told me to email verification ID. Social security card. XXXX bills and I did 10 times to XXXXXXXXXXXX spoke to several foreign degrading reps then. @ XXXX XXXX XXXX XXXX advise they have email.but I will only have unlimited use and I ca n't transfer money from blocked card ending XXXX. This Is only financial Institutions in united states that is treating consumers like this and the Government Needs to shut them.down!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX has been reporting a negative information on my credit files with credit reporting agencies under account number XXXX. It is manipulating account data details of the said account on my credit reports with credit reporting agencies in a way that 's causing my credit score to constantly and substantially drop in a absence of any new derogatory information. This is an extortion tactic to extract money I do not owe. Since XXXX XXXX XXXX XXXX has been reporting a negative account on my credit reports under different account Types : Factoring account, debt buyer, collection account, open account ... .In XXXX XXXX it reported the same disputed account that was already on my credit report since XXXX XXXX as a new collection account causing roughly a XXXX points drop in my XXXX and XXXX credit scores. Recently in XXXX I disputed errors with account details with credit reporting agencies mainly with XXXX and XXXX providing evidence that they were reporting inaccurately compared to Experian. When the XXXX agencies forwarded the Experian credit report I supplied as evidence to XXXX XXXX, suddenly on XXXX XXXX I was alerted of a XXXX points score drop on my Experian credit report even though no derogatory information was reported on my credit report with Experian. On XXXX XXXX my Experian score was XXXX, on XXXX XXXX it dropped to XXXX without any reason except what I suspect was data manipulations by XXXX XXXX. XXXX XXXX also caused a further drop of about XXXX points on my XXXX credit report by pulling the account around XXXX XXXX and reinserting it the next day making the account impact my credit as a new derogatory account. I was aware of this shenanigan when XXXX alerted me that XXXX was no longer listing the disputed collection account on XXXX XXXX but then the account suddenly reappeared and was reported on XXXX XXXX on my XXXX credit report. It is abundantly clear to me that XXXX XXXX is manipulating account details ( terms, status, dates, etc ... ) to make the disputed negative account perpetually appear on my credit reports as a new derogatory account. There is no other reason that can explain the substantial drop in my credit scores. 
In addition to data manipulations, XXXX XXXX which has had no dealings with me has been falsely reporting account payment history for that " debt buyer '' disputed account with credit reporting agencies. It also has been reporting an open collection account from an alleged charged off account they supposedly bought from XXXX and with past due amount even though I 've never opened an account with XXXX XXXX and never had a contractual agreement to make monthly payments at a certain date on the reported negative account.

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 07-09-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I received a letter in the mail from a collections company in regards to an unpaid balance of {$80.00} from Suntrust. Once I called XXXX XXXX XXXX in MA, they informed me that I overdrew my Suntrust account which was opened in 2012. They do not have any details on if money was ever entered into the account or withdrawn? I was astonished because I have never been a member of Suntrust. My next step was to call Suntrust, who I explained my situation to. They transferred me from department to department several times before I ended up initially where I placed my call. The representative then said she was going to get her manager for assistance and hung up. I have tried calling XXXX more times and the same exact thing happened! Finally an agent placed a claim and told me I would hear something back in 24 hours, which never happened. I asked them to delete the bank account and contact the collection company, which has not taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On Sunday, XXXX XXXX, 2016 XXXX, I received a free fraud text alert from BarclayCard concerning a {$300.00} charge at XXXX XXXX XXXX and was a advised to reply XXXX if valid and XXXX if not valid. I replied XXXX and got a responding text to all XXXX and reference a pin number given. I spoke to the rep at BarclayCard and went over several transactions to find that several were done fraudulently starting on XXXX XXXX, 2016 with a charge of {$300.00}. I explained to the rep that I may have lost my card. I checked and found that I did lose the credit card along with data card and insurance card when I emptied my wallet in a stateroom during a cruise I was on. Other transactions the rep mentioned were done at a XXXX at XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, and XXXX XXXX in XXXX, FL - all of which were done on XXXX XXXX, 2016, which at the time I explained that I just left a friend 's XXXX weekend pool event/gathering in XXXX. 

On XXXX XXXX, 2016, I called Barclaycard to get an update since the fraudulent charges were placed back on my account. The representative explain that the fraud claim was denied because the representative that had filed the claim put down that I had my card even that I told him that I did not. I explained this to her and was transferred to the Fraud Investigations Department where the rep a advised that I fax in a police report. 
On XXXX XXXX, 2016, I faxed over a XXXX XXXX Sheriff Office Report to Barclay 's fax number XXXX. After no updates a week later, I again faxed over the Report on XXXX XXXX, 2016 and also called to get an update. Representative advised that a Statement of Fraud was sent to my mailing address. 
On the same day, I checked my mail, filled out the Statement of Fraud, and sent it back. 
Until now, Barclaycard holds me liable for transactions that were done fraudulently. I have yet to hear back on any updates even after faxing and sending the requested police report.

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