milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2017 about Mortgage (FHA mortgage) with Selene Finance LP (RI).
Issue: Trouble during payment process

Complaint: Hello, I sent our Mortage Loan holder the following email. I do not understand why they can not waive the late fees. the fees are accumulating on our account and we can not do anything about it. i pay my mortgage every month but after the XX/XX/XXXX is there any other recourse i can take?? also, there was one month when i was out of work and i did not have the entire XXXX, so we sent in the principle only thinking they would credit our account. But instead they held the payment and put us in default and we were charged late fees, it took me months to finally pay the bal to get out of default. I am not sure that was even legal to do. 



Dear Selene, I am sending you this email regarding my mortgage loan and late fees. I have appealed to you before regarding the late fees you continue to charge my account. I had explained to you before, that we can not pay by theXX/XX/XXXX of the month because my husband is retired and his money comes at the end of the month. we do not have an addtional XXXX to send to you before the XX/XX/XXXX Before our mortage was acquired by you, we had XXXX XXXX XXXX, and they worked with us to waive the late fees. I pleaded to you to do the same. You pride yourself in helping your customers but i find this is not true. now the late fees are adding up and it is horrible. once again I ask that the late fees be terminated. we do pay each month but the end of the month. Or if you can give us one month reprieve, so that we can pay by the XX/XX/XXXX that will work also. Please advise XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXXXXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax refused to provide my free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MO).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX keeps reporting as collection of {$150.00} to XXXX XXXX XXXX I paid this bill I have cancelled check showing it was paid. 

I disputed it with both credit agencys XXXX XXXX and XXXX 
gave them 30 days to remove it. 

30 days later its back on my credit reports as unpaid. 

I am XXXX.. I call them via relay for XXXX, they tell me stuff like they ca n't accept relay calls, or they transfer me to another dept / colltion person.. and then the phone hangs up. 

Southwest credit Systems, now XXXX XXXX should be forced out of business these guys are dishonest! this one negative iten is preventing me from getting a loan, even though I show lender copy of check that it has been in fact PAID in full. they say sorry not until its removed from your credit report. but you ca n't get it reomed if the XXXX XXXX XXXX keep reporting it to credit agencys as unpaid.. 

the XXXX BBB has suspend Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX due t extermly high level of complaints about them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Attempt to send my $ to XXXX - denied. 

I call and the representative tells me about the risks of Cryptocurrencies. ( Which I find funny because this is my money ). 

2nd representative is straightforward and tells me that Capital One has decided to no longer support sending money ( even though it is my money ) to XXXX ( a legal company ). 

XXXX XXXX XXXX XXXX XXXX XXXX I file a complaint with CPFB at the end of XX/XX/XXXX. 

I received a letter ( XX/XX/2018 ) from Capital One stating ( attachment ) that they will give me an access code that may not work with all companies. [ To me this was just another gimmick to delay me as they already stated they wont honor my request to send my money to a legitimate business ]. 

XX/XX/2018 I logged on to my XXXX account and input their access codes and was denied. I have used various bank accounts and have NEVER had this problem. 

Again, to reiterate. This is not a credit card purchase. This is money in my bank that they REFUSE to allow me to transfer. They will not work with me that is why I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: sent dispute form to Trans Union for late payment inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX 2014 living with my grand farther in XXXX XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX 2014. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ 0High Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: American Express is not allowing me access to my Membership Rewards points after I have earned the points. I have an upcoming flight I need to transfer my points to and it 's frustrating how they advertise their rewards program and not allow you to use it. American Express refuses to let me speak to the department that handles it and refuses to give a timeline on when it should be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a phone call at my place of employment today and there was a voicemail left for me. I returned to call to find out they are attempting to collecting a debt for a visit to an emergency room. I informed them at the beginning of my call that I received a voicemail at my place of employment, after he explained what the debt was for I asked to not be contacted at work and that I would make a phone call myself to the company after I am out of work. He declined to acknowledge they were contacting me at work and asked how I would be taking care of the debt, which I informed him again I was at work and would discuss this at a different time. The collector then informed me I had 13 months to discuss my debt and have yet to do anything. I simply hung up after that statement.

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 02-03-2017 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: made a transaction for {$99.00} but was double charged on accident by merchant on XX/XX/2017 ... .i spoke with merchant and they cancelled the duplicate transaction. They have even faxed over an authorization release form to RushCard. I have called rush card XXXX times and have been hung up on by XXXX reps back to back as of today XX/XX/2017. I am highly upset and displeased with how they handle their customers. i requested to speak with a supervisor over XXXX times today and was refused each time by both reps and then they just disconnected the call. I think that is very rude and unprofessional behavior. I was only trying to get them to release the hold on the duplicate transaction of {$99.00} which they have done for me in the past. But for whatever reason I am having the hardest time getting assistance. They are located in XXXX somewhere and they dont even speak XXXX. Their customer service sucks and something needs to be done to force RushCard to use XXXX customer service reps who can understand the customer 's concern and provide superior service!

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with Media Collections, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Sirs : XXXX XXXX XXXX XXXX a debt collector, is attempting to collect debt not owed by me. I do not owe anything to the company, XXXX XXXX they 're representing. In fact, XXXX XXXX confirmed that they were giving me credit for the fraud that they tried to perpetuate on me. So by XXXX XXXX XXXX XXXX XXXX  representation and extension, I am filing a complaint to stop this misrepresentation and stop a potential re-occurrence of fraud. I attach all the related documents.

Here is a summary of the sequence of events.

1. On XX/XX/XXXX, my wife and I reserved/rented a car with XXXX XXXX in XXXX for four days and returned it exactly as per rental agreement.

2. On XX/XX/XXXX, XXXX XXXX issued a fraud alert saying XXXX XXXX attempted to charge us for {$120.00}, which the bank declined. We had no idea what the charge was for.

3. On XX/XX/XXXXXXXX XXXX ( XXXX ) emailed me saying my car was overdue. I replied right away saying I returned it on time.

4. OnXX/XX/XXXX XXXX XXXX, rather than replying to me, charged me an extra {$280.00} ( equivalent dollars ) through our XXXX XXXX without explanation. Looking at the charge, they claimed I returned the car 3 days later.

5. Sensing fraud, I immediately disputed said amount through XXXX Fraud Alert department.

6. After a back-and-forth with XXXX through XXXX and explaining what happened presenting evidence that we left the country on XX/XX/XXXX, XXXX finally gave us a credit through XXXX and bank notified us onXX/XX/XXXX that this was resolved.

7. Despite this, XXXX sent us a collection notice directly by mail and followed up by email in the person of XXXX XXXX on XX/XX/XXXX - about two and a half-months later. I replied right away that this has been resolved and their company sent me a credit note, which I attached in my emailed reply.

8. XXXX XXXX XXXX acknowledged it but still insisted on payment. She threatened sending the already resolved dispute to a collection agency. This is extortion. Why would I go through another potential misuse of my card? ( Please note that there was a fraudulent charge from an XXXX vendor while the dispute was going on. I only used the XXXX card for XXXX XXXX and nothing else. ) 9. JXXXX XXXX XXXX XXXX  through their representation, is perpetuating this fraudulent charge without verification.

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 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I sent two Validation of Debt certified letters to Receivable Performance. They have never responded to my request. Furthermore, the conducted credit inquires without authorization bt me either in written or oral form.

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 04-12-2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Trouble during payment process

Complaint: I received this enclosed escrow statement from Bank Of America stating that I have an projected escrow short fall of {$330.00} for XX/XX/XXXX. My escrow account was review at the beginning of XX/XX/XXXX. I contacted Bank of American in XXXX and XX/XX/XXXX and was informed that I didnt have a short fall in my escrow account for XX/XX/XXXX. All of my obligations were paid for XX/XX/XXXX from my current escrow account. The account as of today, XX/XX/XXXX, doesnt have a short fall. All require payment from the account will be paid. 
I called Bank of American XXXX XXXX XXXX to find out why I received a letter about XX/XX/XXXX when we are still in XX/XX/XXXX. I spoke to XXXX, in XXXX, he informed me that my account was evaluated again using the projected insurance and tax amounts for XX/XX/XXXX and they arrived at this amount. I asked XXXX, was my current escrow account short. XXXX said no, the account was current. I asked him how this assessment could be done again in this year when Bank of American has not received any bills for XX/XX/XXXX. 
I told XXXX, if I paid this amount that was cause me escrow account to have an overage and that I didnt think that was legal. How can I be expected to pay for a XX/XX/XXXX escrow short fall when the bills have not been submitted to Bank of America for XX/XX/XXXX. XXXX transferred me to XXXX, a manager, and we had the same discussion. She informed me that there was nothing she could do. She filed a complaint for me with the bank. 
This is in my view, on the situation. It is a form of extortion because I am being forced to pay a debt that has not happened. Bank of America doesnt have any bills to pay regarding my account for XX/XX/XXXX. They will hold my funds and millions of other customers as an asset to make loans and draw interest to increase their profits.

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 02/18/2016 about Debt collection (I do not know) with Conn's, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting calls on my cell phone for someone elses debt

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I opened up a CitiGold account in XXXX 2016 with my eligible promotion code to receive XXXX XXXX miles upon meeting the requirements. I got a verbal confirmation over the phone and written confirmation that the code was attached and applied to my opened account. Once I met the requirements, I called and asked for confirmation of meeting the requirements. However, upon this request, I was informed that I was not eligible for this promotion because I was not targeted. However, the promotion code should not have been applied to my account if I was not eligible, and this eligibility was confirmed upon opening the account. I have been back and forth through Secure Message and over the phone with customer service to resolve this issue for the past month and a half. They ask for physical confirmation of my targeted statement, which I did not keep since I had been confirmed upon opening my account that I was eligible. Since then, I have been charged a monthly service fee and continue to be denied my rewards.

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 01/27/2016 about Payday loan () with Clarity Services (CA).
Issue: Received a loan I didn't apply for

Complaint: Clarity Services inc. called my cell phone and my job and said I requested a payday loan. I spoke with them directly on XXXX/XXXX/16 and told them I never applied for this loan. I was notified by my credit monitoring service that I had a new credit inquiry on my report. I never applied nor authorized any from this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX is reporting to XXXX and Experian a 60 day late in XXXX XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted XXXX XXXX/XXXX/XXXX. Transition updated their information, but XXXX and Experian continue to read a 60 day late in XXXX XXXX. <P/>XXXX/XXXX/XXXX I contacted XXXX and Experian. They told me to contact XXXX. XXXX/XXXX/XXXX I contacted XXXX whom told me the information was updated and sent to the credit reporting agencies. XXXX told me to contact the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.

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 05/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX working on the client 's behalf. My client was facing foreclosure. On XXXX/XXXX/15 the client submitted his first payment in participation of the 90 day deferment opportunity offered by Colorado Statute. All deadlines were met and the payment was sent according to the attorney 's instructions. On XXXX the payment was rejected by the loan servicer, Nationstar. My client called Nationstar and he was told by a representative that they do not " participate '' in the 90 day deferment. I contacted the attorney, XXXX and was told it would be taken care of, and that Nationstar did not have an option to " not participate '' per Colorado statute. I instructed the client to resubmit the payment. The second payment for the second month of the deferment was sent at this time as well. On XXXX/XXXX/15, both payments were sent back to my client. I contacted the attorney again, and was told they 'd be setting up a conference call with Nationstar to get it straightened out, and to resubmit the payments. I instructed my client to do so. On XXXX/XXXX/15, we filed an intent to cure, because my client had the funds to cure the mortgage delinquency. The attorney did not respond with figures until XXXX, after a second request for the figures had been sent. My client took the payment for curing the delinquency, in person, to the public trustee 's office and cured his delinquency. On XXXX/XXXX/15, my client received both of his deferment payments back again and a letter from Nationstar saying he now owed approximately {$2000.00} more than what the cure figures stated. I have attempted to contact the attorney and have not heard back. The public trustee of XXXX County had honored the deferment, and has withdrawn the foreclosure due to the payment to cure the delinquency. But Nationstar still has my client 's mortgage in an active foreclosure, and my client is not sure what to do next OR what to do with his XXXX money orders for the 90 day deferment. XXXX of the money orders is set to expire XXXX XXXX, so he will be depositing the money back into his account. If the deferment payments would have been accepted, as they should have been, his cure figures would have been different than the amount he paid. Additionally, he will be owed back some of the fees paid in the cure payment that had not yet actually accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2018 I sent Resurgent Capital Services a debt validation letter by certified mail asking them to provide me with the following ... 
- Agreement with your client that grants you the authority to collect on this alleged debt. 
- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful They failed to do so. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

Resurgent Capital Services has failed to validate this debt as they have not sent anything to validate the debt, the letter they sent just states they have initiated a review of the account which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly verified because they did not properly validate the debt and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation