milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We got a loan modification from XXXX XXXX in XXXX in which they made a bank error and did not credit us with a returned check which we made good and they capitalized our loan {$12000.00} in excess. When XXXX took over the loan, they did not give us credit for XXXX payments we made in XXXX totalling {$6200.00} From XXXX, XXXX to XXXX, XXXX, when we received a modification from XXXX, XXXX payments were not credited to our account totalling {$18000.00}. From XXXX, XXXX to XXXX, XXXX we have found that {$33000.00} was capitalized into our mortgage account for escrow charges for taxes and insurance. We paid the home owner 's policy from XXXX to XXXX, XXXX when XXXX put the insurance and taxes into an impound account. However during the time we were paying the home owner 's policy, XXXX charged our escrow account {$7400.00} for home owner 's insurance which we ourselves paid. We have a letter from the insurance company substantiating our claim. 
According to our records, {$9800.00} was capitalized to my mortgage account for taxes and insurance which represents an excessive charge to my mortgage account. Also according to our records, {$23000.00} was charged to my mortgage account for accrued interest and late charges from XXXX, XXXX to XXXX, XXXX. This represents an excessive charge to my mortgage account. We have submitted documents to XXXX and now SPS Loan Servicing who is the present loan servicer on the account verfiying all payments we have made on the account from XXXX to XXXX, thus confirming our claim that many bank errors were made on our account and that XXXX owes us approximately {$100000.00} on our account plus applicable interest from XXXX when XXXX bought the loan servicing rights on the loan to the time when XXXX gave us a loan modification in XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Payday loan, title loan, or personal loan (Payday loan) with AmeriCash Holding LLC (IL).
Issue: Struggling to pay your loan

Complaint: I 'm currently having hardship and I ca n't make regular payments. I informed creditor that I 'm trying to figure out my situation and that I will contact them as far as payments. Creditor was sent a letter. I 've never received any I written notification from creditor with attempt to garnish my wages. Creditor sent a letter to my employer without my knowledge or proper notification. I 've never had chance to talk to creditor and try to avoid garnishment. I 've never received any written or verbal communication from creditor

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX items on my Equifax credit report they will not remove, I have disputed all XXXX by calling and sending them a letter. They still refuse to remove these items from my credit report. They have only posted comments, ( Consumer disputes this account information ), but when I apply for credit I am denied because of these items on my credit report. 

The XXXX item I did file a bankruptcy back in 2006. The law says after 7 years of the date of filing a chapter XXXX bankruptcy it is to be remove from a credit report. As you see Equipfax still has this bankruptcy on my credit report 9 years later. 
Filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual 's credit report for up to 7 years for Chapter XXXX ( up to 10 years for Chapter XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Student loan (Non-federal student loan) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I would like to file a complaint about my loan servicer ACS educational services. I submitted an IBR form online which was not accepted electronically. I submitted hard copies of my XXXX as well as their form. The years have not processed it. I repeatedly spoke to them and resubmitted the former following their instructions and their guidelines. They keep sending me reasons why they can not process my IBR. I have not had this problem with my other loan company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest Recovery Systems placed an account in collections under all three of my credit bureau reports XXXX as of XX/XX/XXXX in the amount of {$810.00}. I have not received any written or verbal communication from this company regarding this collection nor have they allowed me the chance to validate this debt prior to placing it into collections on my reports. My credit reports state this account went unpaid as of XXXX which is not true! I have not had any unpaid accounts in more than 7 years as I have watched my credit reports vigorously. Therefore, this can not be correct. The account number listed on the reports for this collection is # XXXX. If this company can not validate or verify this debt they are not allowed to collect it. Also, an account can not be reported if the ORIGINAL DATE OF DELINQUENCY is more than seven years. Midwest Recovery Systems will need to provide proof of the original delinquency date which is the date the account first became delinquent ( with original debtor ) and after which it was never again brought current in order to continue reporting. 
Address on file : XXXX, MO XXXX or XXXX XXXX MO XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: APR or interest rate

Complaint: I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
If AMEX will not either reverse the charges or absorb the charges we ask that the interest charges be held in abeyance for a period of 2 years from the final dispute resolution date ( this was last week ) as it was agreed by AMEX ( and why we obtained the XXXX cash card ) that the vendor would reverse the charges and then recharge to the simply cash card. This was to allow us time to receive payment from XXXX Collection for our XXXX XXXX so we could pay the entire balance off. Thus providing this time with no interest charges to either fully address this, obtain other resolution, or reasonable time to pay the card off for charges that should not be on our card. Is AMEX willing to do this? 
I expect answers to be provided through this system and not via separate mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A Paypal credit account was opened in my name and charged {$220.00}. When I informed Paypal, they asked me to send an affidavit. After sending the affidavit, they rejected my claim- and I am still being held liable. I called, and they rejected my claim again. I did not open this account, and I should not be held liable for their poor fraud prevention systems.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've asked before this is my 3rd dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and XXXX and Equifax credit reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my 3rd dispute on this issue ... .since the Equifax data breach my information has been exposed I have asked that Equifax , XXXX and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

Equifax please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... .see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on there twice ) remove one at least

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called resurgent capitol services on XXXX XXXX for a letter stating i own XXXX cents for XXXX XXXX XXXX bill the operator I spoke to threatened to sue me from a Debt I do n't own dating back to the year of XXXX

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 Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing these same 2 accounts for the last year or so with all 3 bureaus. My file had a address i have never resided at, it took them 3 years to finally report my actual address. Even though i told experian to update it. I 'll be turning XXXX soon ..and the XXXX XXXX accounts were opened in XX/XX/XXXX meaning i was under the age of XXXX when they were opened. But experian claims im older than im stating so I 've provided them with my birth certificate several times. I 've uploaded my parents lease and provided proof of my address from XX/XX/XXXX-XX/XX/XXXX which has been the same. So how can i live at 2 address?? I know it is illegal to contain false and inaccurate information on a credit report. I have gotten a attorney involved, i gave XXXX XXXX XXXX permission to access my reports. As far as my attorney is stating, Experian is violating several laws. Therefore i am tired of disputing these frivolous accounts. So after XX/XX/XXXX. I will have my attorney dealing with this matter from there on out. So please show me validity of these accounts..such as contracts and or agreements bearing my signature proving they in fact belong to me.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: On XXXX XXXX, 2017 a certified letter ( see attached ) was mailed to XXXX XXXX about the public record reporting negatively on my credit report. In this letter it describes how maintaining this unconfirmed, unverified, and erroneous public record on my credit report has stopped me from obtaining credit and has caused financial damages as a result. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL FURNISHER, they must remove said information from the consumer credit file. I have called the clerk of Court and also obtained written evidence supporting the fact that TransUnion despite what it says in it 's response letter did not obtain information about a Bankruptcy from a credible original source. TransUnion continues to maintain incorrect unverified accounts on my credit report but by far this reporting is the more egregious of them all. TransUnion is in direct violation of Federal Consumer laws put in place to protect the integrity of the reporting process and consumer 's rights to fair and lawful reporting. TransUnion sent a response letter dated XXXX XXXX, 2017 stating the public record was " verified and accurate '' which is a complete fabrication.
Trans Union of course will never be able to provide me copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature because it NEVER CAME FROM THE ORIGINAL SOURCE AS THE FEDERAL LAW REQUIRES. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

So TransUnion must be calling the County Clerk a liar because the evidence is clear that this information was illegally obtained by nefarious ways to malign my good name and credit and is clearly a violation of ethical proportions.

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 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: On XX/XX/XXXX, I applied for a SEARS MasterCard while making a purchase at the SEARS in XXXX XXXX in XXXX XXXX, MI. I was accepted and given a credit line of {$6000.00}. I have not received the card. I called Citibank nearly twenty times on XX/XX/XXXX. I was told that I should have received my credit card a while ago. I was told that my address was not the address on the account, and that my phone number was not the one on record so they could not verify that it was me calling. Even though they stated that my phone number and address did not match their records, they left a message on my answering machine using the phone number that they claimed was invalid questioning recent activity on the credit card. I was told that they would send paperwork to my address according to public record immediately. I have not received anything. I was offered twenty off my purchase at Sears by applying for this credit card, it would have been worth the extra twenty to have avoided the stress this is causing me.

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 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: XXXX I did some purchase fro Paypal Credit. for the amount of {$240.00} They are overcharge me {$400.00} per purchase. I did n't use my credit card for this date XXXX XXXX, 2016. Also I sent many time some documents as well as Bank Account, receipt and etc. I did many phone call even in XXXX and XXXX. I return a purchase fro amount {$130.00} from XXXX 2016 and They do not want to debit the amount of the purchase {$130.00}. they always charge me overtime, having paid almost all of the debt. I did some many phone call and nobody help me. Please help me as soon as possible with this matter. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with ERC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX claimed I owe XXXX. They could not provide me with “validation”; that is competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I have not heard from the company saying that I owe them. Also when I called I got no response. A certified letter was sent and I received nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Management Partners, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   sent information in  XXXX  about unpaid  XXXX  I sent them a check that same month, They never cased the check and I was never notified that {$63.00} was still due on the account, this company already was not paid by my insurance company due to them submitting the claim to the wrong department and now the submit a  XXXX  collection to my credit report using a credit collection agency and then did not use the correct address.     I called collection agency and they also sent the notices with incomplete address

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (I do not know) with Grant & Weber (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: My XXXX Credit Report says Grant & Weber Inc XXXX Collection opened XX/XX/2015 {$210.00} This is not mine. I do not have a relationship with these people, and I have never heard from them. This is not mine and I need it removed so that I can get my new home loan! This is unfair.

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 07/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 e ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. 
The companies are : MIDLAND FUNDING LLCXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Vehicle loan or lease (Loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have a XXXX XXXX XXXX XXXX financed through XXXX XXXX XXXX payments are due the XXXX of the month with a 10 day grace period If the payment is not made on the XXXX the next day I start getting phone calls wanting to know when I will make the payment three or four times a day almost everyday anywhere from XXXX XXXX to XXXX XXXX I give them my address and contact phone number. I am a XXXX XXXX XXXX my truck was in the repair shop for three weeks with no other source of income tried to explain this to them and all they want to know is if I can make a payment by credit card or post dated check nothing seems to make a difference to these people they are relentless in their attempt to collect their money. I feel this is harassment to collect this debt. I have other loans with other people and very seldom receive any calls and if I do we resolve the issue with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Years XX/XX/XXXX & XX/XX/XXXX I have tried multiple times to contact this place in addition to the credit bureaus to let them know that I am not responsible for this debt I have been a victim of identity theft My car was stolen in XX/XX/XXXX, my home was vandalized in XX/XX/XXXX among other issues I encountered with my taxes where someone tried to file an amended tax return in my name This Place XXXX XXXX will not budge and continue to say I owe them the money when I did not sign up for any school or education assistance with them The Credit Reporting agencies does not believe and will not remove it I did not even receive any kinds of billing which would have alerted me earlier than when I first found out

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX I went into Bank Of America located on XXXX in XXXX Texas to open a savings account. While pulling up the computer screen then associate told me that I had an invite to open up another credit card account with Bank Of America. After completing the paper work for my savings account she filled out an application for me for another credit card. I was denied! I found it very strange because Bank of America had been sending this invite to me very frequently since last year. After returning home I decided to call the bank and ask them to review application and asked them why I was declined! The representative told me to wait until my decline letter came in the mail. At that point, I asked to speak to a supervisor. The supervisor told me that I was denied because I had XXXX account that were sold in XX/XX/XXXX. I told him that I only had XXXX account with Bank Of America in XX/XX/XXXX that my lawyer took care of when I filed bankruptcy. I told them that was not fair because I cleared up my credit and it is in good standing. He said how do you know, I told him that I check my credit report frequently. So after going back and forth he decided to connect with their review department. I spoke with someone in their review department and told them that I only had XXXX account with Bank Of America in XX/XX/XXXX which was taken care of by my attorney when I filed bankruptcy. Also. I asked her for the copies. She said that she did n't have the application or the reports on the accounts because they were sold off. She also told me since they were sold off that that was not a reason for them to deny me credit. With this being said, I believe Bank Of America denied me credit based on false incorrect information. This is against the law according to the Fair Credit Act, The Consumer Act, and Unfair Business Practices!

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