milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: SPS Servicing currently services my mortgage. I have lived here for 15 years. On XXXX XXXX, 2016 I became a victim of identity theft. Taxes were filed using my ssn. Fraud report filed. All XXXX credit bureaus put a freeze on my credit. I contacted SPS immediately as I did any/all accounts I pay. I did not want a loan modification. Just wanted to communicate why I fell behind. They refuse to work with me on the mere {$4000.00} I am behind. No option to pay in 1-3 months along with my current mortgage which is very affordable ( {$810.00} ) They have more than enough documentation as to why and how I fell behind. I am victimized twice! My identity was stolen. Bank accounts hacked, had to close them. Sons college loans I had to cancel. It 's rather simple, and they refuse to give me either a 1-3 month agreement to pay the arrearages or a specific date that I had to pay by. This company does not only practice in bad faith, but they lose everything, do n't note any comments in computer, and have discriminated against me. I intend on contacting the list of departments the FTC gave me today as well as the Attorney General office. I am done being the victim, communicating, sending in documents repeatedly pertaining to my identity theft only to have the lost. My salary ( which I have all my XXXX forms clearly indicate that I can easily maintain $ XXXX/month. SPS is playing games, thankfully I caught on very quickly. I will also be starting a web page for other consumers being lied to, not offered modifications, not offered payment plans, being discriminated against ... .the list goes on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Credit card) with Synovus Bank (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hi I been living out of the country from XX/XX/XXXX-XX/XX/XXXX I have a sever case of Identity theft. I see this company has listed info on my credit file. I do not owe or did I authorize for anything to be put or open on my credit. This is Identity and finical theft. please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Vehicle loan or lease (Loan) with Automobile Acceptance Corporation (GA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: Automobile Acceptance Corporation & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX never served me with a suit and fraudulently filed a garnishment of my bank account for {$21000.00} According to the paper work it reaches the statute of limitations and the attorney who is acting as a debt collector failed to send me the proper paper work to view this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 
I have attached XXXX mine and his ID 's and a credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: APR or interest rate

Complaint: I am a competent person with a lot of debt. I am trying to clean it up. I have ALOT of experience just logging onto the computer to see the interest charges and my APR. Sear makes it impossible for me to see any of this information. Based on the " ease of use '' and rather simple process of the other credit card companies I deal with, Sears hides this information -- There is no PDF way to download credit card statements. Rather it is some tab delimited or other inconvenient mode. This is deliberate. I have a 25 % variable interest rate -- But still to date can not see the charges that are a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MD).
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: XXXX XXXX has reported me as being 9 times 30days late. I have contacted them numerous time sent my bank statements showing that they have received monthly payments from on time as payments were set up on Auto-pay at {$12.00} per month. I paid the account in full on XX/XX/2017 and was told that all incorrect lateness 's would be removed as they should have never been placed on my account in the first place this company is clearly in violation and I want my cr3edit report corrected as my score has dropped 100 points due to this

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: These are Doctor Bills that have been paid for buy insurance and the way they Discriminated against me I considering suing them for malpractice.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am having extreme difficulty contacting my student loan collector Navient. On XX/XX/XXXX at XXXX I attempted to contact the Federal Loan department of Navient, and after getting their automated system to understand that I need to talk to a real person I was transferred to another automated message saying that their offices were closed. This runs counter to their " contact us '' information provided online as well as in the automated message that I was transferred to, with both sources of information saying their Federal Loan department was open till XXXX on Fridays. After this I attempted to call another number, and got through to the Private Loan office. The woman I talked to said she could transfer me to the Federal Loan department, but after the " transfer '' I was met with another automated message and a dropped call. I am still trying to contact Navient, but not much is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have wrong letters and contacted both XXXX credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been 28 hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is XXXX 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 02-07-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Equifax in reference to some fraud activity in my credit file as well as unauthorized inquiries. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is the accounts not belonging to me have been removed but you failed to remove the inquiries. As I stated and provided proof I was incarcerated until XX/XX/XXXX. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below. 
XXXX USA XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX XXXX XXXX ank XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: To Whom it may concern, Dear Sir/Madam, I am sending the this complaint for Citibank not honoring the Citigold promotion offer on which Citibank would post XXXX XXXX miles to applicant 's account after finishing the related requirements. 
I opened Citigold checking package around XXXX XXXX and fulfilled all the requirements around XXXX XXXX. The online chat customer service at that time confirmed I had finished all the requirements and would receive the bonus miles after 90 days as terms required. 
On XX/XX/XXXX, I sent a security message since I did n't receive the miles on time. The reply from the message is shown below : " I can confirm the AAdvantage miles have been processed to your account. However, be advised it may take an additional 30 days for the miles to post to your AAdvantage member account. '' Please find the attachment for details. 
Then I had been patient and waited another 2 months until XX/XX/XXXX since I trusted Citibank would honor the terms and what the customer service promised. 
On XX/XX/XXXX, I sent another security message to check my bonus miles status since it had been such a long time and it is not posted yet. Then the security message customer service this time stated that I was not targeted and would not receive the promotion miles. Later on XX/XX/XXXX, Citibank stated they would file an investigation while I do n't receive any response until now.

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 12-05-2017 about Debt collection (I do not know) with CU Recovery, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, 2017 a person name XXXX from C U Recovery , Inc. called my place of employment. When I asked where she was calling from she refused to tell me and asked me why I was screening my calls. She said she was going to call me back at my job and hung up before I could say anything. She had called a few minutes before this call and I sent it to my voicemail. She did not leave a message. I posted a message on their website stating that they are violating the Fair Debt Collection Practices Act by continually calling my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Debt collection (Federal student loan debt) with Texas Guaranteed (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been paying an amount that exceeds my required payment with the expectation that the excess payment wouild go against the loan principal to work toward lowering that. The company refuses to apply my excess payment in this manner insisting that the law says that excess payments must go to collection costs first. This serves to increase the amount I must pay in total since the loan would basically restart after I pay offf the XXXX outrageous ) collection costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with WELLS FARGO & COMPANY (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On Thursday XX/XX/XXXX a suspicious charge to the amount of XXXX $ was found to be pending in my Wells Fargo Bank account with the information for a legal order by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX and found the only open case they had was for someone with a different address then mine for a visit to XXXX XXXX in XXXX that I had not had. I contacted my bank and they stated that according to their records the legal order matched my personal information ( address, social security number, etc ) so I called back XXXX XXXX to speak with the court officer directly. The court officer confirmed that my personal information did not in fact match his legal order ( save for zip code and last name ) and advised me to contact the law offices of XXXX XXXX representing XXXX XXXX in the suit. I contacted them and by prividing my own personal information they also confirmed that my information did not match their records. They agreed to contact the court officer and bank to resolve the matter. The court officer contacted XXXX XXXX but they said it needed to be pushed up for further investigation. I find Wells Fargo to be negligent as far as I can see due to the fact that the only thing connecting me to this legal order is them providing my bank information. I trust my financially institution to protect not just my finances but also my personal information. I will be seeking legal recourse against the bank myself but feel as if I have been wrongfully out in a position I should not have to be.

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 03-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: In XXXX and XXXX 2016, I filed two complaints with CFPB against Bank of America in XXXX XXXX California ( XXXX and XXXX ) and for some reason I was quickly locked out of my account ... Therefore I could not get in to receive updates on this process ... okay restore my account 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 05/19/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (IA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: XXXX  of    2016  to prese nt. Wells Fargo has be en having trouble with having posting payments in a timely manner. Shipping billing statements to address that we have n't used for well over a year and a half. In so doing they proceed to want to charge me late charges. I have talked to customers service representatives and they assure me that the problem will be ractified. To this date it has not, if anything it is getting worse.

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 10/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX : Initial Question/Comment : Mortgage refinance interest reporting form XXXX for loan XXXX was not issued XX/XX/2014 to XXXX. 
Interest deducted from loan XXXX itemized tax XX/XX/2014. 
Loan XXXX closed XX/XX/2014, interest for XX/XX/XXXX, XX/XX/2014 was reported. 
Interest on loan XXXX not reported for the time period of XX/XX/2014 thru XX/XX/XXXX closing of loan.

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 11-05-2015 about Debt collection (Medical) with N.A.R., Inc. (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a letter in the mail today from a bankruptcy office stating that a company named NAR INC. was awarded a judgment against me on XXXX/XXXX/2015. This is the first Ive heard of it. Previously, I had tried to work out a payment plan with NAR, INC ( North American Recovery ), but they would not accept anything lower than {$50.00} per month. I failed to pay them the XXXX payment due to the fact I could n't afford this payment, now 1 month later they were awarded a judgement? They would not accept the {$25.00} a month payment I offered them. Then I never heard from them again. Now I 'm getting a notice from a bankruptcy lawyer wanting my business. I had no idea there was a court date, or if there was even a court date. I would have liked the opportunity to tell a court how much I could afford to pay them. I just checked my credit report, and sure enough there is a judgement against 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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the 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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Heard about the current lawsuit and I wish to have a evaluation of what my balance should actually be? I woul also like to make sure the interest rate is correct along with the pay off timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My father 's house had a reverse mortgage, serviced at the time of his death by Reverse Mortgage Solutions , Inc. RMS contacted me by telephone eight ( 8 ) days after my father 's death to request a copy of his death certificate. Once the XXXX had prepared the Death Certificate, I scanned it and sent it to RMS via e-mail. In the body of that e-mail I indicated my intention to pay off the mortgage through the proceeds of the sale of the house. I sent RMS a copy of the listing agreement with a local real estate firm for the sale of my father 's house five ( 5 ) months after his death. RMS acknowledged receipt of the listing agreement via e-mail. Less than six ( 6 ) months after my father 's death, RMS filed a Notice of Default with XXXX XXXX, starting the foreclosure process. I now face the possibility of RMS taking possession of my father 's house in two months, without having the opportunity to satisfy the mortgage through the sale of the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/17/2016 about Debt collection (I do not know) with Oracle Financial Group LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Oracle financial threatened they 'd come to my work. That they knew where I lived. Knew who lived in my home. Knew my social security number, drivers license and birthdate. Said I borrowed money and did not pay it back. That they were a XXXX dollar company and I owed them money. I needed to pay or they were going to my county and file papers against me. They had my middle name wrong. They had previous address wrong and wrong drivers license number. Yet they demanded I pay them. Called 5 times leaving threatening messages. Phone number XXXX. Investigator XXXX XXXX. XXXX. Legal official will deliver document. XXXX XXXX senior liaison at Oracle. XXXX ext XXXX.

Company response to consumer: Closed with non-monetary relief