milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with Paris and Paris, LLP (CA).
Issue: Struggling to pay your loan

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Case # XXXX We are doing a short sale on this property, to which the attorney, Paris and Paris LLP, has attached a judgement on behalf of their client, XXXX. We have called the attorneys office every day for almost 2 weeks with no response whatsoever. We have left no less than nine voicemails, each with our phone number, and have received no callback. 

Is there any way you can have them call us back? We are just trying to have someone at their office reach out to us so we can move forward with the short sale. 

The attorneys contact information is listed as : XXXX XXXX XXXX XXXX XXXX Paris and Paris LLP XXXX XXXX XXXX XXXX XXXX CA XXXX Ph # XXXX Attached is our authorization to speak to the attorney on behalf of the homeowner, and a copy of the judgement. Thank you so much for your time.

Company response to consumer: Untimely response
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CBE Group, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted the debt collector and set up a monthly payment arrangement. It still show a derogatory account on my credit and my payments are not being reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: My payment went from XXXX $ to XXXX $ in one month. They claimed it was an escrow analysis and said my insurance rate doubled. So I asked what would bring my payment back down. They said if I could change insurance. I changed from XXXX to XXXX insurance. My old insurance was around XXXX $ while my new insurance is XXXX . I had been told this would bring my monthly payment down. I just filed for a new escrow analysis and my monthly payment is now XXXX . I asked why and they keep saying my escrow is in a negative. My escrow was ( XXXX $ something ) before I switched insurance. It is now XXXX $ I do not understand how my mortgage can INCREASE after I paid off some of the escrow. I also have some phone recordings with my stating and them verifying this should lower my payment.. 

I have included XXXX phone recordings that show the entire intention of me doing this was to lower my monthly payment. I make mention a few times about how my account increased and I want it to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: my son defaulted on a loan with XXXX bank in XX/XX/XXXX. I had co signed for the loan and attempted to pay to stop repo, but they repo after I caught it up. They didnt write off XX/XX/XXXX, but have resold the debt to Dynamic Recovery Solutions who sent a letter telling me they were planning to send me papers of the pending judgement. (? ) I am pretty sure it 's illegal for them to send this to me. I would appreciate any help or advise. I live in Ga and statue is XXXX years. Please investigate for me, this seems like a shady company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Call at least 6 times a day all on different numbers and leave voicemails everyone in a while

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2015, I made a charge to my Capital One Master Card in the amount of {$48.00} to XXXX XXXX XXXX XXXX in XXXX, WV for a deposit on a lodge reservation. I called XXXX XXXX on XXXX XXXX, 2015, and cancelled our reservation, which was within their cancellation policy, and they were to refund the deposit. XXXX XXXX made the refund to my Capital One Master Card on XXXX XXXX, 2015, however ; they erroneously made the refund for {$590.00} instead of {$48.00}. XXXX XXXX tried to do a charge back for the erroneous balance but it was declined. I have been working with XXXX XXXX since then in calling Capital One to have them return their money. Capital One refuses to return the balance to XXXX XXXX. My account is currently on hold due to payment issues as I am XXXX. This should not even be an issue as Capital One is only entitled to {$48.00} credit which was the original charge amount. XXXX XXXX has told Capital One that they made the error. I am being held hostage by Capital One as they will not release the money back to XXXX XXXX until I pay my account up to date and keep it current for 60 days. This is not in any way my error and I do n't understand why Capital One feels like they can keep someone else 's money. This has been going on for weeks with phone calls and XXXX!! Capital One should return the money to XXXX and deal with me for my personal account which has nothing to do with the merchant! This in my eyes is illegal and the XXXX has thrown my XXXX XXXX putting my health in a bad place right now.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I have a mortgage loan with HSBC. The initial loan # was XXXX, the property address is XXXX XXXX XXXX, XXXX XXXX NY XXXX. The mailing address is the same XXXX XXXX XXXX, XXXX XXXX NY XXXX as the property address. 
HSBC changed the loan # to XXXX after XXXX XXXX and changed the mailing address to XXXX XXXX XXXX without my consent. 
The mailing address XXXX XXXX XXXX is not available now. I had lost lots of mails from HSBC including the XXXX forms, payment adjustment etc documents. So I called HSBC to change the mailing address to the property address XXXX where I am living in XXXX XXXX. However, HSBC refused to change the mailing address and continue to send all mails to the unavailable address XXXX XXXX. Therefore I filed complain to XXXX of NY XXXX in XXXX XXXX. In HSBC 's response letter to XXXX of NYS, it stated that the initial mailing address was XXXX so they can not change the mailing address no matter whether or not I received the mails. That is more ridiculous that I asked them to email me if they could not mail the XXXX forms or other letters to the property address. The response was NO! They said that they had to mail all letters statement to the existing mail address., no matter whether you could receive them. 
I am very angry and surprise for HSBC service and practice. Especially, recently, they gave me a number of harassment calls. They made the lies that this is a collect debt call because I owed the mortgage payment and I owed the mortgage payment to {$5500.00} etc. The fact is that I pay the mortgage {$2700.00} /month and never be later. I checked the bank payment recording that I paid the mortgage {$2700.00} for every month XXXX including XXXX, XXXX, XXXX, XXXX XXXX. How can I owe the payment to {$5500.00}. HSBC, obviously, cheated the client to make benefit. I require XXXX and CFPB ( Consumer Financial Protection Bureau ) to investigate HSBC. 
The issue raised here is that HSBC refuses to change the mailing address and keeps mailing all statements and corresponding letters to the address I could not receive them. Then they made the rumor and benefits for them. 
I require CFPB revoke the license of HSBC in XXXX XXXX because they are not capable to do business. It never happened to a bank that did not allow to change mailing address. Meanwhile I claim the lose of missed letters for {$100000.00} against HSBC because my personal information were exposed in miss letters. 
TrulyXXXX XXXX, the Owner of the Property

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I used the FTC link for my free annual credit report. I want to receive a report from Equifax. Equifax is the most difficult reporting agency to deal with because they demand that consumers become a member in order to receive a copy of want is essentially a copy of our personal information. I have family members who have had problems cancelling what is advertised as cancel anytime Equifax membership in order to get a a copy of a credit report. 
I wanted to avoid the hassle of dealing with the membership. As stated above I used the FTC website link for the free annual report. I enter the required information, clicked next and when the Equifax page appears there is a banner at the top says " Our site is down, try again later ''. However nothing changes no matter how long I wait. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with DISCOVER BANK (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX ( XXXX ) has already called my house 3 times this morning. They are looking for an XXXX XXXX. I am not XXXX XXXX and do not know an XXXX XXXX. This harassment has been going on for weeks, with multiple calls being made to my home daily at all hours of the day and night. I have repeatedly asked them to stop, but they refuse. Each time I am told that my number will be removed from what ever account they are trying to collect on, but again, they are not doing it. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was one of the 143 Million Americans whose personal data was compromised in the Equifax hack on X/XX/17. I did not opt into an Equifax service, they had my personal data as part of their credit reporting duties. They did not properly secure this highly sensitive data, including but not limited to my SSN, and as such I am now at risk. Their tools and services provided to me in recompense are not satisfactory. In fact, their company profits from offering my credit monitoring services. There has also been news of insider trading, that top executives sold their stock before the news broke to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I have made repeated attempts at speaking with American Express, and on rare occasions I will get a Representative who forwards me to a person who is to be following up with my requests. Either A ) I am hung up on, B ) The person whom I receive mumbles in the background and puts me on hold multiple times, C ) Claims that providing further assistance goes beyond their scope, at which time I'm transferred yet again to another agent, D ) Attempts to collect the same debt more than once occur ( even after the same debt has been satisfied with regards to a Payment Program ). 

People are losing more faith in American Express as the minutes go by, and now I can see why. If your workers have no desire to follow through with their responsibilities, how do you expect your cardmembers to take your company seriously? It's clear that American Express is a lost company with zero initiative. In addition to this, other cards are used virtually everywhere. American Express, not so much. I won't even challenge American Express with this complaint, because I can already put a wager on little quality and know that will be the outcome. Whoever is in charge of your customer service people is doing a horrible job, because those people all seem to have different definitions of just about everything, and can never be consistent with the information provided to cardmembers, not to mention what your policies state and mean. Just go ahead and listen to the recent " recorded telephone conversations ''. That should give you a better idea of how long I've had to wait on hold, to be hung up on, to be promised this and that, only to get a different person who seems to have no idea what I'm talking about. I thought there were worse companies, but American Express is literally the worst company when it comes to communication. Do with that what you will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XX/XX/XXXX My ex-husband told me he received a phone call ( voicemail ) referencing his date of birth, and saying they were looking for me for check fraud and his name was associated with the fraud. We have been divorced since XX/XX/XXXX.
XX/XX/XXXX I received a voicemail from a Ms. XXXX, who claimed to be a " Licensed Locator '' in XXXX XXXX County. She said she had papers to serve me at my residence, referenced an address I have not lived in in more than 3 years. Then stated that if I could not be served at my home, they would have to serve me at my place of employment. It was suggested that I, or an attorney should call the " Plaintiff 's '' office. 

When I did call the number and give the referenced " Case '' number, I was told that was not the correct number and that they could not control who the locator called and what was said to whom. 

The company was ARA, and the individual I spoke to claimed that it was not an acronym, that 's the name and would not give me a mailing address. He did not give me further information because he said that I had an incorrect case number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with AMERICAN MORTGAGE & EQUITY CONSULTANTS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with a company called American Mortgage & Equity Consultants back in XXXX. We were told that we could start construction on a new home before our old home sold and would not have to put any money down until construction was complete. This turned out to not be true. They expected money up front before construction started so we left and went to another company shortly thereafter. Recently I received a letter stating that our loan with them was not approved because of a lack of funds. We did not give them permission to run our credit report within the last 6 months, and we were not rejected for a loan. We left them because we did not trust working with them. I am afraid this fake rejection will negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Notified EquifaxXX/XX/XXXX, and sent another dispute in XX/XX/XXXXof a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( XXXX ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM XXXX. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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, 2017 transunion has my credit account as closed the account is opened XXXX 2017 Disputed transunion verified as accurate XXXX 2017 Disputed transunion verified as accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: Seeking assistance from Wells Fargo dealer services to defer my late payment/outstanding balance to the end of the loan to help bring my account to current status. When I call for assistance they are extremely rude and unhelpful, I also sent an email last week and have not heard back. They continue to call our friends and family and our cell phones constantly harassing us with no alternatives. Please ask them to review request to defer loan and to please stop calling our friends and family for both myself and my wife 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 12-01-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit reporting company Equifax is reporting a lien on my credit report. The lien however is not mine. Court records show that the lien belongs to another person with an entirely different name. Equifax 's false report is causing me major distress, emotional difficulties, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other

Complaint: I did not receive the last bill for purchases made at Macy 's. I received the next bill which included interest and a late charge which is due on XX/XX/XXXX 2017. Everyday since I received the second bill, I have received a robo call from them. I responded to the call and let them know that I directed my bank to have an automatic bill payment for the full amount within the week. I still continue to get these calls. I have excellent credit and have never had this kind of treatment from any creditor. This is unacceptable.

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 01-11-2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sued by Pressler and Pressler after telling them over and over again that the dept was not mine. They did not care and said I had to pay it regardless. I have n't known what to do about this until I read about their attorney review practices. I am most certain the lawsuit against me was illegal, yet I am now making payments on a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The basis of my complaint are concerns around the Mortgage Servicing Transfer process by XXXX and Caliber Home Loans. As a result of their actions noted below, they have failed to protect my rights under key foreclosure protections. 
On XX/XX/XXXX, I submitted a completed loss mitigation application to XXXX. On XX/XX/XXXX, I received an electronic notification from XXXX confirming the package was received. My completed application was received by XXXX more than 37 days before a foreclosure sale, and XXXX failed to inform me that I was not eligible for any loss mitigation option. 
Instead, during the pending status of my completed modification application, XXXX sold my loan as of XX/XX/XXXX to XXXX Master Participation Trust and subsequently sold the servicing rights to Caliber Home Loans as of XX/XX/XXXX. The following outlines the timeline of events and notices from XXXX, XXXX and XXXX XXXX ( Notices from XXXX and Caliber are attached ) : XXXX XXXX, XXXX, notice states the servicing of my mortgage was sold to XXXX as of XXXX XXXX, XXXX. This notice does not meet the content requirements under RESPA. The notice does not include the new servicer address nor the Federal disclosure regarding late payment protections. 
XX/XX/XXXX, I contacted XXXX to request a status of my loan modification application. XXXX informed me my application was complete and in " Underwriting '' and was also informed my loan has been sold. XXXX provided me with the contact information for the new servicer. 
I contacted Caliber and was informed by the Rep that they were waiting on loan modification documents from XXXX. I was confused by this since I did submit a completed application prior to the servicing transfer date. They stated my application was incomplete because they did not receive income documentation. I submitted Income documentation to XXXX with the original application to XXXX on XX/XX/XXXX. 
XX/XX/XXXX, notice from XXXX XXXX states that my property would be sold on XX/XX/XXXX. 
XX/XX/XXXX, notice from Caliber requesting I provide a complete package by XX/XX/XXXX. Caliber failed to allow 30 days to provide the package. 
As I understand the rules, a mortgage servicer can not start the foreclosure process if a completed loss mitigation application is pending. I believe this to be considered " Dual Tracking '' and constitutes a RESPA violation under the Mortgage Servicing Rules. 
In accordance with the Mortgage Servicing Rules, Caliber had a duty to send an acknowledgment notice to me within 10 business days of the transfer date. And, Caliber should have evaluated my application within 30 days of the transfer date, in in both cases, timing requirements were not met. 
In addition, XXXX received a timely complete application, and XXXX XXXX should not have moved for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings.

Company response to consumer: Closed with explanation