milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2016 about Student loan (Federal student loan servicing) with ConServe (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Conserv, the organization servicing the DOE loan I took out for my daughter 's college education, had agreed, in writing, to a revised monthly payment of {$260.00}. I authorized automatic deduction for my bank account and the payments were deducted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was deducted for XX/XX/XXXX, and when I tries to find out why, I got the run-around, among other things, being referred to a number of different persons who did not know what was going on. When I finally do reach someone with the correct information, I was informed that Conserv had decided to increase the monthly payment to {$300.00}. I had received no correspondence to this effect nor have I received any written justification as to why the payment was increased. Now, they are claiming that I am delinquent on my XX/XX/XXXX payment. They had the authorization to deduct the agree-upon {$260.00}, but chose not to. I suggest that both Conserv 's arbitrary increase of the monthly payment and their classification of the loan as delinquent are improper, and their collection practices should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Mortgage) with Servis One, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: BSI Financial Services began calling my cell phone back on XX/XX/XXXX and has continued to call repeatedly over the last XXXX months to collect a debt from someone that I do not know. This cell phone number was issued to me as a new number through XXXX on XX/XX/XXXX so I offered to provide the company with proof of my identity and proof that the cell number was new. 

I repeatedly offered to FAX or mail proof of account/identity information to BSI, but they refused and told me each time I called that they would remove my cell number. However, the collection calls continued month after month. Each time, I would call back BSI at the extension given, the main customer service number option XXXX or use the BSI contact form to demand that they stop contacting me about a debt that was not mine. I also kept offering documentation which they refused over and over. I have proof that I contacted BSI after each and every call. I have proof that BSI have continued to call. I have proof that this number was a issued as a new service and does not belong to the debtor. I have left many voice mail messages for the agent " XXXX at extension XXXX '' with no response. I have left XXXX messages on voice mail for " XXXX 's '' supervisor BSI VP of Operations XXXX XXXX with no return call ever made to resolve this. 

I informed BSI in my voice mails to them that they were not to leave any more of this debtors personal information on my voice mail. The last called received from BSI was XX/XX/XXXX. At that time, I called BSI to inform them that I would be suing for harrassment in my local court system if I did not get a return call and was requesting mediation before pursuing them in court. I waited for several days with no response or return phone call. I filed a {$2000.00} harassment suit in small claims court XX/XX/XXXX that was sent to their Registered Agent in my state. 

I will happily pursue BSI civilly for damages, but I also want BSI to face steep fines for their non compliance with the FDCPA. BSI disclosed personal financial information to someone who is not a party to the debt in voice mails, failed to comply with the Federal do not call list and placing multiple harassing phone calls to a party who is not the debtor after being informed that the number was not a valid contact number. Please let me know how to pursue my rights and how you would like proof for this complaint to be provided to your agency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: NOC Financial Systems is contacting my son and my father regarding a debt that I apparently owe, although they have yet to contact my phone and leave a message nor have I received anything in writing. My dad is XXXX years old and does not need this added XXXX and furthermore if someone needs to get in touch with me I have had the same telephone number for 16 years. If someone needs to get in tough with me, send it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (MD).
Issue: Struggling to pay mortgage

Complaint: attempted to get a modification agreement done with the mortgage servicer phh mortgage services but they prolonged the process way to long and would not provide a definitve answer. we filed a bankruptcy for protection however the owner of the loan XXXX XXXX has filed a motion for an automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 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: I 'm absolutely APPALLED at the " investigation '' into my credit report issues! These 2 companies have failed to correct or remove inaccurate info for 5 months now and I 'm tired of it! Their JOB is to make sure that all accounts on my credit report are accurate and complete and Congress states that they are required to go beyond the original  source of information to make sure of this. I 've requested the method of verification, procedures used to investigate as well as the proof they 're using to say that these are reporting right! For example, the XXXX XXXX account # XXXX is NOT even mine and although it 's reporting accurately, why have n't they removed it? I only have ONE account with this company! Secondly, for the XXXX accounts, they 're reporting that I was late when I was n't! Insurance was supposed to pay, and I had no obligation to pay anything on the months that are reporting late. I asked for the actual contract or agreement with my signature that states I would pay on these months and of course, I never received anything! I was NOT late on these months because I had NO obligation to pay on these months! They need to remove those! Thirdly, for TransUnion, they 're reporting inaccurate info for the public records and I 've clearly pointed out where the issues are and have requested correction or removal and of course, nothing has happened. They are required to have this documentation in their possession to keep an item on my credit report. Failing this, the item must be removed. For XXXX the XXXX XXXX account # XXXX is reporting me as late on XXXX 2016 and yet not only did I pay on time, but the other 2 bureaus are reporting accurately that I did! I asked for them to correct this and nothing happened other than that this was allegedly " verified ''! I 'm attaching all the letters that I sent to both companies and I require that these late payments and other inaccurate information is removed immediately due to violations under section 609 and 1681.

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 03-10-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Delinquent account

Complaint: I missed my XX/XX/XXXX PC Richards store card payment. On XX/XX/XXXX I called Synchrony Bank to explain my current financial situation and how I can bring my account current. After discussing my financial situation Synchrony Bank placed me on their " Customer Assistance Plan. '' They explained that this plan takes my total balance as of XX/XX/XXXX and divides it into 48 months. During the 48 months I will incur no more late fees, no interest, no penalties and I will be up to date ; as long as I make the new minimum payments. On XX/XX/XXXX I received a credit alert that PC Richards reported me as being more than 60 days delinquent. I called Synchrony Bank on XX/XX/XXXX and enquired as to our arrangement on XX/XX/XXXX ; they gave me a complaint number and said they would call me back. While waiting for a response I did not pay the XX/XX/XXXX payment. On XX/XX/XXXX they called I offered to pay the past due payment we agreed to on XX/XX/XXXX but the said the past due balance was more. Upon further discussion on XX/XX/XXXX Synchrony Bank told me that they charged me a late fee for missing XX/XX/XXXX payment even though our agreement was still enforce. Additionally they are still reporting to the credit bureau that I am over 90 days delinquent when our agreement on XX/XX/XXXX is anew agreement. As of XX/XX/XXXX I am update with the payments. They were continuing to bill me he full past due balance and reporting be as delinquent when we had agree to new terms. 
monthly. On XX/XX/XXXX I paid the 1st payment. On XX/XX/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 05/24/2016 about Debt collection (Credit card) with Stenger & Stenger, P.C (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a collection letter containing a settlement offer from Stenger & Stenger, a law firm representing XXXX XXXX, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that XXXX XXXX is my current creditor. 

I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX. XXXX XXXX some years back caused by XXXX XXXX, I spent quite a while in XXXX which is why I fell behind on my XXXX card to begin with. Now it was happening all over again, XXXX. My Dr. could n't understand it, I had been doing so well. XXXX. XXXX, XXXX. XXXX. All of this caused because I was so afraid of being sued. 

I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. 

My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. 

Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. 

Their letter indicates XXXX XXXX is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as XXXX XXXX. They have an unscrupulous reputation and are banned from filing suit in some states. 

Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when XXXX XXXX supposedly purchased the account and from whom. They did n't even include the account number. 
The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. 

My daughter found this court case that is very similar. 
XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to Stenger & Stenger , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. 

When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. 
I doubt it. 

I 'm confident I would prevail in a court case against Stenger & Stenger and XXXX XXXX but would prefer to settle out of court due to my health. 

I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I opened an American Express business card for a company I worked for. I was asked for certain information over the telephone like my SSN and I had admittedly asked the rep was my credit being pulled or was the credit going to use my credit I was told " No ''. I said perfect because this is not my card it is intended to be a business and I did not agree to have my credit touched. I filed a consumer complaint a year ago because of the terms of the card. I was told XXXX thing and the company received different terms then what was told to me. I did not know my credit was linked to this card until I receive a IRS document saying I have to claim income because the company had settled the card amount with American Express. I would like to file a formal complaint on my own behalf because I was lied to and I have tried to get American Express to fix their mistake. I found out it was on my credit report also. I called american express to get it removed from my credit. I never given permission to use or look up my credit. At this point, I believe this is considered to be fraud committed by XXXX of American Express employees. I have only received a phone call to say the company apologizes for the inconvenience and that the rep would be retrained and that was a year ago. After the managers reviewed all calls. My personal information was used and taken without my permission and I would like for the company to fix this problem. I have been denied credit, I have received higher interest rate for items I have purchased due to American Express not completely fixing the problem. When I received the phone call to apologize I had no idea that the card was used under my SSN. I only found out after I was denied credit. I tried to call and have it taken off now everyone at American Express states they have no information about my card other than it was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management ( aka Encore Capital ) continues to contact me regarding a credit card debt collection. MCM sued in Superior Court for the contested credit card debt ; the suit was DISMISSED AT TRIAL and has not been refiled. However, MCM continues to call and harass for debt payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I filed for bankruptcy in XXXX since then wells fargo has not been applying my mortgage payments to the account. I want to know what they are doing with these payments i am making. they tell me they do n't have a program set up to handle a payment when a person is in bankruptcy. i do n't believe that after all this other illegal stuff they are doing. when i get my resources back in order i will be leaving wells fargo for good. i do n't trust wells fargo anymore. i want my payments applied to my 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 non-monetary relief
Consumer complaint received 05-12-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Advertising and marketing

Complaint: I HAVE WAITED XXXX MONTHS TO RECEIVE MY REWARDS FROM XXXX BANK AND HAVE COMPLAINED TO THE CFPB AND BBB .I RECEIVED A LETTER FROM XXXX XXXX PRES. OF BANK THAT I WOULD RECEIVE MY REWARDS WHEN MY STATEMENT PERIOD CLOSED XXXX XXXX. I SPOKE TO A CLERK AT THE BANK, XXXX, WHO TOLD ME THE REWARDS WOULD BE POSTED TO MY ACCT.ON XXXX. I CALLED THE BANKTHIS MORNING AND THEY TOLD ME I HAVETO WAIT AN ADDITIONAL XXXX WEEKS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional fixed mortgage) with RMK Financial Corp (CA).
Issue: Credit decision / Underwriting

Complaint: Hi, My loan officer submitted our loan to Magestic home loans around XXXX of 2015. Magestic home loans have made number of mistakes on every level of the loan and kept charging us for their mistakes. Their mistakes were as follows. 
1. Our appraisal value came higher than initially expected. Our LTV came down from XXXX % to XXXX %. The underwriter forgot to adjust our LTV. at XXXX % we were getting 4.750 so we floated for almost 1.5 months for rates to come down, finally we decided to lock at 4.750 % the file went to the doc department, Doc department realized that LTV is lower than it should be, which underwriter forgot to adjust. Now our LTV was changed to XXXX % and our rate came down to 4.5 %. Had the underwriter adjusted our LTV we did not have to wait 1.5 months floating. 
2. Our HOA master policy was provided to the underwriter she signed it off along with all other pre doc conditions. Since all conditions were signed off our loan officer locked for 15 days to sign docs and fund. ON THE DAY of the Funding underwriter realizes that she forgot that the master policy did not cover XXXX in walls. Our lock expired, our file went for redraw. we were charged for relock, and redraw fees. 
3. our file was impound, and on the original docs lender requested 3 months reserves. on the redraw docs, for some reason 2 more months of reserves were added. Which means they had miscalculated the reserves on the initial docs as well. Now since reserves came high we decided to not impound the file anymore. we signed redraw docs and were told the file will fund on Monday, the last day of our lock extension. 
4. On Monday on the day of funding and our last day of our lock extension we received news that they can not fun and they will redraw again because the doc drawer forgot to add the price adjustment for taking the file off of impound. Now they have to redraw again, re lock again. 
They are keep making mistakes, and keep charging us for their mistakes. The lender is not bearing any cost of all these mistakes and they are keep passing all the costs to us. We are beyond frustrated. The management or lender is not responding to our email, or to our loan officer 's emails. We get no apology 's no explanation of why we have to pay for their mistakes instead of the lender themselves. We have paid for the appraisal and other if cancel we will bear costs, if we do n't cancel we will pay for host of their mistakes. Please advice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Credit decision / Underwriting

Complaint: Citibank initiated foreclosure process on the 40th day of delinquency. The loan was paid in full prior to the 60th day of delinquency. I keep getting denied for Mortgage loans because my credit report shows " foreclosure started. '' I have asked Citibank to remove the verbiage and they keep adding it back to my credit report. I had a XXXX loan which clearly states no FC proceedings to be started prior to the 90th day of delinquency.

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 02-09-2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX my Wells Fargo debit card was unfortunately stolen. Once I discovered that my card was stolen I immediately reported it to Wells Fargo. Consequently whom ever stole my card gained access to my checking and savings accounts. The fraudulent transactions that took place caused my checking and savings accounts to be over drawn. I have called Wells Fargo everyday since XX/XX/XXXX to get his issue resolved. Wells Fargo manager XXXX id XXXX, advised me that the {$400.00} that is still reflecting in my savings account had been refunded and it was my responsibility to transfer the money from my checking which was negative as well? So, they expected me to know that the credits they gave were for both accounts that I had been advised were XXXX separate accounts. How am I having to pay for something that I did not cause to Wells Fargo? This institution is ultimately stealing from me now, and I feel that I by no way should have to fund my savings account {$400.00}? The purchases and transfers that took place were all authorized my Wells Fargo but were not authorized by me. I am not paying Wells Fargo {$400.00} for something I did not cause nor did I authorize any of these transactions. I need for them to correct he problems. I feel that Wells Fargo does n't want to own up to the fact they authorized fraudlant transactions and now they will not own up to it. Wells Fargo by far the worse institution.

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