milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Pinnacle Credit Services, LLC (GA).
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 disputed a collection item by Pinnacle Credit Services, receive a email from XXXX and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. Pinnacle on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AK).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a duplex from SLS at the foreclosure sale of their XXXX deed of trust in XXXX of XXXX, to protect my interest in it since I held a junior note. I have been paying for the insurance and taxes since I bought it. SLS still held a large XXXX deed of trust that I have been trying to pay off in full since I bought the property. I always reach their call center people and they will never transfer me to someone that is helpful. I and my Attorney sent a few payoff letters with no response and then I was told to send a certified letter to their legal dept with the loan no and property address and explain the situation which I did on XXXX/XXXX/XXXX. ( I have the green card that shows they received it ) Neither my Attorney nor I have ever received a response. On at least XXXX different times I would spend a few hours on the phone with SLS trying to get them paid off. I would get someone at their call center and kept getting transferred put on hold several times and then back to Customer care where I started. I ended up giving up in getting to talk to someone that knew anything or had any authority. In XXXX XXXX SLS turned it over to a Trustee service who I have talked to several times. She has n't started the foreclosure process yet since I told her I want to get this paid off in full ASAP. I sent her copies of my Attorney 's and my prior requests for payoff. I also faxed both SLS and the Trustee person that was assigned to this at the foreclosure service copies of my paying for insurance and taxes and the accounting from the tax dept here that shows SLS was sent a refund of {$3900.00} on XXXX/XXXX/XXXX because I already paid it. I requested a payoff statement with a breakdown of the accounting for taxes, insurance, and other fees they want. The payoff statement does not reflect me getting any tax or insurance credit. The payoff statement I received also has {$2800.00} added for amount due the Trustee Service who has n't actually started the foreclosure process yet. If SLS would have given me the proper credit for having paid the taxes and insurance, responded to mine and my Attorney 's pay off requests this fee would not have occurred. I appreciate any help your Agency can do to resolve this. 
Without me giving my personal information on this how can you do anything and help get it resolved?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was declared fully and permanently XXXX by a sitting Federal Court Judge in 2004. My income derived from SSXXXX. My income is below poverty level and a wage garnishment by Nel-Net, the XXXX current loan shark, has taken my income even farther below poverty level and it seems the dept of edu has their own standard of determining who is XXXX and who is not since they can disregard the decision of a Federal Court Judge and the panel of experts sitting with him. They conferred with each other, before the jusde handed down his decision. 
In my XXXX semester at the university, I began to enter a XXXX ( XXXX ) and informed my instructors I needed to withdraw from their classes. I was enrolled in XXXX classes. I attempted to contact my student adviser through calling and e-mails, but she never responded to advise me in any way. I was between my XXXX to 4th week at the time. The university showed me as having dropped out and charged me for the entire semester. This was in XXXX. Now my below poverty XXXX income is being garnished, for XXXX, by a loan shark company who continues to add on penalties while they collect on the loan. I have tried for 2 1/2 years now to get this loan deferred with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (OH).
Issue: Problem when making payments

Complaint: {$1200.00} was to have been refunded to my Paypal account by the XXXX XXXX XXXX when seller, XXXX XXXX XXXX, XXXXXXXXXXXX cancelled and supposedly refunded on XXXX XXXX, XXXX. Seller claimed the guitar I bought was defective. Original purchase was on XXXX. Seller has already relisted the guitar on XXXX without having completed the refund. 
I attempted to contact Paypal on two dates several times to resolve this fraud ... XXXX/XXXX/XXXX ... calls would not go through or would get disconnected. XXXX Paypal was closed! 
Transaction number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to this company multiple times regarding the inquires on my account and they have done absolutely nothing but send me generic responses about contacting the companies and when i contact the companies they direct me to contact the credit bureau this is getting out of hand and is not reflecting my true credit report. the below inquires need to be removed. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX. These inquires need to be removed i have done all the necessary steps, police report, contacted the companies contacted the credit bureau and sent in multiple disputes for the inquires as well as a security freeze this company still refuses to remove the inquires

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Other mortgage) with KEYCORP (CO).
Issue: Settlement process and costs

Complaint: We applied for a second mortgage through Key Bank, and the entire process was filled with delays, miscommunication, and difficulty. Though I have numerous frustrations, the one I 'm focusing my efforts on is not receiving a copy of the appraisal they demanded we get, even though one had already been completed for the first mortgage. We closed on XX/XX/2017 and have not received a copy of the appraisal to date. I requested the appraisal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told via email, on XX/XX/XXXX, that the appraisal would be sent. I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Bank of American violated Federal rules when they placed a 10 day hold on a ATM deposit of Cashiers check {$4600.00} that I had drawn from my XXXX locally down the street. After calling them multiple times and visiting the branch 3 times on my trip out of state. They decided they can just do what they please even after I pointed out to employees and supervisors that they were violating FDIC rules on clearing bank deposits. Their actions caused me to be late with my mortgage payment which I transfer every month through the branch. The hold did not qualify under the exception rules at all and they were told that and still kept the hold in place long after the cashiers check cleared. I want some sort of sanctions or formal reprimand placed against B of A for not following the rules and I should be given both an apology and some sort of monetary compensation for damaging my payment record with my lender and causing me to drive 3 hours 3 times out of state to the nearest B of A while I was on vacation to try to handle the problem. I had to pull out over {$4000.00} more from another bank causing me extra fees and charges just to make my mortgage payment which was late because of their hold.

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 06-01-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Credit decision / Underwriting

Complaint: My husband and I were approved for a loan modification and the mortgage lender still has not update our credit reports. I have sent them communications and disputed with the credit bureaus and nothing transpired. It has now been a year since the loan modification has taken place and our credit is still being impacted with their inaccurate reporting. The credit report shows us as being past due {$2400.00} as XXXX/XXXX/2016 the last update from my dispute. This incompetent mortgage lender SLS Specialized Loan Servicing company has ruin XXXX our credit for an year and I want it resolved immediately.

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 05/21/2015 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Phone number XXXX is harassing me every morning! Leaves no call back info. Does not identify themselves. This # calls every morning between XXXX -XXXX wakes me up!! rings XXXX times then hangs up. does not leave a message. I checked the web. Says from XXXX XXXX. Then another site says a cell # from XXXX. I called the # back, they do not give any information To identify themselves. the recording says to hold for aprox XXXX minute they are attempting to collect a debt all conversations will be recorded. i will not call this # again its an uncomfortable feeling to be put on hold with a unidentified harassing caller. If i owe money to anyone i need a written statement with proof of debt by mail. No one should be crazy enough to pay anything by phone. So the harassing wakeup calls early in the morning are indeed harassment. I logged all the calls so XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX @ XXXX ... Help please.

Company response to consumer: Closed
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with ERC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: It was a account thats was no longer in use because my brother had XXXX XXXX but they continue to charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Money was not available when promised

Complaint: on XXXX/XXXX/2015 i went to store # XXXX XXXX GA XXXX XXXX XXXX to put on my prepaid card and i was told to pick up the western union phone an i did and the lady proceeded to ask me for my account # an i told her it was a prepaid card i wanted the money to be available the same day she still ask me for acct # ok so when the money wasnt available within a couple of hours i call the western union back an told them that she did n't conduct the transaction correctly an i needed a refund an they told me i had to wait XXXX hr an i been doing that since this happened an still waiting for my money they told me it would be in my bank on Monday it Tuesday its still not there i call again they told me to wait XXXX more hours please help so angry they have terrible customer service

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Called several times a day. Some of the charges in the overdue account are due to cramming and therefore they can not assert that I do not owe these charges

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: An updated Insurance Policy was submitted to Seterus via fax on XXXX/XXXX/2015, fax confirmation hereto attached. On XXXX/XXXX/2015 XXXX XXXX XXXX Seterus confimred a new policy was not received. On XXXX the insurance policy was refaxed, fax confirmation hereto attached. On XXXX/XXXX/2015 a request for an escrow analysis was made with XXXX XXXX. On XXXX/XXXX/2015 a follow up call was made to Seterus for the status in which we were told it would take 7-10 days. On XXXX/XXXX/2015, we called Seterus spoke to XXXX XXXX XXXX Seterus to follow up on the escrow analysis but would not provide any other identification as confirmation of the call such as her full last name, extension or Agent ID ; who stated an escrow analysis was never ordered and she also advised the conversation XXXX XXXX was with their insurance department XXXX not Seterus so it was not processed since XXXX. She stated the turn around will take another 7-10 days. Seterus ' stall tactics of not performing a proper escrow analysis since XXXX XXXX 2015 for over 2 months is putting the borrower at risk of defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Bank of America let me apply for a mortgage for a condominium in XXXX Fl. Fully knowing they were in a legal battle with the Home Owners Association, and we 're not writing any mortgages for this particular property. 
Bank of America charged be {$450.00} to apply. 
There after they B o A told me that the H O A did n't have enough insurance for the units, even though the condominium increased their insurance, even after they had underwritten XXXX mortgages in the corporation of the condominiums. 
They have refused to give me my application fee back.

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 03-02-2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my Debt. I sent out a Debt Validation letter via certified mail.

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 11/23/2015 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I am calling to get resolution in regards to a student loan taking out by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Ga XXXX. The account number is XXXX. The company is American Education Services XXXX. XXXX XXXX XXXX, Pa XXXX. This loan I believe has me listed as a co- borrower which I am not. Also Informed this company that me and XXXX XXXX are divorced and have been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a copy of my credit report, and the following was on it as derogatory : Credit Collection Serviic XXXX XXXX MA XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/2014 Balance : {$88.00} Pay Status : In XXXX Company This is not my debt, and I never received any correspondence from this company regarding such debt. I am asking that this be investigated, as I would like it removed from my credit report. 

Any help you can give me in this matter would be much appreciated. 

Thank you, XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX ( FDC ). I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX DEALER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed with XXXX, the information they are reporting for XXXX XXXX XXXX. I have no financial responsibility to this company. I have asked numerous times for validation that I owe this company money and have never receive anything. XXXX is the only company saying they have verified this account, when no one else has??? How was this account verified? Can I see the copy of the contract I supposedly have with XXXX XXXX XXXX? Although XXXX has the right to report false information on anyone they choose, they also have the right to be held responsible for the false information they report.

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 01/23/2018 about Debt collection (Medical debt) with ECMC Group, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: While checking my credit reports I discovered a collection listed by XXXX XXXX XXXX XXXX XXXX  Act. # XXXXin the amount of {$1000.00} I immediately sent XXXX XXXX a certified letter requesting verification. I received no reply whatsoever. I pulled another credit report 30 days after XXXX XXXX  signed for the original letter and the collections account had not been removed or marked as diputed as required by Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I then sent a second certified letter and again got no response From XXXX XXXX. As of a XX/XX/XXXX Credit report pull the collections item is still on my credit report and there is no notice of dispute, ( a violation of the Fair Debt Collection Practices Credit Reporting Act, and the corresponding local state laws ). I filed a complaint with CFPB. in their response, XXXX XXXX did not address any of the issues in my complaint but instead mentioned about some account from XXXX XXXX which I know nothing about.They did not address at all the XXXX XXXX XXXX Account, which was the subject of my certified letters to XXXX and my complaint to the CFPB The sloppy procedures and erroneous reporting of XXXX XXXX XXXX XXXX XXXX result in their non compliance with Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws and is causing me financial harm, In summary, it has been over 3 months since XXXX XXXX received and signed for My first certified letter on XX/XX/XXXX and to date they have not provided me with " validation '' ; that is competent evidence that I owe them this debt and their inability to do so requires that they remove the item from my credit reports. I could not even get a response from hem until I filed my original complaint and when they responded to the complaint their response did not address The XXXX XXXX XXXX account which was the subject of the complaint.

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 02/13/2017 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Can't contact lender

Complaint: I have n't obtained a loan through Speedy Cash. I have disputed this with all the credit bureau but XXXX XXXX XXXX XXXX XXXX will not remove or provide me with any documents verifying the account

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I attached a file ( bankruptcy ) and the ADDRESS on the file DOES N'T MATCH with my address. They have to remove it. I have never lived at that address.

Company response to consumer: Closed with explanation