milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Struggling to pay mortgage

Complaint: We submitted a short sale request to SPS on  XXXX / XXXX /  XXXX  . I have followed up every-other-day since to ensure we are moving along swiftly. Our offer is $  XXXX  and the bank completed a value on  XXXX / XXXX /  XXXX   that came in at $  XXXX . On  XXXX / XXXX /  XXXX   I was advised by  XXXX  at  SPS  that we needed to remove the word HAFA from the HUD and put the sellers name in where the {$10000.00} relocation incentive appeared. I provided that revised HUD to SPS on  XXXX . I continued to follow-up on an every-other-day basis. Due to lack of response I opened a complaint with CFPB on  XXXX / XXXX /  XXXX   case :  XXXX . On  XXXX / XXXX /  XXXX  , I believe in a retaliation move because we filed a complaint, they countered the offer stating they need a NET of {$220000.00}. Since the buyer is already paying {$15000.00} over value we had to remove some items and reduce realtor commission. I submitted a revised HUD to SPS on  XXXX  and requested that they not hold the file for another 30 days like they typically do. I called on  XXXX  and  XXXX  with no updates. I called  XXXX  and was told that the file was noted " today '' and to keep calling that I should have an answer any time now. I called  XXXX ,  XXXX  and  XXXX  all with " no update, still pending review, a decision will be made within 30 days '' response. I called today and was advised that on  XXXX  the file was noted that the relocation incentive had to be removed. Why was n't this told to me in  XXXX  or  XXXX  when I called numerous times? Why was n't I told when I called numerous times on and after  XXXX ? I have a letter from the Ombudsman department simply telling me about a required increased NET, never noting that the incentive has to be removed. Specifically SPS told me on  XXXX  to keep the incentive, just change the wording. Now I am asked to resubmit ANOTHER HUD and wait another 30 days. I asked for a supervisor and when I told him I would n't wait another 30 days and I want my file rushed he replied " That just is n't going to happen ''. Only after I asked for his manager did he reach out and try to get a rush. They still wo n't work my file without a new HUD  (  which I have requested from title ). I thinks SPS has exhibited malicious behavior on this file - purposely being neglectful in what information they are relaying, closing out my last CFPB complaint with a counter offer only to have an oversight on their part with the relocation incentive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I AM NOT LIABLE FOR THIS DEBT IT KEEPS BEING ADDED TO MY CREDIT REPORT AS A NEW DEBT IT IS ILLEGAL TO RE-AGE A DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I closed the account and left the country. I lived in XXXX for the next 5 years and come back to realise that i have debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent Trans union a dispute letter via the United States Postal Service certified mail that they received on XXXX XXXX, 2015. requesting they investigate the attached listed items. I did not receive the results of this dispute until 2 months later ( that is dated for XXXX/XXXX/2015 which is 59 days after they received my dispute ) and was mailed out 1 month later on XXXX XXXX, 2015, which I received on XXXX XXXX, 2015 ( please see post mark on envelope ) which is 90 days pass the date they received my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$180.00} - {$170.00} XXXX/XXXX/2016 ATM DEBIT XXXX Branch {$40.00} {$5.00} XXXX/XXXX/2016 CARD XXXX # XXXX XXXX {$15.00} {$45.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$60.00} {$61.00} XXXX/XXXX/2016 CARD XXXX XXXX {$10.00} {$120.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX XXXX {$21.00} {$130.00} XXXX/XXXX/2016 CARD XXXX XXXX {$3.00} {$150.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$100.00} {$150.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX {$13.00} {$250.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$2.00} {$260.00} XXXX/XXXX/2016 CARD XXXX XXXX # XXXX XXXX {$6.00} {$270.00} XXXX/XXXX/2016 FEE OTHER BANK ATM WITHDRAWAL FEE {$2.00} {$270.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$27.00} {$280.00} XXXX/XXXX/2016 ATM DEBIT XXXX XXXX XXXX XXXX {$100.00} {$300.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$200.00} {$410.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$15.00} {$610.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} {$620.00} I had sufficient funds and regions bank charged me {$180.00} overdraft fee on the left are the charges on the right is the balance I did contact the bank and they refuse to fix this issue. I would like this matter corrected. Regions Customer Service Center 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 02/25/2017 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (TX).
Issue: Managing the loan or lease

Complaint: I applied for a hardship on my auto loan due to a change in employment. I can no longer afford my current payment and they informed me that this modification would help me out. I applied for the modification last XX/XX/XXXX. I submitted the application and notified my insurer ( XXXX ) that they needed to send the hardship department a declaration page of my insurance with Statefarm bank as the leanholder. I was contacted my the hardship department stating they received it but it did not have the correct information on it. I then contacted my insurer and asked them to resend it with the correct information. Since XX/XX/XXXX I had been locked out of my online account and saw that I had no payment due. I thought maybe they had been working on my account. I never heard back from them about the status of my application. In XX/XX/XXXX, I noticed that I had a derogatory mark on my credit from State Farm bank saying I was 30 days past due. Mind you, my account had shown no payment due in XX/XX/XXXX as well. I contacted the hardship department and they told me my application was voided after 15 days because they never received my insurance information. They said if we could find out if it was not my fault then we could proceed with the application and get the credit remark removed. I contacted my insurer and they told me that they had in fact sent the form twice. I have been back and forth with the hardship department and have been lied to every time. Saying that they do n't reverse their decisions, that I was at fault, and even stated that they had in fact received the insurance information but still voided my application. Then told me I was never even eligible for the hardship in the first place. I have asked to speak with management several times but to no avail they are always busy and never return my calls or messages. I feel like they lied to me and are trying to sweep this under the rug and avoid taking responsibility for what happened. I wanted to do what I can to be able to make my payment and stay in good standing on my account but they flat out refuse to work with me or help me out. I have been struggling and just need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This company came after my husband many years ago about this dept. He tried to settle with the help of a lawyer. They would not settle. many years later they came after me. I had no knowledge of what had happened. My husband told me to ignore this company he was dealing with them. The next thing I know they are calling me to court, I went to the courts and explained that this was not my dept and it was my husbands, the judge allowed {$300.00} a pay garnishment from my pay, {$600.00} a month. I told them I have my mom living with me and kids, I would lose my car and my job without a car. I had to share my insulin with my mom because I could n't afford to help her out when they took the first XXXX then pay XXXX to file bankruptcy. I had to stop them from taking my money at this amount. After going over everything I decided not follow through with the bankruptcy, I could not pay off my other debts because of this one. I had good credit up until this happened. I have tried to have this resolved and got nothing but hassled garnished my wages, I had to endure humiliating moments that had me in tears, missing work and sharing my medication so my mom would not get sick. This company showed up out of nowhere demanding all this money, we have asked for proof. They gave us no solid proof and did not work with my husband many years ago and now they have caused me personal problems. Like I said earlier, my credit score will speak for itself. before this happened my credit was good and now I have bankruptcy even though I did not go through with it, I ca n't become what I hate and XXXX over other companies to get out of this problem. I am hoping somehow you can help me and others from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Macys continues to call my home every other night at approximately XXXX XXXX to try to collect an alleged miniscule balance on a store credit card plus late fees on late fees on late fees. Because I do not believe I owe the anything, I have asked for documentation of the alleged outstanding balance together with a record of payments I have made. I cancelled the card and because they refused to provide documentation, I filed a prior complaint with your agency requesting documentation and the cessation of the unending phone calls. Macys is dragging its feet in responding to the request for documentation and has now requested an additional 60 days, as you informed me in a recent email status report. 
Meanwhile, the phone calls continue. This complaint is to request relief that the phone calls to my home cease immediately pending resolution on this disputed debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed and sent information to XXXX Equifax XXXX went up and XXXX has went down even more. It 's like a game to these people ... XXXX has a class act lawsuit and I sent them information about this and they still refuse to remove it off my credit report. Also XXXX items in collections has been paid for months ... XXXX actually came off and then right back XXXX..What is the problem with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX

All Inquires were submitted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
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: In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Contained therein was an account for Nissan Motor Acceptance under account number XXXX. <P/><P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and XXXX credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/><P/>I disputed the erroneous late payment with Nissan Motor Acceptance, in addition to XXXX, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/><P/>On or about XX/XX/XXXX Nissan caused this account to be " updated '' at the XXXX, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/><P/>My credit score at the XXXX, XXXX and XXXX consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/><P/>I contacted Nissan, in addition to XXXX, XXXX and XXXX to report the error. Nissan Acceptance advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/><P/>I entered a dispute on XX/XX/XXXX with XXXX, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Consumer Loan (Vehicle loan) with MIDCOUNTRY FINANCIAL CORP (WI).
Issue: Managing the loan or lease

Complaint: I have a loan that was to be paid off to Heights Finance after over a month of attempting to gain the pay off figure I have yet to been able to obtain that amount, meanwhile they are attempting to repo the car. I have called, faxed and went to obtain the loan and could not get the exact pay off. The company has completely ignored the requests.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with Joseph M. Tobin, PC (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Received notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this an attemp to collect a debt from XXXX XXXX XXXX the amount of XXXX.. Got no debt from this company, did not received any notice or statements or any attempts to contact me to notify me of such debt ... please advise as to what i can and should do ... i am given 30 days to dispute ... I searhed about XXXX and they are banned from collecting debts by FTC case filed on XX/XX/14.. thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My card was stolen, I notified capital one on XXXX/XXXX/15, they have decreased my balance by the fraud amount but have not made it available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I opened a Macy 's card in XXXX of 2013. I went in to pay my bill in the store. I told the clerk I wanted to pay my outstanding balance. He instead charged me for the minimum payment. Then Macy 's hit me with a couple of late charges, which after many hours spent contacting people at the Macy 's CC center, I finally spoke with a manager high enough up that was able to help me, and agreed that Macy 's wrongfully reported all lates and would have them completely removed. However, the lates were not fully removed from all XXXX credit bureau 's. Still, to this day, XXXX shows a 30 day late on that card. It has continued to affect my credit, ability to purchase, and get new credit.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 01/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated XX/XX/XXXX and had my loans consolidated and put on income contingent. My account has never been delinquent or has had a missed payment. I went back to school after XX/XX/XXXX which put me in another deferment and my subsidized loan interest were being paid by the government. A couple times I went below the minimum hours required and when my deferment expired I requested an economic hardship because I qualified. I was told each time to go on a forbearance even know I qualified and requested economic hardship as well as faxed all the required paperwork. I should have 0 interest built up and capitalized on my principal for the subsidized loan as the government should have been paying my interest on these but because they put me on forbearance in which I did n't request it has been accruing interest that has capitalized each year. I asked and submitted documents every time this happened and made sure I requested economic hardship and each time I was told by them they could only put me on a forbearance. I finally complained to them and XX/XX/XXXX they finally put me on economic hardship but it is showing that interest on my subsidized loan has continued to accrue during this time and the government is not paying the interest. I feel that they have purposely ignored my request each time for economic hardship and put me on forbearance to increase my debt. Interest on subsidized loans under economic hardship should be paid by the government but in my case it appears that I 'm going to have to pay it. Something is not right! They are now looking into it which makes me wonder how many others are getting XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 'll admit upfront I was late for XXXX days on XXXX dollars when my escrow creeped up in XX/XX/XXXX. When they called me in XX/XX/XXXX they told me I was XXXX month late. I was n't sure what to think, so I went on their website and found the escrow issue and made immediate payment. I called them back and asked if forgiveness was possible. XXXX ( the cust. serv. ) said I had to send in bank records and they 'd need XXXX days to decide.lol By the time XX/XX/XXXX and XX/XX/XXXX had passed I had XXXX late payments against me even though I had paid all my P & I and taxes and insurance up to date. Just not the late payments. If they had n't tacked on late payments i was never XXXX days late ever. 

Also, I made payments XX/XX/XXXX and XX/XX/XXXX. The XXXX payment on the XX/XX/XXXX should n't have been processed until XX/XX/XXXX, but they Processed it on the XX/XX/XXXX. IN XXXX YEARS THEY HAVE NEVER PROCESSED A PAYMENT IN UNDER XXXX DAYS. Then, I 've never paid ahead of time. Still their records show they put the moneys in suspense not principle. These guys are playing games to balk consumers out of late charges. I need help to get these guys back, and to restore my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle from XXXX XXXX in XXXX. The dealership facilitating the financing with Wells Fargo Dealer Services. I have made several requests for the Credit Score Disclosure to be provided to me, to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I mailed several cease all contact letters to this Credit Collection Agency, but they have failed to honor my request to not be further harassed by telephone or via letter.

Company response to consumer: Closed with explanation