milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Caine & Weiner Company, Inc has falsely stated in response to a complaint # XXXX filed with the Better Business Bureau that correspondence was sent to my address in XXXX XXXX, XXXX XXXX and XXXX XXXX. Correspondence received ( see attached ) were only two pages, none of which outlined details from the creditor records that included policy start and cancellation dates, last payment dates and amount paid and the remaining balance due on the policy prior to cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE).
Issue: Loan modification,collection,foreclosure

Complaint: The servicer, Rushmore Loan Servicing is stating that the investor wants {$25000.00} down payment before they will modifiy the loan for a three month trial period. It was declined when we could n't come up with the payment we offered to spread out with the trial period payments. Initial down payment we could do was {$5000.00} that was declined. Then we offered {$15000.00} down payment to be spreadout in three month with the trial period payment. XXXX, who is the contact representative with Rushmore said she spoke to her supervisor's-supervisor and said that the investor said no that they need the entire {$25000.00}. My Home is currently in foreclosure and assigned to there Attorney. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home mortgage. It is owned by XXXX. XXXX hired Seterus Inc. to service the loan. Seterus is mismanaging my loan. We tried to adjust the escrow in order to pay off a deficiency in it sooner than Seterus wanted. Seterus took the adjustment, and then declared us ( my wife and I ) in default for {$5000.00}, and threatened to foreclose. We have never missed a payment since the loan was made in 1996. I tried to explain to them what was happening, and I refused to pay the {$5000.00}. I wrote to them that they were mistaken, and we were not in default of our loan. They then demanded payment of {$400.00} and again threatened to foreclose. We remain current on our mortgage and we are not in default. All we tried to do was to prepay a mortgage escrow shortage sooner then Seterus had said. We checked the Internet and found XXXX of complaints about similar conduct by Seterus made by others. This company needs to be reined in. They are out of control. 
XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Transunion applied a fraud alert on all of my credit files that i did not request. This has caused me to be denied for a credit card that i applied for. I did not request this i did not ask Transunion to add an alert to my files. I want this and the request from the other files to be removed immediatley.

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 01/21/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I think it illegal for Select Portfolio Services to " claim / state '' ownership of a debt and report same about that debt while it is and has been in legal proceeding since 2010. The specific being a Quiet Title action taken against XXXX Bank Home Mortgage filed in XXXX XXXX by XXXX XXXX XXXX XXXX. of NY. ( See attached ) This action precludes any possible transfer of " debt '' or " claims of debt '' from XXXX Bank to SPS and thus, makes it impossible for SPS to have any say or standing in the matter. 

there is and has been a QUIET TITLE Action in court with XXXX in XXXX, NY XXXX XXXX XXXX XXXX since 2010 ( decision and Order Number XXXX by Judge XXXX XXXX XXXX ) So how can XXXX transfer something it does not legally own, furthermore, how can SPS claim to have rights? let alone publish such rights without legal standing? 

this is clearly criminal and potentially Identity theft XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.

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 04-08-2016 about Debt collection (Credit card) with MILLENNIUM FINANCIAL GROUP, L.L.C. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Today I was at work and a person named XXXX called my job to talk to me about debt that is owed to Millennium Financial. I told her I was currently at work but she demanded that I discuss the debt immediately. I then asked for her phone number and she proceeded to give me the phone number but then demanded that I call her by Monday XXXX XXXX I thanked her for the information and she hung the phone up on me. Her tone during the call was unprofessional and did call the number back to file complaint with her company. I also asked for them to never call my job again and that she never contact me regarding this issue. Millennium Financial and a company named XXXX are attempting to collect on this same debt and I do not feel comfortable discussing it with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I was owed {$1300.00} from Loancare for an escrow payout. The first check I received they placed a stop payment on and I was charged {$15.00} by my bank. They now owe me {$1300.00} dollars. They continually send my check to the incorrect address, misspell my name on the check, make the check out for the incorrect amount. This has been going on for over 2 months. Their customer service is nonexistent. I have never experienced anything like this that has compelled me to file a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Chase Receivables keeps calling, I do not owe any debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit reporting agency will not remove paid tax lien even though documentation states that it is " paid, satisfied, and cancelled from the record. ''

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 02/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loan held by US Dept of Education is being service by Nelnet. I 've called Nelnet in XX/XX/XXXX to obtain outstanding balance information on my student. I was told my current balance was {$17000.00} which include debt from XX/XX/XXXX to XX/XX/XXXX. Approximately two months later I 'm being told my student loan balance increased by {$6500.00}. I called Nelnet servicing dvision to get reason for the increase. At first, customer service representative was n't to sure for the reason and transfer me to a supervisor. Supervisor told me increase was due to reduced APR I was being charged while I was in Chapter XXXX bankruptcy. Student Loan with US Dept of Education was included into my Chapter XXXX bankruptcy filling. I told supervisor this in direct violation of the federal bankruptcy laws. I 've sent letters to both US department of Education and Nelnet asking for someone to contact me regarding matter. I 've attempted to contact US Department of Education for assistance, but was unable to get any help. I getting the run around with Nelnet when I ask for explanation. Nelnet saying it 's US Department of Education that caused the increase. Which is untrue. My Chapter XXXX bankruptcy was discharge in XX/XX/XXXX and XX/XX/XXXX Nelnet provided balance of {$17000.00}. Do n't understand {$6500.00} increase two months later. I 've asked Nelnet to do a full accounting audit on my loan balances, but have yet received any information from Nelnet. Nelnet is misrepresenting my true loan balance and refused to get matter corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my XXXX credit report that I did not authorized from XXXX XXXX XXXX for the following dates : XX/XX/2017 ( twice ) and XX/XX/2017 ( twice ).

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 10-10-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit line increase/decrease

Complaint: I have ( XXXX ) citi cards, XXXX visa and XXXX mastercard. This pertains to my citi visa card. Earlier in the year, I did a balance transfer in order to pay the balance without APR. Since then, I charged additional dollars on my citi vsa card during a certain 2 months. I always pay my cards on time and alot more than the minimum balance due. Since XXXX I have {$4700.00} toward this card. They have lowered my limit twice this due to " credit report review. '' They have not disclosed specifically about what caused the limit to decrease. Once I called and they told me due to another delinquent payment on another card. This is untrue because I have not had any delinquent payments to another card. I pay all cards on a regular scheduled basis. They said they sent me a notice but the email notice only includes the notification of the decrease limit. These actions are contributing to a lower score because it seems as if I am more maxed out than I would be if the limit stayed the same as it was in the beginning of the year. I asked the representative today where does it show that they are allowed to lower my limit. She said in my terms and conditions. I could not find the statement that shows this information. Then she mentioned it does disclose my APR could change. However, a change in APR is completely different than changing my credit limit. I wanted to to understand why they were doing this. Asked for a supervisor. Their response, " There is nothing we can do for you but have you reapply for a limit increase.It is too late to do anything from the credit decrease in XXXX. '' XXXX, I think I remember doing this already earlier in the year and still were not able to give me any more information. I am on a vigorous financial plan to payoff the credit cards, $ XXXX per month and have been for 7 months. I do n't charge more to the cards with the exception of one because there is no APR on it and they are business expenses. I do not live off the cards and have enough income and managing everything appropriately. They have failed to provide sufficient information as to why they are taking this action which adversely affects my credit score while I am trying to retain my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Payoff process

Complaint: CitiBank N.A was willing to settle my credit card account for the sum of {$2100.00} on XXXX/XXXX/2015 unfortunately I was XXXX and unable to pay the amount. When I finally saved up the money to pay, I contacted CitiBank and was referred to a company called XXXX XXXX XXXX XXXX who initially wanted me to pay {$3600.00} and XXXX weeks later changed it to {$4700.00}. 

When I called XXXX back, XXXX XXXX a representative of XXXX XXXX referred me to a manager who said I had one hour to pay the {$4700.00} after which I would have to pay the full amount of {$5600.00} XXXX XXXX XXXX XXXX is the most unprofessional and crooked company I have ever had the unfortunate need to contact. They change the amount owed at will and when I asked for a manager, they put a very rude and obnoxious individual on the telephone who gave me an hour to come up with {$4700.00} or face paying the full amount of {$5600.00} saying I am not facing any hardship by his own determination.

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 reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with Equifax ..., XXXX and XXXX deleted it ... equifax has not

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Midland Credit Management contacted me at my place of employment before XXXX on Thursday XX/XX/XXXX and hung up. I called them back and they refused to tell me what the issue was unless I gave out my personal information which is a second violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney XXXX that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with XXXX attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney XXXX to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX XXXX XXXX retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 am submitting my complaint as my original inquiry was not addressed. CFPB dispute case # XXXX. 

Equifax simply repeated the same information they have been telling me since XX/XX/XXXX. When I mention that to them they tell me it is the creditors fault. Since there is more than one, I know that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This dept is not mines. I have disputed over 5x but it is still on all 3 of my credit reports. I also have reported this collection acct to the FTC. The address listed for the collection acct is not my address nor has it ever been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Credit card () with CITIBANK, N.A. (MN).
Issue: Billing statement

Complaint: I have a Best Buy credit card and made a purchase on a " no interest for XX months '' promotion that expires in XXXX. There is only a small balance left on this promotion. I realized this month that the total balance shown on my monthly statement does not include this outstanding promotional balance. So for several months, I have been paying my balance in full - I thought - but in reality I have only been paying for the last month 's purchases, and my promotional balance has not been paid. I think this is incredibly misleading - my " account balance '' should reflect my entire balance. I should not need to carefully read through my entire statement to find a separate promotional balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX hired a collection agency to collect a debt I did not owe. The notice I received from the collection agency, Eastern Account System of Connecticut XXXX Inc. was intimidating. The Notice said the debt would be " valid '' if I did not contact the agency, during office hours ( XXXX XXXX to dispute the debt within 30 days. Instead of calling the collection agency, I called XXXX. 

On XXXX XXXX, I called XXXX and was told by the first XXXX rep that the debt was valid, despite the fact that notes in XXXX 's own records showed that ( i ) I had cancelled service with XXXX on XXXX XXXX and ( ii ) this was within 30 days of initiating service with XXXX on XXXX XXXX. I told the first XXXX rep I did not have an outstanding balance. He told me the records showed that I did have an outstanding balance, and refused to allow me to speak with a manager. Instead, he said I would receive an email within 48 hours with a final decision by a XXXX manager. I never received any such email from XXXX. 

A week later, on XXXX XXXX, I once again called XXXX to dispute the charge. I spoke with a second XXXX rep and once again was told the debt was still valid. He told me there was nothing that could be done over the phone and that I had to travel to my local XXXX office to try and dispute the charge. As I was asking for information about notes that XXXX had made in the account, he disconnected the line without any notification and my call was re-routed to the regular XXXX customer service answering service. After going through the entire customer service process for a fourth time, I was finally connected with a third XXXX rep, who after reviewing the notes told me XXXX agreed I had canceled the service within 30 days, there was no outstanding balance, and I would be receiving a letter in the mail confirming as much. 

Companies like XXXX should not be able to treat customers this way. The company makes it very easy to set up service, even promising to allow customers to cancel service at no charge within 30 days. Then, after a customer cancels the service, XXXX bills the customer anyway, refers them to a collection agency, hangs up on them when they call to dispute the charge, and makes them spend hours of their own time before finally relenting. This is consumer fraud and is wrong. Please help protect me and other Americans from these sorts of practices by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation