milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Hello, I have an account in collections with XXXX XXXX in NY for a previous account I had with XXXX/ Synchrony Bank which was a credit card used for medical bills. We had a balance of {$460.00} as of XXXX 2014 with Synchrony Bank which was charged off to XXXX and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both Synchrony and XXXX attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for medical bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have other complaints ongoing regarding PHH @ loan # XXXX that are still unresolved. This complaint is regarding the property taxes that are payed with our mortgage payment as terms of our approved loan modification. XXXX paid the property tax payment due XXXX XXXX XXXX. We had our check for the taxes returned from XXXX County with a letter saying the taxes were already paid. The loan was transferred to PHH and they did not pay the XXXX XXXX XXXX installment in violation of the approved loan modification. All trial payments were made on the date they were due. I am attaching a letter from PHH that we are being charged for the taxes in an escrow acct. this fraud. I am also attaching a letter from PHH dated XXXX XXXX th. stating they are honoring the plan when they receive the final trial payment due XX/XX/XXXX.When they wrote this letter the payment had been in their bank since XXXX XXXX XXXX, .over two weeks earlier than the letter .PHH has also sent back our XXXX XXXX payment and all future payments. I have made numerous phone calls to XXXX XXXX with PHH who signed the XXXX XXXX th. to no avail. She keeps telling me to have patience that it will be worked out. I have no confidence in this firm to get this resolve without legal help to protect us. This is affecting our families health and well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get my mortgage modified with Wells Fargo Home Mortgage for over 7 months without success and recently the lawer they hired to try to collect sent me a debt collection notice and on it, it states that I have 30 days to respond after receiving the letter if I dispute the information. I responded quickly to their letter by fax ( attached ) and by phone to the lawyer and told them I was reviewing the information and will get back to them shortly. The lawyer then sets a sheriff sale date for the house WITHOUT allowing me the legal 30 days to review or dispute the original debt collection notice from them.

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 09/24/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/XXXX Shellpoint Mortgage Servicing phones were not working due to XXXX XXXX, thus, I was unable to make a debit payment as usual. I instead sent XXXX money money orders which was the correct amount, the next day returned receipt. The money orders were sent back. Since XXXX/XXXX/XXXX I have called XXXX frequently without results/resolution. XXXX XXXX attachments XXXX Now, my loan is in default because of my difficulties of communicating with Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (AZ).
Issue: Managing the loan or lease

Complaint: I have a XXXX credit card ( home improvement store ). I pay regularly each month. Currently, they ask for a minimum {$25.00} payment due on the XXXX of each month. I made a {$30.00} payment on the XXXX of the month but they are not counting it as a payment for this month as toward the minimum, instead demanding that I make a payment on or before the XXXX. I feel that I have satisfied the requirement for this month and their doing this is a deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is charging {$330.00} and it reflects as derogatory in my credit history in 2014. I did n't ever sign or even negotiate a contact with XXXX. I was studying abroad at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove account yet Transunion continues to report account. Please delete account number XXXX from my credit report immediately as agreed.

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 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have had an injury problem since XXXX which has reduced my ability to work. 
Consequently I have had problems paying certain bills, my Capital One bill among them. 
After several late payments and collection calls where I explained my situation I asked them to change my payment due date. 
They said I had to make a {$10.00} payment ( which I made on XXXX/XXXX/XXXX ) and call them back. 
When I called them back onXX/XX/XXXXthey said I had to make a {$50.00} payment ( which I did on XXXX/XXXX/XXXX ) and call them back. 
I* called them back on XXXX/XXXX/XXXX and asked, AGAIN, to have my due date moved to the XXXX of the month and they told me it 'd take XXXX MONTHS for it to be effective!!! 
Meanwhile my payments will continue to be late and they will continue to charge me {$35.00} each. 
Thus far they have charged me a {$35.00} late fee on XXXX, XXXX, and {$25.00} on XXXX, Never once when I was getting collection calls was I told by the bank that I could change my due date. That was wholly my OWN idea.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (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: On XX/XX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however XXXX has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted. 


On XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX Request to reinvestigate with XXXX and provide physical verification. Documentation will be attached. 

Also sent request directly to XXXX XXXX to validate this debt and no response as of date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Payday loan () with CURO Intermediate Holdings (ID).
Issue: Can't stop charges to bank account

Complaint: I am currently in a loan where I owe XXXX I can not pay for it because I have just lost my job, I will be going to college and after that the loan will be too much for me to even pay for. The bank that I have is with XXXX and this is in Idaho. I called them and talked to XXXX different people about the problem that I have and they had no solutions I wanted to foreclose the loan and they were not able to process it I am currently filing for bankruptcy and will be stopping any further payments to this speedy cash loan place, I WARN ANYONE WHO DECIDES TO GRT A LOAN DO NOT AND I REPEAT DO NOT GET XXXX HERE because this is absolute XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am writing regarding my attempts to receive an annual credit report, and to place a security freeze on my credit information with TransUnion. Regarding both XXXX XXXX XXXX, I was able to accomplish both of these tasks on line quickly and easily. 
However, with TransUnion I have been totally blocked from both receiving an annual report and with placing a security freeze. On XXXX and again on XXXX I attempted to use the online service, XXXX to receive my annual reports. When applying to TransUnion, I was told repeatedly that my application was blocked due to high volume. After several tries, I was told that I had received my report already. ( I have not received a report ). Today, XXXX, I attempted to place a credit freeze on my data. Again, with XXXX XXXX XXXX I was able to accomplish this easily on line. At the Transunion site ( transunion.com ) there was no discernible link to place a security freeze. When attempting to reach them by phone, I was repeatedly disconnected. On their website I was directed to set up an account, later I came to understand that I would be charged {$19.00} per month for this, and immediately cancelled the account. Clearly, TransUnion is only interested is selling useless products, not in providing the simple info required by law.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mobiloans, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Illegal Payday loan who is not licensed to do banking or credit report in NJ and is violating NJ Unsury laws refused to lower the 800 % interest rate. They have then reported the loan on my credit report which the amount is inaccurate. The credit reporting agenccy says it is valid and they can not remove it.
Loan # XXXX Mobiloan

Company response to consumer: Untimely response
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is an erroneous and fraudulent debt. This apartment complex made false charges of damage and never notified me. I am on XXXX housing in order for me t move into or out of an apartment an inspection is done if there were damages I would have had to repair them prior to leaving in order to be issued another housing voucher. Years later this shows on my credit report while I am trying to rent another apartment. I asked for proof of debt and was given an invoice that is not proof pictures would be proof not something that someone wrote down. Due to me being on housing I only have a small amount of time to secure another residence or I will lose my housing voucher. So after going back and forth the new apartment complex said well if you pay half of the debt we will rent to you. So I paid XXXX on a debt I do n't even owe and the company National Credit Services refuses to give me a receipt so that I can show my new apartment complex and secure the residence. As a result I know had until XXXX today XXXX/XXXX/2016 to turn in my new housing or I will be removed from the housing program. I begged, pleaded and cried explaining that I am elderly and XXXX and about to become homeless if they could please provide me a receipt for my payment they adamantly refuse and I am now going to be homeless all because they refuse to provide receipt of payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (NV).
Issue: Loan modification,collection,foreclosure

Complaint: While working to get a repayment plan to bring the loan current or get a modification XXXX loans did not respond to request, sent letter that had expiration dates to offers for repayment plans weeks after they were due and failed to approve or deny a loan modification I requests twice. While working to prevent a foreclosure they continued to file documents to proceed with the foreclosure and falsified those documents stating they had no communication with me. 
They then sold the loan to Selene Finance who filed for a foreclosure auction on my property. After contacting them I asked to get a repayment plan and requested a modification. The next call to them the agent stated that the requests were never sent from the previous agent and they would check why. This agent stated that I could download the documents from their website and fax them to them. After talking with them today XX/XX/2016 I was not informed if there was repayment plan approved or denied. I was told that they would most likely not be able to process the modification because of the lack of time. I informed them of the previous forms submitted to XXXX loans and that there was a modification which was not approved or denied and was told they do not care what the previous company did. This is the third time I informed them that the process leading to this point was not carried out properly and all three times I was told by XXXX different agents that they do not care what XXXX Loans did. I believe that they are being negligent and purposely making the process difficult. They have no intention of following the law and despite me informing them of the issues they continue to proceed with the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Other debt) with First Data Corporation (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Subject : Dispute with XXXX XXXX XXXX on XX/XX/XXXX for XXXX water heater which is under 9 years warranty with 4 years in use Dear CFPB Agent : I would like to file a complaint against XXXX XXXX XXXX ( XXXX ) for not fixing my water heater correctly. On XX/XX/XXXX ( XXXX. ), I requested a service repair from XXXX to repair my XXXX water heater ( under 9 years warranty ) for no hot water. After 6 days, the XXXX service technician came to my house for the repair service on XX/XX/XXXX ( Wed, ). The service technician replaced a PC board. The water heater seemed to be working. The pilot light was on and the flame was on. I gave him {$180.00} by check ( Check # XXXX ) in full for the repair service. In the evening, we found out that we had no hot water again. I called XXXX again on the next day XX/XX/XXXX ( Thurs ) to fix the problem immediately because we had no hot water to use for a week already. We had paid the money on XX/XX/XXXX and the problem should have been fixed on the day the check made out. XXXX refused to come back. They rescheduled me on XX/XX/XXXX ( another 9 days ) and then XX/XX/XXXX ( another 5 days ). We could not have not hot water to take shower for two weeks. I told them to give me the full credit if XXXX could not fix the problem on XX/XX/XXXX so that I can buy a new water heater instead. XXXX put me in the circle to make several phone calls around without solving the problems. Therefore, I went to stopped the check payment to XXXX immediately and then replace the new heater heater immediately. I have been calling XXXX since then in an attempt to solve the issue. They are still putting me around the telephone circle without solving the problem. Now, XXXX had put me in the collection agent for collecting {$180.00} without fixing the water heater problem. I am now writing this letter requesting CFPB to help resolve this issue for me. Your time and effort will be greatly appreciated. I can be reached at XXXX XXXX ( H ) or XXXX XXXX ( C ). Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a Qualified Written Request to " Specialized Loan Servicing '' on XXXX XXXX, 2016 to request a deletion letter for an item on my credit report and they failed to send me a response. The first time I called on XXXX XXXX, 2016, the representative told me just to submit a QWR and it should be no problem to delete the item since it is an error. I asked if it was OK to send by FAX. She said yes and gave me the SLS FAX number to send it to. 

A few days later, I called to make sure they received the letter and the rep said yes they received it and would have a response for me within 30 days. After 30 days had passed, I called to check on the status. At that time, they told me they had 30 business days to respond. 

On XXXX XXXX, I called again to check on the status. They said a letter was generated on XXXX XXXX and sent out. I told them I never received it, and they said that there was an error and they would have to send it back to their credit dispute department. I asked for a manager to call me. No one ever did. 

On XXXX XXXX, I called again and got the same run around. I asked to speak to a manager but no one was available again. They told me once again that a manager was going to call me back but no one did. I have not received anything from them. When I asked what address they sent the letter to, they could n't tell me. My current address is clearly printed on the Qualified Written Request letter. I also included 1 ) my credit report and 2 ) my marriage certificate with my name change, which SLS requested when I spoke to them the first time. 

SLS information is as follows : Specialized Loan Servicing XXXX, CO XXXX FAX : 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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit report shows a hard inquiry from  XXXX . I did not authorize this inquiry and would like it removed from my credit report  XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX  2016

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 10/14/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (MI).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX co founder of Rush card has been security has been breached. ... .I have not had access to my bank account for 3 days and my debit card is not deactivate and I ca n't get anyone on their phone. ... on hold for hours ... ..look at rush card XXXX and XXXX to see XXXX of angry customers ... ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I am highly concerned by the actions of Capital One. They have now called me for the fourth time today wanting to talk on a conference call to my bank, they want me to verify name, bank accounts that I use, ownership of accounts, and information over the phone. I have spoken to the corporate offices and they tell me there is no record of these calls and they are " so sorry. '' However, everytime they have threatened to restrict use of my credit card even though it has an over payment credit on it, and they stop all useage of my card each time. They force me to have conference calls with the bank AGAIN, and give them all information then they release the hold of my funds. My concern is the lack of recording all these episodes and even when I speak with a supervisor they tell me that there are no " notes '' in the files to documentation. 4 conference calls to XXXX to hear me say all my confidential information. The Capital One employee on the phone as I write says she can not say what the problem is, '' there are extensive notes. '' They leave me on hold for 17 minutes while they 'look up '' the number for XXXX . There is concern on my part for the unprofessional conducting of business that has created over 6 documented hours of time with Capital One or they threaten to restrict my account. This company is not up to the banking standards I would expect from a company that handles banking transactions when they take payments, lose payments, find payments, return payments and can not keep notes.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There 's several names that are fraudulent on my account that I 've never used and I 've asked them to be removed with no resolve. I have even sent in a letter that displays a copy of my driver 's license that was notarized and it still has not been removed! I am tired of this incorrect data being reported.

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