milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Mortgage (Other mortgage) with Sortis Financial, Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: By XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ), which held a 2nd Against our home, had gone out of business. Four for years ( since XX/XX/XXXX ), not a single legal entity contacted my for payment for this the 2nd lien ; thereby surpassing the four year statute of limitations as defined by California State Law ( California Code of Civil Procedure 312-366 ). To wit, the 2nd Lien Held by XXXX XXXX XXXX XXXX is mute as it was never collected upon during that four year period after the company went bankrupt due to many of the company executives being found guilty of embezzlement and perjury in Federal Court ( see the attached documents for a complete explanation ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: According to this company, that I do n't know exactly what its real name is, my mother, XXXX XXXX, has n't paid a bill from the XXXX she had done last month on XXXX. My mom has already paid a bill from this procedure already. She has n't even received any other bill. This lady said her company has been sending this new bill to my mom 's but she has n't received it because the address they said they have on record was n't my mom 's. If this is not a scam, they should correct the address they have in the system, send a new paper bill and give my mom a reasonable monthly payment. My mom was stated that she has been previously contacted by other XXXX speaking representatives to collect this debt which amount is according to this lady, {$900.00}. My mom has n't received any call from them before. My mom was asked to pay this amount immediately by phone that day or they will report her to the Credit Report Agencies. My mom got really scared and called me. I have repeatedly called them and nobody answer my call, and I have left my name and number in voice messages. When you call the welcoming says " Nation Wide ''. What kind of medical institutions or debt collectors institution is this XXXX that attempt to collect a medical bill this way. My mom asked if she could pay this debt little by little and they told her that she had to pay that amount in full. I think this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (FHA mortgage) with Alabama Housing Finance Authority (WA).
Issue: Loan servicing, payments, escrow account

Complaint: For two years in a row now, my mortgage company has paid my homeowner 's insurance late prompting the insurance company to issue a cancellation notice. The mortgage company then responds with a threat that if no insurance coverage is active, new coverage will be purchased at an astronomical expense to myself. This year, the lateness of the payment has also incurred late charges for which I will not be responsible. The company is based in Alabama and is called ServiSolutions.

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 08-12-2015 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The hospital says I owe them {$310.00} when I owe them nothing because it should have or has been covered by my medicaid insurance. This has been reported to them several times and is now on my credit report as a collection when it should n't be.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I 've been a victim of identity theft and someone tried to obtain credit using my name There are several inquires on my credit report as of result of that and I 've tried calling and disputing these inquires with the credit bears and they are not helping despite the fact I have been a victim of identity theft. They only thing they did is they 've put a fraud alert on my credit file but not willing to remove the inquires which hurt my credit. Please helming thanks.

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/EQUIFAX/TRANSUNION XXXX : XXXX BANK XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or "  suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 07/24/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Addresses showing in XXXX and XXXX and I have never lived anywhere but XXXX until I moved to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees

Complaint: I received an American Express prepaid rewards card as a rebate for a purchase. When I made the purchase ( through XXXX ) they indicated there would be a rebate ( {$9.00} ), but not that the rebate would be in the form of a card. 

Therefore, no disclosure as to the cards fees or expiration date were made. 

When I received the card I noted an expiration date of XX/XX/XXXX. No worries plenty of time to use the card. 

I went to use the card today. {$0.00} balance. A call to Amer Express was made and the the Rep for Amer Express claimed that this card is not subject to ANY restrictions of fees and that they have charged me a fee each month until the balance was XXXX. 

The Rep pointed out that on the back of the card is a disclosure about the fee. True enough there is a disclosure on the reverse of the card about fees which includes a guarantee that funds never expire contradicting the expiration date on the front of the card. 

I offered to let the matter pass if my card was reimbursed the {$9.00}. Rep refused. 

{$9.00} is not much. But I reason that Amer Express is doing this as a business practice and it yields them XXXX. 

Card # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Creditors Specialty Service Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original Creditor ( XXXX XXXX ) charging me for storage fees. I instructed tow driver to bring my car to the junk yard. He told me that a bill will be sent to my address. Six days later, i called in to ask if i can still get some of my things. To my surprise they informed me that i need to turn-in my title and i am charged for storage while title is not turned-in. I tried to explain no one have informed me, but they did not allow me and told they will place it to collection. I'am not aware about turning-in my title to them. If i knew it i should just turn it in on the very same night. They did not even called me or inform me, i just discovered it by accident since i need to get some of my things. It seems like if i have not called in, they will just keep on charging me storage. I 'm disputing the storage charges. I should not be charged. Proper information and explanation should have been initiated before any services have rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hi, my name is XXXX XXXX and I want to file a complaint concerning the day I was bullied by my " loan servicer '' & company on XXXX/XXXX/XXXX. On this day, a few days after I was asked what I would do if my family 's wages got garnished because of my inability to pay them, I told them that I could only pay them {$70.00} and that I was willing to pay that amount to them per month. Navient said that {$70.00} was n't an option and that I would either have to set up a monthly payment amount of {$130.00} from that day forward or pay {$200.00} to keep my loan out of pre-default. I pleaded to them that I was only interested in choosing a payment amount that I could maintain monthly, and not revert within months. ( Years earlier I was goaded into aceepting a payment plan with an outrageously large price point in regards to my income ). They said this was the best they could do for me. When I told them that I was only able pay {$70.00} they told me no because it would n't be enough to match their price point and hung up on me. I actually had to call THEM back just to pay them. 

My aunt, who consigned this loan, told me to mail it in to them but I was afraid that it would n't make it to them in time ( because they only count payments on the day it went through, not when it 's dated ), and that they would move my loan to pre-default status. So I called my aunt to explain the current situation with Navient. After the call, she sent me the following text : " XXXX '' This took an XXXX on me, forcing me to pull money from my other responsibilities to keep the loan out of " pre-default. '' So I called back and paid the extra {$130.00} with money that I had designated for other bills. This brought the final total to {$200.00} when I actually only had {$70.00}. To this date, we have not resolved this issue. I have had several other experiences with Navient that are similar to this one throughout my business with them, dating back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I just graduated my XXXX program at the end of XXXX. I paid all of XXXX student loan payments on time. Then I went on a 2 week trip abroad, and could not be reached during that time. My loan payments are not due until the XXXX of this month, and it is XXXX XXXX. When I received a call from a Sallie Mae rep, I told him I would call on the Monday after I returned ( XXXX XXXX ). Sallie Mae 's automated program called me today ( Sunday ) a total of XXXX times with a recording that said to call back Monday. This is harassment, when a bill is not even due! I can not call them back to get them to quit harassing me because the recording says they are only open Monday through Friday! I was trying to spend time with my family and the phone was ringing off of the hook. This is completely unacceptable behavior by the loan agency. I am recently graduated, and intended to work on the process of consolidation this coming week after returning home from my trip. XXXX ( a company that is related to Sallie Mae ) also called me multiple times this evening. With XXXX, the caller i.d . showed up as " unavailable '' and the lady immediately asked me to verify my birthdate. I am not about to give my birthdate to a stranger on the phone with an unavailable callback number ( in case of identity theft ). She was very rude to me and hostile and told me " You better call us back then! '' ( as if I am the one who is in the wrong ). This is all completely unnecessary. I have been paying on my loans throughout my time in school. Calling me XXXX times in one day from Sallie Mae and XXXX times in one day from XXXX is harassment and is not legal. These companies should both be cited for violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.

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 05/26/2017 about Debt collection (Other debt) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a voicemail on XXXX XXXX requesting a call back from XXXX XXXX with Nationwide DMS and the number provided was ( XXXX ) XXXX with her extension. I did not call her back. The very next day ( less than 24 hours ) I received a call at work from her. I informed her it was my work number and she said she was aware but she was a debt collection company attempting to collect a debt and she was notifying me that they were pursuing legal action if not paid. I then explained I can not pay, I am in the process of retaining an attorney for bankruptcy. She then proceeded to tell me that these fees can not be included in a bankruptcy which to my knowledge is incorrect but neither I nor she is an attorney and should n't be providing that information. She was very persistent and made it seem like I must call her back today ( if I can pay or make payments ) or they will file suit in small claims court. I called her back a few hours later and she became irritated that I told her I could not pay. She threatened to revoke my drivers license ( this is collection for unpaid tow yard fees ) I told her my license was suspended for a XXXX and she laughed and said " that 's too bad '' and then began to harass me about my living situation. Asked if I lived with my mom, insinuating I do not pay rent and that I could pay the balance. Also said " Well you have a job do n't you? '' These allegations should not be coming from a debt collector. I felt harassed. She would not let me talk and continued to talk over me saying they are going to pursue legal action since I 'm lying about not being able to pay. She then hung up. I called back to talk to her supervisor, and I was unable to get a word in and she hung up again. I called the number she provided in her voicemail the day before to complain about her tactics. I filed a complaint with XXXX. I do n't know if that even would help. I also informed them to remove my work number from their file as it was a XXXX XXXX XXXX. I have never received any written documentation from Nationwide DMS directly. Only the creditor itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting twice on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Caine & Weiner Company Inc falsely claims that I owe {$390.00} to XXXX XXXX XXXX XXXX on XXXX XXXX. I recently opened up my first credit card with XXXX XXXX Bank on XXXX XXXX so this debt is unquestionably invalid. This debt was owned by my father with the same name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Hi I refinanced in XX/XX/XXXX, BSI Mortage company is impossible to reach, when I do I get a different person and have to explain everything that happened since XX/XX/XXXX again and again. I contacted the company that did my refinancing to get help and they were able to get someone to call but that was XX/XX/XXXX and have n't heard from them since, numerous calls, phone messages left at ex XXXX and company mainline, emails all go u answered. 

Since XX/XX/XXXX when i changed home owners ins. My payment has n't been correct, numerous calls to old and new home owners to ensure that I was insured and I am, but now I 'm over paying my payment, paid my shortage in XX/XX/XXXX and it went higher. Now that I did all the leg work to fix my homeowners .I have a Check for BSI for return because I had to reach my old homeowners that they paid due to incompetence. Now I 'm getting letters stating that I need to update my homeowners from BSI. 
I just do n't know where to turn now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Other

Complaint: On XXXX XXXX, 2016, I filled a dispute with Discover for XXXX XXXX, that I booked on XXXX XXXX, 2016. I was not allowed to get on the flight. I called allegiant customer service, after 45+ minuets of wait. I ended up calling Discover and explained them about the whole situation about not letting me board the flight. The customer service Rep. said he will go ahead and file a dispute once the transaction gets posted on the account. They filled the dispute. On XXXX XXXX, 2016, I was given my money back of {$220.00} along with the interest of {$0.00}. This transaction was final not temporary. On XXXX XXXX, 2016, I saw that Discover reposted that transaction for the amount of {$220.00}. Upon speaking with XXXX from customer resolution department, she said that XXXX said all sales are final. First of all, I did not miss my flight. If I was n't allowed to board the flight, how is it my fault? I had to get a bus from the XXXX airport to get a new flight to California from XXXX airport. On XXXX XXXX, I spoke with Allegiant customer service rep. I was told it is been over XXXX months and they wo n't be able to help me with anything. Discover did not represent me properly and took my money back without proper investigation. Discover can get a recording of the airport of XXXX XXXX, 2016. I was n't late. I got there on time. Due to Discover 's misrepresentation and lack of service, I am losing my {$220.00} for a service that I never used or was not allowed to used. I had to pay {$50.00} for the bus from XXXX to XXXX and then {$250.00} for the new flight. All in all, no one at customer resolution department of Discover is willing to help. They are reading the copy/paste policy of XXXX that says all sales are final. Discover did not even look at my particular situation. At last discover failed to perform their duty and represent me properly.

Company response to consumer: Closed with explanation