milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: As the result of the complaint I filed against XXXX and they sold my Loan to Select Portfolio Servicing , Inc with my monthly mortgage still going up. They want me to pay XXXX a month for a house valued at XXXX maximum. I am petrified to try again to get a loan modified or try keep my home. I contacted a counsel from the Homeowner Hotline she and I spoke with representation for Select Portfolio Servicing , Inc. asking for a short sale. They agreed finally and gave me XXXX XXXX a Real Estate Agent they use from out of Georgia. He came out to my house, took pictures and place them in XXXX along with a sign in my yard and a key in the lock box on my door. Select Portfolio Servicing is telling me that they did agree to the short sale or any other arrangement relating to my house. I have taken all of their calls early in the morning and in the evening hours repeating my intentions and sending any required documentation to them. My desired resolution is to put all of this behind me and the opportunity for a short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Credit card) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have a credit card debt with XXXX for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX XXXX Account Resolution associates with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by XXXX. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Credit card debt) with Cornerstone Holdings, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Account was opened on  XX/XX/XXXX  in  XXXX , alaska the collections address and name :   XXXX   XXXX   XXXX   address :   XXXX   XXXX   XXXX    XXXX  AK   XXXX   We moved out on  XX/XX/XXXX  and the account opened on XX/XX/XXXX and the balance currently is {$260.00} the person paid 42 % of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I was a CITI BANK customer several years ago. I have closed my checking, saving and debit accts. Recently, I have been receiving notices that these accts are below minimum balance I had set for them. I have complained several times but I still get theses e-mail notifications several times a week. I maintain my mortgage with Citi, but they say they have NO control over them. I have complained to Citi Bank it self and they say they ca n't locate thr origin of these messages. 

Besides being a pest I am worried that at some point they will try to get maintenance charges for theses 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 non-monetary relief
Consumer complaint received 12/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Settlement process and costs

Complaint: Wells Fargo XXXX XXXX x XXXX. - {$130000.00}. XXXX {$69000.00} XXXX XXXX x XXXX. - {$99000.00}. {$23000.00} XXXX XXXX x XXXX - {$65000.00}. {$110000.00} {$200000.00} PAID + {$53000.00}????? 
{$260000.00}! 

WHAT WAS THIS?. WHEN DID I SIGN THIS? Was this the 'second first XXXX loan released in both XXXX and XXXX??? 

To the CFPB. this was on YOUR watch. 
HOW did Wells Fargo STEAL my property? 
Wells Fargo took my duplex for money I DID NOT GET! did not save.and $ XXXX.i paid. 
And Probably the money I just paid on a loan modification on my HOUSE! 

Why is this OKAY?

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 10/28/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TX).
Issue: Managing, opening, or closing account

Complaint: i have lost my card and have been trying for days to contact Rush card to cancel the card and have another one sent out. Everytime I call I get hung up on and no response. SOmeone may have found my card and is possibly using it. I can not afford to be late paying my rent and lose the XXXX balance still left on my card. This is crazy. I have sent emails and no one has contacted me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a Home Deport Credit Card ( acct. # XXXX ) with no other authorized user on it. An unauthorized user was allowed to charge on it and I have been continuously billed {$1000.00} that I did not charge. I have disputed this with Home Depot, XXXX, then a law firm XXXX and now another firmXXXX. Each time they remove the debt from my credit report but it reappears with a new collection agency. How can I get this permanently removed from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Other transaction problem

Complaint: On XXXX XXXX, I deposited money for my father in XXXX. The online portal that MoneyGram has Only allows you to put the receiver name and receiver last name. Due to my father having a middle name, he was unable to get the money transfer. This is MoneyGrams fault because I was only asked for first and last name. I tried to log in and coincidentally my account was not identifiable and had an error. After I called Moneygram, they said they can cancel transaction but I would n't get my money until 10 days. That sounds like fraud to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: As stated in full detail with my   XXXX   Complaint (  XXXX  ), I am requesting that Equifax do the same, remove all Negative Information that was submitted by  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX    XXXX  in  XXXX   XXXX .  XXXX  who claim they are collecting for  XXXX   XXXX   XXXX  ( closed ) located in  XXXX  Illinois and   XXXX     XXXX     XXXX  that 's closed also. The phone numbers that 's listed on my Credit Report :  XXXX   ( 24 hr. Tape Recorder  only  )  and  XXXX  is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Stellar recovery had reported into my credit saying that i owe XXXX {$240.00}. However, i had pay this bill with XXXX and even XXXX had confirmed that this debt had been paid off and should not been reported in to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX, we received notice about a cancellation fee from XXXX through a debt collection agency. We did not know about the bill. We paid the bill both to the debt collector and XXXX and received a credit from XXXX. Then in XXXX we received notice from a different collection agency about the same debt. We asked for written information from diversified which we never received and also contacted XXXX who said that we didnt owe anything. Now it is on our credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a resident at XXXX XXXX XXXX XXXX apartment complex in XXXX, MO. When I moved out XX/XX/XXXX I paid all applicable fees ( rent and included utilities ) and had a {$0.00} balance. XX/XX/XXXX I received a collections notice from Fair Collections and Out stating I had a debt of {$140.00} due to XXXX XXXX. I immediately called and advised this was not my debt as my balance was paid when I vacated the property to the property manager XXXX XXXX. I also made a call to XXXX XXXX XXXX XXXX and spoke with XXXX as XXXX XXXX was no longer with the company, who advised I have a {$0.00} balance and the debt was an error. Since this I have not received any collections calls but this debt is still reporting incorrectly on my credit report. I spoke with the debt collector on XX/XX/XXXX and asked to send proof that this debt belongs to me and was advised they don't do that. They only have to verify with XXXX XXXX and if they say I owe it then that is what they go by but no one can send me any proof that this debt is factual.

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 08/15/2017 about Mortgage (Other type of mortgage) with FIRST HOME MORTGAGE CORPORATION (MD).
Issue: Trouble during payment process

Complaint: I closed on a property on XX/XX/XXXX financed by an FHA 203K renovation loan ( {$170000.00} purchase + construction = {$230000.00} loan amount ). The intent was for the house to be my primary residence following construction. The General Contractor submitted a zoning permit application to the local township on XX/XX/XXXX. The zoning permit would then be submitted with a building permit application to the county. On XX/XX/XXXX, we received a denial based on the fact that the existing use of the property, though single-family residential, is a non-conforming use on a Commercial zoned lot in a Commercial District. This was shocking to me since it was sold to me as a single family home! Commercial zoning was not noted on the property listing, appraisal, tax records, title paperwork, etc. I notified the representatives from the title company, mortgage company and my real estate salesperson on XX/XX/XXXX via email and subsequently spoke with them on the phone. Due to the complexity of these issues, I retained an attorney on XX/XX/XXXX and he began communicating with the mortgage company on XX/XX/XXXX. I found out just a few days ago that the loan has been sold! The new company servicing the loan expects my first payment in two weeks on XX/XX/XXXX on the full amount of {$230000.00} even though no construction was done! During settlement I was told that the loan would be sold but that it would n't happen until after all renovation work was completed. The timing of the sale of this loan is highly suspect. Also, apparently the lender did not pass along accurate and complete information to the new servicer. I am now in a position where I own a property on which I can not do construction and in which I can not reside. I also can not use it as a commercial property, even if I was inclined to do so, because my loan is based on this being my primary residence. And I now need to make mortgage payments on a property I ca n't use while paying rent for my current residence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Closing/Cancelling account

Complaint: My BOA card ending in XXXX hastily without warning got closed. My credit card had a 0 % APR promo that I used and I 've been paying my minimum on-time for 5 months. Then all of a sudden BOA decided to close my account without warning no call or anything. 

This is unacceptable as a consumer. My letter from them stated only they have the right to close it. There was no exact reason in there. And no chances given. I am a Preferred Client of theres too and now looking for other options unless they reopen my account.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The credit reporting agency ( CRA ) w as contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,  2017. In the  letter I cited FCRA Sec tion 609 ( a ) ( 1  ) ( A ) requesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX ,  2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX  , 2017, requesting the method  of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), the  CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via cer tified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a third  dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) . The CRA has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I sent a writt en letter to the CRA explaining that the account numbers for one of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, press re lease titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Specialized Loan Servicing LLC, effective XXXX/XXXX/15. I did not receive the legally required notification from SLS ( only received notice from my prior mortgage company ). Further, after making first payment to SLS and confirming payment cashed, SLS offers NO way for the customer to verify that the payment has been applied as per the mortgage agreement. I need to see that my payment has been applied to my principal, interest, escrow, and see the remaining balance as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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: XXXX, XXXX and Transunion have just added three " 90 day late '' marks on my credit report for my closed and paid off XXXX credit card. I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is " XXXX ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a XX/XX/2017 report and another screenshot of a XX/XX/2017 report for comparison. I have highlighted the information that is incorrect.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information and allowed it to fall into the hands of hackers due to negligence. They have told me that my credit and identity ( and millions of others ) are at risk now. A resolution, and accountability for those at fault, is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a co-signor on a private student loan for my sister. I worked hard to repair and maintain my own credit history along with my own student loan debt. I recently reached a FICO score of XXXX. My sister, just this month, became 60 days late with the Navient loan I co-signed. JUST this month my FICO credit score dropped to XXXX! The ONLY negative factor on my credit report was Navient 's missed payment reports to Credit Bureaus. I called Navient and spoke with an agent XXXX XXXX ' telling him I could manage to make the payment but could Navient please provide me with a copy of the Positive report or form of communication that they would make to Credit Bureaus to relay the account as current. XXXX XXXX told me he " ca n't do that. Do you know how credit works? '' He said Navient did NOT have the ability to do that. Finally, I told him that I will seek more information and I was not going to make the payment at that time. In a threatening tone he reminded me that the phone call was recorded and 'they ' would know why I was n't making the payment. 
The very next morning I checked my credit score and it dropped another XXXX points! XXXX XXXX ' had vindictively reported my co-signed loan as 60 days late AGAIN on XX/XX/XXXX after speaking with him over the phone. How many times can Navient report the SAME negative information to damage my credit? Within the SAME month?

Company response to consumer: Closed with non-monetary relief