milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX my husband and I moved to another country to do volunteer work. Before leaving we paid off XXXX for our cell phone bill, had our devices unlocked for use in the other country, and closed our account. 

During our time away we had no problems and since returning to the States in  XXXX we chose to use a different cellular phone provider which cost less money. We had never received a notice or phone call claiming any debt owed with XXXX or anyone claiming to represent XXXX ( as a debt collector ) related to a debt. We also have had no adverse action on our credit report from XXXX or any other agency claiming a debt owed to XXXX. 

In XXXX XXXX we suddenly had a claim of debt from a company called EOS/CCA who represent XXXX in debt collection. They did not contact us via mail or phone to inform us of this supposed debt, but instead just started reporting and thus adversely affecting my husband 's credit scores. 

I contacted EOS/CCA directly about this fraudulent reporting on my husband 's credit report. They tried to fool me into believing we had the burden of providing proof the debt did not belong to us. Knowing my rights I flatly denied the made up charge from XXXX and demanded proof from them. I have also lodged a complaint with the BBB against EOS CCA and XXXX. I further lodged a complaint with the FCC against XXXX who has continued to remain silent on the matter. 

EOS/CCA claims to have documentation ( not provided to us ) that we owe XXXX money for a period between XXXX XXXX and XXXX XXXX ; though as previously stated we closed our account in XXXX. Furthermore there is no action taken from XXXX or any other creditor on their behalf related to those dates or any earlier dates on our credit reports. 

So far, as I 've said, XXXX has remained silent. But on the EOS/CCA website they prominently display an award they received from XXXX for their " excellent recoveries of secondary tier placements and for ease of doing business '' due to their " positive return in all four markets ( West, Midwest, Northeast, and South ) for percentage of placements to percentage of collections. '' I have contacted a specific lawyer about the matter who has made it their aim to bring EOS/CCA to justice and have in fact successfully brought many cases against this firm to a positive outcome. However, to me, it would seem this is something which should be brought to public awareness because it appears either XXXX and/or EOS/CCA is playing a numbers game ( percentage of placements to percentage of collections ) at the expense of  innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: I spoke to a representative and she told me although I was 2 payments past due & committing to paying 1 payment per month on my account until I was able to catch up I would still be reviewed for repossession. I also keeping getting voicemail messages from the representative stating although I have arrangements I am being reviewed for repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Called Mortgage company several times to have my PMI removed. As of yet nobody has been able to help me but to tell me that its not to be removed till i only have % 20 of loan left to pay off there showing XXXX. I took my mortgage out in XXXX my house value was XXXX and i balance on my loan is XXXX according to my math i had reached my 78 % at which point legally should have come off.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Other transaction issues

Complaint: I made a transfer to my XXXX account through Money Gram online through the website moneygram.com on XXXX of XXXX. But the money was never received. When I called the moneygram customer care, they said that the account number was incorrect ( Although I do n't believe that ), and the transaction will be cancelled and the full amount will get credited to my account. But I never got the refund. 

When I tried calling them again, they said the receiving bank did n't return the amount and I was asked to contact the Recipient XXXX bank myself, to speed up the process. I contacted the Recipient XXXX bank ( XXXX Bank ), they said that if the account number is incorrect, the money will be returned to the sender immediately. But I was not sure why moneygram is playing with my money. 

Also the moneygram customer care is worst, the customer care officer will transfer the call to second level support which takes at least 20 mins to connect to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am being billed for a Stafford Loan taken out by someone with my name in XXXX of 1987. The loan servicing agency ( Fedloan Servicing ) told me that the loan was taken out for a student at XXXX XXXX School ( I am not sure of the spelling ). This could not be my loan as I was XXXX at that time and have never attended this institution. I have contacted the agency and they are unwilling to work with me, suggesting that I obtain a police report for something that happened to someone else thirty years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (I do not know) with First Advantage LNS Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I used to live in XXXX of XXXX XXXX apartment at XXXX, NJ with my friend since XXXX XXXX to XXXX XXXX and joint the XXXX, but before I left I went to talk to the manager to remove my name and everything from that apartment. She did everything and I also signed all the paper, so my friend only live in that apartment. Then now as XXXX XXXX XXXX I have collection debt as {$2200.00} from nowhere. How do I left the apartment without any debt and now after 2 years I 'm having one. I always pay my rent ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX is reporting inaccurate information on my credit file. I submitted a dispute to Experian and XXXX with regards to this matter and they are still reporting inaccurate information to my credit bureaus. I do not have any obligation to pay this company. I have requested proof of this debt from this company XXXX. As of this date. I still have not received any proof that this account belong to me. I have disputed this matter over and over with Experian and XXXX and they have not deleted this inaccurate reporting from my credit file. I am asking you for assistance in getting this matter resolved.

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 06/20/2015 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i co signed for a friend on a lease about 4 years ago she had to sign XXXX leases since then that i did not co sign. all of a sudden i get a call that i owe money for what her judgement was because she broke the lease. they sent me a letter stating that i had 30 days to dispute and the would send supporting documents i sent them a letter and faxed them my dispute. they then began calling me XXXX a day for a period of time. they said that if i did n't pay they would put it on my credit report i asked them a number of time if they were going to send me the documentation they told me they had not received it i got a hold of the person who holds the lease and she called them and tried to set up payments but they refused to accept them now i have this on my credit report and i do n't think it was put on there properly are n't they supposed to give me documentation that the dept is mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (NY).
Issue: Trouble during payment process

Complaint: My home mortgage is scheduled to come out of my checking account on the XXXX of the month and has been since my mortgage started in 2009. It is sent by mail from NY to MD on the XXXX. Allof a sudden it is not getting there before the XXXX, which is their late date and I was charged on 5 occasions at {$110.00} each. Why all of a sudden they are getting there late. One was even posted on the XXXX of the month. We spoke to XXXX, our bank, and they said it should not take 10-12 days to get to Maryland from New York. I did speak to M & T Bank and they did reverse 2 late charges but I feel they should reverse them all. 

They wanted me to let them have access to my XXXX account to pay my mortgage but I do n't want that. I am going to change the date that it comes out of my account or I may send it by mail myself.

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 05/26/2015 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Application processing delay

Complaint: I recently XXXX college with a degree in XXXX to fulfill my XXXX credit hour requirement for the XXXX exam. Therefore I was in the process of applying for my XXXX credit card with Chase Bank 's Visa Platinum Credit Card. I had no previous prior credit history therefore Chase Bank denied me straight off the back. However I have assets of $ XXXX, income of at least $ XXXX, and a line of credit with the brokerage for $ XXXX. This would be more well enough for the line of credit I was seeking at least you would think. My father and I therefore called customer service at Chase Bank asking them to reconsider. We XXXX talked to XXXX asking her to reconsider the decline application for a line of credit. She insisted that since there was no line of credit history that they could not issue a credit card. We asked to talk to her supervisor, therefore we then talked to XXXX. XXXX gave the same explanation of not having enough credit history. XXXX gave the phone to XXXX her manager to talk about the issue. XXXX took over for XXXX. XXXX gave the same run down that XXXX gave us except we recorded the conversation that gave us the alternative to get credit. He recommended me to go to an inferior that charges more money to get credit to get credit with Chase Bank. XXXX said that it was Chase Bank 's philosophy to deny the credit card if there is no prior credit history. There is no professional judgement in further research of the individual to see if they have other means of income, its just the click of a button than says Yes or No. This philosophy happens to be trade secret, but any person with a brain would think you would want to issue a credit card to a person who can make the payments and has more than enough to cover the line of credit with liquid assets. We offered to give the statements showing that I had the assets to prove that I was a worthy candidate for the credit card, but the would not even take them or make amends.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Home equity loan or line of credit) with Servis One, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In 2003 I purchased the real property known as XXXX XXXX XXXX, XXXX, Maryland XXXX in XXXX County. Thereafter, I entered into a mortgage with XXXX XXXX XXXX XXXX XXXX. The Note was for {$480000.00} and refinanced XXXX outstanding mortgages. I have made the mortgage payments. Last year my loan was transferred to mortgage servicer BSI Financial. I have made attempts to determine my Rate, Payment, and Balance as I feel the loan has not been serviced correctly. When I call BSI I have been told to speak with different persons there who give me different answers. On XXXX XXXX, after being away for a couple days, I came home to my house having been ransacked, and furthermore, my house having been winterized and put under lock and key by my mortgage company 's proxy. I have had no foreclosure action instituted against me, and I have made every effort to comply with the terms of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Billing disputes

Complaint: I had a American Express account and went through the financial downturn in XXXX. 
I made several payments and could n't make any more. They filed a judgement against me and tried to collect. The sheriff came out and I did n't have nothing to collect. One year later I received another credit collection company " XXXX XXXX XXXX XXXX '' after the same money. Too me this is double jeopardy. The amount is {$4800.00} in which the original balance was {$10000.00}. Civil summons File number XXXX. American Express vs XXXX XXXX XXXX ; Lawyer was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX ( XXXX ) XXXX. In addition filed a Motion to Claim Exempt Property.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other

Complaint: I have paid my account balance to XXXX with Bank of America, attempting to get a mortgage for a new home by improving my credit score. They are not updating my credit report to reflect this paid in full balance. 
Please help!

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 09/17/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Taking out the loan or lease

Complaint: I applied to refinance my 2010 Chrysler Town and Country vehicle that is being financed by Wells Fargo Dealer Services. I applied for refinance and was approved with the same finance company Wells Fargo Dealer Services. The refinance loan is in process. I notified to let them know that the loan was in refinance process because it is with the same finance company. The payment came due but there is no reason to pay if the refinance will take care of the old loan from the same lender. I have never been late prior to applying for refinance and now they are harassing me to pay when it is going to get paid off in a few days. I do not want them to report 30 day late to credit bureaus when it is the same lender and considering I was never late on any payments prior to waiting for the refinance to complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Carrington MS took over my loan from XXXX bank. I had some financial issues with business and got behind in my mortgage. When I tried to make house payment they refused to take it, said I had to have XXXX payments. Next week I had XXXX payments and they refused them and said I had to have XXXX payments. This went on and on until I got help from XXXX, got caught up and this whole time I was trying to get a modification using HARP program. While this is going on my health was getting worse from the stresses they caused. I have XXXX and stress is very bad for my illness. After trying to get XXXX modification done with them, they turned me down XXXX. Started a XXXX with a agency here in Michigan, by now my health is getting real bad, I had to file for XXXX. 

I was forced to quit working because I was unable to keep up with the demands of XXXX that I owned. Sold it and paid off a couple bills. Found a local job and was fired because I was sick. Then next week social security approved me for XXXX. I have had XXXX for thirty years and always had been able to work as long as I got rest and kept my stress level down. 

When Carrington MS would n't give me a HARP modification so I could keep my house so I would n't lose all of my investment was devastating to me. Today was suppose to be a sheriff sale and they pulled it from the docket. So they are still causing XXXX situation to me. I offered them XXXX in XXXX 2015 and today it was being offered for XXXX. When my attorney made the offer they never even responded to him. That 's when I had to file bankruptcy. 

When I was trying to get the modification done they told me to call USDA rural development, Carrington claimed it was USDA was turning it down, USDA said they only guarantee the loan through XXXX bank and for me to call them. I called XXXX bank. They said they did n't have anything to do with the loan, I had to call Carrington. Called Carrington again and was told they did n't know anything and did n't even know who I should talk to but would get back to me when they figured it out. Never did call me back. I am still on the title of the property. No one seems to know who owns my house now. My real estate agent ca n't get any answers either. The fair market value is under {$30000.00}, I bought it just before the bubble in real estate collapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Student Assistance (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XX/XX/XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX  is now American Student Assistant and they are falsely reporting the amount and dates. It states I opened the account in XX/XX/XXXX. I never applied or signed a promissory note for any loan in XX/XX/XXXX. I tried calling the number on the report but it's out of order.

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Trans union regarding this account notifying them that this account was not mine I never attended this school. I asked Trans union to verify this but they verified it was 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 07/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient purposefully refused to disclose the procedure for the removal of a co-signer on my Private Student Loans. That deception has negatively impacted both my credit and my co-signers credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports

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 12/15/2016 about Debt collection (I do not know) with Midwest Recovery Systems (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Midwest Recovery LLC has repeatedly called me and threatened legal action for an unknown debt that appears to date back 15 yrs ago. They leave multiple voicemails at my home daily, and they tell me that someone is coming to my job to serve me with legal papers. They have also called my job leaving messages for me with our accounting department. I called them back from work and asked for their address to send a cease and desist letter, but they would not give it to me, and the man yelled at me saying that he hopes I 'm embarrassed when I am served with legal papers at my work " tomorrow '' and then hung up on me. This company also keeps reporting this 15 yr old debt on my credit reports causing me to have to dispute and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX ERC a letter on XXXX/XXXX/XXXX to send me proof that the account was mines back in XXXX. I waited the customary 31 days they marked it disputed on my credit and I sent them another letter XXXX/XXXX/XXXX asking ERC to send my the contract with my signature on it verifying that it was XXXX & they replied by sending me a letter back without verifying my signature along with wrong & misspelled last name. They still refuse to remove that debt off of my Credit Report after I informed them that this is not mines.

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