milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NJ).
Issue: Using a debit or ATM card

Complaint: M & T bank has the worse communication, and customer service I have ever experienced! I have the response they sent the CFPB, and it states false statements about what I said when I called to file my dispute. I never said the person behind me saw my pin and took money out! I stated that my coworker stole my debit card, and has seen my pin before because I use the same pin for all my cards! M & T denied my claim, on a determination they made themselves and it was false, because I never said that! I want them to replay me that recorded conversation I had with their XXXX representative, and you will see if clearly state my coworker stole my debit! I have copies of all the messages and paper work I have sent them! This is crazy already, and this bank just does n't care, and make false statements too.

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 12/15/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit line increase/decrease

Complaint: Chase lowered my credit limit. This was done even though I have XXXX accounts with them and have never been late or missed a payment. By lowering my credit limit my ratio of balance to limit will hurt my credit score through no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have requested several times that Campus Partners disclose the status of my account to XXXX ; however, they are not honoring my request. Campus Partners drops the ball on my request and causes significant delays when I fax them paperwork. In essence, my problem is that Campus Partners does not process my requests in a timely manner which causes me damages. Their customer services reps lied to me and gave me incorrect information when I asked them " what I needed to give them in order for XXXX XXXX of Transunion to inquire about my account ''. In addition they are telling me that I have to wait 1 week for them to confirm a time-sensitive fax. Due their incompetence, significant delays and unfair treatment I am unable to accomplish my goal of having XXXX call to get an update on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX of XXXX XXXX XXXX XXXX XXXX agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.

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 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SC 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 non-monetary relief
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Struggling to pay mortgage

Complaint: We originally listed our house as a short sale and sent all documents on  XXXX   XXXX ,  XXXX , to     XXXX   XXXX   who was the servicer for our loan. The short sale was approved by     XXXX   XXXX  , with the approval letter  XXXX / XXXX / XXXX , with a close of escrow date of  XXXX  Our Broker  was advised that the loan servicing was changing  XXXX / XXXX / XXXX , to  Select Portfolio Servicing.  Since th e Buyer was gett ing a loan, the Buyer could not close escrow in 4 days. Our Broker then immediately sent all documents to Select Portfolio Servicing on  XXXX / XXXX / XXXX , via fax supplied b y SPS ( Select Portfolio S ervicing ). The  Broker followe d up on  XXXX / XXXX / XXXX , to assure all short sale documents were received, however,  SPS stated they had given the Broker the wrong fax number and supplied a new fax for short sale. SPS also stated that they have used previous servicers short sale approval letters to expedite a written approval from SPS to the listing Bro  ker. Ag ain, our Broker sent the complete short sale package to  SPS , along with a copy of the   XXXX   XXXX   short sale approval letter. On  XXXX / XXXX / XXXX , our Broker was told by  SPS tha t a conditional approval was issued based on a  Broker Price Opinion v aluation that was ordered and should be completed shortly. on  XXXX / XXXX / XXXX , our Broker was told a written short sale approval letter would be issued no later than  XXXX / XXXX / XXXX . Our Broker has called SPS every 2 days since  XXXX / XXXX / XXXX , with no approval, and now SPS states it could be another 30 days based on " investor guidelines. '' A representative from  SPS  stated she did n't see a HUD closing statement this past Monday  XXXX  which was sent in with all documents prior ), and suggested the Broker forward another copy " just in case. '' Today,  XXXX / XXXX / XXXX , the  Broker foll owed up again and was told by the Relationship  Manager on the file that since a new document ( HUD )  was logged as received today, " investor guidelines '' gives SPS  another 30 days before they have to issue a written short sale approval letter to sell and transfer our property. The Broker is in fear of losing the Buyer now, and we as the Borrower/Sellers are l eft with further months of default/negative reporting to our credit record. Our  Broker has lo gged dates, names, and notes of every conversation with SPS from  XXXX   XXXX ,  XXXX , to present.  SPS rep resentatives not familiar with the file have continued to mis-read notes and request documents that were all sent previously numerous times. I highly suggest and request that the CFPB audit both procedures and business practices of SPS, at least with regard to short sale processing. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Taking out the loan or lease

Complaint: Back in and around XX/XX/XXXX, My spouse and I went to XXXX for new carpet. The installers came and while our sitter was there installed the wrong carpet. We notified XXXX and they said they would correct. The installers came back a few days later and removed the carpet. so now we had plywood floors with XXXX children. XXXX went buy and XXXX was unable to get the job done. They had issues with the installer and they would not complete unless XXXX paid them again. so they pointed fingers at each other. The carpet was purchased on a new XXXX 's credit card same as cash for 6 months. We cancelled the order after of months of frustration and went to XXXX XXXX for carpet which was installed in a week and just in time for the Holidays. XXXX was to refund the entire order and then cancel our card at our request. About a month later I received and Invoice from XXXX XXXX Now Midland Funding XXXX They said it was not paid. I called the local XXXX and the manager said he took to his corporate office and would be resolved. Fast forward to about XX/XX/XXXX, Never heard anything until I received a letter that I was being sued by XXXX for about XXXX. the order at XXXX was {$2100.00}. I went to the hearing and the magistrate told the creditor they had an issue with XXXX and Not XXXX XXXX and case was dismissed. Later that year, I had a XXXX was in XXXX Hospital with XXXX. I believe during that time, they filed for a judgment. I had no letters or notification until the judgement was filed. This was not fair practices and I was so upset. I contacted an attorney and he said they could not collect since everything we had was joint and it would cost me thousands to get removed. How fair is that when and we have been cheated so badly. So nothing happened again until now. The case number at XXXX county court house in PA is XX/XX/XXXX Money Judgement, going to sheriff asking to Levy my property. 
This needs to be corrected as I am a victim of unfair business practices. According to XXXX back then the balance was all credited.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problems when you are unable to pay

Complaint: I have been attempting to have late payments removed from credit reporting for about 6 months now with Bank of America. in XXXX and all of XXXX, i was facing financial hardships due to under-employment and fell behind on my mortgage payments. I was able to reach an agreement with this servicer to help me modify my mortgage and i have been back on track with my payments for about 18 months. 
I have asked through a third party that the late payments be removed from my credit reporting many times with no avail. 
I am reaching out today for help because these late payments are creating a new financial hardship on me in the sense of higher interest rates with school loans and credit cards as well as higher insurance premium with a clean record and a low crime area. The late payments that are attached to me are hurting me and my family and enriching lenders and insurance companies. Even though i am able to save my house and i have made great stride is my credit worthiness status, i find myself still catching up on my finances. 
thank you for any help you can provide me.

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 07-12-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was renting from XXXX XXXX XXXX owned by XXXX XXXX from XXXX to XXXX. At the time they were accepting Section 8 housing which I was currently eligible to receive. I had no problems from the first year of my lease. The second year when the problems came. Usually while on Housing they come and do an annual housing inspection to make sure the townhome is up to code to qualify for housing benefits. XXXX XXXX did n't pass inspection. So the state notified them when the next inspection would be and the time frame they had to fix the issue. Once again they ignored the request and failed inspection the second time. They received a notice that they did n't qualify to be on the housing program anymore unless I paid XXXX to have a 3rd inspection. I paid the XXXX to have it done because I did n't want to move out. When they did n't pass inspection the state does n't pay their portion of the rent. It also stated that I was not responsible for the states portion of the rent payment. XXXX XXXX received this notice. XXXX XXXX finally fixed the issue. XXXX XXXX attempted to collect the payment that Housing was responsible for from me. After showing them documentation and giving them my case worker number to talk to them they served me with an eviction notice. The landlord even showed up at my door on a non business hour stating, '' If I were you I would move out because the judge is going to kick you out anyway ''. I advised her I would stay until we settled in court. On our court date XXXX XXXX could not prove that I owed the money they were trying to collect from me. The judge advised me since I had 60 days left that I should go ahead and move out. I was fine with that. I asked the judge since I do n't owe any money this should n't appear on my credit background. She told me that they could not add it to my credit due to them not winning the court case. She gave me 7 days to move out. I was getting ready to sign a lease to my new apartment when they advised me that XXXX XXXX had placed on my credit report I owed XXXX. I had to prove to my apartment complex that I did n't owe this morning by showing them the paperwork from the court. I as investigated the matter XXXX XXXX had sold my debt to a company called ProCollect in XXXX Texas. They have been reporting to all 3 credit companies. I have faxed and emailed documents stating I do n't owe them money. They always say they did n't receive it. As I am repairing my credit I hired a credit counselor. He was able to get them removed from my credit but ProCollect keeps reporting as we keep fighting to keep having them repeatedly removed. ProCollect has went so far as to reporting to the IRS that I collected this money. So once again I had to submit my Judgement papers to the IRS to prove that I never owed this money. So now I have to walk around with all paperwork in hand explaining a debt that should have never been on my credit background.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On  X/XX/17   , I went to  XXXX   XXXX , unfortunately, during a service on my car, and spoke to  XXXX   XXXX , a manager in the sales department. I told him that I was not going to buy a car on that day, but he said that he would have to run an " inquiry '' into my credit, but to be rest-assured, it would not affect my credit. My  credit score  was  XXXX  before  XXXX   XXXX  lied to me and then went down after the inquiry to  XXXX . I never authorized  XXXX   XXXX , or  XXXX   XXXX  to " run my credit! ' I would like to have my credit inquiry taken off of my credit history from  XXXX   XXXX  forthwith.     Thank you.

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 07/14/2016 about Debt collection (I do not know) with Caliber Home Loans, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted CALIBER HOME LOANS, INC., and spoke to XXXX, SUPERVISOR, TELLER ID. NO. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX on Tuesday, XXXX XXXX, 2016. XXXX promised XXXX that SHE will contact XXXX on Wednesday, XXXX XXXX, 2016. SHE never called. Shane on HER. When XXXX did contact CALIBER HOME LOANS, INC., to follow-up with XXXX, XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX, and XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX gave XXXX the run around and the worst part of it all is XXXX not only refused to have a SUPERVISOR come on the line when XXXX requested for it, but she put XXXX on hold for over 40 minutes, never coming back on the line once to check in with XXXX within that 40 minutes, and then XXXX had the audacity to hang up the phone after keeping FTLC holding for a SUPERVISOR for over 40 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is trying to charge me for telephone service after I started with XXXX. I moved my service from XXXX to XXXX XX/XX/2016. XXXX falsely wants me to pay for several months that I did not have service with their company. They were notified of the change, twice. 
I received my XXXX XXXX effective XX/XX/2016. XXXX is trying to bill me for 2-3 months after that date. I Paid {$260.00} on XX/XX/2016. The last payment for service prior to XX/XX/2016 was made XX/XX/2016 for {$270.00}. I do not owe XXXX anything. They appear to be upset because I transferred my service. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: PART XXXX -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR XXXX ( b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). 
Specifically, I 'm requesting to know the identity of a true secured lender/creditor, and the existence of debt. Because of extensive criminal activity and fraud in this arena, I require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. CFR XXXX XXXX b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). I 've been asking for a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit. 
In fact, XXXX XXXX Bank, XXXX, has been publicly out of business since XXXX. Please see attached document for verification and confirmation from the Federal Deposit Insurance Corporation. According to the FDIC, XXXX XXXX Bank, XXXX did [ n ] ot exist on XXXX XXXX, XXXX. The attached assignments of mortgage make it appears XXXX XXXX Bank, XXXX was an active company on 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 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I offered to pay XXXX $ a month til it was paid. The debt is XXXX $ and only a month old They are demanding full payment by XX/XX/XXXX and the debt is only 45 days old by XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In the process of getting my student loans into repayment status, Navient continues to report that my accounts were late in XX/XX/2015 and XX/XX/2015. I was in an agreement for repayment program. These accounts were not late. I have disputed them with the credit bureau. They remain unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with XXXX on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX services, XXXX, banks transfers. 
I called in advance to XXXX and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!

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 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The XXXX credit agencies make it IMPOSSIBLE to get your free credit report. ALL their websites are confusing, and after you submit your forms they ALL give you an excuse about why they ca n't give you your report, and the excuse is ALWAYS wrong. 
PLEASE do something to make these XXXX companies COMPLY WITH THE LAW. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Discover card placed a hard Inquiry to XXXX without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything Discover has asked me to do as they have admitted they have no knowledge why I have an Inquiry.

Company response to consumer: Closed with explanation