milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (VA).
Issue: Credit decision / Underwriting

Complaint: my sister 's house was foreclosed over {$3800.00} taxes she did n't pay in XX/XX/XXXX the mortgage company she was doing business with reverse Mortgage solution put a clause in saying she was responsible for pay taxes she paid XX/XX/XXXX up to XX/XX/XXXX and then reverse mortgage paid XX/XX/XXXX and XX/XX/XXXX XXXX or reverse mortgage solution office paid they gave one month notice the house was been auction a buyer came in put down {$20000.00} deposit we spoke to the buyer he agreed not to buy the house he just wanted his {$20000.00} deposit back reverse mortgage Solutions refused he was forced to settle or he will lose his {$20000.00} and my sisters court XXXX XXXX the judge will tell her to move out after 30 years she lived here she is retired XXXX years old she got her settlement papers so it 's hard to do any contact with the mortgage company XXXX XXXX way and they refused to give her any information is very difficult to work with we had we had a lawyer working on it too and he could n't get any information from the mortgage company order XXXX XXXX himself a rip-off

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with DISCOVER BANK (CA).
Issue: Account opening, closing, or management

Complaint: Discover bank is not honoring it 's promotional bonus of {$300.00} for a new checking account. I have met all the requirements as outlined in the terms and conditions of the offer below. I have contacted Discover regarding the bonus on multiple occasions including both telephone and email. Their initial response confirmed my eligibility of the offer. Their subsequent responses denied the bonus to my account. My efforts to obtain this bonus through Discover directly have been exhausted. The offer terms are included below, which have ALL been met : XXXX Offer Code : XXXX Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Mortgage (Other mortgage) with ON Q FINANCIAL (TX).
Issue: Application, originator, mortgage broker

Complaint: I was attempting to work with OnQFinancial Mortgage - XXXX  #  XXXX  dealing with a Loan Originator by the name of  XXXX   XXXX   , on top o f no return phone calls which I am considering bad customer service but the complaint is the unfair trade practice and bait and switch that happened to me while working with  XXXX   XXXX . He pulled my credit and discovered that I needed to pay down some credit in order to reach a certain score for approval and he provided me the info about  XXXX   XXXX  through   XXXX   XXXX  . All during the conversation about the re-score, he never disclose to me that it is a fee that I would have to pay in order to get the new re-score, so within 8 days, I completed what he sent and call him back for the Re-score. At that time, after the proof of payments paid was sent as he advised, he proceeded to tell me about a charge to have the re-score, taken back and in shock, I asked about what type of fee, He stated, there 's a fee per trade-line update and I had  XXXX  items on  XXXX  credit report. When I questioned the ethics behind paying to re-score because the  XXXX  Credit Bureau do not handle transaction they are a reporting agencies, he advised me that it was " collateral '' to make sure that the consumer ends up closing the deal with him and do n't go with a different lender. When ask for this to be in writing, I was told, " No '' this is for him because to many people has left and closed with a different lender. He stated that the fee can run as low as {$50.00} per trade-line up-to {$100.00} dollars and I had  XXXX  items I had to address on  XXXX  different report, so totaling $  XXXX  {$1000.00} dollars for the   XXXX    XXXX   to go  to the Loan Originator-  XXXX   XXXX   XXXX   . I  spoke with my realtor that referred me to him and advised him of the situation and since then  XXXX   XXXX  has not returned any of my calls.

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 04/20/2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX    XXXX    XXXX  has been harassing my inlaws trying to get a hold of me multiple times per day. Someone came to their house with a brief case trying to look for me. They are establish as  XXXX    XXXX    XXXX , inc but they claim to be ligitation lawyers which is not true on their website since they are only a collection company. If yo u google it  there is a  XXXX   XXXX   XXXX   XXXX  lawyers in  XXXX  but not in New York where they claim to be and when I search the phone number it leads to the collection agency in New York. This company harasses and confuses consumers with their tactics about them being lawyers and the way they pretend they are the last step before a civil claim.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with Southwest Recovery Services, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX XXXX XXXX XXXX XXXX ( As shown on my credit report ) hired Southwest Recovery Services ( SOUTHWEST RECOVERY SERVI as shown on my credit report ) to report to all three of the credit agencies in regards to a claim. 

In XX/XX/XXXX a then girlfriend of mine hired the roofing company to perform a service. The service went south and SHE decided not to pay the remaining amount owed. In response the roofing company filed a suit in court ( In or around XX/XX/XXXX. When the suit was filed the above mentioned recovery service called her to take care of the balance. She did not want to pay nor had the money. They then threatened that the roofing company was going to take her home. In addition, they mentioned that I was associated with the account. She said I was not and then called me to let me know what they said. I then called the county courthouse to find out if my name was associated with the case. They said NO, my name was not listed or on any of the documentation filed. I then asked my at this time Ex girlfriend for the contract signed in XX/XX/XXXX for the service. It did not have my name or contact information listed. It is my opinion, in XX/XX/XXXX the company used my license plate information to find out the information. 

I have informed Southwest Recovery Services that this filing was false and fraudulent. They have called me atleast twice a day since receiving my file. They are extremely unhelpful, disrespectful and aggressive. I am concerned about my inaccurate credit score and the nightmare I have experienced.

I received CFPB information from XXXX when I disputed this claim. They are currently working on disputing the information based on what I provided to you all ( CFPB ). I honestly don't understand how Southwest Recovery or  the roofing company received my information and was able to put this false report on my credit without proving ANYTHING!!! 

To support my claim and to validate this concern, I have copies of the agreement for their services ( Shows that I am not associated ) and the court filings that show I am not associated. 

I implore this company to take actions against Southwest Recovery Services in XXXX Texas. I can't imagine how many people they have falsely done this to. Furthermore, XXXX   suggested that I report this to the BBB. I am also filing with them also. 

Thank you for your consideration and hope to hear back soon.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Personal installment loan debt with Springleaf was settled and final payment of settlement was made on XXXX/XXXX/16. Springleaf has deliberately failed to mark the debt as settled and the past due balance as {$0.00} on any of my credit bureau accounts. Instead, they have updated the balances as if the final payment ( last of 7 previous monthly payments ) was the only payment ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I disputed this item with XXXX on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave XXXX a call on XX/XX/XXXX asking for the results of my dispute for XXXX/WAL-MART. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that Walmart has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with Walmart. I called Walmart and spoke with XXXX, who told me that account was closed on their end and he doesn't know why XXXX can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XXXX, and it was closed XX/XX/XXXX. I don't understand why XXXX lied about emailing me updates. Also, why is XXXX saying the company is reporting the account, when the company said they are not.

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. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax announced a security breach of some of their databases resulting in millions of people having their information made public. On X/X/17, I went to the website they provided ( equifaxsecurity2017.com ) to determine if I was affected. Upon entering the last six digits of my social security number and my last name, I was informed that my information could be compromised. I clicked on a button to enroll in one year of free credit fraud monitoring with XXXX XXXX XXXX and was given a date to enroll ( X/XX/17 ). 

I found out later that by enrolling in their program, I would be eschewing my right to sue Equifax or be part of a class action lawsuit against them as part of this security breach. I was not provided an opportunity to consent to this explicitly. 

I am incredibly disappointed in Equifax for their lax security as well as their response to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I hired a company to get me a loan modification and they scammed me. I was told not to make payments and now I 'm $ XXXX behind. ( I filed complaint on them too ). I had to file bankruptcy to keep my house. It is very difficult money wise. I have XXXX to care for. I asked the loan company ( Ditech ) to put the arrearage to the back of the loan so I could save {$600.00} a month or so. They are giving me the run around. 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 05/18/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company is CCS companies calling my place of employment to collect a debt. I do not want them calling my place of employment at XXXX, XXXX XXXX Government. My name is XXXX XXXX and can reach me at XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Private student loan) with ACS Education Services (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have for the last XXXX months been working to secure a forbearance or deferment for my institutional loans and XXXX loan, due to no avail. I can not reach anyone at the XXXX servicer, ACS Education. When I do try to contact ACS, they defer me to one person at XXXX who seems to work once a month and never gets back to me. I have repeatedly explained that I am currently unemployed and can not make payment on my loans and it is important to me that they not go into default. I continue to be given the run-around by both XXXX and ACS as to this matter. I believe that what they want is for the loans to default, so they do n't have to deal with it anymore. I had an employment deferment for XXXX and simply asked them to renew this for this year. There seems to be no quick solution to this and I do n't understand why -- it 's such a simple matter. The loan servicer for my federal loans, emailed me the forms they needed and gave me the choice of emailing or mailing them back. Those loans have been securely in deferment. Also, XXXX has refused to put my loans into a temporary forbearance while they continue to insist that I work with the neanderthals at XXXX who never get back to me, or respond to me in writing. Again, I believe this is intentional so they can refer the loans to a collection agency, instead of working hard to help former students. This is predatory and unjust. Now I log onto the ACS website today and I do n't even see record of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XXXX ,2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix 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 non-monetary relief
Consumer complaint received 04/13/2017 about Credit reporting () with Ability Recovery Services, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is my 3rd attempt with filing against this company for blatantly placing an item on my report when they did not in fact send me a dunning letter prior to placing this erroneous, inaccurate item on my report. By law I was supposed to receive a letter from them and then I would have had 30 days to dispute the validity of the account. In their previous response they indicated that they sent me a letter. Why then did they not attach the letter to their response. They then went on to state that they mailed a letter on XX/XX/XXXX. As of today, I have not received any correspondence from them. I am escalating my complaint to the FTC as well as the Attorney General and BBB. This company has and continues to violate my consumer rights. I sent this company a letter in XX/XX/XXXX ( see attached ), certified with return receipt requesting the following ( all of which validates a debt in the state of Texas ) : Proof that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Prove the Statute of Limitations has not expired on this account ; To date, this company has not responded. How too then by them responding and contradicting themselves by saying they have sent me debt validation is this item reporting not in violation of my rights and not in violation of the Fair Debt Collections Practices Act ( FDCP ) of which they are regulated as a third party collection agency?

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7.XXXX ( XXXX ) This account was disputed and never verified pleae delete.

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 01-12-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My Father took out a reverse mortgage. He died in XXXX 2015. I am the executrix and have been working diligently to attempt to complete a deed in lieu of foreclosure process with Wells Fargo Reverse Mortgage company since XXXX. Wells Fargo is unresponsive to my messages and calls, loses my fax submittals and sends me letters threatening me. I am looking for assistance in dealing with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed bankruptcy in  XXXX   XXXX . I paid off all the debt the bankruptcy said i owed in  XXXX   XXXX .   I recently applied to rent a house and the property management company said there was a debt with   XXXX   insurance for {$110.00} from  XXXX . I contracted  XXXX  and they gave me the number of the collection agency that it had been turned over to. I called them and explained that I had filed for bankruptcy in  XXXX  and the   XXXX   debt was never mentioned and that I was n't responsible for it. They just kept asking me how I was going to pay for it and offering lower amounts if I paid over the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: CAPITAL ONE BANK FAILED TO REMOVE AALL HARD INQUIRIES FROM XXXX AS PROMISED.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IN).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: COLLECTOR AND WENT ON MY CREDIT IGNORED CEASE AND DESIST AND DO N'T CALL ORDERS, THEY FAILED TO VALIDATE SAID DEBT AND CALLED MY MOTHER. 
THE ORIGINAL CREDITOR GOT PAID LAST WEEK BY CAPTURING MY FEDRAL TAX REFUND AND TOOK XXXX AND {$460.00} FOR 2012

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (VA mortgage) with Ditech Financial LLC (IL).
Issue: Trouble during payment process

Complaint: I have had a VA mortgage since  XXXX  and it has changed hand s ( servicers ) 5  times in that period. The latest took place, I 'm told, in XX/XX/XXXX  from  Ditech  to  XXXX   XXXX . I finally found this out, late in  XX/XX/XXXX , following my inquiries of the new servicer  (   XXXX   XXXX  ). I continued making payments to Ditech uninterrupted, throughout this period. Unbeknownst to me Ditech forwarded my payments to  XXXX   XXXX  for  XXXX  &  XXXX  but ceased doing so thereafter. My loan had gone all the way to pre-foreclosure with  XXXX   XXXX . I provided proof of payments to  XXXX   XXXX  and they endeavored to get these funds from  Ditech  without success until  XXXX  of  XXXX . Throughout this period I have received twice daily dunning calls from  XXXX   XXXX . In  XXXX   XXXX   XXXX   XXXX  claimed they finished their research and told me it was now my problem to get Ditech to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me following a two month grace period and not processed by Ditech. This is utterly false. The " proof '' I provided was a combination of " Cancelled '' checks and verification that my electronic payments thru BillPayer were issued & received. Ditech has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed  XXXX  Federal Tax returns.  <P/> Attached is how I was informed that my mortgage was now being serviced by  XXXX   XXXX . This door hanger placed on the door knob of an out building at my property that I only " happened '' to find on  XX/XX/XXXX .

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