milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: The amount of money XXXX claims I owe is incorrect. The balance is more than it should be. The information needed for the modification was timely submitted, yet now XXXX is saying they do n't have everything. I started with a realtor just in case my modification was not accepted, and I also have an investor to buy the property because I did not want a foreclosure on my record since then I can not get an apartment or any rented home. I 'm asking that I get at least an additional 30 days for them to review my modification or time to complete the short sale process. I received a letter stating that it was in review and now they are stating that they need an additional 30 days to review the package, but they ca n't stop the sale until then. Please help me in getting some extended time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Consumer Loan (Vehicle loan) with Lincoln Financial Services (CA).
Issue: Problems when you are unable to pay

Complaint: My vehicle was financed with Lincoln Financial Services. My payment was 31 days late and they repossessed the the vehicle. I made several attempts to get the vehicle back and the VP stated she did not have time to talk with me and that I would have to wait for her schedule to open up to speak with me. I strongly urged her to address the issue with me on the phone and she hung up on me while stating she did n't have time. When I called back and asked for her supervisor her staff advised me she was the owner of the company and I was not able to speak with anyone else regarding the situation. So at this point, not only am I not able to get my car back, but her staff has also lied and stated she holds a title that is completely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: After having made a payment that exceeded by balance on my CapitalOne MasterCard, on XXXX/XXXX/XXXX, CapitalOne drafted me a check for my credit balance in the amount of {$120.00} which I received in the mail shortly thereafter. On XXXX/XXXX/XXXX I mobile deposited their check to my XXXX checking account using my smart phone. On XXXX/XXXX/XXXX I received a letter from XXXX indicating that the CapitalOne check I deposited was returned as it was drawn on a CLOSED ACCOUNT! XXXX 's letter further indicated they were debiting me a {$12.00} returned item fee. On XXXX/XXXX/XXXX I called CapitalOne customer service at XXXX and reached some guy in XXXX who barely spoke XXXX that was difficult to understand. After going round and round with this guy, he finally indicated that CapitalOne would send me a replacement check but only for {$120.00} credit balance amount but would not reimburse me for the {$12.00} returned item fee that I suffered for having deposited their bogus, worthless check that was drawn on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with ProCollect, Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Pro Collect Inc. in XXXX Tx representative threatened to reage 7plus years debit after it has already been completely removed from all 3 credit bureaus only one amount was on there from them which was {$550.00} now they are adding 4 more years are ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) all from the past. I received an invoice of {$400.00} which is not on my credit report but they are putting it back it's been over 10yrs for  this one. I spoke with the representative on XX/XX/XXXX around XXXX @ XXXX a female she only seen this one but we got disconnected and so I called back in a male answered XXXX at XXXX and told me he see the one 's in the past that need to be paid and if I don't they'll place them all back on my credit report. I advice him that they've been off for years now and he stated it's Texas they can be put back on for up to 10years.

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 04/25/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: I accidentally paid my mortgage twice i n one mon th ( due to their system not showing to have received my bank 's " bill pay '' check on time ). They processed both payments at the same time a couple of days after the second payment was made. I called to ask for a refund on the second payment, as it was made in error. They informed me that I would need to submit a written letter, along with a bank statement, faxed or mailed, and that a refund would be issu  ed in 20-30 business days. They would not even handle the request over email or over the phone, the bank statement and letter had to be faxed or mailed.
Upon asking them to apply the mistaken payment towards next months payment, they said that they were unable to do so, that I would need to call back after next month 's payment was due - they gave some excuse along the lines of having to hold the money in an 'un-allocated funds ' bin, and that I would need to call them in 3-4 weeks to re-allocate the money. I was told that even applying it to principal would not count t  owards the following month 's normal payment schedule.     In an era where money can be transferred electronically in a matter of seconds, I do n't feel that it 's fair to hold my m oney hostage for a minimum of 20 days, and require a written, mailed or faxed letter to initiate the refund request. The whole exper ience is unnecessarily complicated. I feel that all of these requirements and barriers are engineered to confuse and perhaps trick consumers into paying additional fees - late payments, online/phone payment fees and/or allow them to hold the funds for internal short-term investments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not know what to do, I placed a fraud alert on all three of my credit files but someone is still accessing my credit through Experian. I want these remarks removed I DID NOT APPLY FOR ANYTHING. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 04/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have recently been declined for a loan due to Caliber Home Loans reported their account with my name being delinquent in access of 90 days or more. I 'm filing this complaint on this creditor for the last 5 months I have been disputing this creditor for malpractice in that this company persistently is deceiving the credit reporting agencies and the investigations conducted are not in depth to look in the history of this companies reporting. I have a credit report dated XXXX/XXXX/15 which has Caliber home loans last reporting XX/XX/XXXX in excess of 90 days. I have not received any correspondence from this company or it 's affiliates. This loan has apparently been transferred from another mortgage company XXXX which I have not been officially notified nor have I been notified from the current account holder. My last complaint to you Report number XXXX, XXXX, XXXX these are all saying that Caliber home loans are reporting to XXXX, XXXX and XXXX are reporting up to date as of XXXX 2015. How can a company last report XX/XX/XXXX and then after my information is updated can be current XX/XX/XXXX? That 's a total of 9 months lapsed!!!! How are the credit reporting agencies saying this is acceptable and in accordance with Fair Credit Reporting Act605-15 U.S.C. 1681c.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with Conn's, Inc. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an account with  XXXX  's. I was fired from my job last  XXXX  and things has n't been easy. I started receiving unemployment. Earlier this year I started failing to make my payments on the due date butwould set up an automatic pre dated withdrawl when the unemployment cleared. I 've received numerous calls in  one d ay the most I 've counted  was 12 t he earliest time I was called was at  XXXX   XXXX   XXXX   I have my phone records. The calls are harassing on sat morning I received a call from a representative who was rude and used abusive language. Her name was  XXXX . After I explained  XXXX  her about the unemployment she said do n't you have a spouse borrow the money from him or somebody. How are you paying your bills? Do you have money now? How much? I do n't expect sympathy for life occurences and could easily let it go  XXXX  collections and on my credit report ; however, I tried to work with them n hopes that they would work with my payments being late vs no payment at all. I refuse to be disrespected and harassed. I received  15 ca lls yesterday. To constantly call someone phone every hour is insane. That will not make you get money any quicker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with College Assist (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loan has been transferred to various lenders. I have been trying to find out the history of where my loans ordinated, and who " touched '' it along the process. For over 5 years I have had collection companies call me wanting me to aggressively pay the debt or go into a rehabilitation program and could have 5 dollar monthly payments, yet they will tack on additional 3 grand for their fees. So I 'm in debit and can only pay 5 a month, yet they get to add on 3 grand more. Most recently I have been dealing with XXXX/College Assist. Here are my complaints and have audio phone calls to support my claims. 
Companies miss represented themselves to me throughout the process. 
College AssistXXXX would never allow me to talk directly to them. 
I asked multiple times for information of my loan about where was it, who had it or even give me a financial balance statement since its conception. 
Company sent me financial document via email to me that was not mine, which causes concern of credibility and I believe it violates Electronic Communication Act of 1986 ( ECP ) 18 U.S.C. 2510-22 This last Credit Recovery Company XXXX in XXXX states they are a Government Acency, but they are a Credit Collection Company. Not part of the USA Government. 
As a result of College Assist/XXXX practices, I have accrued over {$1800.00} in extra interest and {$2800.00} in recovery fees. 
One credit company XXXX XXXX did not respond to my letter stating that I disputed the claim and XXXX failed to respond and " sat '' on my loan for over 12 months. 
There are many other deceptive practices that have happened. 
I do have recorded phone calls with these various credit collection companies to document their false claims and deceptive practices. 
I am in the process of hiring a transcriber for these calls. For presentation in my case. 
I also have other written communications to Credit Companies and they failed to respond or act on my inquiries Federal Student Aid website says College Assist owns my loan. They are then acting With XXXX ... but XXXX has turned over the loan collection to XXXX. See above complaint. XXXX has totally violated my rights. 

Lastly..I looked at my credit report and shows XXXX Student Loan has been reporting to the credit since XX/XX/XXXX as negative. So who is this company now??? 

Now do you see why I have n't been able to get any reliable information and support to rectify my student loan delema? 

Who really owns my loan???? 
XXXX College Assist XXXX Since XX/XX/XXXX my loan went from XXXX to now XXXX!!!!!! 

PLEASE HELP ... ..PLEASE HELP ... .WHAT AM I TO DO??? 
College AssistXXXX has started the Garnishment process ... ..

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 12/18/2015 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DESIGNED RECEIVABLE XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to the agency and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (NE).
Issue: Incorrect information on your report

Complaint: I purchased a property using US Bank as my lender many years ago. We fail on hard times fraught with medical issues and were unable to keep our property. They foreclosed on my property XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX, XXXX and the property was sold on XXXX XXXX, XXXX for more than the amount owed on the property. US Bank paid off the first mortgage and forgot to pay off the second mortgage # XXXX also through US Bank. US Bank harassed me from the date the property was sold and still are. They have even gone as far as to contact my Insurance Company demanding I have property insurance on a property they themselves sold. They would call me almost every single day and I have talked to many of representatives explaining the same thing that I do n't owe US Bank any money and why. Finally, I received a letter from US Bank XXXX XXXX, XXXX Stating that the second loan would be removed from the system at the end of the year. The XXXX XXXX was XXXX XXXX from the XXXX XXXX Department. I followed up with US Bank and was told due to an Error on their part is why I had to wait until the end of the year. In the meanwhile, US Bank has been reporting delinquent payments to the 3 major Credit Bureaus. When I contact US Bank they tell me that I owe this money they can only go on whats filed and keep requesting I set up a payment arrangement to settle the account. 

Not only do I want my credit fixed and the loan to be removed but I am seriously concerned about any other US Bank Customers. There is obviously a huge issue in their policies and procedures and a huge loss of communication. Basically, they are sloppy. How does a bank try to get insurance on a home they themselves sold? Forget to pay their own loan? Report derogatory credit on a settled account. I feel it is imperative that these policies and procedures are looked at through a microscope. 

I also request an apology letter.

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 05/13/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX   XXXX   XXXX   XXXX   sold my account to LVNV FUNDING LLC who in return sold the account to Resurgent Capital I paid the debt in full ( receipt attached ) I requested with all companies to remove this reporting from my credit report and this has not been done   XXXX   XXXX   is still reporting it as transferred debt not as a debt paid in full i want this removed from all credit reporting agencies as this is paid in full! Balance as paid in  f  ul l  XXXX - XXXX -2016 I ha ve submitted request for removal and still no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (Medical debt) with Receivable Recovery Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: In XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX of North Georgia XXXX, accepted care of my son with payment being split 50-50 % by my ex-wife and me. My half was paid-in-full, but my ex-wife refused to finish her half of the payment. She sited that the XXXX initially over-exaggerated the supplemental care for my son to charge for services that were not rendered. Subsequently, she stopped payment, the doc released my son from care, and placed balance on my credit report as she was out-of-state and unreachable for collection of her debt. During my XX/XX/XXXX-XX/XX/XXXX bankruptcy, I placed the debt for the XXXX 's bill in with the rest of my creditors. It has now come to my attention that the XXXX has re-submitted the debt under his name of XXXX XXXX XXXX to circumvent the system and collect on a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company began to raise the monthly payment after I was approved for exmption that should lower the monthly payment and taxes on home, but they told me that they paid more than XXXX for the city and the taxes was only XXXX, I called the city and I was informed that there was a refound sent to the mortgage company and they also sent me a refound. The mortage kept saying that there is a shortrage in the account and I told them there should n't because they got refound from the city. They insisted and kept adding more things to the monthly payment. They also tell me that I have two payments due in my account but I have a proof for paying every month. I need help to stop this company from adding this additional payments and charge me for something that is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Bank account or service (Checking account) with NETSPEND CORPORATION (DC).
Issue: Using a debit or ATM card

Complaint: I filed a dispute on my debit card for not receiving items that I purchased with my debit card back on XXXX XXXX, 2015 with my bank and they assured me that they would have my money credited back to my account by XXXX XXXX, 2015 and they have yet applied the amount back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with MNE Services, Inc (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have voice mails and threats to deliver documents to me to take me to court. Left on my house phone and cell phone. Called the companies they say they are collecting from and that these companies tell me they have never heard from them. 

The XXXX numbers they are calling are XXXX ( registered with XXXX XXXX, XXXX - MO XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Weltman, Weinberg & Reis Co., L.P.A. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX, 2016, I recieved the letter from Weltman , Weinberg & Reis Co. , LPA and Current Creditor : XXXX XXXX. On XXXX XXXX, 2016, I contacted to them to find out whats going on and asked what is XXXX XXXX is? They explained what this company is, which I never had a member with XXXX XXXX or even I never sign with agreement contract with my signature to XXXX XXXX. Which I believe it 's FRAUD! Please help to FIX!

Company response to consumer: Closed with explanation