milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My wife divorced me 2 years ago. In the court papers the house was given to me until the end of XXXX at which time I had to have refinanced the house or sold it. The house was approximately XXXX to XXXX XXXX upside down. No one wanted to refi it or buy it. So an individual I knew did a loan modification for me and submitted it to XXXX. XXXX said that the modification was approved in XXXX of XXXX and the paperwork was fedexed to me. I never got the paperwork. In februrary I was sent a letter from XXXX telling me that the mortgage was sold to SLS. SLS acknowledged that the mortgage had been sold to them. I thought that meant the modification had been approved. Unfortuantely I was told that the mortgage had been foreclosed on by SLS and sold to a third party called XXXX XXXX XXXX XXXX. I was not made aware of this until a man showed up at the door at the XXXX and told my roommate that my home was foreclosed on and put on the acution block and sold to his company and he had put the utilities in his name as was ready to move in. I immediately contacted XXXX and they told me that as far as their records show the loan modification was still active and on the books. I went to court on Monday in XXXX and the judge dismissed the eviction notice and told the lawyer that he did not have any official paperwork to do the eviction, At that point the judge referred the matter to XXXX court for a hearing on XXXX XXXX at XXXX. 
Specialized Loan Service contact information is as follows : XXXX Co. XXXX XXXX Arizona XXXX The property address that is in dispute is : XXXX Arizona XXXX I a good deal of this was done without my knowledge. I continue to wonder why XXXX after not hearing back from me about the paperwork did not send a follow up letter of something informing me that it was sent. I went over to the XXXX bank several times to find something out.

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 12-02-2015 about Debt collection (Payday loan) with Goldstein, Cruise and Smith LLC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This guy named XXXX XXXX his phone number is XXXX said he was calling on behalf of XXXX, but when we called them they knew nothing of me or them. they told me to contact the ftc. This man said he would have me served with a warrant and taken to jail if i did not pay him. I had never heard of this company or this guy, yet he said there was a court case against me and said if i did not pay him that he would take me to jail from work. We contacted our lawyer and he said a lot of clients had been getting calls like this and to report it as fraud. 
This person threatened my wife, my mom and my brother. 
These people somehow have my job information, my address and my family member names, and they will not send me any information whatsoever on who they are or who they represent. I ask for information and they yell at me and tell me that unless I pay them they will take me to jail. I said that I do not know of them and want proof they are not a scam, then they get louder and more threatening and hang up on me. 
This company that they say i owe money to never heard of me or them. they told me to report this. I hope that these hateful people are prosecuted. Very awful that they call you and make you feel like a criminal and yet they are the criminals.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 03/31/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Delinquent account

Complaint: After XXXX filed a civil suite for collection, an agreement and imidiate payment was made to thr lawer they used. Then a week later they continue to try to collect the debt.

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 07-09-2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Late fee

Complaint: Received an introductory no interest card from citi diamond preferred. First payment was due XXXX 2016. As of XXXX four payments were due on account. Four payments were made. Statements requested multiple times but seemed to " not get to me ''. Since I was not receiving statements I simply made payments before I knew they were due. Again, four payments within four payment months due. Apparently a payment was received too EARLY so was applied to my balance BUT NOT MY NEXT PAYMENT DUE. Of course since I was n't receiving statements I assumed it would be applied. Finally received a statement for bill due XXXX XXXX on XXXX XXXX. Had a late fee applied, even though I had paid 4 out of 4 payments due ... and more than the minimum due on each. Called customer service and was told the payments were improperly applied because it was made too ealry but a request to remove late fee would be made and removed within 3 days. When it was not I called back again and got another story. At which time I was given a XXXX dollar inconvenience credit and to, d to make an additional payment then call back to have fee removed. Made an additional payment as advised and called back a third time and was told fee could not be waived. Is this legal for them to misapply payments because they are made too ealry ... .especially when they are obviously holding statements in hopes of gaining something to make up for the interest free status in the account. Seems like a crooked underhanded way to get extra money when they see someone is paying in spite of them not sending statements.

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 07/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (PA).
Issue: Trouble during payment process

Complaint: The Heloc in question was established in XX/XX/XXXX with a 10yr maturity ( XX/XX/XXXX ) and interest only payments. The amount is {$82000.00} and there are no allowed advances. I had issues paying in XX/XX/XXXX when my wife lost her job but we were able catch up and get current. We have been current since and in 2nd half on XX/XX/XXXXXX/XX/XXXXalthough I made monthly payments every single month, unbeknownst to me the payments were short and they reported late payments to the credit agencies. The company rather than applied the payments to interest they decided to apply to principal. When I realized this in XX/XX/XXXX I quickly remediated the problem coming current with multiple payments in a span of 3 months. The loan was current as of XX/XX/XXXX when I requested a loan modification on XX/XX/XXXX. My understanding was that they were going to simply extend the loan given the maturity of XX/XX/XXXX. At this time we are in the process of relocating to florida for my job and my wife is without a job given the relocation. Since my application and after providing all the documentation the servicer requested byXX/XX/XXXX I have not receive any written ( fax or mail ) details with the decision on my loan modification. When I call to inquire about the decision I was informed that I will be paying {$2400.00} by XX/XX/XXXX and then {$850.00} the remaining 6 months. This is 10x my regular payment on 1st pmt and 3x there after. This not have the feel of a loan modification. In addition to make things worst I was informed that my credit report will be reflected negatively even if I make the outrageous payments they are requesting. At the moment all we are requesting if for an extension of the maturity date, to continue to make the Monty payments as we have been for the last 10yrs and to properly reflect payments to the credit agencies. In addition proper communication is expected. It 's been 2weeks since XX/XX/XXXX that I 've asked for details on the program and information on the investor. Both times the turnaround time for an email or fax is 3-5 days and it never gets done. I do n't know what the large payments are for or details behind the trial period. I need help speaking directly with the investor to come up with a reasonable course if action without affecting my credit reporting. At the end of the day I 've made all my payments to this loan and I 'm simply requesting an extension. 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 05/30/2015 about Debt collection (I do not know) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company calls me all the time about a XXXX XXXX, whom I do n't know and never heard of him trying to collect a debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (AP).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I saw it on my credit report so i called the collection agency. On the phone i gave them my name and the amount of the debt. The woman replied with a last XXXX which was not mine and an old address which i moved from about 7 years ago. she also said the account was from 4 years ago. This is all looking very strange to me so i ask her for any information about the company in which she could only give me an account number and XXXX extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a tax lien reporting on my equifax credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with equifax. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they keep refusing to remove this and telling me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting equifax! It 's hurting ME! Its literally keeping me from obtaining credit at certain places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with EQUIFAX, INC. (WY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had several issues over the past years that had caused me to become delinquent with my mortgage account, at one time, I used to travel for work and had to rely on my own funds to travel and my company was not very punctual with replacement payments which caused me to become delinquent on my account, then I had medical issues which, again, caused me to become late with payments. I have since become current on my mortgage, after a loan modification, and have remained current since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX we bought the house and the loan was from XXXX. We were paying XXXXa month. The loan was going on interest only for 5 years. In 4 in a half years later we submitted a loan modification. The loan amount stayed the same with taxes included. The insurance was paid separate this was in XXXX. In XXXX I called b of a asking them if they can help me with modification because I knew the rate was going up and I 'm on XXXX and social security. They told me yes, they can help and to fill out the modification forms. After, I received the modification that the loan has been sold to sls mortgage. So, I had no help from XXXX like they mentioned to me. I continued sending my payments on time every month. I asked in XXXX XXXX respectful in my interest and payment for XXXX. The mortgage sls told me they were going to send me a letter within 45 days before about the information how much my payment is along with my interest. I never received this letter. 
Approx. on XXXX XXXX I just received the letter. The letter of the new payment to start on XXXX XXXX, XXXX the amount of XXXX a month. this is the complaint that I 'm doing. That XXXX and knew they were going to help me and complicated to make this payment. bottom line is that XXXX mentioned they were going to help me and they decided to sell it to sls. In XXXX XXXX I submitted a package of modification to the mortgage sls. They denied it because of my income. They said that its better to sell the house and they can not help me at all. In XXXX XXXX XXXX I submitted a new form of modification with a little more income included. I 'm not sure if they will deny it or accept it to help me with a lower mortgage. If they do n't accept it I would have to leave the house because the fault of XXXX telling me they will help. Without me knowing from XXXX was going to go up XXXX. I became on XXXX permanent with social security. My wife is retired. The only thing I want is to find out how they did this to me this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RJM ACQUISITION LLC (AK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: When this debt was reported to me I had made three attempts to settle my original debt with XXXX creditor in the sum of {$99.00} for a false claim that I owed that sum. My checks were returned XXXX time from XXXX XXXX with the explanation that I had already met my purchase obligations. Funds were available in my accounts I used to send checks for XXXX that I had already paid for under the clubs mandatory purchase policy. This original transaction with my XXXX creditor took place sometime around XXXXwhen my check was returned. My account was passed to RJMXXXX around XXXX XXXX, XXXX and I continued to dispute that collection notice. 
RJMXXXX continued to harass me over the next 2 years for the {$99.00} sum that they claimed I owed since I refused to pay until they were able to prove that I owed that original debt but they were never able to produce any documentation from XXXX that I failed to meet my obligation in purchasing the required membership DVDs. 
I eventually relented and paid the {$99.00} sometime in XXXX XXXX. 

My RJMXXXX account number reads XXXX I recently attempted to contact RJMXXXX at the following address : RJM ACQUISITIONS LLC/ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone # : XXXX The reason for my recent attempt to call RJMXXXX was to ask them to remove this {$99.00} collection notice from my credit report since I consider it to be incorrect and I have continued to dispute this item from the inception. 

As of today 's date I have not been able to contact RJMXXXX or any of their representative that have inherited their active accounts since I have been informed that RJMXXXX is no longer handling my account and every number that I call is either not in service or the representative or their supervisor can not do anything about my request since they do n't have my account since has been closed

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (International money transfer) with JPMORGAN CHASE & CO. (IL).
Issue: Other transaction problem

Complaint: i was fraud alerted by chase bank that money was being transferred in the XXXX via XXXX XXXX online. I immediately contacted chase bank on XX/XX/XXXX at XXXX XXXX united states time XXXX on a recorded line that the transaction did not belong to me and was fraudulent.On XX/XX/XXXX the money was returned to my account at Chase. On XX/XX/XXXX Chase bank took the money back out of my account saying that i authorized the transaction with XXXX XXXX. Both XXXX XXXX and Chase are denying any responsibility. XXXX XXXX on XXXX XXXX, announced that they had a major security breach and I believe i was a victim. There were 3 transactions from the same person and location. I had previously sent money to this person who was related to me. The problem is that the monies were disbursed at a location in XXXX XXXX and my cousin lives in XXXX XXXX which is different region of the country. There was never a control number issued for these transactions which is required to receive the funds. 
I spoke with XXXX XXXX and they could not provide a control number of the transactions Transaction 1 ) XXXX Transaction 2 ) XXXX Transaction 3 ) XXXX totalling XXXX US dollars. I have been blocked by XXXX XXXX for going on line to investigate and Chase has said its my responsiblilty to contact XXXX XXXX. I also contacted XXXX XXXX and they said to call Chase because Chase withdrew the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This data was deleted from my credit report, and reinserted. 
This was a fraudulent 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 non-monetary relief
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX for XXXX XXXX is reporting a dept. I disputed with all three reporting agents. They said debt was valid. i called XXXX XXXX and XXXX XXXX. nether of them can provide any documents showing where I signed anything for this debt or what this debt is for. Midland account number is XXXX balance is XXXX date opened was XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a mortgage of {$190000.00} from XXXX XXXX XXXX Mortgage XX/XX/XXXX with a PMI of {$100.00}. The ORIGINAL HOME VALUE was {$230000.00}. The mortgage was immediately sold XXXX and had it for 5 years. In XX/XX/XXXX I applied for a loan modification and got approved where my mortgage was now {$190000.00}. In XX/XX/XXXX my mortgage was again sold to Green Tree. Since XX/XX/XXXX I have continuously asked for my PMI to be removed but kept on being denied. This year XXXX XX/XX/XXXX XXXX my mortgage is at {$160000.00} I asked for the automatic termination as stated in the Homeowners Protection Act. I got the run around for months and after months of it, I finally received a letter XX/XX/XXXX that my PMI will be automatically terminated XX/XX/XXXX. It is now XXXX and I am still being charged a PMI and after numerous phone calls, faxes and requests, they are now stating that my PMI will be terminated XX/XX/XXXX!! XX/XX/XXXX I will reach 62 % of my LTV ratio. 
GreenTree ( Ditech now ) is NOT in compliance of the Homeowners Protection Act for the following reasons. 
1. Loan modification in XX/XX/XXXX did not include a new letter or contract for the PMI stating the terms, time of automatic cancellation or when my loan would reach 80 % LTV ratio. They are refusing to supply me with this type of letter. 
2. There was no new appraisal to calculate LTV ratio during loan modification. 
3. They are NOT using the original appraisal value to calculate LTV ratio to remove PMI. I do not know what value they are using because they did not do another appraisal on my home besides the original appraisal. I asked them for the appraisals that they have on file and they only gave me the original of {$230000.00}. 
4. Currently my LTV is XXXX % when using ORIGINAL HOME VALUE. 
5. They are not honoring they letter to remove PMI XX/XX/XXXX. 
6. Ditech is now requiring me to complete a customer-requested cancellation where I have to pay for another appraisal, but it is not necessary as this should be an automatic termination since my LTV is XXXX % and nowhere near 80 %!!!! 
7. Refuse to put anything in writing when asked for letters stating their position and explanation. 
8. Refuse to allow me to speak with anyone such as the escrow department other than customer service. Customer service ALWAYS states that they do not know or are unaware and will forward my information and someone will get back to me either by phone, email or mail. No one ever responds. 

GreenTree ( Ditech ) is NOT in compliance with the Homeowners Protection Act of XX/XX/XXXX and should be fined!!

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