milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MS).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2015 I received Notice of Acceleration and Forclosure from XXXX XXXX, XXXX on behalf of Select Portfolio Servicing.On XX/XX/2015 I responded with A Validation of Debt letter.A notarized copy of the Validation of Debt letter was faxed to XXXX XXXX, XXXX, XXXX number XXXX certified copy was also mailed to SPS and XXXX XXXX XXXX XXXX. On XXXX XXXX i received a certified letter from XXXX XXXX, XXXX stating that no documentation in regards to my request would be provided. Because I did not respond within the FDCPA 30 day time frame. This is clearly untrue. I have attached the Notice of Sale dated XX/XX/2015, Notarized Notice Of Validation of Debt dated XX/XX/2015.which was faxed and sent certified mail to XXXX XXXX , XXXX and Select Portfolio Servicing. 
FDCPA states : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification about four months ago with XXXX XXXX XXXX, but their paperwork still has my ex husband 's name on the paper work even though I've sent them and they have confirmed the following : Divorce decree from XX/XX/2015 Quit Claim deed notarized in Colorado They have acknowledged that my ex husband DID NOT sign the original bank note, but still insist that he must sign the loan modification papers, which him and his new wife REFUSE to do. 

Ocwen has acknowledged they have the documents in question, but still will not complete the modification even though I have submitted the three trial payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2017 about Money transfers (International money transfer) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Money was not available when promised

Complaint: XX/XX/XXXX I had wired funds to my step brother in XXXX.I had used wire services of Citizen bank.As of today XX/XX/XXXX, 6 weeks later the funds has not been received.I had talked to various people at their wire department since XXXX have been getting conflicting answers from them at the very least and some of them were just plain rude.The XXXX people I talked to most are XXXX XXXX and XXXX ' ( who did not want to give me her last name ) .I had requested them for an identifying number so that recipient bank can trace the money.But all XXXX said was'XXXX ( intermediary bank ) told my brother to get into the recipient bank branch and CLAIM HIS MONEY '.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with PNC Bank N.A. (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I have a checking account and HELOC at  PNC  Bank. I deposited a check for {$45000.00} on Friday  XX/XXX  On Monday  XX/XX , the money posted to my checking account. On   XXXX  , I made an online transfer from my checking account to the HELOC. On  XX/XX , the PNC website showed that the money had posted to the HELOC. So, I made a {$9300.00} payment to the  XXX . PNC rejected the payment due to NSF! Now, I will be fined by the  XXX  for a rejected payment. PNC refused to acknowledge that this was their error. They claim that they are allowed to place an automatic one-day hold on internal transfers between their own accounts! This is a misrepresentation on their part since their website showed that the funds were available.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Chase claims they do a courtesy one time no overdrawn fee and makes you sign a paper. However, they are hitting customers with {$34.00} dollars everytime there is not enough funds in the account for electronic transactions. How is it possible to allow you transaccions when there is not enough funds in the account. They are just stealing money legally from customers. <P/>Upset customer, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with KMT Group, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: In XX/XX/XXXX I lost my job and couldn't pay on an unsecured installment loan from XXXX. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XX/XX/XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing ( SPS ), Inc. recently employed XXXX XXXX XXXX XXXX XXXX ( a law firm ), to send via certified mail a " Notice of Acceleration of Loan Maturity '' letter dated XXXX XXXX, XXXX ( see attached ) to me. As required by Texas Property Code 51.002 ( d ) and the Deed of Trust, SPS is required to send a " Notice of Demand Payment '' and a " Notice of Intent to Accelerate '' in order to provide adequate time to cure the debt and notice me that failure to cure the default will result in acceleration of the entire debt and could lead to a foreclosure and, possibly, a deficiency judgment against me if the proceeds from the foreclosure sale do not fully extinguish the secured debt in accordance with common law requirements. SPS did not send me neither the " Notice of Demand Payment '' nor the " Notice of Intent to Accelerate '' as required by law and the Deed of Trust. 
SPS purchased the servicing rights to my mortgage while it was in default. Therefore, they are deemed a debt collector and not an original creditor in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 803 Definitions [ 15 USC 1692a ]. SPS ( or their agents ) has, despite written requests to " Cease and Desist '', continues to come onto my property and hang notices on my door ( see attached ). 
Finally, both XXXX XXXX XXXX XXXX, XXXX and SPS are in violation of FDCPA 1692e and 1692g ( b ) in that neither the law firm nor mortgage servicer has properly verified the debt. I have sent numerous RESPA requests asking for an itemized accounting clearly explaining each charge from inception of the loan. The payment history and all transactions from inception of the loan to XXXX XXXX have never been produced by SPS nor the previous servicer. They produce a copy of the note and an incomplete accounting which is missing years of records, does not clearly explain each charge with a date and does not reconcile back to the amount owed. Therefore, I am not able to adequately dispute the amount of the debt due to insufficient itemized accounting records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I took out a XXXX mortgage through XXXX XXXX home loans. The loan was subsequently transferred to Citi Mortgage. In XXXX I became XXXX and lost my job, I did not pay on the loan and it expired under the XXXX Statute of Limitations in XXXX. Citi has removed the loan ( see attached XXXX ) but the XXXX XXXX lien is still showing up on XXXX County records. I have contacted both XXXX XXXX and Citi and neither will take any action to remove the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been a victim of the Equifax hack. I went through their site to see if I was affected, and it said I may have been.
I understand that Equifax was also a victim in this attack, but there is only one way that over 140 million people could have been affected : negligence in regards to security and storage of highly sensitive personal data.
As an additional layer of negligence, they should have informed the public much more quickly instead of waiting more than a month after the breach happened.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I HAVE A CREDIT CARD WITH XXXX XXXX. ACTUALY 2 CARDS. THEY REPORTED ME LATE IN XX/XX/XXXXAND PREVIOUS MONTHS WHICH I WAS NOT LATE. MY CREDIT SCORE DROPPED SIGNIFICANTLY AND I 'M TRYING TO FIX MY CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are fraudulent inquiries appeared on my report without my permission  1.    XXXX    XXXX     XXXX    2 .   XXXX   XXXX    XX/XX/XXXX   3.    XXXX   XXXX   XXXX     XX/XX/XXXX   4.   XXXX   XX/XX/XXXX   5.    XXXX   XXXX   XXXX    XX/XX/XXXX   6.   XXXX   XXXX   XXXX  XX/XX/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 01/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Advertising and marketing

Complaint: I went to use one of my Capital one visa card and the transaction was denied. I had a second different branded capital one credit card. I then tried to use this card. It was also decline by Capital one. I then called capital one to see what the problem was and was told my credit card accounts were closed today. I asked them why and I got a vague answer and they said they could not give me any other information. I have always made my payments on time and there are no problems with my account. It appears that Capital one is Capital one offers a rewards program that is like a bait and close program. You get a high percentage for rewards but after a period of time if they see they will not make a profit on the account by looking at your buying patterns they close the account. Probably an illegal practice. The right federal agency has n't taken notice of this practice yet, but they should. What if some one was traveling thing their Capital one account was in good stand and Capital one closed the account as they did mine with no notice. They would be stranded. Consumers should all be treated equally fair. Capital one does not do this ands is running a scam on the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX 2015 I went into XXXX XXXX at XXXX XXXX XXXX XXXX SC XXXX currently called XXXX XXXX XXXX XXXX XXXX after receiving letter from collection agency stating I owed a Balance of {$3500.00}. I spoke with the assistant Manager at the time name XXXX and explain that this balance was not correct and she went to look for file and said that it was not in the office due to changing management companies. She was able to find some info online and saw where I only owed {$1200.00} and I paid that to them at that time. This is still being reported on my credit and with wrong amount original debt amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received there so called itemized statement that show a balance of XXXX Dollars, which I am attaching and Common wealth is asking for XXXX. I sent a letter Certify Mail requesting further information and detail to how they came to this balance and further proof. I am also attaching the return receipt .Which was sent out more then 45 days ago. and still now Response form Common Wealth.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with First Advantage LNS Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon learning of this alleged debt on my credit report, I sent in a validation letter on XX/XX/XXXX and was sent back a copy of a lease dated XX/XX/XXXX-XX/XX/XXXX and typed up charges from XXXX. This alleged debt states the debtor moved out in XXXX and I wasn't living at this property then. I sent in a second attempt of debt validation on XX/XX/XXXX and asked for further validation that this alleged debt belongs to me, including proof this company's license to collect on debts is expired. I was sent back the same letter I sent in on0XX/XX/XXXX with writing on my requests stating they are only sending me what is required by law concerning the creditor/debt collector declaration. They hand wrote on the letter and  stated " original lease sent, renewals do happen" but have failed to provide the alleged renewal. When I highlighted the contradicting dates on the lease it was hand written " So what? you singed a renewal of stayed, you still abide by lease" but once again not providing a copy of this alleged renewal. I also asked for validation they bought this alleged debt, etc but they refuse to provide me with any valid documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (MI).
Issue: Improper use of your report

Complaint: Loan depot called about an inquiry of refinancing my home. After talking for a bit they asked to pull and take a quick look from my credit just to look at the score. Company ended up pulling a full report with out permission including all of the current loans I have out. After opting out of their services they still send paperwork to move forward with their loan which I did not agree too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: Late fee

Complaint: Wells Fargo continues to charge me late fees when their own system shows that I am making more than the minimum payment each month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pre recorded msg states they are collecting adebt for a name I never heard of. Says if I am not this person hang up otherwise I am acknowledging I am this person. I have tried call block but switch their number. Caller ID says XXXX offices. Numbers start with XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Student loan (Non-federal student loan) with Kohn Law Firm S.C. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I cosigned for a student loan for my son to be paid after he graduated. Kohn Law Firm of XXXX WI, ( a " Nationally recognized debt collection law firm '' according to their Website ) starting working with the collection of the debt in XX/XX/XXXX. I set up a verbal payment agreement with them and began making {$200.00} per month in XX/XX/XXXX. Payments were sent to the firm at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I continuously requested validation of the debt and when they did sent me information it was not complete. 

In XX/XX/XXXX, they filed a lawsuit against myself and my son. We both hired attorneys and again both attorneys requested copies of the master list ( pool agreement schedule XXXX ) showing that this loan was transferred to a trust account. 
In XX/XX/XXXX, Attorney XXXX contacted my attorney ( who was hired to represent me on the loan of my son 's ) regarding another defaulted loan that was in his office on a student loan of mine. Now I did not hire the attorney for this matter and I had been dealing with Kohn Law Firm since XX/XX/XXXX, waiting for the master list ( Schedule XXXX of a pool agreement showing my loan was transferred to the trust ) As of today 's date I still have not received anything from them. Attorney XXXX violated my right to privacy by even mentioning this matter to my attorney, who, again was not representing me on this matter. 
This Master list regarding my son was never provided and the court dismissed the case in XX/XX/XXXX along with my counterclaim. My counterclaim was for a refund of payments made in the amount of {$2000.00} along with attorney fees and {$1000.00} punitive damages. Between XX/XX/XXXX and XX/XX/XXXX I actually paid $ XXXXXXXXAfter a month I contacted the Attorney XXXX XXXX requesting a refund of the {$2900.00} I paid on the loan that they could not prove the ownership of. He has refused. 
I sent an email again asking for a refund of my money and again he refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase keeps sending me physical mail ( or claims they have sent me physical mail, because obviously the delivery rate for their mail seems low ). Like anyone born after XX/XX/XXXX, I dread the notion of physical mail. This is not XX/XX/XXXX where physical mail could have been ( being generous here ) considered the best way to communicate. 

As much as I like waiting XXXX a ) week XXXX XXXX ) to receive my mail with no tracking on important matters, then finding a sharp tool to open the mail XXXX, then extract the letter while desperately trying to avoid paper XXXX, then taking out the trash so I have a place to throw the envelope, it is ultimately extremely unsafe. Whenever I get mail from Chase, I have to bring it to some kind of shredding service. 

In this modern day and age, I really do n't know who thought up that sending personally identifiable information over physical mail was a good idea.

Company response to consumer: Closed with explanation