milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: SLS customer service told me my mortgage payments were current and I did not have to pay the XXXX XXXX payment because I had done a loan modification and the loan was current. The payments are {$840.00} each. But they require that the payments be sent by XXXX XXXX because the payments can not be paid online at their site. That 's another {$16.00}. The total payment is $ XXXX/mo. I was current until they said I did n't have to pay the XXXX Payment. I paid the XXXX payment today and went online to check the amount and it says I owe for XXXX and XXXX. I sent the XXXX payment via XXXX XXXX as usual for the XXXX Payment. I called and they said I owe XXXX months {$1700.00}. The customer service people who told me I did n't have to pay I questioned and she put her supervisor on the line too. He said the same thing, the loan was current. That call was on XXXX/XXXX/XXXX. I called yesterday and the customer service rep I spoke too said they should not have told me that and that they had mislead ( lied ) to me and she had notes in the file that they did in fact tell me that and that all their calls are recorded. She said she would get back to me because she wanted her supervisor to review the phone recording and ask me if that was ok. I am praying its not the same supervisor that lied before. I checked today and there is a class action lawsuit filed against this company in Colorado where they are located and multiple other complaints. I am sacred that I might loose my home and have been sick and XXXX last year. It would be impossible for me to move now. But based on their information my loan is current and has been since the modification last XXXX XXXX. But I think they tried and are still trying to file foreclosure on my home. The last XXXX cost me {$13000.00} on top of my mortgage and I received a new loan modification package from them yesterday. I did not ask for a modification. My loan is current except for their trickery about the XXXX XXXX payment. I 'm worried since my credit is bad because of my illness last year and to refinance would be difficult for me because I 'm self employed. And when I requested a payoff statement from them or even payment coupons they would not give them to me. The loan officer I went too said to get another loan I had to have a payoff statement. They will not give me XXXX. I 'm trapped and they are going to steal my home. 
Sincerely, 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 11/16/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Date-XX/X/2017 Amount- {$150.00} Company- XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-Paypal Client # XXXX XXXX Account # XXXX Amount Owed {$150.00} Sent this notice that the records of PayPal Inc show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted PayPal and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe PayPal any money and they have no record of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Current Information on TRANSUNION CREDIT report is Incorrect These account are not mind and would these credit report TRANSUNION to provide my with how account are mind. I need proof in writing that TRANSUNION has the right to REPORT this INCORRECT Information. 
XXXX XXXX Other XX/XX/XXXX Closed {$0.00} Account Details Last Reported XXXX Creditor Name XXXX Account Type Telecommunications / Cellular Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$610.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Latest Status : Collection/Charge-Off no payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/2017 Creditor Name XXXX XXXX Account Type Secured Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$410.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late XXXX Remarks Payment after charge off/collection Dispute resolved ; customer disagrees Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX XXXX XXXX IA XXXX XXXX _____________________________________________ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency AD XXXX Original Creditor 12 XXXX 69 Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility XXXX XXXX {$0.00} High Balance {$300.00}

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: National Credit Systems Inc has reported a collection account against my social security number and I never authorized the use of my personal information to this company nor have I ever received any services from this company. This business holds no legally binding contract with me that obligates me to pay for any sort of alleged debt. I disputed the accuracy of this account and they keep sending it back as verified. National credit systems has YET to send me any type of adequate proof that shows me agreeing to pay them. I filed a complaint with the Better Business Bureau and National credit systems responded that they were acting on behalf of another creditor, but 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93 states " The right of subrogation does not exist for a stranger to the transaction. '' It 's illegal to act as a substitute to a contract that they were never apart of. National credit systems is in violation of the law, the FCRA, and the FDCPA. FDCPA Section 805 ( b ) says : COMMUNICATION WITH THIRD PARTIES. -- Except as provided in Section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
This inaccurate information was reported to the three major reporting bureaus without my consent. 
FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
National credit systems has not been in any connection or listed on any contract signed by me and they refuse to properly validate this inaccurate information. Until a contract ( original contract ) is produced with my signature between national credit systems inc and myself, this information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company IQ Data International keeps calling me and I have advised them I was in dispute, the representative XXXX was very rude threatening me and demanding I send her information to her managers email will driving. Advised her I was driving and she told me send it anyway. She began threatening me saying Im moving forward with actions against you. Very rude, I called and spoke to manager and she was just as rude. This happen on XX/XX/XXXX. @ XXXX. She has been calling me over and over for about hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: The same as the last XXXX submitted I was the victim of credit card freud and need to have these accounts resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.

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 03/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I C SYSTEMS COLLECTIONS # XXXXI believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL-XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will respond by certified Mail.

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 10/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On or around XXXX XXXX 2016 there was an unauthorized accessing of my personal credit info, this was an act of violation of XXXX and should be deleted. 
1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX/XXXX/XXXX 5. XXXX XXXX My credit report showed a credit inquiry by the above company that I do not recall authoring.

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 04-10-2015 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My relatives have received harassing phone calls, saying it will be arrested, served papers, charge with failure to appear, they have pretended to be officers of the court etc. I have called them back and reviewed their information to find out it is not me but someone who 's last known address is half way across the country. Then this morning They promised before to take me off their calling list after calling my lawyer. Two days ago I registered a new phone number and the calls continue, when I return the call they tell me they are suing me for XXXX/XXXX percent of what I owed ( keep in mind I owe them nothing ) and I even confirmed with them they had the wrong person by asking for that person social and provided my last XXXX to them. She is then abusive and hangs up so I call back and she insist that I confirmed that it was my debt and she 's serving me with papers. I have lived in XXXX for the last 4 years and this debt they are trying to collect is only a few years old during a period I could not have made it. They refuse to give me an address of the company, any details or talk with a supervisor but insist it is me even after I confirmed it was not. They called me at XXXX waking up me and my wife who are getting ready to have a baby and their threats are causing me unrest when I do n't even know this person their trying to collect on and contacted family members private cell phones that do n't even share my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Consumer Loan (Installment loan) with OCWEN LOAN SERVICING LLC (IA).
Issue: Managing the loan or lease

Complaint: This loan was an unsecured " XXXX XXXX XXXX '' that was originated through XXXX. It was then serviced by XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. The loan was then sold a few times. In the midst of the moving of the loan, payments were marked missed that were actually simply misdirected. However, the BIGGEST problem is the fact that Ocwen Loan Service is listing this installment loan on our credit report as a mortgage loan- which it is not. This has prevented us from being able to get refinancing on our current home. We have tried everything to get Ocwen to report this correctly, to no avail. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 have disputed a chapter XXXX bankruptcy shown on all XXXX bureau reports XXXX times over the past XXXX years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past XXXX years. Thus my complaint is against XXXX, transunion and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. 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 05/31/2015 about Debt collection (Medical) with AVANTE (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX I pulled my XXXX credit report and found that XXXX is reporting a medical collection that was previously deleted by another collection bureau because they could not validate this bill. I never received a dunning letter, bill, phone call from this company. This account does not belong to me and my credit score decreased tremendously because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is stating that they did not receive my mortgage payments for 4 months which I learned this new information on XXXX XXXX late that evening and that my house was in foreclosure. My last payment was on XXXX XXXX of 2016 and when I called to check on my payments they said everything was fine. On the XXXX XXXX When I found out that they had a place my house in foreclosure right after making my payments. Now I am presently being investagated by Wells Fargo for their mistakes. Which they have change the resolution dates for their findings three times and it 's XXXX XXXX. They are refusing to deal with me and advised me to contact you all after a disagreement. They are saying that all long they had the wrong account number but in XXXX they used the same account number save XXXX which they got their payments. I have not received any notices that they had this problem nor my house was going in foreclosure until 6 days later after making my house payments. Please help 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 01/19/2017 about Payday loan () with Acceptance Solutions Group, INC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I had vehicle problems and needed some quick cash so I took out a loan of {$550.00} from Ohio Acceptance. It was all done over the internet and quickly. They set a {$100.00} payment to come out of my checking. So far i have paid them over {$1000.00} back and they still say i owe them $ 600+. This is completely ridiculous and they are preying on consumers with poor credit. I do n't even think it is legal to charge 700 % interest and I definitely did n't know this was the case. Every week now a few times ( six times last week ) they try to deduct my account which i have told them is empty and I keep getting overdraft after overdraft. When I contacted them about it they pretty much laughed and said there was nothing they could do. Meanwhile i am in financial ruins and ca n't even pay my bills over this nonsense.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I was unknowingly charged a {$14.00} cash advanced fee on a credit card charge. I would have never made this charge if i knew it would be logged by my bank as a cash advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: We are business and private customer at Bank of America since 2008 in good standing. About a month ago we have received a phone call and were requested to provide personal sensitive information like our social security numbers, etc. over the phone in order to update our customer profile. We denied to give out this information by phone but called Bank of America immediately to take care of this update. Our information had not changed, but we received the information by phone that the update was taken care off. On XX/XX/XXXX we received 5 different letters from Bank of Amerika : XXXX of our credit cards had been closed, XXXX of our checking/saving account would be restricted due to missing personal information. We called Bank of America again, provided more information, until everything was supposedly resolved. When we tried today to pay our Credit Card Statement we learned that our business credit cards were closed. Today we lost 5 hours talking to different agents at Bank of America who were all very friendly but who could not do anything else than apologize and telling us that these are all compliance reasons. Why can we get a letter by mail that our accounts are closed but not a letter that there are still certain points that have to be clarified before the account is closed? At this point we are really upset and not feeling treated as " VALUED ' customers ( like Bank of America always tells us ). We want to make sure that this matter is taken care for all our accounts now before our other accounts are blocked / closed also. We are really disappointed that Bank of America is " playing around '' with our accounts just to get information and not considering in one single moments that they are affecting our business and private banking in a very negative way.

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 12-12-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have initiated the payment for XXXX several times for account XXXX the payment has been rejected with the Pro Collect representatives attempting to collect an amount that is over 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