milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2016 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Mid Atlantic left a threatening voicemail on my cell phone about a debt and how my credit would be ruined due by reporting to a CHEX agency. When I called the first XXXX refused to provide any information but demanded my SSAN. They hung up when I asked who they were and what the claim was. Finally, a XXXX person told me that they would fax the documents but could n't tell me over the phone what the claim was. The fax has not arrived. 

My credit is excellent and I am wondering what this about. These people are using my cell phone without permission. They are rude and overbearing and use legalistic phrases that are not relevant. 

There are tons of complaints about these people online. 

I resent my cell phone being used, being accused of owing a debt, being harassed, and being threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.

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 08/19/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I am being scammed out of my husband 's pension by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I checked debt collector on this because this is what this company represents them selves as. I am writing ab out Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 payme nts of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received millions of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> 
I have also may times asked for them to send me a copy of   the  Pooling and Servicing ag reement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Macys XXXX statement was paid in person at the store. The payment was not credited to my account. 
Macys reported XXXX that payment was overdue which loweredmy credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Paragon Credit Services (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The Credit Repair agency owner called my previous device in which I no longer have and has been given to a family member because I could not afford and left a voicemail calling me a coward for no paying what I owed even though I was told the money could be refunded for satisfaction guarantee and also stated account specific sensitive information in the voicemail. Also threatened to report to all XXXX credit agencies and hire an attorney to garnish my wages. Then he began to question my position in my company stating he does not know what kind of company I can be the head of because I am a coward and had funds reversed from their company. They have not sent me myself any communications through email which they have as well as anything to notify me of the fact I can not reverse the satisfaction guarantee funds.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/16 Complaint Department Equifax Credit Information Services , Inc XXXX XXXX XXXX, GA XXXX XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, 2016 I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 

These above accounts are been rehabilitated according to the XXXX Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the XXXX the above duplicate accounts listed XXXX XXXX XXXX should be removed. The XXXX further reports that credit bureaus should contact the XXXX while these items was disputed. While the credit bureaus never contacted the XXXX provided me the letter as evidence mail to Equifax. According to the XXXX these items should be removed. Please removed these items, or contact the XXXX Furthermore Account Number : XXXX Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. Please provide me the evidence that I owe them any money. 
I am requesting that Equifax have the item s removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my XXXX passport and driving lic, as evidence that I have XXXX single name. 

Supporting my position. Please reinvestigate these matters and contact the national credit reporting companies to which you provided this information to have them deleted the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX Pennsylvania

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XXXX  in my previous complaint did not address why they violated Regulation B and did not respond within 30 days. there is a message received on XX/XX/XXXX XXXX XXXX from XXXX with XXXX XXXX Bank in XXXX that he received my application. the bank sent the denial on XX/XX/XXXX almost 90 days later. I feel that I was treated unfairly and then XXXX XXXX  called with denial that did not explain all the reasons for the denial and instead they discouraged me to proceed with the refinance because of the high rate in my situation and instead told me to apply for the modification that was denied. they refuse to provide me any additional options. the only option they may consider is short sale which I refuse to do and want to stay in the house

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 06/21/2016 about Money transfers (International money transfer) with CITIBANK, N.A. ().
Issue: Wrong amount charged or received

Complaint: I am a XXXX citizen. 
I do have a fund of XXXX with the CITI-Bank. 
Because of the new XXXX rules the bank asked me for the transaction of this amount to pay XXXX .I have payed this amount. 
The Bank asked me after this payment to pay another XXXX for the transaction. 
This procedure seems very strange to me. I have the suspicion of a fraudulent procedure

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Unverified 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 explanation
Consumer complaint received 06/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is listing my credit score XXXX and they say it is due to overdue payments. The other XXXX credit score agencys have me in the top XXXX. I do not have any overdue payments on any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: on XX/XX/2016 somebody broke into my house/office and stole my checkbook and wrote several checks but XXXX were cashed by the bank, I informed the bank about it but they insist I have to pay those checks, those check do not have my signatureThe bank is chase, my account # XXXX chase phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I 've reached out to this company several of times about the collection account that they are still reporting on my credit which was last reported in XXXX XXXX, but the account was paid in XXXX. This is hurting my credit tremendously, and I need this item completely removed. If we ca n't get this issue resolved I will be forced to file a legal lawsuit for knowingly destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Student loan (Federal student loan servicing) with Ceannate (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: During a time of financial hardship I fell behind and was unable to make student loan payments. During this time I received several threatening phone calls from a company servicing my federal student loans called XXXX investment corp . Representatives at the company were demanding that I pay the entire lump sum of the loan amount. During several harassing phone calls representatives threatened to send my loan to a law office that will garnish my wages unless I made a payment of {$50000.00} over the phone. I was unsure who this company was and they were unable to confirm details of the accounts. Income based payment options were not made available. Excessive fees and high interest have also been added to my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Struggling to pay mortgage

Complaint: SLS is attempting foreclose on my home a fraudulent robo signed assignment. The assignment was created after the cut off date of the pooling and services agreement filed with the U.S. Securities Exchange.I also revoke the power of attorney that XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX has. I have sent 2 QWRS and a debt validation letters. I submitted a complaint on XX/XX/XXXX, and they still have my home in foreclosure

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 05/24/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i have a on my account a credit card account that was part of my bankruptcy and it should have gone a way but its is still reporting and it is reported as closed the card is XXXX the last time it has reported XXXX XXXX so it goes buy this when it should have been gone XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Debt collection (I do not know) with Clear Debt Solutions, LLC (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: CDR is calling me about a co-worker who has a debt with them. They are calling my company issued cell phone and my home land line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Billing disputes

Complaint: I have written you before with unsatisfactory results about my former bank, but the issue I wish to take up today is different and pressing enough for me to contact you again. 
I have recently discovered that the company, XXXX has been hit by class action suits in approximately XXXX states for fraudulent selling, misinforming or not informing customers, and for unauthorized charges to their credit cards. Many times, the customers were not aware of these charges or that they had signed up for memberships that were charged to their cards or their mortgage each month. The same happened to me in 2012 and my case was sent to collections by Chase, who had been charged along with Trilegiant in at least XXXX case. I am still trying to clear that up. 
Each month, for 5 months Trilegiant made XXXX separate charges of XXXX for memberships in XXXX and XXXX to my Chase card. Eventually I refused to pay because I had I had not authorized these charges or knowingly signed on for membership. Chase continued to bill me, added interest charges and late fees, and eventually sent the bill to collections, creating a negative entry on my credit report. 
At that time, I was traveling and working in XXXX. I seriously doubt that the memberships could have been used there, even if I had signed up for them. However, the point is still that I did not knowingly authorize XXXX XXXX to sign me up for memberships or charge my Chase Card. I do n't even know how they got access to my credit card number or any other authorizing information. When I try to discuss the matter with Chase Fraud operations, they do n't listen and will not assist me in clearing this matter up so I can get these charges removed from my credit report. 
Upon returning to the US, I reviewed my credit status and did follow up on the Chase collection charges. I asked for reports and finally received the final reports yesterday showing the charges made by XXXX. I. contacted XXXX XXXX in fraud operations at Chase and was informed that she had decided that I was responsible for the account because I had made payments to it. 
I then went on the web to research the company and found that there were approximately XXXX similar complaints. Chase had been named, along with XXXX, in at least XXXX class action suit and XXXX has been fined millions of dollars for these actions in approximately XXXX states. In many of these cases, the consumer had, like me, paid the membership fees for several months before complaining. I also viewed XXXX law firm soliciting clients to file complaints against XXXX for the same reasons. I want to file a complaint, but not with them. I want Chase to correct this situation by acknowledging their error and removing the negative entries from my credit report. Can you help me? 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with R & B Corporation of Virginia (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The collection agency XXXX XXXX XXXX is damaging my credit report stating I owe for medical bills. I do not have a contract with them at all.. I sent out a validation letter on XXXX XXXX 2017 asking for verification/validation ... They sent me a letter stating the debt was validated but sent no proof or invoice..I sent out another letter asking for validation with a invoice and have yet to receive a response ... Due to the HIPAA law my rights were violated ... I never agreed for a third party or any party to have access to my information ... therefore this collection agency needs to be removed off my credit report ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, GA XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.govRE : SPS ACCOUNT : XXXXXXXXXXXX Relationship ManagerSelect Portfolio ServicingXXXX UT XXXXDear CFPB : I have reviewed Specialized Portfolio 's Services ( SPS ) response to my XXXX 2015 complaint and find it inadequate. 

My initial complaints remain valid. 

Damages Due Withholding Funds Of BorrowerSPS has reported derogatory credit information on me while holding a significant amount of funds belonging to me since the transfer of my account servicing from XXXX to SPS. These funds were held due to an error by the XXXX servicing organizations. 

I am requesting compensation for damages to my credit and compounding my ability to refinance my home. Resulting from withholding this cash. How can you report payments when you are holding funds of the borrower? I was refunded over {$5000.00} in 2015 from SPS due to this error. These funds would have offset any delinquencies. 

An investigation by SPS and communication with XXXX will reveal this. 

Uneconomic and Unethical Mortgage UnderwritingMy mortgage payment of principal and interest is less than my local property payments. A simple review will reveal that this financing is uneconomic. 

Failure to DiscloseWhen I receive my initial mortgage and modification it was not disclosed that I would pay PMI insurance. I would like this payment eased. 


Damages Due to Property Tax Escrow MismanagementI don not pay my property taxes. My properties taxes are escrowed pay SPS. 
SPS has often miss calculated the tax escrow resulting in additional derogatory credit information and tax liens. 

Uneconomic Mortgage UnderwritingMy current mortgage payment after modification is much higher than my originalMortgage PI. Again this underwriting is uneconomic. 

I have applied for a review of this modification, which has been hampered by time lags on SPS, request for up dated in formation. 

I would appreciate your assistance in resolving this matter or directing me to a legal agency. 


Thanks. 

Sincerely, XXXX XXXX, XXXX

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