milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX XXXX 2015 I mailed ( via Certified/Return Receipt ) a " cease and desist '' letter to Resurgent Capital Services. Letter was received and signed for by a XXXX XXXX on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another " debt validation '' lettter from Resurgent Capital Services dated XXXX/XXXX/15. 

USPS Article Number : XXXX XXXXText of Letter sent : Gentlemen : I am writing in response to your letter of XXXX XXXX, 2015 in connection with your proposed collection of the above-referenced " debt ''. 
After thoroughly researching this matter, it is obvious to me that I do not owe what your firm claims I owe. In fact, I emphatically dispute this alleged " debt ''. As I am aware of my rights under the Fair Debt Collection Practices Act ( hereinafter " FDCPA '' ) as well as Texas State law on the subject of debt collection, I dispute the validity of this debt. 
Please let this letter serve as formal notification that I consider this matter permanently and forever closed, and I hereby demand that your firm or any of its affiliates immediately cease and desist from any further contact with me regarding this matter except that I demand your firm confirm with me, in writing, that your debt collection efforts in the above matter have been immediately terminated or that you or the " creditor '' are taking specific actions permitted by the FDCPA or pursuant to Texas State law. 
Please be advised that I will consider any further contact of any kind from your firm or its affiliates ( except as to the above-mentioned confirmation by your firm that the referenced matter is closed ) to be in direct violation of the FDCPA, and that any such further contact from your firm or its affiliates will also be considered a violation of the laws of the State of Texas pursuant to debt collection. As such, please be further advised that any further communication ( whether written, oral, electronic or otherwise ) by your firm or its affiliates will, in fact, be reported to the Texas State Attorney General and the Federal Trade Commission. As I am sure you are aware, violations of the FDCPA may result in, among other things, your firm being fined up to {$1000.00} per incident. 
Please be guided accordingly, Very truly yours,

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MEDCAH, Inc. (HI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was living with a friend and moved out they where notify and the cables still continued to be on there for it became a huge bill. Never received anything about tell I checked my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Consumer Loan (Installment loan) with Equitable Acceptance Corporation (OH).
Issue: Taking out the loan or lease

Complaint: Equitable Acceptance, XXXX XXXX XXXX, MN XXXX XXXX Toll Free XXXX I contacted this agency regarding assistance with repaying my outstanding Student Loans. I was informed that they would assist me in developing a repayment plan. I was emailed the documents to sign and return. Then they requested my Tax Returns for the past 2 yrs. be faxed to their office. I completed the process and then was informed that my payment was $ XXXX/mo. that would be deducted from my bank account at XXXX. I then received a statement stating that I owed {$1200.00} which is not my Student Loan Balance Owed. I contacted this company to cancel this transaction and was told that none of the monthly payments were going toward my Student Loans and that they had purchased my Student Loans from the original lender. I then contacted the original lender and was informed that they still are holding my Student Loans and they were never sold to this company. Equitable Acceptance is a loan company that is misrepresenting their products to students and getting them to take out loans thru their finance company. I did not request a loan with this company and was given false information regarding their service to people with outstanding Student Loan Debts. I want them to refund my money back and to be shut down from soliciting business on the radio to people with Student Loan Debts seeking assistance with a repayment plan to resolve their Student Loan Debts. I have been tricked into taking out a loan with a finance company that is not providing any assistance to me with repaying my Student Loan Debt. I want this loan cancelled and a full refund of my money. This was a horrible thing to do pretending to be a servicing agency to help people with outstanding Student Loan Debts. Thank you in advance for your time and assistance with this critical matter. Account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was offered a trial modification by my servicer - Carrington. I accepted the offer. The first payment was due in the month of XXXX. As a member of the XXXX XXXX XXXX XXXX, I received 30 day XXXX in the month of XXXX. None-the-less I called Carrington to make the XXXX trial modification payment over the phone. Carrington refused to take the payment over the phone but instead demanded that I send via XXXX XXXX. Because of my service I explained to Carrington that I would have limited access to XXXX XXXX and I faxed my XXXX. Carrington stood firm in their unreasonableness. I was able to get to a XXXX XXXX office on XXXX XXXX, but Carrington refused to accept the payment because they claimed it was late. My Authorized XXXX Party representative called Carrington on XXXX separate occasions - XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. The purpose of each call was to determine whether or not there was a scheduled foreclosure sale date. Each time the Authorized XXXX Party Representative was told there was not a foreclosure sale date. Carrington completed a foreclosure sale on XXXX XXXX, 2015. At the time of the foreclosure sale I remained out-of-town due to the XXXX mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My last name and my brother last is the same my brother has mortgage under his name, however I have no mortgage under my name Thsnk

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 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JNR Adjustment Company, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sent me a bill for a damaged pedestal that they claim was cut-off and removed by me. I have not had phone service for over 5 years and was not even aware the pedestal was on the property, however I am told it is out of the easement by my surveyor. The pedestal was apparently run over by an unknown party travelling on the road. It had not been maintained by XXXX and was not visible. I have no other information other than I contacted XXXX to report the damage and was told that I was not responsible as it was outside of the home ( anything from the home inside is my responsibility - wiring, etc. ) I was told they would take care of it. They did not and there was jagged metal from the metal box adjacent to my drive where I enter and exit the property. We placed the metal in the trash for removal. After that, the XXXX repair techs came and cut-off the lines ( I guess ) and filled the hole with dirt. I was then sent a bill in the mail for {$1600.00}. I responded with a letter explaining the circumstances and received no further correspondence until a bill collector from JNR Adjustment began calling my work phone and leaving messages. I have attempted to resolve this through XXXX directly and they told me I would have to PROVE I did not damage the property! How can that be the American justice system? Guilty until I can prove I am innocent?????? It is their equipment, abandoned and damaged and I am the easiest target? How about they be required to prove I DID damage it. Which they can not, because I did not. I think they should accept the responsibility for not maintaining their own equipment and stop harassing me. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I signed up for the Citi XXXX Card in XXXX and the advertisement said there was a XXXX points sign up bonus after {$4000.00} spending within 3 months, with the condition that " Bonus XXXX XXXX are not available if you have had a XXXX XXXX, XXXX XXXX or Citi XXXX card opened or closed in the past 24 months '', as still posted on Citi 's  XXXX sign up website. 

I met the spending requirement in XXXX, and i never have a XXXX XXXX, XXXX or XXXX XXXX before. However, I never receive the XXXX bonus points, and upon my inquiry to customer service, they said I am not eligible because I closed a XXXX XXXX card in the past 24 months. I asked again where was the language about the XXXX XXXX card posted in the website or in the terms in I received in the card application, they replied that " The offer to receive bonus XXXX points is not eligible for any card products which previously earned XXXX points and were opened or closed within the past 24 months. ''

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 09/16/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is at it again with it 's XXXX discriminatory attempted extortion XXXX!!! I have received a notice of intent to foreclose ( attached ) on my property for NO apparent explanation after paying my monthly mortgage payment on time every month, and Never 30 days or more late. Even though with Wells Fargo fully knowing that I have a negative amortization toxic XXXX PICK A PAYMENT loan that they continue NOT to provide a new revised loan on because I 'm a XXXX, as their representatives in Texas have personally verbally said before, and they want to take my property!!! All of a sudden have changed the monthly mortgage amount unbeknownst to me, nor has any document communication stating any change has been provided to me in writing as a consumer regarding the monthly payment amount. Attached are ALL monthly payment receipts that have been made, and the last PICK A PAYMENT statements breaking down the payment options, and monthly amounts due per each XXXX UP option .....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I have filed previous complaints here on this issue, and I amrequesting these be taken seriously. This is not a repeatcomplaint, but an effort to show cone Consumer ProtectionFinance board how companies, and this company does notcomply or care about complying with the various consumerprotection laws, nor does it even take complaints made hereseriously as they continue business as usual. All I have beentrying to do is get a line by line reconciliation of this account, and all American Express does is state it is correct, and weare wring, in spite of the fact we have sent them actual spreadsheets to prove we are correct and they are wrong, We havebeen trying to get this resolved since XXXX, 2013, AND allthat happens is every sixty days, our dispute is removed andwe must reinstate it. And now it is happening every thirty days and we are threatened with bad credit reporting, told we arein breach of contract and the issues are never addressed at all, except to say they are right and we are wrong ; and therefore, the issues are resolved, which they are not!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 have ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of accounts.

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 04/14/2017 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Problems when you are unable to pay

Complaint: I went to NFCU because I wanted to consolidate some major debt I had with some credit cards about a year ago, they gave me an super high Apr % which I have been struggling to maintain payments with. I reached out to my chain of command and was advised to reach out to them about using SCRA benefits which I qualify but they have denied me the opportunity to use that benefit. I reached out to all my other creditors with the same issue submitted my set of XXXX as requested and they were very helpful by placing me in the SCRA program which I have been able to manage payments. I hope something can be done to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: I 'm pursuing a loan modification, submitting all information that is required when I receive a letter stating that a foreclosure date of XXXX XXXX, XXXX had been set. I did n't understand because I was told that my file was complete and was under review. How can a foreclosure date be set when my case is still under review. It seems like dual tracking is taking place. I 've done everything they 've asked and I just want an opportunity to save my children 's and my home.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 06/13/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Incorrect information on your report

Complaint: My FHA mortgage was serviced by  Caliber  starting in  XXXX . I was having financial difficulty in  XXXX  and  XXXX  of  XXXX  and called Caliber. I spoke with someone regarding adjusting my payment. After going over financial information I was told that I could break my payments up for the next several months to get back on track. I was told that by doing this I would not damage my credit and not have any other adverse effects. I made payments to them and did get my payments back on track until I refinanced in  XXXX . I found out that they did indeed report I was 30 days late to the credit agencies  XXXX   XXXX  AFTER they told me they would not do so. I sent them a letter  XXXX  telling them I was disputing it and that it should be marked disputed. All they did was send me a copy of my loan agreement. The late payment is still listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was contacted by XXXX XXXX XXXX/XXXX License ID XXXX of loan Depot to apply for a refinance. I was told to pay the appraisal fee on a credit card and I would receive it back at closing or in the event they were unable to provide me with a loan. I submitted all my Social Security XXXX documents as well as my court ordered child support income documents, bank statements, and requested forms. They kept coming back requesting more information which I would send. I have been going through this for a couple of months. My Account Manager XXXX XXXX informed me that underwriting had suspended my application pending decline because they were n't adequately able to verify/qualify the income needed for approval. I have not received the refinance or the appraisal fee refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Struggling to pay mortgage

Complaint: Dear CFPB : Please be advised that I represent XXXX XXXX in a modification. She was issued a trial plan which she paid through XX/XX/XXXX when the lender SPS stop taking her payments. At the conclusion of the trial payment in XX/XX/XXXX, my office proceeded to call weekly from XX/XX/XXXX to XX/XX/XXXX2017 being told on 8 different phone calls that the final modification was being generated and would be mailed to XXXX XXXX. In XX/XX/XXXX we were told that there was a problem issuing final modification because someone had registered a contract on the property. XXXX XXXX had no idea who the person was. Upon further investigation, it was discovered that a investor who had previously tried to purchase the property, illegally registered a contract and failed to remove the contract of sale when the short sale was not approve by SPS. SPS was aware of the homeowners attempt to previously short sale the property. My office contacted SPS and informed them we were going to get the contract removed from the title and they informed us final modification would be issued once contract was removed. We have forwarded SPS the documentation showing contract was cancelled and now instead of issuing a final modification, they are attempting to have our client start the entire modification process again.

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 08/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: A deposit slip was filled out with my account number, name etc. and {$100.00} cash was with it to be deposited into my checking account on XXXX XXXX, 2017. The deposit was made into my account and cleared. Several days later on XXXX XXXX, 2017 an adjustment to my account was done without my consent or knowledge deducting {$100.00}. I spent many hours and phone calls trying to figure out why? None of the Bank of America representatives I spoke with could figure out what the issue was. I was given case # and reference # for each call told someone would get back to me and advise me what the issue was and no one ever did. I continued to call in with still no explanation or resolution. I received a letter stating that a posting error was made to my account but no further details were in the letter. One representative told me to go to my local branch and speak with the Bank Manager and that they would be able to resolve the matter and credit my account back the {$100.00}. Not the case after going to the local branch which I was at for three hours, the lady that was supposed to be helping me brought me to her desk called customer service on her phone handed me the phone then she grabbed her purse and lip balm and exited the bank I saw her get into her vehicle XXXX and drive off leaving me at her desk on the phone on hold. I stood up and motioned for another lady which turned out to be the Manger XXXX XXXX she was shocked at what her worker did and apologized. She was able to figure out what had happened apparently the teller that handled the deposit on XXXX 2017 realized that the person making the deposit who is also a Bank of America customer his account was in the negative so the teller made the deposit to my account as the deposit slip reflects but then she also applied the same deposit to his account as the back of the deposit slip reflects with his account number. She mentioned something about the system that Bank of America uses XXXX and that the error was discovered and that is why they took the {$100.00} back out of my account. This error was made by the teller and has caused me a great deal of inconvenience, frustration, stress and time. I have been a customer with Bank of America for over twenty years and I no longer believe in this institution after what I have gone through. I spoke with several employees and not one knew what was going on. Money was just taken out of my account and it still has not been credited back. I was informed by Bank of America representatives that once a deposit is made especially cash there is no way to go into a customers account and take it out which is what was done so I as well as the Bank of America employees were concerned and at a loss.

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 11-07-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I closed my XXXX XXXX credit card on XXXX XXXX, 2016. The credit card charged an annual fee of {$95.00} on XXXX XXXX, 2016. I contacted Chase in XXXX, and again in XXXX and was told that the fees would be refunded in full within XXXX billing cycle. I called Chase again in XXXX XXXX, 2016 and was told that Chase had changed its policy as of XXXX XXXX, 2016 to honor refund for annual fees for cancellation within 30 days. I was told inconsistent information and was left without any refund.

Company response to consumer: Closed with monetary relief