milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I tried to use my chase credit card to purchase XXXX tkts in XXXX from XXXX tkts and my cc was denied. In fact most chase cc holders were denied due to a glitch in chase bank system. Chase is aware of it and are not willing to help their customers for their mistake. I will not bank at chase due to their lack of responsibility to fix their mistake. I do n't think a dishonest bank should be allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (CO).
Issue: Struggling to pay mortgage

Complaint: I have already complained about this company. Amerihome mortgage. They did resolve one of the payments that they had lost the fund for, but still not the other payment. We have been trying to stay in touch with this company, but have been locked out of our online account since XXXX XXXX, and every time we try to talk to someone we get hung up on. Today XXXX/XXXX/XXXX my husband called twice to once again ask for a full accounting with the debits and credits, but once again were unable to talk to anyone, just got hung up again. The thing is, we did not ask for this company, they bought our mortgage from the previous provider, whom we were happy with. Why are company 's allowed to get away with this? This is my families home, my children 's home. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I had a credit card with Chase Bank a few years back and it was a credit limit of {$20000.00} and I had a balance of {$19000.00} and change I paid it on time every month until it was paid off. I have called them several times regarding this is not showing up on my credit report at all. It should be listed on all three major credit bureaus as a positive remark. They have not tried to help me regarding this when I called last time they told me they will go ahead and put it through to all three major credit bureaus but they still have n't done so this should be something to impact my credit report because of the balance I paid off!!!! Please have them immediately update this to all three major credit bureaus. 
My ss # XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my  XXXX   XXXX  payment for the month it was declined because of the erroneous purchases. I paid best buy immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted   XXXX   XXXX   and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that   XXXX   XXXX   is acting UNREASONABLY, as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control. My account was also closed immediately following  one  delinquent payment.

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 01/28/2018 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: I own a large number of properties. ( More than 10 ) Chase services 3 loans from my portfolio. Recently all my individual property insurance polices were cancelled, by me, and replaced with a commercial policy that covers all my investment properties under one policy. As a result there is no individual amount to pay from an impound for one specific property. I pay an aggregate dollar amount to cover all properties in my portfolio. 

I kindly asked Chase to STOP paying INSURANCE from my impound account. I told them they could and should continue to impound funds and make property tax payments. 

I asked Chase by phone. I asked them in writing. 

I furthermore expressly removed any and all permission and consent for Chase to withhold money from me for the purpose of paying insurance premiums on my behalf. 

Chase has refused to honor my request. They insist on a nonsensical arbitrary withholding of my money for insurance ( I expressly FORBID AND DEMAND they do not ) I further DEMAND that they not send my money to others for the purpose of obtaining insurance. 

The behavior of Chase to this simply, reasonable, and logical request is appalling and quasi-criminal. I ask to CFPB to fine and sanction Chase. 

The three mortgage accounts involved with this request are ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: were locked out our online banking account w/o notification. KeyBank has a new webpage and did n't advise its customers. We did not receive any notification and thought the site as a phising scam site. So we did n't logged in and tried to log in again and were locked out. We tired to call and waiting twice once 25 minutes and then 20 minutes no customer service available. XXXX saturday XXXX. Called local branch and manager-XXXX ny was unaware of new webpage and also locked out of her account. We are concerned and alarmed about our money and This has caused XXXX not knowing whats going on? KeyBank has failed to advise customers of changes and customer service is unavailable to rectify my issue. KeyBank arrogance snubbing their nose at regulators and its customers is concerning and alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent Midland Funding a certified letter disputing an account on my credit report XX/XX/XXXX which they signed for XX/XX/XXXX at XXXX XXXX They did not respond to it. Therefore I sent them a second letter XX/XX/XXXX which they signed forXX/XX/XXXXat XXXX XXXX Thus making it two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by Midland Funding. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have refused and failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$1300.00} per their letter dated XX/XX/XXXX. My credit reports from all three credit bureaus show an amount of {$1300.00} listed under Midland Funding and or Midland Credit Management Inc. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the XXXX with the required disclosure, within the period required by law. Midland Funding is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period. Midland Funding is liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Upon graduation from college in XXXX, Navient told me my payment was in the $ XXXX. I called multiple times explaining how this was too much money for one month, and asked how I can lower my payments based on my income. They denied this request for a whole year. In XXXX, I was given the option for an extended repayment plan, but it was only lowered to {$560.00} a month. I made this payment for one whole year, and in XXXX of XXXX, I called and asked to lower it again due to upcoming bills such as rent so I was able to move out of my parents house. They advised me to call XX/XX/XXXX. I called back the XX/XX/XXXX, and my payment was increased to {$590.00} due to interest increasing. They told me I would not be able to lower any payment, and the {$200.00} a month I could not afford, my consigner ( my grandmother ) would have to pay it for me. Every time I called Navient, I was given different information regarding my loan status and payment options. I was always told there was nothing else I can do, I would either need to make the payment or apply for forbearance. Today, XXXX, I logged on to view my account and the loan payment was increased to {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Craccept/cac XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never authorized any of these

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 02/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Ocwen Loan Servicing , LLC . On or about XXXX XXXX, 2014 I sent a check to OCWEN. The payment, sent in the form of a check by XXXX XXXX XXXX XXXX 's ( " XXXX '' ) bill pay provider ( XXXX ), has never been applied toward XXXX XXXX 's account. However, the check cleared on XXXX XXXX, 2014. I fear that Ocwen is posting derogatory information to my credit reports and that Ocwen will erroneously begin foreclosure proceedings based on their failure to properly credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Asset Acceptance, unbeknownst to me, sued me and won a judgment by default against me this week on a debt that is 9 years old. I no longer reside at the address they have on file, which is partially incorrect as the address they disclosed lists my address as an XXXX even though it is a residence. I was not properly informed by this company of them attempting to collect a time-barred debt and only found out today when I received a notice from the county clerks office sighting an involuntary lien document recorded against me this month. This company once again is violating the FDCPA law by sueing debtors on time-barred debts and winning judgements by default against these debtors due to lack of proper notice. 

The claimant/creditor is ASSET ACCEPTANCE LLC XXXX MI. XXXX TELEPHONE- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with ECMC Group, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After pulling my credit reports on XX/XX/XXXX I discovered a collection account listed on all three bureaus ( XXXX, XXXX and XXXX ) by XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I immediately sent a certified letter to XXXX XXXX giving them official notice of dispute. I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked them to note that I was requesting " validation '' ; that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This letter was received and signed for on XX/XX/XXXX. After waiting 30 days with no response from XXXX XXXX I pulled all  three credit reports again only to discover that they had not removed the " Collections '' listings from my reports nor had they marked them as " Disputed '' as required by The Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

On XX/XX/XXXX I mailed XXXX XXXX a second certified letter which was delivered and signed for on XX/XX/XXXX. Now it has been almost another 60 days from the receipt of this second letter with no response or action taken by XXXX XXXX as required by the FDCPA and FCRA. Their failure to adhere to FDCPA and FCRA requirements and local laws is seriously damaging my credit. 

I have maintained a careful record of my communications with XXXX XXXX, letterdelivery signatures as well as time stamped credit reports that clearly document non compliance by XXXX XXXX to FDCPA/ FCRA requirements and to local laws. I will provide a copy if needed.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX, Midland Funding LLC filed a collections complaint against me. In XX/XX/XXXX, the case was closed without being heard, and I assumed nothing more would come of it. Late XXXX, I received a letter from their local representative, XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. It contained a verification of debt I had not requested, as well as a request to contact the firm to discuss the matter. I did not, and XXXX of the attorneys contacted me. I pointed out that " you ca n't squeeze blood from a turnip '' -- I am on Supplemental Security Income -- and I heard nothing more. Today, my phone listed a California number among the missed calls ; a quick lookup places it in the right area for Midland Credit Management, which Midland Funding , LLC is a subsidiary of. This is not the first time they have contacted me using untraceable burn phones, and, at this point, I would be more than happy to set up a way to record future calls to provide evidence that it is Midland. While it is n't harassment, per se, closing a case and then starting in on me out of the blue, and doing so in a way that theoretically can not be traced, does not encapsulate any sort of ethical collections practice. ( As an aside, I strongly suggest that a separate and thorough investigation be opened against Midland Credit Management and all its subsidiaries ; does a company that directs its employees to use burn phones seem like a company operating on the level? )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: The late payment occurred on XXXX 2016. I have made several calls and attempt to contact the creditor to remove the payment. Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due. Since the late payment, I have had more than 15 months of on time payments and enrolled in automatic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems Inc. is trying to collect a debt of {$840.00} on behalf of my insurance plan SSS. I have been with this insurance company for more than XXXX years now and they does not have any records about the referenced debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My identity was stolen 3 years ago. Some one opened a XXXX credit card in my name at pnc bank on XX/XX/XXXX. Money was transferred to a person by the name of XXXX XXXX XXXX from the credit card for XXXX. I called pnc bank in the beginning of XXXX ( right around the 15 ) and told them that I did not open this account. The fraud department sent me a letter on XX/XX/XXXX and had me sign it so that there could investigate this problem. On Saturday XX/XX/XXXX I received a letter from PNC Bank stating that no such inquiry was reported to the credit bureaus. I have a copy of XXXX credit alert about the inquiry. I made a police report in XXXX after I called PNC Bank about the fraud. Police report number is XXXX.From the letter I received from PNC on XX/XX/XXXX, they think I opened this account, which I did not. I am going to contact PNC again on Tuesday due to Monday being a holiday. The inquiry was from PNC Bank in XXXX Ohio on XX/XX/XXXX. I was in California at that time. I put a credit lock on my credit for all 3 bureaus on XX/XX/XXXX. I had my credit monitored by XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Mortgage (Conventional home mortgage) with Franklin Credit Management Corporation (NY).
Issue: Trouble during payment process

Complaint: I am not receiving a monthly mortgage statement from Franklin Credit.

Company response to consumer: Closed with explanation