milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with Alco Capital Group, LLC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This agency/law firm/debt collector sent collection letters for an extended amount of time to the WRONG ATTORNEY IN WISCONSIN XXXX, WI. Per the XXXX XXXX XXXX XXXX XXXX, this complaint closed and the attorney was found to have made the error unintentionally. As of XX/XX/XXXX, a judgement for {$3400.00} was filed and ordered. Currently, incorrect information is listed on this case. The Wisconsin Public Records states for this case has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI as a c/o recipient to receive mail effective XX/XX/XXXX. This information is false. XXXX XXXX was not retained as my attorney for this case on that date. Neither XXXX nor I were aware of any attempt of debt collection prior to XX/XX/XXXX. XXXX XXXX XXXX, Attorney XXXX XXXX, admitted to mailing any and all collection documents to the wrong attorney. I, XXXX XXXX, was unaware of attempts for contact or collection in XX/XX/XXXX until I received solicitation letter mail from Bankruptcy Attorneys notifying me that I was being sued. Not only did this law firm send all attempts to collect debt to the wrong attorney, the county court house included the wrong address to send correspondence to after the judgement was filed. I will not receive any documents regarding a pending garnishment, nor will my attorney, since the debt collection law firm made valuable mistakes with legal documents. I was not notified in the proper amount of time to work out a repayment plan before a court date was scheduled. After the court date was ruled in favor of a garnishment, the debt collection law firm continued making mistakes when submitting information to the county clerk. As of XX/XX/XXXX, the name of the representating attorney is correct, but the wrong mailing address. This law firm should be held liable for malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Medical) with American Capital Enterprises, Inc. (HI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I told them that they are not licensed to collect a debt in my State of Hawaii. And that they should cease collection including verifying with the bureaus and removing themselves from my credit reports as they are committing a crime against a consumer by not being licensed to collect any debts in my State. They ignore the facts and continue to blemish my perfect credit with their illegal tactics. They also have failed to respond to my letters for them to validate this debt! I guess it 's because they are breaking the law.

Company response to consumer: Closed
Consumer complaint received 09/22/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a single parent XXXX income family of XXXX to include XXXX children. Back on XXXX of XXXX I requested help or assistance from Chase Bank. Due to the troubled economy I was forced to work as a substitute teacher in the state of Florida and county of XXXX. In XXXX county their substitute teachers work through a staffing agency/temporary agent. Over the summer months and off days due to holidays or XXXX days. I can apply for unemployment. Therefore, I was underemployed/unemployed due to low wages and the XXXX being shut down due to holiday and breaks. However I was approved for a unemployment loan forbearance on XXXX/XXXX/XXXX for a lower mortgage payment of {$450.00}. with a balance of XXXX accruing every month that was left unpaid. Though if I was approved for a government program how come they did not pay the difference? At the end of the program dated XXXX/XXXX/XXXX, I am still underemployed/unemployed even though I applied for jobs the entire time. I asked Chase Bank for an extension, so I reapplied and asked for help or a workout with my mortgage. I have just got word back from Chase Bank on XXXX/XXXX/XXXX stating that I am 15 months ( {$15000.00} ) behind on my mortgage and they can not offer me anything type of help other than a short sale. Now for 12 months I made a total of {$5400.00} in reduced payments, how can I be behind over {$15.00} and why or how come the {$5400.00} has not been applied to my loan. Why they can not help me, but allow someone to buy my home for an extremely low price, then put me and my children out onto the streets after for over a year I have worked and took calls from their CSA named XXXX XXXX XXXX XXXX and made my payments on time to show stability so that I can stay in my home. 
In addition I supplied them with income or wages and I was told that they could use those funds along with child support and I have recently learned that they can not use the income. Why? Does it matter if I was working for a temporary agency? I was told by XXXX XXXX that it did not matter. Only to make it known to you that they did not use the income and offered to me to sale my home as a short sale. This particular issue is related to a loan workout due to being unemployed and regaining a job to show permanency. I was placed on a government program.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I refinanced my Mortgage in XXXX. Then in XXXX HSBC bought the Mortgage. I borrowed 100 % of the value on the home, which was {$150000.00} and have been paying on this mortgage for 13 years. Because of penalties and late payments and added on interest, I still owe over {$140000.00} according to HSBC on the original loan. I have asked and requested several times for them to work with me to lower my interest rate only to be rejected by them. I recently had my home appraised and the value came back as {$130000.00}, so as result I am underwater on this Mortgage with no light at the end of the tunnel. I am currently paying a 7.125 % interest rate. Interest for XXXX XXXX is {$780.00} and principal is {$280.00} = {$1000.00} + {$160.00} ( Taxes ) = {$1200.00}. At this rate I will most likely never be able to repay the Mortgage. The original Mortgage does not show up on the reports, which I find suspicious. I feel HSBC is a predatory lender especially since they have laundered money for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a secured credit card account with XXXX XXXX and made my initial deposit of {$300.00} to secure the balance on my card. XXXX has closed my account. On my credit report is states that my last payment was XXXX XXXX, XXXX. Since then my account has been closed. I no longer continued to use the card. XXXX has continued to report that I have a balance on my account. I have spoken with representative several times about this account inquiring as to why before XXXX charged my account continued interested and then later over the limit fees was my deposit not applied to my account to balance as stated in the original agreement. They were notified to close to the account and use the secured to pay off my balance but instead they continued collection activities on this account and is now reporting that I still owe a balance and that the account is written off. How do I 1. Have a balance on a card that was secured with a deposit. 2. How are the credit bureaus still allowed my many attempts to have this account removed since they choose to not to update it appropriately because it is showing along with bad payment history as opposed to paying the balance which was below the {$300.00} at the time and then just closing my account. It closed the account showing that my credit utilization was at 152.00 %.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After checking with Equifax I was notified that my information is in the bank of information was hacked it said that my specific account information was taken including SSN etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Medical) with United Consumers Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed a complaint against United Consumers stating that these bills from XXXX were disputable and I wanted them to send the bills back to XXXX because their were details I wanted them to explain, and I did not want United Consumers to share in my medical information. Not only did XXXX share my personal information with United Consumers, they put XXXX accounts on my credit reports. This is a violation of HIPAA. I have notified the Centers for Medicare and Medicaid Services as well as the Department of Health and Human Services that is in charge of HIPAA violations.

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 08-11-2017 about Mortgage (FHA mortgage) with INTERCONTINENTAL CAPITAL GROUP (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: trying to refinance with XXXX XXXX XXXX -- XXXX -- after turning in all required paperwork and paying XXXX dollars for an appraisal on XX/XX/XXXX the company quit corresponding and was not returning my emails -- they did email a form to sign that I received my appraisal within 3 days and I did not sign it, nor did I receive my appraisal -- I have emailed XXXX different people and left messages for 2 different people -- just getting the run around -- I 'm not interested in working with this group at this point but I do want my appraisal, or my XXXX dollars back

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: been calling and trying to email for the last 3 months. My loan was bought out from XXXX XXXX by Navient. Not sure why my rate went up without my knowledge. In addition there is a promissory note not signed by me. Also, from what i see on the summary page of what i finance i over paid and am due a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: As per the last complaint and reply. I am sending more information about the reason this item should be deleted permanently regardless of who owns this debt falsely put onto my credit report ( s ). The item was deleted before and put back onto my reports. Also it is in violation of the fair credit laws as it was sent to collections a full month before they claim they sent me a letter, which I never received, about this debt. I will attach documents to show both statements are true and the item needs to be deleted permanently from my credit reports regardless of ownership of debt.

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 04/14/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We have issues paying our mortgage EVERY month with Ditech. They are not helpful in the least. We sent our mortgage payment online through our bank on XX/XX/2016. The only reason that we did n't send it by the XXXX is because we were out of town and did not have access to do so. The bank showed our payment as processed on XX/XX/2016. It is now XX/XX/2016 and Ditech still HAS NOT applied our payment to our account. It has been 10 days now since we sent it. Their customer service rep can not tell me why it has not been applied. In 2 more days we will be hit with a late fee from them. Do I have to pay my mortgage payment an entire month ahead of time for these people to process it on time? I feel like we are intentionally being set up to be hit with late fees. I was told that we could dispute the late fees by explaining our side of the matter via FAX. The issue is that we should not be hit with late fees in the first place. I think this company holds onto the payments they receive, but do not process them when they receive them. I believe they are intentionally doing this in order to hit people with late fees. If I send a FAX disputing the fees, I doubt it will do me any good, since they do n't seem to care what their customers have to say. We do not have this issue with any of our other online payments. ONLY DITECH. Someone needs to investigate this company and their manner of doing business. Personally, I am sick of this. When we have the opportunity, I am strongly urging my husband to refinance our house with a different company. I never want to have to deal with these people again. Something needs to be done to protect the consumer here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: Good morning, I have a problem with CHASE Bank. My husband and I have an account in this bank when we lived in NYork city. My husband died 4 years ago and I live now in XXXX ( XXXX ), I am XXXX. Since two years ago Im trying to get the money or cancel this account, because they didnt send me any credit card or code to operate by internet. I sended all the documents they asked me ( death certificate, the acceptance of inheritage, ... ) everything translate in english and certificate by the XXXX and notary. After two years sending me from one department to another for two years, and phoning them many times, because they dont want anything by e-mail, a month ago they said that they have lost all the original documents I already sended and they need everything again but now certificate by the XXXX notary in XXXX ( wich is not necessary according to the XXXX notary, the XXXX it shoud be enought ). They said that they will send me a letter with a list of the documents they need now but we didnt receive anything. I am phoning everyday but is impossible to talk to the person in charge of my case, I leave messages and thet dont answer. I m desperate because Im old and I need my money. I have the impression that they dont have any intention to give me a solution.Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Global Payments Check Services, Inc. (CA).
Issue: Other transaction problem

Complaint: On XXXX XXXX 2017, I authorized an electronic bank transfer from XXXX XXXX XXXX XXXX for {$300.00}. XXXX 's charged me {$4.00} for the service and they gave me {$300.00}. So, {$300.00} was taken out of my checking account. Later, I discovered on my bank statement another {$300.00} ( exactly, no service charge ) from the adjacent casino, XXXX, referencing the same bank transfer number from XXXX 's ( XXXX ). I did not request this transfer, nor did I receive {$300.00} from XXXX. I disputed the charge from my bank, and the XXXX XXXX XXXX investigation determined that it was in error or an intentional criminal act. XXXX XXXX XXXX credited my account for {$300.00} and sent me a letter memorializing the results of their investigation. Since then, however, I have gotten over a dozen phone calls and two letters from a debt collection company calling themselves Global Payments Check Services out of XXXX IL, XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX. They are demanding I pay them {$320.00} or they will ruin my credit and threaten my SS number. I told them on the phone and wrote a letter explaining that I did not authorize nor receive any money from XXXX XXXX and to stop harassing me. They have never stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 09/30/2015 about Payday loan () with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I went on line for a Payday loan Castle Payday. They advertised that it would cost {$200.00} to borrow {$600.00} a total of {$800.00}. I paid them a total of {$840.00} within 2 months. They sent me a email that they were going to take out another {$210.00}. I called them and they said that those payments ( XXXX ) were for interest only. That I still owed them {$800.00}. That is CRAZY!!! Please help me, I do n't know what to do, I cant sleep I am so worried.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America illegally transferred my loan to different lenders and banks without proper notification to me. Once I was not in a position to continue my mortgage payments, Bank of America dumped my loan on other lenders and separated my XXXX and XXXX mortgage which made it extremely difficult for me to negotiate and follow whatever crumbs which were left for a paper trail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am writing to request your assistance with a very serious issue I am experiencing with a private lender, for my graduate school loans. 

I am a XX/XX/XXXX graduate of the XXXX program at the University XXXX, XXXX. For the last XXXX years, I have been diligently making monthly payments per the terms of the loan, except for a few periods when I had to go on lender-approved forbearance ( i.e., temporarily stop making monthly payments due to financial hardship ). On XX/XX/XXXX I was laid off from my job. XXXX days after I was laid off ( XXXX XXXX ) I sent the attached letter to the company servicing the loan ( American Education Services ) to notify them of my layoff and to request a forbearance. This is exactly the process they directed me to follow in order to have my concerns heard by the lender. 

Since sending the letter on XXXX XXXX, the lender has completely ignored my written correspondence and has now sent my loan to collections. American Education Services ( again, the loan servicer hired by the lender ) states that I have exhausted all opportunities for forbearance and that they are unable to work with me on any kind of revised payment terms. Even though I have followed to a tee every instruction they have given me, the lender is simply unwilling to even acknowledge my issues, let alone discuss revised payment terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XX/XX/2015XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX Hello, I applied for a car loan with XXXX, @ XXXX in XXXX, Ohio @ XXXX. I am trying to rebuild my credit, I was turned down. The XXXX places that he tried to get me a loan sent letters to my house. XXXX was from XXXX XXXX the other from XXXX XXXX XXXX XXXX. XXXX XXXX was Insufficient Credit because I do n't have any credit cards or not made any large purchases. Experian reported to XXXX XXXX that I had XXXX Garnishments, Foreclosure, repossessions, collections or judgments. Also XXXX insufficient credit experience. If I do n't have credit experience how do I get garnishments, foreclosures and repossessions??? 
I purchase and paid for XXXX home and car over XXXX years ago, XXXX XXXX XXXX ( XXXX ) last name was mispelled. I purchase and paid for XXXX Nissan Sentra through XXXX XXXX. I have never had a Forclosure or repossesion. I had XXXX garnishments XXXX medical bill and my student loan. If I had seen that report I would not give me a loan either. 
If I stand accused I want Experian to send me my XXXX garnishments, foreclosures and repossessions. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation