milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2016 about Debt collection (Credit card) with Viking Client Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Greetings, My name is XXXX XXXX. I was Involuntary discharge from the XXXX because of XXXX and because of hardship I got caught in Debt. and I decided to enroll to a debt settlement program the debt settlement program paid the XXXX XXXX XXXX XXXX in the amount of {$5800.00} taken out from my XXXX payments from XXXX XXXX. I did accept the settlement offer for some reason the XXXX XXXX XXXX Bank continued to sell me to the debt collector the Viking Client Services. and they change the account number now they want me to pay {$6200.00} now I feel so stressed and I do n't know what to do.is there anything that you can help me. I will disclose the involving party their address and telephone number. 

XXXX XXXX XXXX Bank Viking Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel. # XXXX XXXX Tel. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Tel. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After my income dropped and I exhausted all my inheritance in XXXX of XXXX, I made my last payment of {$2800.00} on my first mortgage loan with Wells Fargo Bank. I then contacted their Home Loan Department to see if I would be able to apply for a loan modification. I was given a 3-month moratorium to complete the loan modification application process. I filled out a modification packages at least nine times, each time to no avail. The bank kept asking for the same information over and over again. Finally out of frustration, I contacted the legal department of the California XXXX XXXX in XXXX of XXXX. The XXXX then contacted Wells Fargo 's legal department on my behalf. Shortly thereafter, in XXXX of XXXX, a Loan Preservation Specialist situated in a local XXXX branch contract me. I filled out yet another modification package and was denied again sometime in XXXX XXXX. 

In XXXX of XXXX, another Specialist from the Recovery Care Department contacted me. I worked with this Specialist for well over a year. And in XXXX XXXX, I was denied again, because for the first time, Wells Fargo informed me that the investor holding my loan was not part of the XXXX program and because of the type of loan I had, I was not eligible for any kind of loan modification. This after a whole year of providing the same paper work over and over again and obtaining a commitment from XXXX to provide funds towards paying down my arrears! Did n't Wells Fargo know from the start what kind of loan I had? 

On XXXX XXXX, XXXX a notice of foreclosure sale was posted on my front door. A week later the sales date was canceled. On XXXX XXXX, XXXX there was another notice posted on my door with a sales date for XXXX XXXX, XXXX. That sales date was also canceled because I filed for bankruptcy on XXXX XXXX, XXXX. As part of my bankruptcy case, my attorney and I attempted to use the XXXX Program, wherein I would make provisional loan modification payments of 31 % of my gross monthly income to the bank through the chapter XXXX trustee, which I have done faithfully for the last 6 month. However, today Wells Fargo informed me that my income would have to double in order for it to grant me a loan modification. While I have no doubt that I will be able to get my income back to where it was before the recession cause my real estate sales income to drop ; I thought the government supported loan modification programs were supposed to take my income as it is today and help me find a loan modification that works for me, today.

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 03-02-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed a Chapter XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX is listed in the bankruptcy. I had XXXX accounts with them that 's been discharged. XXXX is only listing XXXX of XXXX as discharge and reporting the other XXXX debts as delinquent on my credit report. The XXXX accounts should be closed because I have n't used them since XX/XX/XXXX.I 've contacted XXXX several times about this matter with no solution. Please help. I 've turned my credit around and XXXX is maliciously hurting my chances of being a home owner! XXXX and XXXX are reporting the debts as closed and discharged through bankruptcy which is correct. Equifax is falsely report these accounts as open. Equifax and XXXX is reporting falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Payday loan debt) with Allied Collection Services, Inc. (Nevada) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Was contacted by someone from a XXXX XXXX trying to collect on a loan. When I asked for more information, they threatened to call my work. Later, I ended up seeing a {$200.00} amount on my credit report from a payday lender. This lender was not authorized to make loans in my state and I did not make the loan. I am unable to get validation for the loan or debt. This is n't even someone who does business legally in my state. 

Collection is showing as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Calls to the company get directed to a person/line that is never answered once the receptionist answers. One letter sent 45 days ago was unresponded to.

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 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: over a week ago I had sent a letter to XXXX XXXX at XXXX XXXX XXXX, XXXX, TN requesting that contact to me be made by mail only. I specified no contacting my family friends etc. On 1. ) XXXX/XXXX/15 a representative from world finance came to my home, gave my husband a confidential envelope but still 2. ) discussed my loan with him! 3. ) They also continue to call me every day sometimes XXXX a day.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In approximately XX/XX/2016, via telephone I was disputing the charges. but didn't feel listened to. I was explaining I believe some charges were from another source and disputed the overall balance. I got nowhere. I hate to think my identity was hampered with but the company reps didn't seem eager to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Debt collection (Medical) with First Federal Credit Control (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collector was informed that I can not receive phone calls at work. Continues to call my place of employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (MT).
Issue: Loan modification,collection,foreclosure

Complaint: I am having an issue with my Mortgage with Everbank. The Servicing is now with XXXX. It has also been with XXXX. The original mortgage was completed on XXXX XXXX, XXXX. I got behind in payments in late XXXX. In XXXX XXXX, I sent a payment of {$3600.00} in the form of a XXXX XXXX wire. Approximately 2 weeks later, the money was sent back to me along with a letter stating we could no longer accept payments to this account. I 'm not sure why. I was willing to make payments, but was told by EverBank to stop making them. I have been working with EverBank, XXXX, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XXXX XXXX, XXXX. The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Oportun Financial Corporation (CA).
Issue: Struggling to pay your loan

Complaint: They keep calling even after payment arrangements have been made and they demand more money than what has been agreed. The excessive calls and harrasment gets on my nerves because Im working and they keep calling day and night

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: I am writing this complaint in regard to my mortgage compa ny Nation Star. I  applie d for the HAMP ( Home Affordable Modification Program ) bac k in  XXXX   XXXX . I faxed documents and the mortgage company took more than a month to respond to me and when they did they asked for documents that I had already sent to them. This went on for more than 2 months and each time they would say, we have n't received it or this is the lat thing we need to determine your eligibility.  <P/> So in  XXXX   XXXX  I re faxed everything again along with update bank statements and pay stubs. Fast forward to  XXXX   XXXX  and they now tell me I do not quality because the program has expired in  XXXX   XXXX  and they have put me in their own in house standard modification program where it decreases my payment by $  XXXX  {$15.00} per month. This is not a modification nor what I applied for. This  is ILLEGAL and  in direct violation of RESPA as well as many state and federal banking laws.  <P/> Upon doing research and contacting friends that work in the mortgage industry, I learned that the Home Affordable Modification Program  the ( HAMP ) progra m did not expire until  XXXX   XXXX ,  XXXX , the last day to submit applications, and the Modification effective date must be on or before  XXXX   XXXX ,  XXXX . Based on these dates, I certainly qualified. Nation star is trying to take advantage of me and my situ ation. By dragging their feet, until the deadline expired and using this as an excuse not to process my HAMP request, which I know I qualify for due to my decrease in income and upside down property value.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I Was paying through XXXX and next thing i lost my job I could n't afford it? Then got a Job as a XXXX n my boss tells me I 'm getting garnish from Some Student loan I owe and this was back in XXXX and now! I 'm still paying plus getting harrassed with phone calls from Navient

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/2016, the company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) charged my Chase credit card ending in XXXX a charge of XXXX. This charge was unauthorized and I disputed this charge with Chase. However Chase ruled in the favor of the merchant and refused to credit me this amount. 

XXXX XXXX XXXX was contracted by me to perform pool resurfacing for XXXX of my properties. The contract was written that I would pay 50 % deposit, with the remaining balance due at job completion. I used my Chase credit card ending in XXXX to pay for the 50 % deposit. However I never agreed to or authorized the merchant to charge this credit card for the remaining balance. At the time of the 50 % deposit payment, I was never informed by the merchant that they would put the remaining 50 % balance on this credit card. I authorized the first payment of {$1600.00}, but not the second payment. 

After I initiated a dispute with Chase, XXXX XXXX XXXX provided paperwork that showed that the charge of {$1600.00} was manually keyed in. I was never contacted or informed of this charge. I never authorized this charge. I assumed that XXXX XXXX XXXX wrote down or kept my credit card numbers from the first charge, and keyed this in manually without my authorization or awareness. This was a shady business practice by XXXX XXXX XXXX and should not be endorsed by Chase. 

I was dissatisfied with the service provided by XXXX XXXX XXXX and disputed this charge on the basis that I never authorized the second credit card charge. Chase ignored the fact that XXXX XXXX XXXX should never stored my credit card information and charged it without my authorization, and ruled in XXXX XXXX XXXX 's favor. 

Chase, as the credit card issuer, did not protect my right when a merchant charged my card clearly without my authorization. Chase should not judge a dispute based on the language in a service contract, the quality of the service, or whether or not who needs to pay whom. That type of judgement should be reserved for courts and judges. Chase should judge a credit card dispute based on credit card rules and regulations, whether a charge is authorized by the credit card holder, and whether a merchant abide by laws when handling credit card information. 

The ideal resolution to this issue is that the money is credited back to my account because I did not authorize this charge. This type of unethical practice by XXXX XXXX XXXX should be exposed and penalized, not condoned by Chase or anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I paid for credit monitoring services with Equifax to access my report and score. The last time I was able to access my file was on XXXX XXXX, 2017. However, after I started disputing items on my file as fraudulent, I was unable to access my file. I was told that a copy of my drivers license and social security card was needed. I sent my drivers license and social security card in to verify my identity. I also called, spoke and confirmed with a personal solution representative for the product I purchased with Equifax that my driver 's license was received and verified. I have been paying for the service but not able to gain access to my credit file or score. I have been told several times that my file was escalated to another department and that the problem would be fixed in 7-10 business days and everytime I called back it was the same response " It will be escalated check back in 7-10 days ''. As of today X/X/2017, I have cancelled my service because I am unable to access my file and score that I have paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Back in the beginning ofXX/XX/XXXX both XXXX XXXX, and XXXX XXXX have been receiving harassing phone calls here at our employers phone. They know this too because the number they call is not only registered as a business, but as an employee the phone is answered in a business manner. Portfolio Recovery ruthlessly has called here twice each day. After we found out a week ago that Portfolio Recovery has called here since the beginning of the month, talked to several colleagues about both XXXX and XXXX XXXX, XXXX XXXX has spoken too, and asked Portfolio Recovery to stop calling here at our place of employment. Portfolio Recovery repeatedly calls here looking to collect on some kind of debt that both XXXX and XXXX XXXX have no Idea what debt this is in reference too. This morning XXXX XXXX asked Portfolio Recovery again to stop calling here at our place of employment. With just receiving the second call of the day from them, the calls do not stop. Portfolio Recovery has a reputation of illegal collection practices. This company should be shut down for repeated violations and offenses. XXXX and XXXX have already been included in the class action lawsuit that Portfolio Recovery chose to settle from California out of court, and yet again, Portfolio Recovery is falling back to their illegal collection practices. Please put these guys out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Two years ago I got my social security number. I went to XXXX XXXX XXXX Bank to open an account and I found out that I had already had a very good credit history. The bank employee gave me a copy of the transaction from XXXX specifying that she can not give me the name because of confidentiality. I told to her that it was impossible because I came to XXXX in XXXX and I just got my social number, and she sent me back to the social security XXXX to clarify the situation. There, they told me that it is a brand new number and I should be able to use it. So, I went back to the bank, I explained the situation and they opened an account for me. Also, I asked for credit score to XXXX and the other XXXX companies accredited by government but I could not get any. The answer was that : The social security number I gave them does not much the identification information in their database. I submitted all the information that they asked for, but they could not issue a credit report for me. In addition, I called the Social Security fraud line and reported my problem. 
As I 'm still studying and not working I did not apply for a credit or credit card in the last two years. However, today when I called to be co-applicant on gas and energy accounts with my husband, the lady on the phone told me that there is a problem with my personal information and I have to send a copy of my ID to confirm my identity. 
After this, I tried to get an annual online report but the answer was : Based on the information that you provided, we can not find a matching credit file. 
Finally, I called the Consumer Protect Bureau and I was advised to fill the complaint online in order to fix my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In late XX/XX/XXXX my wife and I changed wireless cell phone carriers from XXXX to another carrier. We agreed to pay an early termination fee of {$140.00} which we paid. 

On XX/XX/XXXX we received a collection letter from XXXX claiming we had a debt of {$140.00} to XXXX. My wife wrote to the collection agency and soon that company wrote back saying they were no longer pursuing payment on behalf of Verizon. In XX/XX/XXXX XXXX sent me a collection notice for {$140.00}. on behalf of XXXX. My wife asked them to provide validation of the debt. They wrote back to say they were no longer taking action against me. At this time XX/XX/XXXX McCarthy, Burgess , & Wolff collection agency is demanding XXXX be paid the same {$140.00} that we paid in XXXX. M, B, & W have placed an additional {$26.00} as a collection fee. I have dates and the amounts paid to XXXX for a full year and I can not find any thing that would disputes my claim, we do not owe XXXX any money for a debt that does not exist. I thank you for being a consumer financial protector and hearing my concerns. 
Respectfully, 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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: on XXXX XXXX XXXX I called Equifax to dispute a debt reported recently that was covered by my bankruptcy in XXXX XXXX. It shows the account open even though I paid it off. It also mentions my chapter XXXX bankruptcy even though it says I paid it off. I spent XXXX minutes and answered XXXX questions to verify my identity. After all of that which should have been more than sufficient, they asked me to fax them copies of my drivers license, passport, and copies of my pay stubs and my XXXX. This is unethical. I have submitted disputes with XXXX and XXXX and never before have I had such an invasion of my privacy. They only want the info to sell I already had verified m, y identity.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with Podium Mortgage Capital LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: XXXX is usurping RESPA Guideline and spending large amounts of money in marketing to the Realtor community.

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