milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with Machol & Johannes, LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named XXXX XXXX had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who XXXX is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our XXXX XXXX, thirteen years later, I am now being harassed by Machol & Johannes, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, Machol & Johannes is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: I ordered XXXX engines from XXXX XXXX for {$4000.00} on XXXX/XXXX/15. He instructed me tosend money through Paypal and to select the send money feature andnot the goods and services. I sent the money as instructed. The sellerdelayed the shipping and finally sent " the engines ''. When I received themThey were unusable junk. I tried to contact him to arrange shipping themback and he quit responding to me. I then contacted paypal as they offerprotection for their buyers. I spoke to the dispute department and was toldthat my dispute would have been an easier dispute if I had selected goodsand services but assured me that it was still disputable. I filed a disputeon XXXX/XXXX/15 with Paypal. The case was opened and the notes show thatthey reach out to the seller. The seller never did respond. On XXXX/XXXX/15 Ireceived notification that I lost the dispute. I reopened the case on XX/XX/2015Paypal again reached out to the seller and were unable to reach him. 
They then sent me an email that I lost the dispute again. I asked them for a detailed explanation as to why I lost the case if they had been unable to reach theseller. Their response was because I selected send money instead ofgoods and services that it became an undisputable transaction. This wasnot what was told to me and if you pull the transaction details it states onthe transaction that it is disputable. In addition to that if it was a nondisputable transaction why did they open the dispute case twice? It hasbeen brought to my attention that this seller has done this before throughPaypal and the are basically using Paypal to scam people. Paypal has beenmade aware of this and has done nothing to correct the issue. In fact theseller is still allowed to use the Paypal site. I would like to get my moneyback for this obvious scam that Paypal is allowing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Closing/Cancelling account

Complaint: I contacted Syncrony Financial over the XXXX to close a Care Credit account. I spoke with a customer service rep and confirmed several times that the care credit account was paid in full and would be closed. It turns out Syncrony did not close my Care Credit account and recently sent me a new plastic card. I just called and the customer service rep told me an account related to a mattress purchase was closed. The last activity on this mattress account had occurred in 2009 and should have been closed at that time following a phone call I had made to close the account. It seems Syncrony is not closing accounts as requested.

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 11-10-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a FHA loan through Freedom Mortgage. 
XXXX XXXX Cooperate office is XXXX XXXX XXXX XXXX, XXXX XXXX The office I am dealing with : Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Work : XXXX ext. XXXX Fax : XXXX Freedom Mortgage is hounding me on my F.H.A. loan. 
Starting XX/XX/XXXX the letters and phone calls became two and three times a week to refinance. 
XXXX of XXXX was a particularly pushy call ; I went around with this man explaining to him that XX/XX/XXXX the PMI would drop off my loan as I fell under the lock time for a permanent payment of the PMI. 
Since this call the letters and calls have changed and it seems the worth of my home has changed and then my monthly payments are not showing up ( Since XX/XX/XXXX I have had no problems ). 
This has all exacerbated to the point and many arguments and hours on the phone with them, the last call was quite interesting as I was informed that XXXX XXXX was my mortgage provider not Freedom Mortgage, they finally admitted that XXXX XXXX was their XXXX. I was also informed that the reason I will never be able to drop the PMI was there was no appraisal on my property! 
When freedom Mortgage took over my FHA loan the program they used was if the last appraisal was within 2 years they would sue that one which is for XXXX. They are using my original loan amount OF XXXX. 
Freedom is trying to defraud me with forcing late payments, no appraisal, and Enormous escrow " adjustments ''! 
They agreed to send me the recordings and the paper work that they are using to compare the paper work That I have so I started recording the conversations, this has been nothing but a XXXX Situation as I have been a homeowner since XX/XX/XXXX and have never missed nor been late on my house payments. 
Would you please look into this for 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 05/14/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX woman, XXXX years old and XXXX. I have been trying to get my home modified since XX/XX/XXXX. I had zero luck and it was very hard for me to get around my house to fax all the documents they had always requested over and over. I am in a wheelchair and live alone ; I have to wait for my son or daughter to come home from work and help me, if they were not too tired. I did everything my lender they had asked me. On XXXX/XXXX/XXXX, my lender, Selene Finance, denied my loan modification request stating that I had " insufficient income to support a modified payment ''. They calculated my income much too low and wrong, about {$1700.00} too low! They did n't give me time to appeal this - they instead sold my house at foreclosure auction on XX/XX/XXXX. I had no time to tell anyone what they calculated was completely wrong. This is a violation of the rules, how can they calculate whatever they want, deny it and then sell a house without me having time to correct them to get on the same page! I could not believe it ; this was another punch in the face. I am formally requesting a rescission of the foreclosure and a FAIR review of my case, they did not give me 30 days after they made the determination of my income for an appeal. They denied me and sold my house 6 days later ( 2 of those days being a weekend ). I will also be escalating this to the FHFA and to the CT attorney general. Also have tried calling numerous times to Selene Finance 's foreclosure attorney XXXX XXXX, a ruthless law firm who is know to be very agressive and ignore homeowners and their advocates. They also did not answer my counselor 's calls after my house was sold. This house is all I have and they calculated my income however they wanted to be able to deny my application and sell my house days later. No appeal time, no call back, foreclosure attorney ignores me completely. They sent a contracted realtor snooping around my house every few months ( XXXX XXXX ), whom would scare my tenants and berate me telling me I am going to lose the house anyway ( I will deal with that as a separate issue ). She also told my tenants to hand over their security deposits directly to her because I was in foreclosure. Again, a separate matter but she stated she was contracted by my lender. Somebody needs to make this right before time runs out and I am going to the government with this matter. I am tired of being ignored because I am elderly and in a wheelchair. I have been taken advantage of for too long. This is all a severe injustice and must be remedied. You have my full permission to speak with the counselors at XXXX XXXX. To Selene Finance : DO NOT close my case stating that you do not have authorization, because I am attaching it again and they have already been working on this case for 1 year so there is no excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I have been overdrawn in my checking account, due to company errors, for making a withdrawl against my authorization. I have been working with the branch manager to correct the problems, however, the collections department continues to harass me, and call me XXXX times per day, and hand up. I have advised that I am working with the bank to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (CA).
Issue: Settlement process and costs

Complaint: I am selling my home with an FHA mortgage. I have never defaulted on the loan and, as far as I 'm aware, all MIP payments were submitted from my escrow account on time. The closing date for the loan is XXXX/XXXX/XXXX ; I have made the XXXX payment on my loan. The MIP asked for in the payoff docs were {$530.00} My MIP monthly amount is {$270.00} so it is not quite two monthly payments. I was confused by this amount so I called the loan services. When I spoke with a loan counselor she said I was to pay one month MIP in arrears to make up for not paying on the mortgage for the month after funding. One month made sense until I looked at the XXXX closing docs for the loan. In it, two months of MIP reserves were collected at closing. Now the entire amount seems unwarranted - in fact I may be owed one month 's worth of the premium. I called the HUD line for clarification and they did say the lender was not to be charging MIP on the interest in arrears. I called my loan servicing company and requested to speak with a supervisor ; was only able to leave a voicemail and that person has yet to return my call. 

In a separate issue, I 'm being asked to pay one more month of interest " in arrears ''. It is the regular current interest payment on my loan and this seems right but I wanted reassurance from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I Looked up my credit report and found an account that i did not know about or received letters to my address From Portfolio Recovery. The account dates back from XX/XX/2014 As i did not have any credit card open. This is an identity theft under my Social Security Number. I was not contacted by Portfolio Recovery and i was not mailed about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hello, I applied for and received a XXXX XXXX XXXX XXXX XXXX credit card. Although I fulfilled the spending requirements the Barclays did not provided the promised rewards. I complained both over the phone and then in writing, on X/XX/2017, please see attached scanned documents. This attachment includes : 1 ) my written complaint to Barclay, which details the rewards received, versus the rewards promised, 2 ) a copy of the XXXX XXXX XXXX XXXX offer, which supports my request, and 3 ) the answer received from Barclays, which just states We are currently unable to complete your request. This is unacceptable, Barclays should complain with its own offer!
Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO 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 non-monetary relief
Consumer complaint received 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Todd, Bremer & Lawson, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt collector does not hold a current surety bond registered with the XXXX Of Texas. Debt collector was notified on XX/XX/XXXX, via email and certified return receipt requested through the USPS. Was asked to validate debt and until debt could be validated, asked to remove the debt from my credit report immediately. Debt collector has not responded via mail or email and is in direct violation of willful non compliance according to the FCRA and has violated the FDCPA by not validating debt and is subject to possible litigation to seek relief from violating these acts. Each independent violation is subject to a {$1000.00} fine, payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Payday loan, title loan, or personal loan (Installment loan) with Special Financing Company, LLC (CA).
Issue: Problem when making payments

Complaint: I obtained a loan for a XXXX XXXX XXXX XXXX from my XXXX so that I can attempt to XXXX. The loan amount was paid directly to the doctor however after having an XXXX XXXX it was discovered that the XXXX were never removed meaning although I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  therefore, I am requesting to no longer be obligated for the loan I obtained and that the loan company retrieve payment from the Doctor Who they paid to complete the procedure. ( XXXX XXXX XXXX ) no one at the medical facility is contacting me back and no one that at XXXX XXXX XXXX is attempting to resolve the issue or contact me back either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I borrowed loans from sallie Mae to attend school at XXXX XXXX University with out knowing that each seperate loan would be due for repayment at the same time. I thought it would be a consolidated loan that would be in XXXX manageable payment each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I currently carry a student loan, which was originated through XXXX ( educator ) student loan services. In approximately XX/XX/XXXX of this year the loan was sold by educap to American education services ( AES ). I was informed via email of these changes and was informed that all auto enrolled payments would be transferred over to AES 's payment system. Several months passed with my automatic payment being deducted as usual on the XX/XX/XXXX of each month. Approximately XXXX months following the transition I started receiving a tirade of XXXX phone calls and emails relating that my account was delinquent and that payment was needed in order to avoid a derogatory credit report. I reviewed my bank statement and verified that the payments were indeed being processed. I was greeted only moments later by AES at which time I spoke to a representative. I informed the representative of my situation and he related that XXXX was still receiving my payments and that until the payment transferred to them ( AES ) the collection phone calls and emails would continue. I expressed my strong disapproval with this practice, concidering I had done nothing but make my payments on time. In the end there was no resolve to my problem and to this day I receive approximately XXXX phone calls a day from AES. My bank statements prove that the payments have been made on time every month and further more the last XXXX payments have been processed by AES. It is unfair and unethical for me to haggle with creditors everyday for a problem that clearly lyes on the shoulders of AES. I feel harassed, abused, and have spent countless hours of my time and effort in this matter and am seeking resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Managing, opening, or closing account

Complaint: On XXXX XXXX, 2015 my American Express Bluebird prepaid card was locked and suspended, citing violation of member agreement section XXXX, with {$540.00} in deposits still in the account. After repeated calls to request my deposits be returned, AmericanExpress phone agents tell me the deposits can not be released until an investigation closes. They tell me that there is no knowledge of when this may conclude. I have waited more than 60 days for the funds. It seems that they may hold my deposited funds indefinitely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: I have been a  XXXX  customer for nearly a decade and have always paid on time. I have an excellent credit history and rating. I paid my last payment to  XXXX  for the month of  XXXX . Approximately 30 days ago I was notified that my mortgage was sold to  Nationstar. Nationstar t hen proceeded to bill me for the month of  XXXX . I called them and explained the issue and they ultimately confirmed that it was their error and that  XXXX  was received by  XXXX  and transferred t o Nationstar. I t hen asked for an amortization schedule so I can confirm that this was corrected and any possible other errors might not exist, so I would know that my mortgage was in good status. They informed me that this standard loan report was not something they supplied. How can I possibly know if my mortgage is now correct without simple data such as this? I was then transferred to a supervisor,  XXXX   XXXX , who told me she would attempt to obta in one, which she ne ver followed thru. After sending several emails to her, she then provided me with a fraudulent amortization schedule she appeared to produce thru a generic software. I responded and at this point included her supervisor,  XXXX   XXXX , in the  email trail. Her supe rvisor has never responded. She however did respond that because I threatened legal action, which I did not except to state that I would be filing a complaint with NYS, she would no longer respond and I was being passed off to the customer relations department. I attempted to call this department to try and get this settled and was told by customer service that phone calls were not permitted and I had to write a letter. My payment for  XXXX  is coming due. I 've never been late on my mortgage payment ever! They have been completely uncooperative. They will not supply a standard amortization report that the entire industry provides and utilizes. Finally, they provided me with a fraudulent document in an attempt to resolve this matter. Can you assist? Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (FL).
Issue: Struggling to pay your loan

Complaint: My main concern is that I 've been told that this loan is actually illegal in my state. I still plan on paying it off, but if these loans are illegal in my state they should n't be able to offer them. I 'm struggling to pay it off but I 'll figure it out I guess.

Company response to consumer: Closed with explanation