milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: I was charged {$170.00} for renewal of a credit card that I did not need or use. At the time I was cancelling the card I was led to believe that the " points '' associated with that card would remain intact for me to use for the purposes that were available ( airfare, hotels, etc ). However after the card was cancelled I found that I had forfeited all of my points. The value of these points on a " cash out '' basis would have been about {$1200.00} which clearly had I known about would not have exchanged for the {$170.00} the bank wanted to charge and which I chose not to pay. My telephone conversation with the customer service agent was recorded. At no time did he indicate to me that I was going to lose my existing balance of earned points under that card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The debt collection company MSB Municipal Services Bureau did not respond to my letter of dispute and I also requested them to validate the debt. Instead, they sent me a second notice indicating that they gave me the opportunity to dispute and there was no notification received by their office. After receiving their XXXX notice I called them at XXXX the XXXX representative was very rude and snide when speaking to me, he then put another representative on the line and he admitted that MSB did in fact receive my letter of dispute and request for validation of the debt. The representative then said that because the XXXX letter was already sent that I could no longer dispute nor did they have to validate the debt. My initial dispute and request to validate the debt was completed within the XXXX day time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle loan) with COMMERCE BANK (NM).
Issue: Taking out the loan or lease

Complaint: On XX/XX/XXXX I purchased a XXXX from XXXX XXXX in XXXX XXXX XXXX and financed it through the dealership associated Commerce Back XXXX/XXXX. Insurance verification was supplied on that day along with the current policy information which included a {$2000.00} deducible which allowed me to take possession and drive new vehicle to XXXX. On XXXX/XXXX/16 Commerce Bank sent a notice welcoming me on the loan ( XXXX XXXX ). On XXXX/XXXX/16 Commerce Bank sent a notice demanding a {$1000.00} deducible with no justification provided ( XXXX XXXX ). On XXXX/XXXX/16 I attempted to get an explanation on the phone with no success other than being bounced around between departments. The last person I talked to said they " could do as they pleased '' based on the a nebulous insurance clause in the purchase contract ( XXXX XXXX ). On XXXX/XXXX/16 I formal filed a complaint with Commerce Bank requesting a justification for the {$1000.00} deducible by XXXX/XXXX/16 ( Doc XXXX ). On XXXX/XXXX/16 Commerce Bank demanded a {$1000.00} deducible and threatened me with an {$8400.00} XXXX premium ( XXXX XXXX ). On XXXX/XXXX/16 I sent final notice to Commerce that I was taking my business elsewhere as they had failed to provide an explanation ( Doc XXXX ). 
On XXXX/XXXX/16 I received the vehicle title and a " thank you '' letter again with no explanation of their attempt to modify the deductible requirement ( Doc XXXX ). Commerce Bank appears at best to be making arbitrary and capricious requirement changes and at worst discriminating against over XXXX age customers, females, or customers living in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They described a debt from a pay-day lender, with dollar amounts and dates that did not match up with any of my bank records. 

They did not offer any documentation on the matter. 

This is not an actual debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SLS Specialized Loan Servicing, Colorado, does not apply the principal payments I make towards principal but considers it a regular payment. Then they do n't withdraw my automatic monthly payment but move it to later months. That way the company benefits from the spread and I do n't pay down my mortgage. There is no response to emailing the company through their automatic system. It is unclear all the changes they make to my mortgage. This company misleads the consumer. This is not my first complaint to SLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I  had a change in bank accounts. In   XXXX   XXXX  , I filed paperwork to have my autopay account changed to my new account. The change was never made. I called in  XXXX  and a representative told me the paperwork was received and she was unsure why it was never processed. She assured me that she would make sure it was processed. However as of this date, it has not been processed. I have had overdraft issues in the checking account that I am trying to close because   XXXX   continues to pull my payment from my old checking account. I do n't have the option of taking my business anywhere else due to the fact that it is a Federal Student Loan. All I want is to be able to continue making my payments to the appropriate checking. I think an over 4 month processing time is ridiculous considering their website states that it takes 10 days to process.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent several requests to Equifax to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is trying to collect on a debt that is n't theirs to collect and it also does n't exist. XXXX XXXX XXXX has that my mortgage is one month behind due to not paying a payment to Bank of America in XX/XX/XXXX. 

Please note, XXXX began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because Bank of America made an adjustment to the loan due to a mortgage modification. 

XXXX also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that XXXX began servicing loan. I 'm also attaching Bank of America 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which XXXX does n't show on their records. 
XXXX shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which XXXX does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the Bank of America final statement. You can also note my final payment to Bank of America which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

XXXX is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with XXXX by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to XXXX that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, XXXX 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 05-05-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: I requested an analysis on   XXXX   of my escrow account since my property was new construction when I closed in   XXXX   XXXX  . Since the property was new construction my taxes were set up using the tax amount on the unimproved value and not the improved value. I was told account analysis would be done in   XXXX   since my account has been with the servicer for less than a year. However, I was told on  XX/XX/XXXX  I could request an out-of-cycle analysis. On   XXXX   I requested the analysis and was told I had to wait until   XXXX   for my account to have an escrow analysis done. What benefit is there to me to wait until  XXXX  for my account to be analyzed and find out my payment is being increased and there is a shortage in my escrow account?

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with Receivable Recovery Services, LLC (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt was removed from my  XXXX  and  XXXX  Credit Report but still reporting to my  XXXX  report. They stated the debt was n't paid however it was paid and I received a letter stating once paid they will delete off all  XXXX  major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo holds in escrow funds to pay our taxes and insurance. They have an error in their system and have failed to pay our home property taxes and homeowners insurance. Repeated calls to both local and mortgage center are unable to resolve the problem. Wells Fargo is collecting 3 time the amount of funds due to pay the taxes and insurance. We just received a letter from Wells Fargo that states they will be raising our mortgage payment because our taxes are unpaid. When we call the mortgage service center they state they can only make a note in the file and place a work order to correct the 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 09/22/2015 about Consumer Loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (CO).
Issue: Managing the loan or lease

Complaint: Civil action was taken against me with Heights Finance. Attempting to work with them directly, the company would not answer any questions regarding the account over the phone and were extremely rude each time a call was placed. I paid off the debt completely in XXXX of 2015 and the company is still reporting to the credit bureau 's that the account is open as of XXXX XXXX 2015. I contacted them in an attempt to clear this matter and they refused to speak to me. I believe they are doing this as a form of retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On X/X/17 I spoke to chase about charges to my account that were n't authorized by me. ( XXXX XXXX XXXX {$89.00} and  XXXX - {$87.00} ) I put in a claim and they reimburse me. On X/X/17 After the investigation they gave the company back the money on ( X/XX/17 ) said they had enough proof ( the Proof was My address and Phone Number ) to claim I did order the products and there was nothing they can do and I should call the company XXXX. I told Chase this was unacceptable and this is not proof. I lost this dispute because they verified my Address and Phone number - Not proof of delivery, not a Signature Not an Email Address or Chase Rep. told me today, they could n't verify my IP Address this purchase was made from. I called the company XXXX this morning and they told me they notice I did dispute the charges and I lost the dispute and there is nothing I can do. *Attach is the proof of unauthorized funds taking from my account

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Struggling to pay your loan

Complaint: I learned about XXXX from a television advertisement and I was desperate for help after my partner XXXX XXXX   so applied for a loan online. Someone from XXXX then called me to sell me the loan. He told me how much the loan would be each month and that it might be hard for me to repay but that if I struggled with the payment I could call him back and that he would work with me to lower the payment. I started struggling with the payment right away, but when I called XXXX back to get help they refused to work with me. Now I have to choose between making rent and XXXX   payments and can't make ends meet. I was almost evicted as a result. I also don't know who I even have the loan with. I spoke with XXXX to get the loan and they are sending me payment notices and demands. But the contract they gave to me is with XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been contacted several times by a collection agency claiming to be collo citing for a payday loan from several years past. I was threatened with wage garnishment, being sued and continued, more aggressive means of collection if I did not pay the debt right away. I naively mad XXXX apartment arrangement and provided by banking information. After, I felt unsure of my decision and consulted the alleged original creditor, of which there could have been XXXX possibilities, the " collection agency '' would not identify who it was. XXXX account had been placed with a collection agency, but not the agency contacting me, and the other possible creditor had no record for me any longer. I spoke with the correct collection agency and they no longer had an outstanding account for me, it had already been cleared. I immediately went to my bank and closed the account I made the payment arrangement with. Now, that company is calling repeatedly, both my personal telephone and at my place of employment, harassing me that I will be taken to court if I do n't pay. These tactics are not used by legitimate collection companies, and these people wo n't stop, it seems. I have informed them I will not do business with them unless they provide proof of debt ( which they refuse ) and they have been informed they are not allowed to call me at my place of employment. Yet, they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, Medical Data Services has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. I would like assistance with helping them remove these unauthorized accounts from my reports.

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 09-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage loan number : XXXX To Whom It May Concern : We received a letter and a package from Chase dated XXXX XXXX, 2016. This letter addressed the application for mortgage assistance. As per our knowledge the borrowers XXXX XXXX and XXXX XXXX had not provided, not requested, not applied for a mortgage assistance. Therefore, Chase is not on any capacity to enter our loan into such program without borrowers consent. Chase and its subsidiaries are breaking the lending guidelines rules and regulations in regards to mortgage lending and assistance programs. 

The borrowers XXXX XXXX and XXXX XXXX sent a letter addressing the issues with Chase, loan servicing and escrow accounts assessed. The borrowers requested that Chase eliminate the current loan outstanding and release the lien in the property in question as a bargain of any lawsuit against Chase for malpractice and breach of contract. The borrowers had never requested mortgage assistance. 

All of these documentations will be submitted to the legal authorities if Chase does n't take the matter seriously and proceed as request for borrowers to release the lien against the property and eliminate the current loan outstanding as pay off. 

If this concern is not address within 30 days of this letter a legal matter will proceed against Chase and subsidiaries. 

Best regards, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (I do not know) with Forster & Garbus LLP (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Forster & Garbus LLP representing XXXX XXXX XXXX XXXX violated NYS Banking Usury Laws by charging 25 % interest rate on an alleged debt. The authenticity of the contract along with other documentation provided to us is in question, especially when none of them shows the actual Bill of Sale or Assignment of the original lender on the contract " XXXX '' to XXXX XXXX XXXX ( XXXX ), XXXX with the account number XXXX. There is documentation showing the said account highest balance of {$7400.00} and on our credit report there is a judgment of almost {$17000.00}. We have requested an itemized description of all debits, credits, charges, including interest rates and attorney fees but we have not gotten any documentation showing how they arrived at the final sum or any paperwork with itemized deductions or credits, etc. from " XXXX. " More importantly, they have violated the FDCPA laws by1 ) Not ceasing all collecting activities upon request for verification of debt. 
2 ) Has failed to provide an explanation of debt3 ) XXXX XXXX, a customer service representative from Forster & Garbus LLP was extremely rude on the phone when asked to explain why collection activities were still going on and we have sent a validation letter4 ) The service provided or lack thereof, resulted in additional damages to our credit, personal income and health5 ) They never initially informed us that we had a right to dispute the debt6 ) unethical collection practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX I paid off the mortgage and the check was made payable to XXXX XXXX XXXX XXXX. I have researched the property in the XXXX XXXX XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX, and was transferred to XXXX, XXXX XXXX, and XXXX XXXX. 
Note that in XXXX, XXXX XXXX and XXXX XXXX XXXX merged, and the mortgage company was renamed XXXX XXXX XXXX Mortgage. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX ) and they stated the following : XXXX XXXX XXXX was acquired by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is not part of the XXXX XXXX XXXX, XXXX. XXXX. It was acquired by XXXX XXXX XXXX , XXXX which was acquired by Chase Manhattan. Chase Home Finance is handling those loans now. ( XXXX ) XXXX. 

So I contacted Chase, and XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX Email : XXXXXXXXXXXX ), the XXXX in the Lien Release Customer Research for Chase at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that he reviewed the request provided for a release of lien on the XXXX loan for XXXX. The servicing company listed is a company that Chase can sign for. However, in order to process a release for this loan I do need some additional information. Since the loan was never assigned, the memo note giving the check number and amount paid is not enough to move forward on this matter. Please provide a copy of this cancelled check or a paid in full letter to confirm the receipt of payment. 

Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX Bank checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX Bank was acquired and is no longer in existence today.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Security breach that was not made public until a month after it happened. According to their website, my personal information was accessed.

Company response to consumer: Closed with explanation