milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015 I was notified that my mortgage with XXXX XXXX XXXX was being taken over by Specialized Loan Servicing , LLC. All payments after XXXX would go to SLS.I made 3 payments to them ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). Each time they delayed and harassed me about late payment. I phoned them, spent several hours talking to them trying to resolve this. Kept getting passed around. Now they have cancelled my insurance, yet collected for it in the escrow account. I responded to the first letter. Received another letter ignoring my first letter. Every time I send a letter, I send it return receipt requested so I know they have gotten them. I did not ask to do business with them, I was perfectly happy with XXXX XXXX XXXX. They should operate in an ethical and professional manner and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with PDQ Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to contact PDQ Services Inc. after discovering them on my XXXX report for a debt in the amount of {$2000.00}. I spoke with XXXX XXXX and informed him that I was not aware of the debt and had not receive any type of correspondence regarding this debt. He informed me of the address they had on file. I asked if he could send me verification of the debt. I received one piece of paper stating the amount of the debt and the original creditor which was an apartment complex by the name of XXXX XXXX. I had never rented from that apartment. so I contacted the apartments directly and they had no record of me living there. I attempted to contact PDQ Services and spoke with XXXX XXXX again advising him that I wanted a full detail validation of the debt. He refused to provide any information. He then hung up on me and has refused to take my calls or return calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with Rainier Collection Services, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just found out that XXXX XXXX XXXX sent us to collections. They said they sent us a bill in XXXX XXXX for services provided XXXX. Once they did n't hear from us they sent us straight to collections. I pulled my credit last year ( XXXX ) and I did n't see any medical collections on my report. Further, Rainier Collections NEVER sent us a letter to dispute. Then, to make matters worse, XXXX XXXX XXXX said they did n't bill our insurance as they " typically '' do n't collect that information. This is from an emergency visit to the hospital! Why would n't they bill our insurance like every other doctor that works there. The bill was {$770.00} ( that 's what they told me today ) and the collection agency is trying to collect {$1000.00}. ( 33 % ). I 'm pretty upset because if I saw this bill or had been giving the opportunity to dispute this bill ... .I would have given them my insurance information to settle the debt. ( which I did today..but now my credit is marred! ) This is not only unfair but it makes no sense to avoid billing insurance and ruining someones credit. Then the lady said that even if the insurance pays ... the collection company has the right to continue to bill me the {$250.00} they charged for collections!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: The Chase branch on XXXX XXXX in XXXX, Texas has closed all the drive thru windows with tellers and has reduced the staff inside to XXXX teller. This leads to a long line inside all the time and for those of us who are senior citizen depositors we are having a very difficult time with our banking services. The local manager is very nice and helpful but the district office has made these decisions and he has no control over this problem. This branch has larger deposits than the other branch which has XXXX times the staff. XXXX of the employees told me that some XXXX at the district or regional level made the decision to do this after they put in a large amount of automated equipment and to justify this decision they would force the depositors to use this equipment at this branch. The majority of depositors in this part of town are senior citizens and we have a great deal of difficulty with this and need a person to help us with our banking services, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX XXXX I sent a letter to this collection agency referencing an alleged debt in the amount of {$490.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in XXXX. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau. 

A fair resolution to this issue calls for the collection agency to either provide the requested documentation in it 's entirety to valid the alleged debt or, to immediately remove the item reported to all three Credit Reporting Agencies : XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: One of the addresses listed is associated to a fraud committed against me getting services from XXXX. It is : XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing statement

Complaint: I had a XXXX XXXX XXXX XXXX card, which was my primary credit card, XXXX now uses Barclays/Mastercard. Change over happened at the end of XXXX, XXXX and my XXXX Records vanished. I need my XXXX statements to do my XXXX tax return, they are unavailable for either company. I contacted Barclays in early XXXX ; they said they 'd send me hardcopies but not sign of them. I filed an extension, but I really would like to file.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Both, XXXX and Equifax report and amount of {$570.00} from XXXX XXXX. XXXX XXXX is a satellite provider. The HOA where I live ( and have lived for almost 20 years ) does not allow satellite services for the residents. If a homeowner ( such as myself ) has a satellite television disc on their property the HOA will fine us {$50.00} a day.
The only television that is allowed is cable TV. Out provider is XXXX XXXX XXXX XXXX. We pay for that as part of our monthly homeowner 's dues. So why would I pay for a satellite TV service when it is illegal for us, and then pay, on top of the monthly satellite TV service fee, and extra {$50.00} a day. Plus pay for the monthly cable TV service that we are obligated to pay anyway?
Attached is a copy of an old HOA invoice for my house from back in 2016. you can see the charges for cable TV are included in the {$410.00} fee.
This bill belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Company closed all six of my accounts with Comenity Bank. Comenity requested verification documents from me and I replied. I sent requested documents twice to the company and yet my accounts were still closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Medical debt) with BCA Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Accts # XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00} I have received your mailed in Medical Statements including PERSONAL HEALTH RECORDS of this individual. You are in direct violation of HIPPA. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XXXXXX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: theses are hard inquiries on my report.That needed to be removed.      Jc Penney Fund Suite

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 04/19/2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: JH Portfolio Debt Equities has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX Falsely reporting to my credit report {XXXX as a XXXX XXXX XXXX XXXX XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

XXXX XXXX XXXX XXXX Falsely Reporting to my credit report XXXX as a XXXX XXXX XXXX XXXX XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

XXXX XXXX XXXX XXXX Falsely Reporting {XXXX} to my credit report as a XXXX XXXX XXXX XXXX XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

-XXXX XXXX XXXX - Falsely Reporting to my credit report XXXX} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

XXXX XXXX -Falsely reporting XXXX  XXXX. Requesting that this be removed from my credit. This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX Falsely Reporting {XXXX}. Requesting this be removed from my credit report. 

-XXXX XXXX XXXX XXXX XXXX XXXX Falsely Reporting XXXX} to my credit report. I am requesting that this be removed immediately.

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 10/30/2015 about Debt collection (Non-federal student loan) with URS Holding, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received communication from Enterprise Recovery System ( ERS ) stating I owed them for a defaulted private student loan through XXXX for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. XXXX XXXX XXXX the original lender have no record of this loan and referred me to back to ERS.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against Pinnacle Credit Services. 

Pinnacle Credit Services has failed to respond to any of my dispute or debt validation letters. I have contacted them numerous times ; they are never able to provide me with any info concerning my account. I have also contacted XXXX XXXX, the Chief Operator at ( XXXX ) XXXX. XXXX XXXX never answers, also does n't respond to voicemails, most of the time his mailbox is full. My most recent debt validation attempt was on XXXX XXXX ( sent via third party agency XXXX ). As of today XXXX XXXX they have failed to respond. When contacting Pinnacle, I am always transferred to a third party agency ( XXXX XXXX XXXX XXXX XXXX ), and never acknowledged directly by them, they are very rude, and always transfer me before I can even inquire about my account. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Pinnacle Credit Services to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 05/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Transaction issue

Complaint: I recently opened an Amex Gold card and went through the general process of application to receiving the card no problem. I then had a few transactions in the city of of residency for very low amounts and found out that my card ended up not being able to swipe on the third or fourth transaction. I called in to inquire why and was told that they could not give me more information because they would contact me on the number on file for security reasons and also told me that they had given me a call. Both of these things I 'm certain did n't happen so I went online and checked my number and it was correct. Amex had me open a new line then failed to provide reasonable stated services and blocked my account. Now when I call in, the wait times on their fraud department is over XXXX minutes ( still on hold right now waiting for a representative ). I will fail to receive my early spend bonus if they keep me blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (ID).
Issue: Money was not available when promised

Complaint: I've deposited {$2000.00} into an account on Coinbase. Two weeks ago I was logging into my account and I wasn't able to log in. I submitted a service ticket. Since then I've submitted close to 50 emails, blog posts and made multiple phone calls. The only thing I've received from them are automated email messages and their phone representatives tell me that the issue has been escalated. I have no visibility to my funds and can not remove them from the market. I've spent countless hours trying to find a way to get their attention only to find thousands of more people that are having similar issues. Coinbase took my money and has charged me plenty fees and now are keeping from my funds. People need to know about this before they invest their hard earned money. The emotional toll that this has taken on me has been severe.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: It is on my credit when it should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage is currently engaging in dual tracking and their foreclosure law firm XXXX XXXX, XXXX is attempting to foreclose using a robo-signed Assignment of Mortgage. I have provided XXXX XXXX, XXXX and Nationstar Mortgage with the evidence of fraud. The Assignment of Mortgage in this action was executed on XXXX XXXX, 2013 and recorded/filed on XXXX XXXX, 2013 was robo-signed by serial robo-signers XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed this a few times with equaifax. They come back every time saying VERIFIED. Show me proof for once! I have called the courthouse and they said i do not have a recorded judgment and that equifax has NEVER called them ever. 

They are lieing. How can you let this happen. They must remove the judgment from XXXX they have XXXX file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CREDIT PROTECTION ASSOC did not provide adequate verification for debt question. No documents were provided showing a contract or a signature

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 04/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i was a victim of identity theft and continue to dispute my report and there refusing to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with Daniels Norelli Scully & Cecere, P.C. (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Debt collecter removed, and caused to be removed ; monies from my bank account, under pretext of a levy which was not recorded or executed by the XXXX of XXXX XXXX ; XXXX XXXX in which I reside. Bank refused to provide me with copies of papers served on them, so I personally checked with the office of the XXXX of XXXX XXXX ; where I was assured that they have no record of any levy or execution upon any bank account owned by me. This is as of today XXXX XXXX, XXXX, the monies were removed on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2015 my son XXXX received a check from Social Security for a settlement on his XXXX claim, since he has no income he does not have a checking account.The plan was to deposit his check in my account and start a new account at another bank. He endorsed the check and i did too, i then deposited the check in the atm at the bank. This procedure take until the next day for the check to clear.I was aware of this and when i looked at my account on XX/XX/2015 there was no deposit and a note was attached to the deposit.I then called the banks help line, where i was given XXXX different excuses why they did n't deposit the check. the first excuse was that my son was not on my account, the second was a teller did not witness him signing the check! This flies in the face of the banks trying the customer to use as many electronic devices as possible. I 'm XXXX years old as of today a veteran who served his country and that was how i was taught how you deal with checks that was before the internet and to big to fail! the lack of this money has caused severe hardship on my family, we are out of food and need to pay our bills! It is my contention that wells fargo acted in bad faith and should be justly punished!

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