milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with Crown Asset Management, LLC (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XXXX I received a call on my cell phone from XXXX ( XXXX XXXX ). It was marked SPAM and I ignored the call. At around XXXX XXXX EST, a collector named XXXX XXXX ( sp? ) from XXXX XXXX called my XXXXyear-old son, who is XXXX XXXX, on his cell phone while he was at work and she asked for me. He texted her information to me. I returned a call to the number above and spoke with XXXX XXXX ( sp? ) who explained that they were trying to collect a debt that they bought from Crown Asset Mgt., LLC who had acquired it from XXXX for XXXX . 

On XXXX I sent a certified Cease and Desist letter to XXXX, Their Successors and Assigns. USPS tracking # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX at XXXX XXXX EST to XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX. Eventually their calls stopped and apparently they failed to include my letter in my file when selling it to their " Successors and Assigns '' Crown Asset Mgt. and then to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with Duncan Solutions, lnc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After checking my credit report I fount a collection was made on my account for the amount of {$100.00} and was opened on XXXX XXXX, XXXX. After trying to contact the collector to dispute the charges made on my account I found the number to be unavailable. I tried to write to the company on XXXX XXXX, XXXX at Professional Account MGM XXXX XXXX XXXX. XXXX, WI XXXX and received no response. I would like this company to validate the debt under my rights by the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2017 CFPB : Bank of America/Countrywide refuses to disclose to me the information about my XXXX Mortgage Loans that it has reported under the XXXX. I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 01/15/2016 about Payday loan () with Enova International, Inc. (SC).
Issue: Charged fees or interest I didn't expect

Complaint: I mistakenly took a {$650.00} loan/payday loan which the lender describes as an installment loan on XXXX/XXXX/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (WI).
Issue: Making/receiving payments, sending money

Complaint: I have been affected by eBay not documenting fees and Paypal Credit and Bill me Later Option in not correctly documenting transactions, laundering money, including me int contractual binds and misusing my funds available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a resident in a rent stabilized LIHTC complex and subject to the requirements of the Division of Housing and Community Renewal. There were numerous violations and because of my notifying the DHCR, the attorney general and the housing authority, the landlord refused to offer me a lease renewal and chose to file a Petition for Posession of Premises ( Holdover ) In the Petition, the Petitioner also asked the Court for " rent in arrears '' In my defense, I prsented evidence that I did not owe any rent as my rent was paid to date. In the Court 's Decision, the Petitioner was awarded a Warrant for my eviction. However, the Petitioner was not successful in obtaining a Judgment for " rent arrears. '' I suspect on the ill-gotten advice of his lawyer, the landlord decided to submit the alleged unpaid rent to a collection agency in Maryland. I received a notice from the agency along with a sheet of paper of the alleged debt which was insulting. A 5th grader could have done a better job. Nonetheless, I immediately sent a certified letter disputing such debt and asked for a " validation. '' The agency basically sent me a duplicate of the 1st version of the alleged debt. It did not have the address of the alleged creditor nor an explanation of the alleged debt. First of all, the landlord and his attorney are well aware that the Court already ruled on arrears. Next, that document is fraudulent. Lastly, landlord 's attorney either is inept or he is rolling the dice in hopes by using an agency in another state ... ... ... well just maybe he can sneak this by but even if the could possibly prevail, I am XXXX years old. NO assets, and my only income is social security! 
There are other reasons I was targeted but for one reason that was the lesser of the others was that once i no longer resided in that particular apartment, that unit then became, deregulated and THAT is the lanldord 's goal to deregulate any units that are rent stabilized! t The landlord has about XXXX of these complexes so he has quite a gig.

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 07/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I HAD BEEN UNEMPLOYED AND CA N'T PAY THE DEBT OF MIDLAND CREDIT MANAGEMENT FOR THE XXXX DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Money was not available when promised

Complaint: I sold some items on Paypal. They said money would be transferred to my checking account in one business day. Today is the third day, no money has reached my checking account. I phoned them they told me there was nothing they could do. I read our Paypal user agreement to them and they told me there was nothing they could do to release the funds at this time. Here is a copy of the user agreement : " We may delay a withdrawal, in certain situations, including if we need to confirm that the withdrawal has been authorized by you or if other payments to your PayPal account have been reversed ( for example, as a result of a chargeback, bank reversal or dispute by a buyer ). Additionally, if we place a limitation on your PayPal account while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation has been lifted. '' None of the above circumstances relate to my situation in any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a house with my husband in XX/XX/XXXX. He refinanced the mortgage without my knowledge in XX/XX/XXXX. He moved out and stopped paying the loan, forcing me to make payments from early withdrawals from my IRA. I requested a XXXX from the loan servicing company for tax purposes, but was denied this on the grounds that my name is not on the note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this issue at least XXXX times. I have a closed XXXX account, that is appearing STILL on my Equifax account. It was opened in XX/XX/XXXX and reported to Equifax in XX/XX/XXXX. It is still on my account. XXXX ( XXXX ) does n't even have me in their system under my SSN. How do you prove a negative? I ca n't get a letter from XXXX as they have to generate it, Catch-XXXX, from an account to send to Equifax. It has a {$0.00} balance, but this is a classic example that the dispute process with credit bureaus is a joke. 

I will, for the XXXX time, write letters to XXXX and to Equifax. Why am I not considered innocent until proven guilty when it comes to credit bureaus? Why are they considered above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Consumer Loan (Vehicle loan) with Farrell Holdings, LLC (UT).
Issue: Problems when you are unable to pay

Complaint: I had an auto loan with Prime Acceptance and I defaulted on it. They have since sold the debt to XXXX XXXX XXXX. XXXX XXXX bureau is now collecting and has been since 2011. But Prime Acceptance is also still collecting and reporting the same debt. So they are double reporting. I have disputed it several times yet they claim it is valid. How can XXXX companies collect on the same debt and that be valid? It is not based on my research.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (DE).
Issue: Loan modification,collection,foreclosure

Complaint: My housing counselor submitted a file on XX/XX/XXXX USBANK we have not heard from the USBANK and its XXXX We received the acknowledgement they recieved the file. We have not heard from them in months. We finally contacted the lender and they staed they sent correspondence out in XXXX that they needed updated documents because some docs had aged. They did not statrt reviewing the file until XXXX which is unacceptable!!! They are not following compliance when a workout package is submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: Thursday, XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Chase numerous. I am requesting an adjustment my Slate and Freedom account with Chase. I know this request is unusual, it is ruining my good credit standing. I realize things happen and my bank account has not had a high balance like normal and my utilizations on my credit card was over the limit over a month. If you look at my records, I was always on time and keep money in my Chase account. When Chase closed my account I was sending a payment of {$3600.00}. I plan on meeting with my financial advisor to put more money into my Chase bank account before XX/XX/XXXX. 
I have kept a honest and responsible relationship with Chase and will deposit over XXXX in cash into my bank account before the end of the month. I am requesting that you all re open my Slate and Freedom account. I know this request is unusual, it is ruining my good credit. I have attached statements for all of the accounts that I am requesting to be reopened. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient/XXXX is reporting me 90 days late on XXXX loans that I had an repayment plan set up that withdrew my monthly payment automatically. I also did not know that they were reporting each one of my loans as a seperate tradeline on my credit report. One late payment made to one creditor has resulted in 4 times the credit impact, which resulted in lenders imposing higher interest rates as a result of that impact. It is also affecting my credit score making it difficult to qualify for a mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a XXXX student loan. In the process of forbearance and being sold now 3 times somehow it is charging me twice for the same loan. I have sent in my original loan. I have sent in proof of this and get no where with these people. This has caused me not to be able to buy a home the last 4 years. I have sent in multiple complaints to the companies and the different bureaus. The loan then gets moved to someone else. I am so upset with this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Initially contacted by this collection agency the later part of last year and at that time I advised them to refrain from contacting me because I spoke with XXXX and explained my situation to them. Will being making payments directly to XXXX. This agency continued to send notices that were returned to them unopened up to this date. I was notified by my monitoring service that an collection account was added and some fraudulent activity was going on so I disputed all items including an unknown collection account. I received information to show that the same collection agency added this account to my credit file AFTER I advised them 1 ) that I was paying XXXX directly on payment plan. 2 ) they still contact me AFTER I advised them to refrain from contacting me AND 3 ) they added this account to my credit file w/wrong amount. This really affects my credit badly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (I do not know) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from the credit bureau informing me that a new collection was placed on my account. I have a credit freeze and fraud alert placed only account because of identity theft. In this case there is a collection of {$100.00} dollars that is not mine placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX, I assumed ( through the VA Loan Assumption process ) the current loan. Just prior to the loan assumption process being complete, the previous owner filed for bankruptcy. Once the loan assumption process was complete, it was understood that the bankruptcy filing would not have an effect on me and would be removed from the loan due to the fact the previous owner who filed for bankruptcy was no longer on the loan nor listed on the deed. My attorney and I ( I have had to hire an attorney to try to resolve this issue ) have been in contact with the mortgage company since XX/XX/XXXX requesting that the bankruptcy status and any affiliation of such be removed as the mortgage company is/was reflecting my mortgage loan account as being in an active bankruptcy status as I have never filed for bankruptcy or ever been affiliated with any actions. The mortgage company has continuously given us the runaround, provided inaccurate information and this issue continues to go unresolved. 
To explain the attached documents is as follows : Attached documents reflect bankruptcy filing of previous owner, ongoing response reply finally in XX/XX/XXXX then followed on in XX/XX/XXXX stating that they agreed and confirmed I was not included in the bankruptcy filing and that my account would be removed from the active bankruptcy status effective XX/XX/XXXX. Upon follow-up to confirm this was removed on XX/XX/XXXX it was noted that my account was still listed in an active bankruptcy status and that no one was advised to remove this status from my account. On XX/XX/XXXX my attorney and I left a voicemail message to XXXX XXXX XXXX of Wells Fargo Customer Care and Recovery Group, advising her of the ongoing issue still requiring resolve and requesting her assistance and immediate feedback. The letter dated XX/XX/XXXX from my attorney was spawned in connection to the continued inaccurate information and lack of proper account update. On XX/XX/XXXX, Wells Fargo then mailed the attached letter which specified I was discharged from personal liability for this mortgage loan and that my loan was in default, stating I needed to bring the loan current with further language of we can not delay potential legal action, which may include foreclosure, and although you will not be personal liable for the debt, you will lose interest and rights to the property. This letter was inaccurate and quite displeasing to receive as my account was current, never late and the inaccuracies listed within the letter were abounded.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a company by the name of LVNV FUNDING, that has stated they returned the debt back to the original owner of the alleged debt, however ; the information they are reporting to the credit agencies is reflecting different information. I have tried contacting them and have used a letter that is available via the CFPB website to contact a creditor and ask them to provide validate the alleged debt. Well, they have indicated to the CFPB that they are no longer seeking this debt, yet their actions are indicating other wise and are continuing to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: My name is XXXX XXXX and I live in XXXX Texas and my home address is XXXX XXXX XXXX XXXX Texas XXXX. My email Address is XXXXXXXXXXXX. Phone number : XXXX. I fill that I am been discriminated upon on the modification of my home under Chase. My loan went under water when i lose my job and I felt behind on my payment. I when to chase for a modification under the making home affordable plan XXXX XXXX XXXX, and was giving an interest variable modification from 2 % to 4 % through out the life of the loan. After fours years of payment, i got sick and again lost my job and felt behind on my mortgage. Again i was in constant communication with chase through the process. I want to chase for a modification. I was happy that chase gave me a modification this time increasing the interest rate to 3.25 %. i was giving five day to return the paper work of which i was unable to do so because I file a complained with chase on the increase in interest rate. Chase cooperate office kept on informing me that they are conducting an investigation and that i should hold with the document until their investigation is completed. 
While i was waiting for a decision the document expired. I called chase to see if i can resubmit my document for the the modification that has already been approve under the same term and conditions. Chase refuses and ask me to reapplied again and go through. I did but chase came out with a modification that no one will sign simple because they want and are doing every thing to force me to relinquish the ownership of my house through a foreclosure. (, Documents attached ). 
i have been in my house for 15 years and i have been paying my mortgage until i lose my job. As of today, my mortgage is behind in payment. I have gone through six months trier payment with chase and have shown them the i am able to make my payment an on time.. 

The new modification is for for 40 years after living in the house for 15 years. modification approved one month apart. mod XXXX was for 26 years with a 3.25 %. Mod XXXX : with the same situation approved XXXX mother apart for the same house was for 40 years at 4 %. what happen to the first modification, the situation all same. while the different in interest rate and the increase in the terms by 14 years. is it because I am XXXX and poor or because its because is trying to force me out of my house. I have been told that if I dont accept this them, i should not expect Chase to do another modification of my loan. This is discrimination.and bullying to the worse degree. I have contacted XXXX on this issue and was pushed over like dirt. I have been through counseling for mortgage assist who gave me the information to contact your office for help. 

Please I need help

Company response to consumer: Closed with explanation