milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage rated was fixed for ten years, then went to a variable rate. The last fixed rate payment was due and paid XX/XX/2016. The loan was originally through XXXX, but after many changes is now with SLS Servicing. When SLS changed my rate, effective XX/XX/2016 they dropped it two points, from 6.625 % to 4.625 %. They told me the new rate, per my contract, is the LIBOR ( then 1.55011 % ) plus the index ( then 2.75 % ) for a rate of 4.30011 %. So I asked why I was getting a new rate of 4.625 %, which is obviously more than the formula they gave me. They said the rate, per my contract, ca n't change more the 2 % per year, and sent me a copy. But this is what the original contract says : on page XXXX, section XXXX, section ( D ) Limits on Interest Rate Changes : [ The interest rate I am required to pay at the first Change Date will not be greater then 11.625 % or less than 2.750 %. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more then 2.000 percentage points from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 11.625 % ] To me this clearly says that when we first go from fixed to variable at the end of ten years the new rate can be anywhere from 11.625 % down to 2.750 %. That 's why those figures are mentioned specifically. After that ( hence the word 'thereafter ' ) the rate will change yearly, but not more than 2 %. I have since written to them four times and called three times ( it is often impossible to get through on the phone ), but they insist that my rate ca n't change more than 2 %. I 've asked why the range of 11.625 % to 2.750 % is spelled out for the initial change then, and what the 'thereafter ' means, but they just insist they are right and I am wrong. Today on the phone they literally said they just wo n't change it, regardless of what my contract says.

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 10/22/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested validation upon receiving notice but the letter was lost in transit. Which I will attach proof of that. So I sent a new letter which they signed for and never responded. They continue to report the debt without validation which is illegal under 809 ( b ) of 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 12/22/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: A collection company named XXXX XXXX, called my place of work to attempt to collect previous balance owe on rental move out. I have disputed the amount of {$170.00} with property manager as that should have covered it from the security deposit. There were fees added that did not add up and now sent me to collection. This is highway robbery and not right.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawful add inquiry to my report

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 09/28/2016 about Mortgage (VA mortgage) with PACIFIC RESIDENTIAL MORTGAGE (OR).
Issue: Application, originator, mortgage broker

Complaint: During this long and arduous process, Pacific Residential Mortgage Company was rude and descriminating towards my service-connected XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has an account named XXXX on my credit report twice and I am in no way affiliated with this account. I have requested proof of debt from this company on several occasions and have received no response. I did not receive this and I did not sign for it. I would like this account removed from my credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was approved by the XXXX for XXXX XXXX discharging my student loan on XXXX/XXXX/2016. My loan is total {$29000.00}. According to Nelnet who sent me the correspondence asked me to review the student loans that they have on file and check with Navient who XXXX XXXX transferred the loans to them to make sure they have all the loans. I did contacted XXXX and spoke with a representative and was told Nelnet was given all of the loans which is {$29000.00}. Nelnet told me that they will communicate with me. I went on my account for Nelnet and saw another company I am not familiar with XXXX

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This week ( XXXX/XXXX/2017 ), Equifax disclosed a security breach in which 143 million US customers of the agency had their personal information taken. I checked on https : //www.equifaxsecurity2017.com and the site alerted me that my personal information may have been impacted by this incident. This amounts to improper use of my personal data by having it disclosed to 3rd parties without my consent ( even if Equifax is a victim in this case as well XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with CITIBANK, N.A. (RI).
Issue: Rewards

Complaint: I was unhappy with the service provided by my credit card company. As a result, I cancelled the card. Immediately after, the company prevented me from using " thank you points '' that had been acrued on the account. Repeated calls were unable to rectify the situation. 

Company : ATT Universal Card CITI

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 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Tormey Bewley Corporation (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: sent payments for account with the collection agency and demanded written proof of the account being cleared and paid along with written proof being reported to all 3 credit bureaus. conversed by phone and written letters and was promised documentation via phone XXXX/XXXX/15. since then 2 additional letters were sent and the last certified mail and demanded written confirmation within 7 business day after receipt. i have received nothing to date. copies of cancelled check available.

Company response to consumer: Closed
Consumer complaint received 06-08-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Cavalry SPV, LLC continues to call my cell phone many times, So much so I had to block them. They would at first not tell me who they were, ask me for personal information and when I refused to give it would tell me that they could not tell me anything more. I got someone to finally tell me what the name of the company was. At that point I stated I do not know who they are, have not accounts with them and to stop calling. I then blocked them.
I then started to receive statements saying I owed them money. Do n't know who these folks are. and when called I get " what is your name and social security number '', Sorry, I do n't know them, so nope.
I look at my credit report, they are reporting I owe them.
I get a letter from an XXXX XXXX XXXX, stating they are contacting me on behalf of Cavalry. I send a letter back asking for proof of the debt to Cavalry. ( XX/XX/XXXX ). The response letter (XX/XX/XXXX ) shows oldXX/XX/XXXX statements from XXXX, along with a generic sale slip of who knows what, as my name is no where on it. And any possible telling information is blacked out.XX/XX/XXXX- I call XXXX to ask about any accounts I have with them. I am told that I need to call an 800 number. I tell the lady that if the account was with them why could n't they tell me, or connect me to someone. Or does it show they closed the account? sold the account? anything? she said she can not see it. I ask to please be transferred to someone who has access to that information. I get sent to an account manager. The manager then tells me she sees nothing under my SSN or name. That I have no debt with them. I ask about in collections. She tells me that she would see if they had any collections activity in the file, and she sees nothing. I ask how I can prove this, did they have a paper they can send me? no. since I have no accounts she ca n't send anything.
And I should check my credit report to see I have not reports from XXXX. I do, and see Cavalry has a collections against me, prompting me to check the county courts. I see now I have a court date, that I have not been made aware of coming up. I will dispute this in court now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loan was closed due to my XXXX XXXX   XXXX from the Veterans Administration. I was forced to take all three credit bureaus to court. TransUnion is still reporting incorrectly. I am being reported as a XXXX status showing collateral debt, which is incorrect. There is no collateral ever used. I have contacted both the XXXX XXXX XXXX and Transunion to correct. The XXXX XXXX XXXX states that it is Transunion reporting incorrectly. My attorney has advised me to submit here to start the `` Trail of paperwork '' to show attempts to correct.

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 09/18/2015 about Prepaid card (Mobile wallet) with Google Compare Credit Cards Inc. (CA).
Issue: Adding money

Complaint: The Google Wallet iOS application said I would have " access to my funds within minutes '' on the transfer screen. After I hit submit, it said I would n't have access for 5 days. It did n't give me the option to cancel. An email inquiry that followed said it would take XXXX hours to receive a response. No other way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Consumer Loan (Vehicle lease) with Byrider Franchising, LLC (AL).
Issue: Problems when you are unable to pay

Complaint: This account was including in a chapter XXXX bankruptcy in XX/XX/XXXX and was discharge in XX/XX/XXXX. They repossession the car and sold it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Credit card) with Northstar Location Services, LLC (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: NorthStar Location Services , LLC has been contacting me nonstop. It 's for a debt they claim I owe from a credit card company. They did not validate the debt, they have called me when I sent a letter to tell them to stop, and they said that legal action will be involved. This is ridiculous. They are using illegal practices on me and it is unfair and unethical. This debt collection company has gone out of bounds and NEEDS TO BE INVESTIGATED ASAP! They ca n't prove I owe the debt, they ignored my letter that told them to not contact, email, mail, call, text me at anytime. All they can say is " we have no record of that ''. You do n't keep records because you are a unethical company. CFPB needs to investigate this company for debt collection practices. 

I have no money or assets for you to take from me. I do n't believe i owe this debt and I am tired of being harassed.

Company response to consumer: Closed
Consumer complaint received 10-08-2017 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: Account status incorrect

Complaint: I just received an update on my transunion credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

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 04-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX hard inquiries on my transunion credit report that either are not mine or I did not authorize. They are for XXXX XXXX and XXXX. They are affecting my credit negatively are need to be removed. They were not done by me and the issue needs to resolved immediately before I am forced to take further actions.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing provider ( Shellpoint ) transferred my mortgage to another service provider ( XXXX ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because Shellpoint had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( XXXX ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with XXXX that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called Shellpoint and they informed me that they are not my service provider anymore and they referred me to XXXX. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. When asked why they did not call me both service providers did n't provide an explanation. I still do n't understand why Shellpoint never tried to call me while they continued to receive my mortgage payments several months after the service transfer. 

I immediately settled my balance with XXXX as they were very adamant about the outstanding balance. Working with the XXXX service providers and all three credit bureaus is very stressful and frustrating as it all could have been avoided. As of today I am still waiting for Shellpoint to reimburse me for three months of mortgage payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I WAS A VICTIM OF ID THEFT AND THE ACCOUNT WAS OVERDRAWN I WAS NOTIFIED BY CHASE BANK TO PAY THE FUNDS WITH SECURE MEANS IN WHICH I DID I WAS THEN TOLD TO WAIT FOR 6 MONTHS APPROXIMATELY AGAIN IN WHICH I DID I WAS ABLE TO REOPEN THE ACCOUNT AND NOW ITS CLOSED THE ACCOUNT NEVER WENT BELOW NO BOUNCED CHECKS NOTHING ADVERSE. MY ACCOUNT WAS CLOSED THEY TOLD ME THEY DONT NEED TO TELL ME WHY AND I CAN NOT REOPEN MY ACCOUNT ... ... I WANT TO KNOW WHY I WAS TOLD TO FILE POLICE REPORTS IN REGARDS TO THE ID THEFT SUBMITTED THEM AND NOW THIS PLEASE PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have changed my phone company and internet service from time warner to XXXX XXXX XXXX the internet was disconnected first and I went to the time warner office to turn in my internet modem they would not take it, " they said the whole service had to be disconnected before anything was turned in ''. I did not get a reference number saying I was trying to turn it in. 
All I have a new bill of when my new service was connected. I received a very large bill and made a phone call to the company and told them it was not right. I would a proper bill for what I really owe from my previous service. They assured me they would take care of it and send me one. That did not happen. 
Nothing was received from them, until a collection agency sent me emails trying to collect and not sure if that is proper to send that to my business email. 

I responded back and they informed me I did not cancel in time, which I did try and the company would not let me. This was verbal I guess I need a reference number for all conversations now? 

XXXX XXXX of XXXX is when the new service was connected for the phone lines. XXXX XXXX is when the fax line was installed and when I tried to being the modem back. 
I am getting charged for service stopping XXXX XXXX that is a month of service not used and going to collection to boot. 

Even my phone calls and many attempts to bring the modem back on my lunch hour did not work. 

There was a sign on the door closed for lunch. So I called 2 times, and finally called again they finally came and took the equipment. On XXXX XXXX. There was no contract with time warner.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: They refuse to allow a deferment after I submit documentation. They keep reporting late payments to the credit bureau. They are listed on my credit report several times and refuse to delete multiple accounts.

Company response to consumer: Closed with explanation