milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Debt collection (Payday loan debt) with Debt Management Partners LLC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for XXXX XXXX, she stated that XXXX XXXX has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from XXXX XXXX or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that XXXX XXXX did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law XXXX XXXX does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called XXXX XXXX head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (TN).
Issue: Unauthorized transactions/trans. issues

Complaint: I attempted to use XXXX Gift Cards : ( XXXX ) XXXX ( 2 ) XXXX XXXX 3 XXXX XXXX valued at {$500.00}, {$500.00}, and {$42.00} remaining from a {$200.00} gift card at a XXXX on XXXX XXXX, 2016 ( Ref # 's XXXX ). All XXXX rang up as unauthorized. I was told it was a glitch in the system and that the money should have still been left on the cards. I then called the number on the back of the card and was told that the cards had been charged by XXXX when in reality they all XXXX came up as unauthorized and not used. I was told to fill out a form and wait XXXX to 90 days. I ca n't wait XXXX to 90 days to have {$1000.00} be placed back on the cards. This was not my fault and I would like immediate action in having this cards replaced or the money being placed back on them. These cards are backed by XXXX and distributed by Gift Card Mall/Blackhawk Network California

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble during payment process

Complaint: I have a Chase account XXXX. The principle balance on the account has been {$XXXX} sinceXX/XX/XXXX. I submitted payment since XXXX for the XXXX payment of {$XXXX} over the p/b amount. I have contacted the company several times asking to please apply my payment to payoff the account p/balance. several weeks past, then months, I reached mortgage again, in XXXX, XXXX and now in XXXX. I was finally informed they refuse to process my unapplied funds to the p/b and payoff the account, yet they continue to report on XXXX, XXXX 20/60/90 days delinquencies. I have written in XXXX, and XXXX to executive complaints with no response to please payoff my loan with the unapplied funds, close the account, correct my credit reporting for the pas 4 months bad and negative reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2016 about Debt collection (Credit card) with The Best Service Co.,Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My CFPB complaint on XXXX/XXXX/2016 was not resolved this business stated they will send me validation of debt, we are now XXXX/XXXX/16 and I have yet to receive any information. In my last complaint the business stated that I have been inconsistent with my complaint because I disputed with the credit report agency 's that the account is not mine and now I want Validation of debt. Obliviously if the company keeps trying to collect even after my dispute the persons who the account is affecting will ask for validation of debt, so i do n't see the inconstancy here? Their response says I was sent numerous letter which is FALSE! How can I send a timely request for verification or validation, When I have never received a letter, I noticed the company on my reports. The business also failed to address the phone call to me that went against The Fair Debt Collection Practices Act saying he is in the process of suing me and filed documents with the XXXX court, and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15. The business also failed to address the inconsistent information that has been reported to my credit files with different balances owed and dates given.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Other debt) with RGS Financial, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: RGS Financial/ XXXX XXXX is reporting that I owe {$560.00} for a cable bill. I have no knowledge of this account nor do I know who opened this account. I have attempted to communicate with the collection agency and they are not compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] RGS Financial has failed to provide a copy of any alleged contract or other instrument bearing my  signature will result in a small claims action against your company. Legally I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I have only received a copy of a computer  print out that reflects an account and XXXX XXXX 's database. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I made a payment on XXXX XXXX of XXXX to chase XXXX XXXX XXXX I was reported late XXXX XXXX I immediately made a payment once I realized I was reported late. I have never been late before this seems like a fraudulent late charge and negative reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo has delayed the review of our re-finance of house. Application was submitted in XXXX and we just found out they denied. They constantly asked for the same info over and over again. 
I was constantly calling them with no response. The manager said she was sitting at different desk that 's why she never replied!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A company by the name of XXXX XXXX XXXX was automatically drafting a payment out of my checking account for my federal school loans for approximately one year. The yearly enrollment update comes around, and they want to increase my payment dramatically. I contacted the U.S. Department of Education, and the representative told me she had never heard of XXXX. She gave me the number to the company they had listed that was handling my school loans. When I called, the representative told me they never received any of my payments for the loans. He also said they had received numerous complaints about XXXX and recommended that I file a complaint with this company. Another representative, from XXXX XXXX, told me XXXX XXXX XXXX falsified my information on their forms to meet their needs.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Hello I am wanting to save my home. They have not worked with me on on foreclosure preventive options. I called to apply for a loan modification or any type of program to help me save my home to stop the foreclosure. No one has helped me, nor mailed me a letter or offered me any type of repayment plan or anything. I received a letter and text from a lady stating she bought my home then I got a reinstatement letter from Penny-Mac afterwards. I went down to the county records building and saw that they lady is attempting to change my deed to her name. I need help and the service they are giving me is not helping at all. I have XXXX and need help saving my home, stopping this foreclosure and eviction. 

History, I lost my job and contacted them after looking online for some assistance help. The lady I spoke with when I called told me that she would mail me some paperwork that I have never received. I called after some time and was told I was denied and would be mailed some more papers with options. I did not receive anything then. Then the next thing a strange lady came to my house and said that she had bought my house. No notices or anything was delivered or posted at my house. I was not aware of anything and no one is trying to help me save my home. When I call I get some one who is rude and dont want to help me. Now someone is saying I may have to move. I received a reinstatement letter after the lady came saying she is trying to buy my house. I contacted the records building and they told me that same lady was trying to change my deed to her name. Can someone please help me. My loan is currently with Penny Mac it was with XXXX XXXX XXXX so I dont even know what or who half the time. My loan number is XXXX. 

I need someone to help me to have the foreclosure process stopped and help saving my home. For myself to be reviewed for the programs that are out there to help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Request I am writing to request that the late payments reported by Dovenmuehle be removed from my credit report and to highlight Dovenmuehles poor processes and behavior that ( 1 ) led to the missed payment report and ( 2 ) prevented me from resolving the issue with Dovenmuehle itself.

Summary Dovenmuehle failed to properly notify me that they cancelled my online recurring payments. Instead, I was notified of a payment issue for the first time on XX/XX/18 by XXXX XXXX because Dovenmuehle reported my account as delinquent to the credit bureaus.

Dovenmuehle claims they mailed me a letter stating my accounts were delinquent. I did not receive that letter. Dovenmuehle did not notify me that they ceased recurring payments by phone or email.

I immediately called Dovenmuehle to resolve the payment and credit report issue. I was repeatedly harassed, intimidated, and threatened by Dovenmuehle agents as I tried to do so.

Attempts to Resolve Issues with Dovenmuehle Attempt 1 : Phone Call with Collections Agent, XXXX, Saturday, XX/XX/18, XXXXXXXX XXXX   CST, 10 minutes. 

During this conversation I was told that I couldnt resolve the missed payment and credit report issue together until Monday. I stated that I would wait until Monday to resolve both issues together. The agent then stated that if I didnt make the payment with him immediately he would report that I made no promise to make the payment in the future. 

I believed he was trying to scare me by threatening me with legal action/foreclosure if I did not pay immediately. I subsequently asked him if our conversation was recorded so that I would have proof that I did not say that. After this question the agent stated that he was changing his report. 

Attempt 2 : Phone Call with Customer Service Supervisor, XXXX, Monday, XX/XX/18, XXXXXXXX XXXX  CST, 25 minutes. 

I was told that Dovenmuehle would not resolve my credit report issue unless I mailed them a letter. The representative stated the issue could not be addressed by phone, by email, through the website, or any transparent processes.

Dovenmuehle could give me no guidance on what the letter needed to prove, what the timeline was, who would oversee it, or any information that made me believe the letter would be considered. Instead, their lack of transparency led me to believe this was an attempt to ignore my concerns. 

Attempt 3 : Phone Call with Customer Service Supervisor, XXXX, Tuesday, XX/XX/18, XXXX XXXX CST, 21 minutes. 

I explained during this conversation that if the company would not make me a promise to address this situation with the credit bureaus that I would dispute the claim with all credit bureaus and file complaints to the XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX. The supervisor subsequently told me that my complaint would be forwarded to a senior manager and that I would get a response to the credit bureau situation within 48 hours. No one followed up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: APR or interest rate

Complaint: Chase Freedom has refused to lower my credit card interest rate for the last two years plus from their highest obscene rate of 29.9 %. I have n't missed a payment or been late with a payment in three years. Last time I asked they said the rate was based on my original application guidelines. I 've had this card since 1990. How is it possible that I 'm tied to guidelines from 26 years ago when everything else in banking and credit card regulations has changes numerous times.

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 Resurgent Capital Services L.P. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested a debt validation to XXXX XXXX XXXX and they only send me a debt verification onXX/XX/XXXX certified mail with the confirmation number XXXX and a return to sender that was received onXX/XX/XXXX by XXXX I received the verification letter onXX/XX/XXXX on the mail.

On XX/XX/XXXX I resend them a letter that stated to send me a validation of the debt, the letter was send via certified mail with the confirmation number XXXX they received onXX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX never respond to my certified letter

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX account, Student Loan closed and discharged ( XX/XX/2016 ) by XXXX. I am currently XXXX and receiving social security payments.

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 09/21/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I started school out of state in XXXX. I also attended school in state XXXX. I accumulated $ XXXX in student loans. I began paying on them XXXX XXXX. I received capitalization of a total of {$6000.00} bringing the amount owed from XXXX to {$30000.00}. Paying a total of $ XXXX month for XXXX loans, XXXX XXXX, the balance is still {$30000.00}. I call Great lakes ( they handle for the loans Dept of Education ) and they say im paying {$4.00} in interest/ day. So only about {$60.00} is going towards principle. 

Almost a year has passed and my loan is at the same balance. Something needs to be done about this student loan interest. I am on autopay so, 0.25 % of interest is supposed to be reduced, and im still paying $ XXXX day in interest. How am i supposed to pay my loan back if im getting {$150.00} a month in interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: hello this company sent me a letter thru cfpb and to my mail that they will delete all negative info of my credit report but have failed to delete with XXXX and when i disputed with XXXX they verified that i owe and will not remove

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Student loan (Non-federal student loan) with KEYCORP (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I financed my student loans through Key Bank. There was a short time when I was without a job and/or not making enough to make the outrageously high payments that Key was requiring. I spoke with someone and deferred the loans, though at a later date, I was informed that my loans had been sent over to collections in that time and that my loan payments I was making were no longer considered " valid payments. '' This has led to Key Bank ruining my credit, stating that I am delinquent in my payments. I have had automatic payments set up for the last three years in order to prevent this from being the case, however the institution is requiring that I pay the full balance off, otherwise they will continue to mark me as delinquent/past due and ding my credit. I am unable to move forward with anything in my life that would require a loan ( home, vehicle, graduate classes ) because of this. I have spoke with Key Bank and they are in no way willing to work with me, even as I continue to make my monthly payments. 

I have continually tried to work with Key Bank in order to get everything sorted out. At one point, I was informed that Key Bank no longer managed student loans and that I would need to contact XXXX of XXXX different companies to try and track down where my loans were sold off to. No information given other than the name of the XXXX companies. I spent countless hours contacting the multiple companies, trying to track down my loans with no success. I went back to Key Bank and they transferred me around, only to learn that they still maintained ownership of the loans. 

I am baffled at how they can be allowed to get away with something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help.

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 09/28/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Approximately late XXXX, I had a door to door sales rep offer me an alternative energy provider. They had promised me a reduction in my electric bill and I had agreed to sign up. However, after the first month, it turned out that they were charging significantly higher rates than my previous supplier. 
This, understandably upset me and I called the company to get an explanation. I was put on hold until my call was disconnected. I called back several times over the course of 60 days. to cancel my service and was put on hold until the call terminated. I was not given a chance to cancel my service and was forced to resume services with my previous supplier. 
Currently they have hired a debt collection agency to come after me for a bill that I do not believe to be my responsibility. This company has provided substandard service and unfair business practices. They should not be allowed to mask their bullying tactics behind the age of the debt or through a XXXX party that has nothing to do with their 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 01/20/2016 about Prepaid card (General purpose card) with Continental Finance Company, LLC (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I closed out the account back in XXXX 2015 and have since then requested to receive paper statements until account is fully paid in full. Every time I contact the company to inquire about statements or make a payment I am assured that a request is being placed and I should receive within a few weeks. I have been making payments as required by the due date but still have not received any statements and do not know what I am being charged. I am still being charged a maintenance fee and I do n't know why when I am not utilizing the card. Of course, I am also being charged for finance charges. This company is preying on individuals claiming to assist in helping build credit when it makes it worse on those individuals who are struggling.When I call and the about the statements, I am told that I signed up for e-statements and that is causing me to not be able to receive paper statements. I believe someone in IT or with the proper authority should be able to override the system. 

I would not recommend this company to anyone.

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