milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2015 about Debt collection (Credit card) with Law Offices Howard Lee Schiff, P.C. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like to file a formal complaint against the Law Offices of Howard Lee SchiffOn XX/XX/XXXX I received a letter from their office claiming I owe a debt to XXXX XXXX bank in the amount of $ XXXX submitted a debt validation letter XX/XX/XXXX to their office, I had no further communication with them and the debt was never validated, Which violates the FDCPA. After some online searching I have found numerous other complaints about them and their collection methods from many others who have also claimed the same issues on not receiving the validations and along with far worse complaints of threats and illegally collecting fundsOn XX/XX/XXXX I received a summons to Small claims court, still without any validation what so ever that this is in fact a valid debt owed by me, The hearing was scheduled for XX/XX/XXXX in the XXXX Court, I knew was going to be unable to attend the hearing due to needing to provide my elderly mother a ride to and from XXXX so I submitted a request for continuance to the court a few weeks in advance which was n't granted. 

I received the judgement from the court saying I had defaulted, Even though I submitted the request. I then called Howard Lee Schiff and told them the issues I had and that they still never validated that this is in fact my debt so I said this must be treated as a fraud case and that 's when they finally sent me anything resembling any validation at all. 

I received from them were the fraud documents along with a few statements from XXXX at an address I once lived at and in a name that I also share with my Father, Who also was living with me at that same address during the time in question. His passing coincides with the receipt of last payment to XXXX having passed 2 or 3 weeks after the last payment they receivedI filed a motion with the court to have the default judgement removed and it has since been removed and the hearing is being rescheduled. The payment hearing was yesterday and that 's when they allowed the motion to remove the defaultI spoke with the lawyer handling the case for them yesterday at the payment hearing and I said why have I still not received any validation yet that I owe this and her words were " I have 30 days to request the validation, But they are under no time limit to respond to the validation " How can they legally and ethically do this? I am expected to go to court, Not knowing that this is in fact my debt?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Credit card protection / Debt protection

Complaint: I have made settlement agreements with Credit Company & or Collation agents that have broken agreements within how they may report to any and all reporting company 's. As agreed on with each payment made to any & all Credit Company 's & or Collation agents term of cashing payments were sent with each payment in a written agreement of cashing any & all payments. As stated within agreement by cashing payments that company agreed to any & all terms within payment agreement. If a company did not agree to any of these terms within the payment agreement they were told NOT to cash any payments made & by cashing any payments they were agreeing to any & all terms. All Companies are in " Breach of Terms of Reporting of Agreement of Payment '' ( Sent with Each Payment ) which is violating the Agreement of Payment. Terms of payment to " BE IN WRITING '' ( WITH THE FOLLOWING KEY TERMS OF ALL SETTLEMENT AGREEMENT ), '' TOTAL AMOUNT TO BE PAID '', " PAYMENT TERMS OF TOTAL AMOUNT '', " REPORTED TO ALL CREDIT BUREAUS REPORTING COMPANYS AS WORDING OF " PAID ONLY '' WITH NO NOTES OTHERWHYS THEN BEING PAID '', " BE REPORTED WITHIN 30 DAYS OF FIRST PAYMENT ''.

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 11-06-2015 about Credit card () with FIRSTBANK PUERTO RICO (PR).
Issue: Billing disputes

Complaint: Last year I had a complain with XXXX on XX/XX/XXXX. ( I have the case number and a copy of the letter ). They sent a letter to you and I received it, where they explained what happened with my payments, a letter with explanations, and they did the corrections. This month XXXX is been calling me again asking for the payments of XXXX and XX/XX/XXXX, I called the agency XXXX XXXX XXXX and they have prove and copies of the checks that they sent to the bank, they said that they sent the check of XXXX or XXXX but they did n't adjust that payment, they called the bank, and they still waiting for a response. I called the bank and nobody fix the problem, I ask many time for a bill of both credit card and only received XXXX of them. Once again I have the situation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I want the XXXX accounts with XXXX XXXX to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Midland Credit Management Inc ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX FAX # ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Midland Credit Management Inc or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Midland Credit Management Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/XXXX Complaint Department TransUnion Consumer Relations XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that XXXX have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have XXXX single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AL).
Issue: Problems when you are unable to pay

Complaint: I took out a loan on a car. I was the primary and my mom was the cosigner. Due to finacial setbacks she missed several payments on the loan and it was repossessed. I was not given an option to pay the total missed payments. I was told the car was sold but not for how much. The company sent the bill to collections but i thinks it was for the total amount. We moved several times and the collection agency started to garnish my moms check. She changed jobs and they still did not get in touch with us.the collection company has now started garnishing my wages. I am a single mother and they are taking XXXX dollars out of my check every 2 weeks they have agreed to decrease the garnishment but only to XXXX dollars a month.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have requested a copy of my Equifax Credit Report because I 'm aware of several changes in my credit report and need to confirm it 's correct. Equifax continues not granting my request. Furthermore, I tried obtaining my annual free Equifax credit report but was unable to even though I was able to get my XXXX & XXXX  Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company called work phone number ; left a message that they were attempting to contact me before arrest warrant is issued on a debt that they contacted me about ; I do n't owe any payday company any money ; within XXXX minutes they also called my cell phone same message left with a callback number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (GA).
Issue: Trouble during payment process

Complaint: My mortgage loan closed in  XXXX    XXXX  . In  XXXX , it was sold to  PHH M ortg age d/b/a "    XXXX  ''. I received a letter indicating my monthly payment of {$1800.00} due on the first of each month. I set up auto-pay to pay on the  XXXX  of each prior month, over a week before the due dat e. PHH Mortgag e mis-processed my payments and began charging me late fees - {$80.00} in  XXXX  and {$73.00} in  XXXX , despite having been current on my payments.     The first time I called PHH, the rep said I had to pay the fees and then retroactively submit a petition for refund. The second time I called, a supervisor refunded the fees.     I believe these fees are predatory and exhorbitant. Giving customers the run-around on fee refunds similarly takes advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted offical documenation to Experian that they are report bad infromation on my Credit file. CitiMortgage Acct # XXXX, IS PAYED in FULL and was never 'Legally paid in full for less than the full balance ' as Experian is reporting on my credit report. Supporting Documents attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: I applied for HARP Ref using Quicken Loans. The HARP ref was approved. However, It is my understanding that MSHDA ( Michigan State Housing Development Authority ) has HARP grant program that would applied {$500.00} toward closing cost. 
With review of the closing cost, Quicken Loans did not apply this grant to my closing cost. HARP Refinance with XXXX XXXX XXXX | Mortgage Banker at XXXX Loan and he did not apply the {$500.00} grant.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted over 3 disputes/letters to XXXX, XXXX, Transunion to correct information creditors submitted inaccurately on my credit report. The supposed accounts have not been properly verified according to fcra 609. They have no proof of my wet signature to verify the account. On XX/XX/XXXX I sent the credit bureaus certified copies of my secretary of state XXXX XXXX which shows I have to debt/loans which they disregarded. The credit bureau nor the credit agency have supplied proper evidence, yet the delinquent accounts are being reported inaccurately. My 3rd Notice was sent XX/XX/XXXX Credit Disparagement Letter Notice Inent to Sue/Notice of Claim of Economic Injury which were notarized and post master certified documents which have been disregarded. I called the credit bureau on multiple occasions and also have gotten no response. I feel the credit bureaus along with dishonorable creditors have purposely caused harmed to my financial/economic responsibility to my country and family. As a veteran I feel the deepest regret to defend such dishonorable corporations. 
The following accounts should not be reporting on my credit report at all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be reported derogatory on my credit report : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WV).
Issue: Loan servicing, payments, escrow account

Complaint: For the last three months I have been working with XXXX XXXX torefinance my home. I had currently had my loan through XXXXWithout notifying me, XXXX XXXX XXXX sold my loan to Select PortfolioServicing, Inc. In fact when I opened the letter I thought it was a collectionagency, even though I knew my payments were paid it made wonder what wasup with this. I know that when a loan is transferred it is supposed to betransferred as it was with the previous lender. However, here is the problemMy property taxes are paid in my payment. When I called the new Loan companySPS they have not paid my property taxes. The representative stated thather supervisor stated that my loan was being analyzed and would not beprocessed for 60 days or more. In the mean time my taxes are not paid, eventhough I have paid SPS, and my new mortgage loan is put on hold becauseof XXXX XXXX XXXX selling my loan to SPS. Please help me with this matterI do feel I have not been treated fairly in many ways. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Application, originator, mortgage broker

Complaint: Completed refinance application with PNC Mortgage on XXXX XXXX, XXXX. Information provided included : ( 1 ) the consumer 's name, ( 2 ) the consumer 's income, ( 3 ) the consumer 's Social Security number to obtain a credit report, ( 4 ) the property address, ( 5 ) an estimate of the value of the property, and ( 6 ) the mortgage loan amount sought. 

Did not receive disclosures within 3 days as required by law. 

In addition to the above on XXXX XXXX, XXXX, I also sent XXXX personal and business income tax returns, personal and business financial documents, payroll receipts, and all property tax records. I resent two business returns as requested on XXXX XXXX, XXXX. Receipt was confirmed on XXXX XXXX, XXXX. 

Attempted to call the loan officer and his assistant at all their listed phone numbers and then sent an email to both on XXXX XXXX, XXXX requesting the status of the loan application, to which I have received no response and still no disclosures. 

They are in receipt of all my relevant personal financial data and I have not been able to contact them since XXXX XXXX, XXXX by phone or email. 

The PNC loan officer is : XXXX XXXX XXXX Mortgage Loan Officer Supervisor NMLS ID XXXX XXXX XXXX PNC Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. OH XXXX ( p ) XXXX l ( c ) XXXX l ( f ) XXXX XXXXXXXXXXXX and his assistant : Assistant to XXXX XXXX XXXX : XXXX XXXX Mortgage Loan Officer Assistant NMLS ID : XXXX PNC Mortgage ( p ) XXXX ( f ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Atlantic Credit & Finance, Inc. (CO).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Calling work place multiple times throughout the day.
Harassment of people other than myself.
Calling from various numbers in the U.S.A Failing to tell me what company they 're calling with.

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 02/21/2017 about Debt collection (Non-federal student loan) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company by the name of GC Services called and said I owed them {$1100.00} for a student loan I have never had. All my schooling was paid for by the XXXX XXXX. The person I spoke to was XXXX XXXX and he said payment must be sent immediately or it would affect our credit. They were rude, demanding and knew my full social security number and birthdate. I told them it was not mine but did not want to speak too much since they record everything and seemed very strange to me. I recently found out they are scam. DO NOT SEND THEM MONEY or continue any type of conversation with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XXXX XXXX ACCOUNT XXXX FROM WELLS FARGO WAS OPENED BY ME AHEAD OF MY MOVING TO TEMPORARILY LIVE WITH MY SISTER IN NORTH CAROLINA XXXX WELLS FARGO REQUESTED MY SOCIAL SECURITY CARD COPY FOUR TIMES, FIRST REQUESTING I FAX IT TO A NUMBER IN XXXX, THEN THREE ADDITIONAL TIMES TO A TOLL-FREE NUMBER. EVERY SINGLE TIME, THEY CLAIMED TO HAVE NOT RECEIVED IT. THE FINAL TIME, I FAXED IT FROM MY MOBILE PHONE USING XXXX AND SENT IT EIGHT TIMES TO ENSURE THEY RECEIVED IT. UPON RECEIVING THE CARD, I DISCOVERED IT WAS INACTIVE AND UNABLE TO BE USED. WHEN CALLING WELLS FARGO ON X/XX/2017 AT XXXX HRS AND THEN AGAIN AT XXXX HRS, THEY REFUSED TO CLOSE THE ACCOUNT UPON MY REQUEST. WELLS FARGO REPRESENTATIVES RESPONDED WITH " YOU HAVE TO SHOW YOUR ID AND FIVE FORMS OF ADDRESS VERIFICATION TO CLOSE THE ACCOUNT AT A WELLS FARGO BRANCH ''. AFTER INFORMING THE REPRESENTATIVE OF THE CARD ACT AND THAT THE LENDER ( WELLS FARGO ) IS OBLIGATED TO CLOSE THE ACCOUNT WHEN THE CUSTOMER REQUESTS IT, THEY REFUSED. I HAVE A WELL ESTABLISHED RECORD WITH XXXX, XXXX, XXXX XXXX AS WELL AS XXXX XXXX AND HAVE NEVER ENCOUNTERED PROBLEMS AS I AM ENCOUNTERING WITH WELLS FARGO.

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 02/26/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I opened an account with Citibank within the 30 days they decided to in the relationship I had leftover funds in the account I attempted to collect the remaining funds that I had in my account but to no avail Ive been getting the runaround instead they told me to call the XXXX XXXX number so they may send me a cashiers checks in the mail I did that so the XXXX XXXX number told me that to step into a branch with my ID I did that but still havent received my funds.

Company response to consumer: Closed with explanation