milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB : We discussed the matter with a lawyer. He says this is a case of a loan-sharking and an armed robbery abusing escrow & foreclosure procedures. Victims count millions. 
Chase paid {$43000.00} for our taxes since XXXX, and we paid back as below. 
Chase paid We paid Escrow Balance XXXX XXXX {$7500.00} {$7500.00} XXXX XXXX {$7600.00} {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$11000.00} {$11000.00} XXXX XXXX {$4800.00} {$6400.00} XXXX XXXX {$1300.00} {$7800.00} XXXX XXXX {$5800.00} {$1900.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$8000.00} {$8000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$1000.00} {$1400.00} XXXX XXXX {$1400.00} {$42.00} XXXX XXXX {$6800.00} {$6800.00} XXXX XXXX {$1500.00} {$8400.00} Now, Chase is demanding us to pay ~ {$35000.00} : total ~ {$80000.00} = {$43000.00} + ~ {$35000.00} whereas : ( 1 ) as of XXXX/XXXX/XXXX, our mortgage is current and the balance is {$350000.00} on Chase 's book as {$350000.00} on our book ; ( 2 ) our payments have never been late and we are not in default ( see Book XXXX ). 
We do n't owe ~ {$35000.00} to Chase. 

Chase says if we do n't pay XXXX {$35000.00}, they 'll put our house on sale and steal {$300000.00} in equity. 
Apparently Chase is doing an armed robbery by abusing foreclosure procedures. 
Chase says they are following " the investor and lending guidelines. '' If so, the investor and lending guidelines they wrote are unfair, predatory, and criminal. 
If the court examines their investor and lending guidelines, it will find numerous violations of consumer protection laws and other laws. 

Did n't Chase do kickbacks and steal $ XXXX from homeowners a few years ago according to their investor and lending guidelines? 
Has n't Chase been doing loan modification frauds and stealing $ XXXX HAMP money from the government and homeowners according to their investor and lending guidelines? 
Has n't Chase been abusing foreclosure procedures ; harassing & threatening homeowners, and stealing $ XXXX from them according to their investor and lending guidelines? 
Has n't Chase committing numerous tax frauds according to their investor and lending guidelines? 
For these and other criminal practices President/CEO and Executive Teams of Chase Home Finance LLC shall end up standing a trial in a criminal court. 

Following the lawyer 's advice, we informed Internal Revenue Service ( IRS ), the HAMP administrator, and media outlets of Chase 's accounting problems, kickbacks, escrow abuses & loan-sharking, frauds in loan modifications and possible tax frauds.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Other financial service (Money order) with Universal Account Servicing, LLC (CA).
Issue: Fraud or scam

Complaint: To Whom It May Concern, This complaints is against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, all formerly of XXXX., and recent defendants of a FTC civil action complaint in United States District Court District of Nevada Case XXXX and XXXX, XXXX , A Wyoming Based Limited Liability Company ( all owned by the XXXX ) and XXXX of XXXX. These criminals are at it again. There was no justice served in their years of defrauding countless innocent victims with their payday identity theft fraud scam so they simply changed outfits and started all over again before the ink was dry on their case filed in 2013. I have several documents to prove my complaint. All available to make sure these criminals are stopped in their tracks. 

I was presented an opportunity to purchase a turnkey fully functioning business with a guarantee of business funding with my good credit to support my entrepreneurial aspirations by the aforementioned ; via my trusted business advisor who no longer associates with any of them due to the discoveries within this complaint. The ecommerce business that was sold to me was to come with pre-existing sales, established web traffic to an existing website, customer service, a XXXX system, media buys all provided by a company reported by the XXXX to be a Wyoming based XXXX under their direct ownership by the name of XXXX. Upon further research I 've discovered all were lies. Nothing was set up with this turn key business by the XXXX. In fact they were doing nothing more than making false claims. Instead of immediately receiving what I was promised I was harassed for finance payment by XXXX XXXX, the shady " lending '' company who supposedly financed the sale of the business on the strength of my excellent credit. Even after I tried reaching XXXX to no avail to discuss my displeasure with the behavior and lack of performance as contractually obligated by the criminal XXXX family I was still harassed at my work place and at home. For this agreement with the fraudulent " XXXX '' I was charged a fee of thousands of dollars for nothing that the Sunyiches nor XXXX XXXX actually provided. The fact of the matter is they are both frauds that should be reinvestigated for all of their current business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: got a phone call from gray cloud recovery XXXX claiming to be representing speedy cash. i called speedy cash and they do not have an account with XXXX. they asked for my debit card and also claimed garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (Payroll card) with First Data Corporation (NE).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I was issued a debit card from my employer in payment of wages. The card was issued b y Money Network on b ehalf of  XXXX . I tried to use the card and access was deni ed on 3 occasions even though there were more than enough funds on the card to cover these transactions. I was charged {$2.00} for each denial and am charged a monthly maintenance fee. I called to inquire about the reasons for denial of access to the funds on the card and was not given any intelligible answer. I called the customer service number and inquired about closing the account and receiving a check for the balance remaining on the card. I was told I could do that by faxing a letter requesting the account be closed along with the account number and mailing address. I was told it would take 2 weeks to process this request and that a check would be sent to me for the balance.I faxed th e letter, and receipt of the fax was confirmed. I did not receive a check, so I called customer service to inquire about why I had not received the funds. The person I spoke to confirmed receipt of the fax and my request, but could not give me an intelligible answer as to why I have not received the check. When I requested to speak to a supervisor, I was placed on hold and ultimately disconnected. This all occurred in  XXXX  and  XXXX ,   XXXX  . Instead of a check to close the account, the monthly maintenance fee was increased from {$2.00} per month to {$5.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MT).
Issue: Loan servicing, payments, escrow account

Complaint: The morgate company representative claimed their company could take over our taxes, and insurance payments, and we provide funds in escrow account. They never told us that once you do that you ca n't get out of payments to escrow in lew of payments for those things. They mis-representated themselves. I canceled their insurance and bought my own, they refuse to stop the escrow included in my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Student loan (Federal student loan servicing) with American Student Assistance (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had defaulted on a FFEL Consolidated loan in XX/XX/XXXX. The loan was then turned over to a collection agency. I have been on a payment plan with this collection agency for 21 years, and I have not missed an agreed upon amount payment, but my loan is still showing to be in default status. 
In XX/XX/XXXX I received a letter stating " Congratulations, you are only two more on time payments away from qualifying for student loan rehabilitation ... Once your loan is sold, your default will be over ... '' Why only two more on time payments? I just made over XXXX on time payments ... why now? why was n't I offered a rehabilitation 15 years ago? If I was, this loan would have been paid off and I would n't be having a balance of the following : As of XX/XX/XXXX : ( 22 years after going into default ) Accrued charges = {$97000.00} Applied to interest = {$75000.00} Applied to collection costs = {$21000.00} Misc fees = {$470.00} Applied to principle = {$0.00} Payments = {$84000.00} Beginning balance = {$38000.00} Ending balance = {$52000.00} Is it the collection agency or loan holder 's due diligence to collect on a loan and not drag it out? A loan of {$38000.00} and a repayment plan totaling {$130000.00} ... is that legal? 
A mark up of over 350 % on a Federal Student Loan? When I was making a payment every month for over 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Debt collection (Medical) with Illinois Collection Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm asking that this please be removed from my credit reports. It 's been paid and is still appearing as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a request on XXXX to have the PMI removed from my loan, since I am below 80 % LTV. I received a generic response about a week later, basically saying " we 'll get back to you '', but as of XXXX, still no answer. Since I went below 80 % LTV in XXXX, I 've made XXXX more mortgage payments including PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i have been disputing this entry from   XXXX   XXXX   several times and the  XXXX  bureaus keeping saying that after their investigation they show thin information is 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 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PROFESSIONAL COLLECTION SERVICE, INC (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I spoke to Professional Collection Services on XXXX/XXXX/15 at XXXX XXXX and upon calling I was rudely answered with a " Hello '' and than proceeded to be asked " How I got this number '' I advised the Lady that it was on the letter they sent to me regarding a debt for my wife. She sighed and very rudely asked my account number. The call proceeded speaking about my wifes debt and she never asked who I was, verified any piece of information and disclosed everything to me about my wifes debt not knowing who I was. She than stated that I could not contact the client directly as it was placed with them and they would n't speak to me. The lady was rude and very abrasive when I asked about a Settlement and I told her I did n't appreciated her tone and I would call later and hung up. 
I called back later in the day but Recorded the entire conversation this time. Again they failed to verify who they were speaking to, never gave me their name, their company name. I asked how the settlement was determined and she told me " It does n't matter how we determine it, Im in collections and she does n't even have to give me a Settlement '' I was also informed on my second call we had another account in her office for {$4900.00}, in addition to the {$630.00} debt I was calling about. I asked her about the other debt she said they sent VOD to my address I advised I never received it and would like to dispute and see proof. She got very upset said she would send it again, but that since it was n't on my credit report she was going to Re-Report it to my credit since it is a sizeable debt. 
I have worked in collections for many years as a manager and trainer and this is by far the Worst collection call I have ever heard, countless laws were broken and this agency needs to be reprimanded for their unethical collections.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Medical) with Centron Services (MT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: THis collection agency has put me below minium wage for the last year. They claim that because they though I was living with my mother that is why they took more. I have not lived with my mother for over 2 years. When I spoke to the judge he said he would look into the matter and get back to me. He never returned my call. Centon ( also known as ; Credit Systems in XXXX MT ) This collection agency now after my last payment ; have come back with medical bills from XXXX, XXXX and XXXX. I have asked for proof that these bills are mine. When I have asked for information in the past they have not sent it. They refused to lower my payment. Telling me how much I must pay. They sent the server to my work and say that I am served because they gave the notice to the payroll person. I have not received service. 
They called my mom and discussed my account with her. They say they will send documentation or forms for me and do n't. They say mail is returned when I receive mail ever day at my mailbox. 
I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was switched to SLS ( Specialized Loan Servicing LLC ) a year ago and have had various issues with payment amount due changing numerous times and do n't know how they are even coming up with the amount due let alone they ca n't correct the issue created by their mistakes when applying funds sent in to supposedly get account fixed so payment amount would be correct and consistent. In XX/XX/XXXX I sent them a {$10000.00} check that was documented in my account before I sent check as to how to apply funds and also hand written on escrow shortage payment slip to pay shortage and apply the extra to principal. They used money to pay my regular payment due ( which I was sending separately and advised before money sent ) and the rest was not put toward escrow shortage or principal. So since then they have gone back and forth trying to fix this but it has only got more confusing no one there can explain, audit or resolve this besides sending a note in account to another department ( that department is who made the mistake originally not applying funds correctly ) and they have no other contact person in that department to speak to so they send it, the department screws it up more, I call again and now my next payment due is showing {$2400.00} ( are you kidding!!! I just sent them {$10000.00} ) instead of {$1200.00} ( last amount quoted that would be payment for the rest of the year. They do n't have an accounting, audit or corporate contact number for me to try to get resolved and the customer resolution department ca n't fix because they send it to cashier Dept no one can speak to. Please help me get my money applied to account corrected and any fees/interest charged by misappropriation of funds credited so I can make my monthly payment and not have amount switch monthly not able to pay if they keep switching after quoting me amount they say for sure will be the next payment due for the rest of the year. It is n't the same and has yet to be amount due on next bill so when I 'm told for sure, I tell them I highly doubt it because for sure has not happened and I even told agent on phone that it keeps switching they say do n't worry they fixed and are right. I do n't know if I need a lawyer or who to hire to get straightened out, please get me help from a real auditor that has knowledge and power to physically be in the phone and change/fix my account at the same time without sending to another incompetent department.

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 02/14/2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Late fee

Complaint: Chase has been charging me late fees for three years in excess of {$1200.00} for a returned payment of {$28.00} dating back to XXXX XXXX. I had been assured that I would not have to worry about fees under their AutoPay system, which I enrolled in sometime in XXXX. I called up to inquire about why they XXXX my account, again, as well as why there was still a balance on my card. They also had n't sent me a new card, as my old XXXX had expired at the end of XXXX. Instead, I 'm told that I 've been assessed late fees for 30+ months and that returned payments are can not be processed through their AutoPay system, which I was not aware of. They repeatedly XXXX my user account and I was unaware of the issue with the payments or that late fees were being assessed. They charged {$35.00} penalty monthly and refuse to assist any further with late fees apart from a credit for this month. I have paid more in late fees than the limit on the card of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (I do not know) with National Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received, and responded to, calls from this company, verified that I am not the person who they are attempting to reach, yet they continue to call me at my place of employment demanding that I verify my identity to " ensure I 'm the person '' they are trying to reach. The person calling leaves the name XXXX and phone number XXXX XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: The lender failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender refuses to review this file for loss mitigation options stating the file has to be submitted 37 days prior to sale - We provided to the lender the last requested docs on XX/XX/2017 - the lender did not recognize the docs until XX/XX/2017 when we were advised that the file was being sent to underwriting on XX/XX/2017 for the review, As of today the lender advised that they did not get the requested docs in-time for the review. Which this is not accurate since all docs needed had been in there office since XX/XX/2017 - the sale date on this loan is set for XX/XX/2017 In addition we request that you suspend foreclosure during this complaint review in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).

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 04/27/2017 about Debt collection (Medical debt) with ProCollect, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: O n  XX/XX/XXXX , I  sent a certified written dispute to  Procollect disputing the debt they claimed I owed ( see attached ). I also requested documentation that proves that I owe Procollect as well as a breakdown  of fees for such de bt. Procollect DID NOT provide me with proper documentation. O n   XX/XX/XXXX , they  sent me a standard dunning lette r (  see attached ) with a printout of some information on a piece of paper with a name on it that is similar to mine that supposedly shows  XXXX  transactions made back in   XX/XX/XXXX   ( see attached ). First and foremost, my name is  XXXX   XXXX   XXXX   XXXX , my father, my  XXXX  cousins, and both of my sons all bear the same name, as well as countless others in the state of Louisiana. So whose debt is this? I will say again, I am unaware of such debt. Secondly, this printout was NOT a billing statement from the creditor that shows a detailed breakdown of the services rendered nor did it show a breakdown of fees or how they came to the amount they say I owe. This also was n't a contractual agreement bearing my signature. Procollect is playing games and trying to get me to pay an unverified debt they have no proof that it is mine.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. So, I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, and proof that there is some contractual obligation which is binding on me to pay this debt. Since I could n't get the proper documentation from Procollect via certified mail and they have violated the FDCPA by reporting a unvalidated debt to the credit reporting agencies, I am requesting again that this account is deleted from my credit reports or please provide me with the proper documentation, so this debt can be resolved.     Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, and authorization under subtitle D of the  ARRA, SEC. 13401 . Also, provide copies of any agreement that bears my sig nature wherein I have agreed to pay the creditor and as this is a medical account a copy of any HIP AA authorization.     In the event of noncompliance, I reserve the right to file charges in a small claims action against your  company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act & FDCPA.

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