milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (TN).
Issue: Loan modification,collection,foreclosure

Complaint: To whom this may concern, We are terrified that Selene Finance has engaged in unlawful foreclosure against our property. Our mortgage was transferred to Selene Finance in XX/XX/XXXX from XXXX XXXX XXXX. 

Our nightmare started on XXXX XXXX, XXXX, when we had a house fire. We tried contacting Selene to notify them of the fire because the homeowner 's insurance was escrowed in our mo. payment and we needed to notify the insurance co. of the fire & damage that had occurred. After several days, Selene told us that an insurance adjuster would be coming out between XXXX-XXXX on a particular date but no one ever showed. 

Soon after that, one day, after arriving home, there were XXXX trucks parked in the yard at our house. After some questioning, the XXXX gentlemen finally told us that they had purchased the home at auction on XXXX XXXX, XXXX. How is this possible, we were n't even behind on any mortgage payments? We were never notified of any foreclosure or auction. 

Several days after that, we came home to find a large part of our belongings in the yard and they had pulled our vintage jaguar out of the garage and were attempting to sell it to a junk dealer. The supposed new owners were there and told us we had been evicted ; we never received any eviction paperwork from the courthouse or anyone else. 

After doing research on the internet, it appears what we 're going through is commonplace with Selene 's fraudulent, predatory and gross mishandling of servicing mortgages with countless complaints of malfeasance occurring time & time again regarding servicing and unlawful foreclosure of mortgages all over the country. According to the : XXXX ( XXXX Complaints ) ; Yelp ( Numerous Complaints ) ; XXXX Consumer ( XXXX complaints ) and numerous complaints on : XXXX XXXX, XXXX XXXX, XXXX, etc. ; all with similar claims of gross mishandling of servicing mortgages. 

Why has n't some government entity intervened in this continuous pattern of unscrupulous business practices? Ours is obviously not an isolated case so when there is so much government regulation on seemingly everything else, I 'm having a hard time understanding how the FTC, Attorney General 's Office or The State of Texas is allowing this to be problematic time after time. 

The Wall St. Reform & Consumer Protection Act. was written in XX/XX/XXXX to help consumers & homeowners that were being unfairly mistreated by their mortgage servicers. 

Violation of The Real Estate Settlement Procedures Act ( Regulation X ), Federal Trade Commission Act ( FTC Act ) Section 5 : Unfair or Deceptive Acts or Practices & UDAAP - Unfair, Deceptive, or Abusive Acts or Practices Selene Finance 's egregious acts of noncompliance with federal laws have caused us much stress, anxiety and uncertainty if we have or still will have a home. 

Please Help!!!!! 
XXXX & XXXX XXXX, XXXX, TN

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I deposited a check using the Chase mobile banking app, on XXXX XXXX, 2016. The app deposited the check twice. I called to make sure everything was okay. They deducted the amount of the check from my account. A few days later, the check bounces due to it obviously having just been deposited. The check was deposited, but I 'm out the amount of the check - Chase took it from me and is not returning it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Requestor ( myself ) : XXXX XXXX Contact : XXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Customer service / Customer relations

Complaint: I sent out a payment via mail in a check form because the website was down and the phone number provided to pay my bill was not accurate. I wrote the check clearly out for the due date which was not for another two weeks, knowing it takes a healthy amount of time to get to the bank I was sending it to. The company ran the check before the date wrote, overdrawing my bank account because the funds were not there. They would not refund the check and would not cancel the 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 04/19/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am facing foreclosure after I have been trying to get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ).  - The lender has also not provided a response to our qualified written request for the loan history needed to assist our client.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: My name is XXXX XXXX XXXX and I have a Macy 's Credit card reward joint with my husband XXXX XXXX XXXX. I would like to file a complaint against Macy 's for unfair credit discrimination and retaliation.I had filed a complaint against Macy 's before regarding almost same issues but ever since I filed the complaint, Macy 's has been retaliating against us numerous times for no reason. We feel that we are being attacked by Macy 's lately. Every time I call they continue to ask my husband information to verify the account after I provided them with my information and I explained to them that I am a card holder not an authorized user. They drop our credit limit XXXX to 4 times in less than a year. My Daugther has a Macy 's credit card and they drop her credit limit once in 1 year and she pays her bill every other month. I recently contacted Macy 's and requested our bill to be send in the mail because I have a problem signing up online and until this date they have yet to do so. The law provides protections when we deal with any organizations or people who regularly extend credit. If I am responsible to pay the bill, why they do n't increase or decrease our credit limit based also on my credit score. My husband is a victim of I identity theft and is taking a long time to fix it. I have contacted the corporate office numerous times and they never return my phone call but my husband calls who 's XXXX and a XXXX they intermediately return his phone calls. Macy 's has been violating the Equal Credit Opportunity Act. Our account is open since 1996 and Macy 's does n't take that into consideration.

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 12/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been a homeowner in my current home for approximately 10 years. Every year I have always paid my property taxes. I have never had a escrow account and it was never in my loan documents for me to have an escrow account. My county issue our tax bill in the month of XXXX. It is due in XXXX installments which is in XXXX and then again on XXXX XXXX. This year as in previous years I plan to pay my bill prior to the XXXX XXXX deadline. When I went to pay my taxes on XXXX XXXX, 2016, I discovered that the taxes had been paid and I did not know how or why. A week later I received a letter from Bank of America stating that starting XXXX XXXX, 2016, I would have to pay over {$2400.00} a month because they had paid my taxes on XXXX XXXX, 2016 and open me up an escrow account which I never had and did not want. I called them and advised them that I had the money to pay my taxes and I did not want Bank of America to pay my taxes. I paid them the amount they had paid for the taxes but the refused to put my payment back to the original amount of {$1600.00}. They said I would have the pay the {$2400.00} for a year and then they would review my account at the end of the year. I advised them that I could not make these increase payments because I am on a fixed income and my taxes had been paid which was only {$3800.00}. I advised them that all taxes they had paid was paid by me and now the escrow account that they had open was at a {$0.00} balance. They still refused to put my payment back to the original amount, even after talking to several of their employees who stated if the escrow amount was at {$0.00} my payments would return to the original amount.

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 01/14/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I attempted to make a payment on the company 's website, and they took the money, however, I received written correspondence stating that they wo n't honor the payment to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with BCA Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received attached collection letter. 

Hereby I attach my letter of XXXX of the alleged debt.

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 Ad Astra Recovery Services Inc (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: on XX/XX/XXXX I mailed a certified dispute letter to Ad Astra Rec., on XX/XX/XXXX the received the letter, XX/XX/XXXX they sent me a copy of the original loan agreement. On XX/XX/XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have four hard inquiries on my credit report that should not be there. These inquiries are here due to inquiry issue! I would like them removed. 

XXXX, supposed inquiry date : XX/XX/XXXX XXXX : supposed inquiry date : XX/XX/XXXX XXXX XXXX XXXX supposed inquiry date : XX/XX/XXXX XXXX XXXX Supposed inquiry date : XX/XX/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 02/13/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have never opened an account or had an account with these people. This is a result of fraud and identity theft. I have disputed and contacted them with no resolution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient issued a late fee before sending an actual billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX has put me in collection and my debt was paid. I was not told I was going into collection as I was not aware of this at all. When I received the paper stating that I was in collections is when I paid the balance of {$430.00}. This was disputed and was suppose to be taken off my credit report as it is not. I just recently purchased a vehicle and it effected my monthly payment as it shows I am in collections. When I had fought this several years ago I was told it would be off and again it is n't and it is effecting anything I need to do in the future. I am not happy with this as XXXX is a big company and was paid with no problem. The collection name on my credit report is called GC Services on XXXX/XXXX/13. I would like this to come off my credit report so it does not effect me purchasing a house in the future, as stated it already has effected me purchasing a vehicle. I do not have any other debt on my accout as I pay everything on time and do not have anything out standing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Wells Fargo had reported me to XXXX XXXX XXXX XXXX years ago because of numerous overdraft fees. I told them to close my account because there was an unauthorized transaction that came through and the bank knew I didnt have the money. They have also violated federal laws in issuing these fees. I had signed the agreement that stated not to overdraft my account.

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 05-12-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Original creditor XXXX paid- account in good standings. 
Portfolio Recovery reporting same account with wrong Original Creditor listed. Reporting Late as 0f XXXX/XXXX/15 on XXXX and XXXX credit reports. Do not owe debt. No terms/agreements. Also, Portfolio Recovery modified account number from XXXX account and reporting it on XXXX account. Original creditor XXXX- aged account XXXX - Paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: First Disputed this debt on XX/XX/XXXX with all 3 credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Portfolio Recovery Associates, LLC has been reporting on my credit and fails to provide proof of my obligation to 2 alleged debts which has been requested two times already. They have sent me spreadsheets with an account numbers and balances of these debts from the original creditors, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see a signed contract saying that I am liable for these 2 debts and that Portfolio Recovery Associates, LLC has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Portfolio Recovery Associates, LLC, they state " In response to your dispute, we have requested that the 3 major credit bureaus change the status of this account to dispute resolved consumer disagrees. '' I feel that this action was taken by Portfolio Recovery as retaliation for disputing these debts. These debts are beyond the Statute of Limitations here in Pennsylvania. I have also requested that Portfolio Recovery stop contacting by phone, and only contact me by US Mail. However, they continue to call me. I am requesting to see a signed contract for each debt and creditor with my signature on it, verifying that these debts are in fact mine.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: i tried to call this number and i can not call long distance. I thought my complaint was pretty well described, I had a card with capital one and told them i wanted to close my account and when i tried to make the last payment they refused to take the payment .I called to find out why and was told my account was frozen. so this became their account they controlled the blocking of my final payment which isIllegal this is what i learned from XXXX free legal advice and they told me how to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a hard inquiry on my credit report dated XX/XX/2017 from CBNA. I don't know who this is or why it is on 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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to submit a fraud alert request online with Experian on XXXX/XXXX/XXXX. They ( their website ) said I could n't do that, but that I could mail my documents in or go to their upload page. I am the victim of identity theft and am wary of sending all of my important info through the mail, so I opted to do the upload. 

On the upload page ( XXXX/XXXX/XXXX ), I tried 5 times to submit documents that complied with their format requirements ( PDF or TIF ). Not sure why the PDFs did n't work. I submitted TIFs, and was told that they need to be in XXXX and white. I submitted TIFs in XXXX and white, and they continue to tell me that they are not in the correct format. 

There is no way to talk to a human being if you call Experian, and there is no email or chat assistance. This is incredibly frustrating for someone who is in the very stressful situation of having to deal with identity theft.

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 01/27/2017 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Phoenix Financial Services is maliciously reporting to all 3 bureaus and that I owe {$1000.00} on an account that has a XXXX balance and that 's completely false!!!! I do not owe anything ... .I have documents to support these lies .... I 'm stress out my credit score has dropped due to these false claims. PLEASE GET THESE CROOKS OFF MY BACK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like to thank your office for the swift response to my initial inquiry concerning XXXX , XXXX and XXXX XXXX XXXX XXXX. Per your request this is my formal complaint against the above listed companies for their business practices. 
I recently applied for a to a bank for a loan that would significantly reduce my interest rate, on XX/XX/2016 I discovered that a judgement that I had no knowledge is on my credit. I subsequently contacted the XXXX major bureaus XXXX, XXXX, EQ and proved to them that this debt is NOT mine, I have never received any financial compensation or benefits from this card. 
I am sure that XXXX XXXX is very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. 

I request that you contact them, demanding they provide me with copies of documents proving that I was properly served a subpoena for that judgement in question. 

I also request CACH validate this accounts account according to the FCRA. 
Validation of the debt must include What the money you say I owe is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay you what you

Company response to consumer: Closed with explanation