milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Mortgage (FHA mortgage) with Selene Finance LP (NY).
Issue: Application, originator, mortgage broker

Complaint: We obtained an FHA mortgage in XXXX 2009 with XXXX XXXX. Shortly thereafter within the same year XXXX XXXX was shut down by the Federal govt. Our mortgage was shipped to XXXX in Virginia. We ran into numerous problems that they did not provide to us ( i.e., original Title policy charged in orig. mortgage, asking us to pay {$10.00} a document when we submitted a QWR asking for the Assignment of Note from XXXX XXXX & discrepancies in Settlement charges ). From 2009 until present, XXXX has given us a plethora of Assignments - XXXX, XXXX, XXXX, XXXX. Approx a yr ago, we received notice form Selene Financing informing us that they would be servicing the Loan. After some months, they informed us that they were the Lender, even though they did n't identify themselves as such when sending us correspondence. They were acting as servicers for XXXX. We asked who sold them the Loan and if they would send us a copy of the Assignment. They told us XXXX sold them the Note, and Selene mailed us a copy of the recorded Note with the FHA #, LoanCare 's acct #, and the MIN # blackened out. What I ca n't fathom is how could XXXX sell the Note/Assignment when they have NO Assignment from XXXX XXXX?! I 've asked XXXX on several occasions to produce the Title policy included in the original mortgage but their response was " We have nothing to do with the origination of the loan. '' I 'm sure Selene will give us the same response. Does this mean XXXX, Selene and whomever comes along out of these tranches can lay claim to the property and not explain the services & charges that were not performed in the origination of the loan? We would like a resolution but we are so very hesitant to deal with these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. 

XXXX XXXX 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : ( XXXX ) XXXX General Fax : ( XXXX ) XXXX XXXX XXXX XXXX. 
*********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. 


XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Payday loan) with Direct Recovery Services, LLC (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Direct Recovery Services ph # XXXX XXXX XXXX reps name XXXX XXXX called me I spoke with him told him I am working with a company to consolidate my debts he just hung up on me then called my mothers phone and stated that if I do n't call him back I will be in more trouble then I ever have been in my life then he called my partners phone 4 times and my phone 4 more times I told him to cease and desist all calls and he told me I better watch out then he hung up on me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 10/18/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: OCWEN bank claimed to represent a bank that folded and could n't provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (I do not know) with Astra Business Services (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX continue to receive calls from " Astra Business Services '' XXXX, stating I owe money from XXXX XXXX XXXX from 2011. The person on the phone had an old address, and the last XXXX digits of my social security number. They requested my new address which I did not give them. I called XXXX XXXX XXXX and verified that I never had an account with them under my name and had no outstanding debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I sent a subpoena to JP Morgan Chase to get all records on a house I purchased on XX/XX/XXXX. I did not hear back from them.

Company response to consumer: Closed
Consumer complaint received 06/26/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they have calling me time and time again even when I have told them not to call me any more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I opened the freedom credit card with Chase bank XX/XX/2014. I used the account once, but my account was compromised - with someone using my account at different points, once in XXXX, XXXX. The freedom credit card was linked to my checking account and Chase withdrew money to cover charges I did not make. They refunded some of the monies, but a portion is outstanding..

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On the XX/XX/XXXX, I received a bill for opening a Sapphire Credit Card , {$450.00}. I NEVER EVEN APPLIED FOR ONE. 
I called their XXXX XXXX XXXX XXXX Customer Service No., spoke to 'XXXX '. While canceling the card, she divulged that the Information that was given to them, was my Name, home address, Age, Soc.  Sec. No., an Incorrect email address, home phone. 
I asked why they did NOT CALL, OR TRY TO USE THE EMAIL. BOTH WOULD HAVE STOPPED THE FRAUDULENT APPLICATION! She did n't respond. She just said it was Fraud. 
Though no one has used the card. I want Any and all fines to come to Me, for their XXXX handling of my Identity Information. Their view, that this was a XXXX Breach, is irrelevant, and Chase just tried to make it a Money making event. 
They did NO DUE DILIGENCE, and instead, chose to make it worse. 
The card started on XX/XX/XXXX, I ended it on XX/XX/XXXX. As appears on their bill, XXXX XXXX  {$22000.00} Avail. Cash {$4800.00} I 'm sorry I am furious That I a Retired, XXXX Citizen, am subjected to this. 
I thought that all those unsolicited Chase Card applications would cause problems, despite my attempts To get them to STOP SENDING THEM. IF THIS OFFICE HANDLES COMPLAINTS ABOUT XXXX I NEED TO MAKE ONE. I HAVE XXXX XXXX AND AM BEING HARMED MINUTE BY MINUTE BY CHASE AND XXXX. 
PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,   XXXX   60 days  XX/XX/XXXX  90 days  XX/XX/XXXX  30 days   XXXX   XXXX   am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My wife and I had to short sale a house through XXXX which was done successfully on XXXX XXXX, 2010. This company was purchased by XXXX XXXX who claim they have no record of the transaction and referred us to their debt collection company, XXXX, who claims they have no record of the transaction. XXXX 's entry on our credit report says foreclosure not closed. The entry of forerclosure not closed or short sale prevents us from refinancing our house even though we have very good credit. Equifax does not have a clear way on their web site to dispute an entry. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Sierra Holdings LLC (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: my credit report from XXXX says I lived at a address that I never lived before and debt is from XXXX which I never had a electric bill in my name with a balance of XXXX dollars I even took paper work to them to prove I never lived at the address tried to do everything they ask of me

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Credit card) with Love, Beal & Nixon, P.C. (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX, XXXX, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, on XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (CO).
Issue: Closing on a mortgage

Complaint: To whom it may concern, Quicken Loans advertises financing as easy as 1-2-3 but that is not the case. In fact many real estate agents I have worked with say quicken is not a good way to go. A : Quicken has held me hostage to " conditional '' approval of my loan- even after all of my objection deadlines for the property that I am under-contract for. This strategy gives them the upper hand and lets them set the terms. B : Quicken requested repairs to the property that were not requested by the appraiser and not considered an impact on the valuation of the home. They said, " Its something they just wanted done. '' It almost killed the deal, cost me money on a property I do n't own yet and made it impossible to do an appraisal objection since it was quickens request- not the appraiser. C.Quicken has asked for documentation for every amount down to {$100.00} going in and out of ALL my bank accounts. Basically causing me the inconvenience of 'freezing ' my account activity so that they will not HARASS me with any more documentation requests.
D. Quicken keeps on coming up with new " problems '' they had n't noticed before like asking me to pay off my auto-loan to qualify AFTER they had already qualified me. The auto-loan had been there all along. It is my professional opinion and that of my legal counsel that quicken is doing whatever they can to block this loan. E. Quicken has repeatedly attempted to find ways to charge more points to my loan so that it is more profitable to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Wrote letter on XXXX-XXXX-2017 to Diversified Consultants that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Diversified Consultants to removed incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Diversified Consultants

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: IQ Data International, INC     XXXX   XXXX     XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX  Reported to my credit negatively last on  XXXX / XXXX /  XXXX  . The alleged debt was originally for  XXXX  and now the debt is  XXXX . I do not own this debt. This debt belong to my ex spouse that was in the military and discharged and labeled unable to   XXXX   due to  XXXX . I had to sign the lease because I was over the age of  XXXX  and they needed to run a background check. I had NO income which was clearly marked on the application. I have requested the debt be removed from my credit report permanently and null and void. I do NOT own this debt. They have not removed this debt nor acknowledge the true ownership of this debt. I do not own a valid contract as a co-signer on this application or debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been a victim of identity theft and I have XXXX fraudulent collection accounts that is on my trans union credit report. I filed a police report and submitted to the company as I was told to do once I found out about these accounts. I was told once they received the police report that the accounts would be deleted off of my credit report. I sent in my police report and then I called to check to see of they got it, now the supervisor is telling me the only thing they can do is redispute the account. The company are not sending documentation that these accounts are mine, they are only verifying through an electronic data which has my information. NO signed contract no agreement that these accounts are mine not anything. They are not holding up their end of the agreement and I am being accused of something I did not do.

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 11/16/2017 about Debt collection (I do not know) with National Credit Services, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Around 2015, i applied for a graduate program in XXXX XXXX which i was granted and i was given a grant of 2,000 plus, but in my admission letter, it was not stated that i will pay back the grant if i drop out of the College, but the college wanted me to pay back the grant after, they have me pay the loan i borrowed for the little time i was there. 
I have asked them so many times to send me where or a letter that states i have to pay back the amount if i do not finish my course in the college, which till date i have not seen and thing from the college and just for me to see that i had been taken to a collection agency. 

Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have XXXX public records listed on me credit report with Equifax. I have requested that information be verified that it belongs to me. After multiple reply from Equifax indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. Equifax has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of equifax has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (UT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Citi Best Buy has failed to readjust the minimum amount since the previous months minimum amounts were due to fraud charges taken my balance higher than it should of been. They have failed to readjust the minimum amount and give a credit for the amounts overpaid the last few months. Additionally my online access is blocked partially. I have repeatedly talked them about these matters with no resolution as of yet. Still waiting on the new card as well.

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 03/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: They took my money via wire transfer and promised a recast of my mortgage and did not do what they said they were going to do. It has been 3 months of fighting with them to correct the new payment amount. They lie, say there is no recast department however their forms sent on their letterhead states Att : Recast ; they say they never received the forms, I sent the tracking slip from the post office showing they received it ; they state they never received my emails but when I log into THEIR online messaging system it shows all of my emails to them along with their generic auto response : Thank you for contacting Nationstar a customer service representative will contact you '' which they never do!. They drop my calls and refuse to help, they are predatory lenders. To date, I have spent several hours on the phone with them as well as faxing and emailing them with no response or help whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Payday loan debt) with EZCORP, INC. (CO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: on  XXXX / XXXX /   2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt being turned over to collections before. I Was home all day the next day and no one showed up. Call ed my county clerk and  no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX /   2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX / 2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017   XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Payday loan debt) with Global Trust Management LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked repeatedly for Global Trust Management to stop calling my place of employment. Not only am I not allowed to take personal calls but this is putting my job in jeopardy. If I have no job they have no way of me repaying them. They also continue to repeatedly call my cell phone multiple times a day. I have already given them a date when I would be able to start paying them, but they consistently keep calling both personal and work phones. I understand I need to pay back and I will but they are invading my rights and not taking into consideration their actions or my situation. I receive over 15 calls a day from them always from different phone numbers. It is getting worse each day.

Company response to consumer: Closed with explanation