milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with Signature Bank (NY) (NY).
Issue: Trouble during payment process

Complaint: XXXX XXXX and XXXX XXXX XXXX own XXXXwo cooperative properties that have been combined at XXXX XXXX XXXX XXXX XXXX and XXXX. Signature Bank provided loans on each property. The balance on XXXX XXXX is approximately {$100000.00} with a regular monthly payment of principal and interest of {$600.00} and XXXX has a balance of approximately {$400000.00} with a regular monthly payment of {$2200.00}. On XXXX XXXX, 2017 we received a certified letter advising us that our property was about to go into foreclosure unless we paid {$20000.00} representing 4 monthly payments, a charge for insurance on each property, an assessment for a payment made by the Bank to the cooperative corporation for a maintenance assessment, legal fees and other charges. We sent to the bank proof that we have insurance ( which had been done previously ), proof that reimbursement of the maintenance assessment was made to the bank, proof that we have made all payments except for the month of XXXX and XXXX. They advised us that no payment was made in XXXX and XXXX. We sent them proof that a double payment was made in XXXX which related to XXXX and XXXX and that we had already sent them XXXX which they denied receiving. We sent them a replacement check for XXXX as well as checks for XXXX and XXXX which they returned to us insisting that no funds will be accepted unless the full amount is received. It appears that they are ignoring our proof of payment and acting in bad faith

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with experian after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Capital one gave an account to XXXX XXXX XXXX and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (TX).
Issue: Taking out the loan or lease

Complaint: Gateway Lending is reporting inaccurate and erroneous information regarding a loan that I had with them. Traded in this vehicle and asked for the payoff, the payoff amount was submitted in writing to XXXX XXXX XXXX. After the trade in transaction was completed they reported to the credit bureaus that I owed them over XXXX in arrearage to. In addition to this this company knowingly repossessed the car at one time knowing that it was in an active bankruptcy and that they were breaking federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I had XXXX deposit accounts with JP Morgan Chase. A Checking and Savings. Upon calling to check my account balance on XXXX XXXX, 2016, I was informed by the telephone representative that after investigation, Chase has decided to terminate our banking relationship and has closed all my accounts. When asked why, they explained that they do n't have to disclose any additional information in regards to the matter. I explained to them that my direct deposits from my employer were scheduled to hit the account the next day. She advised me that all of my cards have been deactivated and that I would have no access to any of my funds. When I asked when I could get my funds, she stated that I would receive a cashiers check in the mail, 7-10 businesses days after the close of my account. Today is XXXX XXXX, 2016. I have spoken with multiple representatives who have all told me different versions and dates associated with this matter. To resolve the confusion, I requested documentation of the the date this " investigation began, the date it was completed, the date both of my accounts were closed and the ending balance for both of those accounts. Along with documentation of the date my remaining funds were mailed out. Loss prevention and the fraud department both told me that there are no such documents available. When asked if I could receive a tracking number for the check, they explained that tracking numbers are only provided to customers with {$5000.00} or more. Everyone else is on their own. I then escalated my issues to the executive office, where I spoke with someone by the name of XXXX. He informed me that those documents do exist, but for internal use only. When I asked him where this information was located in the terms and agreements for my deposit account, he said it 's not. And if I wanted to get that information, I would have to obtain legal representation. So here I am. I have yet to receive my remaining funds in the amount of {$400.00}. I have had to pay multiple late fees for various bills, I could n't pay my sons tuition because at the time, all my funds were tied up in the account. He has now been dropped from his program. I understand that they can close my account whenever they want, but this is insane. I ca n't even get documentation to verify the numerous lies told to me. Please let me know if there is anything I can do, or if I am just at the mercy of the bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: in XXXX of 2013 I was signed up for my first cell phone in my name by a member of an XXXX Kiosk team. He explained to me that I had a certain amount of data to use each month and as long as I kept my wifi on I would have no problem staying within my monthly limit. During the first month of service my " Data used '' was at XXXX every time that I checked it, which happened to be once a day and sometimes XXXX. I was a little worried that it was n't updating correctly but I let it run it 's course for another week or so. During that week I began to receive texts from XXXX saying that I was over my monthly limit for data and I would be charged an extra 20 dollars for each Gig of data I used. I was extremely upset since I had been doing my best to check my data usage every day. I gave XXXX a call and the representative let me know that I could manually turn off my data by going into my XXXX app and she would credit me for the 20 dollars that i would be charged. I did this as soon as I was off the phone with her. Within 20 minutes of turning off my data I received XXXX more texts saying I would be charged {$20.00} for extra usage. I was extremely scared since this was my first phone under my name and I did not want any blemishes on my record. I immediently called back and let them know that even though I turned off my data both on my network and on my phone and was strictly running off wifi that I was being charged for data that I was not using. The next rep. I spoke with told me it was an issue with my phone and I would need to bring it into the store to have it checked out and my bill fixed. I asked if there was anything they could do to stop the data from being charged and they said no, not over the phone. When I went into the store to seek help from a store rep. they promptly sat me down and put me on phone with the number I had called previously. I was being told by the store that I would need to speak with the phone reps. and I was being told by the phone reps that I would need to pay the 2000 dollar bill in full and that they had no records of me ever previously calling and letting them know about the situation. 
Throughout the whole process I contacted XXXX about XXXX times via the phone and went into the store XXXX. They have absolutely no record of me calling and I ca n't get any help from them resolving my issue. I do not believe that I should be harassed and discredited for something that I tried very hard to get corrected in a timely manner. Unfortunately, I do not have any supporting documents as all my bills from them have the " used '' data attached and each say I owe over XXXX each for XXXX month of service for a single line. XXXX also has no record of my XXXX calls.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: I have filed multiple complaints against Select Portfolio Services XXXX the most recent is case number XXXX ) and they refuse to even research the allegations against XXXX XXXX, the original lender. They state categorically that funds in my modification were not used to pay off XXXX Mortgage because there is no written record in the modification that XXXX did. 
I have requested and XXXX Mortgage is in the process of providing me documentatyion that XXXX did indeed pay off XXXX XXXX XXXX is to send me a copy of the bank wire from XXXX as well as the payoff letter that was faxed to XXXX, complete with XXXX 's fax number on it. 
I will provide this documentation as soon as I receive it from XXXX Mortgage, and it will prove that while XXXX was not listed as being paid off, funds from XXXX that were included in my modification were used to pay off XXXX. 
To assert that my loan balance increased over {$50000.00} due to accrued interest, etc is absurd in itself when the original loan was only around {$35000.00}! 
Again, I request that the CFPB requires SPS to do honest research and in doing so will see that what I am saying is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, my husband and I refinanced our Mortgage and got the " Pick-a-Payment '' mortgage loan through XXXX XXXX. Later this adjustable interest loan was bought by Wachovia Bank and later Wells Fargo Bank. We were in the process of refinancing this loan through Wells Fargo Mortgage ( our house is in our joint Living Trust ) when my husband passed away in XXXX XXXX. I continued the re-fi application in XXXX and by XXXX/XXXX/XXXX, Wells Fargo declined the application only to have our consultant call on XXXX to say that they could do the new loan. I have submitted numerous documents regarding the Living Trust, our wills, income/employment/business information plus paid the {$500.00} appraisal fees. Today ( XXXX/XXXX/XXXX ) I have still not heard that the loan is approved and the interest rate increases every year for the XXXX payment. 
In XXXX XXXX, we were sent a {$160.00} check for settlement of the XXXX XXXX Wachovia Bank, Wells Fargo & Company, Wells Fargo Bank , N.A . ; and Does XXXX for XXXX XXXX. XXXX XXXX to settle a lawsuit regarding these predatory " Pick-a-Payment '' mortgage loans. We decided not to cash this check and still have it in my possession as cashing it you relinquish all future legal recourse. This is a predatory loan and I will be seeking all legal resolution if my refinance is not processed within 10 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated tge rights of their consumers under section XXXX. As a result I have been affected as well as my credit score. No notice was given which is also a violation. At this time I am requesting that ALL inquiries be removed. 

XXXX XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX XXXX.-inquiry XXXX/XXXX/XXXX XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry XXXX/XXXX/XXXX XXXX-inquiry 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 08/19/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they keep collecting debt that 's not mine they took me to court and stopped the case because they forged documents signatures etc. so they agreed to stop all collections now they put it back on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion, I disputed XXXX as my XXXX account was paid in full. Two days later, their investigation was complete with " No Change ''. Quick response, I questioned if they even checked the account. I then called Transunion and disputed it again. Result, " No Change ''. So, I contacted XXXX & faxed a document to Transunion that showed two XXXX ) " If I did not pay in full, I would be subject to collections ''. 2 ) My balance with XXXX was {$1000.00}, this same document showed {$1000.00} was paid in full. Result, " No Change ''!!! I call Transunion asking what more can I do to get this issue corrected? They proceed to tell me that I should send in more documents! I asked, " What more is there to send in when I had already sent in the receipt showing this account was paid ''? He told me it was up to XXXX to correct this issue. I asked him " Why is it that whatever XXXX XXXX says, it 's the gospel truth ''? Where are my rights as a consumer? My XXXX account was paid in full. All my payments were paid to XXXX. Once again, I was told to send more documents in. I gave up at this point. This has kept me from refinancing my car to a lower interest rate. I am so frustrated!!! Thank you for your assistance. Sincerely, 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 01/30/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Managing the loan or lease

Complaint: Customer made a timely payment to Ford Motor Credit on Thursday, XXXX XXXX, 2016 before XXXX eastern time. Payment was made by telephone ACH - bill matrix with confirmation number # XXXX. Ford did not credit the account correctly until XXXX XXXX. The account now reflects 31 days past due when it is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not properly verifying account information. I have written over 15 letters to them including disputed information on multiple accounts yet they have consistently failed to remove inaccurate information or explain how they have " checked '' the data. IE in my case, XXXX, Bankruptcy, 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 04-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My application to XXXX XXXX for a credit card was declined and the stated reason was " Bankruptcy on Credit Report '' and the report was stated to have come from Transunion. My credit report as supplied to me by Transunion does not show a bankruptcy therefore they will not let me dispute anything but XXXX XXXX are adamant that the report supplied to them " has bankruptcy related information ''.

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 04-08-2017 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX keeps reporting an auto account that has been discharged in bankruptcy, which I have disputed more than once, among other accounts. Furthermore, my score has dropped XXXX points for no apparent reason and is inconsistent with the other XXXX major credit reporting agencies, XXXX and Experian, by about XXXX points. Also, they report things that are old enough to be removed at this point. I filed bankruptcy in XX/XX/XXXX and in XX/XX/XXXX my old debt was discharged. I have only two credit cards at present, both of which have consistently been pain on time. I would like XXXX credit reporting on my account to be investigated, because my they are seriously impacting my credit score in a negative way while I have been working diligently to repair it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Filaport Acquisitions (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Yorkshire Acquisitions Group has been leaving threatening voicemails, making false claims, and calling me, my family, and my employer at an excessive rate. Side note, they have XXXX separate addresses ; XXXX was given to me in a settlement letter and the XXXX was given to obtain my credit report. The XXXX address is a XXXX. The XXXX appears to be an empty office space. The original debtor does not have record of the debt and neither do I. This place claimed to have sent summons to my employer, but encouraged me to not obtain it and just directly settle with them. They were willing to settle for an amount they verified as an amount I had on a recently opened credit card, but demanded it in 24 hours. They spoke to my husband and said they 'd see us in court before hanging up on him. They implied I 'd lose my home and stated my address, but continually said they were taking documents to my employer. Today they 've called me 4 times today already, called my employer twice, my husband once, and my parents once. They requested information from my credit report as well. I 'm terrified these people wo n't stop harassing me or attempting to steal my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with Credit Karma, Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived in XXXX XXXX in XXXX, Ky. I have no idea how this address is showing under my name. I would like to know why it appears in addresses. I would like this removed and investigated as to why it appears. Has someone tried to obtain a loan or something in my name.

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 07/27/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: There are several issues 1. I could n't get my free credit report because I do n't have Social Security Number. 

2. I 'm keep receiving " prescreened '' offers from lots of companies and I want to stop receiving " prescreened '' offers of credit from companies for 5 years but could n't do that because I do n't have Social Security Number. 

3. The name on prescreened offers is slightly different from my name. I guess the information in the credit report is wrong but I ca n't check it because I could n't get my credit report. 

4. I received a phone-call from a debt collector that I have a bad debt which I do n't know. 

The information that federated law ( debt collector ) told me : I have a bad debt for consumer credit card from XXXX which I did n't pay since XXXX. 

Fact : I entered XXXX at XXXX. Before XXXX, for XXXX years, I 've never lived in XXXX. So I did n't and could n't have XXXX credit card. I also checked from XXXX that there is no such record that I owned account before XXXX in XXXX. 

I appealed this to the debt collector and they sent me a letter and ID theft affidavit. The name on the envelope and the letter were same as prescreened offers, which is slightly different from mine. I doubt the " debt collector '' might be scam but the name on the envelope gives me a sense that my credit report might be wrong. 

5. For the reason I described above, I want to place a fraud alert on my credit report but I could n't because I do n't have Social Security Number.

Company response to consumer: Closed with explanation