milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I checked debt collector on this because this is what this company represents them selves as. I am writing abo ut Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 paym ents of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received   XXXX   of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> I have  also may times asked for them to send me a copy of the Pooling and Servicing agre ement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XX/XX/2016 I received a check for {$8.00} from Wells Fargo. I called the XXXX number on the letter where they asked me for my social ; the whole conversation felt fishy. I went to my bank to discuss this with someone. I was informed my account was closed a month ago. To my shock, I demanded and explanation. No one could provide me an explanation as to why my account closed and why i had received no correspondence. If I received this check, why was I not receiving any correspondence about my account closing? I am furious and concerned. I am certain that there is a flaw in the system and Wells Fargo is not contacting customers about account closures.

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 03/23/2016 about Consumer Loan (Installment loan) with BlueChip Financial (WY).
Issue: Problems when you are unable to pay

Complaint: I hit a rough spot and became unable to pay for simple things needed for everyday life. I asked for the automatic payments that were set up to be held after the bank tolde chances are they are not licensed to lend in Wyoming. Which after much research they are not licensed. They continually call me from numbers that are n't associated with the company. I am just wanting to pay off the remaining principal in installments. They will not contacte regarding this via email as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: BAYVIEW IS ENGAGING IN DECEPTIVE LOAN SERVICING PRACTICES BY NOT PROVIDING UPDATED AND CORRECT FINANCIAL STATEMENTS, PROVIDING INCORRECT ACCOUNT INFORMATION IN ORDER TO CREATE A DEFAULT LOAN SCENARIO, NOT ABIDING BY THE TRUTH IN LENDING ACT, NOT PROCESSING/APPLYING MORTGAGE PAYMENTS IN ACCORD WITH THE SPECIFIED ACCOUNT SCHEDULE, NOT PROVIDING CORRECT PAYMENT INFORMATION WHEN REQUESTED, THEREBY CREATING A DEFAULT STATUS, NOT COMPLYING WITH THE FEDERAL REGULATED ACTS, THAT GOVERN LOANS AND PROCESS, AND THREATENING TO MAKE THE MORTGAGE LOAN IN DEFAULT STATUS, REVOKING A MODIFICATION AGREEMENT PREVIOUSLY AGREED TO BY XXXX XXXX XXXX, UNLESS PAYMENT IS MADE IMMEDIATELY ON XXXX/XXXX/16 ON THE TELEPHONE, WITH NO PROOF OR REQUESTED DOCUMENTATION PROVIDED PRIOR TO PAYMENTS BEING MADE. ADDITIONALLY THREATENING TO CANCEL THE MODIFICATION AGREEMENT XXXX HAS SIGNED WITH NO NOTIFICATION PERIOD OR GRACE PERIOD AS PER FEDERAL LAW, IF PAYMENT NOT MADE ON XXXX/XXXX/16 VIA THE PHONE BY XXXX XXXX, DESPITE XXXX XXXX DISAGREEMENT AND REQUEST FOR PROOF OR STATEMENTS TO BETTER CLARIFY THE SITUATION

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has fail to provide me with on time dispute results since XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with ENCORE CAPITAL GROUP INC. (FL).
Issue: Billing disputes

Complaint: card was paid as part of a settlement. however, is still showing on my credit file and it is affecting my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: hello I received a debt collection notice from Midland Credit Management stating I owe a debt. I do not believe I owe this debt and they can not give me any proof of this debt. I have also tried calling XXXX, XXXX and they all direct me back to Midland Credit Management. If I in fact have a debt I will gladly pay it but I do n't and until I have proof of this I will not pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My name is XXXX XXXX, and my Social Security number is XXXX. Ive had several problems ever since someone decided to use my Social Security number for different things, and Ive been denied my right to [ access ] my credit report information or my credit history regarding my finances, credit, salary earned, debts that I need to verify, and everything else. Nobody has the right to deny me what is mine, and I need it. Ive been deprived of all information and privileges, and my ability to overcome this has been obstructed, because businesses havent hired me due to a lack of information on me.

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 03/13/2017 about Credit reporting () with CITIBANK, N.A. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello, I have sent numerous letters to XXXX regarding the accuracy of this charge off appearing on my credit report. Attached is the last XXXX I sent back in XXXX. The company could not find or locate my account nor verify that the account actually belongs to me. I respectfully request the removal of this charge off on your end based on the violation of the FCRA. The account number is 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 12-04-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX I spoke with a XXXX telephone representative who took my payment. While on the phone with the representative I asked to cancel the television service. She understood that it was not a service I needed. She then provided me with a telephone number for someone in their customer retention department. I assumed that meant I would have to call if I changed my mind and wanted to keep the television service. A month later I receive a bill and note that I 'm still being billed for television services. So when I called to pay my bill I asked them to correct the balance due to reflect a total that would not include television services. The customer service representative indicated that they could not correct my bill and that I had to pay the full amount ( billed a month in advance ). What should have been a {$55.00} monthly fee ballooned quickly into a {$350.00}. dollar bill. I again telephoned XXXX with the request that my bill be corrected and got the same response that they could not correct my bill. In subsequent attempts to reach someone who could assist me - XXXX then needed my drivers license number, SSN, XXXX account number , street address etc. and still could not assist me. I filed a formal complaint with the customer service representative on the phone - who basically told me there was nothing they could do until I paid off their fraudulent charges. I now have a bill for {$860.00} that has been sent to collections for services not provided, equipment and a collection fee. All because I asked XXXX to correct a mistake they made.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I 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 09/28/2017 about Debt collection (I do not know) with Meridian ARG Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: 2nd Call, XXXX2017 around early afternoon..I answered, a " robocall '', ,says, ,If I did n't call back within 24 hrs, they were going to find me arrest me, ,go to jail..First time a lady there, yelled at me saying if i did n't make good on the debit, She was going to call the authorities. It was over a Payday loan over 7-9 yrs ago. 
The amount she said was about / give or take,, {$1100.00} dollars ... I believe the statues of limitations has entered. 
I told the lady the 2nd time, ,that Payday loan was not in there records..I did check it out. 
So is this company still trying to contact me over a debt 7-9 years ago? Of the 2nd phone call, ,she did say what phone service i had..The company was out of XXXX, Ga.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: I have reported to equifax several times that the car judgement on my report is incorrect I also submitted the complaint to consumer finance which exeter finance responded and said they would have it corrected in 45 days but it took well over 45 days for them to correct it so it should be removed but now they stated it has been corrected however the account is still being reported as a charge off when it should be settled however equifax is still reporting it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
Chase Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Chase Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I been receiving calls from   XXXX   XXXX   several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially  XX/XX/XXXX  I received a call from  XXXX  She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if  XXXX  would delete it from my credit file she went on saying it will be on my credit until  XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from  XXXX  in writing or any notifications on how to dispute this debt with them. I went to   XXXX    website located at https :   XXXX   I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want  XXXX  to stop calling me off of an automatic dial system such as " ROBO CALLS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Bank of America is not solving my problem, from last one week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XX/XX/XXXX, I spoke with three different supervisors ( one was XXXX ) and with two others on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. One supervisor says something and the other one says something else. 

Please solve my problem and ask Bank of America to give me a credit of the charge I never made. 

thanks

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 monetary relief
Consumer complaint received 09/25/2017 about Payday loan, title loan, or personal loan (Title loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't contact lender or servicer

Complaint: To whom it may concern, I have been dealing with an issue with Community Choice Financial , Inc ( CCFI ) for almost two years now. The issues and time lines have been addressed previously in CFPB complaint number XXXX. At the conclusion of the complaint, CCFI responded to the complaint asking for me to reach out to a XXXX.XXXX at XXXX x XXXX. I have reached out to XXXX XXXX several times and left messages with no repsonse. Additionally, I have attempted to reach XXXX XXXX by speaking with employees at CCFI asking if they could transfer me to him. Every time I have talked with someone at CCFI, they do not transfer me, they terminate the call resulting in my need to call back repeatedly. I have done this continuously and received the same result, " Hang Up! '' Not only does this make it extremely difficult to resolve the account, it is extremely frustrating and makes me anxious. 

Also in the Company response from CFPB complaint number XXXX, XXXX said they had successfully recalled the collection accounts from XXXX, XXXX XXXX XXXX so the account could be handled internally. Instead of communicating with me like they suggested ; they wo n't return calls, hang up on me repeatedly and then turn around and reassigned my account back out with another collection company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I see all of their practices in this matter to be harassing and misleading. During this time I have not been able to speak with someone my account has over doubled. There is no interest from CCFI to resolve the matter because they had been charging a usury interest rate that I will not be able to ever resolve. I have paid back nearly twice as much as I borrowed when this whole matter started. 

In the interest of resolving this matter, I request this matter be closed and the account be satisfied. CCFI is a large company that has deep pockets to oppress and corner me. It makes me sick and anxious to think about this matter. I have more than paid back the monies and then some, but they will not take my calls, so the balance can quadruple. I request the response from CCFI be a resolution to this matter, not a request for a call. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..

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