milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX we got a Home Mortgage Equity LOAN, not equity line, originating with XXXX XXXX. At that time and with our poor credit we had to go with a high fixed rate of 12.25 APR interest. We signed up for a 15 year loan that is supposed to be completed in XX/XX/XXXX. After getting the loan we put our heads down and just kept it paid. My wife and I have been paying this loan for 11 1/2 years. Recently XXXX sold (? ) our loan to Select Portfolio Servicing ( SPS ). Today I received the first statement by mail from SPS and was very confused when the figures were computed. In XX/XX/XXXX we took out a 15 year Home Equity Mortgage Loan of {$25000.00} ( XXXX XXXX XXXX dollar ) with 12.25 % APR interest rate, and as of today we owe, according to SPS, {$24000.00}!! We have n't missed any payments and have paid on time. According to the statement, the payment due is {$260.00} a month with {$26.00} going to Principal and {$230.00} STILL going to Interest. I called them today to find out about getting the correct amount owed where it should be and the lady I spoke to insisted that the numbers were correct. So after paying {$260.00} a month for 11 1/2 years on a {$25000.00} ( XXXX XXXX XXXX Dollar Loan ), we still owe ( according to SPS ) {$24000.00}. According to these numbers we have paid approximately {$33000.00} in interest, yet only {$3600.00} has gone toward principle on a {$25000.00} loan at 12.25 % for 11 1/2 years. When I asked how this loan could possibly be paid off by XX/XX/XXXX, she stated that " there will be a balloon payment at that time ''. I then asked the amount of the balloon payment and she said " It 's not on here. '' referring to our paperwork By my calculations our " balloon '' payment will be {$12000.00} IF every monthly payment from this point is applied to the principle, which it wo n't. The other issue I 've discovered is that in XX/XX/XXXX, XXXX had our loan balance amount at {$23000.00} outstanding, but somehow SPS has increased that amount to {$24000.00}. So they are charging us an additional {$610.00} for a " Deferred Principle ''. I asked that we be mailed the paperwork SPS has for our loan and they claim they will send it in 5-7 business days. This must get sorted out or e will never be free of a loan that is supposed to mature in XX/XX/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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XX/XX/2012I was hospitalized for a injury sustained in military service to our nation. During this time I missed one payment and my minimum payment shot up to 800-900/mo. I was unable to pay that so I kept making  payments and sought relief under the soldier sailor relief act. Chase continued to charge exorbitant interest payments pushing me further and further behind. To their credit they sent me a check about a year ago refunding me for all the interest that they had illegally charged me. 

However, they pushed me up over my limit with fees, and then applied more fees. Finally they offered me a settlement on my accounts for significantly less then what I owed. I declined their settlement because my personal honor required that I pay any honest debt. 

At that time I made an arrangement, I agreed that I would repay every dime, including their fees, for them to remove all negative marks from my credit report. I kept my part of the deal and repaid them every dime. Chase however, has not kept their end, they have 11 derogatory marks spanning two accounts that they agreed to remove. Further more these accounts are inaccurate due to the simple fact that I was making payments which they claim did not satisfy their exorbitant minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with First Step Group, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company identifying themselves as FIRST STEP GROUP contact me through a letter dated XXXX XXXX XXXX about an alleged debt that do not belong to me, and is many years past the statue of limitations.The letter stated that they are collecting on behalf of XXXX, XXXX.This account fell of my XXXX credit reports about 4yrs ago.the company letter also stated ; THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT.BECAUSE OF THE AGE OF YOUR DEBT, XXXX , XXXX WILL NOT SUE YOU FOR IT, AND XXXX , XXXX WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY.I contacted XXXX XXXX XXXX and was told by them that they do not have an account with my name on it on file.It is my belief that this company is trying to collect a debt that is way past the SOLand a debt that do not belong to me.I have disputed this debt with them and have not received any verification as of this date XX/XX/XXXX.This is a matter that dates back to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (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: There are 4 accounts on my credit report that i have never opened cor applied for credit with. 

I contacted the companies ( XXXX, XXXX XXXX & XXXX ) directly as well as XXXX  XXXX amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.

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 10/17/2016 about Debt collection (Credit card) with Nudelman, Klemm & Golub, P.C. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am not really sure who to complain about. I was delinquent on 2 XXXX cards. On XX/XX/2014, I came to a settlement, in court, with a law firm Nudelman, Klemm, and Golub. This law frim claimed that they were representing XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX, attempting to collect. I looked at my credit report and saw that both XXXX AND XXXX were listed as companys that I owed. When I contacted XXXX, they told me that they sold my debt to XXXX. Why am I paying Nudelman, Klemm, and Golub? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX? If so, this is fraud.

Company response to consumer: Untimely response
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to XXXX as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from XXXX stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue and contact Portfolio Recovery ( XXXX ) to report. On XX/XX/XXXX, I sent a letter to XXXX. On XX/XX/XXXX, I received receipt the letter was received. However, XXXX sent a letter stating the balance was XXXX and remained on my credit report. This is a problem with these companies have. Not only do they disrespect the process victims of ID theft have to go through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Variable student loan interest on three out of three accounts set to highest possible percentage. All payments have been made on time, in full, and even additional principal has been paid of. Credit scores of account holder have improved and stayed at a score range of XXXX to XXXX. Immediate questioning and discussion to loan vendor ( Navient ) were engaged. No information or explanation was given as to the determination of current interest rates and the increase of said rates. Multiple phone calls to inquire on this matter have failed to gain any real reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Back in XX/XX/XXXX/XX/XX/XXXX my wages was garnishes for a student loan that I was unaware of the origin. So as I kept trying to go back to figure out who the original company was to even know if this was accurate to stop the garnishment. The company I dealt with agreed to stop the garnishment but I had to agree to switch the new payments to XXXX. The companys name is GC services. This happened in XX/XX/XXXX. So whenever I attempt to log on their website and pay it says my information is incorrect. I then pull my credit report and I realize my date of birth is incorrect which is now making me wonder if this loan even mines to begin with. It separate from the other loans I have had. So Im looking for some clarification. I attached what information I had from GC SERVICES. Again a loan was being garnished and they were taking all of my paycheck at the time. They sent me documents and told me my loan would be restructured and thats how I started with XXXX. I mistakenly never asked for proof of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Payday loan () with ACE CASH EXPRESS, INC. (OH).
Issue: Can't contact lender

Complaint: I 've been receiving a number of email from someone claiming to be associated with ACE Cash Express , Inc. A few were subpoenas to appear in court, and the latest is from a XXXX claiming that an arrest warrants has been issued unless I pay a settlement amount. The email includes such threats as reporting the case to my employer which WILL result in being terminated and blacklisted from any job. What a bunch of bogus. I do n't want others to fall victim to this obvious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was evicted by XXXX XXXX and XXXX XXXX XXXX XXXX. I was being harassed so badly by NCC business Inc. so I paid NCC Business services in full XXXX XXXX, 2016. NCC Business Services Inc never validated that XXXX owed the debt and the also refuse to submit validation of my dispute. NCC has not provided proof of payment in writing to me or XXXX XXXX, NCC continues to report the debt as unpaid on our credit reports for my Son and I. I have called and requested a letter to validate they were paid in full and the representatives including Managers, XXXX XXXX, XXXX and XXXX fail to provide written proof. The funds were removed from my checking account but is still showing as debt outstanding on my credit report as well as my son 's credit and he was denied an apartment for rent because of this. NCC also are still reporting to XXXX XXXX this debt is still owed. NCC Business Services also refused to verify payment to the property management company where XXXX applied for housing. As a result the price for the home has increased and he was not approved. I dispute this information because I paid {$2300.00} electronically to NCC Business Services XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/XXXX I voluntarily returned a Ford Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XX/XX/XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Finkelstein, Kern, Steinberg & Cunningham, PC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This continued documentation of a complaint we have filed on case XXXX. We want to submit further proof of the collection practices of this law firm. We have paid the original amount off and now they are attempting to collect interest at 10 % 6 months after the amount filed in court has been paid off. This not only happens to us but also to many people who are already having problems and this type of collection practices further damages consumers and is allowed without representation in the court. This law firm has been saying they are working with us but have only sent letters without a payment amount nor have they in our complaint sent us any documentation. As the documentation will prove they are not telling the truth. They garnishment filed against my wife 's wages on XX/XX/2016 states she owes {$5200.00}. It has been delivered to her place of employment and is actually going forward if they do not accept the XXXX dollar amount she has asked them to accept. She is doing this because the lawyers we have contacted only attempt to get her to file bankruptcy. Your agency stated it helps consumers and right now it does not feel like it. attached is their most recent legal action even though they are telling you all they are working with us. The clerks office in XXXX told us this firm is the worst and that the judges allow it. Also when my wife called them today, they told her here knew amount was over XXXX dollars not the XXXX filed in the court. 

XXXX. 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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.

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 09-08-2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Trouble during payment process

Complaint: When I originally called  Rushmore  to ask about getting my   Property Mortgage Insurance removed, they claimed that the only method to get it removed was to have an appraisal done on my house. However, according to the federal Homeowners Protection Act, this should have been removed automatically when the principal balance reached 78  percent of the original value of my home. According to my mortgage statement from Rushmore dated  XX/X/XX , I met the 78 percent threshold before I even requested the PMI to be removed.
In addition, after Rushmore received my authorization for an appraisal to be conducted via fax on   XXXX   XXXX   XXXX  , they failed to actually order the appraisal until   XXXX   XXXX   XXXX  . I believe this was purposely delayed to keep me paying the PMI since Rushmore benefitted from this insurance which seems to be a conflict of interest. I had to call three  times after   XXXX   XXXX   to ask for updates and only after I requested to speak to a supervisor on   XXXX   XXXX   did they finally admit that I had already submitted the authorization for appraisal and that the appraisal should have been done weeks ago.
Rushmore has failed to be transparent during this entire process, and as of   XXXX   XXXX  , has placed a cease and desist hold on my account stating there will no longer be an type of verbal communications, outgoing calls or written correspondence except as otherwise required by law. When I requested phone transcripts of my calls with Rushmore and more information regarding how the process to remove my PMI should have taken place, they refused to offer this information. They have refused to even tell me how much my home appraised for after requesting this via phone call on   XXXX   XXXX   and in writing through their secure message portal. The cease and desist hold seems like their form of retaliation against me and also a way to intimidate me as the consumer.
After my call to Rushmore on   XXXX   XXXX   I was promised a follow-up call with a supervisor to ensure my request was moving forward. I did receive a call on   XXXX   XXXX   at   XXXX   EST   but was unable to answer. The left a voicemail promising a return call in 30 minutes but I never received one or was given a number to contact this person back specifically. This was just another moment in which Rushmore  failed to deliver on what they promised me. This also includes them failing to respond to provide recordings or even phone transcripts of calls I had them that I had also requested.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Delinquent account

Complaint: In regards to  XXXX , In addition to the CFPB grievance I had filed, I disputed my entire last payment on my credit card ( sometime in  XXXX   XXXX   ). I  had contacted  XXXX  in regards to Capital One potentially not following their side of the Consumer Agreement ( or similar agreement governing my relationship to Capital One and/or use of the Capital One card that I had been assigned ). After much deliberation,  XXXX  determined that I was not required to submit payment to Capital One since Capita l One had viola ted certain terms in its Cardholder Agreement ( or similar document ). After a while, I had attempted to login to my Capital One account where I was informed that I had an outstanding balance of the amount that I had disputed, plus some fees ( sometime in  XXXX   XXXX   ). I had contacted Capital One through its online chat ; the chat operator informed me that I would need to contact Capital One directly over the phone to dis cuss the matter. After I contacted Capital One by phone, a representative informed me that I would need to speak to the fraud department for Capital One during normal business hours ( I had called after hours ). I had reached out t o Capital One 's Fraud Depar tment a few days later. The Fraud Department 's representative stated th at Capital One would i nvestigate the matter and then get back in touch with me, which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a response  from U S Bank mortgage. I would like for them to provide me with the interest statements reported to IRS from  XX/XX/XXXX - XX/XX/XXXX . I 've pulled all of my tax transcripts. I never received them to file returns. I am trying to take care of IRS. U S Bank Mortgage was added to the bankruptcy court on  XX/XX/XXXX  when  I filed. I filed bankruptcy due to the fraud acts. I needed the courts to sort everything out. I need all of my interest statements on the property at  XXXX   XXXX   XXXX   XXXX . I 've pulled all of my transcripts from   XX/XX/XXXX - XX/XX/XXXX  wit h IRS. A series of payments was made to US Bank Mortgage, different account numbers. The payments was made by  XXXX    XXXX   XXXX   &  XXXX   XXXX . {$100000.00} was sent to US Bank Mortgage o n  XX/XX/XXXX  fr om  XXXX   XXXX . My account was used I had with  XXXX   XXXX , via  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