milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was sent a letter on XX/XX/XXXX ; from XXXX XXXX., A professional XXXX XXXX, XXXX, CA XXXX ; stating I owe : {$6000.00} from TD Bank USA, N.A. ; account # : XXXX XXXX. I will first state ; the last payment made on this account was XX/XX/XXXX, the account was Charged Off on XX/XX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XX/XX/XXXX, Experian removed it : XX/XX/XXXX. 

XX/XX/XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XX/XX/XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. 

I would like to know, how can Target get a judgement on me in XX/XX/XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XX/XX/XXXX and in XX/XX/XXXX. 

I responded to their first letter on : XX/XX/XXXX ; stating the 7-year diary has came and gone in XX/XX/XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. 

This is when they followed up with their letter on : XX/XX/XXXX ; showing a default judgement for XX/XX/XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. 

What I do know is, Target charged off this account. XXXX removed this account in XX/XX/XXXX. XXXX and XXXX removed it in XX/XX/XXXX 

XXXX Credit report dated on : XX/XX/XXXX is stating and showing ; Target " Charged Off '' and " Closed '' this account on : XX/XX/XXXX. Getting a Judgement on me in XX/XX/XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. 

Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I am writing to you today because I am in danger of losing my home, and I dont feel that my loan servicer, Specialized Loan Servicing ( SLS ), is ethically evaluating my applications for mortgage assistance. I have had multiple hardships the past few years, but I am now in a better financial position and can afford a reasonable mortgage payment. 

When my application was denied, we called SLS asking for details ; we were told to file an appeal to get these answers, so thats what we did ( a copy of that appeal is attached ). Our appeal was denied and we were given incomplete answers at best ( their denial letter is also attached ). Their rationale for the incomplete answers was basically that the new modified payment they are trying to derive must at least equal if not be less than my current monthly payment, and since my current interest rate from a previous HAMP modification is 2 % and they can not go lower than that, they can not derive a lower payment. 

However, my current interest rate is not 2 %. That modification from XXXX was a step-rate modification in which my interest rate was 2 % for only the first five years and increased every year after that until it capped out in XX/XX/XXXXat 4.375 %. Since my most recent default occurred when the interest rate was still 2 %, SLS system shows that as my interest rate and obviously nobody at SLS is doing any research to realize that I am being charged 4.375 % interest when they calculate my arrears every month. I feel it is at least unethical and incompetent, if not FRAUDULENT, to deny my application using an interest rate at 2 % but then charge my account at 4.375 %. 

After the denial of my appeal, we called to question this tactic. We spoke to a supervisor in their Loss Mitigation Department named XXXX who assured us that she would research this and call back.she never called back, and when we tried to chase her down our call eventually got escalated to another department ( Management ),  who assured that they would call back in 24-48 hours. Of course, that also did not happen. Finally we spoke at length with SLS Executive Services Department. We eventually were transferred to a supervisor named XXXX ( # XXXX ). She did not make any effort to answer our questions, but instead insisted that right or wrong the decision would not be changed and advised that we should focus on liquidation options instead of trying to save our home. 

So, in summary, I believe SLS improperly and fraudulently evaluated my application for mortgage assistance and then through horrific customer service refused to answer questions as to how they came to the conclusions that they put in their denial letter.

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 11-07-2016 about Debt collection (Medical) with Integrity Solution Services, Inc. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill was pay by XXXX when I was XXXX 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 01-10-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: Dear Select Portfolio Servicing I am requesting tax documents from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as to date none have been received for mortgage account. 
please provide documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: AS YOU CAN SEE THIS HORRIBLE SITUATION HAS BEEN GOING ON FOR YEARS WITH BANK OF AMERICA! TRY CALLING AND TALKING TO SOMEONE ANYWHERE ANYONE, THEY HIDE AND YOU WILL BE UNSUCCESSFUL! PLEASE REVIEW THE COMPLAINTS AND THE THREE LETTERS I HAVE AND AND WARNED THEM THAT I WAS GOING TO FILE THIS COMPLAINT WITH CFPB! 

XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX ATTN : XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX THIS IS THE THIRD LETTER I HAVE SENT YOU! I AM FILING A COMPLAINT AGAINST YOU WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ON XX/XX/XXXX IF I HAVE NOT RECEIVED A RESPONSE! 
I have spent hours trying to get this matter resolved and because you have stolen our gold and I truly believe that the gold went missing at the bank, you are trying to evade my plea! I simply want this billing and this account closed as you told me you would do a year ago! Now I am being billed again. It appears you are trying to steal more value from me! 


ANOTHER LETTER IS BEING SENT AND FAXED TODAY XX/XX/XXXX Dear XXXX XXXX, I have attached the letter previously sent. I just received a bill and have spent one hour and ten minutes on the phone with XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX! They each one have said they could help me but, this is not resolved. I am going to file a full fledge complaint against you with the CONSUMER FINANCIAL PROTECTION BUREAU with in five days if I am not contacted and assured that this was closed and acknowledge that he box was closed over a year ago!! 


LETTER SENT XX/XX/XXXX Dear XXXX XXXX : Re : safe deposit box, box # XXXX I visited you center located at XXXX and Tollway several months back and complained that my box was missing various items! They did a report and said they would be back in touch with me. I closed the box that day and left my key! I received a bill and have held on the phone for 45 minutes and was referred to you local bank and got into a recording for additional 15 minutes and have still not talked to a live person! You leave your telephone numbers out so customers ca n't reach you and that put the difficulties back the customers ' back! I want this box closed and someone contact me regards the investigation.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 spoke with The Bankruptcy Courts and they emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PHH Mortgage Services Corporation (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This mortgage was included in a chapter XXXX bankruptcy and was not reaffirmed. I have one 30 day late and from I understand this should not be reported on my credit report because I am no longer financially responsible. This has caused my credit to drop by 30 points. It is illegal to report this information as I am protected by the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Medical) with Affiliated Creditors, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation. I believe this to be a HIPPA violation because at no time have I given any of my medical providers permission to share any of my information with anyone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It is reporting twice on my credit report once from XXXX XXXX  once from common wealth finance. Both for the amount of {$63.00} and both with the original debtor as XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud.     The problem is with my former  XXXX  card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as   XXXX   days late on my experian credit report. I was assured that the report would be corrected and the   XXXX    day late would be corrected and removed.     To date, this has not been done and  XXXX  is showing as   XXXX    days late, breaking their promise to me via the letter received.      FIX 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 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX 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 10/27/2016 about Debt collection (Mortgage) with Shellpoint Partners, LLC (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : Shellpoint Mortgage Service XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Line Item : XXXX XXXX XXXX, XXXX XXXX Attn : Research Dept., XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this information several times with the disputes department at XXXX and Shellpoint Mortgage Service. The information will be corrected and then re-aged again. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX XXXX & gt ; XXXX & gt ; XXXX XXXX gt ; Shellpoint Mortgage Service then re-added to my credit report and now re-aged. This is a fraudulent practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had sent a notice to Navient on XXXX XXXX, XXXX regarding private school loans they are showing these loans as open and past due even though they had charged them off and last year had sent them out for collections and were harassing me about them. I am including a copy of that last notice, but want them to remove these from their system and stop requesting payments : XXXX XXXX, XXXX Navient XXXX, PA XXXX Re : XXXX - Account # XXXX To whom it may concern : I am writing to inform your company that I will not make any further payments on XXXX of the loans that your company is servicing and claiming still open. These loans should have been discharged in my Chapter XXXX Bankruptcy, however even though no representative from your company or any other attended the creditor 's meeting your company still determined these were collectable debts afterwards. 
Under duress of legal action against me I was pressured to make the last payments on XXXX XXXX, XXXX towards each of the loans. 
Since then I have informed your company and debt collection agencies you have employed that I will not be making further payment on these private loans. Under the California Civil Code the statute of limitations of four years from the last payment has expired and they have become legally uncollectable. 

Therefore under this law I am demanding no further action should be taken to obtain payments or settlements of the below noted loans including notices, solicitations or requests of any type including Navient 's website which continues to show these as late and is demanding payments to be made. 
I have worked to resolve the federally insured loans having consolidated the debt and will continue to pay on those consolidated loans. 

I am also demanding an acknowledgment from your company of this matter and that these should no longer be reported as open debts on your website or any other records of your company. 

The loan numbers are as follows : XXXX XXXX XXXX Sincerely, XXXX, CA XXXX They did not respond to my letter in any way and continue to show these as delinquent on their website and any time I try to make payments on loans that I have put into a modified loan their system still asks for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with Niagara Credit Solutions, Inc (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone call from Niagra Credit Solutions this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for XXXX funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I opened my business checking account through Wells Fargo XX/XX/XXXX. Then, I received the letter stating the account was closed on XX/XX/XXXX. I was told to contact the XXXX XXXX XXXX. I received the documents from the XXXX XXXX XXXX and showed them at the Wells Fargo branch. The manager reviewed it and allowed me to open new business checking account. Then, I received another letter stating the account was closed on XX/XX/XXXX. I was so furious and upset. The closed business account affected my business operation. I was not unable to deposit the company checks. It impacted my business lots. I lost thousands of dollars. I was forced to use XXXX XXXX to accept credit card transaction. The merchant incurred so much fees. Wells Fargo owed me thousands of dollars because of the closed business account. The XXXX XXXX XXXX showed no evidence negative statements. I am asking for the reimbursement of my lost business cost and allow to open a business checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation