milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2015 about Debt collection (Mortgage) with Ditech Financial LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Green Tree collection agency is reporting that we owe them {$400000.00} on a XXXX purchase money loan. They have sent us a letter saying that we do n't owe them the money, but refuse to stop reporting it to credit reporting agencies. This is preventing us the opportunity of refinancing our home. We have been working to get this resolved since late last year ( 2014 ).

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

Complaint: XXXX XXXX XXXX opened XXXX accounts within a few months during 2013 at a time when I was XXXX as verified by the attached Letter of Medical Necessity. During this time span I was XXXX. These XXXX accounts are Identity Theft and should have been BLOCKED on my Experian Credit Report. When I subsequently became aware of the Identity Theft and notified XXXX XXXX XXXX, both accounts were summarily Charged Off. XXXX has repeatedly denied my requests to BLOCK the accounts.

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 09/24/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent 2 communications by mail to this company requesting that following the standards of the law and my rights that they provide me proof of my signature validating that I owe this alleged debt. I have waited over 60 days and they have refused to respond with proof this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have XXXX XXXX going back to XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX Texas to the XXXX room. I had my XXXX removed. I have told them to code the bill properly to the hospitals and the XXXX different collection agencies. I 'm not paying out of pocket for the rest of the treatments. I have insurance. Optmium Outcomes has repeatedly called me on my phone and ignored the stop all contact letter sent on XXXX XXXX, XX/XX/XXXX certified mail # XXXX. XXXX the bill correctly or XXXX. My insurance premiums are taken out of my check every month. This has been ongoing for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company tried to look me out of my house today. I live in a XXXX gated security building so they called me to ask if I want them to come in. I said so no she said they were here to change the locks. I called to ask them what they where up to. They said they tried to do it on XX/XX/XXXX too! I am less than 45 days behind have been in my place for 10 years. They sent me no notice no anything! I payed my mortgage on Tuesday and they did this after I contacted the attorney general about other shady practices. They are retaliating against me. What can I do about this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Check sent then company send check back stating account was overpaid but account remained in collections for no known cause.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was reported with a debt that was opened and originated because someone stole my identity this has already been known by the so called creditors reporting this fraudulentl account the needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a woman out of XXXX, Texas broke into the drop box of what was XXXX XXXX XXXX which has gone bankrupt and sold the property. mine of XXXX other apartments rent and utility money orders were stolen from the drop box. apartment was notified by police this was happening in the area and did n't take precaution to prevent this from happening. after that a month later I moved out. the money that was stolen from the apartment has been in collections going on 5 years. ProCollect out of XXXX, TX is the collector ph # XXXX.i explained to them that I paid my bills but the money was stolen from there drop box. which is n't my responsibility to pay again due to their failure and notification from police this was going on before it happened. They asked for proof of the robbery of the building and I went down to the police station and got copies of the report that my money that I put in there drop box was stolen out of there office and sent a letter from the chief of XXXX, Tx, Police Department saying and proving that my money was stolen. He also lived there during the occurrence. The collector keeps calling and saying I owe money that I paid 5 years ago and I owe the stolen money the apartment failed to secure. me and my fianc have both asked for proof of debt and for the original debtors information which is the owners of XXXX XXXX XXXX which they will not give. ProCollect told us to google the information on a bankrupt business denying us the ability to contact the original debtor to dispute the false debt. I have contacted a lawyer and I will be writing a cease and desist letter sending the police report and letter from chief of police again a to PRoCollect and also sending it to all XXXX credit bureau 's to continue to dispute. after that if it is not removed from our credit report I will have no other choice but to file a lawsuit.

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 02-07-2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 'm hoping somebody can please point me in the right direction regarding a problem I 'm having with Performant Recovery. I had federal student loans that were being collected by XXXX, I could not afford to pay them at the time and defaulted. In XXXX of XXXX, I spoke with XXXX XXXX and agreed to a nine month XXXX program with Performant Recovery for my defaulted federal student loans. Performant Recovery , Inc. is located at XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX XXXX 's telephone number is XXXX. After making my ninth payment XXXX XXXX, XXXX, I realized that my loans should have been sold to or bought by another lender by now. I called XXXX XXXX. The collection agent on the phone verified that I 've, in fact, made all of my payments on time per the agreement. She puts me on hold and then tells me I must talk to a loan specialist and one will return my call within 72 hours. 72 hours comes and goes and no answer. 
I have been nothing but polite and cooperative during this process as I know how lucky I am to have be in a position to rehabe my loans. But now what? Nobody will return my calls. I have to make my payments. I want to make my payments. I will continue making my payments but I also want Performant to honor the contract to which we agreed. 

Sincerely, XXXX XXXX ( formerly 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 04/27/2015 about Debt collection (I do not know) with ALLY FINANCIAL INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed Ally On XXXX XXXX asking for validation of the debt as per The Fair Debt Collection Practices Act. They have not responded

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION ().
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX XXXX - filing this complaint for my XXXX, XXXX XXXX. She appears to have been involved in some predatory banking with Santander Bank, N.A., XXXX. She is currently XXXX years old, was given a line of credit of {$100000.00} in XXXX on a home that was not worth that much, but my main concern is that she only had {$630.00} coming in via SSI with no other means of repayment. I do not think she understood that this had to be paid back, possibly she thought it was a " reverse mortgage ''. Plus already had a line of credit from XX/XX/XXXX with her Mother who has been deceased since XX/XX/XXXX in the amount of {$10000.00}. She has given my sister and I power of attorney so we can assist with this matter. My grandparents built this home in XX/XX/XXXX and had it paid off XX/XX/XXXX. I do not understand how she qualified for these monies. Now the bank wants us to put the property up for sale before they will foreclose. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX Work 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 06/27/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted a dispute to Experian XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Account # XXXX & Account # XXXX I have had 3 loans with XXXX. One I closed out very early, due to problems. The othe 2 loans, I always paid a few years in advance. As the loans became due again, I would ask the teller to reapply principal to the unpaid balance. Each & overtime ic came to Bank to make payment. On several occasions I would have to wait for 10/15 minutes whiles the teller called that appropriate office for this request. Teller would write a receipt and I would been my way. Tellers were also informed that I had 2 accounts as well, so there was no confusion. I had multiple withdrawal slips at the XXXX XXXX, MI Branch for withdrawal slips, staff could go into account and always keep the account current. XXXX XXXX was the manager at the XXXX XXXX Branch at the time. Afterwards there was a lady name XXXX at the XXXX XXXX Branch. I now work with XXXX at the XXXX XXXX. Branch for a little more than a year, and have had no serious problems that could not be handled within the Branch. 4 Lates on one account and on late on the other has seriously crippled my scores. They should be running in the low XXXX XXXX and these 5 later showing for {$50.00} payments is something that is not my fault. The fault lies with the tellers not knowing what they are doing and telling the customer, that they could not complete the request at this time. I explain to XXXX what I need, and if it ca n't be done at the moment that I am there. He will inform me as to when the task will be completed. Also whether I need to come back into the Bank to sign a slip. The results I am looking for are that all later are removed from both accounts. I have had 5 years of perfect pay history with the other 3 Fiancial Institution I have dealt with on Installment loans for {$170000.00} and have paid them all off as this year. These are the last 2 that I have and will retire the XXXX debt on each account the beginning of next year. Please investigate and let me know the results at your earliest convience. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In 2011 I applied to refinance my mortgage loan with JPM Chase. At the time the HARP program was already available. However, JPM said that such loan would be more expensive to me. 
Reviewing the program with other institutions, I 'm being told that in fact the HARP program would 've been more beneficial to me, i.e. less expensive I would like to know why JPM did n't qualify my loan under the HARP program.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as JP Morgan Chase. JP Morgan Chase refuses to endorse the check so we may recover our contractually obligated fees and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: XXXX wires were sent from XXXX via XXXX XX/XX/XXXX to my Wells Fargo Bank Account for a total of {$240000.00}. On XX/XX/2016 XXXX wire in the amount of {$48000.00} was deposited to my account, at some point {$44000.00} was returned to originator in XXXX and the other XXXX have no status. The Bank refuses to give me information regarding the status of the XXXX wires, the originator from XXXX says he has not received those XXXX wires.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( Enhanced Recovery ) and by them! The collections were removed by XXXX on XXXX XXXX, XXXX and was removed by ( ERC ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. 

I request that they verify the following information. 
XXXX. Registration/License Number that allows them to collect in the state of Louisiana! 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: This complaint replaces complaint XXXX. It is not a duplicate. I needed to give a more clear view of the transactions. These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me. In addition, the dispute department failed to honor my dispute based on groundless claims such as log in attempts to my account coincides with transactions which is ridiculous. I log in to my account almost everyday whether I am making transactions or not. In addition, I informed the representative I kept my pin number on my card which could have made it easy for someone to use it whether I had my card in my possession or not.
The team had 3 weeks to investigate and decided to take me through the stress of waiting for a decision. A decision that could have been made in a few days at best. Why send me a new card to only reject my claim? I am upset about the way they do business and how a simple solution has turned into something complex. The money is not a lot of money to me and it is not worth the hassle Capital One is putting me through. I do not recall these transactions and unless they proved the transactions was made by me .... The dispute should have been honored and I should have been issued a refund. Period!

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with PNC. I had to declare bankruptcy in XXXX and have since paid off the bankruptcy. The PNC mtg co said l still owed some money for property taxes yet it showed I was up to date with all payments having been paid on time with escrow for taxes and insurance. They insisted there were back property taxes and were able to prove that was the case. I asked for a modification and they directed me to their website to print out all the necessary forms. During this time while l was getting all information together they stopped accepting my monthly payments saying the could not take payments while I was behind but my online account showed me up to date till XXXX XXXX. When they got to four months returning my payments the began foreclosure procedures against the home. I had sent in most of the modification forms, they had me change some several times and just as I got to the final date they said the did not receive a profit and loss statement I sent to them several times on the fax number used for all other submissions. As a result l had to start over. In order to not lose my home to foreclosure l filed for bankruptcy again and resubmitted all the documentation for the modification. The bankruptcy filing stopped the foreclosure, I would prefer not to file the bankruptcy the trustee and my lawyer have held off the filing of bankruptcy by certain language until I get a determination on the modification. They finally rejected my modification saying l did n't have enough income and l could ask for a short sale of deed XXXX lieu. My house has almost {$150000.00}. In equity. I have since then appealed the rejection of the modification on XXXX XXXX, XXXX this needed to be in by XX/XX/XXXXand now the will take until XX/XX/XXXX. I had added a statement from the State of New Hampshire showing they paid me just under {$6000.00} for XXXX this was for child care and I forgot to include it in the list of income for the modification. 

My complaint is noting all of the above efforts the mortgage co. Has run me around after a payoff on chapter XXXX and five years of on time payments the deliberately returned payments made on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to make me four months behind to foreclose on me. As a result I have had stress, my family has been torn apart my wife and l will probably end our 45 year marriage. Currently we are in the process of listing our home for sale. What this company has done to us is despicable. We were very good customers during the chapt XXXX pay off an the few months after. During the five year chapt. XXXX pay off period the offer XXXX trial modifications both time their terms we set at a time before we received the offer and we could not fulfill the terms although we kept paying the regular amount on time the first of the month for more than the amount offered.

Company response to consumer: Closed with explanation