milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XX/XX/2017     Fair Collections and Out    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , MD.  XXXX  To Whom It  May Concern : Th is letter is regarding account # xxxxxxxxx, which you claim I owe {$4000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some  contractual obligation to pay you.   Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and   XXXX    ) from y our company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.   Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for :   1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information 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 08-06-2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been cleaning up my credit report all year, and I get a notification that a collection acct been added to my credit report to my knowledge I never heard of this company, Calvary collection agency stating I owe XXXX which I asked what company this debt coming from. XXXX XXXX XXXX dropped off my credit report because I paid and they agreed to delete and turned around BBB and sold my paid to deleted acct that was removed to XXXX collection agency, I was n't notified about this action of selling debt off my debt that a previous agency agree to delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a certified letter to Experian, XXXX, and XXXX disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. XXXX and Experian have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.

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 10/31/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I received a refund check from my insurance company, XXXX. When I called them, they told me that my home owner 's policy had been canceled. A new policy had been issued, but was not paid for. 
I went to a local Bank Of America office on XX/XX/2016, from whom I have my mortgage. They repeatedly told me that BoA could not have canceled the policy. They also told me they had paid for the policy, twice, in XX/XX/XXXX. After much repetition, BoA acknowledged that they had altered my policy without my permission, to change the deductible for wind damage from XXXX % to XXXX %. They also reduced my coverage for personal property loss. 
According to XXXX, BoA called at least 4 times from XXXX XXXX. There were no specific notes on any of these calls. The cancellation and reissue were handled at the XXXX office, not my agent, but the policy was given a new agency code, still with my previous agent XXXX XXXX XXXX of XXXX, DE. 
I believe that neither party should have altered my policy ( paid for with my money ) without my knowledge and approval. No one can explain why they were able to or justified in doing so. 
I am enclosing a copy of the new policy, which I received only because I asked for it today, which includes the details of the agent, the issuer, and the mortgage holder. 
I wish both parties to refrain from altering my policy without my knowledge and permission.

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 04/13/2015 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I closed all my accounts over a year ago.  Recently the bank sends a collection notice regarding XXXX of these accounts with a warning that they are going to close them.  These accounts were custodian accounts that was closed over a year ago, that had both my name and my daughters name on it.  Apparently, they must have left them open and continued to withdraw fees from it.  the amount they stated owed were XXXX and XXXX.  It appears that they can control anyone's account even after it is supposed to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (PA).
Issue: Fraud or scam

Complaint: Monies were transferred twice, to a bank in XXXX, TX, once on XX/XX/XXXX and XX/XX/XXXX for a work visa and health insurance for the XXXX in regards to a job with XXXX XXXX XXXX. This job as it seems never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Problems when you are unable to pay

Complaint: The day of my payment or a day after, I receive multiple pre-recorded or phone calls from live people requesting that I call Conn 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Managing the loan or lease

Complaint: I have a car financed with Honda Financial. I was working with an account manager to get my account caught up. I called in to advise him that the car was involved in a wreck. A sub told me he was on vacation, and I needed to get a personal loan. She also told me that I needed to pay the next day because they were looking for the car, and they would come get it. I was not aware that they were planning to get the car, so I told her I was going to put the car into the shop to get fixed first. 
XXXX weeks later, a repo man from XXXX XXXX XXXX shows up at the gym that I have been doing personal training at, and he watched the entire bootcamp workout. When I walked around to the front, he came to the front and approached me. He obviously found me on XXXX because he knew what I looked like, what time the boot camp started, and he approached me. He told me he was with Honda Finance, and I better give him the 2013 XXXX XXXX. He showed me papers from XXXX with a bulk of my personal information that could even be a result of Identity theft if someone choice to steal it or lose the paper work. He also stated out loud in front of customers, and other people affiliated with the gym that I was XXXX months past due and owed over {$1900.00} to them ( XXXX ). I told him XXXX knew where the car was, and He could not be with XXXX because his truck said XXXX XXXX XXXX. I told him he was not allowed in the gym, and would need to leave. He told me it was a public location, and I advised him he was not welcome there and do not come back. People come there to workout with memberships and he violated so many of my rights and privacy. When the owner started walking to the front, he started to leave. He told me he would wait outside for me. The car was not even at the gym because it was at the shop. He knew I would be there at XXXX to do the workout. Because he knew what I looked like, he decided to stalk me and the others in the gym. He claimed he was with Honda financial. All the paper work he had included my personal private information, which half of it he stated out loud, came from Honda financial.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was recently notified XXXX & XXXX XXXX placed a mark for collection on my credit and I have no prior remembrance of this billing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: APR or interest rate

Complaint: I have had a Chase Freedom card since 2007. My interest rate at the start was XXXX My credit was bad, I was lucky to get a card at all. Since them they have raised my credit limit three times, from {$4000.00} to {$13000.00}. I have made every payment on time as proved by my credit reports from all the reporting agencies. My last payment to them was {$9000.00} which left me a balance of {$760.00}. My credit score is XXXX. When I asked them to lower my rate. They said no. I pointed out my payment history, they said I had the lowest rate available at that time. On credit card sites, the highest rate listed for this card is 23.27 % I and paying XXXX points ABOVE that. Usury springs to mind.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Other financial service (Debt settlement) with Elite Student Solutions (TX).
Issue: Fraud or scam

Complaint: I was making payments to this company in relations to my student debt and I had found out that this company I had been paying has not been putting it into my loans. 
I got a call from XXXX, my primary student loan provider, and it came to my attention that there was no payments being made to my loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: the reverse mortgage lender ( reverse mortgage solutions inc ) provides a procedure for the struggling homeowners to short-sale their property. ( short-sale letter exh XXXX ) stating that " Once the process begins, an associate will review your application and contact you within 5 business days to discuss next steps. '' FHA 's parent agency, the U.S. Department of Housing and Urban Development, also has guidelines for lenders handling short sales. we have submitted a complete short-sale package both by fax and email on XXXX XXXX, 2015 ( see exh XXXX ) only to be told that the package was lost by the lender. 
we have resubmitted that package on XXXX XXXX, 2015 ( see exh XXXX ) of which the receipt was acknowledged by the lender. 

despite the clear short-sale guidelines by the lender and XXXX XXXX Department of Housing and Urban Development the lender is not responding to short-sale requests and seems to be purposely dragging the process unnecessarily and causing the home-owner, who is a XXXX citizen, additional financial and emotional hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (Other mortgage) with Buckley Madole, P.C. (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX hired a retired XXXX and XXXX, as well as XXXX, whom determined they where victims of mortgage fraud. They actually did not recieve a mortgage or loan invalidating the claim of BUCKLEY MADOLE, PC. From a hand writing expert that determine XXXX XXXX of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and is no longer is notary. XXXX determined for last 8-9 years XXXX of XXXX county has been practicing law from the bench a high misdameanor, Most all public servants pensions are based on fraudulent mortgage backed securities about 63 %. Also, XXXX did not have XXXX form or XXXX on file as required by law. Thus, all preceding were done without impartiality, jurisdication or authority, and are void, not voidable. Thus, XXXX was treated as MONEY and was monetized and cashed paying off house immediately, Money that XXXX created providing the signature as per XXXX, XX/XX/XXXX. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX, AND XXXX, XXXX, AND XXXX WERE all put into a government conservator-ship. This process was set up from the XXXX and XXXX. Using XXXX ( XXXX ). and XXXX whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of XXXX either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/XXXX has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with XXXX, then the party took out additional loans from XXXX. 
We should be able to file a claim against BUCKLEY MADOLE, PC, and XXXX XXXX, XXXX, AND XXXX. XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim FOR XXXX COMMOM LAW COPYRIGHT VIOLATIONS. 
BUCKLEY MADOLE, PC XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Credit Bureau Systems, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was under my parents insurance still at this time and is to be paid by them and not myself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: When I make purchases through my account I have the necessary funds. CHASE takes the payments in a way where I get charged overdraft fees even when XXXX of my purchases occured before I took the one that brung me into overdraft. Completely unfair and I have paid over thousands of dollars in over draft fees over the past year. It 's like they try their hardest to kicj you when you 're down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2016 about Debt collection (Medical) with Nationwide Credit Corporation (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: the collection company Nationwide Credit Corporation, XXXX, at XXXX XXXX XXXX XXXX Mi XXXX .Keeps sending me the exact same bills that I have already made arrangement to pay from XXXX XXXX hospital. This is a XXXX billing agency that is trying to make money off me through this double billing process. enclosed I have copies of the XXXX company bills and the original bills from XXXX XXXX, In which I am making arrangements to pay them directly. This side collections company However insist on sending me these same duplicate bills, and I am getting very annoyed of their deceptive practices, how can I get them to stop such actions?

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX I tried to access my free credit report from Trans-Union. I filled out the form and answered the questions they posed to verify my identity. They said they could not verify it - XXXX of my answers must have been deemed incorrect by them. I was kicked out not knowing what went wrong - only that I could not be verified. The information on the site was very confusing and when I thought I had clicked on the button to continue to fix my response it completely kicked me out saying that I had to wait a year before I could ask for a report. What can I do?????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Debt collection (Payday loan) with Sarasota CCM, Inc. (WA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX calls from multiple numbers claiming to be lawyers who want to serve me with papers, they say that I have to pay them {$500.00} now or they will take me to court for criminal proceedings. They call at all hours and to my family members threatening me. They call 3-4 times a day. When I have spoken with them and I ask for them to send me proof that I owe the debt they claim that they do not have to send me any proof. I also do not owe this debt, I 've cleared all my debts that can legally be collected on.

Company response to consumer: Closed
Consumer complaint received 08/14/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We were strung along by Wells Fargo for several month 's while waiting on a loan modification to find out that we can only receive XXXX loan modification over the life of our current loan. We tried to continue making payments to them but all of a sudden they stop accepting them. Then they wanted a lump sum of over XXXX to bring the loan current which we could not provide so they started foreclosure proceeding and have already attached a sale date of our property.

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 08-08-2016 about Mortgage (Conventional fixed mortgage) with Swe Homes LP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with S.W.E. Homes and they handle my escrow account also. I have recently changed my insurance company. I have contacted S.W.E. Homes over a month back and ask them to use my escrow account and pay the initial down payment on the new policy. They have refused and have not given any reason as to why!!! 
S.W.E. Homes Contact : XXXX XXXX. 
XXXX XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying extra money each month on my mortgage. This month I received a check for {$420.00} as a a reimbursement for escrow. My escrow amount was also increased which makes no sense at all. I have made several attempts to discuss the issue with Freedom Mortgage Corporation, XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I have been placed on hold with no one returning to the line as well as sending an email which I receive no response. I believe that charging this much escrow for no reason is a ridiculous use of my money. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation