milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, I pulled my credit report in XXXX of XXXX. My credit report contained a collection account from Midland Funding LLC. I called the number on my credit report, and was redirected to a Law Firm XXXX, I was then informed that this Law Firm had been retained by Midland Funding LLC. I spoke with a representative XXXX XXXX, followed by XXXX XXXX XXXX of which informed me that there was a pending lawsuit against me. The representative XXXX XXXX proceeded to give me a file number. After the initial phone call, I got flustered and hung the phone up. I then called back and made an attempt to clear up the matter, believing both representives from this law firm were being truthful. I proceeded to give them all of my personal information including my personal financial statement. XXXX XXXX then made a settlement offer. I paid with my credit card {$500.00} on or around XXXX/XXXX/XXXX believing this would settle the debt. After paying the {$500.00} I contacted the magistrate court in XXXX XXXX the representative told me only to find out, that this was account from XXXX that I responded to the summons in XXXX from XXXX XXXX Bank requesting my signature and proof of the debt. I was prepared to appear in court, however the lawsuit was dismissed. I realized I 'd been lied to but figured I did the right thing by paying the {$500.00}. Well about two weeks later, I received a phone call from XXXX demanding a second payment of {$500.00}. I then started to challenge with the information I had learned from the courts. The representative began talking over me, and said the debt would still be reported as unpaid. I 've been calling repeatedly to Midland Funding LLC, and the tactics are getting scary. I 'm contacting you now because Midland Funding LLC has been reporting the debt as unpaid even though I paid the {$500.00}. Since XXXX, I enrolled in credit monitoring, only to find out that in XXXX XXXX, Midland Funding entered XXXX negative entries on my XXXX credit report, XXXX under Midland Funding LLC, and a second entry on the charged off account from XXXX with XXXX XXXX Bank marked as a failure to pay for XXXX XXXX. This action resulted in a XXXX pt. drop in score with XXXX. Midland Funding and all of its affiliates are making a mockery of my credit score and the credit bureaus, by using unfair and unethical practices to strong arm me into paying a debt, that I 've already paid them under false pretenses and AFTER it was thrown out of court in XXXX. I 've requested a signature and itemized copy of what I owe to the original creditor XXXX XXXX Bank of which I am presently a card holder on my husbands account. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with Alpha Recovery Corp (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I called to settle the account out, the collector offered me a settlement around 2700.  He put his manager on the phone who then offered a higher settlement because I was n't willing to pay within the next 3 weeks. I was offering the settlement byXX/XX/XXXX He told me that I was going to be a noted as a refuse to pay. I tried to explain to him that I was willing to pay the XXXX that was offered by XX/XX/XXXX. I then requested a settlement offer in the mail, he then told me no and that the company already sent me mail regarding this. He then told me if I was n't willing to pay inXX/XX/XXXXI 'm a refuse to pay. I told him I 'm willing to settle in XX/XX/XXXXand I would call back.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I have American Express Serve card. They give you an unnecessary hard time in disputing transactions, and they have every reason to, because if they give you your money back, whatever percentage the merchant has to pay for using their card, they do n't get paid if they give the money back! 

XX/XX/XXXX, I disputed XXXX charges : XXXX from XXXX, in which I signed up for their hot spot service through their automated system, which did not state the charge is not refundable. They only tell you this after you are charged ; then, they say it is in their terms of service, which was never mentioned in the sign-up process nor do you get a website to go to to read the terms of service. This is fraud, because I am not be given the right to make an informed decision. 

XXXX charged me {$50.00} on XXXX/XXXX/XXXX. 

I made a purchase at XXXX and was charged {$36.00} on XXXX XXXX, XXXX, under XXXX. I returned the product and though the seller has a refund policy, but she will not give me my money back. 

I called Serve in XX/XX/XXXX to put both items in dispute, which was done ; however, the representative did not tell me to expect an email from American Express. As a result, they sent me an email but because I was not expecting them, as the representative did not inform me they were coming, the cases were closed. 

I am currently on hold with Serve trying to re-dispute those charges, and they have the audacity to be telling me essentially too bad : Though WE messed up, you 're not getting your money back. I spoke to XXXX, a supervisor, who is now telling me, 60 days have passed and we ca n't dispute the charges. Both of these charges were disputed in a timely fashion in the beginning. 

Serve XXXX, but they want to penalize me. 

Serve needs to be investigated and fined, because I am sure I am not the only customer they have done this to. 

All these Serve rep 's gave me the same excuses. I have been on the phone for 2 hours trying to resolve this. This is ABUSE and UNACCEPTABLE! Serve is stealing my money, because by keeping my money, they stand to profit! 

- XXXX - Account Specialist - XXXX - Account Protection - XXXX - Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America failed to disclose proper documents as to the proper owner of my home. Bank of America also did not allow another modification due to a previous modification within 24 months. I was told I could not appeal and had to start the RMA process all over again and the only option was to short sell. Bank of America had incorrect information from the creditors and the amount for my mortgage was calculated higher, leaving me with a denied application. I have also submitted at summary judgement against Bank of America. My home was sent to foreclosure in the courts by the attorneys of Bank of America. I do not feel Bank of America is doing everything to help me save my home.

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 04/20/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced my mortgage on XXXX XXXX 2015. Wells Fargo was paid off on XXXX XXXX 2015. I am owed about {$2600.00} from them in my escrow account. It is now XXXX XXXX 2015 and I have yet to receive payment from Wells Fargo from my escrow account. I want to know why if I, as the consumer, am late with my remittance on my mortgage, be it a fault of mine or fault of the mail system, Wells Fargo will send me to collection. But if they intentionally sit on my money, by delaying payment to me ( thereby still collecting interest on that money, since it is still in their holdings ) there is no consequence or way that I can get my money back from them. I also feel that in this day and age of instant payments via the internet, it is atrocious to think that Wells Fargo can not remit my money electronically. I feel that this is very unjust to the consumer and that the consumer should have some sort of legal recourse against the banks for intentionally being slow ( there is no honest excuse in the days of electronic banking, especially since I paid my mortgage electronically each month ) to hold on to the consumer 's rightful money as long as possible to reap the benefits of holding it. I do realize that the basic interest rates are extremely low at this point but it is the honest principle that there is no reciprocity in the process between the banks and the consumers. The banks are all powerful and there are no real consequences for them. I would appreciate any feedback you can provide. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC ().
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Portfolio Recovery has been phoning at all hours of the day and night.

In the past 16 day, they have phoned me week they have phoned me 7 times on these dates and times ( all times/dates are local to me ALL calls were in violation of government regulations : XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX  XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX  ) XXXX They never leave a message and when you answer, they hang up immediately. On XX/XX/XXXX, I advised the agent did she realise that it was XXXX? Her response was " no it 's not, it 's XXXX. '' They refuse to listen but instead want to violate federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the are reporting on all of the CRA 's that I was once late. I have never been late. Please have them provide solid proof or remove it from all 3.
Worst payment status 30-59 Days Late Times 30/60/90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother XXXX XXXX passed away. I am the daughter and am trying to do the right thing and getting things situated as best as I can. Chase is well aware of the passing of my mother, and well at the time mother passed I had no idea all that came with that. I was not aware I needed to go through probate, which I am doing so now. However as you may already know probate does cost money, and had to gather the funds for an Attorney. Currently I am in the middle of Probate with the last court hearing of XXXX XXXX, 2016. Chase is well aware of this hearing as I have provided notice, and have stressed to the representatives I need them to notate probate last court hearing on XXXX XXXX, 2016. I did stress to representative I am not being provided with information about the account, I am not asking anything about the account and instead are providing them with information about the account. I am simply asking for help with the postponement of my sale date of XXXX XXXX, 2016 to allow the probate matter to finalize and finally be able to speak with Chase mortgage and Chase mortgage to finally be able to accept my payments. See Chase would not accept my payments because I am not the borrower, which is why I am not facing foreclosure. Please help me all we need is time, time to allow the probate to finalize, which again will allow Chase to accept payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (I do not know) with AFNI INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never contacted by mail or telephone from this collection agency and they have no right to put something on my report causing my score to drop. I have sent 2 certified letters to validate date and received a return receipt from both stating that they were received the validation letters. However, I have not received anything else from them and they still continue to report a negative account/collection or my credit report. This is prohibiting me from obtaining credit as well as well take the necessary steps to obtain secure stable housing for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was notified by regular mail XX/XX/XXXX that Portfolio Recovery associates sued me at my local court for XXXX and was awarded a default judgment on XX/XX/XXXX. The clerk of courts said it was a unpaid debt. I reviewed the court file which did n't have much information. It had a certified letter envelope that was returned to the sender with my address that was stamped not delivered. I reviewed al XXXX credit bureau reports and all XXXX listed this judgement with out any original account number or original bank or lender.Nothing documented in the court file referenced what type of debt it was or how the total amount due was calculated. The clerk said that it was drawing interest XX/XX/XXXX. XXXX XXXX XXXX states XXXX original records must be included for a debt buyer to obtain a default judgment, the original account number, original creditor, amount of original charge off, proof that debt was purchased plaintiff, the date of last payment on original acct. And proof that the consumer actually owed the debt. This judgment court file did not contain any of this or any kind of original paperwork or even copies. It contained no type of itemized charges or payments. This debt collector entered this judgment XX/XX/XXXX waiting six years to let interest build before trying to seize my personal property and take my home. This does not appear to be a fair way to collect or report a debt. It appears to be intentional, wrongful and illegal. This is not my debt. I was failed by the courts when they granted this default judgment. This Portfolio Recovery debt buyer could 've acted in a timely manner if this were a true debt. I was never issued a subpoena and I have never signed any document with this agency. I was told that this judgement can be renewed for another 7 yrs. How is this even possible. The court document number referenced pages of other consumers that were sued the same day as I was and also granted default judgments. NC has the best credit reporting laws and this happens. The better business Bureau has this agency listed. It seems that they take pride in consumer not showing up and they win the case because it appears it 's valid. Then they let the judgement sit for years only to collect right before it is due to expire.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Advertising and marketing

Complaint: I was offered a retention bonus of XXXX membership rewards points in XX/XX/XXXX. They never posted. After calling in several times over the course of XXXX months, and several guarantees that the points would post they never did. All of the conversations were recorded by American Express. American Express lied to me on several occasions saying that the points would post " in a week.. '' or assuring me the points would " post soon ''. They XXXX told me 8-10 weeks, and at the 10 week mark I called in and was told 4 more weeks. At the 14 week mark I called in and was told 4-8 more weeks. The result of this caused me to lose out on an annual fee refund if I closed the card instead of accepting the retention bonus. The total resulted damages from the non-refund was XXXX {$250.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Prior to 2014 my mortgage was handled by XXXX XXXX formerly XXXX XXXX XXXX .My note was coming out of my social security check every third Wednesday. Unknown to me XXXX transferred my note to XXXX who stated I was in default for the XX/XX/XXXX and XX/XX/XXXX. I disputed the default and sent information to XXXX showing the amount that was paid. XXXX did not post both payments until XX/XX/XXXX.XXXX transferred my not to BAYVIEW Servicing and my payments went from {$360.00} to {$510.00}. My check is {$1000.00} of which I have to pay life insurance on my XXXX greatgrandchildren and myself, light, gas and water. I have tried to resolve this matter to no avail. Now I 'm threaten with a bill of {$1000.00} by XXXX XXXX or face forclousure. All information requested by XXXX was sent including bank statements .XXXX is no longer in the XXXX area I do n't know what happened to the money that was coming out of my check but i would like to know. Any advice will be greatly appreciated.This loan was supposed to end in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with Advanced Collection Bureau, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: disputed false information reported on my  XXXX  credit file, agency verified item as placed by   XXXX   XXXX   XXXX  .   this company placed false info on my file, made up a {$50.00} debt in an attempt to damage my credit. they never sent me a notice just put false info on credit file. i have no medical debt.   as a veteran i use va,  XXXX  and have supplemental insurance to cover all.   this must be removed.

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 08-11-2016 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: JP Recovery Services contacted my XXXX XXXX XXXX in laws my husbands employer my XXXX sister and my daughter regarding a debt with a local hospital that I had a payment plan with - their unethical practices including telling my I laws and my husband employer that they were going to show up with documents - when I tried to contact them they refused to give their company name and at a second attempt I was put on hold and then sent to voice mail

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Customer service / Customer relations

Complaint: Being the beginning of the year, I decided to update my passwords and security questions on all my cc accounts. I started with my XXXX card serviced through Barclays. I was surprised that the website did n't ask for my password, instead it asked me questions that I had never submitted as security questions. Not feeling very comfortable I called the phone number and spent several minutes trying to confirm the correct website address - the rep advised that I had to provide my TIN and DOB to be able to provide me with the website address. I refused and finally got the address from her, but when I tried it, again, I had no luck. I tried to answer the questions, however, it did n't work. It asked several questions about people and places I was unfamiliar with - so I answered those and it tells me this failed and the site was blocked. So, I tried sending an e-mail, but that info is not provided unless you can access your account. I tried calling customer service again to ask for an e-mail address ; and again refused to provide personal info as I do n't believe this should be required for non-confidential info. After 10 minutes and getting transferred to a supervisor/manager, I 'm told they do not have e-mail addresses. I 'm also told that I must provide personal & confidential info so they can decide if they will assist me to close the account. I asked for another method besides phone to close the account, as I also could n't access the website. She advised I could only close by phone. I was told I could n't close it from the website, this institution does n't have physical sites, and I ca n't go through XXXX, as Barclays is the servicer of the credit card accounts. 
What can be done to cancel an account if the consumer does n't feel confident with the person on the phone or the security of the corporation? This company has a horrible website security profile and the phone is n't any better.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: mortgage co. foreclosed on our home without any knowledge to usi have tried to find justice before, only to receive spread sheets from mortgage coco. instead of directing the issue, that we were mislead and deceived. we could n't fight fight what we could n't see coming.. is there justice for us? I have a letter and documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.

Company response to consumer: Closed with non-monetary relief