milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am in receipt of a notification dated XXXX XXXX, 2015 indicating that the law firm of XXXX XXXX XXXX, XXXX of XXXX, NJ has been retained to initiate a lawsuit to foreclose the mortgage on my property. As per this correspondence, it denotes that the creditor of aforementioned property is XXXX Bank XXXX XXXX and/or XXXX Mortgage Loan Trust. This is not my mortgager ( it was XXXX XXXX XXXX ), it 's now Select Portfolio Services. 

I 've requested that the law firm provide information to validate the creditor and ownership of this mortgage. Neither of these institutions have been a mortgage holder which I am familiar with. I am currently in the process of negotiating a modification of my current mortgage with Select Portfolio Services XXXX Inc., and appealing the preliminary decision. This notice is the first time I 've been advised of these XXXX additional creditors/trustees. I feel like this is an institutional strong-arm tactic to intimidate me into a short-sale of my home in lieu of a modification. 

In addition, the original mortgage for this home was refinanced several times over the past 10 years and initially was $ XXXX. I 've requested with a chronological explanation of the additional {$62.00}, XXXX. This amount appears to be incorrect and/or is underpinned by predatory lending practices from lender to lender. These may be lenders that I am unfamiliar with that appears to be certificate transfers. I would like to see these transfers with dates and explanations. 

Lastly, as you may imagine, I am deeply concerned about these institutional hand-offs from lender to lender and the legalese in this recent correspondence. I have requested a detailed explanation of items # XXXX & XXXX in layman 's terms, as I am unable at this time to afford legal representation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Student loan (Private student loan) with ACS Education Services (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been regularly making an online payment of {$40.00} a month to ACS Education Services for a number of years. However, when I went to make myXX/XX/XXXX payment I could not access the website using my regular login information, instead getting an error message saying that my information was " incorrect, '' which it was not. I tried multiple times at various times of day over the course of the next weeks to login to the system. Eventually I even tried resetting my login information but when I would do that I would get yet another error message. I also tried calling into the ACS directly, but would be left waiting for a representative to answer the phone so long that I would have to move on with my work. Finally, on XX/XX/XXXX, I called the company again, this time waiting over 30 minutes for someone to answer the phone. When a rep finally answered I was told that, yes, there was an ongoing issue with their system and it would only work with certain browsers. This was something the company clearly knew was an issue, yet there was no indication anywhere on the site that it could only be accessed with particular browsers ( which in all the previous years I 'd used the site had never been the case, thus it never did occur to me that this might be the problem -- I thought the issue had something to do with my login credentials specifically ). I was ultimately able to login using XXXX. I asked the rep during my call if I was going to have any late penalties because of this issue and she assured me that I did not and would not. I paid my bill in full that day. However, I recently learned that on XX/XX/XXXX, the day before I finally was able to reach an ACS representative, my accounts were reported as delinquent to the credit bureau. I have worked very hard for years on my credit and I currently do not have any other delinquencies on my credit report other than the two that have been assessed for the accounts I have with ACS, which amount to {$40.00} in total. Thus I now have two adverse accounts, the only two I have, that will be on my credit report for 7 years essentially because I could not login into the website -- a problem the company knew about but did not bother to make customers aware of -- and because, due to my work schedule and inordinately long wait times to speak with customer service at ACS, I ended up paying one day after the accounts were reported. After reviewing my credit report, I did try contacting ACS again on XX/XX/XXXX, and after again waiting more than 20 minutes to speak with someone, was told by the representative that there was nothing to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Medical debt) with American Credit Bureau, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had a large   XXXX   service bill from  XXXX   XXXX   XXXX   XXXX  office after finding out that she was not a network doctor and she is not a  XXXX  provider. Once I had paid off another medical bill I sent an letter with a {$50.00} check, stating I could not pay in full but would send payments as I could. The office turned the account over to a  American  Credit Bureau, Inc.collection agency. In mid  XXXX   2017 , I began receiving calls from a  XXXX   XXXX  's @  XXXX  or  XXXX  ext.  XXXX . I Had noted this number on telephone up  to ten times in one day w ithout a message so I assumed it be telemarketers. Home recuperating from some procedures, I answered the telephone and spoke to this  XXXX   XXXX  's about the account, and informed about the letter and check to  XXXX   XXXX  's office and that a I did not have that amount to pay off and was on  XXXX . He became calling back several time with discounts to present, non that I could meet or commit to.I became unavailable due to severe illness. Rather than leave a message he unknowingly obtained through some source a neighbors phone number and called her stating it was a urgent call for me. This neighbor bought me the note quite upset as to how this guy got her number and questioned if I had given it to him, I informed her no. When I felt better I called his office and informed him he had crossed the line and do not call again and that I would file a complaint to find out what I could do. Seniors are very private people and non-trusting, I was so embarrassed and upset it has delayed my recovery. I also feel this is a harassment issue

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from XXXX could not be collected by any other means. On XXXX XXXX I received a call from Zwicker & Assoc 80 Minute XXXX XXXX, XXXX MA XXXX trying to collect the XXXX debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, 2017 Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Medical) with Creditors Bureau Associates (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account has been paid. I contacted the original creditor and verified a zero balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was victim of identity theft by a person who gained access to my personal information. This person, XXXX XXXX XXXX fraudulently XXXX signed my name as co- signer on student loan no. XXXX with Chase Bank in sum of {$10000.00} on XXXX XXXX, 2009..I have provided Chase with last known information for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a option arm Jumbo that was sold to XXXX, then to XXXX XXXX XXXX an finally to Nationstar. XXXX said that I qualified for the XXXX settlement agreement to Modification and then sold the servicing to Nationstar who said that they did not inter into the XXXX settlement. Nationstar will not modify my loan for any reason and would rather short sale the property for half the amount that I am trying to modify.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Federal student loan) with Ceannate (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was contacted by FMS, Investment Corporation via mail. I responded in XX/XX/XXXX and FMS never got back to me. My letter discussed a payment arrangement suitable to my income which decreased more than XXXX ( I lost my job ). 

I received a letter from the Department of Treasury in XX/XX/XXXX indicating that my XXXX XXXX payments from XXXX will be offset in XXXX because I did not contact the creditor ( Department of Education ). 

My letter to FMS ( 3rd party collection agency ) predated correspondence from the Department of Treasury. 

Two payments in excess of {$1300.00} were sent via bank checks to XXXX XXXX XXXX and FMS between XX/XX/XXXX and XX/XX/XXXX. However, the current balance is only about {$300.00} of the original debt. 

I spoke with " XXXX XXXX '' on XX/XX/XXXX and XX/XX/XXXX for a combined total of 95 minutes. During these calls, " XXXX XXXX '' reported that my household debt was more than enough to pay over {$55.00} per month towards my debt. In addition, she was sending me documents via email. I asked if I opened the email, would it verify what was written in the documents? " XXXX XXXX '' indicated that it would even if I did not agree. Therefore, I did not open the email, as her payment could be more than I could consistently pay. " XXXX XXXX '' also wanted me to provide her with my debit card in order to make a payment over the phone. When asked if my debit card would be charged in the future, she said, " yes. '' Therefore, I did not give her my personal information. Instead, I sent a certified bank check. 

I admit to the debt. I do not accept how I am being forced into making payments that I may not be able to afford. I am still trying to get on my feet after losing my job. While I was approved for XXXX XXXX from XXXX, I am only receiving interim payments, as my application is still in the process of being solidified.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO   XXXX   FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL   XXXX   XXXX  . THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM   XXXX   XXXX    XXXX  AND  XXXX   XXXX . HAVING  XXXX    XXXX   XXXX    XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  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 06/29/2015 about Credit card () with TD BANK US HOLDING COMPANY (LA).
Issue: Other fee

Complaint: We were surprised to find that Yard Card added a {$120.00} promotional fee to a XXXX-month no interest plan. We were n't informed of this addition nor is our purchase now " interest free. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 12/23/2015 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (RI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX called at XXXX XXXX saying only following- '' my Name is XXXX call me back as soon as possible at XXXX XXXX XXXX XXXX XXXX regarding personal business. 
No other information. I looked number up and says is a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: XXXX has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XX/XX/XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XX/XX/XXXX.I took it a step further and decided to contact XXXX to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XX/XX/XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ 4k since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XX/XX/XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed XXXX that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from XXXX has wanted to take accountability and accommodate me with what I was originally told. I 've even provided XXXX proof of the information displayed on their website at the time and asked them to pull the calls. XXXX has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from XXXX on XX/XX/XXXX at XXXX. Her contact number is XXXX Ext:XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XX/XX/XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and XXXX with the burden of proof to justify my claim. Its sad because I was a loyal customer with XXXX and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use XXXX and will likely spread the word of how this company operates unethically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My original complaint against Citizens Bank was for unauthorized withdrawals fro my checking account and the bank 's acceptance of a check designed and submitted by a creditor that was paid from my account. All of this resulted in my account being overdrawn and daily ban fees that exceeded {$200.00}. being charged to my account. Since that filing the bank has removed the overdraft fees but saw that my account was cancelled. I am not upset at that, but when I went to another bank XXXX XXXX, to open a checking account. They would not issue a debit card nor allow my a senior discount for checking account fees. Therefore, I must pay a monthly fee of {$10.00}. and can only use their ATM service. I can struggle with that but it seems that Citizens bank got their pound of flesh on the way out. I was told that the non-issue of a debit card was because of a report that Citizens has submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a hospital bill that was paid late by my insurance company. The debt was sent to a collections agency that has agreed that the debt is not due, when I speak to them on the phone, after I sent the proof it was paid. They continue to keep a Collection on my Credit report that is lowering my credit score. I 've tried to dispute it with the credit reporting agencies but the system of disputing a debt is useless since they do n't confirm anything.

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 03/19/2017 about Debt collection (Mortgage) with Alliance Data Card Services (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2016, I was on vacation in Florida with my family. We were pressed beyond measure by XXXX to buy a timeshare. We yielded to the pressure and signed a contract of purchase. However, when we got home, we realized that we made a poor choice which we ca n't afford. We call back to XXXX to cancel it and was informed on XX/XX/2016 that they can not cancel it until we retain a lawyer. I immediately got a lawyer who has written who has written them 2 letters ( one dated XX/XX/2016 and the other dated XX/XX/2016 ). They replied on XX/XX/2016 with the readiness to void the contract. However, Comenity Bank used by XXXX went ahead to place a record on my credit report that has affected my credit markedly and has deprived me of the ability to get a loan for business.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NV).
Issue: Settlement process and costs

Complaint: Chase Home Finance Foreclosed on a mortgage which had been rescinded. The XXXX descision of the US XXXX court and the TILA indicate that:1. Chase and it 's Foreclosing Law Firm, XXXX Wisconsin did perform a wrongful foreclosure, eviction from my family 's homestead. 
2. Chase Home Finance did not provide a " satisfaction of Lein ''. 
3. Chase Home Finance did not return payments and fees as required by TILA regulation z. 
4. The XXXX XXXX courts, being familiar with the Rescission document proceeded to railroad the foreclosure with a replacement " sniper judge '' who also said she had reviewed the documents in the case, proceeded to deny me access to the court by warning me to not object. 
5. Chase Home Finance and the XXXX XXXX Sheriff sold the home over my recorded telephonic objections in the telephonic presence of a notary public wherein I specified a fee for wrongful sale of the property. That fee has not been paid as is required by my " terms of wrongful sale '' of the property. 
6. Chase Home Finance did not counter sue to void the rescission. 
7. Chase Home Finance did not return the canceled note as required by TILA regulation z. 
In summary Chase Home Finance is in violation of TILA Regulation Z.

Company response to consumer: Closed with explanation