milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with Ideal Collection Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX, 2017. I called Ideal Collection Services in XXXX, XXXX after I had received a letter from them. They were collecting for an outstanding repair fee for an apartment I used to rent over a year ago. They were apparently going after me for some fees that remained even though I paid and signed off on everything. They hired this third party I guess to try and collect. Never ever have I ever experienced such an incredibly rude and demeaning company as this. I went along with all they wanted in order to resolve it, I asked for 1 more day to do it! They told me they could n't do it and told me when I call back I would need to pay the full amount. That if this were not done the account would be reported to the credit bureaus would and hung up. I called again and asked to speak with someone else and they told me I could n't I explained that I wanted to pay it but wanted to speak with someone else, again they told me to call back when I was ready to pay and hung up again. I again called and wanted to speak to someone different and again was told I could not. I could n't believe this was an allowable practice. I was willing to pay and resolve the issue yet it almost seemed like they did n't want me to! All I can think was how incredibly evil this person was. Not sure how she sleeps at night. And shame on this company for having people like this on their staff. I do not want this to reflect on my credit and I am willing to pay it. I was so cooperative and soft spoken and they completely belittled me and did not want to help me at all. They now do not even pick up when I call. I just want to deal with another person as I refuse to be treated that way. At one point I told her I was going to report them and complain in which she responded, who are you going to complain to? '' in a totally condescending way. Like there was no one who I could complain to. I literally was sick after this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WV).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I have been in short sale XXXX with Chase for the last 7 years. In a nutshell, I lost my job in XXXX of XXXX in XXXX. I had to relocate to XXXX since there were no jobs available in XXXX and had to leave behind my house I had n't even lived a year in after purchasing so I worked with a realtor to put it up for short sale. My husband is XXXX and I also had a 9 month old at the time. After moving to XXXX, we realized we could n't manage living in an apartment and barely making ends meet so my husbands parents offered to have us move out to XXXX. We have been out here since XXXX of XXXX. For over 2 years, I had many decent offers on the house, but Chase never got back to my realtor about accepting an offer, then finally after 2 and 1/2 years, declined to let me short sale it, even though I had about 6 different offers. 
I waited for almost 2 years to see if they were going to foreclose, they never did. I contacted them again in XXXX to see if I could give them a deed in lieu of foreclosure. They said I had to try and sell it. I told them about trying before, they said it did n't count and I had to try again. So I got the same realtor to help me out, we had multiple offers again, and finally had one that worked very well. Chase made it very difficult to work with them, but we complied at every step, including me sending in month after month my paystubs, bank statements and tax returns. At one point they said we had to try and sell the house at XXXX. The buyer agreed, then Chase countered again with {$500.00} more dollars! Luckily my buyers agreed to it. Now, about a month ago, they have declined the short sale again stating I had a lien on my property ... which I do n't and if I do it 's their fault because of dragging this out for 7 years now. 
My credit is shot, I have no way of improving my credit score because they keep dredging this up and having it show up. I have complied with them every step of the way and I have had so many people working on my case from Chase, I do n't even bother remembering their names. No one ever calls back myself or my realtor. 
I started out with walking away and owing XXXX and now it 's almost to {$300000.00} due to late fees, bogus insurance policies they say I had to have and other miscellaneous fees they felt like throwing in. 
Even if this lead to me filing bankruptcy, I just want to be done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (I do not know) with Case Law Firm, S.C. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collector is blocking the phone number that they are calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Credit card) with DISCOVER BANK (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DISCOVER CARD HIRED XXXX SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY ESTRANGED BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Your options do not include the reason for this complaint. Calvary Portfolio is collecting a debt that is outside of the federal obsolescence time frame provided in the Fair Credit Reporting Act. The original creditor was XXXX. My last payment to them was in XX/XX/XXXX. Calvary has incorrectly listed that payment date as XX/XX/XXXX to keep this on the credit bureau longer than the law allows.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continues to list a XXXX credit card account on my credit report in violation of the 7 year reporting rule established by the Fair Credit Reporting Act ; last payment on this account was made in XXXX 2008 and the current payment status reported by Experian is " Past Due 180 days '' ; I have disputed this account both with the credit reporting agencies and XXXX directly ; XXXX and XXXX correctly removed the account from my credit reports, but Experian did not ; the fact that it was removed by XXXX and XXXX by not Experian tells me that the erroneous reporting is the fault of Experian and not XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problems caused by my funds being low

Complaint: Bank of America has consistently been unwilling to work or resolve my complaints about my account, specifically in regards to overdraft fees. It is because of my overdraft fees that I am unable to keep current on my account, I have incurred hundreds of dollars ( over {$1000.00} ) of fees from the bank from the last year alone while not having a large income by any means. This has left me in a cycle of being short on funds to pay for bills and committed to the bank.

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 monetary relief
Consumer complaint received 06-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  all information sent in response to this complaint I filed are the same lies and fraud. I never requested this account s  XXXX , XXXX , XXXX , XXXX . the   letters I sent signed by  XXXX   XXXX , and  XXXX   XXXX   same executive  Office as this person   XXXX   XXXX   for example account ending on  XXXX  only had 5 day statement and all those charges show that there were phune payment and online reversals on the statement of card ending on  XXXX  that was never created by me. An in addition they show balances transfers. this balance transfer of {$8500.00} you stated to the  XXXX  checking acct. All thi sthings are lies and made up by this individual. You have copies of all letters from   XXXX   XXXX  ,   XXXX   XXXX   and stmnts. i would like to go to court agauinst wells fargo and want this person  XXXX   XXXX  fired or go to jail for his lies.Finally, i pull all my credit reprots and there were no credit inquires at all in those dates they mentioned and I pull my phone calls and none was done as well in those dates. Finally, I never stated that my family member was auhtorized or who did all this. in addiotn spoke with an individual in  XXXX   XXXX   and the re was an individual from wellsfargo in  XXXX  coprorated office ands h ewas the one who transfred this information to th eindividual in   XXXX   XXXX   who state dthis person said that is was my stenson and I dont hav eany stepson at all. Been married 29 years an dno kids with my wife. All this application copy they sent is another lie It show a maiden name  XXXX .   I would like to have everyone involved in all this wells fargo fraud/lies and we can got to court and take lie detesto r teste a nd would to file a law suit asap. They have damaged my credit and I have been with wellsfargo over 12 years never had problems until now and that is why they got charged over  XXXX  millions and they are going to get charged more. I addition I even sent everything to there midiation as they wanted to no avai. EVERYTHING THEY HAVE RESPONDED ARE ALL LIES AND ALL YOU NEED TO PULL IS THEY LETTERS FROM THE DIFERENCE PERSONS SAME  EXE OFFIC E.

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 monetary relief
Consumer complaint received 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I order a free copy of my credit report on XX/XX/2016. Upon checking my credit report I noticed that there were inquires done as if someone is trying to use my information. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have not inquire about any credit on these dates listed on my credit report. Although, I know it stated on my credit report that it does n't affect me I am convince someone is trying to use my information to obtain credit or tangibles. How do I stop this? In about an year I want to purchase a home and I do n't want any of this on my report at the time of purchase to affect me. I have several vehicles that are paid off so I was n't at anytime trying to purchase another vehicles. I am disputing other items on my report so that 's not an issue. The issue is someone is trying to use my information.

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 08/29/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax mortgage solutions continues to report incorrect information on my credit report.They are reporting items as late that I have not had since XX/XX/XXXX.My report changed within a month to reflect items that are XXXX yrs old to be reported as late payments as of XX/XX/XXXX.They have also added items that were previously removed due to being reported in error.This incorrect reporting not only caused me not to be able to obtain a mortgage but caused me to be place on un paid job leave for 90 days which will ultimately result in permanent job termination if the items are not corrected.I have been working really hard for the past 4 yrs trying to repair my credit and made sure every payment to every debt, credit card or loan I have is paid on time or early but all of my hard work has went down the drain due to the incorrect reporting and now I can potentially loose my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collections through Jefferson Capital Systems in my credit report account # XXXX from XXXX XXXX. I have tried disputed through the credit bureaus that it is not mine but have had no success. I called the company and they stated I lived at an address I have never heard of and a cell number I have never heard of as well. I told them it was not my debt and I wanted it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Mortgage (Other mortgage) with PHH Mortgage Services Corporation (MN).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I have applied for loan modifications with our mortgage company ( and received them ) a few times in the last few years. The problem is they have n't lowered the payments or interest rate. We recently filed bankruptcy but did not include our home. Our bankruptcy lawyer informed us about the HAMP program and we have a XXXX XXXX loan. Our mortgage company never mentioned this program to us and now are saying we do n't qualify because of our modifications. 
Our bankruptcy lawyer suggested contacting you to help take care of this. I 'm certain we would have qualified for the HAMP back when we first applied for a modification and would like to see that remedied. Also, the attorney mentioned that we should n't have had to pay thousands of dollars to receive the modification ( which was required each time ) but we were not aware that they are n't supposed to require that so we had to take out a loan using my husbands XXXX account and because of that, his take home pay is {$800.00} less each month because of the loan payment right out of his paycheck. 
I am quite frustrated with our Mortgage company PHH Mortgage as they have not helped us with the financial difficulties but made them considerably worse. Now they are saying we are going into foreclosure again on the XXXX of XXXX Please help. 
XXXX and XXXX XXXX PHH Mtg LN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (SC).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2015 I responded to a letter from Wells Fargo offering XXXX a line of credit, inquiring as to what I could be approved for and at what rate ; an audio recording of that call, provided by Wells Fargo, is attached to this email as well as a transcript of relevant dialogue below. In short, I only wanted to know what rates would be available to me and made very clear that I did not agree to take on any line. After this conversation Wells Fargo began sending me information in the mail about my " new line of credit and credit card ''. I contacted them and told them I never wanted this line, that I did not agree to take on this line, and that I needed it closed as they opened it in error. After nearly XXXX months of communication with them they stated that this very call is the call where they feel I " verbally agreed '' to take on the note, they then said they would close the line noting it as " closed by customer request. '' I have told them this solution is unacceptable and they have not resolved it any further. Now it appears on my XXXX credit report that I opened and closed a line of credit, which as you know, looks bad XXXX. 

As you will hear in this call, I never agreed to take on a line of credit XXXX and want this line expunged from my record. There should be no record on my XXXX credit report that I opened and closed a line ; Wells Fargo opened a line in my XXXX name fraudulently and I want it removed and noted as fraud so as to keep my XXXX credit record clean. 

Thank you so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX, New York XXXX RE : APPEAL Loan Modification - ACCOUNT NUMBER XXXX SCAMMED THROUGH XXXX XXXX XXXX, HIRED BY OCWEN LOAN SERVICING To whom it may concern : I am writing to APPEAL and in regards to a loan modification that was offered to me on XX/XX/XXXX via XXXX XXXX XXXX, a company which YOU HIRED TO FORECLOSE ON ME AND TAKE MY HOME AWAY FROM ME. 

Then on XX/XX/XXXX you send me a letter detailing the denial which states I have 30 days to appeal From the date of the XX/XX/XXXX letter. But you went ahead and started the foreclosure process already. 

I did not accept this modification because you did not do YOUR part to come up with a successful loan modification. A SUCCESSFUL LOAN MODIFICATION TO ALLOW A HOME OWNER TO STAY IN THERE HOME and A LOAN MODIFICATION THE ADHERES TO THE LAW SUIT THAT WAS SETTLED BETWEEN OCWEN AND THE CONSUMER FINANCE PROTECTION BUREAU OVER THE SUMMER OF XX/XX/XXXX. 

FIRST OFF, YOUR DENIAL FOR FUTURE MODIFICATION STATES THE ACCOUNT HOLDER WITHDREW HIS APPLICATION. I DID NOTHING OF THE SORT, I DID NOT WITHDRAW MY APPLICATION. XXXX XXXX XXXX A FIRM THAT YOU HIRED TO DO LOAN MODIFICATION REACHED OUT TO ME, I DID NOT REACH OUT TO THEM, GET THAT STRAIGHT. 

SECONDLY THEY WHERE CONTACTING ME AT MY PLACE OF EMPLOYMENT WHICH IS AGAINST THE LAW. WHY WOULD YOU HIRE OR WORK WITH THIS XXXX XXXX COMPANY AS XXXX XXXX XXXX AND HARRASS HOME OWNERES AT THERE PLACE OF EMPLOYMENT. 

I WAS XXXX XXXX SCAMMED BY OCWEN BECAUSE EVERYTHING THAT I HAVE READ ABOUT XXXX XXXX XXXX STATES THEY WORK WITH OCWEN IN MODIFING HOME LOANS. 

AMOUNGST ALL THE OTHER ILLEGAL PRACTICES YOUR FIRM DOES YOU HIRE XXXX XXXX XXXX TO DO YOUR LOAN MODIFICATIONS FOR YOU. THIS NEEDS TO BE LOOKED INTO BY THE CONSUMER FINANCE PROTECTION BUREAU AND AGAIN ANOTHER LAW SUITE AGAINST OCWEN. I REFUSE TO LOOSE MY HOME AND PROPERTY AGAINST THE XXXX XXXX LIKE OCWEN AND XXXX XXXX XXXX.

YES TAKE THIS AS AN APPEAL AND THIS APPEAL WILL BE FILED WITH THE CONSUMER FINANCE PROTECTION BUREAU ASASP. 

CFPB NEEDS TO SHUT XXXX LIKE YOU DOWN. Thank you Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My wife and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by ABC Financial, the financial company for XXXX XXXX. I also mailed a copy of my Arizona ID and a letter expressing my wish to cancel by certified mail as they requested. ABC Financial continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my Arizona ID was not readable, and therefore they could not cancel my membership! XX/XX/XXXX, I received a notice from a collection agency called XXXX XXXX XXXX, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.

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. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, Equifax was breached by unknown parties and my credit information - SSN, addresses, DOB - was leaked. I was only made aware of this on XX/XX/XXXX when media outlets began to report the breach. Despite having had more than a month to communicate or attempt to provide some sort of remediation, they have done nothing. Furthermore, the tool used to check whether or not my data was stolen only suggested that I return in a week to sign up for indentity protection services. This is an unacceptable state of affairs.

Company response to consumer: Closed with explanation