milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX # XXXX. I had complaint about this company before and I had not received back any correspondence from this company. It has been more than 30 days since and this account I demand to be removed from my Credit Report.Pursuant to the Fair Debt Collection Practices Act, XXXX U.S.C. Section XXXX, you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Creditors ordered a judgement on me, and I have not even received from this creditor that they were put a lawsuit against me. I found out when I noticed I have no money in both my checking and savings. The monetary amounts in my checking and savings are from unemployment benefits, which is exempt. I have proof of the dates and amounts of how my benefits. I exhausted my benefits at the end of XXXX, so for XXXX weeks, I had no income coming in. As rough as this economy is, I barely found a job 5 days ago. After my XXXX day of employment ( which I have not been paid yet since I just started working there XXXX The creditors took all my checking and savings. I have no idea who they are and how much I owe, if I did I would have made an instalment plan with them. I want to file a complaint with them. They have taken out unemployment benefits from my checking and savings. They did not inform me of a lawsuit being made against me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Overlimit fee

Complaint: American Express is XXXX of several credit cards that I pay automatically from my XXXX Bill Pay account. Bills are received automatically and paid on the due date. I have received XXXX bills today, both were due on the XXXX of the month. Per XXXX, the XXXX payment was delivered on the XXXX and the XXXX payment was delivered on the XXXX. In both cases, the payment was posted on the XXXX and a late fee applied. I contacted American Express and they insisted the payment was received on the XXXX. They did agree to correct XXXX of the late charges but no the other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2017 about Mortgage (VA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage with Franklin American Mortgage Company. I have a XXXX that is service connected and not require to paid property taxes in the state of Alabama. I send too the mortgage company what receive from tax office in XXXX, Al. The problem is that they continue to collect property taxes in my escrow. I have spent appt. 10 to 12 hours talking to them and their mangers to no avail. I sended in my information around XXXX Or XXXX of each year. I 've had my mortgage for 22 months and when I call them this last week the lady appear not to have a record of my paper that was mailed in XXXX XXXX. The manager I talk to said that I was making escrow payment for XXXX. My question was why are they collected for XXXX when I have mail them my paperwork fort XXXX and XXXX. He said that they would mail a refund at the first of the year. Why should they be charge me escrow when I could get interest on the money if it was in my saving account. 





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Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: we took out a XXXX mortgage on our house to have some work done XX/XX/XXXX. 
XX/XX/XXXX we rolled both the primary mortgage ( XXXX XXXX XXXX ) and the XXXX mortgage ( GE Money Bank ) into one mortgage with a different bank. GE Money Bank never released the lien on our house. We are trying to get an equity line of credit to have some more work done on our house ( all mortgages have been paid in full since XX/XX/XXXX ) and with this lien showing on our house we can not get the loan needed. I have been talking to multiple persons with Synchrony Bank ( GE Money Bank was renamed to Synchrony Bank ) and they say that they can not help me as they do n't do this type of loan. We need this to be resolved as soon as possible.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am contacted at least 8 times a day by different phone numbers from the same student loan company. One that is received every night at XXXX EST. My number is from the the mid-west prior to moving to XXXX. The company is contacting me looking for my son who owes a student loan for Navient. I have told them how to contact him, and was told to give them their number to contact them. I let them know I would weeks ago, and I am still receiving the calls every single day. It is not my loan, and my son has also heard from them letting them know of his situation. These are the numbers contacting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The last number listed calls at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I  started loan modification XX/XX/2015 wells fargo ln XXXX  XX/XX/2015 received loan mode papers XX/XX/2015 wells fargo acknowledge that received my loan mode papers papers, XX/XX/2015 wells fargo send me letter that not received my papers so taking to foreclosure XX/XX/2015 wells fargo refunded my extra funds XX/XX/2015 new SPC XXXX assigned for Loan Mode XX/XX/2015 I called wells fargo   gave all financial info XX/XX/2015  XXXX  acknowledge that they received information  , XX/XX/2015 XXXX new SPC  ,XX/XX/2015 I raise objections needed answered  still not received  any reply from wells fargo ,  XX/XX/2015 & XX/XX/2015  wells fargo send letter to me that they need more time to answer my objection  letterXX/XX/2015 recorded foreclosure on house while I was in process of loan mode & correspondence , XX/XX/2015 & XX/XX/2015   I  received call to submit my  complete loan mode  XX/XX/2015 & also XX/XX/2015 I I fax over XXXX pages  complete loan mode package as requested,  XX/XX/2015  fax all  corespondence sequential papers to wells fargo , Till now , I did not received there reply but I am in foreclosure without Notification of Denial loan mode  and appeal   . My objection letter dated XX/XX/2015 reg mail to Wells Fargo Mortgage &  also to XXXX ., I requested them to answered with in XXXX days . Instead of reply / answering  they put my house in Foreclosure.
My Foreclosure sale date XX/XX/2015 . I give Wells fargo remedy and  solution which help XXXX parties .
   In the past wells fargo approved me for  forbearance plan than for HAMP , I paid XXXX agreement more than a year and then suddenly they stop taking my payments my all payments during agreement was in time .Now I am requesting  to give me previous HAMP deal= XXXX./ month including every thing.
Other wise XXXX parties will waste time & litigation money.
My Address is  XXXX Ca XXXX  TelXXXX / XXXX
  I can fax you all recent  sequence correspondence letters , so you can convince Wells Fargo,  and I authorize you to talk on my behalf  and do legal investigation to stop , cancel, resend  about illegal Foreclosure Sale on   XX/XX/2015.   I can provide all proof as needed  ,
all my statement is true to the best of my knowledge  Thank you. end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My latest credit statement continues to show a debt from XXXX that is several years old of {$110.00}. I negotiated a settlement on the original bill of {$230.00}, that was incorrect, with a credit supervisor named " XXXX '' in XXXX of 2013. I sent the check - they lost it, I had to stop payment on it ( I have a copy of the bank stop payment order ) and sent another check by certified mail which they cashed. In the " for '' area of the check I put the account number and paid in full. However, XXXX has passed the balance onto XXXX or XXXX other debt collection companies. I am XXXX of this and have the letters to prove my claim that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: Ocwen failed to apply our payment received on  XX/XX/XXXX  in the amount {$3200.00} until  XX/XX/XXXX . When Ocwen provided my  XXXX  for  XXXX , Ocwen did not include any portion of my payment received on  XX/XX/XXXX  in the year end tax statements provided to me for interest and I did not receive any tax statements for property taxes for my escrow. I have repeated asked my relationship  manager  at Ocwen why the payment was not included in  XXXX  tax payments and why my payment received on   XXXX   was not applied until   XXXX   XXXX   XXXX  .  Ocwen  fails to respond to my question and has their law firm,  XXXX   XXXX , respond to my complaint.  XXXX   XXXX  provides a payment schedule, but fails to explain why the  XX/XX/XXXX  payment was not applied until   XXXX   XXXX   XXXX

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 ALLY FINANCIAL 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: Ally 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 XXXX XXXX, 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 XXXX XXXX took it a step further and decided to contact Ally to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ XXXX since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XXXX 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 Ally 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 Ally has wanted to take accountability and accommodate me with what I was originally told. I 've even provided Ally proof of the information displayed on their website at the time and asked them to pull the calls. Ally has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from Ally on XXXX XXXX, XXXX at XXXX. Her contact number is XXXX 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 XXXX XXXX, 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 Ally with the burden of proof to justify my claim. Its sad because I was a loyal customer with Ally and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use Ally and will likely spread the word of how this company operates unethically.

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 12/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing has been deceptive and intimidating. It has been difficult for me to find my past due balance. I missed a regular monthly payment. When I attempted to make a payment to try to get caught up I could not find my past due balance. My printed statement listed a past due balance, but it did not list a payment that I had made prior to the statement being generated. My online account did not list a past due balance at all. It only told me that I had a regular monthly payment due. It also did not list any late fees or other fees of any kind. I then received a letter stating that my mortgage was now in default. This confused me even more because neither my statement or online account had any information about my loan being in default. Also, I did n't think my loan could be in default because I was approximately 30 days past due. I called SPS. When I called and entered in my account information, I was greeted by an audio recording stating that I had a regular monthly payment due. The recording made no reference to a past due balance or to my loan being in default or to any fees that may be due. I selected the option to speak with a representative. Prior to speaking with a representative I was greeted by another recording stating that I was about to speak with a " debt collector '' and that any information given would be used in order to " collect on a debt ''. At this point I felt SPS was deliberately trying to confuse and intimidate me. Is SPS a mortgage loan servicer or a debt collector? Is my account in default or past due? What is my past due balance? The rep I spoke with was polite, but not helpful. I did finally get my current past due balance. However, I was threatened with " legal action '' if my account was not made current with in 6 days. I was not given an answer to why my online account does not reflect my past due balance, is my loan in default or past due, why do I have to pay {$15.00} to make an online payment, why did my interest rate go up. Furthermore, I was given unclear answers about what kind of a company SPS is ( mortgage loan servicer or debt collector ), why do they use intimidating language both in documents and over the phone, is SPS purposefully trying to confuse me. I acknowledge that I am past due on my payments, but it should not be this difficult to find my past due balance and I should not be threatened and intimidated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX XXXX children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been XXXX month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : XXXX DATE XX/X/2011 Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX  stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: OCC # XXXX PUBLISHED XX/XX/2016 For the first time from complaints XXXX chase my servicer refer to the XXXX XXXX deal as a mortgage trust, XXXX XXXX XXXX. 

IN XXXX WHEN XXXX XXXX XXXX MORTGAGE WERE INVOLVED BY XXXX XXXX OF XXXX XXXX. 

DID YOU CONDUCT SOME SORT OF LOAN TRUST AT XXXX XXXX XXXX XXXX, MICHIGAN XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: USAA refuses to deposit tax return check for {$41.00} and change. ATM will not accept the deposit. Closed branch in XX/XX/XXXX with no nearby branch for hundreds of miles. App does n't work. Same problem had in the past and they ca n't fix it. Requested 2x of 2 hour windows to call and they could n't do it, stated they were busy when calling 45 min or more later. Took photo as requested. Completely readable. Refused to deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation