milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, we contacted Wells Fargo Customer Service by phone and asked for our XXXX Wells Fargo accounts to be closed : a Checking account, a Balance Plus account, and a Wells Fargo Advisors account. The customer service representative told us that the accounts would be closed immediately and verified our mailing address so that they could mail a check to us for any remaining funds. On XXXX XXXX, we received two letters from Wells Fargo. One letter, from the Deposit Products Group, dated XXXX XXXX told us they were converting our checking account from a PMA account to a Wells Fargo Everyday Checking Account and included a list of fees. The other letter, from Wells Fargo Advisors, dated XXXX XXXX, was a PMA Benefits Expiration Warning and a list of fees. Apparently, Wells Fargo has not honored our request to close our accounts. Instead they have converted them to some other types of accounts that we did not request. We would like to get Wells Fargo to close our accounts, refund any fees they may have charged since XXXX XXXX, and send any remaining funds to us.

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 11/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Paypal Breached their contract with me on XXXX and illegally seized the funds in my account and gave me a bogus excuse saying my skincare items breach their user agreement when I check their user agreement there was no mention of skincare creams being banned from selling on their platform. With all this information XXXX still decided to hold my funds for 6months and now the 6months are up on XX/XX/XXXXPaypal still has my funds seized and my funds restricted I am only allowed to remove XXXX a month of my own money, I never gave them permission to use XXXX and Mis-Handle my funds they are breaching their contract because the 6months is over and they still refuse to release my funds!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Credit card () with DISCOVER BANK (DE).
Issue: Closing/Cancelling account

Complaint: My discover it credit card account was closed by Discover yesterday without any notice. I realize this case by receiving email from XXXX saying my payment is not successful. I never missed XXXX payment and did not do anything improperly. I was wondering why this is happening and called the service center. The only reason I learnt is " BUSINESS REASON ''. Not sure if this will affect my credit score. After searching on XXXX, I realize this is not only for me. Many XXXX card holders experienced the same situation. Hope this is not a discrimination thing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Pressler & Pressler had taken over XXXX from my bank account without my knowledge each time. The last withdrawal was a week before XXXX. I became very XXXX since. I almost lost my car, got evicted, water got shut off ect ect. They haave threatened to have me arrested and said that i would have to come up with the money somehow. I never allowed them to take any money from my account. The first time they took money out the women I spoke with asked me if it was ok for them to withdraw money again and I said No! They still went into my bank account a few months and did it again! All of my sons child support gone. I do n't think they went about this fair. The court officers were very nasty and would hang up on me or yell at me when I would call them to find out the debt. I asked Pressler & Pressler to send me all the information on the debt so I can see what I owed and all they sent me were papers stating how much I owed. That was not enough proof for me. They just tell me I owe this I owe that but they have no proof and they still go in my bank account and take my money. They took money out two times for an account and they still have n't refunded me the money. They are denying taking out the money and I had XXXX send them twice the proof that the money was withdrawn from them yet they still wo n't refund me the money. I 'm so confused on how to settle this cause they do n't give me a minute to explain. They hang up on me ... Please help me. I. Afraid to put any money in my account to pay bills because I do n't want them to clean out my account again. I went through a very bad XXXX after this and I just want this nightmare to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Attached you will find letters I have written to XXXX XXXX home mortgage. They sent me information back stating it 's not mine which is my point exactly. It belong to my ex husband who passed away. How can they report it on my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 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 is not mine

Complaint: I obtained a gym membership with world gym XX/XX/2015. Shortly thereafter I decided to discontinue the membership. In addition to notifying the gym in person I mailed them correspondence regarding my cancelation on 2 separate occasions. The first time with my initial request, and the second after they 'd debited my checking account despite my request for cancelation. I also corresponded with an agent via email regarding my request for cancelation. Months later I received a debt collection notice from Seas and Associates regarding a past due balance. Prior to my request to cancel my membership I paid my balance in full. The gym continued to bill me despite me satisfying my contractual obligation to cancel this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I have a negative item on my credit report from ShellPoint Mortgage Serv which was opened in XX/XX/XXXX. The original debt was with XXXX XXXX XXXX which has since been absorbed by ShellPoint Mortgage. It was the joint responsiblity of myself and my exhusband, XXXX XXXX. In XX/XX/XXXX I filed Chapter XXXX. All of my debts were discharged in XXXX XXXX. I have contacted the company, including an officer of ShellPoint to try to get this resolved on all three credit reports. The company will not correct their records. I am taking significant hits since this is a negative itme on my credit reports, the ONLY negative item. 

Can you help me? 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have repeatedly told Conns to stop contacting me and they say that the calls will not stop. I am only one payment behind and have told them when and how much I am going to pay. They call me up to 8 times a day. They don't accept XXXX XXXX and want me to change to a different prepaid card or open a bank account and pay by check. Even if I did this, I would still mail in a money order. I am only 1 payment behind and some reps claim I have never made a payment and want me to produce bank statements. i don't have a bank account. I have repeatedly told them this. I am including a screenshot of the last 10 bill pay payments I have made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with MSW Capital, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CFPB complaint dated XXXX/XXXX/16 This complaint is in reference to XXXX XXXX forwarding a direct dispute to MSW Capital LLC and that MSW Capital LLC appears to have never received because of the wrong address and MSW Capital LLC reply to another complaint I filed with the XXXX of New Jersey on XXXX/XXXX/16. MSW Capital LLC continued attempts to collect on a paid account. 

History After a dispute through the CRA 's, XXXX XXXX updated the account as paid. 


On XXXX/XXXX/16 ( see attached ) I sent a direct dispute to XXXX XXXX regarding the paid account being properly reported. They forwarded that dispute to MSW Capital LLC. XXXX XXXX XXXX, NJ XXXX XXXX XXXX had stated they transferred the account to MSW Capital LLC . However XXXX XXXX does not report MSW Capital LLC on there trade line as owner of the account. My credit report has no other account reporting under MSW Capital LLC. 

I submitted a complaint with the XXXX in reference to clarification of MSW Capital LLC address. MSW Capital LLC replied XXXX/XXXX/16 there address was MSW Capital LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( see attached XXXX Complaint ) However MSW Capital LLC response indicates they have not been notified the account has been changed to paid after a dispute through the CRA 's in reference to the XXXX XXXX account. To avoid MSW Capital continue attempt to try to collect on paid account I would like them properly notified. 





Attach credit report showing XXXX XXXX Account paid dated XXXX/XXXX/16 Letter sent to XXXX XXXX XXXX/XXXX/16 Letter XXXX XXXX response XXXX/XXXX/16 XXXX MSW Capital response XXXX/XXXX/16

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my information among 143 million others as I learned today that my information was stolen. They have my social security number, credit card numbers, income, employment info, birth date, legal name, know my equity levels, and access to security questions. I am very concerned that my identity will be hacked and compromised after being careful all these years to avoid dodgy websites. I am very concerned that someone may steal my identity and credit and or file a fake tax return now that they have my information. This is a huge problem and I hope the government can do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My complain is with Equifax. What is the status of providing my results on previous investigations. How is the verification the XXXX XXXX has the more correct data than the US District documents that I have. Equifax closes investigations with statement, Closed with Explanation sent to consumer. The explanation is horrible, there is no validation unless a company can verify its own information. the name of the company, address, and the statement this has been verified as an account belonging to you. I want to know how and who is able to verify this and the document that prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a complaint on here on XXXX XXXX, XXXX in regards to XXXX XXXX XXXX improper validation of my so called debt. I sent them XXXX different letters, first being on XXXX XXXX, XXXX that was received and signed for on XXXX XXXX and the second being on XXXX XXXX, XXXX that received and signed for on XXXX XXXX, XXXX. Both letters were sent certified mail. XXXX XXXX XXXX replied back to my complaint that I filed on here, XXXX XXXX XXXX. XXXX is their response which is completely false and in accurate. 


" Response disputed XXXX XXXX XXXX XXXX said : Explanation of closure XXXX purchased the XXXX XXXX XXXX ( XXXX ), XXXX. ( " XXXX XXXX '' ) XXXX XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$480.00} was due on the account at the time of XXXX XXXX purchase. 
XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent a letter on or about XXXX XXXX, XXXX, containing validation. XXXX also sent a letter containing a fraud/identity theft affidavit with instructions for its completion and return. 

Response In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time '' I never received any such letters on the past dates that they are stating. I share the same name with my deceased father that passed away in XXXX. He was going through financial hardship in his last years, I already have a identity fraud case filed with all XXXX reporting credit bureaus. It is very easy for a parent who shares a name with their child to open accounts in the child 's name. Which is the case here. This debt does not belong to me what so ever. This account needs to be deleted from my Trans Union and XXXX credit reports. XXXX XXXX XXXX broke the law by not responding to me in a timely manner and not even responding at all. I never received the letters they claim they sent on XXXX XXXX, XXXX or the letter they claim to have sent on or about XXXX XXXX, 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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft

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 07-06-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I was laid off in XXXX, and was able to maintain my accounts, and sanity, until being forced into bankruptcy, XXXX XXXX. 

Neither my XXXX with XXXX or the HELOC with Chase were mentioned. 

XXXX notified me they were required to cancel my auto-pay until discharge, and could mail payments until the discharge came through at which time the auto-pay would be re-instated. 

Chase notified me they would not accept any payments until discharge, even though I said I wanted to mail them in every phone conversation I had with a Chase agent. Each time, I was told " Not until you 're discharged ''. 

By the time the discharge was in my hand, Chase had transferred my account to 'modification ', which I had NOT requested, again refusing payments until 'modification ' was resolved. 

From XXXX, XXXX to present, EVERY call I had with ANY of the numerous agents I was 'assigned ' to contained - " I want this resolved so I can resume payments '', as a review of their phone logs will confirm. 

EVERY request I made to resume payments was met with refusal. 

In XXXX, XXXX, I resumed payments, which were accepted until XXXX checks were mailed back to me in XXXX, XXXX. 
Another payment was accepted in XXXX, XXXX. 
From XXXX, XXXX until present, I 've supplied every document Chase requested, multiple times. 
I have been put through the same process over a XXXX times, each time with a different agent, having to go through the same process time and again. 
NO one in any position of authority at Chase has never accepted responsibility for the position they have put me in, even though the last XXXX agents I 've had to deal with, XXXX XXXX, XXXX XXXX and XXXX XXXX, have agreed that a ) this is wrong, b ) this is not of my making, and c ) I 'm not the only XXXX this is being done to - not that I ever thought I was alone in this. 

Since XXXX, XXXX, when I got notice they would no longer accept payments, all I 've wanted to do was resume paying the indebtedness I agreed to pay. 

Chase is now demanding what they are calling 'delinquent ' in XXXX sum or they will foreclose, and XXXX agent told me that Chase had foreclosed in XXXX while I was still supplying the requested information. 

Both the Housing Counselors at the XXXX in XXXX, and an agent I spoke with about a Reverse Mortgage said that this is a tactic Chase has been using for years and they hear the same story time and time again. 

I feel Chase has purposely put me in a position I 'm not able to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I did not know of this collection. This account happened in middle of  XXXX , It 's  XXXX , The negative remarks by Southwest collection company Does not speak respectfully, attacking me on the phone, I asked for verification because the  XXXX  would not give me membership unless I paid ahead of time. My car would not get fixed so I could not have a membership without a car, Roadside assistance. They report wrong, dates, wo n't be respectful, verify valid account, refuse to send me document 's, address, FAX? They keep attack me as a person on phone, were you live, phone number, question by email, were my email was hacked and fraud deleted information to USDOJ.   Stalking at the law, ID THEFT to collect individuals address, Business address, government websites,  XXXX  &  XXXX ,  Secretary of State business  entities. Abuse of power.     My fico score is damaged, denied credit, loans, etc.     They keep taunting me and I can not get the information, I asked them to mail or FAX but they refused!      SOUTHWEST CREDIT SYSTEM   XXXX   XXXX   XXXX   XXXX ,  XXXX  {$140.00} {$140.00}  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with Home Point Financial Corporation (CA).
Issue: Trouble during payment process

Complaint: My escrow account has been set up incorrectly and the bank is not doing anything to solve the problem. My monthly payment is {$2200.00} and it breaks out into Principal and Interest {$1300.00}, Escrow : {$870.00}. Escrow account should include taxes, insurance premiums and PMI. Taxes : {$4000.00} annually ( Parcel - XXXX XXXX County - CA ) Insurance Premium : {$390.00} annually and Private Mortgage Ins. {$210.00} monthly. If this is what my escrow account should include, plus any sort of " cushion '' I do n't know why it has been set up to {$870.00}. It should roughly be {$590.00} My escrow balance up to date is {$3300.00} which is far more than what it should actually be. I have requested my bank in several occasions to please update my escrow account by having an escrow account analysis done and they refuse. They say it will be done until XX/XX/XXXX and recently a representative emailed me saying it would be until XX/XX/XXXX. This is a huge difference and it is been a burden on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Mortgage has documents that are forged or Robo Siging as well as signatures placed over my signature on other documents. 

Documents have been sent out to document companies to verify the the singing as well as to other issues to documents There are several issues at hand. Wells Fargo Mortgage does not want to comply for what is said or the direct issues at hand to this issue as to other issues that they want to act as if there is nothing to the issue but there is fraud and I have had documents look at as well as signatures. 

I 'm filing an Identity theft on the Notary For Wells Fargo Mortgage as to why she sign my name and as to why she lied and said on the document I personally appeared before her in which I did not nor sign any document. 

I have filed a police report on the Notary/Agent Identity Theft and will have her prosecuted in the courts for Identity theft. 

I have given Wells Fargo Mortgage enough time with playing there games in which I had some file on the Notary/Agent acting on Wells Fargo Mortgage. 

Some one will talk once there arrested as a notary/agent for Identity theft. 

All Wells Fargo wants to do is play games and act as if they have done nothing or not acting in fraud.

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