milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Debt collection (Mortgage debt) with James E. Albertelli, P.A., a Florida professional association (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I received a letter from XXXX XXXXXXXX XXXX Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
XXXX XXXXXXXX XXXX and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now XXXX XXXX XXXX is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
XXXX XXXX and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why XXXX XXXX XXXX and XXXX XXXX XXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and Retired and Divorced and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
XXXX XXXXXXXX XXXX, XXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: On or about XX/XX/2016 my wife went into Chase Branch at XXXX XXXX XXXX in XXXX NY. ( this being the same branch both myself and my wife bank with ). 
She was looking to open a new credit card utilizing her sole name and credit. After completing the application and being approved for the card she was " convinced '' to have her husband ( Myself ) as an " Authorized user '' on this account to " gain more points ''. My wife specifically asked to Chase at that time, that this would have no impact or be reported against myself ( her husbands credit ). About 20 days later I was informed by my own credit monitoring company that an account by Chase has been opened AND reported against MY credit showing a balance etc. - I asked my wife about this and she was adamant that the person who took her application at Chase clearly stated that this new card account with Chase in no way would have any affect or be reported to any credit agency against her spouse ( Myself ). 
My wife reached out to the individual at Chase that took her application, who was totally Un-Aware and informed her this would not be reported against any authorized users credit. After speaking to the Branch Manager ( XXXX XXXX ) on XX/XX/XXXX he informed me that he was well aware of this going against the authorized users credit, and WAS written on the form in the small print that my wife had signed and agreed to. His only answer was to close the account against my name and told me it would " Probably '' come off my credit report. - When I asked for a letter simply stating that this account was opened and reported against my own credit without MY authorization he responded with " I can not write a letter ". 
This Branch and the managers at CHASE need to be held accountable and stopped, for opening probably thousands of accounts and having a direct impact on an individuals " Authorized users '' credit without their knowledge of an account even existing. We all know how precious and important it is these days in this credit environment and for Chase to blatantly lie to customers is simply not acceptable. - I am still trying to get a letter from Chase to get this removed entirely from my own credit. The officers at Chase taking such applications who supposedly " Know their Customers '' should have a fiduciary responsibility to their customers to read verbatim the part in the application that discusses who the opening of this account will affect credit wise, be it the main card holder or any authorized user they want to add.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Home equity loan or line of credit) with HOMEBRIDGE FINANCIAL SERVICES, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: HomeBridge Financial Services reported a negative account to my credit file, which means Bankruptcies, liens, garnishments and other judgments. This significantly dragged my credit score down and would stay on my credit file for at least XXXX years. Because of this, I failed my application to buy my dream house. This was totally inaccurate and unprofessional. I 'd like to provide all the correct information below. 
**** HomeBridge Financial Services started my mortgage loan on XX/XX/2016. I paid {$4400.00} in XX/XX/XXXX to cover the period from XX/XX/XXXX to XX/XX/2016 by check. The monthly payment was {$2000.00}. I set up a monthly ACH drafting in XX/XX/XXXX, and I received a confirmation letter that shows the ACH drafting autopay has been effective on XX/XX/2016. Then HomeBridge auto charged the amount of {$2200.00} on XX/XX/2016 from my bank account. 
On XX/XX/2016, I received the letter to notify me that HomeBridge has sold my loan to XXXX XXXX, and it would be effective XX/XX/2016, which means the payment I just paid on XX/XX/XXXX was the last payment to HomeBridge. In the meantime, I received a bill from XXXX on XX/XX/2016 to ask for {$2200.00}. I sent the check to XXXX as well, which ended up with I paid {$2200.00} twice in XXXX. Other than that, I never stop the autopay with HomeBridge, so if there 's a bill there, they would auto charge my money from my autopay account. All these above just shows that I always take my responsibilities, and never paid my bill late. 
However, HomeBridge reported me a negative account on XX/XX/2016. On that day, the new loan mortgage XXXX already collected XXXX months payments from me. How would they report me a negative account?! I have kept all the transactions in record, monthly payments from my bank account in pdf file, the auto pay confirmation letter form HomeBridge, and the letter when they sold my loan to XXXX. 
I was applying for buying another house, but the negative account reported by HomeBridge horribly affected my application. I really like that house, but I can not get my loan application approved since the negative account. So I lost it. 
I contacted HomeBridge Financial Services office several times at XXXX, and left many voice mails, but I got no response from them. 
I 'd like to provide all the documents I have kept. And I need HomeBridge to give me a solution how they pay my damage caused by them due to their errors.

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 06/21/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Equifax is reporting a debt for a company called XXXX XXXX XXXX in the amount of {$53.00} I have tried to resolve this issue by sending 2 letters. One in XX/XX/XXXX and in XX/XX/XXXX trying to get Equifax to validate the debt. I have never done business with this company. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: The company Ditech assessed a late fee for a payment. According to the Ditech representative I spoke with, the only way to make sure the late fee is paid off without the payment going to the principle or interest on the loan is to pay {$19.00} to have a representative take the payment over the phone. 

This is an unfair fee to cover a late fee of {$70.00}. 
Other methods of sending in a check are no guarantee that the late fee will be paid according to the representative I spoke with at XXXX XXXX CST on XXXX XXXX, 2017. 

What is the purpose of this unreasonable fee for making transactions over the phone?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a dispute with all XXXX credit bureaus ( Transunion/XXXX/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

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 09-01-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion File # XXXXXX/XX/2018XXXX XXXX XXXX XXXX XXXX CA, XXXX has no unit number and is not no address and Transunion has showing on my credit report address that is in error. correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Transunion has address that is not my address correct. Transunion runs multiple address of the same address over and over. This address was in 4 different ways in a address.

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 02/16/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: I accidentally paid a balance on the wrong credit card resulting in a credit on this card of {$5700.00}. I contacted the credit card company immediately after receiving the statement that alerted me to my mistake to have them send the money back to my checking account. I was told on the phone by the credit card representative that this process would take 10 business days. I did not receive the return of my money in the allotted time frame and when I followed up with the credit card company they told me that the request must be approved and they are unable to tell me when my money would be returned 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 07/20/2016 about Mortgage (FHA mortgage) with Selene Finance LP (TX).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, I submitted a request for modification assistance to my lender Selene Financial. Selene Financial, has refused to review my loan for modification assistance citing that they do not have to review my request if my loan is less than 37 days from a date of sale. Selene confirmed receiving a full package on XXXX XXXX, XXXX, and furthermore we were never given any such date which would be deemed too late to review our documents. This fictiosous rule was only implemented when our package was received by Selene. The FHA general rule of thumb is that loan modification requests require a minimum of 30 days for review of a full package. 
Please also note a sale date was imposed on our home on XXXX XXXX, XXXX, which was also after having received our documents for assistance XXXX XXXX, XXXX. XXXX and a well-known foreclosure mill named XXXX XXXX XXXX are attempting to set aside federal rules and statues surrounding loan modification review. They have seen the equity in our home increase significantly over the past couple of years. This act is known as " Dual Tracking '' and has been illegal snice XXXX National Mortgage Settlement. 
My understanding is that Selene Financial, has one purpose at this point which is to foreclose on our property due to the increase in home equity over the past 18 months and the fact that our family suffered financial set back on multiple occasions prior to our request for assistance. Furthermore, it is our belief that because our loan is government insured loan both XXXX XXXX XXXX XXXX aim to profit from padded, trumped up legal fees and filing a claim with FHA for insurance money to cover my loan. 
I also am certain that my original loan does not contain a power of sale clause, which, means Selene and XXXX XXXX XXXX, are required to complete a judicial foreclosure on my home rather than non-judicial. 

See statute below : Most residential mortgage foreclosures in Texas are no judicial, which means the lender can foreclose without going to court so long as the deed of trust contains a power of sale clause. ( A " power of sale clause '' is a paragraph in the mortgage that authorizes the no judicial foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Installment loan) with PROPEL FINANCIAL SERVICES LLC (TX).
Issue: Managing the loan or lease

Complaint: I have sent in overpayments. The amount due plus extra to be applied to principal only. However they apply the extra payment to interest and principal, not the principal only. In  XXXX  there was no payment due per the statement but I still sent in {$100.00} to be applied to principal and they applied it to the interest not a single   XXXX   was applied to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit card or prepaid card (Government benefit card) with Comerica (PA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Direct Express says i am dead and suspended my Social security account. I  have been trying for over 2 weeks to get someone from direct express or social security to help me. I have called both DE and SS many times and have been to my local SS office 1 time so far, I plan to try again tomorrow. I am almost out of money and i really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (Home equity loan or line of credit) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Completed a chapter XXXX bankruptcy in XXXX. have sent in XXXX payments since and requested a statement every month. No statements or correspondence. No year end XXXX interest statements either. I am concerned that this lender is doing this deliberately. Previous to this situation this lender took over for the original lender that closed.I am also concerned the balance owed is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with XXXX that was opened in XX/XX/XXXX. The account was sent to Midland Credit Management in XX/XX/XXXX for collection. They continue to report my status as a charge off even though it was paid. In XX/XX/XXXX I had lost the information for MCM after making payment arrangements. I called XXXX to get their information and was told I could make payment through them, so even after selling the account off, they illegally took a payment from me in XXXX XXXX, thus allowing them to re-date the account on my credit report. XXXX also shows the date of 1st delinquency as XX/XX/XXXX, however, supplies no data for any month from XXXX XXXX through XXXX XXXX, other than the months in collection. Midland is reporting they received the account in XX/XX/XXXX, though XXXX shows them sending it to collections XX/XX/XXXX, thus allowing Midland to improperly report the information and further affect my credit longer. Midland also reports the account as " Paid account/was a collection account, insurance claim or government claim or was terminated for default '' in an attempt to make a lump sum status even though each of these items carry a different rating with lenders thus affecting approvals differently and they also look for liens/judgements when a debt is tied to insurance/government claims thought that is not the case. Both of these companies are unfairly trying to prolong their negative reporting has on me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was previously with XXXX and I started doing a loan modification with them and in the middle of the loan mod they sold my loan to another lender XXXX and this lender send me to another lender XXXX and so on... In the meantime I did not receive any information of this until after I received a trustee sale date and when I called Quality loan Trustee  I asked them who is the loan with they said Caliber Home Loans I asked them what was the loan number and they hung up on me. I called around XXXX times to them and they kept hanging up on me. After XXXXcouple days of this I finally got a hold of someone who helped and provided me with a loan no. I called Caliber home loans gave them my social, the loan no. provided by quality loan and they kept hanging up on me as well. When I call caliber home loans and they ask me to enter the loan number which I did but the phone kept hanging up on me after I put in the loan number. I also went online and printed a loan modification packet, I filled it out and put together a full packet by the RMA instructions and I faxed in to Caliber home loans. The next day I called them asking them if they received my fax they said they did not and I told them I have confirmation but they hung up. 
I called them couple days later and asked them about the fax and the loan, they kept asking me for the loan number which I only received from Quality loan but they say that's not it and hung up. I even gave them my social date of birth which by that information they should locate my loan but they cannot and hung up again. 

I don't know what to do anymore and how to work with this company. I have a sale date scheduled XX/XX/2015 and am very worried that they are doing this to just say oh you did not send us any docs for a loan mod and then they will just sell the home. How can I get a hold of them so I can work with them? 
Please help me as this is getting out of hand and getting very close to the sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing Inc is my mortgage company ( this is the XXXX owner of my mortgage in about three years. Two years ago I received help from the federal government through a HOPE grant to avoid loosing my home to foreclosure. They paid my previous mortgage company {$17.00}, XXXX to bring my account out of foreclosure and I was able to resume paying my mortgage after resolving my financial issue. Since this time that SPS purchased my mortgage they are reporting to the credit agencies that I owe them this amount in my payoff amount. I understand by getting this HOPE grant that if I do not keep the home, ( sell it, or loose it ) I will be responsible to repay this grant amount of XXXX if I do n't keep the home for ten years from the grant date, about two years ago. Here is my issue .... SPS received the amount of XXXX ( or at least the companie that owned my mortgage then did ) and I do n't think it 's fair for SPS to calculate my interest on the total amount still owed plus the grant amount daily, and montly and for SPS to report that I owe a debt of the additional amount of the grant money they received of XXXX. This is a loan I got from the federal government and I will owe the federal government if I loose or sell my home within the ten year guideline. SPS is using this amount to charge me additional interest and fees when they received this money, it is an unfair charging system that will never allow me to pay off this loan. SPS has also created a Escrow account that was not part of my original loan agreement and I feel illegal to attach to my mortage and create a extreme amount monthly to force me into foreclosure through extra charges not agreed to in my original loan agreement with the original mortgage company.. see attached documentation.

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