milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with Gurstel Law Firm, P.C. (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a Student Credit Card XXXX when I had turned XXXX and at that time attended XXXX University in XXXX as a full-time student and working only part-time and XXXX XXXX knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX XXXX full-time while working only part-time until XX/XX/XXXX when I relocated to Arizona for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told XXXX XXXX this at the time. Never got a response. To date, I had never received any correspondence from XXXX XXXX other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from Gurstel Chargo Attorneys at Law threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. XXXX XXXX has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel XXXX along with their attorneys Gurstel Chargo of XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. XXXX XXXX has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I enrolled in the Equifax fraud protection program on XX/XX/XXXX as a result of the security breach affecting millions of Americans. 

The website said to wait up to a few days for an email with next steps. Today is XX/XX/XXXX and I have n't received an email. I have checked my spam and trash folders. 

I called the Equifax hotline. Totally useless, no information, referred me back to website. Could n't check on status. Could n't tell me how long to wait. This hotline is itself a fraud. 

I want to know the status of my enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We could not make our mortgage payments. We tried to do deed in lieu. Ocwen Loan Servicing kept sending us letters that are deed in lieu is the process. We tried doing a short sale before that but do to storm XXXX no one would buy. We waited almost 3 years with a run around from this company saying are deed in lieu is in process. Every time we tried to contact them they said they are missing a paper. They would say same thing no matter even when we resubmitted it. No would ever contact telling they needed the info. They told us that we did n't have insurance. To make a long story short, they basically made us wait so are bills would be outrageous. They finally accepted the deed in lieu last year. Now the tax XXXX says house is only worth XXXX. That is a total lie. My tax consultant said I would owe about {$40000.00}. They should be responsible since I had no way to contact these people. They outsourced calls to XXXX. No one ever listened to you. They would say I would have to wait.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Addendum to CFPB Complaint XXXX additional Kohls credit representative complaints : ( As CFPB does not allow modifying complaint once entered : ) After reviewing Kohls.com online payment documentation there were two additional problems in my interaction with Kohls credit representative on XX/XX/XXXX : Kohls credit representative said with full confidence that Kohls charge card payments only post same day in the local store up until XXXX XXXX. Kohls.com online documentation states payments will post the same day any time up until store close. Kohls credit representative said with full confidence that Kohls charge payments made the same day online, even before XXXX XXXX, will not post that same day. Kohls.com online documentation states that online payments made before XXXX XXXX will post that same day. The agent was a absolutely terrible representative for Kohls. I now have no faith whatsoever in any interaction with Kohls credit personnel, including supervisors. I think I have to go through CFPB on everything account related, to get a straight story. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit card () with ENCORE CAPITAL GROUP INC. (FL).
Issue: Closing/Cancelling account

Complaint: Not enough information of validation of debt. I contacted MIDLAND FUNDING through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$600.00} }, however I do not owe this debt and know nothing of it. MIDLAND FUNDING appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Consumer Financial Protection Bureau, I received two letters from Consumer Portfolio Services, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX XXXX and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX XXXX and XXXX and Consumer Portfolio Services in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Auto debt) with NISSAN MOTOR ACCEPTANCE CORPORATION (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On the  XXXX  of  XXXX  this year, we turned in our    2014 Nissan Pathfinder to the dealer we bought as we can no longer can afford the payments. Nissan motor acceptance corporation  is still expecting payments and keeps calling, sending pass due and will not acknowledge that we no longer have the auto and thier dealer does.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX keeps adding SEVEN year old debt to my EQUIFAX credit report as NEW debt. I have not had a XXXX XXXX account since XX/XX/XXXX. I defaulted on a contract in the amount of {$1400.00} which was subsequently dismissed in Bankruptcy court in XX/XX/XXXX. EQUIFAX will not validate nor remove the debt even though I have disputed it at least 6 times in the last two years. I have dispute records. I want this illegal debt removed because it is now over SEVEN years old.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with ACADEMY MORTGAGE CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX License # XXXX ; XXXX NMLS # XXXX denied my loan due to me having XXXX credit score that reached requirements and the other did not she chose the credit score that was the lowest. Along with discriminatory remarks

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with EMBRACE HOME LOANS (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am attorney for an estate. The deceased had a mortgage which was in arrears due to her being in a XXXX home and no one paying on it. In XXXX after a personal representative was appointed to settle the estate, we advised the lender in writing we were selling the home. The lender had previously sent an XXXX XXXX XXXX notice re intent to foreclose but never initiated foreclosure ( I checked the County records on XXXX XXXX ). We paid the loan off XXXX XXXX at closing on the sale by wiring funds and have confirmation the funds were received. The payoff included {$890.00} in attorney 's fees, but Pa XXXX XXXX only allows {$50.00} to be collected prior to initiating foreclosure. I had my partner email my complaint about this to the lender XXXX XXXX before closing and was promised a written response in 10 days which I never received. We paid the disputed sum at closing so as to be able to complete settlement. Then yesterday XXXX XXXX, I was advised that the lender had shown up at the house ( 2 weeks after the loan was paid off and title transferred ) and wanted to board up the house. The buyer, in a panic had contacted the realtor who called the title insurance company which called me. I spent 2 hours on the phone with the lender trying to reach someone to resolve this and was never able to talk to anyone with any authority or interest in trying to resolve any of the above.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Consumer received written notice from Ability Recovery Services , LLC ( " ARS '' ) demanding {$2300.00} on or about XX/XX/XXXX. In connection with the collection of a debt, ARS represented, directly or indirectly, expressly or by implication, that Consumer owed {$2300.00}. The representation was, in fact, false or was not substantiated at the time it was made. 

In XX/XX/XXXX, ARS furnished this false information to each major consumer reporting agency ( " CRA '' ). ARS communicated to third parties that Consumer was several months delinquent on a debt owed to XXXX University in the amount of {$2300.00}. ARS furnished this information post notice of inaccuracy by Consumer at the specified address for such notices.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with U.S. BANCORP (MO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have  XXXX  accounts wit h US Bank.  They processed payments from the wrong account and as a results charged me  XXXX  overdraft fees in an amount of {$36.00} each. I do not have overdraft protection. When I try to dispute transactions made from wrong account they refuse to do so.

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 02/23/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Settlement process and costs

Complaint: We bought a mobile home in XXXX Id. They would n't let us see the place till we signed all the paperwork. No cell phone service or land line.They knew about XXXX XXXX medical condition needing a phone.There was holes in the skirting. Also air was in water lines.The kitchen sink jump all the time and had to try to start it a couple of times to get water. We had satellite tv and it would come up no signal.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data was involved with the Equifax data breach of 2017. They knew about the breach months ago but I have just heard about it now. 

My personal information has n't been used yet, to my knowledge, but now my SSN, credit card numbers, DOB, and potentially my driver 's license number are now public knowledge. They should have safeguarded this information at HIPAA levels, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Trouble during payment process

Complaint: Two years ago Chase Bank assumed my Mortgage loan from another Company. Due to " human error '' they cancelled my Insurance and purchased " lender placed '' insurance that costs 5 times what my old policy did, for two years. After purchasing the policies, they looted my escrow to pay for the policy, which raised my Mortgage payments, and I kept paying. After calling my old Insurance company, I realized that the Bank was at fault. I was able to be reimbursed for one policy for XXXX but the Bank refuses to reimburse me for the other policy for XXXX, even though it is sitting in my escrow account ... illegally. My mortgage statement says the amount in escrow is XXXX which is a breach of Section 10 of RESPA. Also, this is the second complaint I have filed. There are half a dozen other violations having to do with Federal Law with my loan, as well. I am seeking representation but it is my belief that Chase Bank should be fined for its illegal behavior. I am working on getting representation to sue them for damages but I would appreciate any cooperation from an Authority because I am a victim here and the law has been broken. Chases behavior is no less than predatory. I am also contacting the Massachusetts Attorney General and anyone else who may be able to hold them accountable. I have attached my escrow statement as proof beyond a doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a Veterans Affairs/Administration debt on my Equifax credit report. This debt was a mistake and the Veterans Affairs/Administration has taken action to get the debt DELETED from my credit report. It has been successfully removed from XXXX and XXXX but Equifax refuses to remove it stating that the Veterans Affairs/Administration has continuously verified that I owed the debt. Attached is a letter from the Veterans Affairs/Administration to myself ( Dated XX/XX/2016 ) stating they have taken action to reflect delete on my credit reports and it could take up to 45 days. I sent this letter to Equifax and they ignored it and said they would not take any action to contact the Veterans Affairs/Administration and ONLY used an automated system. They informed me they were not allowed to contact the Veterans Affairs/Administration. I asked for it in writing and they hung up on me. They have, on many occasions, asked for my phone number and as soon as they put me on hold, they hang up the phone. I have a XXXX XXXX XXXX and this collection may have a negative impact on it if it is not removed promptly. I have been trying for over a year to get this resolved. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX Commonwealth Financial reported several accounts to all three credit bureaus totaling about {$2000.00}. I have never received a bill or any correspondence in relations to this debt prior to it being placed on my credit report. I called to see what this alleged debt was and was informed it was in relation to medical bills. The representative was very rude and ill mannered so the conversation did n't go very far. I called back again on XX/XX/XXXX only to be transferred back to the same rude representative. i then requested verification of the debt, asking specifically for a contract of some sort between myself and Commonwealth or Commonwealth and the said medical provider and also a breakdown of alleged charges. I received a bill in the mail on XX/XX/XXXX only portraying an account balance with no specifics. I called back on XX/XX/XXXX to advise them that this is not what was requested. Again the conversation did n't go too well. I requested verification documentation and waited for a couple weeks but did not receive anything. i called back again in XX/XX/XXXX and was told by the representative they 'd sent me a bill back in XXXX and if I required further information to contact the original service provider. On XX/XX/XXXX I drafted a letter detailing very specifically the verification documentation I had requested several times and still requesting. I mailed this letter certified on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to a supervisor, XXXX XXXX XXXX. he stated they 'd sent a bill and that 's all they could provide and to contact the service provider. As of this date, XX/XX/XXXX I have yet to receive any further written correspondence. Representatives from this company call at least 5 times monthly yet no one has provided anything I have requested thus far and these items remain on my credit. I have also disputed these items with XXXX, XXXX and XXXX, all still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A debt collector is demanding payment of a 2011 weed abatement lien for the City of  XXXX FL. I told them in writing I sold the property over a year ago subject to all the liens so the debt is no longer mine. They verified with the city that the debt WAS mine when it was incurred. 
I called the city tax collector office and the gentleman wanted to know whose authority were these debt collectors going under? 
I 'm sure they bought my account cheap from a previous collector who appropriately ceased contacting me years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Stuart-Lippman and Associates, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX keeps calling me about a debt to landlord, claiming it was damage to a house beyond the deposit amount. I never had this person as a landlord, nor lived at the address they said I lived at, at any point in my life. I can prove this using signed lease agreements, utility bills and account records, and IRS records. They are also more than welcome to call my previous landlords to confirm I was renting their house during the time I was supposedly living in this made-up house. I keep telling them this, but they either hang up on me when I fight back, or threaten to sue me for this money that I do not owe or threaten to report me to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX BANK has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and XXXX and XXXX I also requested a copy of XXXX BANK 's Tax Registration Certificate, all of which XXXX XXXX BANK was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX XXXX and XXXX XXXX XXXX BANK failed to validate their claim. A copy of XXXX XXXX BANK 's response to my debt verification was previously mailed to Transunion, however, your agency continues to allow XXXX BANK to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CT).
Issue: Settlement process and costs

Complaint: I have read much data recently pointing to the fact mortgage loans actually do not fund at closing and instead a bait and switch is done with the HUD1 and the paying off ( or not ) of prior liens. Therefore, when I was reviewing my closing documents, I was shocked to see " Total Estimated Funds Needed to Close '' on the RESPA listed as {$490000.00} vs. anything close to the loan amount of {$190000.00}. Might this be prima facie evidence of the chicanery happening?

Company response to consumer: Closed with explanation