milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Security Credit Services, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon monitoring my credit reports using CreditKarma.com. I noticed that Security Credit Services had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the XXXX I have ever heard of this debt. On XX/XX/XXXX I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. They have replied back on XX/XX/XXXX that they will cease all collection efforts and investigate this matter. However they continue to report inaccurate information on my credit reports. I am demanding they comply with FDCPA and remove this from credit reports until they can provide proof of debt and provide me 30 days to dispute. I never received any correspondence fromt this company before they negatively reported to the credit bureaus.In addition, the negative reporting they have done is very vague and deceiving to determine anything about the alleged debt. Also, I was contacted in XX/XX/XXXX by another debt collector that was unable to comply with FDCPA and apparently " sold '' it to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX Bank XXXX is being reported by TransUnion as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by TransUnion as charged off, Potentially Negative. this is not my debt. and another account 3. XXXX XXXX XXXX account is reporting late payments in XXXX, this is not correct. the account has since been sold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: I requested a mortgage payoff from Chase bank for my FHA loan. I will pay of the mortgage this month and I am being charged PMI fees of {$240.00} for mortgage insurance for the month of XXXX and XXXX when the loan is being paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a lot loan with Wachovia bank. It was a 5 year interest only loan. I did not realize it was interest only until I noticed no principal reduction was occurring ... ... ... .this was certainly my fault. I was in the process of re doing the loan with Wachovia and they went out of business. I found out that wells fargo had inherited the Wachovia business. Wells had no idea, at the time, about my loan and it was very difficult to get anyone to recognize I had a loan outstanding. I stopped paying on the loan and I figured I would hear from someone. I finally heard from the mortgage collection department. I told them that this was a lot and had no house on it and I wanted to refinance it that also included principle reduction. After months of talking to many people I was told wells did not have a lot loan department and I had to deal with them. This seemed wrong but I tried to work with them. It was also odvious I was not going to be able to refinance this lot. All the people I was dealing with were interested in was collecting. I was continually told if I did n't pay they would ruin my credit reports. I was concerned about this and I was willing to work some thing out. 
I was dealing with a man by the name of XXXX XXXX in the home mortgage collection department. I had worked out a repayment plan that required {$19000.00} lump some payment and then {$480.00} a month until the loan was paid off. I have a copy of this agreement. 
I agreed to this, I made the {$19000.00} payment and was ready to move forward. I found out that several days before I received repayment agreement plan wells had foreclosed on the loan. This of course went on my credit reports and has been a burden to me. 
I have made my payments on time to wells and have in fact paid this might mare off. I have a lien release and a letter stating this loan has been paid off. 
I am requesting that my credit reports read correctly, that the loan XXXX is paid, just like the letters state I have from wells. I also request that the fore closer is dropped from my credit records. This report is almost 7 years old and needs to go away. 
Thank you for your attention in this matter ... ... ... 

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 06/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX showed up on my inquires on my credit report did not apply for credit with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: They called me saying that they will contact my employer to try collecting the money? I dont owe any money. This is the 3rd acct they opened in my name. Even got me in trouble with the IRS claiming a XXXX $ owed and file like sn income!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: after my aunt pulled her credit and it showed that chase was on her credit report and she called them and they told her that my name was on the account as well so I pulled my credit report and chase was on mines to. myself and my aunt have reached out to chase bank usa and asked to remove this debt off my credit report and hers because its not ours. we 've called them several times we 've written to them as well and they still have n't showed us VALIDATION of this account being mine or my aunt. we are having no luck with chase on getting this resolved. we are trying to avoid going to court so if this does n't work we will have no other choice but to file legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello. I have XXXX accounts with Nelnet, each reporting XXXX lates to the credit bureaus. I also have several accounts with XXXX. XXXX is reporting my past deferments correctly, with no lates. I have spoken to Nelnet, but they will not not remove the lates, though I thought my loans had been in deferment, and XXXX is again, reporting the past years correctly. Additionally, my father served 4 years in the XXXX, but I have been charged interest on my Nelnet loans. I would like the interest accrued adjusted and the lates removed. I am not happy with the service I have received with Nelnet, but have had no problems with XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Application processing delay

Complaint: to whom it may concern, hello, I opened a credit card account with Wells Fargo Bank back in XXXX 2015. It was a secured one. I provided them with all necessary information ( addresses, phone numbers, immig. status etc ). There was a {$25.00} annual fee and they told me my account could be upgraded to an unsecured ( in a period from 6 to 18 months ) if I use the card responsibly and keep a good payment history, which I did. Never missed a payment, kept low balances and had had my score grow up significantly. A year passed, I heard nothing. A year and a half - nothing. They just kept charging annual fees. I decided to give them a call, they submitted a request for card upgrade and told me to wait for the response ( by mail ) which I never received. 
I did the same a month later - and still nobody got back to me with the answer. In all further telephone conversations they simply said they were not able to do anything to get the status of my request. 
Only a recent email conversation uncovered the true nature of their being reluctant to upgrade. Now ( after almost 2 years since I opened the account and paid a 2-year fee ) they claim that the upgrade is ONLY available to holders of the US passport or permanent resident card. Although I am about to get permanent resident card myself in about eight months, I do not think this discriminatory policy sounds like the one for American institutions. And of course, this is not to mention the fact that they consider it right to let people know about it after the people have been fooled with false promises for almost two years. And in the end, this is what my options are now : first is to let them sit and continue getting money from me and from thousands of other people by promising their cards would be upgraded ; the other is to close the account which is going to have a serious impact on my credit score and history.

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 11/28/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: Paypal Credit refuses to accept settlement offer of XXXX with payments of XXXX a month or XXXX, they request payments of XXXX or XXXX for XXXX months which they have been advised I can not afford. If I could afford such a high amount then account would not be past due, the account showed payments as high as this amount prior but could not afford such high payment. They claim to have offered arrangements prior but none included a settlement, this was discussed with Paypal reps but were uncooperative. I 've detailed all this info in previous complaints which are numerous and continue to grow. Paypal reps like to lie, hang up the phone, or are uncooperative. The first rep lied saying there was a cease and desist on the account, could not discuss account with me. There was no such thing ever placed on the account, no mention of it by any previous or subsequent reps.The rep lied so she did not have to take the call, could go home before closing time of XXXX PM EST. The reps I did speak with were advised there is fraud charges on the account from an Ashford.com which run into the thousands, do not have exact total available to me .Fraud claim was denied and still insist on payment. Another rep breathed into the phone, then hung up abruptly after I said hello several times. One of the last reps by the name of XXXX wanted XXXX or XXXX a month but again, I can not afford such a high amount. Their mention of any prior offers of payment arrangement is a moot point as they do not include any settlement portion and their reps have been rude, uncooperative in calls. Paypal fails to take into consideration fraud, which they have denied as a claim. Please advise them I have a counter offer of XXXX and they have until forever to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount.. 
i sent this complain to XXXX and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureaus is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT

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 12-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 my mortgage payment was changed to the proper amount of {$780.00}. It was correct for the months of XXXX and XXXX. I went online yesterday to pay and it is back to {$1100.00}. Ocwen sent me a hard copy which shows {$780.00} due ( hard copy attached ), but the computer shows {$1100.00}. I called and was told I had to pay the {$1100.00} since the computer said that was due or I would be in default. I asked to pay the {$780.00} over the phone and was told that I would still be in default AND I would have to pay an additional {$19.00} use this service. 
I am so completely frustrated at this point. I do not understand why this is so difficult and why my payment keeps changing. They are saying they will " research it. '' Every time they " research '' nothing gets done. This has been an ongoing issue for 8 months! 
The other issue I am having is no one can tell me what the {$1500.00} " escrow account adjustment '' is for. It was taken out of my escrow on XXXX/XXXX/15 which is the day the modification went through. I do not see where it was posted to my new escrow so as of now I am missing {$1500.00}. They keep sending me letters which do not tell me anything or show me where the money went ( attached ). If I can see where you adjusted the money out of my account, why ca n't I see where you applied the money to my new escrow? It does n't add up since Ocwen charged me $ XXXX in escrow to make up for a " shortage '' which I never had. Ocwen has collected monthly for my taxes since day XXXX ( before this modification ) and I have never been short. I want visual proof of where that money was applied, not someone 's word that it was. 
I would also like to know what the " legal filing service '' charges on XXXX/XXXX/15 are for ( there are XXXX of them ). No one at any time advised I would have any filing fees. My understanding of an escrow account is that it is unlawful to use my escrow for anything other than taxes ( and insurance if applicable-but I pay it and they do not ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My file number is  XXXX . I have requested numerous times from Transunion to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to   XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.

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 11/18/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine. I sent the company a demand for validation to provide me Contractual Agreements for this account. They have not provided any validation. In turn they have continued reporting the account on my credit report thereby violating the FDCPA which is punishable by a {$1000.00} fine in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have numerous times contacted about a name I have never gone by and addresses that I 've never lived at or been associated with in anyway. They are still showing and being ran through on my name.

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 06-02-2016 about Debt collection (I do not know) with SECURITY FINANCE CORP (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My debt situation is here with Apex Finance here in XXXX, Ga., I do admit I 've fallen behind in payments due to a financial crisis in the last year do to lack of income and divorce proceedings. When I got the loan my soon to be ex-husband abandoned us leaving debt which I had to cover and open up utilities in my yet pay his off before doing so on limited income. Therefore leaving me no choice but to apply for hardship with Apex Finance where my payments went from {$75.00} a month to half the amount being {$37.00} to be paid on the XXXX of each month. Yesterday on XXXX an agent approached my door that afternoon to collect unannounced and said she was sent by her boss XXXX to get a payment. I live in a XXXXwhere XXXX is vacant therefore she preceded to ask if I were moving. No response. Than she said while looking back I saw the for rent sign there still no response, cause I 'm thinking why would that concern you you 're here to collect. So she told eventually she came for a payment. I said I 'll call and talk to XXXX about my situation, that was n't enough so she offered her phone so O could tak in front of her, ( harassment with no respect or privacy ). Once the cal was proceeded another agent answered, she handed me her phone she 's come to my house very unprofessional and very loud spoken where she intentionally would disturb the neighbors. In all this, the conversation she began asking where did my money go I just got this month? To go back, I 'm the overseer for my son 's XXXX okay? At that time she put her boss ( XXXX ) on the whom I already asked to speak with in the beginning.Things went sour from therefore he went unprofessional, ghetto, dominant, threats of coming to get some collateral you name it. Spoke of threatening to take my hardship away and give to someone else because he felt like I was abusing it. He said I know you have plenty because you 're divorced, and a son ( my ex have no kids together ) how do you pay your other bills?, Cable is not a necessity but I know you have it! My response '' no I do not. Then he proceeded to say, well where 's my property? If you do n't come in and pay me Friday I will personally come get it and sell it in my office! Do whatever you can to get me my money by that day! I 'm tired of sending my agents to you, it 's costing me and my company money for mileage just do what I told you! I told him he 's in my personal business, this is suppose to be strictly about business. Why are you so aggressive in speaking to me like this? He said because I told him he 's getting too personal. I then said I 'm not your child nor are you my slaverowner and do n't address me in that matter again, have a nice day. Then handed her phone back.

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