milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2017 about Debt collection (I do not know) with Machol & Johannes, LLC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: they served me what appeared to be court documents, but there was no case file. They were UNFILED court docs, but the letter with them said M & J had filed a lawsuit when, in fact, they had not. They were trying to scare me into signing an agreement. illegal service of fake papers is intimidation and I have a protection against such practices and my right have been violated by such practices. It was taken as a scare tactic by me but I went to Respond to the summons and low and behold there was no case. This was in XX/XX/XXXX.
Fast forward to XX/XX/XXXX and I am being made aware of a levy put on my accounts from this company for {$8000.00}. They apparently filed the lawsuit after It was made clear that I wasnt going to be bullied, with the papers they faked me out with. They filed for an order of default judgment because of the appearance of no response, and then There was a default judgment made against me. I was not given a court date So I was not given the the proper means to fight these accusations being made against me because of the use of dirty tactics with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax has refused to release my credit report via annual credit report, XXXX XXXX, and other credit monitoring sites. I have no way of tracking it and seeing what is inaccurate on there. This is not right and needs to be taken care of. At first I thought there was a fraud alert so I sent in a letter to remove it but it still is blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: During my bankruptcy period, my mortgage company did not itemize my mortgage payments. I was told it can only be done after I am discharged from bankruptcy. Nearly four months since my discharge, Ditech is yet to itemize my mortgage payments into interest & principal. I have called as many as six times ; attempted to even talk to a supervisor to no avail. I have been informed no supervisor is available. The customer reps. have apologized for the problem ; promised twice it would be taken care but still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Medical) with BCA Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This collection is for a bill for a medical procedure that was covered 100 % under my XXXX insurance. I have made repeated attempts to resolve this collection with the collection agency ; BCA Financial Services. They tell me to disregard the mail notices and that they will process through XXXX again. But, the collection stays on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have om going disputed with Experian cresdit monitoring since XX/XX/XXXX, about company call XXXX XXXX XXXX this is Number XXXX. This finance services work with XXXX ; this company do not have license to operate since XX/XX/XXXX. I got proof letter from XXXX XXXX XXXX XXXX CA department of consumer affair. My case number XXXX and this there phone number XXXX have got a lot of denied credit because of this. The credit bureau taking side XXXX. 
Sent from my iPhone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with Arnold Scott Harris, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company by the name of Arnold Scott Harris, PC ( XXXX ) is attempting to collect a debt that does not belong to me. I 've asked them to provide proof of debt with my signature which they have failed to do. Arnold Scott Harris, PC has been notified to refrain from contacting me, yet they continue to call daily. I am unfamilar with the debt stated in their letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a XXXX and an XXXX, and I have accumulated about {$150000.00} in federal and private student loans, of which {$45000.00} in private student loans have become a big problem to repay. I am unemployed and have very minimal income. I have exhausted my deferment, and I was refused to get on the income-based repayment plan or MGRS- modified graduated repayment schedule. 

My servicer is XXXX and the holder of my student loans is Access Group. Both refused to provide me with an income-based repayment plan, and here is why- I was on the income-based repayment plan but still had a hard time making payments. XXXX ' representative offered me a deferment for three months ( which would exhaust my deferment ) and then get back on MGRS. My three-month-deferment just ended. To my surprise, following the deferment period, XXXX advised me that the MGRS is not an option for me anymore because I can not go on and off it, and there is no other repayment option. 

Had XXXX associates been properly trained and provided accurate student loan advice to me in the first instance, I certainly would not have canceled the MGRS just for 3 months. I would have stayed on the MGRS. Clearly, my choices have been made based on false information provided to me by their servicing center. 

Now, I am without income and in a worse repayment position than I was prior to deferment. It seems nonsensical to me that I can not use an income-based repayment plan. I do not believe that XXXX and Access Group are providing me with accurate information. 

Please help me get back on the income-based repayment plan. 

Thank you, 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 06-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan originally with XXXX XXXX XXXX XXXX who transferred the loan [ without the proper notification ] to Selene Finance during the middle of a Loan Modification Request. Selene came back with unreasonable Loan Modification terms : extending out the term of the loan ; increasing the interest rate from 2.875 % to 5.375 % ; having the Note balloon in 17 years [ which would have been the orignal date the mortgage would have being paid-off, and the Balloon payment is for over {$180000.00} at that time! ]. None of this was disclosed to us until we received the Loan Modification paperwork, and Selene Finance 's pressure to immediately sign the Loan Modification documents. In our opinion, XXXX through Selene Finance are attempting to defraud us under the guise of a Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2011 I was given XXXX XXXX line of credit without my approval. 
Prior to that, my XXXX payments were automatically withdrawn from my personal checking account. XXXX XXXX XXXX sent me statements to my old address, and since I did not expect any payments, I never checked my online account status. Once I started getting calls from XXXX that my account was overdue, I paid it promptly. Unfortunately it shows as 30 day late payment on my credit report, which prevents me from getting mortgage. I am a physician and the {$100.00} payment would not break me, but unfortunately this incorrect information on my credit file is preventing me and my family from buying a new house. 
I called the bank XXXX XXXX XXXX XXXX who issued the XXXX credit. I was told that they can not make any changes to files beyond 12 months. The manager by the name of XXXX, refused to give me her last name or the phone number of their legal department or give name of their legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (I do not know) with Viking Client Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calling my number with an automated phone number. 
I have never been able to talk to a real person. 
I do not owe any outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Screening Reports Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are Hard Inquiries that on my Credit Report that I don't recognize

Company response to consumer: Untimely response
Consumer complaint received 07/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: Capital one opened up this new credit card in my name and ever since I put in XXXX fraud claim they close this account with no warrant or no issue I had put in a dispute for not receiving goods and they called them a credit line and a hold me responsible for a balance that I agree is mine but shut my whole car down they are repercussion on me because I reported XXXX cars that were not mine and now they shut this car down which I never reported was not mine this account is not fraudulent like the other XXXX by capital one is a terrible company and I will contact my attorney to see why they shut my card down that I support my XXXX-year-old grandmother on for her medication capital one are thieves that just shut your car down without notice I should n't have to pay for goods that I never received I want this investigated to the highest level

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have previously reporte d Portfolio Recover Associates for a highly abusive phone call in which I had to hold my phone from my ear as a representative repeatedly ( screamed ) asked me who would  have opened these accounts. All I asked for was an itemized bill showing how they got to the number they claim I owe. He talked over me, would n't let me get a word in edge wise and when I did talk, would talk down to me like I was a dog.     A supervisor was asked for and she promised I would be on a 10 day no call list.     I was called no more than 5 days LATER! I had n't even received what she claimed she would send out.     I had called back in due to getting something from them in the mail which was n't what I had requested. I found out that was n't what they were sending out and was told to wait.     I am continuously being harassed by this company despite honest attempts to work with them and simply ensure the amounts they claim I owe are factual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I 've been paying them for 13 mos. I owed them {$2500.00} they charge me for monthly of XXXX. I paid them total of XXXX. But XX/XX/XXXX I got laid off. Until now I do n't have work. But they keep on bugging me. How can I pay them but actually I Paid them the whole amount I owe with interest. But they said I have to pay them until XX/XX/XXXX. That is too much. And I do n't have work how can I pay them. They keep on calling me and sending me email. THey used different number on calling me and this is too much. The company name is XXXX ( payday loan )

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I have a monitoring service through Experian. Every time I try to log in I have to navigate through unsolicited offers before seeing my credit file. On XXXX XXXX i logged in and try to view my product but clicked the wrong option and was charged XXXX. I immediately called in, explained what happened, said I did not want this product. The call center is in a non english speaking country so there is a language barrier. I was finally told I would receive a refund and would have access to the product I was charged for as it could not be undone. The refund would take the to XXXX days. I never received it back on my credit card. I called today, XXXX/XXXX/15 and was told the same thing. I have filed complaints with the XXXX and now the CFPB. My next step will be to file a fraud charge with my bank, XXXX. I just want my XXXX back, very simple.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Several years ago, I learned of XXXX student loans on my credit report when applying for a home loan. I contacted XXXX XXXX and they stated that I cosigned my ex-wife 's loans. I denied ever signing her loans and requested a copy of the contracts. After many months of many requests, XXXX XXXX sent the contracts without my signature but with an unknown email address and random sequence of numbers. When I spoke to XXXX XXXX, they said that the contracts had been signed electronically with the falsified email addresses ( XXXX separate email accounts ). I denied ever having access to these email accounts and asked how my identity was validated, which I never received a response. Instead, I was referred to their fraud department. 

XXXX XXXX 's fraud department instructed me to file a police report to have my name removed from these accounts. Immediately, I filed an identity theft report with the FTC, police report with my local police department and the police department where the fraud occurred. Neither police department would pursue the case because the majority of the loans were outside of the statute of limitation. Secondly, I was informed by XXXX the detectives that because the allegation of fraud was my ex-wife, the issue was a civil matter, not criminal. 

When I contacted XXXX XXXX with this information, they told me that they would not remove my name from the account without validation of forgery from the police. They recommended that I take my ex-wife to court. Afterwards, I retained an attorney and was awarded an enforcement order against my ex-wife to indemnify me from these loans. During the legal process, the loans transferred to Navient Corporation. I spoke to their fraud department and sent a copies of the the court order and police reports ; signed affidavits from people that could attest that I never used the email accounts used to cosign my name in the loans ; proof of an unrelated document that I discovered my ex-wife had forged my signature ; copies of tax returns to demonstrate false information provided about my employer and salary ; and proof that I had been XXXX and XXXX when XXXX the loans were signed. Navient did not respond. 

After I had received the court order, my ex-wife defaulted on the loans. Consequently, Navient has reported this information on my credit report, resulting in a XXXX point loss in my credit score. This has resulted in revocation of credit lines with my banks. Also, I have been counseled by my employer that my security clearance may be revoked as a result. 

I tried resolving this issue with Navient but they will not release my name from their records. It appears that my only recourse is to spend an additional $ XXXX for an attorney to hold my ex-wife in contempt. Regardless, this will not stop Navient from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is reporting a total of 6 missed payments that are not correct, Also XXXX fhows 6 missed payments but Transunion shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect missed payments reporting.

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 11/24/2015 about Payday loan () with Pacific Rim Alliance Corporation (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I had a call at XXXX at work form a XXXX, XXXX and claimed i owe a payday loan and would sue me and take me to court for check fraud.Now i was frighten and stardled at first ask lots of questions about the claim.Than i read reviews online how people get scammed from debt collectors who pretend to be investigators or attourneys.I felt like i was getting scam please reply back to me if legitimate..or what further action i should take on this matter..

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage 27 months ago because my husband was XXXX. The medical bills and the fact that he could n't work ( we had a XXXX ) left me unable to make mortgage payments during that time. The business was losing money each month and the medical bills were overwhelming. In XXXX XXXX my husband finally passed away from his XXXX. In XXXX XXXX I closed our business. I then approached my mortgage company ASC and explained the situation to them. I advised them that my financial hardship had ended with the passing of my husband and closing of our business. I have a steady income and I would like the opportunity to save my home. The only response I have received from ASC was that " my payment is affordable '' and they can not help me. My attorney called and spoke with them asking why I was denied for a regular modification. They replied it was due to my NPV and that my payment is affordable. Neither of which pertain to my hardship and situation. I tried to explain to them that my hardship was not an un-affordable payment. It was XXXX. I am not asking for any payment reductions. I only request to be considered for a Regular Re-Capitalization modification that will bring my loan current. I am fine with the payment increasing and I understand my balance will increase after the modification due to the missed payments. I have since hired an attorney to re-submit my paperwork for me and they state I qualify for a Regular Modification. I have run my NPV and it is Positive and so the denial reason of negative NPV ( for a standard modification ) is not a true statement. ASC has filed a Notice of Sale on XXXX XXXX, XXXX with a sale date of XXXX XXXX, XXXX. They did this after filing a Notice of Default from two years ago on XXXX XXXX, XXXX. I am not sure this is even legal in my state to issue a notice of sale two years after a Notice of Default. I am asking that they simply give me time to have my updated financials reviewed for a regular modification before moving forward with my sale date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: Chase XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/XXXX, we sent an authorization to Chase in order to begin the process of a short sale. Both borrowers were XXXX, however there is a Successor Trustee, XXXX XXXX XXXX, named on title and duly recorded. XXXX XXXX signed the authorization for us to speak on the account, and we submitted the authorization, the Recorded Affidavit of XXXX of Trustee ( borrower XXXX XXXX ), and a copy of the XXXX Certificate for XXXX XXXX. ( ( Prior to all of this, XXXX called Chase to see what their options were regarding this property and was told that she may surrender the property to Chase. Chase sent her surrender documents and told her to take them to the county to record it. She did not do that, as she felt there was a more appropriate way to handle the disposition of the property. -- - This shows that Chase did acknowledge XXXX XXXX as the authorized third party otherwise how could they give her the ability to legally surrender the property? ) ) On XX/XX/XXXX, we contacted Chase and were told that XXXX XXXX was not authorized on the account and therefore could not authorize us. ( Chase claims someone else is authorized - the other daughter ) I pointed out that we faxed, along with the authorization, the Affidavit of XXXX naming her ( XXXX ) as Successor Trustee, and the Affidavit of XXXX of Trustee ( Borrower XXXX XXXX ). The rep acknowledged receipt of those documents however still refused to discuss anything with me, or transfer me to a supervisor to discuss it further. Chase has taken it upon themselves to authorize someone else on this account, who is NOT the Successor Trustee, and therefore has no legal authority to speak on the file.
Additionally, Chase has taken it upon themselves to DENY the Successor Trustee the authority to speak on the account, or to liquidate it as she sees fit. *****CHASE DOES NOT GET TO DETERMINE WHO DOES OR DOES NOT HAVE LEGAL AUTHORITY TO SPEAK ON AN ACCOUNT****** Chase CAN NOT have it both ways. Either she ( XXXX ) is authorized and is allowed to receive and record a surrender, or she is not and they violated the law by sending her the surrender document. Chase does not get to decide who the trustee is AND THEY CERTAINLY SHOULD NOT BE TAKING DIRECTION FROM SOMEONE THAT HAS NO LEGAL AUTHORITY TO SPEAK ON THE ACCOUNT. We have attached a copy of the title report, the XXXX borrowers Trust Docs naming XXXX XXXX XXXX as Successor Trustee, the recorded Affidavit of XXXX of Trustee naming XXXX XXXX XXXX as Successor Trustee, the document from the Federal Government ( IRS ) issuing an EIN number and naming XXXX XXXX XXXX as the trustee, and the XXXX Certificates for both borrowers.

Company response to consumer: Closed with explanation