milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a second mortgage loan that was charged off in XX/XX/2009 in the amount of {$29000.00}. At the onset the loan was owned by Chase Mortgage whom I modified the loan with. Due to the charge off portion of the loan, Chase maintains a lien on the property. I contacted Chase to settle the debt through the sale of the property. Chase informs me that they have sent the loan to XXXX XXXX XXXX company who now tells me that they have sent the loan to XXXX XXXX XXXX for servicing. XXXX informs me that the debt is now {$45000.00} to settle. There has been n o explanation of any escalation in charges and the companies are now blocking the sale of the property to see my bank records, tax statements ect. I am trying to settle the debt in full and need to see the escalation in charges and neither of the companies are cooperating. Even attempting to settle at the inflated amount, the companies are not cooperating without wanting to see all of my personal information. Neither company has validated the debt after I sent letters to each of them requesting a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (I do not know) with Alorica Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: West Asset Management puts a collection on my credit report that does not belong to me. I called the number shown on my credit report which is XXXX. After waiting for awhile, someone picked up and told me they do not have my account. They told me to call this number XXXX. I called that number and waited for another while, someone picked up and said that account belongs to medical department and I need to call the medical dept. number XXXX. I then called the medical dept. and waited for awhile and someone picked up and told me that they already sent my account to some other company and I need to call them at XXXX. I called the other company with that number and they told me that they do not have my account. I need to call back West Asset Management at XXXX. Since I already contacted West Asset Management, I do n't know what else I can do in order to remove wrong collection on my credit report. 
The West Asset Management account number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I closed a XXXX loan in 2013, and XXXX did not require me to obtain XXXX Interior Condo Insurance. 2 Years later SLS is threatening to force place this insurance on my property because it 's their " Policy '' for me to have it when my note does not contain this requirement. It 's not fair to change the rules in the middle of the game.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Vehicle loan or lease (Loan) with VW Credit (OR).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I moved to Oregon and needed to register my car in that state. Oregon requires you to process registration through the lean holder ( VW Credit ). You send paperwork and payment to the lean holder, and they forward it to DMV with Title information. I mailed paperwork to VW Credit on X/XX/2017 They have record of receiving it on X/XX/2017 I was charged a {$45.00} title fee on my XX/XX/XXXX invoice. I waited the allotted 6 weeks for my registration to arrive in the mail - but nothing came. I tracked the problem down to VW Credit - they never processed the paperwork. I have been following up with them continually - trying to move the process along. I asked to have the {$45.00} fee waived - and they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Struggling to pay mortgage

Complaint: Bought my 2nd home since XX/XX/XXXX with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for almost 5-6yrs. In XX/XX/XXXX I decided to modify the loan, but has been very very difficult to get any successful answer. The servicing company totally refused to assist. I have been filing papers upon papers. 

Okey, I decided to try short sale since they bank/servicing company totally refused modifying and reducing of the interest rate. Tried short selling through an agent in Delaware who helped in finding a buyer, submitted all necessary documents and did a down payment. They denied not receiving necessary documents and decided requesting documents and documents. The frustrating part of it was I never a time i had a steady contact. Finally they refused accepting the documents and refused to accept the offer. Before I know it the loan was sold or transfer to another servicing/financial company with another financial company. The annoying part is that severally calls will be coming from Utah, and when I do answer, no one on the other end. This is very very frustrating. About a I called the company someone did answer and told me my document is still incomplete. In reply, I made him to understand that I am no longer interested, I need my house back and will want to resume paying my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continually called and disputed this item with the credit bureau. 
Collection Company will not provide me with they date, time, or type of service or activity I 'm in collections for.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I attempted to view my credit report for the first time and entered my information to receive my report from all XXXX, Experian, and XXXX and in each case, they were unable to process my request because the information I entered does not match the information that the credit bureaus have for me. I know my information is completely correct as it has never changed and I ca n't view my report to see if something is wrong because my information with the credit bureaus is incorrect. I have only had one address, I have no debt or assets, have never taken out a loan or used or gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been a victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.

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 10-08-2017 about Debt collection (Other debt) with GC Services Limited Partnership (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have reviewed my Credit report and found an account unrecognized items from your office G C SERVICES. I do n't remember doing any business or having having a contract for services with your company. Please forward me proof of contract or my signature etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an unfair negative factor towards my credit on my credit reports reported by CBE group. The information below for " Negative Factors of my credit '', indicates a collection agency CBE Group indicated in XXXX date filed or first reported and the date last reported was on XXXX as a negative factor towards my credit report. This is is false information and I 'm disputing it. 

The only payment dispute I had was in XXXX. Back then, I had discontinued a portion of my XXXX services that involves XXXX. I paid in full through XXXX for discontinuing the XXXX service XXXX that was offered through XXXX 's advertisement and payment through XXXX 's billing. XXXX came back to bully me for an additional {$250.00} to be paid to them while XXXX indicated as far as they were concerned I was paid in full. Prior to this, I had only had communication with XXXX for this TV satellite service and XXXX refused to correct XXXX. I then refused to additionally pay XXXX the {$250.00} and XXXX has haunted me since via various collection agencies attempts originated by them since XXXX. 

Now this new credit issue on my record ( see below ) indicates a new development in XXXX is absolutely false. If this new dispute of XXXX has originated by my past dispute with XXXX then it 's time for them to stop harassing me via by falsifying information as an attempt to lower my credit rating. I suspect there has to be a law that makes this criminal business practices or at the very least extreme negligence by XXXX whose joint venture with XXXX while both were acting as XXXX entity under XXXX advertising and billing. 

__________ ( info from credit report ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NEGATIVE FACTORS Your most recent collection account is 1 year and 3 months old. This only includes accounts from external ( third-party ) collection agencies. 
REFERENCE NUMBER INSTITUTION DATE FILED OR FIRST REPORTED COMMENT DATE LAST REPORTED XXXX CBE GROUP XXXX XXXX More Information Having a collection account reported in the recent past is considered negative, and the more recently this occurred, the larger the impact. However, your score can get better over time, as long as no other collection accounts are added to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Billing disputes

Complaint: I applied and received a carecredit card back in XXXX. My XXXX almost died, unknowingly had XXXX and I used it to pay for vet bills that totated over {$6000.00}. I paid the card down to about {$3500.00} and then the XXXX rate was over and since I could n't pay the card off in 6 months I incurred the interest charges for the previous 6 months, which brought the balance up over XXXX. I continued to pay and then realized that I would never use the card with such a high rate and I called CareCredit to close the entire account. I told them I wanted to close the account and pay it off. At the time it was at about XXXX in XXXX. Fast forward to XXXX. I have paid more than the XXXX a month minimum payment in order to pay this debt off. The interest rate is a whopping 29 %. In XXXX of XXXX my card had a balance of XXXX. This is a card I 've not used since XXXX and have made payments above the minimum for XXXX years. I just checked the balance last week and it is at XXXX???!!!! I lost my mind and called Care Credit. I said how is this happening, it should be going down slowly? Come to find out they did cancel my card but did n't cancel security protection which charges me around XXXX. A profit they receive each month in addition to the 29 % interest they are charging me which is around XXXX. A total of {$170.00} a month plus the incurred interest on the compounded security charge. So I 'm not even hitting the principle. I lost my mind to say the least. When I told them I requested the entire account be closed and not to incur any more charges than my balance and the interest rate. The security charge should have been canceled back in XXXX. They told me it would take several pay cycles to go into affect. This company is criminal and I want my bill to be adjusted to remove the security charges dating back to XXXX, when the account was closed. I 'm floored that this company is allowed to exist. Their behavior is absolutely criminal.

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 monetary relief
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX and XXXX are reporting the wrong address and additional credit accounts that I do not own. Equifax, XXXX and XXXX have been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt Collector reporting false information on Credit Report. First Date of Delinquency as XXXX, First dated of delinquency was XXXX, will not put account into closed status causing monthly continual reporting on credit report, also reporting as XXXX XXXX XXXX, false representation. On XXXX report reporting terms which is against regulation for collection agency. Attempts by myself to obtain verification of all information have gone unresponded to. Dispustes thru Credit Reporting Agencies have verified false infomation. contacted XXXX original creditor they will not tell me anything saying pra owns debt now, and that they can not verify debt. i dont know how credit agencies are verifying this then, my only thought is pra is verifying for XXXX. Transunion deleted both lines off my report stating information was not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I had applied for a Macy 's credit card on Macy 's store on XX/XX/XXXX. After it was approved online on the store on that same day, I was able to make a purchase on store with those details. But I did not receive the card yet and was told it would reach to my residence soon. But it never did. I had called Macy 's customer care numerous times and was told due to some logistics issue the card was lost in transit and I 'll receive the replacement card soon. But I never reached to me. However, I made online payment on XX/XX/XXXX from XXXX XXXX for that store purchase. But on XXXX account, the transaction was showing towards Citibank, so I cancelled it later thinking a fraud transaction. But after couple of days, when I called up XXXX I realized it was a Macy 's Citibank card . So I requested XXXX to re-send the transaction. As a result, XXXX debited the amount of XXXX again from my account. So basically there were XXXX debits and XXXX credit in my XXXX bank account for the same amount of XXXX which gave me the impression that the charges were successfully credited to Macy 's Citibank account. Later when Macy 's confirmed they had received the amount on XX/XX/XXXX, I had closed the account because I never received the card till then. However, on my surprise I got bill from XXXX on XX/XX/XXXX that XXXX did not re-send the amount after they had withdrawn it initially. So I called up XXXX bank again and requested them to re-send the amount. They confirmed they had successfully re-send the amount to Macy Citibank. 
But when I contacted Macy Citibank, they said it would take 2 billing cycle to reflect it in my account. But now even after 3 months, Macy 's account is still showing up the charges and they are saying they have n't received the money. I do not how to resolve this issue and I 'm really frustrated because XXXX says they have transferred the money but XXXX Citibank is saying they have n't received the amount. On top of this, Macy has complained to Credit Bureau marking it as Delinquent account. As a result, my credit score has dropped more than XXXX points and has gone from XXXX to XXXX. Please help me in resolving this issue at the earliest!!

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 monetary relief
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage with XXXX XXXX for 20 years with no problem. 
Two months ago it was sold to Shellpoint Mortgage. They have not paid my real estate taxes with my escrow account. The town sent me a letter stating taxes were not received and I will get a 1 % penalty for late taxes. Also Shellpoint said they never received my XXXX payment. 
My XXXX account has me making the payment on XXXX XXXX of last year. Today I got a statement for last months mortgage payment and this months payment with a penalty for being late. Shellpoint states they paid taxes on the taxes on XXXX XXXX. The town said they have received nothing. No one at at Shellpoint returns phone calls to help rectify the problem.

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 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Associates, Ltd. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection Associates reported on my credit an amount owed of {$1000.00}. I am currently making payments as a agreement. I called them to verify the balance and is still at {$900.00}. So far I have paid them {$650.00}. They told me that the original balance was XXXX which is not correct. My credit report clearly shows {$1000.00} which was reported by them.I know I owed on the account, but they are overcharging. Anything that can be done with this?

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been a customer of  Citibank Credit ca rds for over 22 years, since  XXXX . Since then, my credit card I opened in  XXXX  I have never made a late payment on this account or any  Citi  account or other account on my credit report. Recently, in  XXXX   XXXX   Citibank  closed this card without my permission, since I the bank claimed I was not using it enough ( I have other accounts with  Citibank  that were active. Citibank never warned to use my card or they were going to close it ) I contacted  Citibank t elling them I DID NOT want the card closed. They re-opened the card in  XXXX   XXXX  per my request. Unfortunately, the made another hard-pull on my credit report to re-open account, even those I asked them not to as the card was closed in error.     After they re-opened the card, I started using the card in  XXXX   XXXX , and the payment was not automatically made on time. In the past, this card and all of my  Citibank  credit cards were enrolled in "  Auto  Pay '' so that the full balance was deducted from my checking account on a monthly basis. When  Citibank  closed and re-opened this card these payment instructions were cancelled, unbeknownst to me.     As soon as I discovered the account was late ( less than {$50.00} was owed ) because payment were no longer being made automatically via Auto-Pay, I immediately called  Citibank  and made a payment over the phone. I asked the representative if this was going to affect my credit report. She said NO. She said if it did, the payment I just made would be applied and blemish on my credit report would resolve itself over a month or two. I found out there is still a blemish on my report and I would like it removed. I called Citibank back and  Citibank  tells me over the phone that they can not removed, even due to the extenuating circumstances described above ...

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 03-01-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold. The new mortgage servicing company has not contacted me in over 30 days. I have no information other than a letter from my previous servicing company stating the new company PHH Mortage is required by law to contact me within XXXX. I have received nothing from PHH Mortage in over 30 days. 

I would like to know the penalties and legalities of this issue, and get on record that I have received no communication or information as required by law. 

I would like to also know my recourse if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with DISCOVER BANK (VA).
Issue: Other

Complaint: On XXXX XXXX, I mistakenly made my mortgage payment to Discover card in the amount of {$2200.00}. On XXXX XXXX, I recognized the mistake, called DiscoverCard at XXXX, spoke with XXXX in Delaware Billing department, and she stated that they would send me a check for {$2200.00} after my balance of {$14.00} is paid off, and that this check could take several weeks to arrive. I asked XXXX if I will receive an email to this effect, and she said I would get one in 72 hours. On XXXX XXXX, I checked my balance online for Discover card, and it showed a credit balance of {$2200.00}. I called Discover card on XXXX XXXX, spoke to XXXX XXXX in Ohio, and she too said I will get an email in XXXX hours indicating that they were mailing me a check for {$2200.00}, and that it may take several weeks for the check to arrive, and that this was faster than an electronic transfer. I asked for a case number, and she refused and instead stated that this is referred to as " Note # XXXX ''. As of today, XXXX XXXX, 2017, I never received an email from Discover card. I then proceeded checked on line at Discovercard, and my balance was zero, with the credit of {$2200.00} having disappeared. I again called Discover card and they told me a check is in the mail as of yesterday XXXX XXXX. I asked for an email confirming all of this and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Wells Fargo Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called Wells Fargo and they reported that it showed that the amount had been paid in full on the said date. 

However, XXXX is still reporting the debt as owed.

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 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hi Sirs, I ca n't get my credit report that 's why I got denied from credit card companies. Here is my information. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation