milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Exeter In response to your letter on XX/XX/XXXX stating you mail me a letter in which I never received. As to mailing you and calling you before you took my car to pay the full payment that was behind. I had explain that the health Care company I work for had payment issues with my salary at the time was XXXX and having me holding checks and causing me issues with my bills. Its on record with the state department of labor and industries. 
Exeter stated they mail me in which they mailed it to the wrong address as well I have attach letter showing the wrong address as well as a copy of the insurance by progressive showing my address on record to Exeter. It shows Exeter as the lien holder and proves they no my address. I also have the statements each month they mail to me with the right address. When I was trying to pay Exeter they would not accept the payment. 
Exeter never mailed me nothing to the sale of the Vehicle. Exeter also sold the Vehicle with mailing me nothing of the sale. No attempts after they took it for me to pay the rears that was due. 
Exeter also played the mail it to an old address in which was updated at the post office in the post office. And Exeter also mailed me on XX/XX/XXXX saying they transfer it to XXXX XXXX XXXX. Date of notice was on the letter in which I have attach shows XX/XX/XXXX but look at the transfer date is XX/XX/XXXX but my notice XX/XX/XXXX Exeter also never responded it was we working on it. This company does not respond and give the consumer the run around. 
I have attach all documents for proof. I want this removed from my credit file. Exeter was reporting the original balance after they sold it every month doing major damage to my credit file. There was no original amount after they sold the Vehicle. Also Exeter was saying one amount and ran up fees. As to there response there is no deficiency that they responded back from the CFPB I have also considering filing suit on Exeter if the matter is not resolved due to the errors and the proof I have on record on Exeter

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with SUNTRUST BANKS, INC. (NY).
Issue: Late fee

Complaint: I received a letter from SunTrust Bank dated XXXX/XXXX/XXXX in which they announced a 37 % increase in late payment fees. Specifically, it reads " Based on changes in consumer price index, the amount of the first late payment or first returned payment fee is changing to up to {$27.00} ''. 

However, a look at the actual XXXX data provided by the XXXX XXXX XXXX XXXX clearly shows that the XXXX has been *decreasing* since the middle of XXXX, and has actually been running slightly negative in XXXX so far. I called SunTrust at XXXX and talked to someone by the name of XXXX who told me that " this department does n't handle that ''. When I asked him to tell me who did, he placed me on hold for 10 minutes. When he came back, he informed me that there was no one to talk to about this. 

I think that I 'm entitled to an explanation when a bank fee suddenly jumps by over one third, instead of getting the typical bank stonewall treatment.

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 11/30/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I reported this debt twice with the credit bureau and both times the company responded that they were reporting the debt correctly. The second time I submitted a copy of my bank statement showing the money was deducted from my account on XXXX XXXX, 2017 but they are still reporting unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Other mortgage) with CW Financial (NY).
Issue: Loan modification,collection,foreclosure

Complaint: US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many XXXX mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its interest is solely for the benefit of investors. The trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans which is reserved for the servicer. As noted the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. '' US Bank Corporate Trust Services also states that it " does not initiate, nor has any discretion or authority in the foreclosure process. '' I received a letter from US Bank Corporate Trust Office, Corporate Trust Services, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX from XXXX XXXX dated XX/XX/2016. The complaint # XXXX was in connection with Account/CUSIP # XXXX. The property is located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX 's letter referenced another address. This complaint is in connection with Account/CUSIP XXXX and XXXX also for the same property located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am seeking clarification of US Bank 's role in those accounts as specified herein and for the specified property.

Company response to consumer: Untimely response
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX I was randomly contacted by representative from Portfolio Recovery Associates asking if I was XXXX XXXX and I said yes and she proceeded to tell me that she was trying to collect a credit card debt that was originally with XXXX XXXX XXXX that was open in XXXX and I told her that I did not open this credit card and she tells me that my last payment was in XXXX of {$250.00} and I tell her that it 's not possible cause I 'm XXXX and been XXXX since XXXX! She then questioned me about an address I rented in XXXX, XXXX that I had rented for my daughter but we conversing on a land line that is n't in my name in XXXX, XXXX where I 've lived for over 13 years! XXXX XXXX XXXX XXXX nor does Portfolio Recovery Associates exist on my credit files at this time behind this debt and it should n't cause it 's not mines! I 've had my share of pit falls with bad credit due to my health and BANCKRUPTCY and do n't want to relive it! This collection agency has my personal information like my ssn # and I do n't want them calling and harassing me for debt that is n't mines!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Advertising and marketing

Complaint: I entered my information into the database to opt out of prescreened consumer credit offers, but American Express persisted in sending me unsolicited offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I banked at Suntrust Bank for nearly over a dozen years without incident. Moved another business account there. After moving that account there, I was told to close ALL my accounts - checking./Savings & credit cards. It appears that one officer of this business has negative credit with Banks. I removed that person and severed all relationships. However, SunTrust has discriminated against me because of who I used to associate with. By closing my Credit Card, it shows on my credit bureau as " Closed Account by Creditor ''. This has adversely affected my credit standing in an immense way. I am asking that SunTrust reopen my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection Consultants have reported XXXX medical collections on my credit report that should not have been reported for several reasons. 1- I have insurance and the medical bills were 100 % covered by my medical insurance. Any bill that would have not been paid XXXX 100 % I did not agree with and I would have disputed. 2- I was never notified that they were attempting to collect a debt. Collection Consultants made NO EFFORT at all to reach me and validate these XXXX minor medical collections. I have lived at the same address for several years and have received no correspondence from them at all nor any verbal communication. As they never validated this debt they do not legally own the debt and to not have a right to report something they do not own. I have had the same phone # for 15 years. This is in violation of both FCRA and the Fair Debt Collection Practices Act. 3- they NY Attorney General has settled with the reporting agencies regarding medical collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Medical) with Simon’s Agency, Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus XXXX as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Consumer Loan (Installment loan) with Jim Bottin Enterprises, Inc (GA).
Issue: Problems when you are unable to pay

Complaint: This creditor ABC Financial Services , Inc., are charging late and service fees and did not disclose the same on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from my new mortgage company XX/XX/XXXX stating my flood insurance policy had lapsed and I had 30 days to provide my new policy info or they would place insurance on it for me at a substantial premium to cover " their '' interest. I have owned the home for 29 years and have never purchased flood insurance before. I had a previous request from my original mortgage company XX/XX/XXXX so I had an " Elevation Survey '' done by a professional surveying company stating my home was in XXXX. Homes that are in XXXX do not require flood insurance and the issue was resolved. The new mortgage company said they would not accept the elevation survey but required a letter from FEMA. I started the FEMA process which stated could take up to 60 days. Around XX/XX/XXXX, I received a phone call from the mortgage company concerning the flood insurance. I returned the phone call and told them I was still waiting on FEMA. After the phone call, I made some phone calls and was able to purchase flood insurance ( although I live in XXXX and it should not be required ). I paid for the policy but was informed that it all has to go through the government and would take 30 days to go into effect. This means the original letter I received giving me 30 days to comply was " barely '' attainable even if I received the letter the same day they wrote it. It took the mail a few days to get to me AND I had to find insurance, purchase it and have it go into effect in that same 30 day period per the letter. On XX/XX/XXXX, I paid FEMAFLOODNFSIE ( a government agency ) for my flood insurance policy ( against my better judgement ) and both my insurance agent and I faxed them the policy application information as well as the proof of payment ( from XXXX totally separate fax machines ). On XX/XX/XXXX ( three days after purchase of insurance ), I received the letter from FEMA stating my residence was removed from XXXX and indeed was in XXXX I promptly sent this information via fax to the mortgage company and figured the situation would be settled one way or the other ( I " purchased '' the insurance policy AND I had the FEMA letter they requested saying I was in XXXX ). On XX/XX/XXXX, I received another letter from the mortgage company stating THEY put the flood insurance policy on my loan. Now I have XXXX unnecessary insurance policies for the same property!! I have faxed the information several times as well as emailed it three times. When I call to speak to a representative, I am told they did not receive anything concerning my insurance coverage and I need to fax it again. I re-fax it and follow up with more phone calls but they never receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Credit card protection / Debt protection

Complaint: Notified by Capital One Credit Fraud alert the new credit card application was submitted under my name. 
I or any relative have not made a new credit application. 
I notified XXXX credit XXXX, XXXX, and XXXX credit bureaus and placed a credit alert.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I 'm XXXX XXXX 2017 I noticed XXXX XXXX re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.

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 12/30/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to contact Equifax by disputing my medical debt through their online dispute portal. I have also sent them a certified letter disputing this debt on XX/XX/XXXX. These collections were removed from my XXXX report because of multiple inaccuracies and lack of being able to validate this debt, but Equifax has not removed these collections from my credit report yet. Equifax keeps responding that this debt is mine and verified, yet I have never received an itemized summary of what I am being charged for, and I have never been contacted directly by XXXX XXXX XXXX,  either, which leads me to believe this is fraud. These collections need to be removed from my credit report from Equifax, just like they were removed by XXXX.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: On Monday, XXXX XXXX,2015 I received a notice from my mortgage company that monthly payment would increase by XXXX dollars. I contacted SunTrust mortgage company and was informed that the increase was due to my property taxes going up by over XXXX dollars. After learning this, I went in person to XXXX XXXX tax assessors office and the XXXX county tax office. At both locations I was informed that they had not provided SunTrust mortgage company with any tax information. And they did not have any idea where SunTrust mortgage was getting their information. 
My wife and I are senior citizens. A XXXX dollar monthly increase in are mortgage payment would have a very serious impact on our lives because we live on a fixed income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SCAM ARTIST - Specialized Loan Servicing , LLC XXXX XXXX XXXX, XXXX, CO XXXX - DEBT COLLECTOR, as printed on their Notice ; XXXX XXXX XXXX, XXXX. 

Received today a Notice dated XXXX/XXXX/XXXX " purportedly '' from XXXX XXXX XXXX XXXX advising of service transfer of an alleged loan to this company, but payments to be remitted to a GA address effective XXXX/XXXX/XXXX - P.O. XXXX XXXX XXXX, GA XXXX. SCAM artist collecting for an alleged account that has already been closed in XXXX, and reflected as such in Credit Bureaus. Additionally, the following are marks of intentional misrepresentation and considered Fraud under 15USC 1692e:1. Notice says : " this communication is provided..with regard to our secured lien on the above referenced property '' ... If they are " purporting to be a servicer '' - they can not be the owner of a lien - 15USC 1641f1-f2, albeit alleged account is already closed. 

2. Notice itself bears an XXXX letterhead - but only a photocopy- not original. Also, XXXX 's address XXXX, IA - has been replaced with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ). 

3. Notice does not indicate alleged account 's principal balance. 

The facts - account has closed in XXXX ; XXXX made an illegal attempt to collect in XXXX but after failed Debt Validation which involved CFPB, XXXX Office in CA and XXXX 's XXXX XXXX - Office of Consumer Ombudsman for XXXX - XXXX issued a letter advising XXXX to disregard XXXX 's collection letter. XXXX XXXX XXXX was also hired by XXXX to illegally attempt to collect - but could not validate alleged debt - and has since STOPPED further collection efforts after a Cease and Desist was issued on XXXX XXXX. 

FTC Complaint was filed today XXXX/XXXX/XXXX - reference number XXXX. A Debt Validation will also be issued shortly to this Specialized Loan Servicing , LLC. 

Thank you for helping investigate and enforcing the authority of your Offices to STOP fraudulent and unfair debt collection practices that hurt US Consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed XXXX XXXX several times. They are reporting that I am past due. The amount that they are reporting as past due is actually what is in forbearance after a modification. However Experian keeps saying it was verified. So this time I reached out to XXXX and emailed the CEO he had someone get back in touch with me only for me to find out Experian NEVER contacted them to investigate. I am asking that Experian stop violating FCRA laws.

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 12-01-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I leased my vehicle through Ally Bank. I setup my account on auto pay XX/XX/XXXX. Prior toXX/XX/XXXX my credit card had been compromised so I cancelled it and obtained a new card. I called Ally bank on the XX/XX/XXXX date to make sure they had the new card information so there would be no interruption of my auto pay account. I was told by Ally not to worry as the Auto pay was connected to my checking account. On or about XX/XX/XXXX I was sent an e-mail by XXXX XXXX stating that my credit score had dropped as a result of a 30 day late issued by Ally Bank. I called Ally bank and after two hours on the phone and 6 representatives was told I cancelled my auto pay on the XX/XX/XXXX date. Upon investigation it was determined Ally bank made the mistake of cancelling the auto pay. Further they never notified me of the cancellation of the auto pay or that it was delinquent. I am purchasing a home and am in effect homeless as I have sold my home in Arizona. I can not purchase a home until I resolve the Ally bank problem and have my credit score put back to where it was prior to Ally banks mistake. I have informed them of this with no result or action by them. it is my hope that you can help me resolve this issue. Thank you very much.

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