milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter Warfield claims I owe XXXX to XXXX for an order I did not place or receive. The order in question,XXXX, for an XXXX, was placed on XXXX XXXX using my XXXX. I have no use for XXXX products and would not order this item. It appears someone from my household placed the order using my saved XXXX on the site, I believe XXXX or XXXX payments were made on the item and this was purchased on a payment plan called flex pay. I have not placed an order with XXXX in quite sometime, the last order was returned, a XXXX computer. I would advise the collection agency, Hunter Warfield, that the payments made already for this item should suffice as again this is fraud. In closing, please advise them to stop collection efforts and remove account from credit bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: Suntrust statement that the note was sold to XXXX in XXXX - Maybe correct that Suntrust received payment for this mortgage note but the whereabout of the note is UNKNOW. 
The statement that XXXX is an INVESTOR is false- Attached XXXX XXXX letter stating that they have a lien on the property because XXXX Bank is an investor and that the NOTE was assigned to XXXX in XXXX is false. 

XXXX Bank America 's is only the trustee - for documents for an individual investor. 
They are not the owner of the NOTE. 
XXXX assigned the note to XXXX XXXX in XXXX and conveyed the interest under the mortgage to a four years prior closed trust and already bankrupt since XXXX XXXX XXXX. 
Suntrust is NOT a note holder, XXXX is NOT a Note Holder and XXXX Bank is only the Trustee - which would not have documents for an already bankrupt investor. 

The Original Note is requested for viewing and the exact location is requested. 
SunTrust can not service a mortgage on behalf of a bankrupt investor. 
XXXX also NOT an investor or a NOTE holder can not have a lien on a property. 
And XXXX Bank Americas Trust ( which only holds documents in trust for the investor ) is NOT entitled to collect on behalf of a bankrupt investor. 
Who is the owner of this mortgage remains the question. Attached XXXX assignment to XXXX in XXXX ( not XXXX ) and to XXXX XXXX NOT XXXX XXXX as stated by XXXX. A bankrupt trust can not originate a loan. A mortgage and note can not be conveyed 4 years after the trust closed, especially not to bankrupt trust.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX  companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/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 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have a credit card from Bank of America. It is a XXXX credit line that requires pay off each month. For approx. ten years I have had card and used it for the rewards. <P/>I received a letter dated XX/XX/XXXX, that Bank of America had closed my account because I had too many open trade lines, and had high balances on other cards. <P/>Never missed a payment or been late on this account. ( or others in the last 2 years ) Letter indicated any rewards I had would be forfeited. I had XXXX points in rewards. I did not close the account, nor did I do anything to invoke having my account closed- I know you have accounts at the " leisure '' of the financial institution, but without being guilty of any type of misconduct, I feel it is inappropriate for them to keep my points, I earned them via XXXX XXXX, which I PAID for since I paid the balance off each month. This was not a revolver, so if its paid, the rewards are earned. <P/>This is a terrible way to take advantage of customers. This is Bank of America.

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 06-05-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage has been the direct force in us resulting with a lien against our property. Our mortgage has our tax pymts escrowed. On XX/XX/XXXX, I was informed by my town office that no pymts had been received for the year & a XXXX day demand was in affect. We contacted Carrington on XXXX and was told that their records agreed, no pymt had been made. A copy of the demand letter was faxed by the town to the company. We were told it had been received and would take XXXX days to process but we were all set. After checking our account and seeing no pymt applied we again called on the morning of XXXX. We were told this time that nothing had been processed & that they had not received a fax from the town until XXXX. This was in fact a lie since we had verification back on XXXX we were all set. The town further verified it by having confirmation that the fax was sent on XXXX and there were no outgoing faxes on XXXX. They told us it would be another XXXX days for processing. I told them this was unacceptable since the deadline was XXXX. The town was contacted by them the morning of XXXX asking for yet another statement of the account balance. It was provided and then the town called and verified that it had been received and was in hand, which it was confirmed. I called as well and was told on XXXX that the check had been issued and had been overnighted. On XXXX, no payment was received. The XXXX aware of the situation, called the company and was told that they would call back with a tracking # and were surprised it had not come in. By the afternoon, the XXXX received another call from a different individual stating that there had been a mess up and the check had not been mailed ( Even though XXXX the XXXX and myself was informed on XXXX it had been mailed ) They were unwilling to do anything in forms of a wire transfer or over the phone payment to avoid us having a lien placed on our property by XXXX. Checks were finally cut and mailed on XXXX but a lien was filed due to non payment by the set deadline. 
This has further led us to believe that we were misdirected last XXXX ( XX/XX/XXXX ) when we tried to apply for a refinancing of our loan due to some hardships ( my wife had missed a lot of work due to XXXX issues ) We submitted everything that was requested of us and each time when we confirmed that it was received, were told we were all set. Then when we would call to check on the status, were told on XXXX separate occasions that the documents had not been received. We were ultimately denied and accepted it, but this is now making us wonder, if this was just another lie and documents were not delivered or fairly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Experian report and have not had any activity since XXXX of 2008 and Experian has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX Bank # XXXX ... .... and 2 ) XXXX XXXX ... .. Both of these accounts received their last payments in the middle of 2008. That is when I defaulted after I lost my job. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Experian verify these dates? They need to know that it is no right to report items past the statue of limitation, which I was told by XXXX & XXXX that that is 7 years. Please, can you ask Experian to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed. 


ALSO. May I add that there is an account on my credit report which is not mine. It is under XXXX XXXX XXXX. I have never held a loan or an account with this company and the terms and payment history make no sense and are not accurate. I had asked my student loan to be transferred to the XXXX XXXX XXXX department not the XXXX XXXX XXXX department. This is a very negative mistake on my credit report. Can you please remove this account as well. This will help make my credit report completely accurate. Thank you so very much. I have disputed that account as well and have not had any verifications or validations. I have also asked about details and have not received any.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is failing to validate the information they are attempting to collect for. I paid XXXX ( original creditor ) everything that was owed to them as of XX/XX/2017. I have been attempting for several months to receive actual evidence of said {$20.00} debt, such as an itemized bill with payment history and the original contract. All I keep receiving are letters that say, " we verified that this item belongs to you '', without any information which is not validating the debt. Please help with this company as they are reporting negatives on my credit report. I have spoke to XXXX who have verified that this amount was in error on their end and has sent verification to Amsher but Amsher is refusing to speak to them the phone and or update this information. 

According to XXXX privacy policy, " When We Share Information Collected About You. We do not sell your name, address or phone number to others outside the XXXX corporate family to market those companies products or services. Account Holder. If your use of our products and services is in conjunction with an employer discount or multi-line account, your employer or the primary account holder may have access to your information. For Legal Process and Protection. We will provide customer information where necessary to comply with the law, such as disclosure of your information to a law enforcement agency for your safety or the safety of others, or when compelled by subpoena or other legal process. De-Identified Data. We may provide your de-identified information to third parties for marketing, advertising, or other purposes. 

This is also a violation of XXXX   privacy policy that they agreed to as I copied above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: Hello, My name is XXXX XXXX and I have been a Santander customers since 2012. However, XXXX different customer service associates have been talking rude to me and trying to look into my credit. On XX/XX/XXXX, one customer service decided to pull on my credit over 5 times without my knowledge. However, my credit bureau told me that they pulled on my credit without my knowledge nor permission. In addition, a rude customer service associate called a week after pulling my credit and demand that I paid my car loan early. I would like Santander to explain is the meaning of this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, I set up a direct debit with PHH Mortgage to have my monthly mortgage be paid on the XXXX of the month, every month. I attached a copy of the confirmation email i received. I also attached copies of how my mortgage is showing in their system ... that is is set up for direct debit. 
I found out that because I am in Chapter XXXX bankruptcy, the payments were not debited from my account. I was not aware of this. I first realized when I received a letter from my bankruptcy lawyer stating that they ( PHH ) are pursuing a consent order to have my home removed from bankruptcy protection. I contacted PHH immediately and explained the situation. The agent could see where I did set up direct debit but explained that they did not go through because of my bankruptcy. They would not allow me to make up the 'missed ' payments but directed me to their lawyer, who has not returned any of my phone calls. I do not want to lose my home and I do n't understand why they will not accept my payments and allow me to bring my mortgage current.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I made a balance transfer from a SECURED credit card ( XXXX XXXX ) of XXXX dollars. I thought it would be a way to get it payed off taking advantage 0 % interest for a year offer. I went into the branch in XXXX XXXX. The gentleman who assisted me assured me this was a very smart decision I had made. I was paying XXXX annually in interest on my secured XXXX and had reached the limit so it was negatively affecting my credit. 
I do n't have any previous experience with balance transfers, nor do I have any expertise with credit cards, which is why I went to the professionals at chase bank. I was barley establishing my credit transitioning from a secured to an unsecured credit card. I chose to visit Chase bank. I trusted them, even kowing their interest rates, fees and fines are steep. I was willing to pay for good quality service and a expert at getting what I needed done. 
The bank man did a balance transfer from a secured ( I had initially used my money and made a XXXX deposit ) XXXX to a unsecured XXXX. My first statement was XXXX/XXXX and now I owe two banks around XXXX. This went on for four months. I 'm paying XXXX XXXX, but not Chase. My credit score plummets. I called Chase and spoke to several different departments, but nobody could understand what I was trying to explain. I just gave up because the last woman I spoke to was so rude. She made me wonder if it was n't a mistake of mine somehow. No. Not my mistake. Within two weeks I got a strange check from a unheard of branch of Chase for the full exact amount of the original transfer. I also got my account closed with both banks, a worse credit score than I started with and I still owe Chase bank XXXX. 

Unavoided any interest XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I noticed XXXX wrong addresses on a free credit report from Experian. My addresses are correct on reports from other credit-reporting companies, so this is an Experian error. I tried to remove the incorrect addresses online and was told I could not correct the report online -- I would have call Experian between XXXX. When I called Experian, I was told to go back to the web site and file a dispute on my credit report. I tried to use the dispute process online, but when I attempted to upload a document explaining the error on the report, as instructed on the Experian dispute site, the site would not allow me to upload any documents. The mail-in process requires me to send a copy of a government ID, a utility bill and a copy of my social security card -- a slow, time-consuming process that is not secure, and will be a hardship for me to complete. I would like Experian to allow me to make corrections online and/or over the phone, and to fix their web site so consumers can upload documents in the dispute process.

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 05/27/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Credit card protection / Debt protection

Complaint: I received my credit card statement and found a purchase in another state that I did not do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express routinely bombards me with phone calls with offers, such as " free '' hotel stays. They are NEVER free. I told XXXX to stop the calls, and yet they persist. More recently, they called telling me, that because I was a " good customer, '' they were awarding me XXXX bonus points. The call came from a person with a heavy accent. When I asked where she was calling me, the line was disconnected. American Express refuses to stop these calls and refuses to live up to any of its promised promotions. I already have canceled some of my accounts with American Express and in the coming months, will cancel the rest. But I know that means nothing to such a huge company. They need to be made to held to account for such shameful -- and fraudful ( is that a word? ) marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (GA).
Issue: Problems when you are unable to pay

Complaint: The vehicle financed with Exeter Finance Corp couple of years ago was voluntarily returned to the bank after discovering the car was sold overprice and with interests increasing on a daily basis. When decided to return the vehicle the bank never provided with additional information of the whereabouts of the vehicle ( i.e. they sell it in an auction, etc. ). After a couple of months, I started receiving calls from multiple collecting agencies which all estimated a different amount to pay off the loan finally. When contacted the collecting agencies they disclaimed not longer being in possession of the account, disclosing Exeter Finance Corp should be contacted for further information. The issue is that every single collector presented a different amount, including the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with GUARANTEED RATE INC. (TX).
Issue: Trouble during payment process

Complaint: Money was collected for Taxes and Insurance but I have NO idea if any of it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with Alliance Data Card Services (NY).
Issue: Billing statement

Complaint: Cometity Bank is charging me to much interest. The interest is over the amount of my balance. It is charged on a larger amount. The account has been closed for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Date : XX/XX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX COLONY XXXX XXXX XXXX XXXX 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 04/22/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: For the past year I have received XXXX 's of call from Portfolio Recovery. They were told not to call but have intensified their calls to me lately. I want to sue for damages.

Company response to consumer: Closed with non-monetary relief