milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against Enhanced Recovery LLC because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of XXXX has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

XXXX Account Number XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/24/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Settlement process and costs

Complaint: Bank of America refuses to provide lawful information pursuant to the Fair Debt Collection Practices Act to validate a debt. Further, they continue to harm my name by reporting this information to Privately Owned credit reporting companies. Bank of America was asked specifically to provide the following information:XXXX A statement admitting whether you are the holder in due course or whether you are a servicer. 
XXXX. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
XXXX. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
XXXX. The XXXX number under which my loan was securitized to. 
XXXX. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with NCC Business Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Other

Complaint: On XXXX XXXX, 2016 I received an email from American Express offering XXXX XXXX if I applied for a credit card. I had been holding off on applying for any cards but thought the XXXX XXXX would be worth it. I applied and re-read the email I received. My husband worked for a credit bureau and so we have always been selective when it comes to this type of decisions. The email stated, " earn XXXX XXXX after spending {$1000.00} or more on your card in eligible purchases in the first 3 months of card membership. Plus, receive a {$50.00} statement credit after you make a XXXX purchase with your new card in the first three months. " I spent over {$1000.00} in the first three months and waited to see the XXXX XXXX ... they never showed on my account. I contacted Amex several times only to get the run around. After finally speaking to a supervisor, I was asked for a promotion code but explained that the email I received had a direct link and was never asked to submit a promotion code. I saved the email, sent it to Amex to review and was told I would have a response within XXXX6 weeks. This happened two more times after waiting 6 weeks each time. Every time I spoke to someone I was told that the promotion code I used did not offer but XXXX XXXX. I repeatedly explained that the email I received and used to sign up for my card had no promotion code attached but rather used a direct link from that promotional email. I have waited months, spoken to at least XXXX supervisors and no one can get this resolved. I have attempted everything I can, I feel lied to and incredibly disappointed in the amex customer service. I have been treated as a liar when I have proven that I am a loyal customer who has continuously paid on time and only used the email that I received from them. XXXX supervisor had the audacity to say that I was attempting to get higher XXXX becuase their amounts and promo emails fluctuate. I had to explain that I had received offers of up to XXXX XXXX before yet i was not asking for that. I was simply asking for what was promised in the email I received from them. it had come down to principle. Their promotional email was either faulty and the direct link did not take me to the correct page or it was a blatant lie. Either way, after months of attempting to correct this issue I have come to a realization that American Express only employs incompetent people who can not resolve this simple issue. I do not recommend them to anyone anymore as I now see that correcting even the smallest issues are nearly impossible, they are not willing to take the time to research the matter rather they pass you off to different representatives, tell you to wait XXXX8 weeks each time you call or do n't bother to give you an answer but " this has already been reviewed and nothing can be done ''. Their business practices are nothing short of unprofessional, deceitful and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this issue backs from XX/XX/XXXX when XXXX XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to Santander Bank in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on Santander and XXXX XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to Santander? 
More recently year by end year XXXX I contact Santander to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. Santander does report my credit card activity on XXXX  card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " Santander never reported payment to XXXX even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. XXXX only state my comments. 
Santander Bank, always send a letter to me after I do request them to report XXXX   and fix the problem and last said on second paragraph " ... .Santander reported this account as a paid charge off. Per XXXX, this account is reporting as a paid charge off '', my question are, is it XXXX will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by XXXX not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why Santander never report to XXXX? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.

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 01/13/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan was transferred to Nationstar Mortgage from XXXX XXXX in XXXX 2015. Prior to the loan being transferred, XXXX XXXX honored the 15 day grace period for loan payments made online, as outlined in my Note and Mortgage. However, the first month that Nationstar Mortgage was servicing my loan, I made my payment after the XXXX of the month and found a {$9.00} " late fee '' assessed to my account solely due to the fact I made my payment online after the XXXX day of the month. This fee is unscrupulous as it contradicts the 15 day grace period as agreed upon in my Note and Mortgage. I was never made aware of the fee through separate letter ; I had to call Nationstar Mortgage 's customer service department to find out the information. They bury it in the monthly statement under the heading " Payment Options ''. I do not feel it is fair to punish people who make their payments on time, who are current on their mortgage payments and during the legally allowable grace period. Some people do not get paid during the first week of the month and the 15 day grace period allows flexibility to all. 
I was happy to refinance my loan in XX/XX/XXXX to XXXX XXXX only to receive a letter last week that my loan is now being transferred once again to Nationstar Mortgage. Again, I feel this matter should be looked into as it goes directly against the verbiage as agreed upon between Mortgagor and Mortgagee in the Note and Mortgage. I do not want to be subjected to unnecessary and illegal fees. 
Thank you for your time and consideration.

Company response to consumer: Closed
Consumer complaint received 01/27/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I recently discovered by viewing my latest XXXX credit report this past XXXX XXXX, XXXX that Midland Funding , LLC had entered a Civil Judgment into my Public Record. I had no prior knowledge of this suit and Judgment since I had not received any service thereof. 

This suit was filed in XXXX XXXX XXXX Court XXXX on XXXX XXXX, XXXX, with Judgment later docketed on XXXX XXXX, XXXX. My issue is this ; I had moved on XXXX XXXX, XXXX XXXX and have resided there ever since at the same address. 

I was fully aware of Midland Funding owning this debt since mid XXXX when I was, at that time seeking assistance from the Law Office XXXX XXXX XXXX XXXX XXXX, XXXX who is a highly rated debt settlment firm XXXX. I have since parted ways with this firm as of fall XXXX due to it 's rather high fees. My wife ( who is the sole wage earner ) and I suffered a significant financial setback in the form of her leaving her job at the end of XXXX due to an abusive boss. 

We had struggled all thru XXXX and into XXXX when we were finally getting back upon our feet, with our finances becoming more manageable. As of this past XXXX XXXX, I then decided to embark on settling our credit debts. I sent XXXX settlement letters via USPS Certified Mail to Midland Credit Management, XXXX for myself dated XXXX/XXXX/XXXX and for my wife 's account dated XXXX/XXXX/XXXX both of which were signed for and picked up, but got no response except for a simple letter ( dated XXXX/XXXX/XXXX ) thanking me for updating my contact info with them. They mentioned nothing about the suit or anything related to it, let alone any information on a judgment. 

Today, Wednesday, XXXX XXXX, XXXX I then made contact with Midland Credit Management and was directed to a woman named XXXX XXXX XXXX ext. XXXX ) who I was informed was handling my account. After speaking with her and some back and forthing, a supervisor then picked up who 's name was XXXX XXXX ( last name was difficult to understand due to his heavy accent ). XXXX he and XXXX sidestepped the issue of the judgment after I referred to it several times and after some discussion, I decided that the conversation was n't going anywhere positive. XXXX kept insisting the full amount of XXXX which included some {$77.00} related to the judgment was to be included in the amount to be negotiated, to which I insisted repeatedly that the judgment was invalid, but she would hear none of it. Their offer was a 40 % discount on XXXX debts, both my wife 's and mine. 

It 's worth noting in my opinion that while my accounts were with XXXX XXXX XXXX debt settlement law firm mentioned above, they were able to achieve a 60 % discount on my XXXX XXXX Bank XXXX XXXX XXXX, XXXX. {$680.00} debt for a total of {$270.00}. They, MCM, were not offering that very same deal at this time, but were very persistent on only offering a 40 % discount.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Problems when you are unable to pay

Complaint: I have an installment loan with Lendmark Financial and I experienced several issues with the company drafting the payment from my account when they were supposed to. This resulted in my account being delinquent. I then got my account back on track and the same issue occurred again. Lendmark Financial filed a court case against me and placed a judgment on my credit report. I feel that I have been paying the loan and should not have a judgment while paying. The judgment amount is inaccurate as well. The judgment is {$12000.00} and my balance is {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Still reporting a debt after the time frame allowed by the fair credit act will not remove account affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been in communication with midland, asking them to send me full verification, validation and accuracy on an item originally owned by XXXX, and now XXXX XXXX. As of yet they have not sent us anything, not even a letter from XXXX XXXX or XXXX, basically authorizing Midland to contact and attempt to collect on this item. This is important that we receive because we have documentation stateing that this item has been " PAID IN FULL '' with a {$0.00} balance since 2013. 

Please help me i am XXXX Years old and i am constantly being called and solicited to buy things by phone or by mail, and or to pay things from people i have never heard of. 

I am sending documentation stateing that XXXX XXXX shows a zero balance and " ACCOUNT PAID IN FULL '' I have reached out to XXXX XXXX for help but they have not responded. 

I feel coerced and under durress from this company and need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Late fee

Complaint: I had being a customer of American express credit card for 11 year with never being late once since XXXX 2015 in which I thought the payment was due on XXXX XXXX 2015, but it was actually due on XXXX XXXX 2015. I was charge for a {$27.00} dollar late fee for which I call customer service to see if they can waive since it was the first time in 11 years that it had happened and I had being always a good customer by paying on time and having my paid on full most of the time. The representative asked to make the payment of the balance which I did immediately and then she declined to waive the late fee. I ask to be escalated to a supervisor and the supervisor also declined waiving the late fee. Most of the credit card companies would give a XXXX time pass for late fee since we are all humans and not computers and anyone can overlook the date of a payment. But American express I guess is in the business of profiting from late fee as well not matter what kind of customer you are. You can be great for 11 years and XXXX slight minor mistake of being late for a payment for 7 days and they do not work with you. That is why I want to submit this complaint so people can see how American express treats its customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over the course of the past decade, I have sent Portfolio Recovery Associates multiple certified letters regarding harassment for non-existent accounts. I continue to be harassed at my home from the following debt collectors : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I currently do not have any accounts in default status.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had to get private student loans for each year of college because I did n't qualify for federal student loans. Upon graduating and shortly thereafter the loans coming into repayment, I could n't afford them and defaulted. XXXX were n't being flexible with me and I never could catch up. Now my credit is terrible, I ca n't get anything in my name just because I went to school to better my future.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CURO Intermediate Holdings (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I learned that I had been a victim of Fraud for over 20 years. I was born in XX/XX/XXXX, and there had been accounts in my name dated as far back as XX/XX/XXXX, when i was only 6 years old, far before i could legally apply for anything. I immediately filed a 90 day fraud alert and had a credit repair service further investigate. They were able to prove to all companys ' for which had fraudulent accounts, inquires and background information in my name, that i had not opened or consented to any of these accounts and consequently all accounts were removed/deleted from my report, besides these 4 inquiries that remain on my report with XXXX. I have had two different credit repair companies, again, try to prove that i did not consent to any of the below listed inquiries, sending in disputes of the information at least 5 consecutive times. I eventually began to receive letters from XXXX stating that these companies would not remove the inquiries as they were found to be " a factual record of file access ''. Again, I state that this is not true, i did not consent to the below inquiries and I request that they be removed immediately. 

( 1 ) XXXX XXXX, XXXX ; XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Credit card) with Nelson Cruz & Associates LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Today I received a call from Nelson Cruz & Associates XXXX where they left a voicemail regarding a " pending legal matter ''. They provided a case number of XXXX. I returned their call to ask for more information and they committed several violations of the Fair Credit Reporting Act. 

Here is the list of violations that they committed : 1. They told me I had a " legal case number '' ( listed above ). I asked if the lawsuit was filed in Federal, State or County court. They then said there was no lawsuit filed. 
2. They also allegedly recorded the call without my consent. 
3. They attempted to re-age my debt. Specifically, they told me the last activity on the account was in 2011. This is untrue. Also, they stated that the statute of limitations for a breach of contract is 7 years. This is also false. The SOL in XXXX is 5 years, XXXX is 3 years and XXXX is 4 years. The statute of limitations has expired and the debt is not collectable. 
4. They stated that they were going to garnish my wages. I asked if they filed a lawsuit again and a man named XXXX XXXX proceeded to scream and harass me and threatened to garnish my wages. He said they 'd see me in court but would not provide me any information. 
5. I asked for their address to serve them written correspondence via certified US mail and he refused to provide the address. He then proceeded to make more false and misleading statements and misrepresented the details of my account in an attempt to intimidate me. 

Based upon the threatening tone of XXXX XXXX, I am now in fear that this company may use my personal information to exact " revenge '' on me and possibly even try to steal my identity or use my personal information for other nefarious purposes. 

I also did an online search of this company and it seems that they 've been using illegal tactics to collect debts from many people in various states. 

From my search of the XXXX Comptroller 's website, here are some of the people involved : 1. In house counsel/registered agent : XXXX XXXX XXXX, XXXX. ( XXXX Bar No : XXXX ) 2. Managing Member : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Please look into this company as I am sure they are victimizing many good hard working people with their deceptive practices. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation