milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (HI).
Issue: Trouble during payment process

Complaint: Carrington Mortgage Services would not accept our request for an audit inquiry on our mortgage account. We sent them a letter requesting an audit and inquired about why our mortgage principle amount was still high. We had our home for more than 12 years and based on the principle amount we only paid down less than {$5000.00} which is very questionable to us. When we wrote and inquired via Carrington Mortgage Services they returned our letter. We even called many times, documented in many phone calls to the company regarding our inquiry. All we were told is to write a letter and send it to research. When we wrote the letter, spent money and faxed in the letter they returned the letter stating that they will not accept the letter from us. If we 've been paying a mortgage for more than 12 years, that principle amount should be less but somehow all our money is going towards interests and fees in which we did not authorize. Disclosure of information is a problem. We asked several times for customer advocacy to file our formal complaints, customer services representatives would say that there is no customer advocacy, they handle the complaints. When we called back and asked again, other reps would give us the advocacy department email and phone number. Why did previous reps lied to us. We were told when we defaulted not to send in any payments, payments we sent in will be returned to us in the mail. We waited for a month on the returned payment and nothing was returned to us. Another misinformation. Carrington Mortgage Services opened up an account with unapplied funds that we paid to pay our loan. These funds were left in a separate account that we were not aware of. We were told the funds will be applied to the loan so it 's been sitting in the unapplied account funds for very long time but it is for our loan. The purpose of the funds is to pay our loan not to be sitting on the side and not used to pay the loan. This to us is fraudulent practice since Carrington Mortgage Services is holding our money and not apply it to our loan. Misinformation from representatives. Representative would hand up the phone when they ca n't answer our questions. When calls are dropped they do n't have the courtesy to call us back although you spent almost an hour with them on the phone. It is very unprofessional. It creates frustration and angers you as a customer when you had to call back and repeat what was said to the previous representative. Their recording says, " Customer Care '' but caring for customers is not carried out by their business practices which is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX NCC ( litigation department ) left a voice mail on a third party phone number, stating that he knows that this is not my phone number but they have pending charges against me regarding case # XXXX leaving phone number XXXX, and they will move forward with the litigation charges.

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 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX  I received notification tha t American Express was cancelling both of my American Express Credit Card Accounts. This came as a   surprise as I have never missed a payment since I have had the accounts. I called  American Express to inquire about the account closures.    I was initially told that my account  ( s )  were being closed because :  1. O n  XXXX   XXXX ,   XXXX   my   XXXX    Score was  XXXX   2.  Ratio of revolving account balances were too high 3. There is no recent information about installment accounts   4. There are too few accounts currently paid as agreed 5. Payments were being returned unpaid by my bank 6. Excessive cash advances 7. Excessive Travelers Check requests a. Never requested any Travelers Checks at anytime from American Express.
b. Only used my card once in the last 10 months for a cash advance.      c. American Express Collected  a payment of  XXXX  on  XXXX   XXXX ,   XXXX  . However , American Express  denied receiving/collecting the  XXXX  payment on  XXXX   XXXX ,   XXXX  . My bank statement denotes the payment being returned with  XXXX  reference number and shows the payment being successfully processed on the same day d. There are no late pays on my credit report. I have never had a late payment with  American Express at anyti me e. As for the ratio of revolving accounts, I only have the  XXXX   XXXX   credit c ards and no other credit account s f. Last  time I checked,  XXXX  was a soli d credit score Af ter noticing the error on my bank statement ( for the  XXXX  payment ), I conducted a brief review of my  American Express CC Statement Payme nts vs my  XXXX  Checking Account.     I discovered  two p ayments in the amount of  XXXX  each were collected on  XXXX  and  XXXX  by from my  XXXX  Checking Account and never credited to my  XXXX  accounts.     Today I contac ted American Express an d requested that they reinstate my cards. My requests for reinstatement was denied  by American Express

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I called and asked for a goodwill adjustment on my account due to CareCredit being reported as late. They are refusing to grant this I mistakenly missed a payment in XX/XX/XXXX and XX/XX/XXXX due to some family issues but have not had any late payments prior to that or since catching up in XX/XX/XXXX. As of XX/XX/XXXX, I have paid the balance completely off. I called on XX/XX/XXXX to ask for a goodwill adjustment but was denied.

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 11/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notice today XXXX/XXXX/XXXX from my employer that my wages were to be garnished. After reviewing the documentation provided from my employer I realized I have never heard of this debt. This is supposedly from a judgement received in XXXX of XXXX in XXXX TN. I currently live in NC and have had no knowledge of any judgments against me. I called the plaintiff listed Midland Funding LLC and the representative there had no information for me only gave me another number to call XXXX. After calling that number I see it is for an attorneys office XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. THe representative there was very rude and even after i told her this was not my debt told me i was pass the disputing period. how would I know to dispute something I have never had any information on. I was advised this is from a credit card issued by XXXX XXXX. I have never heard of this company and have never been contacted by them or any collection agengy. I was not given to opportunity to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX XXXX XXXX IS MY BOA CREDIT CARD. I CAN NOT GET THE LAST 2 STATEMENTS. BOA DOES NOT RESPOND. BOA IGNORES THIS REQUEST. BOA REFUSES TO ANSWER.

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 07-12-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Trouble during payment process

Complaint: I paid for my home in full on a 20 year note. On the last payment I was told I still owe XXXX dollars. My mortgage was XXXX payments. Principle and interest fixed for 20 years. Now Chase bank never in the time I had them told me of a shortage in my payment amount. They even sent me a check for {$1800.00} dollars in XXXX. No fees on any statement. They claimed I had on my original mortgage an interest rate of 13.7 % day to day interest which I never heard of. Chase NEVER informed me of a shortage in my payments that would make them take the bulk of my principle for their interest portion. Chase benefited by me not knowing that all the principle I was paying was not going where I thought it was going. Chase allowed this money to accrue for 20 years. I requested a copy of my mortgage 3 times. They just ask me to hold on the phone and never come back. I even gave them my cell phone number if we get disconnected. Still no call back. My original mortgage was XX/XX/XXXX, loan maturity XX/XX/XXXX. If this interest rate was as they say, I would have changed it years ago. The interest was crazy. I wanted to pay it off, so I left it. I believed I had a FIXED rate. The bank is trying to extend my payment maturity date. I signed up for 20 years only.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (I do not know) with V and H Portfolio (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted  by Vance & Huffman abou t a year ago about I debt I owed to a company name  XXXX   XXXX   XXXX  to Own. I told the representative on the line that the debt was n't mine because I have never lease anything from this company. I asked the representative when did the debt occur, what date, what was the product, and what address was the product delivered to. He had no answers. After calling a few more time the call from the collection agency ceased. On  XXXX   XXXX ,    2017, Vance & Huffman  attached this collection to my credit report despite me denying I owe this debt. I have received absolutely no communication via mail. Not even an account number so I can request a letter of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On XXXX XXXX, 2015 an employee of the Banco Popular de PR 's Consumer Credits Services Division called to my employer phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of a personal loan. 

The name of the employee is XXXX XXXX and he identified himself to the receptionit as an employee of Banco Popular. 

The same date, I wrote the enclosed letter to the bank ( Banco Popular de PR - Consumer Credit Services Division, XXXX XXXX XXXX, XXXX XXXX PR ) notifying that that any debt collection call should be made to my cellular phone ( that already they have ) because my employer prohibit the origination and receiving of personal phone calls during duty hours and, they were calling me for a personal matter. 

A few days later, a supervisor of such division contacted me by phone to confirm that he had receipt my letter and provide appropriate apologies for XXXX XXXX 's actions. He also committed, in the name of the bank, to take my request in consideration on the future. 

However, today XXXX XXXX, 2015, XXXX XXXX XXXX XXXX, without first trying to contact me in my cell phone, called again to my employer 's phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of the same personal loan. He directly identified himself as an employer of Banco Popular and use a phone number ( XXXX ) that many people in XXXX XXXX recognized as the Banco Popular 's Collections Office phone number. So, the receptionist again recognized this phone call as a debt collection call and for a second occasion, no matter my XXXX XXXX, 2015 request, the collecting bank disclosure to a third party, not related to the business relation between the bank and I, that I own money and are late in my payments. This actions definitively affect my image and reputation in front of my employer and other co-workers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015, I received a Promotion paper from FIFTH THIRD BANK : basically the promotion was to receive {$200.00} if I open a checking account and set up a direct deposit for more than {$100.00}. I visited one of their offices in XXXX XXXX, FL and I did exactly what they told me to do in order to receive the {$200.00} bonus. I 've been waiting for 90 days ( time they told I have to wait ). I just received yesterday an email from XXXX XXXX ( the office manager ) saying : " After completing my research it shows that the type of account that you opened does not qualify for the bonus ... '' I feel disappointed because I trust them but my feeling are that this is just another false advertising to get people work with the bank without paying any bonuses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Documents were sent to US Bank for a loss mitigation review of the Making Home Affordable Program on XXXX XXXX, 2016. These documents were followed up by a call on XXXX XXXX, 2016 to confirm complete and received. They advised that the only thing that would be needed to complete this package would be a financial worksheet. This document was faxed to them within an hour of the request on XXXX XXXX, 2016. When US Bank was contacted on XXXX XXXX to confirm that this was received, the representative did not even know that it had been added to the file and the document was not reviewed until the call was placed to them. Since there was a foreclosure sale of XX/XX/2016 it was imperative for these documents to be reviewed in the proper 5 day time frame. When a call was placed on XXXX XXXX, 2016 the foreclosure sale was still listed when they had a complete package on file since XXXX XXXX, 2016. They are violating dual tracking by foreclosing on the property when the file should be in loss mitigation review.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX  ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (HI).
Issue: Rewards

Complaint: I Opened a new platinum card with American express as I was invited with a XXXX point signup bonus, requiring the annual fee to be paid immediately. I met all the terms of the signup bonus and was credited XXXX points. I spend XXXX a year on my amex everyday card, and found that i prefer the benefits and rewards of my everyday card, so i decided to close the platinum card before fee renewal as I do not travel much. I find out XXXX amex decided to claw back all my XXXX points, despite there being no clause or mention in the agreement that account closure before renewal will forfeit those points. I still have a rewards account tied to my amex everyday preferred card. Please help with this unfair and deceptive practice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with Ashton & Weinberg, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is an update with additional information in reference to a case I already have open with CFPB. It 's [ Case number : XXXX ] Around XXXX on XXXX XXXX 2016 Clay from Ashton & Weinberg called my dad & asked him if I was his daughter or daughter in law. After my dad told him I was his daughter. He proceeded to ask my dad if I am on his mortgage. My dad stated he is not going to talk about this information with him. He told my dad this is in reference to a civil suit. My dad said my daughter had already spoke with me & said what you are doing is illegal. XXXX offered his number to my dad but my dad was driving & declined. He called my dad again two more times on XXXX seperate occassions. He left a voice mail with my information along with his name & number for me to call him on my dads voicemail. The second time my dad answered again he was questioning about me & asked if I planned on settling this issue. First off they should n't be calling my dad let alot asking him questions regrading it. This is harassment & needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (TX).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: On XX/XX/XXXX I purchased 3 Netspend prepaid card by mistake from XXXX. After I realized they were n't what I needed I took them back, but XXXX said they could not refund the money. I had to contact Netspend for the refund. I contacted them XX/XX/XXXX by phone to make request for refund. After I did not receive it, I contacted them by phone again on XX/XX/XXXX. I still did not receive the refund by XX/XX/XXXX and called back again. I am currently speaking with them today,XX/XX/XXXX, to get my refund but they seem to be holding my money.

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 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: A debt collector is reporting the incorrect date of first delinquency on my credit report. I disputed the item and it was verified. In an effort to provide proof of the incorrect reporting to the debt collector, I requested in writing on XXXX/XXXX/15 via certified mail, to Transunion, a copy of the FCRA compliance date/date of first delinquency for the account in question. No where did I list the word dispute. This request was not a dispute. This was a REQUEST to TRANSUNION and not the debt collector. I enclosed a check in the amount of {$11.00}, which is supposed to be the processing fee for said request. I received in the mail a response to my " dispute '' which again was verified. I did not initiate a dispute and Transunion incorrectly initiated one. They sent the information to the debt collector for verification! They did not read my letter and did not attempt to provide the information I requested from them. When I called to request the status of the FCRA compliance date and ask why a dispute was initiated, I was referred to the Special Handling Department who did not understand how to assist me. I was routed to a call center in XXXX, where there is a language barrier and culture barrier. The representative was unable to assist me with my simple request. To date, I still have not received the information I requested, that is supposed to be available to the consumer should they ask for it. Transunion failed to read the request and provide the information I need. They also opened a dispute in which I did NOT REQUEST. However, they cashed me check!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Experian has a multiplicity of programs designed to assist in credit monitoring and credit repair. They provide regular credit score information if requested. The problem is that none of them provide consistent information and they also provide contrary information to creditors unbeknownst to the consumer of their credit management product. This seems to constitute a form of fraud. 
I recently became aware that there are three different experian credit scores associated with my social security number and a different score that was being provided to a creditor.

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