milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX Dear Sir : This is a comlaint against this HunterWarfield, XXXX XXXX XXXX XXXX, XXXX FL XXXX Fax : XXXX XXXX Phone : XXXX This company has done the following which seems illegal 1 ) Added false information on my credit profile : It has added a claim of about {$800.00} when with reference to my prior house rental lease, when in fact I have already confirmed with my former landlord that no charges remain.
2 ) Broke the law, specifically Fair Credit Reporting Act ( FCRA ) by : Failing to provide the original documentation on which this claim is based on. When I requested to e-mail it to me as I was not receiveing their mailed items, their agent Maning provided misleading information that they can not email as per FCRA. I later checked FCRA and it allows for communciation over e-mail.
Here 's the relevant excerpt from the FCRA > > ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
I have already issued 2 written notices to Hunter Warfield to either provide written documentation or remove this item from my profile. But they are not acting XX/XX/XXXX XX/XX/XXXX Please take the necesssary legal action to get this questionable company 's claims off of my credit profile, and audit the legality of this company 's operations. 

Thanks

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My Identity information has previously been compromised and used to open several accounts and inquiries without my permission. These are just some if the accounts that were opened in which I do n't recognize. 

National Credit Systems- XXXX XXXX Apartments Date Opened- XXXX/XXXX/XXXX amount owed- XXXX This a Fraudulent account and I want it removed from my credit file with all three credit bureaus XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WESTERN UNION COMPANY, THE (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Western Union refuses to refund the {$500.00} I sent on XXXX XXXX, 2016. Ive already sent a letter explaining the reasons. 
I wrote the name of the person to whom I was sending the money incorrectlythat was it. They say that they have the money under investigation. 
I pay all of my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I have several accounts with Wells Fargo. In the six months I have have unauthorized funds taken out of my checking account. They did investigate and put the funds back in my account. I now feel very insecure with the handling of my accounts.

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 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than 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 non-monetary relief
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is in violation of FCR A 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ).  They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They are speculating and putting " information has been updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. If there is no evidence to prove the verification my next step will be to file a complaint with the Florida  States  Attorney and get resolution through the courts.

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 07-10-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On X/X/2017 I was issued a credit by a previous renters policy cancellation paid on a previous SunTrust debit card for XXXX. SunTrust is legendary for playing hide the refunds with my previously closed debit cards. This is why I no longer bank with them. Another case of money not credited. The insurance company has informed me that SunTrust did not inform them the account was closed. So, once again SunTrust has attempted to steal more money from me. <P/>Agent XXXX claiming she is n't aware of the card I 'm referring to. Call on X/XX/2017 she says my current claim will probably be denied because I do n't have the full card number. <P/>XXXX was refusing to listen or help in any way. As usual another wasted 30+ minute phone call. They ca n't even find the card I 'm referring to. They do n't know anything about anything.

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 12/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Settlement process and costs

Complaint: We did a mortgage modification or HARP loan to refinance our mortgage with Greentree XX/XX/2014. They added a principle increase on our loan of {$2900.00} and {$680.00} on XX/XX/2014. This was right after we signed the contact for the modification. We were told that this would not cost of anything and were never given a truth in lending disclosure when we refinanced the loan. I am told this is required by law. 
Since this principle increase was added to our account we asked on several occasions what these charges were, and breakdown in writing where they arrived at these figures. We asked several people in several departments over the span of about 5 months. Around XX/XX/XXXX we stopped asking and were unsure what to do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an FHA 203 ( k ) loan for a major home renovation. My original bank sold the servicing of the loan to LoanCare. We have submitted a draw request which was subsequently approved so a check was mailed. Unfortunately the check bounced. It has now been 4 days since I notified the bank and there is still no resolution. My Contractor has written checks to pay the subs that have done work on the house and now those checks are bouncing. Not only does this affect my Contractor, but now he is losing credibility with the subs and impacts their desire to want to continue to work on my project which will delay my project causing me to have to pay more months of mortgage than necessary. Please help.

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 08/21/2015 about Debt collection (Medical) with AmeriCollect (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Medical bill sent to collection agency, Americollect in XXXX WI. Total owed {$810.00}. Received notification from collection agency, called made arrangements to pay $ XXXX monthly until paid in full. Balance owed {$210.00} which I will pay off this month. Every month they call me asking for a payment even though I have made it. Last evening they called me asking for the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls my phone numerous times a day. They have reported to XXXX that I owe an amount of {$430.00}. This amount was reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and is showing on my privacy guard account in my alerts. I have never done business with these people and do not have a contract or not bill/balance with this company.

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 09/24/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: I have applied for Amazon.com credit card around XXXX or XXXX 2015. Despite the fact I have credit score of XXXX plus Chase denied my request. As the attached letter indicates. Chase only states that I had " previous unsatisfactory relationship with us or one of our affiliates. '' It does not indicate what did I do that was unsatisfactory to Chase or its affiliates. This is against the law I should know why my credit is denied. Chase policy is exclusionary and discriminatory. I am an American Citizen of XXXX for twenty years and a XXXX person. This exclusionary policy by Chase has caused tremendous hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Private student loan) with Student Loan Processing Direct, INC (WA).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: start the payment on XX/XX/2013, {$170.00} for 24 months {$180.00} for 24 months {$200.00} for 24 months {$210.00} for 24 months {$180.00} for 24 months {$230.00} for 24 months I start make a payment for a few months, and with out any knowledge, I got mail from XXXX from now on I have send payment to the XXXX not the consolidation company. as soon as I know, I talk to one of the XXXX customer service and I explain them that I was consolidated and I was making payment all this years. I told them my principle is not go down, as well is not count the duration I make payment to the 3rd party. so, at this point I need my money back since it is not toward my loan all the money I paid.

Company response to consumer: Untimely response
Consumer complaint received 08/18/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a joint checking account with someone else at Santander Bank. The other person on the account deposited what looked to be a " cashiers check '' for XXXX from XXXX XXXX. Once the check cleared my friend was instructed to wire money from XXXX to XXXX XXXX and keep the rest for secret shopping on XXXX. Within in a few days of the deposit and withdrawal the bank deemed the cashiers check fraudulent and the account is now negative. We have been told by the Fraud department that we are responsible to pay this back and are currently in collections with the bank. I spoke with their collections area and we have 55 days to get this paid back or the account will be closed and notice will go to XXXX XXXX and then to a 3rd party collection agency. By depositing this bogus check has not only created a very big minus balance but has credit reporting ramifications and not being able to open any new accounts if not paid off.

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 08/15/2017 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Being contacted and it has been reported on my credit report that I owe money to a company named XXXX XXXX. I do not know what this is I do no owe this company money. I sent a letter to Allied collections telling them this and asking for them to provide a signature proof that I owe someone money. They have not responded or provided any proof of signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of their actions.

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 01/17/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer has repeatedly billed my escrow account for lender placed insurance coverage of their own even though I have repeatedly sent them copies of our Condominium Association Master Policy via fax TO XXXX, and the website they provided for transmittal, ( XXXX, XXXX ) every time they have asked. I have fax transmittal receipts as well as confirmation from XXXX for the policies spanning the past few years. 
I believe this is just another mortgage servicer scam that they perpetrate upon individuals like me. They claim not to have received the required evidence and benefit from the placement of their own coverage through premium commissions or their own company-owned policies. Their premium charged to my escrow account is approximately {$620.00} for each year they have added the coverage in spite of being faxed or uploaded copies. If you multiply that amount times the thousands of mortgages they service and can proliferate the same scam upon those homeowners, it boggles the mind -- especially given that they do this year after year.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I have attached documents that explain what happened during a recent credit card dispute. I submitted my vehicle to an ill reputed mechanic shop and did not get the service that I had asked for, but was charged {$650.00}. Capital One then asked me for documentation to prove that the original mechanics had not provided the service I had asked, and I provided them with a receipt from an inspection by a XXXX dealership showing that the problems which XXXX XXXX had originally agreed to address were not addressed at all. Capital One told me that the documentation was not enough and then made unreasonable demands for follow up documentation. Specifically, they asked for signed letterhead from XXXX specifically naming XXXX XXXX as the mechanic that failed to provide the service I specified. I do n't know how XXXX could possibly have known what I asked the XXXX XXXX to do. It was an unreasonable demand and I felt that Capital One was just trying to shut the case down.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: wells fargo states that I own them XXXX buts thers is no record of it.

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 12-05-2017 about Debt collection (I do not know) with Midwest Recovery Systems (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: False information on credit report with XXXX. They did n't remove it but the debt is not mine, never has been. No contact has ever been made by by the company -- -scam. Midwest recovery systems needs to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax did not properly verify the information in my credit report. They did not contact the New York State Department of Taxation and Finance regarding this information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The credit collection company are submitting me information for the wrong amounts and continue to harass me about dept that is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX 2016 all of my inquiries were removed from my credit report. Logged back in today all inquiries are now back on the report and my score went down.

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 09/16/2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XXXX/XXXX/XXXX, my employer received a call from a man who identified himself as XXXX with the XXXX XXXX PROCESSORS OFFICE.. XXXX XXXX XXXX XXXX XXXX, FL ) XXXX This call was recorded ) caller # was XXXX/California XXXX, he ask what the companies policy was on employees being served on there job, then provided a CASE # XXXX and # for me to call back to the Administrator of the file XXXXgiving Third party discloser to my employer **** -- -- -- -- -- -- -- -- -- -- On XXXX/XXXX/XXXX - When I returned to work and was provided with this information I returned the call XXXX and spoke withXXXX XXXX with XXXX @ XXXX, He did not provide Mini Miranda, and did not identify himself as a debt collector, however told me I had a pending Civil Case against me? I ask am I being sued, he said yes! He said they sent me papers to process services in my local jurisdiction? I ask for the documents to be faxed to me, he said no they are out for process service, and the next thing I receive will be a summons? XXXX This company will not provide me anything in writing which I have ask repeatably by fax/mail ... I ask what the charge off date was and was told XXXX, however this is a old Juniper Bank Visa sold to Barclays Bank and charged off in XXXX XXXX well beyond any statue of limitation XXXX where I currently live ) I called Barclays bank they sold the account to a debt buyer in XXXX. I can not find anything on this company they claim to be XXXX out of California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (ND).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a credit report from XXXX. In said report were reports from Navient. I attempted to dispute the report/alleged account with Navient based on the mailing address being reported. I mailed the dispute via certified mail and was delivered XX/XX/XXXX. The delivery address was not the address listed in the credit report. The credit report reflects incorrect reporting information. Furthermore, I have not received information confirming the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called XXXX XXXX and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.

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