milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX XXXX phone collection agency - Sunrise Credit Services. The collection agency has taken over the account and calls and threatens my XXXX XXXX XXXX mother with arrest, jail time, and threatening to sue her. She has XXXX XXXX XXXX and does n't remember much. I have power of attorney over her, and this bill went into collections recently, but I have begun paying on the bill prior to Sunrise Credit Services calling. Apparently they are n't getting as much money as they want or as fast as they like. However, threatening to take someone with XXXX XXXX XXXX to jail over a debt? It takes hours and hours to settle her down after XXXX of these phone calls.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Violation Federal Debt Collection Practices Act 809 ( b ) " ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. '' After checking my consumer credit reports, I noticed a company called ACS/XXXX was reporting on my credit report. On XX/XX/XXXX, I sent a debt validation letter to ACS/XXXX via certified mail ( receipt attached ). I disputed the entirety of their claims. 

On XX/XX/XXXX, I sent disputes to XXXX, XXXX, and XXXX certified mail ( receipts attached ). 

On XX/XX/XXXX, I received updated credit reports from XXXX and XXXX stating they verified the information and updated my credit reports. 

The information was not deleted. 


ACS/XXXX is in violation of the FDCPA 809 ( b ) because they continued with collection activities ( responding to and verifying credit reporting agencies ) while failing to send me verification of the debt. 

As of XX/XX/XXXX, I have yet to received any correspondence from ACS/XXXX. They failed to respond to my debt validation request but yet responded to the credit reporting agency, which is continued collection activity. 

This is a clear FDCPA 809 ( b ) violation. 

I respectfully ask that this tradeline and account be removed from all three of my consumer credit reports. 

Attached is : 1. Debt Validation letter to ACS/XXXX 2.  Certified Mail return receipt for ACS/XXXX 3.  Certified Mail return receipt for XXXX XXXX, XXXX, XXXX 4. Updated credit report from XXXX   indicating the ACS/XXXX verified 5.Updated credit report from XXXX indicating the ACS/XXXX   verified

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: PHH Mortgage stopped our automatic payment without notifying us. They also transferred the servicing of our mortgage without notifying us. On the phone they claim XXXX XXXX XXXX sent a joint notification. We never received it. I explained that a company I have no dealings with sending a letter claiming rights to my mortgage payment does not positively prove transfer of service. I requested PHH send a new letter. They refused and told me I had to ask XXXX for the letter. I 'm left with no paper trail positively identifying who we should be paying. We have paid two months of mortgage out of fear. XXXX has sent repeated delinquency notices and information about Foreclosure. Even certified letters. We have been harassed and threatened by this new company. They are happy to send us a letter claiming they have a right to our mortgage payment. But that does not prove they have a right. I must have a letter solely from PHH clearly stating who the services are being transferred to and when. Our dealings with PHH began when XXXX used them for servicing our mortgage. I never chose to deal with PHH or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: I am a victim of identity theft and someone made unauthorized inquiries for credit with my information. XXXX were made under my name to Capital One Bank on XXXX/XXXX/16 and XXXX/XXXX/16. And I am asking them to please delete them. The credit bureaus state they can not remove them unless Capital One gives them permission.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.

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 01/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: FedLoan Servicing, a private entity, on behalf of the US DoE, processes payments for my student loan. In order to maximize accumulated interest, FedLoan Servicing deliberately and unlawfully posts electronic same day bank deposits one day later than receipt. No other known entity behaves in this unethical manner. The same practice does not occur with my credit card issuers or my car loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Struggling to pay mortgage

Complaint: Suntrust foreclosed without written notice. 
I have enclosed the actual notice that was received 5 days after the home was foreclosed on. 
I have enclosed the time stamps on the post offices letters.

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 09/16/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NV).
Issue: Managing the loan or lease

Complaint: Today ( XXXX XXXX 2016 ) I received a bill from GM Financial for the amount of {$7400.00} due by XXXX XXXX 2016. I terminated my vehicle lease on XXXX XXXX 2016 due to a military deployment and turned it in that same day. I received an odometer disclosure statement slip from XXXX XXXX ( Customer Relations Manager for XXXX ) upon turning in my keys. I faxed proof of my XXXX to GM Financial along with the odometer disclosure statement. On XXXX XXXX 2016 I received a letter from GM Financial stating that my account has been paid in full. I also have a screenshot that I took of my GM Financial account website which also shows there is a zero {$0.00} balance owed. I checked my credit report today ( XXXX XXXX 2016 ) and on my credit report for all XXXX credit bureaus it shows the account as paid off with a zero {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit card protection / Debt protection

Complaint: i was offered a free night with the intercontinental hotels program, i stayed at the hotel on the XXXX of XXXX 2016 for XXXX night. 
i was assured and promised that by the end of my stay i would only be charged XXXX night, then i was charged for XXXX nights. 
i have talked to all the representatives at the XXXX rewards program and with the accountant of the hotel and was assured it will be fixed. 
it was not fixed so i had to dispute the charge with Chase credit card, and they did not help me the consumer and credit card owner. 
so i canceled the credit card with out paying the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Trouble during payment process

Complaint: I have had a history of complaints regarding this organization ( Bayview Loan Servicing ). I am currently in court because I filed and OSC/TRO against them due to their illegal attempts to add escrow account to by cooperative loans, and change my monthly payments to include the escrows. If you take notice of previous complaints ( XXXX, XXXX, XXXX ) there is a pattern of this mortgage servicer not providing complete information. They drag out the process by making me re-request the same information and then do not answer the points of concern, or send incomplete or incorrect responses. A ) In the beginning of this year I demanded that they send me the name and contact information of the owner of the cooperative loans I have with them. One XX/XX/XXXX they provided me with just a bank name and address. They stated the bank that owned the loan ( s ) was XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by certified mail and they re-directed me to Bayview. I then called the phone number on the XXXX XXXX and called XXXX XXXX ( research analyst XXXX XXXX ). She informed me that the information provided by BLS is incorrect and that XXXX is the master servicer. She went on to tell me that XXXX XXXX is in fact the owner trustee of the loan ( s ). She further informed me that she reached out to BLS to tell them that they provided incorrect information to me and that they needed to resolve this. To date I have not received the name, and contact information of the true owner of my loans. B ) Next BLS is depicting my accounts as escrow balance accounts when these accounts are not escrow accounts. C ) BLS is reporting incorrectly to CRA 's by balance of accounts, and was reporting late payments incorrectly. I owe less than {$1000.00} on one account and less than {$1300.00} on the other ( XXXX, and XXXX ). They both will be paid off by XX/XX/XXXX and XX/XX/XXXX respectively. They are reporting that I owe over XXXX per unit to the CRA 's. D ) BLS is not sending me my invoices per month for XXXX to date, and may be planning on not sending me my invoice for XXXX next without explanation. E ) They still have not provided me with proof positive ( source documents ( check, or otherwise ) ) depicting the payoff of XXXX in XX/XX/XXXX as previously requested. I sent BLS the below email to all the key persons and to their attorneys. My understanding is that they must respond within 10 days. It was sent on XX/XX/XXXX. It is now XX/XX/XXXX, and this request was initially made back in XX/XX/XXXX when they gave incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX, Equifax and XXXX ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XX/XX/XXXX I have not received a response from Equifax or XXXX. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XX/XX/XXXX Please attachments-

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX account on my Transunion credit report contains fraudulent information. I have filed several complaints with Transunion and XXXX XXXX. Still, not any of these issues have been corrected. Transunion is allowing this company to report fraudulent information towards me. XX/XX/XXXX, I filed chapter XXXX bankruptcy. The XXXX account was included in the bankruptcy. On XX/XX/XXXX, the trustee located in XXXX, Al., XXXX XXXX XXXX, started making payments to XXXX. On XX/XX/XXXX, the final payment was made. I paid the principle amount for {$2100.00} and {$230.00} in interest. I 've filed several complaints with Transunion, only to hear they completed their investigation, and everything on my Transunion credit report was correct. In other words, Transunion probably contacted XXXX and they believed the lies and false documentation XXXX provided. Had Transunion done a thorough investigation like they should have, they would have seen I 've been making payments since XX/XX/XXXX. Bankruptcy is public record. All Transunion had to do was pull a copy of the bankruptcy. The case number is located on my Transunion credit report. The XXXX account was closed on XX/XX/XXXX, according to Transunion. Why was the account closed 4 years before it was paid off with interest? Does Transunion just believe whatever companies tell them? Why do I have a delinquent and derogatory mark against my credit report. The last complaint I filed with Transunion about this issue, I was told not to file " frivolous '' reports again. I 've filed complaints with every federal agency against XXXX XXXX. They would never respond to the requests. I spoke with a lady named, XXXX, in the XXXX bankruptcy department. Was nothing but a waste of time. However, had Transunion done their job, I would not have gone thru this for about 2 years. I really do n't want to hear how you have so many complaints, it 's hard to keep up. You affect people 's lives by not providing accurate information. I 've been thru XXXX awful divorces, which has caused my credit to suffer enough. This bankruptcy is finally completely paid off, around {$56000.00} worth. The case number is XXXX. The name is XXXX XXXX XXXX. The case was filed in XXXX, Al. Another question, after you look at my bankruptcy case, and I 'm sure you will do it this time around, why is the XXXX account, the only account still on my credit report? All of the other accounts included in the bankruptcy have been removed. XXXX more quick issues. First, the Transunion report has me employed at XXXX. I 'm XXXX years old and have never worked at XXXX. Second, someone has reported fraud towards the Transunion report. I did not report this. I 've tried calling Transunion customer service. Not sure which country Transunion uses for these jobs, but I cant understand them.

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 02/14/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: I have my loan through XXXX XXXX XXXX. I am military and in the process of relocating in the process some how there was a mix up and the auto payment did not go through for XX/XX/ they did not notify me of this issue until recently. I have since been in the process of buying a new home and they have incorrectly placed a late payment and reported to the credit bureaus for XXXX as well. So now that I am trying to close on my home I have 2 late mortgages reporting on my credit report which is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry, I checked my personal credit report, which I acquired from your organization on XXXX XXXX, 2017, Report Number XXXX, and I noticed unauthorized inquiries had been made. 
I contacted ALL inquiry sources, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

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 03/25/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a formal complaint against Nationstar Mortgage. My loan is under the Making Home Affordable Modification Program. On XX/XX/XXXX, I received my monthly statement ( Exhibit A ) with an important message : " Congratulations! You have earned {$9800.00} in Pay for Performance incentives. Per the Making Home Affordable Modification Program guidelines, this amount has been applied to your mortgage loan as principal payment. '' That message is attached to my monthly mortgage statement every month until XX/XX/XXXX ( Exhibit B ) after which they transferred my loan to another lender. 
I have contacted Nationstar Mortgage multiple times and spoke with an agent and they all promise me that they will apply the incentive but was never done. They promise me that they will follow-up, but no return call. I called them again, but they intentionally hang up on me after being transferred to another line. After that, I received a letter that my loan had been transferred to another servicer XXXX ( Exhibit C ) and to a new lending company XXXX XXXX-1 ( Exhibit D ). 
Attached is the Detailed Transaction History ( Exhibit E ) from Nationstar Mortgage LLC, which shows nothing was applied as principal payment for the year XX/XX/XXXX. I also attached XX/XX/XXXX Form XXXX ( Exhibit F ) which reflected the principal payment applied to my loan due to my monthly mortgage payments only. 
My biggest concern is that the amount I am entitled to with regards to what I earned as Pay for Performance incentive was not applied to my loan as principal payment. I also demand that if they transferred me to another lender that the same amount be applied as reduction to my loan principal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with RS Clark and Associates, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have explicitly ask them ( RS Clark & Associates ) several times not to call my number and they continue to call after about a week hiatus. The last three times were XXXX/XXXX/16 at XXXX ; XXXX/XXXX/16, XXXX/XXXX/16. They continue to say they will but turn around and continue to harass my number with their calls. They have called before now and I have asked them not to call my number. They try to verify who I am although I refuse to give them any information as to who number they are calling. I do not know who they are and the fact they continue to harass calling my number every week or so is beyond relentless and tiresome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: The state of California file a hold order on my account there was only XXXX in there and bank charged me a {$120.00} fee which is crazy that there charging without full disclosure when I opened the account.

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