milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted my mortgage company on XX/XX/XXXX regarding what options I had to apply for Home Assistance programs to assist me in resolving my back payments. The back payments were a result of being XXXX. I expressed all of this to the agent I spoke with and she offered to send me a package that needed to be returned by XX/XX/XXXX. On XX/XX/XXXX. I received a letter from PHH Mortgage and my " case manager '', XXXX XXXX, still expressing an interest in helping me. On the same day, I received a letter from a foreclosure Attorney stating my home if being put up for a Trustee Sale on XX/XX/XXXX. I called PHH today, XX/XX/XXXX, and was told that I can not stop the foreclosure unless I pay the past amounts and that the package is no good. How can this be if the paperwork clearly states that I have until XX/XX/XXXX to turn it in??? This is another example of Mortgage companies lying to customers and to avoid helping them and ruining their lives

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XX/XX/XXXX, both my husband and I received offers on our American Express XXXX card accounts to earn bonus Starpoints by adding authorized users ( AUs ) to our cards. The offer stated that for each AU who spent at least {$1000.00} in 3 months, we would earn XXXX Starpoints, up to a maximum of XXXX points ( 4 AUs ). 

We both took advantage of the offer, added the AUs, and each of them spent at least {$1000.00} in well under 3 months. However, it 's now late XX/XX/XXXX, and we still have not received all of the Starpoints -- we each received only XXXX ( the bonus for one AU ), so we 're missing XXXX points each. As Starpoints are a very valuable points " currency, '' and not easy to earn, XXXX Starpoints is a pretty big deal. 

We 've contacted Amex multiple times about this, and even though Amex has confirmed ( multiple times ) that we did indeed earn the bonus points, they 've been stringing us along for MONTHS without posting the points. One customer service rep even tried to tell me that the offer was for just ONE authorized user and XXXX bonus points, but fortunately I had saved screen shots of the offer, which clearly says " up to XXXX points/4 authorized users. '' I also saved a conversation ( live chat ) that my husband had with Amex, in which they assured him that he HAD earned the points and that they would soon be posted. That was about two months ago : -/ Now we 've been told that Amex will " open an investigation '' -- which could take up to TWELVE WEEKS! -- into why the points have n't posted, which is just ridiculous : Amex OWNS the points, so all they have to do is post them to our accounts. 

We have a vacation planned for late XX/XX/XXXX/early XX/XX/XXXX, and I 'd love to be able to use the points to book our stays at XXXX hotels, but I ca n't commit to the hotel stays without the extra points we earned. I have even requested that XXXX intervene on our behalf to get Amex to release the points, although I 'm not sure that 's something they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Debt collection (I do not know) with GMA Investments, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is repeatedly harassing me with phone calls about a bogus debt. I get multiple threatening voicemails claiming they 'll involve the law. When you call they refuse to let you speak to a supervisor and say they 're unable to mail you validation of the debt. They are a scam and need to be dealt with! Any real debt owed would be reflected on my credit report, so I know they 're a scam.

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 07/19/2016 about Bank account or service (Savings account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I received a sizeable check from the XXXX XXXX XXXX as part of a negotiated settlement to repurchase our vehicle ( lemon law ) on XXXX XXXX, 2016. I went to my local BBVA Compass Bank at XXXX XXXX XXXX XXXX XXXX, FL at approximately XXXX on XXXX XXXX to deposit the check and was informed by the teller that the Bank was placing a 5 day hold on the amount. They were kind enough to make only {$200.00} immediately available.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had XXXX Chase XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with Chase XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice from Credit Protection Association in regards to a debt. I set up a payment plan and also mailed the equipment back to XXXX, originator of the debt back in XXXX of this year. Credit Protection Association is reporting to the three credit bureaus for the amount of the equipment, but  this was already returned and I spoke to a representative about this as well. We set up a payment arrangement for 3 weeks in the amount of XXXX. The first payment was taken out of my account and I was assured this would not be reported to the bureaus. Well it comes to find out, they never continued with the payment plan ( I never received a call so I figured its been taken care of ), reported to the three credit bureaus anyways and also the wrong amount as well. Why did n't anyone bother to contact me

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 03/30/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have done multiple requests with XXXX Mortgage to consider giving some help in my HELOC loan # XXXX and after fulfilling all requirements I have been denied XXXX They are now trying to add my XXXX mortgage to my XXXX XXXX to deny me some kind of help

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with PNC Bank N.A. (NC).
Issue: Credit card protection / Debt protection

Complaint: On Thursday, XXXX XXXX at approximately XXXX, I attempted to purchase a laptop computer as a XXXX gift for my husband through XXXX. The original price of the computer was {$790.00}, however the doorbuster deal was {$540.00}. I submitted my credit card information, twice, within 3 minutes and XXXX times were declined. Assuming this was an issue with XXXX ( due to traffic volume ), the option to pay through XXXX was also available. I submitted my credit information through XXXX and it was accepted. I received an email ( attached ) stating the payment was accepted and XXXX would contact me soon to confirm processing. 
Within 1-2 hours, I received an automated call from PNC for loss prevention, checking on the charges. The first XXXX charges were noted as " declined, '' which I accepted ( because they were ) and the third charge, through XXXX, was noted as " approved, '' which I also accepted. I did not receive any other calls or emails throughout the holiday weekend regarding the purchase. 
On Monday, XXXX XXXX, I attempted to contact XXXX XXXX regarding the order, with no luck. 
Wednesday, XXXX XXXX, I chose to further the investigating. XXXX Customer Service confirmed that PNC DECLINED the purchase on Thursday, XXXX XXXX, therefore my order was never processed and I would not be receiving the discounted computer. 
After speaking with multiple PNC Customer Service Reps on Wednesday, XXXX XXXX ( XXXX of them basic reps, XXXX of them Retail Escalation, XXXX of them a manager and still waiting on a return call from the direct supervisor of the manager ), the conclusion ( and these words came directly from the manager ) was that " After you approved the payment through the automated system on XXXX, it was your responsibility to go back in and submit the payment, AGAIN. " When has this ever happened?? I have never experienced a situation with a credit card that the purchase needed to be submitted AGAIN after an automated system. I told the Retail Escalation Manager that they prevented me from making a purchase on a sale item and I have now lost out on a savings of {$250.00}. What would be the point for me to keep a credit card with their company if I could n't use it on large purchases ( OF ONLY {$500.00} )? 

I am requesting compensation from PNC Bank, in the amount in which I have lost out on the deal ( {$250.00} ). Someone on their end completely messed up and they are refusing to take responsibility for their actions. An apology is not enough. I am a very loyal customer, have been with PNC for almost 10 years now, always pay off the credit card and although I so much appreciate the prevention of fraudulent activity, it has completely screwed me. They neglected to inform me that the last transaction through XXXX was never submitted and to me, this is completely unacceptable.

Company response to consumer: Closed
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: This complaint is about a checking account in Suntrust bank ... ... On XXXX/XXXX/2017 I deposited a personal check from my brother in law for the amount of {$1200.00}. 
{$510.00} of that money was available in my account on Tue XXXX/XXXX/2017 morning. So I registered my car in the state ( I just moved from another state ) paid {$250.00}, paid my water bill {$65.00}, made a purchase of {$31.00}, so when I went to check the balance in my checking account around XXXX because I was in the process of insuring my vehicle, my account was overdrawn for {$370.00}. The bank put a hold on the {$1200.00} deposit until XXXX/XXXX/2017 I 've called numerous of times I even went to talk to XXXX, GA XXXX. branch manager an no one can do anything. The check I deposited already cleared my brother in law 's account, he gave me the name and phone number from a representative of XXXX Bank ( bank where the check is drawn from ) so a representative can call her so she can corroborate the funds were already cleared. I 've tried to have someone from Suntrust call XXXX and my message never gets forwarded. All I get is " your deposit is being held and it will be available on XXXX/XXXX/2017 '' it looks like the bank refuses to help. Oh before I forget I do not have a dime on me.

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 02-02-2017 about Debt collection (Federal student loan) with GC Services Limited Partnership (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection Agency : GC Services Limited Partnership XXXX, XXXX, TN XXXX BACKGROUND : For the past decade I have been harassed by collectors for an alleged student loan debt, a small XXXX, that was paid back by my parents in XX/XX/XXXX-XX/XX/XXXX as a graduation present. ( I graduated from XXXX in XX/XX/XXXX ). 

XXXX did n't contact me until almost XXXX years later. claiming I owed this debt. Naturally NO ONE has their banking and financial records from that long ago! Which of course, is why this scam is so insidious. 

And by then, my mother, who always handled the family finances, was suffering from XXXX XXXX. 

This latest collection agency I responded to immediately, as I always do, reiterating I DO NOT OWE THIS DEBT. 

They sent me back a collection notice, to which they attached a FAKE PAYMENT RECORD, which allegedly shows I made one payment of {$26.00} in XX/XX/XXXX 

Fortunately, I still have the same bank ; and they have just mailed me the proof that no such payment was ever made by me to the Dept. of Ed. or anyone else. 

It is SO UNFAIR AND OUTRAGEOUS that almost XXXX decades after the fact " someone '' can just " decide '' I owe a debt that I ( or anyone else! ) can no longer prove was paid! This would not be allowed in any other kind of debt. 

But fraudulently creating a document in order to " show '' something that never happened is really just too much. I will fax you the proof from XXXX that I never made any such payment on this debt I DO NOT OWE! 

I am securing a legal aid lawyer to stop this bogus debt collection once and for all. When I complained to the CFPB about this bogus debt in XX/XX/XXXX, you passed it on to the Department of Ed ombudsman, who did nothing except send me a copy of my loan application, which of course, PROVES NOTHING ABOUT WHAT WAS PAID BACK AFTER THE LOAN WAS TAKEN OUT!! 

But I would like some action, some censure, SOMETHING against this debt collection agency who is making up false financial statements!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I saw a collection account on my credit from Stellar Recovery. It sates that it is for utilities and not who it is with. I do n't owe any utilities. I sent a validation request to Stellar Recovery and they are not responding to me at all. it has been three months and they still are not responding, but they are still reporting this on my credit. I was never notified by them that this debt even exists or that they were going to put anything on my credit or what my rights are. Stellar Recovery is in violation of the Fair Debt Collection Practice Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Auto debt) with Westlake Services, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I never bought a car from the dealer that financed it using Westlake financial car was never registered to my name It never even was reported to motor vehicle saying that I owned it the dealership stole the money directly from the bank and kept it I only found out that in my credit report I tried to contact the dealer they closed down so I contacted Westlake myself and they told me that someone has the money they lend out I told them I never took the car at all registered it or insured it the dealer himself took the money using my personal information they claim I owe them {$14000.00} for a XXXX XXXX XXXX car that I never owned my personal records will show that I never owned this car or anything related to it

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (FL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Amazing I receive a " report '' from Lexis Nexis implying I requested a copy. Their opening states " We were unable to locate your file with the information provided? '' Strange since they attached a number of reports. The FACT is they provided a report to XXXX XXXX XXXX which I distinctly advised the XXXX XXXX NOT to Process! That unsolicited of XXXX resulted in a rejection based on XXXX XXXX data- even stranger. So just what is it they can not comprehend? 1- I never solicited anything 2- They themselves state they need more information- 3- So why did they provide anything to XXXX- 4- why ca n't they locate us when the reports they submitted to use show driving data. 5- Evidently they can not or could not access our credit files so why would XXXX reject us outright?

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with XXXX and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name : https : XXXX Thank you in advance for helping me get these removed from my credit report.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Moved to  XXXX  for work. In  XXXX  I noticed my RV payment was not taken out of my acct. Called PNC Bank. Said the payment went back in  XXXX . No payment since. So they let me catch up payments,  XXXX  . And back on payments. Been pulling payments out since then. Put on my credit that acct is closed and wrote off. Credit went down   XXXX   pts. Had our mail transferred to daughters house. No letters, emails or phone calls to let us know there was a problem. Just would like my credit fixed as we have never been late in 10 yrs. please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (IN).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Im a veteran of the united states XXXX and when i departed from the XXXX I left $ in the credit union. I had 2 accounts. I thought maybe it would draw interest. Well when i tried to access it no info found I even had a loan through them and they got me in trouble I lost my SECURITY clearance and was sent to detention. Extra duty they took my money 4 45days and took all i had. This was navy federal credit union. Then in XX/XX/XXXX or XX/XX/XXXX I opened another account to access my old account they took my taxes and cancelled the account access and closed my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling repeatedly from different numbers & when calling back the recording does not identify who the company is or what their purpose is. The debt they are trying to collect is more than I owed the company XXXX XXXX XXXX XXXX. I waited until the contract ended and paid the last bill, but XXXX had been giving me charges that were not comparable to other customers. They would not reason with me when charges were not owed. I feel that I paid XXXX more than what was provided as a service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with Receivables Management Partners, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract with RMP. I have asked for validation from this company and have not received one that answers the questions that I have asked. They have only sent me letterhead documents that say that I owe a debt. I have disputed all RMP accounts with all 3 credit bureaus that have shown up on my credit and the credit bureaus continue to state that RMP has validated the information but has not sent me anything that validates that the debt that they are reporting is mine. The credit bureaus have deleted most of the accounts that this company has placed on my credit report because they were unable to verify the accounts and provide me with the information that I requested. I am asking for validation of the account with signed Hipaa document that releases any medical records to this company and a copy of any medical records that this company states that they have. I have requested in writing via certified mail for the following information and still have not received anything I have contacted the following credit bureau ( XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed. I received a response from better business bureau stating that this request has been deleted on XX/XX/2018 but it has not and is still being reported as valid account.

Company response to consumer: Closed with explanation