milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter Warfield calls all day or night about multiple people who do not live in this apartment, i have told them multiple times they do not live here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing this complaint against BANK OF AMERICA , N.A . ( hereinafter BOA ) for continually violating the Homeowner bill of rights statute. On XXXX XXXX, 2015 a letter was sent from someone by the name of XXXX XXXX ( XXXX XXXX ). I have a point of contact established pursuant to the statute CCP 2923.7 by the name of XXXX XXXX. I have requested information from my point of contact with no response from XXXX XXXX. I have delivered a letter via XXXX certified mail article number XXXX dated XXXX XXXX, 2015 to XXXX XXXX 's supervisor XXXX XXXX that was received and signed for on XXXX XXXX, 2015. 

There has been another letter dated XXXX XXXX, 2015 sent from XXXX XXXX making more unlawful and illegal threats to me. XXXX XXXX is not my point of contact according to the statute. I have requested XXXX XXXX supervisor XXXX XXXX to be my point of contact accordingly to statute CCP 2923.7 ( d ). I have attempted to call XXXX XXXX on more than one occasion leaving detailed voicemails on her voicemail. There has been no call back from XXXX XXXX or XXXX XXXX to present date. I have uploaded a declaration in support of this complaint. XXXX XXXX and BOA are proving an act to commit deceit, fraud, and concealment of an issue of material fact. Further BOA has sent a letter making a false statement by alleging BOA is satisfying the due diligence statute CCP 2423.5. I have uploaded this document from BOA to prove the false statements BOA is alleging so they can attempt to foreclose on my house they have no rights too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report on XX/XX/18, I noticed late payments reported on my loan with XXXX XXXX. The lates reported correspond to the passing of Hurricane Maria wich affected the island of Puerto Rico during the months these lates were reported. Access to banking services where impossilbe for everyone since the island suffered from a major hurricane disaster and there was no way to obtain access to banking accounts and all our systems collapsed. These lates reporting are affecting me adversely since I am in the process of purchasing a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2016 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NCB has called twice trying to collect a debt belonging to a man from what sounded like his XXXX (? ) account. I was told the name ( mine ) attached to the phone number they 've been calling does not match the name they are trying to reach, nor does my address ... yet they keep calling. I was forwarded to a supervisor who assured me NCB would not be calling again. All calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To Whom it  May C oncern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.        XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   All B anks  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX  General Clothing Stores   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   TBA Stores ,  Tire Dealers    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg. Agencies    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX   SOC SE C  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 10/23/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: To whom it may concern, Portfolio Recovery Associates are attempting to collect a debt that was sold to them from the original company, XXXX XXXX. Portfolio Recovery Associates are not licensed to operate/collect in the state in which I reside. Two of my accounts have been sold to them from XXXX XXXX. One in the amount of {$1400.00} and another in the amount of {$1600.00} both sold to Portfolio on or around XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with NCB MANAGEMENT SERVICES INC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Consumer Loan (Installment loan) with Upstart Holdings, Inc. (FL).
Issue: Managing the loan or lease

Complaint: UPSTART STILL WILL NOT UPDATE CREDIT BUREAU THAT THIS ACCOUNT IS PAID OFF IN FULL WITH XXXX BALANCE AND ZERO PAYMENT DUE PER MONTH. 

I AM CLOSING ON A MORTGAGE LOAN ON XX/XX/2015 AND MUST BE PAID OFF OR A LOSE EARNEST MONEY. 

BUREAUS SAID THAT UPSTART CAN MANUALLY UPDATE BUREAUS REFLECTING PAID OFF STATUS WITHIN THEIR CREDIT DEPT EASILY RATHER THAN WAIT THE AUTOMATIC MONTHLY FEATURE. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Using a debit or ATM card

Complaint: My Brother passed away XXXX XXXX XXXX. I turned in his bank card to First Merit Bank Monday XXXX XXXX XXXX so that no one would be able to use it. I provided his death certificate with my ID. I was told when the account sat inactive for a period of time the funds would be released. It is XXXX XXXX and I receive a bank statement every month showing a {$1.00} fee being charged for the bank they have. The account has activity by First Merit for a card they have in their posession, the account will not ever sit inactive with them doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2018 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Emergency XXXX of us in danger. 
# Current lender is not related in those problem.But owning home through people are taken benefits through us. 
My family own home which is in XXXX and XXXX of us in US are kind of like hostages on both side. My husband is only person of responsible for our mortgage payment. Evil Main diagram is if he lose job or lack of mortgage payment, divorce, medical problem or anything else may trouble of both of property in US and XXXX. Legally or illegally people attached both of us will benefit to draw out automatically if their system is fail. 
In XXXX, property has being holding by authority since XXXX. It is holding 9 years by now. In USA, I got a letter from XXXX XXXX that foreign asset controlled property under my husband name. Please contact me if FTC need further more info. People have taken accomplished their education, some of the people are getting job or already working using me. Those people distress me, ruined my name in XXXX and US. Those all problem come from hate people who was created their cell phone was stolen by me since XXXX. Their group of people mortgage lenders and associate agencies are still actively created this evil things done. They helped people and supported who need edu, immigration status got through from bridges of our both house. Even sec8 and 2 b room housing program were taken without my consent.Then both of us can be eliminated. Please help us. They made all agencies to participate that their clients need got through from us. Save us our lives. May be immidiately filing law suit. There would be safe of us both of us live in two countries.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted multiple complaints against Specialized Loan Services, LLC ( SLS ). My account has been grossly mismanaged since they assumed responsibility for servicing it. I am told one moment my account is current and then I receive past due notifications. I have spoken with multiple people at SLS over the course of over 2 1/2 years and today again ( XX/XX/XXXX ) spoke with multiple SLS representatives and was told different scenarios about my account ... I 'm current, I 'm past due, they need to do more research. I was told on XX/XX/XXXX by XXXX in SLS 's Executive Branch that my 'missing funds ' were found and a letter was mailed to me on XX/XX/XXXX explaining everything and verifying my account is current. However, to date, I have not received any such letter but continue to receive weekly past due notices. I have paid {$520.00} toward extra principle and never have those funds been acknowledged or applied to my account. SLS is not transparent in the handling of my mortgage payments. In addition, due to their mishandling of my account, my credit report has been affected negatively. This has been going on for over 2 1/2 years and I need SLS to be transparent and be held accountable for what they are doing ( or NOT doing in this case ).

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 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I submitted a formal written request directly to XXXX in a " special '' account handling department. XXXX requested that I fax her a request to place the security freeze on my credit report and advised she would process it and issue confirmation and disclosure of system generated PIN. I faxed that over 2 weeks ago. I received a notice dated XXXX XXXX, 2015 with an explanation on how to set up a security freeze. Experian has verification of identity, address for the last two years, social security number. XXXX has this documentation. I have provided this documentation over XXXX times. This is ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transfer union reinserted previously deleted information. 
There was glitch in their system that violated the rights of consumer under section 6,11.As a result, I have been affected and my score is suffering.no notice was given.I am requesting all inquires be removed

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  XXXX   XXXX ,  2017 I f iled a complaint against your company to remove FALSELY reported accounts from my credit report.     On  XXXX   XXXX ,  2017 I filed  a follow up complaint because you too more than 30 days to perform a validation and provide a method of verification. You have failed to do so in the interim and are in violation of the settlement reach by the lawsuit filed against your company by the Attorney General.     I demand that the below files be removed from my credit report immediately.    1.  Chapter  XXXX  Bankruptcy  2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.    XXXX   XXXX   XXXX   XXXX   XXXX   5.    XXXX    XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX .     I have attached the settlement.

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 12/18/2015 about Debt collection (Auto) with BB&T CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone used my information to obtain a loan on a vehicle that I have never owned. and it is showing up on my credit after notifying the company that my stolen identity was used to obtain this loan no 0ne would ever respond this is after getting a police report and notarized id theft affidavit as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with TD BANK US HOLDING COMPANY (VA).
Issue: Late fee

Complaint: Recently, Target replaced my existing credit cards with new cards. Upon receipt of the new cards, I registered them in accordance with Target 's instructions. When I attempted to use the referenced card at our local Target, it was rejected. 

I contacted Target and was informed that my account was " Past-Due ''. I travel frequently, unable to receive mail, and must manage my Target Account online. According to the Target Website, my account was always current and " Auto-Pay '' was active. 

I called " XXXX '' at Target and she updated my Target Online Account, which now shows XXXX " Late-Payment-Fees '' of {$27.00} and {$37.00} on XXXX XXXX and XXXX XXXX XXXX, respectively. 

As I never received a paper bill and the Target Website always showed that my account was current and " Auto-Pay '' active, I dispute the " Late-Payment-Fees '' reflected on the attached printout and request that they be credited to my Target Account. I have always dealt with Target in Good-Faith and request that Target do the same. 

Your assistance in this matter is appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Advertising and marketing

Complaint: American Express, via their web site for customers, offers valuable rebates programs for various merchants. My wife and I have a household account with AMEX, with my card the primary, and her card the secondary. My wife has been consistently going to the web site, being presented with offers for merchant discounts and rebates, which she registers for and then specifically shops at those merchants. The registration shows the primary accounts as " registered '', as this is always how the AMEX site presents the XXXX cards - balances, miles, etc. are always shown under the primary account, with subtotals for the XXXX individual account numbers. As things turn out, for this marketing program, and it appears this only, the secondary account does not gain any of the benefits. This is very unclear and inconsistent with the managing of the cards historically. My wife has now spent money on items expecting the rebates/discounts, in most casts on items she would not of otherwise purchased. I believe this is a misleading and deceptive marketing campaign by AMEX - especially since we pay for both cards, the web site normally aggregates under the primary number, but for this one program, they treat the secondary card as worthless. At this point, not only do I feel we should be credited the expected discount, but I feel a refund for the purchases are due as we were enticed to spend on things we would not of otherwise chosen. I absolutely believe we are victims of a UDAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I wish to report fraudulent activity committed by Bank Of America. In XX/XX/XXXX I received a FHA loan and financed my home through Country Wide Home Loans. In XX/XX/XXXX I refinanced my loan through Countrywide which lowered my interest rated from 6.95 % to 5.75 %. Countywide went out of business and my Mortgage was sold to Bank of America onXX/XX/XXXX. It was still a FHA loan and maintained the same interest rate. In XX/XX/XXXX I filed Bankruptcy and only added two late house payments. I continued to make my regular payments XXXX to BOA until XXXX/XXXX/XXXX during which time my payments went from XXXX-XXXX. XX/XX/XXXX BOA sold my loan to XXXX XXXX Loans with the same interest rate but unknown to me it was Transferred from a FHA loan to a Conventional loan. On XX/XX/XXXX my Bankruptcy ended and on XX/XX/XXXX I filed for a Harp Loan. I was contacted by Harp Loans and informed that in XX/XX/XXXX when BOA sold my loan to XXXX XXXX Loans they fraudently reported to FHA that my house had been forclosed on and collected money from FHA and XXXX XXXX loans for my home. I currently reside in my home, it has never been in forclosure, and I continue to make my payments to XXXX XXXX Loans and they are up to date and current.

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 01-06-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called SPS on XXXX/XXXX/XXXX at around XXXX spoke with XXXX asked him whats the status and he told me that they have received a complete Request for Mortgage Assistance packet and its under review. 

Im just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act

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