milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have collection account that are still showing on my Experian report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and Experian has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like Experian to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( XXXX XXXX in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the BBB against Experian and XXXX XXXX for violation of FCRA.

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 06/13/2017 about Debt collection (Auto debt) with TRANSWORLD SYSTEMS INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have gone online to pay a parking ticket which was the amount of {$160.00}, paid with credit card on  XXXX   XXXX ,  2017 . Payment went through and since I was unable to print the confirmation page I have taken screenshots of the confirmation page and the printer friendly version of the page for documentation.   XXXX  Today is  XXXX   XXXX ,  2017 . I have received a notification from  Transworld Systems Inc. stating that the unpaid amount of {$160.00} have been carried over to their Debt Collection department. I have called Transworld Systems, but was left with me badly recorded machine that was incomprehensible or at leas t seem to not have given me the option to call for a complaint. On the back of the letter provided a website for transworld payments and website for  FTC ( Federal Trade Commission )  in which I had looked up for it 's contact information and called Headquarters. There a machine came on and guided me to call another number to resolve this issue and was lead here to write this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing and requesting validation of a debt I do not owe for nearly 4 months now and EXPERIAN has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EXPERIAN wants to play by their own rules. The item on my credit report XXXX acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the XXXX place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notification on X/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with 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 explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On or XX/XX/2015, I returned a " required '' ACH consent for a loan repayment, my loan was purchased by BSI Financial from XXXX XXXX. I have NOT chosen to do business with this company, I have filed a complaint once already for this company for not applying payment correctly. 
I am again getting statements that I am delinquent on my XX/XX/XXXX payment, which should have started via ACH for the XX/XX/XXXX 's payment. Their statements are showing an incorrect address for the loan. They are showing my personal residence, I have a mortgage with my credit union. This " SLOPPY '' work is what takes advantage of XXXX!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Money transfer, virtual currency, or money service (International money transfer) with Trans-Fast Remittance LLC (CA).
Issue: Other transaction problem

Complaint: I created an account on TransFast ( https : //www.transfast.com ). After spending days verifying my identify and bank information, I sent my first transactions. Within minutes after sending they cancelled my transaction without telling me why, and told me I can no longer use the service. Furthermore, they maintained my banking information, and the recipient banking information on it 's website, without the ability to remove this sensitive information, nor the ability to close the account. 

I want this information removed from their website, and they would not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Making/receiving payments, sending money

Complaint: I schedule my XXXX mother 's bill payments to be " delivered by '' a certain date and her bank, Bank of America/XXXX, bank consistently sends them late, leading her to incur interest charges and fees. It 's not as if it 's a single credit card company that is failing to timely credit the payment on the other end. It happens with all of her cards and the language on the B of A/XXXX bill pay website clearly says, " deliver by '' and asks you to confirm that date twice before sending the payment ; yet, it arrives late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-04-2017 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Describe what happened so we can understand the issue ... 
Santander Bank Mail Code:XXXX XXXX. XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX XXXX XXXX and XXXX XXXX XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX XXXX XXXX from XXXX, XXXX, XXXX XXXX XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

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
Consumer complaint received 09-12-2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Advertising and marketing

Complaint: Applied for XXXX Chase credit card XX/XX/XXXX was approved with a sign on bonus of XXXX each. XX/XX/XXXX lender called to verify types of activities on account. Lender agrees with activities, in XXXX XXXX Chase closed both credit card with the reason of credit card activity is inconsistent with expected activity. Disputed in XXXX XXXX was told to check terms and conditions, Called executive offices today XXXX/XXXX/XXXX was told can not access account and to apply for a new one. 

I would like chase to return all my forfeited points. I believe chase has allowed other customers like me a 30 day window to redeem or transfer points out of chase. Chase has not allowed me to do this. I had lost a total of XXXX Chase Ultimate reward points, this points do not include activity which I had on the account that should have posted had they not closed my chase credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (FHA mortgage) with Statebridge Company (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I changed Homeowner insurance companies in XXXX, 2015. My insurance company ( XXXX ) and I both called the insurance company on a conference call to inform my mortgage company ( Statebridge Company, LLC ) about the change. The person took the information and changed it in the computer as XXXX gave them the updated information. I received a letter in XXXX, 2015 from the previous insurance company stating they received a check, however the policy had been canceled and the check was being returned to Statebridge. Both XXXX and myself have made several calls to Statebridge and XXXX XXXX XXXX. Apparently Statebridge contract out their insurance service to XXXX XXXX XXXX. I called XXXX XXXX XXXX. on Tuesday, XXXX XXXX, 2015 and was told I had to fax over the cancellation later from the previous insurance company. As of today is XXXX XXXX, 2015, I do not have any homeowner 's insurance on my home. I also received a letter from Statebridge on Monday, XXXX XXXX, 2015, stating that Statebridge was going to do force placement insurance on my home. They have all my insurance information, therefore why would they send me a letter stating I do n't have insurance? This entire situation has taken a toll on me and I am very frustrated with the lack of communication between Statebridge Company, LLC and the XXXX XXXX XXXX. company they have contracted to send out their insurance payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Conventional home mortgage) with AMERICAN INTERNET MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX, Aimloan ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ), a XXXX XXXX based mortgage lender, charged {$450.00} to my credit card to initiate the refinance of my house located in North Carolina. the {$450.00} was an appraisal fee. For months I provided every item of documentation that was requested of me, then on XX/XX/XXXX, 3 months into the loan process, I was told by XXXX XXXX, an Aimloan representative, that I would be required to provide replacement cost insurance coverage for the property, in order for the refinance to fund. 
When the refi process was initiated, I did not have replacement cost coverage. Neither XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX have ever required such coverage on either of the older houses I own, which were built XXXX XXXX. I spent hours on the telephone and took time off from work to try to make this refi happen. My insurance agent contacted representatives from several companies, and I completed several applications, only to find that replacement cost insurance on a dwelling built at the turn of the century is so expensive that lenders do not require it. 
In my case, acquiring such insurance would negate the purpose of the refi, which was twofold. It was indicated to XXXX XXXX of Aimloan at the onset of the refi process, that one purpose of the loan was to save money, and the other was to pay off the mortgage for a second house. 
At the onset, of the refi process, I submitted documentation of my current homeowner 's policy. It was at Aimloan 's request that the payee ( policy owner ) on my North Carolina homeowner 's insurance be changed. The updated certificate of insurance was emailed to XXXX XXXX of Aimloan on XX/XX/XXXX. The bottom line is, Aimloan had my policy in their hands at the onset, but nothing was said about the necessity for me to provide replacement cost insurance until much later in the process. An unreasonable request that no other lender has ever required of me. Aimloan neglected to advise me of this requirement up front, which would have been optimal, but they also had the opportunity to advise me before XX/XX/XXXX, before the appraisal ( my appraisal copy was generated XX/XX/XXXX ). 

It was Aimloans duty to disclose their requirement/policy concerning homeowners insurance at the onset of the refinance process. They failed to do so until after they spent the appraisal fee of {$450.00}, which I paid up front. I continue to await a refund. 

If it will be of help, the loan number from one of the many Rate Lock documents generated by Aimloan concerning this matter is : XXXX [ The attached screenshot shows that Aimloan was in possession of my homeowner 's NC homeowner 's policy before XX/XX/XXXX. Item 4 is a request that my husband 's name be added to the policy ].

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Management, L.P. of XXXX, TX XXXX Is attempting to collect {$220.00} on the behalf of XXXX XXXX XXXX when I have not had a XXXX XXXX XXXX account in some 17-18yrs. I check my credit report on a yearly bases and never has such a debt shown up even once. Yet this company is threatening to throw this on my credit reports at a time when credit worthiness is so vastly important to so much we as a society do, home-ownership, purchasing a car, paying for our children 's college education ( in my case ) -even to the point of being hired. The purchasing of debt-old debt in most cases, and illegally re-aging or using as leverage to force those of us desperate to not take the hit to our credit-even temporarily ( for even a XXXXpoint hit for 2-3months-can hurt a person looking to buy a house at that time ) needs to be enforced harder, with bolder penalties. For these are very real lives these companies are toying with. And Credit Management has been caught enough times doing this that they should know better and not be allowed to hide behind the " Ooops! We made a mistake '' excuse, while throwing the affected consumer sideways.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried at least 3 times to get a HARP refinance with lender. Each time they allege they have not received my paperwork. I have faxed, mailed and even scan and uploaded the documents. I believe this is a tactic this company uses to keep these predatory loan. in almost 10 years I have not even paid off {$5000.00} in the principal amount. All I am paying is interest. I need to get a re-structured loan as my income has declined due to health reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: National credit systems never informed me of my right to dispute my debt. I found out I had a collection against me by recently pulling my credit. Our initial contact was XX/XX/2015. I have 30 days to dispute after our initial contact. I sent them certified mail which was signed by XXXX XXXX stating I need validation that they are liscensed to collect a debt in alabama, proof that they own the debt and the debt is mine .They then sent me a letter dated XX/XX/XXXX that only stated I owe XXXX sent by XXXX XXXX. The letter did not break down what I was being charged for nor did they include the original creditors address not did they proof they own the debt. I called them thursday XX/XX/XXXX and spoke with XXXX XXXX to let them know this is not proper form of validation. They then sent me another letter stating I now owe them {$2200.00}. This is false representation of a debt which violates the FDCPA. Attached with the letter was a copy of a lease. On the first page of the lease was a move in/ move out check out list THAT DID NOT HAVE MY SIGNATURE, it was signed by another person. I am being charge for damages to a property when my signature was not even on the move in or check out list.There were XXXX signatures on the last page of the lease that does not look like my signature. I never agreed to these charges. This is not my debt and they are breaking the law by falsely representing a debt as well as deformation of character.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION INTERACTIVE, XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX CA XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo entered a contract with my husband and I to refinance our current mortgage with Wells Fargo ( WF ). We had a cash-out mortgage two years ago and have since paid off half the mortgage ; we wished to refinance the balance with XXXX arm at 3 %. We locked into this agreement with WF on XXXX XXXX with the intent to close early XXXX. After repeated phone calls and emails to XXXX XXXX at WF regarding closing dates with no response I contacted his boss, XXXX XXXX. The next day I received a call XXXX XXXX from XXXX saying the could not do the loan because only a fixed term loan is possibly with a cash-out mortgage. XXXX cited Texas law as the reason why : Section 50 ( a ) ( 6 ) specifically via email. Please note, we were supposed to have closed on this refinancing the week before AND WF credit had reviewed the title report two weeks prior but Wells did nothing. 

The problem is that is a lie and the arm product we had locked in our agreement is completely permissible to use. WF has an internal policy that they do not allow arm products with cash-out mortgages. However, since XXXX and his boss, XXXX, did not do their due diligence they entered into a contract with us and then three months later -when the market had shifted higher - said TX law prohibited it. XXXX later emailed back saying to disregard the first explanation and that it was an internal Wells Fargo policy. 

WF offered us a 30 yr fixed at 3.75 % then adjusted down to 3.65 % with no other concessions. The later admitted they made multiple mistakes and would offer us a XXXX credit on the closing amount. Over a seven year period, Wells Fargo will cost us a minimum of {$13000.00} for the difference between the two mortgage products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief