milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: On XX/XX/2015, I filed an dispute with Citi cards CBNA, and advised thatTitle 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information, and the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to XXXX XXXX XXXX, XXXX XXXX, XXXX, Pa XXXX. 

As I am sure Citi are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise your company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of the letter dated XX/XX/2015, I will be forced to assume that Citi were intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi failed to respond in writing, signed by hand, in a timely manner, I would assume that Citi are in error and this matter will be challenged. As Citi further know, the dispute letter has the same effect as a dispute of the accuracy of the alleged debt and their claims. The dispute with Citi was an attempt to collect evidence of their noncompliance in case further action is required. It is was not a statement, election or waiver of status. 

If Citi fail to comply within 15 days, I advised Citi I would file a complaint with the CFPB, as well as the XXXX. I never received any correspondence from Citi as of today XX/XX/2015, and the allotted time for the dispute has expired. I check my XXXX, XXXX and XXXX credit report and Citi tradeline is there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Ocwen for what feels like years in regards to options for foreclosure. I have been forced to file bankruptcy on several occasions and yet Ocwen is continuing to give me the run around and asking for more and more documents every time I get closer to resolution. It 's as if this is all just a game and my homeowner bill of rights are being violated left and right. I have no assigned point of contact and I have a sale coming up with no options.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Ability Recovery Services is at tempting to collect a debt for  XXXX   XXXX . I have never attended  XXXX   XXXX . I have disputed this debt several times with all  XXXX  major credit bureaus and have yet to have anything sent to me verifying this debt. The tot al Amount Ability Recovery is attempting to collect is {$1000.00}. The original date of   delinquency being reported is  XXXX / XXXX / 2014 .

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Federal student loan debt) with National Recoveries, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I dont think its fair for this to show up on my credit report when they get a grant for me attending

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with Performant Financial Corporation (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A lady named XXXX XXXX, working for a company called XXXX contacted my neighbor. My neighbor said she must have just searched for numbers belonging to people in our neighborhood because she did not know her name but asked if she lived in our subdivision which she named and then she asked her if she knew me in the neighborhood. My neighbor said not knowing if it was an emergency she said yes she is my neighbor. At this point XXXX proceeded to tell her she and I were business partners doing business together and that she had n't talked to me in a while and the number she had for me no longer worked. She asked my number if she had my number and when she was not able to get that information she gave her a number for me to contact. I do not know any of my neighbors like that and I only know this ladies name and her mines because we introduced ourselves to XXXX another. This was completely out of line and illegal and I would like to do whatever I can legally to make sure this does not happen ever again. The number she gave my neighbor is XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: During the process of applying for a loan modification I ask if I could make my payments and was told NO that it would mess up the underwriters figures. It took XXXX 1/2 months to receive the first denial answer ( which made me 4 months behind on my payments ). On the second application it took four months to receive a denial answer which made us 9 months behind, Nationstar Mortgage says for us to be re-instated it will take {$13000.00} which includes late monthly payments and legal fees. 
We did get a loan modification from Nationstar Mortgage XX/XX/XXXX and two months into XXXX I XXXX at work and was unable to work. This is when all this started, I sent Nationstar Mortgage letters from my Doctors stating my condition both the XXXX XXXX doctor and the XXXX Doctor stated I was unable to work. I was told by my loan specialist that the Underwriters did not even look at the letters because it did not fit into or with their guidelines. I told Nationstar Mortgage during the last modification that I had paid off both of my car loans and would be able to set it up with my bank to have an automatic withdrawal of {$750.00} or {$800.00} to be taken out for a house payment -- -but this was not good enough for Nationstars ' Underwriters '. 
I was also told that Nationstar Mortgage did their own underwriting and financing and did not receive any money from the Government in XXXX when the Federal Government bailed out a lot of banks, well I just so happen to have gotten a letter from Nationstar Mortgage in which it states and I quote '' you were evaluated for mortgage payment assistance based on the eligibility requirements of XXXX XXXX XXXX XXXX XXXX XXXX, the owner/guarantor/trustee of your mortgage loan. '' I talked to XXXX from Nationstar this afternoon and ask him ask the banking situation and he said he really did n't know anything about it, and this is a man that works in the lost prevention section. 
Also during the two times we tried to get a modification I would get e-mails saying that we needed to send in this or that document, some of which we sent in no less that four times. After sending in the documentation they requested we would get a letter stating that it would take them from15 to 30 days to add those documents to our application and that they would get back in touch with us within 30 days -- -which goes back to what I was saying about making payments. 
It ended up looking like a catch 22 situation, one of which I wish we could get out of. I just want to start making my payments again and be able to stay in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my account on X/XX/17 with a {$200.00} promotion after making 2 DD > {$300.00} within 90 days. I have met the requirements by XXXX. 

I contacted BMO Harris on X/XX/17, which was 140+ days since opening the account, and received a reply the same day stating a bonus would be applied within 10 business days. It has now been 11 business days with no bonus or any further communication.

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 11/26/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I 'm a victim of identity theft and recently called Equifax 's customer service and requested an identity block of negative information on my credit report that was due to identity theft. I requested a supervisor and she told me that " We do n't do that at Equifax, we do n't block information and only the creditor can request that ''. I know this is not true so I am registering a complaint for failure to block information that has been asserted to have resulted from potential identity theft, and for which I have filed a police report and thus complied with the provisions of section 605B. 

I relented and told her that this was a violation but she said the only thing they could do was dispute the items and do an investigation. But I 've disputed around a dozen times and there has been no progress or REAL investigation done. This is the reason I filed the police report in the first place. I have done everything required to fulfill my obligation to request this block, and their refusal is in clear, and willful violation of FCRA 605B. 

To verify what I am saying, I am enclosing a copy of my Identity Theft affadavit filed with the FTC, a copy of the police report, and proof of my identity that I have already sent Equifax. Any support from you would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: 1. My deceased husband 's property that he owned with his parents who are also deceased was foreclosed on XXXX XXXX 2016. According to the court records the foreclosure process was filed on the same date as when the paper work was supposedly served to my deceased husband. However, my husband was never served as he was hospitalized prior to his death during this time frame. 
2. Prior to his death, my husband, and our son tried multiple times to resolve the debt, but were mis-led by the debt collector on how to resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Payday loan () with Midwest Recovery Systems (MD).
Issue: Can't contact lender

Complaint: I have received phone calls at my home and place of business advising me that I was scheduled to be served with a warrant for my arrest with regards to a phantom debt for a payday loan that I did not initiate. In checking my XXXX ( XXXX ) credit reports, the collection agency has notified the credit bureau 's to the phantom payday loan and my credit score has fallen XXXX points. I have notified all three ( XXXX ) credit bureau 's with a dispute request. I took the liberty to research this agency and discovered that other consumers are being charged for the same phantom payday loan. Presently, I am in the process of retaining an attorney to file civil and criminal charges against this business once,

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with Innovis (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I pulled my credit report and noticed that there were some unauthorized inquires on my report. Therefore, I contacted the creditor listed and their response was that they did not actually pull my report, but that another company used their software. They then referred me to another company I have never heard of and I was unable to resolve it with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I XXXX in 2000 from XXXX XXXX XXXX in XXXX Florida. Since then I made payments of more than half of what they were asking. It got to the point that I was made to enroll in a program that was said to help me become current. However now my loan that was originally XXXX is now XXXX and payments are more than anew car payment. And even in 2000 the credits were n't transferable, but we as students were never told this when we applied for financial aid. I have never been able to afford the kind of payments they wanted, and I certainly ca n't afford what they want now. I 'm recently alone with an {$1100.00} mortgage payment. And that is n't even including the other bills. So yes I can say that the student loan payments would be detrimental in me being able to keep my house.

Company response to consumer: Closed
Consumer complaint received 11/26/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Thank you for helping me. Seterus continues to apply my on time/early house payment to principle, then charge me late fees. This is a habitual problem. The XXXX, 2016 house payment I wrote on the check and on the statement " XXXX House Payment ''. Seterus applied my payment XXXX XXXX, 2016 to ... ..you guessed it ... .the principle, again. When Seterus called I I said, " MY BURDEN IS TO PAY ON TIME. SETERUS ' BURDEN IS TO APPLY MY PAYMENT PROPERLY AND ON TIME. '' This is constant and ongoing. They have not reversed and corrected it. They are fining and feeing me to unbelievable proportions. I continue to pay on time and they continue to miss apply my money. My burden has been met. They are charging me fees for I do n't know what because I do n't pay late. They are careless and reckless when applying my mortg payment. Can you help? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with United Debt Holdings, LLC (IN).
Issue: Struggling to pay your loan

Complaint: On XXXX XXXX of XXXX, I took out a payday loan with XXXX XXXX XXXX in XXXX, Indiana. The amount that I borrowed was {$600.00}. The loan was due to be paid on XXXX XXXX, XXXX. On XXXX XXXX, I and my family moved out of the apartment complex we were living in. I forgot to pay the payday loan that was due. I got a phone call from XXXX XXXX XXXX that this money was due. Instead of us going in to pay the loan amount due in person, the company always took the amount out of our bank account. There was not enough money in the bank for them to collect the money for the loan. That is when the problems started between us and XXXX XXXX XXXX. They harassed us about this money due. We did not hear anything from them for a while. I was going to try to take out a payday loan where I live now. When I tried it, they denied me because they said that it showed that I had an open loan out and I could not get the payday loan. I have called XXXX XXXX XXXX to try to get this settled. They gave me the number to their collections department. When I called the collections department, they said that they had sold my account to a collection agency. The person talking to me gave me the number to the collection agency. I called that agency and all I got was the person that I was supposed to talk to their voice mail. I left a message and he or she did not get back to me. I am still trying to get in contact with this company and am not having any luck. Please see what you can do to help me get this matter settled. I recently tried to apply for a payday loan and got the same answer. That there is an open loan out there and I can not get a payday loan because of this problem. Thank you in advance for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had for many years a private student loan with XXXX XXXX XXXX,XXXX. In XXXX 2017 they sold my loan to a company called XXXX XXXX XXXX XXXX, They have a company that handles their payments and collections. That company is XXXX XXXX XXXX, XXXX. They have 2 addresses ; XXXX XXXX XXXX XXXX, XXXX, Wi. XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI. XXXX. E-Mail at XXXX, Web address XXXX XXXX XXXX. Since the sale of my loan I have been receiving a monthly statement that claims that I have a missed or late payment. I do not have a missed or late payment at all, this is a mistake made by XXXX. I have telephoned and e-mailed XXXX every month since they took over my loan trying to straighten this out. XXXX agrees with me that it is a mistake, and I have correspondence from them to back this up, but I am still receiving a late payment statement from them every month plus they are charging me late fee interest on the balance of the loan. I want to file a complaint so that someone can step in and straighten this out for me as it will have a negative effect on my credit score plus they are cheating me out of money in interest and late fees. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i have " bill '' for a stay in jail a noncontractual {$390.00} that due process not done by goverment agency is reported to transunion as a nonpayment of a contractual debt ( collections ). this item was removed XXXX of XXXX and was returned XXXX XXXX. this " bill '' is uncollectable as to Michigan Court ruling reguarding exempting Social Security Benafits from state court juristiction because of this the " creditor '' is using collection agency to black mail me into paying a debt they are not entiled to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my CBR. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: On XXXX XXXX, 2017, My Coinbase account ( under my email : XXXXXXXXXXXX - Case Number # XXXX ) was unsuspectedly suspended. It is most likely due to a faulty chargeback from my bank. Since there is a debit in my account, I have tried depositing the proper funds to unfreeze my account. When I submit to deposit the proper amount of funds - it says the payment was cancelled yet my account says there is {$0.00} of debit I owe. So after, when I found out Coinbase has cancelled transactions with that bank account associated with the chargeback, I tried setting up another payment option, which I have verified through Coinbase. Since it still only says {$0.00} owed my account is still frozen and I can not pay off the original debit of {$700.00}. I have contacted Coinbase support via telephone and they told me my ticket was placed with a department specialist on XXXX XXXX. They have locked me out of my XXXX account so I can not even log-in to see my funds, which I ca n't even see if they are even there. I have heard nothing from Coinbase support since. I either need my my account un-froze so I can transfer funds from my XXXX account to my coinbase account or re-instate my XXXX Checking to deposit the proper funds. If by the time this message is received by Coinbase and I was finally able to deposit the funds owed, then promptly un-freeze my account. Thank you. 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: My vehicle was repossessed and I tried to contact my lender on numerous occasions regarding the procedures and policies to follow ; to no avail. The company never responded to my inquiries nor returned my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I used XXXX charge card to make a purchase of XXXX XXXX membership on XXXX XXXX XXXX. I had an offer " Spend $ 99+, get 5,000 Membership Rewards Points '' and it was attached to the card before the transaction as required by XXXX . However points did not post and I did not receive a confirmation that I used that offer. I contacted XXXX in regards to this issue and they opened a case and started investigating on XXXX XXXX XXXX. I also provided a receipt from XXXX with the description of that transaction for XXXX. It has been more than a month and that case is still pending. It is annoying to keep thinking about those points and transaction. I want XXXX to give me 5000 Membership Rewards Points as they promised and also add 5000 same point as a courtesy for all this disturbance.

Company response to consumer: Closed with non-monetary relief