milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from CMI. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I am a minor. Years ago, I signed up for a gym membership, without knowing all my options. The Gym is called XXXX XXXX. I quickly realized that I did not need a full year contract. After using the gym for no more than XXXX months, I proceeded to cancel it. Being given different information by different reps over at XXXX XXXX, they prolonged the process, telling e to wait months. And each month came and they would give me another excuse. They asked for proof of me being a minor and then told me that it was n't enough. After months of a wild goose chase, I called my parent 's credit card company. They told me to not worry about it. I told them about the whole situation and how saw that others on the internet have also complained. They stop the charges and filed a complaint with the XXXX. We never heard about my membership since. All the online reviews seem to point toward exploitation of minors. 
Now, within the last few days, First Credit Service have been nonstop calling my parents about this. Due to my parent 's XXXX, the rep asked for " authorization '' to speak to me, the minor. I called them and asked about it. The numbers do n't add up to my original plan. They stated that it was for XXXX months. This added up to XXXX dollars. I told them information about which they seem to have no idea about the situation. They say that I need to file a dispute about a balance that I thought stopped. They asked me questions about my family. It seemed like they were just trying to collect information. They seem to exploit fears I told them about thing becoming litigious. Also, a bad credit score. I 'm turning XXXX. And they told me that they were on my side. " call me a friend, '' they said. That 's when I realize how similar it was to a cliche scene of good cop, bad cop. It was a very manipulative conversation. Although they said stuff, a lot of stuff sounded open ended. They also told me that my dispute will take months and that it was not likely to go through. I asked about how it was going to be investigated. They told me that they will decide and I was baffled. It 's like saying that the procedure is for me to say what happened, then they say what happened, and then they decide who is right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: I deposited a check in the amount of {$5000.00} XXXX dollars to my US Suntrust account on XXXX XXXX 2016. The check is scheduled to clear by XXXX XXXX 2016 at most according to the banks fraud protection/funds verification section. This is fine. On XXXX XXXX 2016 Suntrust debited my {$1200.00} for the conversion rate and did NOT credit my account the {$5000.00}. in addition to debiting my account they charged me an overdraft fee of {$36.00} which was only an overdraft because of the {$1200.00} they debited without crediting the {$5000.00}. Supervisor XXXX at ph : XXXX stated that there is nothing she can do to credit the account the {$1200.00} until the {$5000.00} clears nor can she pre-clear the {$5000.00} to compensate for their debit and she does not understand why this happened. I have no liquid assets available, this is an atrocity and theft. Supervisor XXXX also stated that she can not

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 07/22/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Closing/Cancelling account

Complaint: I had XXXX chase credit cards, I 've had them over a year and have always paid more than the minimum due and have never missed a payment. My cards were stolen or lost and fraudulent charges were on my statement. Chase was very helpful to return the funds from those transaction but they never changed the credit card number so the cards were charged again by the same vendors multiple times. Finally someone in their fraud department realized what was going on and changed my credit card number. But now Chase has canceled my cards stating that I have too many fraudulent changes from the same vendors even though it was their internal error! I called and they can not give me the number of the department that makes these decisions and their is no appeal process. I was to apply for a new credit card but that would mean carrying additional debt and a hard inquiry to my credit report. Chase has severely hurt my credit report since I now have closed accounts with balances and my debt to credit ratio has sky rocketed because of their own error.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TransUnion reported false information resulting in my being denied a loan. I contacted TransUnion and received their investigation results with the fraudulent account still on my Report and in Collection. 
Also, I do not appreciate that I have to register online my personal information to retrieve their reporting on me as my identity was stolen and reported by them to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Payday loan debt) with Allied Collection Services, Inc. (Nevada) (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I entered into an online payday loan agreement with tribal lender XXXX XXXX XXXX XXXX in XXXX. I was never able to access or sent loan documents after signing. After realizing this lender is not authorized to lend in my state ( IOWA ), because they do not have a physical presence here ( and because of the extreme interest rates ) ; I closed the checking account associated with the loan, sent a notice of account revocation to this lender and informed them that according to the laws of Iowa, I was under no obligation to pay this back, as they knew they were lending to me illegally and were not authorized my state. They attempted to collect for a short time, emailed me to say they would be adding a {$250.00} fee to the next auto debit ( on a {$700.00} loan ). I continued to receive email from a " XXXX '' at a XXXXXXXXXXXX address attempting to collect. I replied back that I would like proof they are authorized to lend in the state of Iowa ( and legally allowed to collect on the debt ) -- to which they provided me none. <P/>I have not heard from this particular lender XXXX XXXX XXXX XXXX since XXXX when they initially were attempting to collect ; though now it appears they 've hired an outside collection agency ( Allied Collection Services - XXXX XXXX, NV ) in attempt to get funds, because they know they legally can not collect on them. I have n't had any communication with this Allied Collection Services ( no debt validations - nothing by mail, no voice messages identifying ) until I noticed a collection flag on my credit report -- and called to dispute it -- - ( they hung up on me once I mentioned the debt was invalid to collect on, that I would not be paying, and would be reporting it ). They refuse to remove the flag on my credit report ( which I 've also disputed with XXXX who has also failed to remove the flag ). <P/>Additionally, I 'm certain they have shared my private information with outside agencies in effort to harass and bully me into payment. My private information is being used to apply for loans online, and I 'm receiving recent email notifications about applying/being approved for loans with other lenders when I have n't applied for any online payday loan since XXXX. <P/>I filed a complaint with my state 's Attorney General 's office, and was advised by their investigators to file a complaint here, as well. <P/>Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX http : //www.acsnv.com/ # XXXX XXXX XXXX ( Tribal Lender ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (GA).
Issue: Trouble during payment process

Complaint: We fell a little behind last year from a financial hardship, we applied for a loan modification with 360 Mortgage ( servicer of our VA loan ), as we were in the process we were impacted by Hurricane Irma and placed into a forbearance to offer relief. 

After the forbearance ( most other mortgage servicers assisted with disaster modifications by placing the payments in the loan ) but 360 Mortgage did not but forced us to apply as a normal loan modification application. 

My initial application was sent in on XX/XX/XXXX ( it takes 360 mortgage 7 to 10 days to receive and review a document and let you know if it is all they need or to send something else in ) other servicers like XXXX XXXX do this within 24 hours. So then I followed up and on XX/XX/XXXX the requested more documents and I sent in 30 additional pages. Then I followed up and on XX/XX/XXXX I sent in 14 more pages and though surely this be a complete package so my application can go to underwriting and they can place the foreclosure on hold to not violate the dua tracking restriction. 

I kept following up and on XX/XX/XXXX they need more so I send in 45 additional pages thinking this has to be it since what they claimed was above what was asked for before. 

I follow up and on XX/XX/XXXX they need more which they did not ask for before so I send in 45 more pages 360 Mortgage is making the application process so strenuous with the intent of denying me the opportunity of having a complete package so per the CFPB guidelines my sale can be placed on hold while the review is conducted. 

I also received a debt validation letter from the foreclosure attorney on XX/XX/XXXX despite the fact there was already a foreclosure sale date set. I filed a dispute but to no avail as the attorney says their client ( 360 mortgage ) will not agree to stop the sale even though they are in the wrong. 
My VA representative and loan technicians supervisor stated they requested a post ponement from 360 mortgage but they refused to do it. 

This is a violation of many regulations and also violating the Fair Housing Act by refusing to accept and discriminating against my VA military XXXX as valid income even though I provided a valid VA XXXX award letter and 2 months bank statements showing the deposit into the bank. 

360 mortgage is doing nothing more than a bank does when they don't want to approve a mortgage, they just keep making up more and more requirements so it is impossible to get approved. 

My wife and I are XXXX US military veterans whose only income is from XXXX and have served this country. We would appreciate help by having this sale post poned so we can be reviewed for loss mitigation options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage hit a 10 year anniversary that applied principle to a $ XXXX dollar loan that jumped my payments an additional {$3500.00} a month, now $ XXXX per month. In an effort to refi, my home has lost XXXX in value making impossible to refinance. I turned to Nationstar for a loan modification and was told that I was rejected not for be accepted to do the loan modification, they said the new loan would have a higher monthly payment. They will not disclose what the new loan would be or why they would not reduce the loan. If the original loan was re-applied, i could make the payments. We are doing everything in our power not to miss a payment, even draining our saving account. We are out of time. Nationstar will not work with me, the person that they assigned is just a document fetcher, no help at all. The call center just says, you where rejected and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Medical) with Aargon Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was injury at work XXXX XXXX this bill was to be paid by the state of Florida Division of Risk Management. I have gave the company all the information on this case and they still keep holding me accountable for it. This the information that I have gave to them for this bill they need.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: AES has  XXXX  accounts on my  XXXX  and  XXXX  reports that are over the seven year period.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my property in 2007 for {$330000.00}. Last year I had the property appraised at {$360000.00}. I have paid down my mortgage and now have a balance of approximately {$200000.00}. I have submitted at least six requests to my lender to cancel the PMI and they continue to indicate I have not paid down my mortgage to the required XXXX % LTV ratio. I need assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This morning when reviewing my XXXX checking account, I noticed XXXX ACH transactions that appear to have been attributed to Capital One that debited my account in the amount of {$100.00} and {$570.00}. As my Autopay had already occurred for my Capital One credit card the day previously, I anticipated there was an issue. 

At XXXX EST I contacted Capital One 's customer service number and entered my account information, Even before I explained my situation I was directed to the Fraud Protection unit. When I inquired as to why I was directed to Fraud even before I explained the issue, the representative indicated that my account was " flagged '' because I changed my email address. I indicated that I did not change my email address and in fact, as I was online viewing my Capital One credit card account, and the email address was accurate. The representative then said " well then It must have been flagged by mistake ''. I found that " odd ''. 
Nonetheless I asked representative to advise if there were any " online payments '' being credited to my credit card account dated XXXX/XXXX/17 that would have occurred " in error '' in the amount of {$100.00} and {$570.00}. I articulated that I have XXXX ACH debit transactions that were appearing on my XXXX checking account that were attributed to " Capital One online payment ''. I offered several times to provide a screen shot or transaction ids. Her response was " well since I ca n't see these transactions on the account I ca n't help you ''. I indicated that I felt she was remiss in her follow up to my concern and I indicated that I was well aware of the electronic funds transfer act and its provisons. I further indicated that while I will in fact call XXXX to start an investigation, I also indicated that I was " deeply disappointed '' that she would not take a fraud report and investigate further as it is rather clear someone is committing fraud using Capital One brand. 

The long and short of this letter is that I do n't think it is " coincidental '' that fraudulent transactions would be coming through my account branded with " Capital One '' if I was not an accountholder, I do n't think they would pick " Capital One ' out of thin air. Further, I also do not find it coincidental that when I called into Capital One customer support I was directed to Fraud even before indicating an issue due to an " email change ''. I just do n't think this representative could be bothered to " connect the dots ''. 

I am submitting this complaint as I am deeply concerned that this situation is not a " one time '' issue and is fact part of a larger data breach that has occurred and I want to ensure this situation is investigated with some degree of rigor. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I began making payments on my {$44000.00} student loan balance in XX/XX/XXXX. I made 5 monthly payments of {$450.00}. Then, I asked FedLoan if I could be placed on a graduated repayment plan. I was told NOT to make my monthly payments while they worked to put me on the graduated repayment plan. It took them 7 MONTHS to put me on the repayment plan. During the time that I FedLoan took to transfer me to the new plan, my interest was capitalized twice - adding {$1500.00} onto the principal of my loan. This wiped out ALL progress I had made with the 5 previous loan payments, bringing my new loan balance to {$44000.00} on XX/XX/XXXX. This is fraudulent. 

Also, I called FedLoan on multiple occasions, speaking to different representatives, who all gave me different information during the repayment plan process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: We purchased a home that was being built. We took a loan from US Bank for the full amount of the construction but the lien was placed against our commercial dental office building instead of the new home. When the construction was completed we paid off the bulk of the loan with proceeds from the home we sold and then took a mortgage out on the balance from another bank. The loan was paid off in full on XXXX XXXX, 2015. Since that time, we have been trying to get US Bank to release the lien on our property. They keep assuring us that the release documents have been sent to our county recorders office. To date, the recorders office has not received anything from US Bank. In fact, the recorders office states that US Bank has placed XXXX liens on the property, both for the full amount of the original loan, which was {$500000.00}. US Bank says that the recorders office gave them inaccurate information which resulted in the second lien, but the recorders office denies it. Regardless of that, it now appears as if we have liens totaling {$1000000.00} against our office building which is paid for in full. Our numerous efforts to resolve this issue with US Bank have been without results. We have contacted the mortgage department, which is in a different state, and been informed that the release department will take care of this matter and be in touch with us immediately, but nothing has been done, nor have they contacted us as promised. They refuse to let us talk to anyone in the release department, or any sort of supervisor, saying that they do not accept calls. We have contacted the local bank branch, the loan officer, our commercial banker, and our personal banker and none of them will respond except to say that they are " looking into it ''. Due to the problems that have arisen from this we have moved all of our banking, both business and personal to another bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Citicards Cbna Reported XX/XX/2010 0 % Balance : {$0.00} / {$5400.00} Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$5400.00} Minimum monthly payment {$0.00}

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