milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2016 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 a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request CMI that 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company Santander Consumer continues to report a late payment every month for a account the has been closed and charged off since XXXX of 2015. It is  illegal to report a late payment to an account that is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called trans union and ask about my hard inquiries and some of them where wrong and they would not remove them and was rude to me when I asked them to remove them then they wanted me to send out 6 different letters to them saying something about the creditors have to send them a letter when I should n't have to go through all this trouble to take something off my report that I did n't do and wait 2 months to get it done it 's total bs

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 08/20/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Over the past few years, we have had a difficult time paying our Mortgage with Hudson City Bank due to loss of employment. Note : Hudson City does not fall under the US HARP program. During this time, Hudson City would not lower our mortgage interest rate despite numerous attempts to work with them. We also requested help from other financial institutions, but as we were current on our mortgage we could not qualify. Due to this situation, we could not be current on both our taxes and our mortgage. Over the course of a few years, we regained stable employment and our incomes have increased and however, Hudson City rolled our back taxes into our mortgage and rendered the monthly mortgage payment impossible to pay, despite the fact that we can now pay our taxes plus mortgage and a small portion of our back taxes. With new funds now coming in and increased salaries, we can make it work, but not under this new monthly payment. We attempted to send our mortgage payment + taxes into Hudson City, and they refused to accept this payment as they deemed it partial. Our actual mortgage was {$2200.00} our taxes appx {$900.00}, our check was for {$3300.00}. We are desperate for a resolution, be it rolling the back taxes into the final sale of the house, lowering the interest rate of the mortgage, or longer terms ... every time we discuss this with Hudson City Bank, each person states that it is not their department. We can not get to the correct department to find a resolution to this problem. We now will have to spend money seeking legal counsel for a foreclosure lawyer, rather than this bank working with us to assist in a better solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Bank Of America  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX  BOA Case numbers :  XXXX   XXXX   XXXX  Bank of America declined to refund these  XXXX   erroneous cha rges from  XXXX  totaling  XXXX  or {$160.00}.     BOA asked for a copy of the cancellation : I have no copy of a cancellation. No merchandise or service was delivered. The booking still shows up on their website but I have no physical ticket to return.     BOA asked about my attempts at resolution : The transaction was done entirely online so I had no personal contact with anyone from  XXXX  during the booking process. I attempted to cancel the incorrect booking many times beginning the following day,  XXXX   XXXX    XXXX  . ( Within  24 ho urs of their email. ) I called their customer service number for the  XXXX  at  XXXX   XXXX . I do not have all the names of the numerous representatives and supervisors I spoke with throughout the next weeks. ( They offered only first names. ) The response of each person was only to repeat what it says on their website.   Re-booking charge :    XXXX   XXXX    plus fare difference Refund not possible note : I fully understand the policy of non-refundable fares. However what they are offering to deliver is not what I ordered. ( For example, if I ordered a non-returnable refrigerator online - and the merchant bills me for a television - I would not accept it! ) BOA asked me to describe the specific problem : I attempted to purchase from  XXXX   two  one-way airline tickets from  XXXX ,  XXXX  to  XXXX ,  XXXX  for  XXXX   XXXX ,   XXXX  , and because they were less expensive I scrolled to, and chose  XXXX   XXXX ,   XXXX  . Checking their website the following day I found reservations were mistakenly listed for travel on  XXXX / XXXX /  XXXX   (  XXXX  for  XXXX   XXXX ,   XXXX   ).   I called  XXXX  immediately to ask that they correct their error . ( See results above ) Our  international flight from  XXXX ,   XXXX   to  XXXX ,  XXXX  does n't leave until  XXXX   XXXX ,   XXXX  . We will still be here in  XXXX  on the date they have reserved.   Thank you,  XXXX   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 explanation
Consumer complaint received 01-05-2017 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My ex-husband and I took out a second mortgage from Beneficial for {$17000.00}, in XX/XX/XXXX. We then went through a separation in XXXX, and then a divorce. This created a lot of financial hardship for both of us, which led to a Chapt 7 bankruptcy with discharge in XXXX. Since I was still living in the home, I was told I could voluntarily pay the loan back, ( I did n't reaffirm loan ) which I tried to do sporadically until XXXX, when my payment was abruptly returned. The letter accompanying the payment stated that the account had been closed. Since I received no further communication, I assumed the debt had been discharged and I was no longer required to pay it. About 6 months ago, I inquired into refinancing the home, and was told that Beneficial had a lien on the title. I explained about the abrupt payment return, and even showed that the account was reported as closed on my credit report. I was told to contact Beneficial to request a release of lien. After many attempts, I finally reached someone who informed me that Beneficial had sold my loan in XXXX. After a lot of research and unsuccessful phone calls, I was led to a representative from XXXX ( formerly XXXX ), who told me that my account was active and had been accruing interest. She informed me that I now owe {$18000.00}. She told me there was a note in the account not to contact me due to the discharged bankruptcy. So, not only was I not notified of the change of lender, but I was being charged interest on an account I thought was closed! XXXX wants to negotiate a settlement, but they do not hold the lien on my title, it is still listed as Beneficial, in county records, who has already received payment when they sold the loan. I am concerned that if I pay XXXX, They will not have the authority to release the lien, and Beneficial can still have a claim on my house. I do n't know what to do at this point, and legal counsel is very costly. Are you able to point me in the right direction?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received notification on  XXXX / XXXX / XXXX  from  XXXX  Identity Monitoring services that an account had been opened w/ Avant Credit under my SSN and maiden name. I received notification fro m Avant shortly after confirming the credit application had been processed. I promptly contacted Avant Credit and al erted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on  XXXX / XXXX / XXXX . I also contacted the (  XXXX   )  credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from Avant during the period of  XXXX   XXXX   XXXX . I contacted Avant 's compliance department multiple times and provided them with a second copy of the affidavit and police report on  XXXX / XXXX / XXXX  and requested again that they close the account and notify the credit bureaus. I received an email from Avant on  XXXX / XXXX / XXXX  confirming receipt of all documents and stating they would contact  XXXX . I responded on  XXXX / XXXX / XXXX  alerting them to the fact that the delinquent account was shown on my   XXXX   XXXX   XXXX   reports as well and that I expected them to remedy the situation w/ all  XXXX  credit bureaus. I ran my   XXXX   credit report today (  XXXX / XXXX / XXXX  ) and the account is still showing as open and delinquent so I contacted Avant yet again to ask them to close the account on their end and notify   XXXX   as I requested on  XXXX / XXXX / XXXX . Customer s ervice representatives at Avant continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. Avant 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On or around XX/XX/XXXX, I directly disputed collection accounts ( XXXX and XXXX ) with the TransUnion, as the respective collection agencies did not validate the debt pursuant to my request and federal laws. Allegedly, TransUnion conducted an investigation and determined that the accounts were mine. On or around XX/XX/XXXX, I requested that XXXX provide me with the method in which they verified each account. To date, XXXX has not provided me with their method of verification. In fact, TransUnion provided me with a form letter response blatantly disregarding my concerns.

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 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I stopped paying on my mortgage XX/XX/XXXX. I lost my job and had to move for work to another state. The forclosure process began XX/XX/XXXX. Then it was sent to collections in XX/XX/XXXX. The bank dragged its feet and delayed the forclosure sale and the deed transfer was not completed until XX/XX/XXXX. I do not understand how this is possible. As a result of the bank purposefully stalling the forclosure proceedings i have been harmed. As the XX/XX/XXXX date looks like my forclosure occluded, I am not eligible for the FHA mortgage fresh start initiative or other programs due to the '' banks zombie title ". I need help with what my rights with this matter are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Any other name variations or any other addresses on my account should be removed. Experian will not remove these address from my credit profile. I have only bee associated with one other address which is XXXX XXXX XXXX XXXX MD XXXX. Leaving these other random addresses on my account is leaving my credit open to identify theft.

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 04-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We are a HUD approved housing counseling agency and we submitted a loan modification package to Di-Tech Financial LLC on behalf of the client on XXXX XXXX, we were consistently following up with the lender submitting documents that were needed to complete the file. DiTech place a foreclosure sale on XXXX XXXX. On XXXX XXXX I spoke with the SPOC on this file and she confirmed that the last documents were received and there was no sale date. The homeowner then sent us a email on XXXX XXXX stating that her home was sold on XXXX XXXX, I then called back into Ditech spoke with the SPOC and she reconfirmed again yes it was a hold on the sale date, however Ditech went through with the sale and hung up rudely in my face I then called back in to make sure she just did not hang up in my face on purpose and the same SPOC said yes the home was sold and hung up again in my face. I truly understand there is never a guarantee that a modification will be done to help a homeowner, but the homeowner SPOC confirmed not once but twice that there was not a sale on this property and she was very very very rude in her communication. No homeowner deserves that treatment rather they are current or behind. We need this foreclosure to be rescinded.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Mortgage (Home equity loan or line of credit) with Servis One, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was turned over for servicing to BSI about a year and a half ago and have nothing but problems. First I have always been able to pay my mortgage loan using my bank bill pay for overnight processing which I found out BSI does not have so an actual check needs to be sent so now I have to guess at what amount I should pay since I do n't get their statement until after the time when I need to do the bill pay to get it their by the due date. I have also been trying to get information from customer service regarding when the interest only will end as I believe it will be this year. I called a couple of months ago and the customer service agent said that it would have normally ended in XX/XX/XXXX but that these loans have been extended to XX/XX/XXXX now. Last week I received a letter stating that my interest only ends in XX/XX/XXXX and my statement will most likely increase as is will contain both principal and interest and will be shown on my statement. I still have not received my XX/XX/XXXX statement, I have called 3 times to talk to them about what the actual payment will be and what the interest rate will be. They are not able to help me and have left messages each time to ask to speak to my account rep. Seems he is always busy and I leave messages but still no call back. This is the worse loan servicing company and their customer service agents are useless unless you only want someone to answer the call in person. I agree maybe a class action suit would wake them up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Federal student loan servicing) with Delta Management Associates, Inc. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Today, while attempting to work on payment terms w
ith Delta Management Associates regarding my apparently delinquent XXXX XXXX Student Loan acc ount, I simply requested to know the dates which my account would be automatically debited for the agreed upon amount. Delta was only willing to provide the dates via phone not in writing. Furthermore, Delta provided an agreement that listed a due date ; which is not the date we agreed for payments to be drafted from my account. Delta 's unwillingness to provide dates in writing about when they would take money from my account is highly suspicious to me and calls into question the professionalism of their operation. I already have serious doubts about many things Delta discussed with me, but their unwillingness to provide this information, highlights these concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Consumer Loan (Installment loan) with SQUARETWO FINANCIAL CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/XXXX I filed a complaint against CACH LLC XXXX in regards to a debt on home title that was cleared in BK Chapter XXXX Court. They responded that it was going to be submitted in court to be removed. As of XXXX/XXXX/XXXX it remains on title and I will be forced to Foreclosure very soon as the bank is not wanting to wait much longer.

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 05/22/2016 about Debt collection (Medical) with The CMI Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/2016 XXXX XXXX XXXX - XXXX - Hospitalist XXXX XXXX XXXX XXXX, FL XXXX Performed several XXXX test on me, I had XXXX in the XXXX every 5 months or so I 'm to be recheck. 
I 'm medical needed with a share of cost, if the test that this hospital did was XXXX XXXX And paid {$120.00} to hospital why is XXXX & Credit Management , LP ( XXXX ) XXXX trying to collect. 
Credit Management Informed me that if I did n't pay them XXXX dollars a month, they would report this to credit bureaus. 
I informed her that I was XXXX & was living on a fixed income I could pay {$20.00} dollars a month She XXXX hanged the phone up on me, She stated this was my share of cost. 
XXXX XXXX XXXX ) XXXX Told me that I gave them the wrong medicaid number, when I had never spoke to these people until XXXX/XXXX/16 I was told that I would have to contact the collection agency. 
The collection told me that I had to contact the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her lossmitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so  we did file a complaint with the CFPB the sale likely wont be stopped.

Company response to consumer: Closed with explanation