milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Debt collection (I do not know) with Blitt and Gaines, P.C. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, I received a letter from Blitt & Gaines regarding a debt. The debt was in the amount of {$14000.00} and from XXXX XXXX. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX XXXX XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to XXXX XXXX dated XXXX XXXX, XXXX, and a copy of a court document dated XXXX/XXXX/XXXX stating that the default amount of the debt from XXXX was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with XXXX XXXX. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (UT).
Issue: Account opening, closing, or management

Complaint: I received an offer to open a Citibank gold checking account with a promotion code to receive XXXX miles after meeting certain criteria. 
After opening the account I received an email stating that my request to open this checking account had been approved. I inquired to verify and the promotion was confirmed and I initiated opening funds for the account. 
After I thought I had completed the requirements, I chatted ( see attached print out of chat ) to confirm I had done so, at which time I was made aware there was one more requirement I needed to complete. I asked how long I had and was given the date. 
Again, I completed this requirement within the date given to me by the agent over chat ( see attached ) and I chatted again to verify completion. The Agent confirmed " I see that you have successfully met the requirements ''. I asked how long it would take for the bonus to post and he said " in the next statement cycle ''. 
After the statement cycle when the bonus did n't post, I called and confirmed and that I had met all of the requirements of the promotion. The Agent said they would file an investigation. Weeks went by and I did n't hear back so I called again. This Agent said the investigation had been concluded and I had been sent notification ( that I never received ) stating I did n't qualify and there was no promotion attached to the account, which was very confusing and frustrating to me since as you can see from the attached chat conversations that the promotion and my having met the requirements had been verified on several occasions. They asked me some questions and said they would file another investigation. 
I just received another letter ( see attached ) saying that " there was no promotion offered with your account ''. This is a direct contradiction to the information I received from several customer service agents stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. 
If at any time I was not eligible for this program or it was not connected to my account, I should have been advised of this on any of the occasions I inquired specifically about this promotion. This is deceitful and fraudulent on Citi banks part, all the while billing me {$30.00} in monthly fees to maintain this account while they try to deny me this promotion that clearly was the enticement to open this account in the first place.

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 01/27/2018 about Debt collection (Medical debt) with NCSPLUS INCORPORATED (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NCSPlus Incorporated - This collection agency is representing XXXX XXXX, who we do not have a written or signed agreement with to provide any form of service. We asked XXXX XXXX to provide us with documentation of a written commitment to their company for the money owed and received nothing. Now ... this collection agency continued reporting to credit bureau and are ruining my credit score, which we completely dispute as fraudulent charges. The company should make sure charges are valid with the companies they work for before they try to collect on them, 2 ridiculous charges are in my credit score ruining like collection : 1.XXXX  XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX 2. XXXX XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX No one in my family performed a XXXX or something else to charge me the ridiculous amount of XXXX XXXX dollars, anyway I always have a medical insurance on XXXX by XXXX XXXX XXXX and I have proofs, this collector agency has a record of fraud charges with no valid proofs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I have multiple letters from SunTrust that are deceitful, misrepresenting my submissions to them, misleading as to the mortgage modification process, and a violation of FDCPA collection laws and the XXXX. I have detailed the letters and actions in the accompanying letter as attached.

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 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Discover credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Collection Systems, Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX XXXX  and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX and the hit to my credit was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Identity theft / Fraud / Embezzlement

Complaint: The item below has not been verified as mines therefore it has to be removed from my XXXX and XXXX credit report. 

Show less Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$3300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$3300.00} written off. {$3300.00} past due as of XX/XX/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 10/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have been trying to arrange an income based repayment plan since XXXX of this year yet nothing is processed. I continue to get delinquency letters, my interest is piling up, when I call I talk to different people who see that I have applied but no action has been taken. My last contact indicated that I should wait about 3 weeks for a bill to arrive for {$5.00} which I should pay, then my program will start. Nothing is arriving except multiple delinquency notices. I tried to set up direct debit so I could make automatic payments and a notice arrived that the entire past due payment will be taken out of my account! I had to go to my bank to set up an alert so the payment will not be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with MORGAN STANLEY & CO. LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage was sold from Saxon Mortgage to XXXX in XX/XX/2012. 
Prior to the Sale, my Mortgage Balance was {$200000.00} with Saxon Mortgage, but after the Sale to XXXX, my new Mortgage Balance was {$240000.00} ; hence a fee of {$40000.00} was added ( i dont know why ), which i have had to pay down over the last XXXX years to the current {$210000.00} with 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 12/22/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: Reference : XXXX Complaint against Chase Bank Credit Card services. 
My complain is against the XXXX procedures. All your announcements indicate you are totally dedicated to support and protect the public. In my case number listed above that was not the case and proved that the BCFP was in league with the Chase Bank against me. 
I made a complaint against Chase Bank. Details are provided in my complaint. My complaint was passed to the Chase bank who responded. I was sent the response and made a rebutall that had significant information to contradict the Bank statement. In the meantime the XXXX stated the case was closed and my rebutall could not be forwarded to the Chase Bank. That is not in the interest of the public ( Complaintant ) but protects the Chase Bank. This process needs to be changed. I also ask for a review of how my case was handled by BCFP staff. My rebutall needs to be sent to Chase Bank. Basically deducted {$79.00} per year since XX/XX/2004 for a total of about {$1000.00}. without my aithoroty to make that deduction. My rebutall tells why Chase Bank is at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: We have a Citi XXXX XXXX credit card and we received an email saying there was a message in our secure message center on citi.com. Upon logging in and reading it, Citi took it upon themselves to close our credit card account WITHOUT notifying us they were doing so. They said that " in our customers best interests, we do not notify them that we close their accounts ''. This is unacceptable. No other credit card company that we do business with does anything like this without notifying us first so that we can take the proper actions to prevent it. I tried to resolve this via their secure message center but they said that they can not reopen the account. These are predatory and unfair business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified Consultant is a 3rd party collection company for XXXX. This company has been trying to collect debt for over 5 years. This debt has been removed and added to my credit report for years. I have requested the collection company and credits Bureaus for contract with signature and company has failed to do so in numerous times of requesting. I do not want a front of one page falsified statement from them which that have done. My credit report states opened in 2016? I have have XXXX since 2014. The company has not responded to my request and again this has been for years. Thank you for your help. Here is information:DIVERSIFIED CONSULTANT473679XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXXor XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Ever since XXXX they have hit my credit DAILY as a new creditor, causing my credit score to disintegrate after I have told them repeatedly this is not only an INVALID debt, but that I want proof of my debt to them or any client of theirs. I have sent TWO letters ( tghe 3rd will be sent XX/XX/2018 ) demanding they show me proof of my debt and they have blatantly ignored my request, yet post DAILY to my credit report as I habe gotten notificiations from XXXX, XXXX   XXXX, XXXX XXXX, XXXX, and XXXX DAILY. This tactic is not only demoralizing but downright wrong since I habe asked they prove debt, which they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (FHA mortgage) with WESTERN UNION COMPANY, THE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a reimbursement check from PayMap. The envelope that contained the check was stuck between other documents. Yesterday, XX/XX/XXXX, I found the envelope and the check. However, the check says that it is to be voided after XX/XX/XXXX. I contacted the number reflected in the paperwork, XXXX and was told that they could not assist and directed me to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to secure a loan modification with Nationstar Mortgage for several years now. I was the trustee to my mothers estate when we began working with Nationstar after my mother 's passing Nationstar has refused to speak with me as they do not acknowledge that I am the sole person in charge of her Estate I have forwarded all documents to prove who I am, this has caused major problems and I am now in danger of foreclosure. I am including a letter I sent to Nationstar. XXXX XXXX, 2016 To : Nationstar Mortgage LLC XXXX XXXX Director, CEO XXXX XXXX XXXX President, CEO XXXX XXXX XXXX , CRS XXXX XXXX XXXX , SPOC XXXX XXXX , SPOC XXXX XXXX XXXX XXXX XXXX XXXX , Supervisor Loan Modification Department XXXX . XXXX XXXX, XXXX, Tx. XXXX Re : Loan # XXXX -XXXX XXXX XXXX - Your reply to my XXXX Complaint and your abusive non performance. 
" In the Estate of XXXX '' XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : We received a reply to the XXXX appeal that we filed from XXXX XXXX XXXX at Nationstar Mortgage XXXX XXXX, XXXX, TX - phone number XXXX dated XXXX XXXX, 2016. 
XXXX XXXX stated that we could contact him with questions regarding proceeding with our loan modification request and suspension of the scheduled illegal foreclosure of my home. The decline letter dated XXXX XXXX, 2016 has a number of decline reasons that are incorrect. It seems that our file information may have been mixed up with another file at Nationstar. We HAVE BEEN SAYING THIS FOR GOING ON THREE MONTHS NOW AND NO ONE WILL TALK TO US. 
I called XXXX XXXX today and got the message that HE IS NO LONGER WITH NATIONSTAR AND TO CALL XXXX. I called that number and it answered " XXXX HOSPITAL ''! 
I am not being treated with " good faith '', " professionalism '' at this time and I protest! 
Please IMMEDIATELY STOP BLOCKING my communication with your staff so that I may have a problem solving conversation to approve my loan modification with a Vice President who understands your policy and will not be fired. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have disputed a transaction from XXXX XXXX in the amount of {$320.00}. I did not authorize them to take this from my account. I have gotten my money back for this same type of problem that usaa put back from a business taking it out when I didn't give them permission to. But nobody from usaa will help me get my money back. And i keep getting told different stories from different people at usaa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (MO).
Issue: Bankruptcy

Complaint: Fifth 3RD Bank is reporting an derogatory or adverse credit item to all of the credit reporting agencies ( XXXX, XXXX, and XXXX ). This credit item was listed and discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. See attached filing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Mortgage company reported to the XXXX major credit bureaus - XXXX, XXXX and XXXX XXXX, that I had a delinquency/late payment in XXXX 2013. I am including a copy of THEIR own payment history to prove that I paid the mortgage payment timely. This needs to be corrected with all XXXX credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: all medical bills were paid in XXXX by medicaid and medicare company keep changing account number to get it back on credit report and puts the open date to hide that they are reposing back on credit report as XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hello, My issue is best described by XXXX out of the XXXX above, XXXX XXXX from Alliant Capital Management ( doc id XXXX ). XXXX XXXX called my sister who stated that she was not me- He then proceeded to disclose the debt, plus threaten legal action if I did not return the call. He then located me at work- When he id him self I said I can not have calls at work do not call here. I called him on the phone and explained that I was having medical problems to which he replied that he understood and did n't want to cause anymore problems take the weekend and think about the options. Still no VOD has been sent to my mailing address. Today, I checked my work voicemail and there was a very lengthy message from XXXX XXXX, said he was going to sue me and send someone up to my job to give me papers. He then said all of the calls have been recorded and that he would move forward by end of business if I refused to call him back. I was not even at work Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (I do not know) with Nelson Cruz & Associates LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A person by the name of XXXX XXXX, contacted my place of business informing the Office Manager that he is filing a complaint against me, but addressed me with my former married name, which I have not used since my divorce became final eight years ago. He informed the Office Manager that he is going to garnish my wages. The Office Manager asked this person from what company was he calling from, and he stated he was calling from Nelson Cruz and Associates. The Office Manager then referred this person to our HR Department. However, I have never heard of this company, nor do I have any outstanding debt or loan. I believe this company obtained enough information about me to scam and fraudulently attempt to collect money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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