milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of my credit report on  XXXX   XXXX ,  2017  and notice Ally Financial were listed a agency that sold the debt to a collection as stated on the report and I am not responsible for this debt

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 06/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from XXXX XXXX XXXX to Nationstar mortgage XX/XX/XXXX. I signed up for the online payment system. The withdraw was suppose to be {$1200.00} to be taken out on XX/XX/XXXX. On XXXX XXXX Nationstar withdrew {$2400.00} from my account, with no permission to withdraw that amount. In my subsequent attempts to get Nationstar to return the money that they were not entitled to, I have been getting the run around. I have been told on several ocassions that my money would be returned within 24 hours. I have yet to receive my money. Today is XX/XX/2015. The withdraw took place on XX/XX/2015. I am in danger of being overdrawn on my bills when the other bills that I pay out the this account are posted. 

I would like to have my money returned to me and to have Nationstar mortgage to never withdraw money from my account ever again. 

My name is XXXX XXXX address is XXXX XXXX. XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Other service issues

Complaint: I use PayPal to send virtual currency to friends and family, as well as purchase items from internet shopping sites. But last year PayPal limited my account for some violation of the Terms of Service that I was unaware of and immediately placed my money on hold ( About {$400.00} ) I have sent several nice emails to them to possibly request the early release of my funds but they do n't respond. I have also called and am almost immediately " transferred '' but every time the connection gets lost during that transfer process. So a friend advised me to file a complaint through this website about PayPal holding onto my money for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$110.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, XXXX XXXX XXXX, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the national XXXX. 

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 01-05-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a realtor representing my client and I have been trying since XXXX to initate in equator. They have even told me that I would be able to initiate in equator. We went through a modification in XXXX and the client does not want to do it. He wants to proceed with a short sale. Every time I call no one can ever do anything and you have to talk to management to be able to get you in the system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Consumer Loan (Vehicle loan) with Phillips & Cohen Associates, Ltd. (NJ).
Issue: Problems when you are unable to pay

Complaint: I had a vehicle that was repossessed, for failure to make payments as agreed. 
The vehicle was sold by the bank ; but not for the amount in which they were expecting. 
So, they expect me to pay the difference. Now keep in mind the vehicle was taken from me so I feel that all legal obligation to repay the difference is not my responsibility. 
I have a collection company that is hounding me to pay the difference. 
I feel that this is not fair to me, and I refuse to pay the cost.

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 12-07-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX, 2013 bought TV at Best Buy - salesman offered Best Buy card. Told him did n't want credit card - he said only {$25.00} a month. Also bought a few small priced items, all of which no longer work. Recently BB charged me XXXX of dollars of interest on bill which was previously at {$2000.00}. Payment changed to {$75.00}, and now, they added hundreds of $ $ more in this month, payment charged to {$90.00}. Contacted by email first, said it was my understanding only {$25.00} and I was clear could n't afford more. They said pay them {$440.00} right away and they might " adjust ''. Went on live chat, said I do n't have it, and I can only afford $ XXXX/month. Best Buy rep then startled me by saying reason : I had n't paid Any payments on time. This is false. I pay ALL my bills, on time, and always have which my credit history shows. I asked him to email me the credit reports, reporting me late ( and how could I make other purchases ). Asked him 3 times, refused to answer, then said I should contact dept deals with XXXX and I would have to prove it?! I repeated request for his evidence and again gave email - Best Buy wo n't answer up. I am desperate for help because they are going to continue to add XXXX of dollars of interest each month and keep escalating month payment demands. I think they 're charging something close to 30 %. The TV I bought is now sold for about {$200.00}. The other small items might amount to {$300.00} in total. They have now escalated bill to {$3000.00} and continue to make it impossible. They are going to ruin my credit as there is no way I can pay these amounts which I question as legal. They have NOT reported to the credit bureaus in the last 2 years - not surprising since I never miss a payment or pay late. I am a senior citizen, recovering from surgery, and my wife is also a senior citizen, XXXX. I am totally willing to pay what I promised, and what was promised to me by Best Buy salesman - $ XXXX/month and with a balance capped at the original {$2000.00}. I feel like Best Buy is fraudulently duping senior citizens and not sure if this is even legal. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other service problem

Complaint: I have been trying to complete the ID verification process at Coinbase Inc for the past two days. Their system indicates that customers will experience slow response times. There is only one way to upload and ID for verification via the app and no other option. My funds are being held hostage as I can not execute a sale until they verify my driving license. Very poor experience - I was also on hold for over an hour. Likely a similar experience for many others.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with DISCOVER BANK (MA).
Issue: Billing disputes

Complaint: Discover Credit Card Servicing has prevented me from accessing my account information online and everywhere else. I submitted a fraud claim after my card was compromised while I was hospitalized for a chronic illness and they have taken no action towards providing a proper resolution and crediting my account. I have reached out to the Executive office and continue contact with Discover agents who said that an investigation was being conducted. I received a letter in the mail stating that the investigation was concluded and that I was not liable for the fraudulent transactions, but to this date I have no access to my account information nor has my account being credited for the unauthorized charges. XXXX and XXXX from supervision has done a very poor job to follow up and address my concerns. XXXX continue to ask in my call how she can help me, after I explain the situation several times, but provided no response when I stated that I receive a letter stating that I was not liable for the transactions, she instead kept saying that she would note in my account the information I provided. The issues have been extended for almost three months. The balance in my account should be {$XXXX} if the investigation is conducted with propriety as I have not been in possession of my card. Discover has not sent a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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 10/13/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Delinquent account

Complaint: Chase credit card services contacted my place of work, thus jeopardizing my employment. I did not give my employers number nor the written consent to contact me at my workplace. I asked them to stop immediately as this is a form of harassment. They have also contacted me repeatedly at my mobile and work mobile phone during my working hours, at inconvenient times.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Nothing has happened, but Equifax was irresponsible with my data.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter stating that I owed XXXX money and they were attempting to collect it. I contacted XXXX and they do n't know this company and I do n't owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with AmeriCollect (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX XX/XX/XXXX. Prior to my XXXX I met the family deductible and paid my outstanding deductible in full to XXXX Hospital. Approximately 3-4 months after my XXXX I received a letter from Americollect stating my account with XXXX was past due and they were trying to collect. I explained that this was a surprise since I never received a statement from XXXX since I had my XXXX. Nor did they call us to try and reach out. We were n't expecting any statements from XXXX since I was paid in full for the year. The hospital apparently misapplied a payment that we made in XX/XX/XXXX to my wife 's account instead of mine. She was already paid in full with deductible met so it created a very large credit. They never called to tell her this and it never showed up on her statements. It was n't until XX/XX/XXXX that we discovered this credit. XXXX has been taking from that credit and applying to each bill of hers for XX/XX/XXXX. XXXX never sent us statements because there were no payments due. She should be paying on her account as normal meanwhile my account is sent to collections because of their misapplication of funds. XXXX and Americollect will not help us get this resolved. I immediately filed a dispute letter XX/XX/XXXX when I was first notified by registered mail. My letter quoted the law stating they were no longer allowed to collect this debt from me since it was paid. They ignored the letter and continued calling. The last call they indicated that they would work with XXXX to get this straightened out. It was about 4-6 weeks later and I received a notice that my credit report now has collection on it which ruins my credit score. They gave us no notice this was done. They broke the law by disregarding the instructions in the dispute letter and need to be held accountable. They did n't give us proper information to even try and validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX previously stated that they reported the account as closed but my credit report shows as of today XXXX XXXX the account is reporting as open. They are providing false information and not cooperating with the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my house using a conventional loan in XXXX XXXX and decided to refinance it with XXXX XXXX bank. The broker at the time offered me an adjustable loan with the options of paying the minimal, interest only, or the full amount ; however, during our discussion he was less than transparent when I accepted the adjustable loan and did not inform me of the consequences of just paying the minimal, interest-only or the full amount when making my mortgage payment : to my dismay, {$1000.00} was attached to my principal balance each month when I paid anything accept the full amount with an interest rate of 8.75 percent. 
To my shock and disbelief, I was devastated to find this out! My mortgage loan went from {$240.00} and accumulated to {$260.00}. That was an increase of {$20000.00} dollars attached to my principal balance, better known as negative amortization. In XXXX at the beginning of the recession XXXX XXXX sold my loan to IndyMac. I applied for a loan modification and worked with IndyMac for more than a year to modify my loan to a more affordable rate. However, IndyMac consistently delayed the process over and over again stating that I did not file the necessary documents in spite of me sending them the same documents they requested over and over again. Eventually, I just gave up trying. 
Subsequently, I tried to short-sale my home and IndyMac also denied a short-sale. While losing my job IndyMac still refuse to work with me in granting a solution to enable me to keep my home. I also tried XXXX XXXX, and all other advocates to help me keep my home to no avail. 
Because my home is not under XXXX or XXXX XXXX, no financial institution was willing to work with me to refinance my mortgage. Therefore, the only option that is left will eventually lead to foreclosure of my home that I lived in for over 11 years. As a veteran, who served his country for XXXX years, I am simply appalled how these financial institutions " thank me for my service '' by using unethical and predatory lending practices to cheat and fill their pockets of veterans ( and citizens ) with hope that the borrower will foreclose on his/her property to collect the insurance benefits and resell the home at market value to increase their profits XXXX folds.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am a New York State resident. I refinanced my home mortgage with USAA Federal Savings Bank, signed XXXX/XXXX/XXXX. The monthly payment, included PMI ( {$79.00} per month ). As the appraisal value reported before the signing, was valued at {$290000.00}. As of XXXX/XXXX/XXXX, the outstanding loan mortgage was {$230000.00}, as I have made extra dollar toward the principal reduction each month since XXXX/XXXX/XXXX with no obligation and penalty. 

As I called and tried to reach out USAA-Mortgage Dept since XX/XX/XXXX, requesting my PMI to be cancelled or to be removed, and I did not get any immediate answer, until I received a letter by a regular mail that, is requesting a new appraisal value as of today ( it must be current ), and I must pay the appraisal expense directly to USAA. ( USAA was outsourced to a third party company called, XXXX/phone # : XXXX, for managing the loans and the payments on behalf of USAA. ) Since XX/XX/XXXX to XX/XX/XXXX, my request has gone undetermined, even I have a good payment record, and I met the requirements ; current payment, no late payment, current escrow payment ( no obligation on the extra dollar amount toward principal reduction each month ). I checked the New York Department of Financial Services 's web, and researched more in detail related to the PMI and the cancellation, and other requirements. The New York Department of Financial Services guided that it did not require a current appraisal report in order for PMI cancellation, and it must follow the appraisal reports used on XXXX/XXXX/XXXX. 

I had explained and tried to provide the sources to the managers ( third party Co ), related to the NYS-Dept of Financial Services, and all managers refused to listen and ignored to follow the NYSDFS 's guidelines, and verbally over the phone that regardless the current balance is below the 80 % threshold. I tried to reach out HQ-USAA, and I was unable to speak to someone that could help me at this point. As of today, I am still paying the PMI, as part of my monthly mortgage payment since XX/XX/XXXX. 

Please advise, should I continue to make the PMI payment every month to USAA until the expiration date of XXXX/XXXX/XXXX even the current principal is below the 80 % threshold? If I requested my PMI to be terminated by XXXX/XXXX/XXXX, and I was informed by USAA-a third party Co that, they still need a new and current appraisal report. In addition, the automatic PMI termination date is on XXXX/XXXX/XXXX with no requirement for an appraisal report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have 2 cards with XXXX XXXX XXXX and Stein Mart. The XXXX card limit was a XXXX and the Steinmart Credit card limit was XXXX. I never missed a payment nor was I late. I have since paid the cards off in full. Synchrony Financial lowered both of my card limits to XXXX. In addition, I did not give them permission to check my credit whether its a soft pull or hardpull. I received a letter 2 weeks later notifying me of the credit decrease which XXXX XXXX  has pull my credit without my knowledge. This is unacceptable when someone is doing their best and making the payments on time. This is deceitful to the customer

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 01-09-2017 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Late fee

Complaint: I have been a XXXX card owner for many years. The amount is high, and have been paying $ XXXX XXXX each month. In XXXX, XXXX, I inadverntly paid another XXXX 2 X and thought I 'd paid XXXX. Statement of XXXX, showed {$37.00} overdue. XXXX, I paid {$40.00}. XXXX, XXXX, demanding {$120.00}. A call from them was received. I went through this with XXXX several years ago. After I read that your agency settled with them over too much interest, my gas card had {$200.00} credit on it. I feel the same old thing is going on with XXXX. I do not use the card now because of what I owe on the bill. I had been paying regularly until the XXXX incident.

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