milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed a particular account with Equifax on several occasions. The final results were always that Equifax has verified the account as accurate. The account in question is listed on my Equifax File as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Ohio XXXX ; Account number XXXX. 
I contacted this particular company via XXXX certified mail requested validation of this account pursuant the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The company failed to respond to my request and I submitted a claim through the Consumer Financial Protection Bureau ( Case # XXXX ) and the CFPB were unable to contact the company to receive validation either ; the contact number listed on my equifax report is invalid and will not work. I received an email from CFPB regarding this company that I filed a claim against and spoke with XXXX who confirmed that the CFPB were unable to contact this collection agency with the number that is listed on my Equifax Credit report ( XXXX ) ; I spoke with her on XXXX/XXXX/2015 at XXXX. 
Being that I was unable to receive validation as I requested and the number listed on my Equifax Report for this company is no longer in service, I would like to know what verification did Equifax receive to determine from their investigation that this account and the information being reported about this account is accurate. I have disputed this information several times with Equifax and each time they determined that this account was verified and validated and it is accurate. Per the Fair credit reporting act and the Fair Debt Collection Practices Act, by law I am entitled to receive validation regarding this debt. Also by law, when Equifax investigate a dispute, they are suppose to receive competent evidence to verify/validate the accounts instead of assuming that it is accurate. This account is not accurate by no means, matter of fact it is listed under XXXX different names on my file with the same contact information. Again, I need to see exactly what documentation Equifax received to determine this information was accurate since they did a fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Account opening, closing, or management

Complaint: I have recently checked my consumer credit report, I have contact the credit bureaus, I was instructed to contact you regarding these hard inquires made on consumer report WITHOUT my expressed written or verbal consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Settlement process and costs

Complaint: I was in a trial plan which I successfully completed and was offered a permanent modification which I did accept. I filled out all the documentation exactly the way the lender wanted it and had it notarized. I sent the packet back to the lender and that is when things started falling apart. First they said they could not approve the document because I signed my signature wrong on the paperwork. ( I signed it exactly as it was typed on the paperwork ) The lender said that I should have used my middle initial but the documents did not have my middle initial on the signature line. I saw this as an excuse to delay the modification. Then they said that they did not see the whole notary seal. It was embossed on the original paperwork so I am still not understanding what they need. ( A seal is not a requirement in the XXXX of Kentucky ) The scary part is that they would not accept my payments, I did not want to lose my modification so I ended up mailing the XXXX payment and it did finally post to my account on XXXX XXXX, 2015. We have done everything they asked us to do, we completed the trial phase and filled out the permanent documents and returned them in the correct amount of time. Now, it seems like they are nitpicking any excuse not to finalize the documents and during this time they are still adding late fees and drive by fees to keep us further delinquent our account. we were also given the opportunity to take advantage of their incentive program which we have every intention of taking advantage of but with how they keep us delinquent and late it could possibly kick us out of the incentive program.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have 2 accounts on my credit that need to be removed from my credit i have faxed in statement from my bank showing i paid the acvou t before i moved to my new address in 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 09-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I have had an account with coinbase.com for over a year. I have activated 2-step authentication on the account, which I 'm very familiar with and have used with many other services for many years. I have never had any problems with 2-step verification with any other services. 

With coinbase, my 2-step verification seems to break at random times, locking me out of my account. I even attempted to use the backup master/reset password provided by coinbase to reset my 2-step verification, but this also did not work. 

I 've attempted to contact coinbase support for weeks, with no response from coinbase support. I just want to close my account at this point, but without any help from coinbase, my money is just stuck there.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Calls up to XXXX times a day, even on weekends

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was a hard inquiry on my report from synchrony bank/ XXXX . I called the number associated with the company and I am under the impression that it is for some sort of credit card authorization for amazon. I am not an online shopper and have never ever authorized the use of my information for any such thing. I am working to improve my credit and a hard inquiry for a credit card I dont need does not sound ideal for credit building. I did not authorize this and would like it removed at once!

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 08-12-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My loan servicer is Navient XXXX formerly XXXX XXXX XXXX. When XXXX XXXX changed to Navient, Navient began frequent, repeated and extremely excessive phone calls to phone numbers that I did not provide to them for communication purposes in order to collect payments from me. The calls began after I communicated with them that I recently graduated and was unable to make the monthly payment at the current time. They call every day, XXXX days a week, all times of the day. They began calling from one number, then they started using another number, I suppose to surprise me. I also receive a letter from Navient every day in the mail. In addition, Navient contacts one of my friends looking for me ; I do n't know how they got this friends ' contact information but this friend is getting repeated calls and voicemails from Navient looking for me. This manner of collection is extreme, outrageous, excessive and it is interfering with me being able to live life.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with Schreiber Cohen, LLC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company Schreiber, Cohen LLC was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, XXXX was included on the bankruptcy petition, and notified. Schreiber Cohen LLC was also notified of this action. The bankruptcy was discharged on XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt  and what do I do? The clerks office told me to contact Schreiber Cohen LLC, XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ Schreiber Cohen LLC. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with D&A Services, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a phone number that keeps calling me repeatedly and asking me to call back. It always starts with a man whistling a short tune and then, in a threatening tone, the man always follows the whistle with a message that says " this is a debt collector, call back immediately. '' In one message, the man asked for my social security number to be ready and available when I call back. He never addresses me by name, and never leaves any additional details. I know for a fact that I do not have any debts that have went unpaid. I am in college and still live at home with my parents and I have no bills. I did live in an apartment for a short while, but I was never behind in my payments and immediately received my deposit back when I moved back home. I also cancelled my internet services and confirmed the cancellation with the workers in the local office several times to be sure. All of my school loans have been deferred until I complete school and I receive statements for those every month -- they are from the government and state that I currently owe nothing. I have another full year of school to go. There is nothing else out that that I have ever had a bill for. This company calls me EVERY DAY and leaves vague, creepy messages. I would like for it to stop. Based on research that I have done online, they appear to do this to several individuals, many of whom suspect that it is a scam. I have looked up the supposed agency that it is linked to according to the internet, but I can not find information on the agency anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (SC).
Issue: Other transaction issues

Complaint: Paypal has in fact tried 3 times to debit my bank account..after i revoked my account information from them. ( because of illegal activity ) and ( fake tracking number from ebay ). also after i did a chargeback with my bank.and paypal refunded my money ... they retaliated against me..by revising my paypal account to show a negative balance and fowarded it to a collection agency to try to damage my credit for a debt i do not owe ... they did this after the fact,, a retalitory action against me for doing a charge back for money thats rightfully mine which they refunded to me ... for a failed ebay purchase in which i recieved a fake tracking number for the ebay item.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Making/receiving payments, sending money

Complaint: Hello, I am a single mother that was hosting a XXXX for my daughter on XXXX/XXXX/2015. It was XXXX. and I left my credit card for authorization with my daughter. After running my card the charge was denied without even the courtesy of a phone call to me. I called tonight to discuss and was told that US Bank has XXXX or so customers, and that they did not have an obligation to call me and that my account was flagged because several merchants I had used had fraud associated with their billing.. they would not give me a list of who I was using as a merchant that had issues, and referred me to a website list I could refer to. 
As a consumer and as a customer of a bank who denied access to my funds, I expect at the very least # 1 a phone call letting me know the issue-since I had no time to rectify and pay for food delivered to a party # 2 a list of the merchants that they flagged, and had an issue, so I could address directly with the merchant. 
They only suggested providing me with a list that I could scan to come up with what may be a match ... ridiculous. I am furious that I was denied access to my own money without any sort of notification, or assistance. 
This is my money and it was extremely embarrassing that I was not able to pay for a party I was hosting, with money I had the ability to pay for the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I expressed my frustration with trying to get HSBC Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save wife, children and myself, from homeless. HSBC Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XXXX XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet HSBC Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case 10 CH 14885. The Illinois State court have ignored the fact HSBC did not send any notice of acceleration or default notice before filing foreclosure suit. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? HSBC admitted in Court they did not offer me any trial modification, they admitted in court the assignment was created by the attorney XXXX XXXX who is the Plaintiff 's HSBC attorney who is employed by XXXX XXXX XXXX who falsified documents claiming to by an MERS Vice President. What good is the Consent Order agreement if it is intended to be teeth less?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with Northwood Asset Management Group (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The number XXXX and XXXX has called me for weeks after I have asked them not to. They are calling about my brother who has never used my number or name as a cosigner on any loans. They threat to serve him. I 've XXXX the numbers and people seem to say it 's a scam. I confront them about being a scam and taking my number off their list and they get highly defensive and typically hang up on me. I keep answering because I want to get some answers and keep stating to take my number off of their call list.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: During closing I asked the bank 's representative about weekly payments. I was assured that after each weeks payment, my principle would decline and thus I would save on interest charges on an ongoing basis. After a change in the information provided on their website, I realized they did not operate in this manner. They simply kept the money until four weekly payments were made and only then reduced the loan balance. They had full use of the weekly payments until the end of the month and deprived me of interest savings. When I called about this, they told me that the procedure was covered in the contract by the phrase " full payment. '' It would seem only fair that the bank should fully disclose the implied cost of offering weekly payment in terms of foregone declines in the balance owed and thus higher interest costs.

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 01/24/2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: On XX/XX/2016 my computer was not working properly and soon afterwards I got a text message from XXXX ( XXXX ). They informed me my computer was hacked and they convinced me to dowload some software that amounted to {$1100.00}. I gave credit card info over phone and they downloaded the software. XXXX month later on XX/XX/XXXX same outfit texted me again and informed me my computer was hacked but this time they wanted me to pay {$2000.00} using checking account ... they asked me for check number. I immediately hung up and it dawned on me that above outfit is XXXX who hacked my computer and wanted to charge me again to download software ... .thus an online computer repair scam! I called CITI and told them what happened and they promptly credited my account {$1100.00}. They informed me and investigation would ensue and I would be recieving paperwork in mail. Several weeks later I recieved paperwork and filled it out completely and sent it back to CITI. In letters to me in XX/XX/XXXX ... CITI informed me that trasnsaction was legal and the {$1100.00} would be credited back to scam outfit AUROPCSUPPORT. XXXX things here XXXX. ) This is case of online scam that I clearly was a victim of. XXXX. ) This was NOT a case of someone fraudulently using my credit card via stolen from me ... ..I was in fact scamed into giving that info over phone which was in fact done fraudulently ... .something I informed CITI when I called them on XX/XX/XXXX I surprised that CITI credited back {$1100.00} to a SCAM OUTFIT after telling them thouroughly what happend. As though it was legal given that I gave info over phone which is not the issue here ... ..I was in fact SCAMED via clever tactics on part of XXXX. I have since learned other things of this outfit and it is posted online that this outfit a ) has a trust rating of 30 % b. ) owner is hiding identity XXXX ) malware has been detected on site .... go to googe and put in ... 'review of auropcsupport.com ' and see for yourself. 
I have called CITI fraud Dept XXXX times of this and they told me someone would call me back ... .they HAVE NOT even bothered to call me back after XXXX phone call to them! 
I sent images of documents link of what I found online after putting in 'review of auropcsupport ' on google ... they might be a unreadable but will submit these and others about this case either via mail or fax just so you know.

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 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, Transunion, and XXXX credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

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 Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Using a debit or ATM card

Complaint: Over the XX/XX/XXXX holiday, my Regions XXXX Debit card was hacked and over {$1000.00} of unauthorized purchases were made using the card. Of course, the bank was closed for 3 days during the holiday and would not allow a dispute be filed until the charges " posted ''. Did you know, Regions does not immediately put the money back into your account, pending an investigation like every other bank in this country does. There is a XXXX waiting period and they do n't make exceptions. Did you know they do not issue temporary bank cards ( bank personnel told me they are not that technically savvy! ) The also do not have courtesy checks for a customer to use when they ca n't get a temporary bank card - according to my " personal banker '', Regions had too much " fraud '' that way ... .. REALLY?? 

In addition to a XXXX day delay, they start hitting you with NSF charges even though my legitimate charges came BEFORE the unauthorized charge. Regions chose to hit me with approx. {$250.00} in NSF charges. Since the bank took an additional XXXX day New Years holiday there was no way to get any money out of my bank. My direct deposit paycheck was taken by the bank to cover the charges including the NSF fees. I am closing this account as soon as I can change my direct deposit to another bank. I would NEVER under any conditions open an account or recommend this bank to anyone!! As for my Regions " personal banker '', I want to thank you for nothing and a special thank you to the bank XXXX who refused to reimburse me the NSF fees knowing that I have never over-drafted my account and the fees were incorrectly charged. And please change the automated message on your voice recording saying Regions has the highest customer satisfaction rating of any bank. You MUST BE JOKING!

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 monetary relief