milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off in XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account in XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from midland credit management stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. 
XXXX XXXX company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: In XXXX, I checked my credit report as I often do on XXXX XXXX app. Transunion had removed all of my inquiries and I was very happy to see this. What I was not so happy about was the reinsertion of those inquiries days later after I checked it again. There was no notice on Transunion 's behalf. I have since then, tried to call a handful of times to get these inquiries re-deleted since they were reinserted without my knowledge. I have encountered some of the rudest people, one of whom actually told me you were not affected and there is nothing more I can do. When I asked to speak to his supervisor, he disconnected the call. I am very disheartened by the actions of the employees of Transunion in the multiple times I have reached out to rectify this situation.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX Citibank 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 03/17/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: To satisfy payment obligations for my Lowes Credit Card I am enrolled in the Merchants ( Lowes ) on line auto pay system. However, it has come to my attention that the Lowes system does not debit my account according to the billing due date. Instead, the system either debits the payment after the grace period or skips the debit process entirely. I made a complaint about this to an account representative late last year and was told the auto pay had a glitch and that I would not be charged any late payments or be reported late to the credit bureaus. Today, I reviewed my account and learned I had been charged a late fee 4 times In the last 12 months due to auto pay failure. I contacted Lowes and requested a credit. I spoke to XXXX representatives who along with their supervisors agreed that all fees should be removed. However, I was disconnected each time during the conversation before the removal of the fees were finalized. Each time I called back I learned their were no notes in the system indicating I would receive a credit. On the third call, I was informed again by a very reluctant representative that I would receive the credits on my next billing cycle. I requested that notes be made in the system to ensure no further confusion should the credit not post. However, given the difficulty that I have had so far, I am doubtful that I will receive the credit as promised. Furthermore, I am concerned about the predatory nature of a credit card company offering an inferior bill pay solution and charging fees to the consumer when the system fails. In my case, my minimum payment was {$25.00} but I was being charged {$27.00} every time Lowes debited my payment late.

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 10/22/2016 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I was in the process of purchasing a home and had some issues negotiating down my interest rate. The lender was dragging his feet on locking in my rate. That should have been the first sign of trouble, however we tried to stay on top it. When we were given the final numbers, we did not accept the interest rate at the time because it had jumped to a 4.25 We were initially working with the 3.625 rate. The lender tried to give us some excuse that it was out of his control. So we told him that we would like to decline, we would not be able to afford the new payment of XXXX with the rate he tried to give us. He asked us to wait so that he could " work some magic '' with the numbers. He finally said i did it, i got you a 3.625 and your new payment is XXXX. We were a few days from closing, I had already paid a deposit that I would surely be losing, and we had only limited time to close escrow, and fund the loan. The last week of the loan process was hectic and me missed some very important information. After we closed, about 10 to 11 months into my loan i started receiving letters from the mortgage company that my escrow account was short and that i would be responsible for paying back some funds. My new payment would now go up to XXXX and i also need to pay about XXXX in property taxes. I immediately sought out another lender, i was able to streamline my loan with an even lower interest rate and really concentrate on making sure my escrow account was done properly. We discovered that the " magic '' that XXXX XXXX with New American Funding worked, was only allowing XXXX every month towards our escrow account. Our initial paperwork with the title company showed an estimate of XXXX towards taxes, XXXX towards insurance, and XXXX towards PMI. How they were able to manipulate the numbers after closing is why I am reporting this. After we moved our loan, two days before closing New American Funding asked for a pre pay penalty that they revised from the initial payout numbers they gave. They wanted even more money from me before they would release the lien on my property. We had called customer service several times to resolve this however, this seems to be a standard operating procedure for New American Funding. I feel that we were victims of predatory lending and loan fraud. I thought the mortgage laws were stricter and helped to prevent things like this from happening. Our city was involved in one of the nations most horrific mortgage fraud cases with XXXX XXXX, so i assumed all real estate agents in XXXX California would cross there t and dot there i 's. I would like to have my initial paperwork audited and I believe there are more victims out there who have also been subjected to predatory lending and loan fraud by New American Funding. I also want this pre pay penalty to be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (FL).
Issue: Incorrect information on your report

Complaint: After looking over my credit report, I noticed that there was a listing on credit report for a company by the name of  XXXX   XXXX  ( on some credit report s )  & Planet Home Lending ( on others  ),  which ar e   one in   the same. I noticed that they have me opening a loan with them in  XXXX   XXXX , in which I have never opened a loan with them. My initial loan in  XXXX   XXXX , was with another company as shown through the recording information via verifiable proof on t he Hillsborough Clerk of Court  's website, where all recording for mortgages and the like are shown. I immediately contacted    XXXX   XXXX    /Planet Home Lending and s poke with  XXXX  and explained to him the problem. I have contacted several people since that time,  XXXX  who represented herself as the supervisor as well as advised her of the situation,  XXXX , and I finally got fed up and sent an email to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  who is shown to be the President of   XXXX   XXXX  t/Planet Home Lending, with no response or acknowledgement. In the email I detailed my complaint as well as provided screenshots of their listing on each of my credit reports. Since I had n't received a response, I sent a follow up on  XXXX   XXXX ,  XXXX , still no response. Mind you, I was following up with customer service between these dates to see if maybe the email had been forwarded to another department to handle, but it had not been. I kept calling and spoke with  XXXX  again and explained this issue to her again, in which they are inaccurately reporting and explained I had not heard from their president in regardings to my issue. I forwared  XXXX  the email I sent to  XXXX   XXXX  at her request and she was to look into the issue and call me back. I learned after speaking with representative,  XXXX  today that per their credit department, they are accurately reporting and this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with Arcadia Holdings, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/2017 called in several times to speak with someone to find the total amount due. No answer. On XX/XX/2017 called again to make arrangements and they failed to take any arrangements except full payment. afterwards no response from collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX $ has been put on my credit dating back to 2013 from an apartment in which i did not live or have a lease at. I disputed this a few years back and it was taken off my credit, all of a sudden a few months ago it is back on and XXXX wont get back to me on all the disputes ive sent in. This is ruining my life and i owe this company nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with Performant Financial Corporation (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Performant XXXX has called me multiple times the latest was on XXXX17 at  XXXX. Claims to be a debt collector for the Treasury Department, with some claim that I owe $ 120+ to the Treasury Department for some VA ( Veterans Administration ) care.

That is impossible because I am an Unemployed XXXX XXXX, that does not have to pay any debts at the VA! I have limited means. I do not know what the claimed cost occurred from, nor am I going to pay for something I did not authorize or receive!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I told navient I could not afford my current repayment plan. I have not been making payments that I can not afford it they have been calling the co-borrower and myself at least XXXX times a day. Today two family members called and stated that a credit collector attempting to collect a debt was trying to reach me. His name was XXXX and he left a phone number. these family members were not listed on any of my contact forms. He called me first and was able to contact me at my number. He had no reason to call them.I sent an email to Navient asking them to send me in writing what they were saying over the phone and I would comply. I do not trust anything they say over the phone they are very deceitful in practice. they told me over the phone that if I pay one month current they will forgive my prior past due balance. If I give them my account information I do not trust they will only take the agreed upon amount out of my account. I also want proof that they will forgive the past debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: IN 2014 CITIMORTGAGE FORCLOSED OUR HOME AFTER 24 YEARS AND LESS THAN 7 YEARS FROM OWNERSHIP. WE EXPERIENCED UNEMPLOYMENT HARDSHIP AND MISSED PAYMENTS. PLEASE REVIEW THIS COMPLAINT AND HELP US FROM BEING HOMELESS FOR THE PAST 3 YEARS, LIVING FROM RENTAL TO RENTAL.

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 11/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Deposits and withdrawals

Complaint: Hello I have XXXX complaints on file with XXXX different Banks XXXX is Bank of America and the other is XXXX XXXX XXXX. The complaint with Bank of America is was at the hospital and the XXXX, office all day I need to go to medical records and get copy of medical report and on XXXX/XXXX/2011 I reported the card stolen to the manager at bank of America and customer service and the XXXX XXXX Police dept. Then the other bank XXXX I was at XXXX XXXX when someone stole money from it and then I ended up again at XXXX XXXX XXXX trying to get a XXXX, I was due to have XXXX surgery so me and a friend decided we should go to the beach but we both ended up in hotel room sick she is on XXXX and I was sick with the XXXX, any way none of this makes any sense because I am just XXXX person and the bank has many people and ways of saying that I am wrong but they are not giving me a chance to provide the information need because I always end up getting sick, anyway I may be fighting this till my death bed.. but I still need my money back because I would like to move from where I am living and I should have had enough money to do that between these XXXX banks they stole XXXX that 's my money from Social Security XXXX Settlement, the should be some type of Social Worker or someone somewhere that I can sit and talk with about my Identity being stolen. Besides having the banks not help solve the problem the IRS should note how people money get stolen from the banks every year or whenever it is stolen and not replace that revenue of a person money and possibly others that do n't get to spend their own money that are stolen by banks and employee of the bank. I got a police report of my card being stolen the very same day and I did report it to the bank even though they wrote some type of letter from their dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. Both Checking and Saving Account at XXXX Banks fees and money missing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files - XXXX, XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I tried to refinance my loan to lower my monthly payments due to hardships. My claim was Denied and my house payment was increased to {$200.00} a month and will increase each year {$200.00} each month!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with SYNCHRONY FINANCIAL (ID).
Issue: Arbitration

Complaint: I submitted and FDCPA debt validation request to XXXX XXXX Credit Card, part of Synchrony bank for debt validation on the XXXX of XXXX XXXX. The request had a 30 day time window on it, and was completely ignored by XXXX. I submitted the second letter requesting debt validation to XXXX on XXXX of XXXX XXXX, and once again the request was willfully ignored. The first agent, XXXX whom I spoke to in their collections department was verbally abusive and hung up on me. The second agent I spoke to XXXX was as helpful as she could be but had no idea why they had n't responded to me, and sent me over to XXXX customer service department. The agent in customer service was obviously outsourced and had no idea in the slightest what FDCPA even is. I advised the last XXXX agents to please notate my account, and they told me that in addition to that, the calls are recorded. I understand that I need to report these violations to the proper Federal venues. Thank you.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ).

XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX (XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX  ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX ).

EXPERIAN - 1. XXXX XXXX ( JXX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX ( XX/XX/XXXX ) 4. AXXXX XXXX XXXX ( XX/XX/XXXX 5. XXXX ( XX/XX/XXXX ). 
Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was on 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 03/15/2016 about Mortgage (FHA mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: It is now XXXX/XXXX/2016. As stated before, we were left no option but to do a died in lieu with BSI. We have lost our home of 18 years even after being able to provide proof of sufficient income to make payments if the loan were to have been modified. We did everything we could to save our home. BSI has been the most unprofessional company we have ever worked with. Im asking you to please review all records, phone calls and proof of income. I have kept and printed off all emails. The number of staff and representatives we went through in this horrible process. We ended up in contact with the CEO of BSI. With all of this being said, we have turned over all contact via email and mail and phone calls to our attorney. We are going forward with a law suit as this loan has been so mishandled and ended up in my family being homeless. This has also been reported to the housing authority, HUD, and XXXX. Its a shame that this company remains in business. Please take the time to review, research and investigate how loans are being handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: XX/XX/XXXX- I wired {$7500.00} to my husband 's Coinbase account from our mutual bank account. 
XX/XX/XXXX- Coinbase rejects the wire. 
The money is gone from my bank account and not in my Coinbase account. 
Coinbase emails XX/XX/XXXX stating rejected wires take 2-5 business days or longer. 
After 5 business days I contact my bank to obtain the money from Coinbase. XXXX states it will take 2-10 business days to get the money back. 
XX/XX/XXXX XXXX states Coinbase has not responded to the wire recall request. 
All email attempts are met with a response from Coinbase stating they are working on it.

Company response to consumer: Closed with explanation