milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: O XXXX/XXXX/15 I submitted a grievance letter to my loan Servicer and Note holder and had a CFPB case number XXXX. They responded with a a letter regarding their services and being correct and to deal with my home builder on my grievances and did not address the specific questions regarding the transaction of my note. My grievance letter was very specific with mortgage broker fraud and appraisal fraud and predatory loan issues using bank statements for stated income and many other issues relating to the origination of the note and the transactions of the note to present. 
I sent a follow up letter in the portal to get my specific questions answered. They never responded to my second letter. I called the servicer and spoke with the point person assigned to my file. The point person stated, they closed the file and the compliance office will not speak direct to me and stated, this complaint file was closed and issue was addressed in their view. The point person said, maybe you should file another complaint, but this file is closed. I called CPFB, and asked if the file was closed. They stated they can only close the file, and to pursue this with a attorney and the FTC monitors the files and if they see something they will contact you. I can not afford an attorney at this time and now filling another complaint to get my grievances answered. As a consumer I am entitled to receive answers on my grievances made. It appears this is going to be a run around with my grievance, but I will keep trying to I get answers to my specific questions. I have followed the process as it was set up for, me, the consumer. Hopefully the other side with take time to address my grievances raised and provide their answers to my questions regarding my mortgage that I raised in my letter. I have also contacted my State Attorney Office with my grievances and my State Banking regulators with my grievances to see if they will address. I also sent to XXXX Federal agencies including this XXXX, my letter and the Servicer for the Note Holder letter response, to have a my grievances be addressed. I look forward the parties use this portal under the Federal government to have issues addressed for the consumer, such as I.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I tried to withdrew funds from Coinbase Inc [ US ] on the XX/XX/XXXX from my bitcoin wallet to my bank account. According to their website the transaction has completed. 

However no funds have arrived in my bank account. I have previously successfully withdrew funds to the same bank account. 

Sum involved is XXXX Euros. 

I contacted customer support on the XX/XX/XXXX and got the following reply : Coinbase | XX/XX/XXXX XXXX PDT Thank you for submitting your request. Due to increased volume it may take several days to receive a response. 

I asked for an update on XX/XX/XXXX and got this reply : XXXX replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

I have made 2 further attempts to contact Coinbase to get a further update and a resolution to this issue but have been unable to get a response back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I challenged this debt with XXXX and XXXX in XXXX 2015. The result was that I won the challenge and the debt was removed from both reporting agencies on XXXX XXXX, XXXX Credit Management Co. has reopened a report of the debt on XXXX XXXX, 2015 and reported again on XXXX XXXX, 2015. It is my understanding that it is illegal for them to take this action. This has a negative impact on my credit report and I want it to stop.

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 04/16/2015 about Mortgage (Other mortgage) with First Data Corporation (HI).
Issue: Application, originator, mortgage broker

Complaint: Received letter from Money Network in the mail to upgrade an account. I do not know what type of account it is and I do not have an account with Money Network and I believe this is a SCAM. If this is not the right forum or site to report this please let me know where.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with General Credit Services (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I attempted to contact the person by the name of  XXXX  regarding a debt we were disputing and wanting more information before making payments related to an account from the hospital that I informed the collector that we had not received. The rep spoke rudely to me and threatened to take action and stated that I was refusing to pay the account since I would not commit to a payment plan. She also states that she sent them to me, I informed her again that I did not receive it and she would not agree to send me another copy of that. She just told me to contact the hospital. In addition I am deeply concerned that the collector is not taking action to verify my identity when calling such as verifying my date of birth or other verifying information to ensure they are not releasing information to an unauthorized party. They have never done this. In addition they have been reluctant to work with me in the past and continue to call me while I am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy is over 10 years old, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Unsolicited issuance of credit card

Complaint: I have visa credit for 6 yr never mists any payment the problem is my name Im a man and my name XXXX XXXX the keeps asking me to verify account info. ... Everytime I input my credit card info and press enter it gos back to ... Every time it asks for verification, it 's like all my address information, plus my .... Go into bank and show my ID

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I contacted trans union about being a victim of their inquiry issue I contacted them about the issue it was n't resolved. I did not receive a 5 day reinsert letter or anything I want these inquiries removed off of my report. 
XXXX-XX/XX/2015, XXXX/XXXX/2015, XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/2015 , XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15

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 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient claims that I have used 48 months of in-school deferments and I have n't been in school for a full 48 months yet. I have had financial hardships while XXXX children and placing education on hold, periodically. Navient is harassing my co-signer who have been trying to pay the loan. I am currently seeking employment, however, I have no job. I have asked Navient if I can pay $ XXXX/month, but they refuse to accept my payments. Again, at this time I can only afford {$50.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with OCWEN LOAN SERVICING LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: agents from Ocwen keep calling asking for a XXXX XXXX and that person do n't live here and I do not know anyone with that name. I have asked this company to remove my phone number and explained to them that the person they are asking for does n't live here. the first call I requested to be removed was on XXXX/XXXX/2015. on XXXX/XXXX/2015 they called and we went through the process again on XXXX XXXX and again on XXXX/XXXX/2015. I called the company back on XXXX/XXXX/2015 and asked for a manager and gave that person the same information. Every time the call has ended with them letting me know my phone number has been removed and they were very sorry. They called again on XXXX/XXXX/2015 and we went through it all again this time I called back and was on the phone with them for over an hour being switched form person to person and the were confident my number was removed from there list. Well they just called again on XXXX/XXXX/2015 and I lost it this time. yelling at them to remove my number. Sorry but these people need to be stopped. there phone number is XXXX and company Name is Ocwen Debt Collection

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: XXXX XXXX retaliated on XX/XX/XXXX after a complaint had been filed and XXXX  allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in XX/XX/XXXX, XX/XX/XXXX. The debtor XXXX XXXX is pursuing me out of spite and malice.If I could have afforded to pay the XXXX bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that XXXX XXXX XXXX XXXX should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. XXXX has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a dozen times with different amounts when the aggregate of that account should have been used 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 explanation
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with Continental Finance Company, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed bankruptcy and the debt wa s discharged and  it 's still on my report a year later.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is an account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX on XX/XX/, by telephone at XXXX and spoke with a customer service rep named XXXX XXXX. He advised that he didn't have any information matching my name, address or social security number and that he was going to submit an account resolution update to get the information stopped from being reported. I have sent a letter to the credit bureau requesting the information to be removed or updated certified letter return receipt XXXX. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I was trying to claim a fraud with Wells Fargo - my bank and they would not assist me. 
I have deposited a check on my account and month later the money was withdrawn from the account and returned to payee. I was explained that the money was deposited XXXX, XXXX deposit was in XXXX. I do n't have an account and I feel that this is a fraud. The payee does n't want to act as money went away once and my bank does n't want to investigate this case further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The letter and check dated XX/XX/XXXX was accidentally misplaced and never opened until XX/XX/XXXX. On XX/XX/XXXX a representative and then a supervisor stated that any check issued more than a year ago would not be reissued when I called the number at the bottom of the letter from Portfolio Recovery Associates. The first call that I made to XXXX was answered by a representative that gave me a number to call and that number gave a busy signal repeatedly. The second representative told me that it had been more than a year since the check was issued and that they had been " told today that no more checks would be reissued. '' When I questioned the over a year statement and then the told today no more reissues statement, the rep said that she had been misinformed. I asked by whom because she had not spoken with anyone but me in the past several minutes. I asked for a supervisor and the supervisor told me that the check had been issued XX/XX/XXXX and that it was over a year and could not be reissued. I told her that the check was issued with the letter from XXXX on XX/XX/XXXX and that it had not been a year. The supervisor then told me that it did not matter, that the bank account that the checks had been written on was a contracted account for the purpose of paying the litigated amounts and that it was no longer active. I contacted the CFPB by phone and the man I spoke with suggested that I contact the bank the check was written on. I did so at the number he provided and the bank confirmed that it was an active account. I feel that the representatives acting and speaking on behalf of Portfolio Recovery Associates , LLC attempted to deceive me by changing the dates and reasons that they would not reissue a check in an amount that they clearly owe me. I believe that the supervisor told an absolute lie about the bank account being closed and lied about the date of original issue to attempt to stop me from pursuing the attempt to acquire the money that XXXX clearly owes me. I am not asking for the interest that XXXX has accrued from this amount of money that they owe me, simply a reissue of the check in the amount of {$1400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On the XX/XX/XXXX I closed my XXXX account for DSL internet due to moving to XXXX to change XXXX. About a month after we canceled our service we called to make sure that our internet account was closed/Free and clear as well as our other utilities/services. We were notified that our account was closed with a XXXX balance. Shortly after that we received a bill for XXXX dollars and I called XXXX to see what the charges were for and the gentleman from customer service reviewed the account and informed us that they had made and error and we were actually owed XXXX. After that I received an account summary detailing the closure of the account showing a XXXX credit. The day after I received a bill for XXXX dollars along with a collection notice from IC Systems. I called XXXX again talking with various offices customer service, account management, etc. and no one could explain the bill or the debt collection. I then called IC Systems and asked about the debt and how to resolve it. Seems that there was no way for XXXX to remove the collection notice and that I would have to dispute the charge and wait for review. I ended up paying the debt collector in hopes that XXXX error will not affect my credit. I plan on disputing the charge with letter to IC systems but do not have much faith in any resolution with XXXX. I can not tell you the time I dedicate to keeping my finances in order and have never been late on a bill. It is very embarrassing to receive a collection notice. Through some research on I have found huge amounts of complaints about XXXX for the exact same situation. Furthermore please take note to the account numbers on both the Account Summary, and the Bill that I was sent. They do not match between the two invoices, but in XXXX system both numbers associate with the same account. Any help that you could provide would be greatly appreciated we are in the process of closing on a house and this concerns me greatly that it will affect the closing in a negative way despite my stellar credit. Its very frustrating how willing they are to sell you services, but when your done they cant help at all. 

Thank you, below is the contact information for both companies involved. 


XXXX XXXX IC Services 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 10-12-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Application, originator, mortgage broker

Complaint: PNC Mortgage ( PM ) sold my property ( XXXX bedroom Condo ) loan # XXXX ( {$200000.00} at 5.5 ARM ) in foreclosure to Federal Home loan Mortgage ( XXXX XXXX ) on XXXX/XXXX/XXXX at XXXX for {$130000.00} after agreeing to a loan modification. PM dual tracked the loan modification process using lawyers XXXX XXXX XXXX XXXX and sold the property using auction house, XXXX XXXX. ( Case Case XXXX of the Circuit Court of XXXX XXXX County ). PM represented by realtor XXXX XXXX of XXXX XXXX gave me instructions to vacate the property and i did. I moved in with family at XXXX, XXXX XXXX, Maryland. The completed sale of the above property and its terms were mailed and communicated to all stakeholders of the property including my Condo Owners Association ( COA ) lawyers XXXX XXXX XXXX and XXXX on XXXX XXXX, XXXX. Two whole years went by, uneventful. Precisely XXXX XXXX, PM started calling me incessantly. They offered to do a loan modification if i successfully completed a 3 months trial period. I did, but when I went to look at my property, i found squatters and dogs on the property. I went to court with advice and representation by Attorney XXXX XXXX XXXX to evict them. The last of the squatters was evicted by Maryland Sheriff Department in XXXX of XXXX. The loan Modification was completed XXXX XXXX and to my Surprise, PM added over two years of payments ( this is the period for which they had sold the property to Federal Home Loan Mortgage, XXXX/XXXX/XXXX through XXXX XXXX ) to my loan modification total. I complained bitterly on the phone many times to XXXX of loss Mitigation ( my appointed point of contact ) at PM and in writing about my loan modification arrangement demanding a change to my loan modification. I wrote letters dated XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but they would not investigate nor correct nor make the necessary changes. Matters have gotten really worse because my Condo Owner Association ( COA ) lawyers XXXX XXXX XXXX XXXX XXXX XXXX. of XXXX has being pursuing me for COA fees that I do not owe. This was fees for the period that PM and XXXX XXXX took possession of the property. Liens upon liens on my property, penalties upon penalties, fee upon fees to the tune now of about {$40000.00} and collection letters is being falsely appropriated to me. I am sick and tired of being harassed, bullied and taking advantage of by both PNC Mortgage and my COA lawyers XXXX I need your help to correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in XXXX confirmed they are all paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: When my credit report was pulled by XXXX XXXX XXXX in XXXX Nevada and some criminal acts and felonies came up under my name, but they are not mine. I have enclosed a copy of my current drivers license as requested by XXXX, which I spoke with today. This should help clear up the confusion and clear my credit report of this fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (AZ).
Issue: Deposits and withdrawals

Complaint: Paypal holds money even when they are giving information that the seller has received their items back, to make interest off the holds they do. This is illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation