milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The law firm XXXX XXXX XXXX XXXX XXXX has been assigned a debt for collection by Capital One which represents the merchant 's ongoing efforts to help the State of Florida to retaliate against me for calling attention to the federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, embodied by HUD through the absence of any provision for HUD rules to be adjudicated in Federal Court or for county judges to be required to recuse from any landlord-tenant disputes involving HUD rules within any municipalities wherein HUD Programs are not fully privatized, because of the automatic financial ties county judges have to any landlords participating in HUD Programs within those municipalities -- especially given that county judges are not actually qualified or even authorized to rule on Federal issues. Note in the attached Complaints that Capital One refused to even forward my XXXX XXXX dispute from last year to the merchant, subsequent to failing to uphold my dispute against the XXXX XXXX XXXX a few months prior, wherein I had detailed my efforts to address the aforementioned federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, instigated at the insistence of the authorities in the XXXX portion of the country -- on behalf of XXXX-based businesses, such as Capital One -- that Democracy must never amount to anything more than a subterfuge necessary to extend the influence of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This was an account with XXXX XXXX. I canceled my hot spot at the end of XX/XX/2016. I was told that I could come back at anytime and pick up the service. I told them in XXXX XXXX XXXX and then after 60-90 days they were still billing me. I work out of state and was not able to get my mail. I paid everything online. I then called XXXX again and again. They kept telling me not to worry about it. I called the next month then someone else told me that they would not do anything about it and it would go to collections. I paid on this every month that I had this account on time. I then have been disputing this collection for over a year and I have given all the credit reporting agencies the time line when I switched with bills showing when I canceled the account and still because of these big corporations can put in accurate information on your credit report at anytime. I paid on my account and paid for services that I have like any other account that I have. XXXX should do the right thing and take this off my credit report.

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 07-11-2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Both balances were paid at the same time in one full payment to XXXX at the XXXX Business office on XXXX XXXX XXXX, in XXXX 2013 the balances of XXXX and XXXX. I have called the XXXX office with no help. I have spokes to XXXX at the XXXX office twice. I can not pay this again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (RI).
Issue: Trouble during payment process

Complaint: Over the past few months, my mortgage company, NationStar, changed their name to '' XXXX XXXX ''. The shortly after, I received a notice that my mortgage ( which has a " fixed '' interest rate XXXX, was going to be going up by about XXXX, due to changes in the escrow account. I did pay XXXX 's mortgage at the increased rate because I had not had time to call them to get more specific information about the increase, but I did not want to be late with the mortgage in the mantime, so I paid it. I finally had time to call this evening, and reached a customer service rep who was very uninformed and struggling to tell me specifically what had caused the increase. Frustrated, I asked for his supervisor. After a long conversation with supervisor during which I had to press him quite a bit for reasons and explanations, it came out that around XXXX of the increase was due to an increase in taxes and/or insurance in my escrow account ( which I will verifywith the town and my insurance company ), but that the remaining approximately XXXX charge per month was an additional hedge against possible future increases in taxes and/or insurance. When I objected strongly that this did not seem reasonable at all, he finally let me know ( for the first time ) that this was actually optional and I could opt out. So somehow I went from a " shortfall '' to a surplus and now they will be reducing the monthly charge by XXXX and send me a refund of approx XXXX This whole thing was done is a very cagey and shifty manner. Had I not pressed to speak to a supervisor and also pushed back pretty hard and asked lots of questions about the additional charge, I never would have found out what it was or that it was actually optional and I could get them to take the charge off. This, I learned from a relative in the mortgage business, is not acceptable practice at all and possibly breaches certain regulatory requirements. He urged me to report it to you. This relative said, " Nationstar ( now XXXX XXXX XXXX has had issues in the industry with regulatory compliance, including XXXX. They may not be outwardly trying to commit fraud but their data integrity has been criticized enough by regulators to be fined, and you may be experiencing an impact to their data quality issues. Clearly their customer service stinks too. " Please note : the name of the supervisor that I spoke with is XXXX XXXX, or at least that is the name he gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (WI).
Issue: Trouble during payment process

Complaint: I refinance my mortgage and received a letter dated XX/XX/XXXX that my mortgage was sold to Loan Care effective XX/XX/XXXX. On XX/XX/XXXX I logged on to their website, made my first payment and signed up for e-statements. On XXXX I realized my payment had not come out of my account, so I went back on to the website to find that I have a XXXX principal balance. On XXXX I called Loan Care and spoke with XXXX ( XXXX ) who told me my loan was sold to XXXX XXXX now known as XXXX XXXX as of XX/XX/XXXX and she told me my payment would be forwarded to them. She claimed that a letter was sent to me on XX/XX/XXXX, but I never received this letter. 
I called XXXX XXXX and they have no record of me yet, and I never received a letter from them. XXXX, from XXXX XXXX then called Loan Care back to try to get the new loan number and they do not have that information. The new person we spoke with at Loan Care told me my payment would not be forwarded to XXXX XXXX. 
My loan 's first payment due date is XX/XX/XXXX. I am currently 13 days past due, and I have no way to make my mortgage payment. I understand there is a 60 day grace period when your mortgage is transferred however, not being able to make my payment is unacceptable, and I do not want my payment history to reflect a payment posted after the due date. 
XXXX XXXX states that it can take 7 days to load new transfers information to their system. It has now been 9 business days from the day of transfer and they still do not have my information.

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 10-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent several certified letters asking for validation of this debt that they say i owe. Proof of a signed contract for this debt. Instead of sending my request, i received a summons to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I SUBMITTED A DISPUTE TO TRANSUNION FOR COLLECTIONS PREVIOUSLY DELETED FROM MY CREDIT FILE, THE RE-ADDED. I AM NO LONGER LIABLE FOR THE DEBT AS IT WAS PAID BY MY INSURANCE CO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Problem adding money

Complaint: Hello Hello - I sent a wire transfer over 3 weeks ago to COINBASE bank location. 
I am requesting the funds sent back immediately. 
They have not given me access to these funds.  They have not posted these funds to my account. 
They have not posted a transaction of this wire transfer. 
They refuse to acknowledge the situation. 
They refuse to respond From Account Number : XXXX Share : XXXX - BUSINESS CHECKING Name : XXXXXXXX XXXX  Email : XXXXXXXXXXXX XXXX Phone : ( XXXX ) XXXX Transaction Date : XXXX/XXXX/XXXX Amount : ( {$1000.00} ) Description : WIRE TRANSFER SENT TO THE FOLLOWING BELOW SENT TO : Coinbase Routing/ABA Number XXXX Account Number XXXX Recipient Instructions/Message XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Midland credit purchased past credit card debt that I owed with XXXX previous card lenders. what they did was report to the credit reporting agencies as if I opened new lines of credit. I appealed to the credit reporting agencies and XXXX accounts were deleted. But midland credit is now harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian XXXX XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (GA).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: X/XX/2018 - Received an unsolicited, encoded Netspend prepaid XXXX. It includes my name embossed on the card. This opens me up to significant fraud risk, and I do not want this to be sent to me. I will be shredding this card, but my concern is that others may have or will be mailed that are diverted to inappropriate parties.

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 05/28/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her XXXX marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Trouble during payment process

Complaint: Had a loan with   XXXX   and it was sold to  Bayview Loan Servicing . My final payment with  XXXX  was drafted on n    X/XX/2017 . I d id receive notice that Bayview would take over the loan. That is when things became a problem. I never authorized Bayview to do an electronic draft from my checking account. My final electronic check from  XXXX  on   X/XX/2017   indicates authorized by your depositor and the unauthorize draft from  Bayview in dicates authorized by drawer.     This would not have been a problem if Bayview would have informed me that they intended to use same drafting information from  XXXX . Trying to keep my good payment history I went into Bayviews website on  XXXX   XXXX ,  2017 a nd submitted an electronic payment for my first and worse payment experience with Bayview. Not until after the payment was submitted did I realize that the electronic payment from  XXXX  may move and this could cause my good deed to turn into a nightmare.     On Monday,  XXXX   XXXX ,  2017 I cont act Bayview and enquired about the payment. The agent instructed me to stop the payment at my bank. The same day went my bank and was told that the transfer is immediate and can not be reversed.   XXXX   on the same day contacted  Bayview  again and was told 21 days to get a refund. Told the agent that was not acceptable and placed in escalation. Was instructed by escalation department to fax the documents showing double payment and they would overnight my refund check.     The items did not show up on my account until   X/X/17     on the same day returned the fax with all the requested documents and even call. Was told then that my check should be in before Friday. Friday came no check in the mail. Call again on   X/X/17     and was told the check was processed and should have it soon.   X/XX/17   still no check.     Making two payment has created an extreme hardship on me and my family not to mention getting the run around from Bayview.     Surely something is wrong with this picture. I need help.     Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX, XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2015 XXXX XXXX X/XX/2016

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 01/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I transferred XXXX USD onXX/XX/XXXX to coinbase.com and they promised to credit to my account on XX/XX/XXXX Today is XX/XX/XXXX and it has not been credited yet.. I opened a case with www.coinbase.com Case # XXXX IMAD # XXXX. NO RESOLUTION. They are not even responding to my emails. I am also ID verified on coinbase. They simply stole my money and no one to talk to or resolve the issue -The full name on the account the wire was sent from : XXXX XXXX XXXX XXXX -The amount of the wire = XXXX  USD -The date the wire was sent XX/XX/XXXX -- The federal reference # IMAD # for the wire FED # XXXX More DETAILS OF WIRE TRANSFER WT FED # XXXX XXXX XXXX XXXX=XXXX XXXX XXXX XXXX # XXXX TRN # XXXX RFB # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had taken loans for my education, recently I was XXXX I have been unable to find work in my field of study, I live on the verge of being homeless everyday. My Navient loans ( which was XXXX XXXX when I took them young and dumb ) have gone into default I tried to offer them XXXX per month until I can find gainful employment. I have been told that is not " acceptable '' They have basically refused payments from me. I talk to them they claim they will call me back they do n't. They try to talk in circles to me and when I call them on what they have said they say that I am wrong and I am twisting their words. I have asked them to give me my options in writing as they only give me half of the story when I speak to them. Their collection staff is full of collection agents that are nothing more than bullies. I am discussed and sick over this and would love for the government to investigate them for shady lending practices and abusive collection practices. I am sick of being spoken to as if I am stupid and not on the same mental level as these individuals that they employ that for whatever reason feel they are better than I am in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: I pulled my credit report in  XXXX  of  2017 a nd noticed there were  XXXX    XXXX   XXXX   XXXX    credit cards opened in my name.  One with a  {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact  XXXX   XXXX  fraud department they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The account looks like it was re-aged. The date opened was XXXX/XXXX/XXXX but the date of delinquency is XXXX. How was this account late before it was even opened? The date it was reported was XXXX and the first major delinquency was XXXX and if you look at the payment history there is no late payments. I would like this account removed from my report. I disputed with XXXX  but they never got back to me they just put a consumer disputes remark on the account with no explanation if and how they verified the accuracy. I dont see how the information is accurate when the account wasnt opened until XXXX yet was late XXXX before the account was even opened. Please remove account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (FHA mortgage) with 21ST MORTGAGE CORP. (TN).
Issue: Trouble during payment process

Complaint: With all due respect my wife always will do the right thing. She has tried to work out several ways to lower or catch up mortgage. We receive letters and demands on the daily bases and also emails from time to time. But what the real issue is regardless of the default is we were not given full disclosure. We should all know that pooling, selling notes which is Securitization and fraud lying to investors and it is no longer a nogoetiable instrument it is a non-nogoetiable that has been turn into a security instrument. Through 21st Mortgage Corporation its agents or agent violated T.C.A. title 47 in Uniform Commerical Code section 3-305 ( a ). 21st Mortgage materially altered a contract without the  consent of XXXX XXXX XXXX or XXXX XXXX committed Fraud in the factum. This is why this transaction is illegal. And thus fraud which induced us both into a contract upon terms and conditions other than agreed upon. The law is expressed as 3-305 and claim recoupment. And as stated in general rule subsection ( b ). This is fraud and lack of legal capacity or illegality of  the transaction WHICH UNDER LAW nullifies the obligation of the obligator. Fraud that induced the obligor to sign the instrument with neither knowledge nor reasonable opportunity to learn of its character or its essential terms ; ; or the law that Governs this note/bond/mortgage security interest lien is the Statues at Large Public Law 13 38th congress Stat 99-118, the National Currency Act which expressed as prima facie Law under the United States Code Title 12 Banks and Banking, TCA Title 47 Article 3 Negotiable Instruments and Article 8 Investments Securities. We are XXXX XXXX and XXXX XXXX XXXX we are only asserting defense against the validity of the orginal negotiable instrument 'contract ' the alleged promissory note '. And last and foremost the first issue is consideration there has been no loan or consideration in this contract in the amount of {$60000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: Ordered paintings, used paypal as payment method. Paintings arrived XXXX month later damaged. Paypal awarded claim XXXX {$.00} XXXX month later paypal decided in sellers favor and took XXXX $ out of account without explanation, when I tried to fight back that paintings arrived damaged and seller already claimed insurance via USPS my claim was denied. Paypal buyers protection policy is a joke.

Company response to consumer: Closed with monetary relief