milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: US Collections West and its Associates are in violation of the following FDCRA sections : 1 : Willful neglect of FDCRA section 805 ( c ). On XXXX/XXXX/2016 at XXXX XXXX. The consumer requested in writing that US Collections West cease and desist telephonic communication regarding the disputed debt through the CFPB platform under complaint ID number XXXX. 

On XXXX/XXXX/2016 CFPB CSR confirmed delivery of written response/request to cease and desist was received by US Collections West. 

The week of XXXX/XXXX/2016, the consumer received more than XXXX phone call from US Collections West. 

US Collections West attempted to circumvent The FDCRA by utilizing an unlisted and unassociated phone number it owns to contact me. The calls were received from phone number XXXX XXXX XXXX XXXX. US Collections West publishes and prior to complaint ID XXXX communicated with me using their published phone number of XXXX. 

After receiving the cease and desist notification on XXXX/XXXX/2016, US Collections West willfully and unscrupulously continued to contact me using telephonic communication of an alternate number. Telephonic records in my possession illustrate the deceitful practice used to circumvent adherence to FDCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing statement

Complaint: I was being charged twice for many transactions since XX/XX/XXXX. Unfortunately I only noticed in XX/XX/XXXX so I filed a dispute. Capital One only gave me back the amounts for the transactions within the last XXXX days and told me they will no diapute charges further than XXXX days. The charges are from different companies, not just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with Servis One, Inc. (NJ).
Issue: Trouble during payment process

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Escrow Disbursement Clearing, XXXX XXXX XXXX XXXX, XXXX, PA XXXX ; check # XXXX ; dated : XX/X/2012 for {$7600.00} drawn upon XXXX XXXX XXXX XXXX was denied. BAD CHECK : I have written the company regarding the check that was denied by my bank for a replacement. The company refuses to replace the check claiming that it was cashed. I requested a copy of the cashed check showing my signature and XXXX XXXX XXXX refuses to provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received information about having XXXX new negative items on my credit report, so I did a free credit check report and noticed several bills that had incorrect information including my home address. I do n't recognize most of the alleged bills that are outstanding in my name, which leads me to believe I am a victim of identity theft. As soon as I noticed this, I immediately disputed the negative items, however, the disputed have gone unresolved and still remain on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX/XXXX/XXXX I consolidated XXXX student loans. XXXX was paid in full and removed from the equation. XXXX reaged the date of major delinquency to XXXX. Clearly they were already out of the equation and this is incorrect. Attached documents include an Equifax credit report from XXXX XXXX prior to consolidation proving date of major first delinquency to be XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: my mort. company OCWEN ( crooks ) who took over for HOMEWARD RESIDENTIAL ( crooks ) who took over for XXXX BANK ( crooks ) who took over for XXXX ( crooks ) who took over for XXXX ( crooks ) I 'm not sure if I have them in perfect order but they are or were all crooks -- -- out to screw the consumer -- -- -the newest way is to ABUSE electronic check cashing on seniors or anyone who has been forced to use automatic deposit for SS- XXXX SSI- or pensions ... .OCWEN my current mort co. will start calling to harrass you if they dont get my payment on the XXXX of the month..the same day my ss and pension check gets auto deposited ... if i send the check to early they electronic cash it witch could cause over draft fees and if I send it to late I could get late fees -- -- I believe I should be able to stop them from electronic cashing my checks -- and make them do it the old fashon way by actually posting the check -- -- I NEVER AGREED TO ELECTRONIC CHECK CASHING and most places i send payments to dont use this ripoff practice -- - NOW you have places that want to charge you for auto bill pay -- -- ANOTHER CONSUMER RIPOFF -- -- I live in indiana and dont believe I should be forced into practices that can only rip me off and have no real benefit for me!!!!!! -- - When I sent my XX/XX/XXXX payment I sent an extra {$20000.00} to help lower my principal -- -- {$20000.00} total -- -- Ocwen in their rush to get the money -- -electronic cashed my check on XX/XX/XXXX -- -- applying all of the funds ( including XX/XX/XXXX payment of {$710.00} to XX/XX/XXXX -- -- this caused even my mort intrest statement to be incorrect for XX/XX/XXXX they corrected this XXXX -- -- - but never moved my {$20000.00} back to XX/XX/XXXX where it belonged so it still doesnt show on my statement under year to date transactions -- -- all so they can get the money before its due date!!!!!!!!!

Company response to consumer: Closed
Consumer complaint received 03-05-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am attempting to complete a rollover distribution from my Wells Fargo 401 ( k ) account. I contacted Wells Fargo Retirement Services on XX/XX/2018 and was told that I needed 10 pages of notarized paperwork with a copy of my identification in order to do so. I spoke at that time to " XXXX '' in Distribution Services, who was to email paperwork but never did. On XX/XX/XXXX, I spoke to XXXX with the same result. On XX/XX/XXXX, I spoke to XXXX and finally received the paperwork. I completed it, had it notarized and mailed it back as instructed ( there is no email option ) on XX/XX/XXXX. On XX/XX/XXXX, having received nothing, I contacted the company again and was told by XXXX that the paperwork was never received and I would have to redo it. I have not encountered this level of bureaucracy and inefficiency with any other plan manager. In fact, I have done all other rollovers completely via telephone. I refuse to continue to pay for notary services and to make matters worse there is an after tax amount being held hostage by this company as well. I have been laid off and could definitely use those funds. I will not comply with an egregious request for something completely unnecessary and simply want the funds mailed to me for rollover. 

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 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed a debt in writing that a debt collector said I owed and stated in the dispute letter to cease further communication with me or others except for providing me further verification of the debt. I also stated that if they notified a credit agency of the debt that they must tell the credit agency that the debt was disputed. The debt collector both called me again after receiving my letter, never provided further verification of the debt, and reported the alleged debt to the XXXX reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On X/XX/17 I reached a settlement agreement with XXXX XXXX XXXX for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. XXXX XXXX XXXX updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with XXXX Transunion, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>XXXX XXXX XXXX has been paid since XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent two ( 2 ) certified letters to the bank and to the CRA to investigate the duplication of an unauthorized inquiry placed on my consumer file I did not authorize. The offending duplicate inquiry is hurting my credit and it needs to be removed.

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 02/19/2016 about Credit reporting () with Ditech Financial LLC (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I refinanced my home, my old mortgage company, DiTech, marked my account status as.. Paid/Account delinquent 60 days past due date/Late 60 Days, on my credit report. I have never made a payment 60 days late. I called DiTech and they gave me a fax number to send my dispute to them. The lady also said she does not show that I was ever 60 days late. How do I get this off my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (I do not know) with Pendrick Capital Partners Holding, LLC (ME).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On/aboutXX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of Pendrick Capital partners ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. 

I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. 

I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN).
Issue: Other transaction issues

Complaint: I transferred money using Moneygram on XXXX XXXX using debit card to send it to an XXXX bank ( debit card to bank account is Moneygram 's fastest transfer apparently ). My money was deducted but it wasnt delivered. On XXXX XXXX, i called them ( Please Note : I CALLED THEM ) and since then I have been struggling to get the refund from them. Their rep actually told me that she doesnt know why the money didnt go through and that the " system doesnt show ''. Then she forwarded my call to a dept which kept dropping my calls. After XXXX calls, finally I could connect and i was told point blank that the transaction must be cancelled ( ps : nobody still knows the reason but they were generously guessing ). Not for once they tried to set things right by actually trying to complete the remit. I was forced to cancel the transaction out of no options and since then they have been saying XXXX days return policy. By my calculation today is XXXX day ( or XXXX business day ). By their calculation it is XXXX business day post cancellation ( they actually debated with me on the business day count!!! ). I have n't received my refund. Till now I have called them atleast XXXX times and emailed them XXXX times. If I push them hard for the refund, I can sense rudeness in their tone and they predictably drop the call midway. 
Bottom-line, they have successfully held-back my money for 17 days ( and continuing ) despite my repeated requests. The family urgency which prompted me to send money to begin with couldnt be helped by me. 
I have used many remit services over years and this is the only company which actually collected SSN number by making it sound like a government requirement. I am extremely angry for giving it to them. A quick XXXX search yielded exactly similar stories which is even more worrying. Somebody should actually look into this company. The only reason I went with them was becoz I saw this name in XXXX and I assumed it might not be a scam company afterall. 
I complained to XXXX and MoneyGram hasnt responded to XXXX 's first notice. Second notice was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with SUMMIT FUNDING, INC. (CA).
Issue: Settlement process and costs

Complaint: I had spoken to a loan officer, XXXX XXXX at Summit Funding here in California and he had acquired our information and gave us a estimate. After we left we had decided to go with this company as, he was a great talker and seemed to be very knowledgeable. Much to our dismay all the information he gave us was a lie. I was told that I was " A '' paper and would need much as he was going to do down payment assistance and I may need {$2500.00} for down payment and/or to look stronger on paper or perhaps even to pay down debt. This could n't be farther from the truth. I was told to pay in over double that and he said that he paid in almost {$2000.00} and absorbed my seller credit as well for {$850.00} Giving me an amount of {$7400.00} used in total from the credits to the cash paid in. Which is a far cry from the quoted possible {$2500.00} needed to look stronger on paper. 

The primary issue that I had was that I was promised that I was to be locked into a 3.85 % loan and the loan officer failed to the lock the rate and let it go up to 4.385 % before it was locked in. Costing me an additional .5 % on the loan. When I asked about this I was lied to and was told that you do n't lock the rate nor could he. Furthermore, the loan origination fee was supposed to cover the loan and then I was charged for XXXX additional processing fees and XXXX additional Admin. fee. I then asked about those and was ignored and was told that he had no time to explain the extra charges but, that these had been disclosed this previously and he in fact did not. 
Following this the charges changed again and then I was also being charged points on the loan which had never been there but, now all the sudden were on the final disclosure. 

These 's are jut a few of what would appear to be major issues, on top of the fact that XXXX would only read my emails and not provide any guidance nor return my emails as he knew I wanted his demands in writing because of ever evolving asks that was going on. Due to this lack of guidance and attention to my file Summit Funding XXXX XXXX XXXX pushed out my close date 3 times and almost lost the sellers as well. When I asked for status and a definitive close date. The close date was avoided and the lies continued to pile up. I asked him several times to assist and all I would get back is less than becoming conduct and attitude as well as talking down to me like I was n't worth his time. His secretary did all the work and I had to help her do her job as well. Numerous times I was asked to submit the same documents as " they had said that they did n't have them '' and was lied to about the hold ups several times. I was able to acquire the information from XXXX as to what was needed and I advised them to address these failures to upload the proper documents in order to get this processed. Even then they attempted to make it seem like it was n't their fault but, it truly was.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (I do not know) with Brock & Scott, PLLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a regular mail notice of foreclosure dated XX/XX/XXXX and XXXX XXXX, 2015 see : Attached pages XXXX. On the steps of XXXX XXXX Courthouse. I have no knowledge of this company nor do I have any business or contractual matters with this firm. However it has obtained some of my personal information which I gave no consent to do so, XXXX name included in this alleged claim is that of a deceased being. Pursuant to 15 U.S.C. XXXX and title VIII of the Fair Debt Collection Practices Act, I certified mailed a Notice to Dispute and Cease and Desist to senders see : attached pages XXXX, XX/XX/XXXX. Around XX/XX/XXXX again through regular mail, I received COPIES of requested information, request demanded according to law the original wet ink documents, furthermore even this copy of a copy has been altered see : attached page XXXX. The copies are not sworn to nor verified by any person making the alleged claim. Also to continue this deception on XX/XX/XXXX my personal property appeared in local newspaper, foreclosure/auction section. This has put harm to my reputation, sanctions shall be issued, chargeable on the Bond ( s ) of the " once verified '' parties making such fraudulent claims, all shall be fined for the actual damage cost and time that my family endured during this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Hi there, I have the following issue with Coinbase : On XXXX XXXX ( more than a month ago! ) I initiated a withdrawal of XXXX euros from my Coinbase account to my XXXX bank account. The site indicated that the withdrawal had been initiated and the money will arrive to the bank account in the matter of few days. After a few day the withdrawal on their site was marked as 'Completed '. However, money did n't appear after 7 day, when I submitted a request to Coinbase, asking where is my money. No one got back to me. Over past few week I tried to reach them using different channels like XXXX, XXXX, but with no success. Please hep! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a customer of XXXX for a period of about 3 months at the XX/XX/XXXX/XX/XX/XXXX. I was subscribed for DSL internet service from them, but starting the first month I had severe latency and speed issues with the internet. I was told by XXXX that they were in the process of upgrading lines in my area and they credited my account in full for 3 months in a row in order to retain me as a customer. The service was almost completely unusable for my purposes, and after the third month I asked to close my account. XXXX complied with this and closed my account with a {$0.00} balance and I returned my equipment to them. Starting in XX/XX/XXXX I began receiving collection letters from EOS CCA for a purported debt that was originally held by XXXX totaling {$190.00}. I began getting harassing and threatening phone calls. When I tried to explain that this debt was not valid, I would be threatened for it to be reported to the credit bureaus. I gave them a verbal cease and desist and stated that if they did not stop calling me on my personal cell phone I would pursue harassment charges. I mailed a cease and desist letter and I also included a statement of no outstanding debt I obtained from XXXX. The calls and letters stopped. However, today, 4 years later, I have received another settlement notice from EOS CCA asking me to settle for {$110.00}. To date this still has not been reported to any credit bureaus, but I am not willing to deal with EOS CCA directly as I have already demonstrated that I do not owe any debt and that I never did. If this continues I will pursue litigation for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Medical debt) with CREDICO. INC (SD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a letter from XXXX XXXX XXXX threatening me with a lawsuit even though I told them not to contact me again without a proper validation letter as required under FDCPA. They contacted me anyway and are trying to coerce me into paying debts I do not owe according to the law. In addition, the debts in question are invalid because 1 ) the original providers sent me bills more than two years after I was seen and therefore missed the six-month Good Filing Deadline, and therefore according to regulations these charges MUST be written off ; and 2 ) I was under XXXX and was taken involuntarily to XXXX XXXX Hospital on XX/XX/XXXX, 2013 and therefore the state is responsible for paying the bill, not me ; that is an established fact of law.

Company response to consumer: Closed with explanation