milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: At approximately XXXX EDT on Friday, XXXX XXXX 2015, I placed a call to Citigroup ( at telephone number XXXX - hereinafter the " XXXX number '' ) in regards to a closed account. I was instructed that the people available on that line were not able to help me, but that I should call another department within Citigroup at telephone number XXXX ( the " XXXX number '' ). 

At approximately XXXX EDT on that same day, I followed the recommendation of the Citigroup employee, and placed a telephone call to the XXXX number. When an unnamed representative answered this call, she answered the call as " XXXX XXXX XXXX XXXX. '' As I had been led to believe that the XXXX number was another office within Citigroup, I was confused, and asked for clarification. 

After being assured that yes, I was in fact speaking with a representative of Citigroup, I proceeded to divulge personal details - including, but not limited to my name, address, and social security number ( or a portion thereof ). 

After divulging this information, I was informed that the telephone call to the XXXX number constituted an attempt to collect a debt, and that I was not, in fact, speaking with someone who had any connection to Citigroup. I was further told that XXXX XXXX XXXX XXXX is in no way affiliated with Citigroup, even though this directly contradicted the information provided immediately earlier by agents and/or employees of both Citigroup and XXXX XXXX XXXX XXXX. 

I believe that during the call to the XXXX number, an agent or employee of Citigroup did engage in unfair, deceptive, and abusive acts and practices, in violation of the Dodd-Frank Act. 

I also believe that their actions may have violated the Fair Debt Collection Practices Act, as follows:1. Violation of 15 U.S.C. 1692 ( e ), Paragraph 10 - " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; '' 2. Violation of 15 U.S.C. 1692 ( e ), Paragraph 14 - " The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The Citigroup employee either knew or should have known that the XXXX number was not, in fact, another department within Citigroup, and certainly should not have represented that it was. I believe that this unfair and deceptive act may have been sanctioned by Citigroup, pursuant to a forward flow agreement with XXXX XXXX XXXX XXXX, who periodically purchase defaulted consumer credit accounts from Citigroup.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: On XXXX XXXX I wired {$25000.00} from XXXX XXXX XXXX From XXXX XXXX To Coinbase ( individual Account ). They said the wire would be reversed because accounts didnt match. On XXXX XXXX I did NOT receive the money so I emailed to follow up, they said they were backlogged and would resolve soon. On XXXX I emailed again still No Money returned. On XXXX XXXX I emailed again included again all the info they needed. Where the wire originated how to wire me back. Ref # from the wire and still no REsponse. 

They have a customer support line but do not handle wire issues on phone, also waited 1 hr and no one answered. 

I am at wits end of what the next step. I have XXXX XXXX trying to help, but we have made no progress. 
I just want them to Wire my money back, Its almost a month. Ref # XXXX - wire ref #.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/Capital One Credit Car debt. It is being reported as settled. This company has not provided for me validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit determination

Complaint: I was denied a Barclaycard XXXX with XXXX Rewards. My credit score is XXXX. I have no criminal record. I was unable to solve the problem by talking to their agents. I filed a complaint. XXXX XXXX from Barclaycard responded and after much conversation told me that the denial was due to an old phone number on my application and that I would be approved for the card immediately when I applied. I thought the issue was settled. 

Since that conversation, I have received XXXX letters from Barclaycard saying they need further confirmation of my address. They want me to send an original utility bill. I was asked to do this and I did it when I first applied for the card. I additionally sent them a copy of the front page of my tax return. Then they wanted copies of the front and back of my social security card nad my driver 's license. I have received many credit cards and never been asked for any information such as this. Something is very weird and I want to know why I am being refused credit. 

I have left messages for XXXX XXXX twice and received no return call. 

I had a XXXX XXXX Barclay card at the time I originally applied for this card. So, they already had my information and experience with me as a credit card holder. 
I want to know what is going on. XXXX XXXX told me the reason for all this hassle was that I had put an old phone number on my application. I do not believe this is true. I would say my age or XXXX is the most likely reason for the refusal and that they hope to hassle me until I give up. My partner who is a year younger and has a lower credit score was immediately approved for his card.

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 09-07-2016 about Payday loan () with Cash Express, LLC (TN).
Issue: Can't contact lender

Complaint: I have spoken with the actual owner on more than one occasion, and have filed previous complaint here. Theses people will not stop calling my phone. We do not have any loans with them at all. They are continuing to call my phone. I want them to stop harassing me. I will obtain an attorney and sue for harassment if this is not stopped. The owner has assured me on more than one occasion that they would never call again, but they are still calling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Hi, my servicer MR. COOPER will be violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property if they proceed. 
I have mailed in a complete Request for Mortgage Assistance package with everything that MR. COOPER needs and requests to have deemed a completed package. 
Friday MR. COOPER representative advised that they have received a completed packet and it went to the underwriters on XXXX/XXXX/XXXX for review. 
Also they have not yet removed the foreclosure sale date which is scheduled for XXXX/XXXX/XXXX while the review is in process. 
MR. COOPER is saying that there is no sale date and the sale is placed on Hold but when calling and looking online it shows its still scheduled for XXXX XXXX, 2017. 

They will clearly be in violation of the California Homeowners Bill of Rights and other laws as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount {$800.00}

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 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a gym that i have not belonged to in 2 years and they are charging me after I cancelled my account. I have spoken to the gyms manager who confirms I do not owe the money but the owner will not call the credit collectors even after multiple calls to gym.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted CMRE to get a statment of my account at least 6 times. I have continued to make more than the agreed payment monthly but they have still not sent me a statement of my account showing payments or that they have been paid in full. I have no way of knowing what my current balance is if they do n't give me a statement with the interst calculation or the payments recieved. I have not recieved a statement since 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 10/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of XXXX, I ordered my credit reports as part of my annual routine to monitor my credit. I noticed an account on all three reports that I did not recognize, and disputed them via their respective web sites. I received a letter from Portfolio Recovery Associates on XXXX XXXX, XXXX in which they allege that I owe them this debt. I replied with a letter on XXXX XXXX, XXXX disputing this account and outlining their noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and 23 NYCRR 1.4 ( c ). They continued reporting this account to the three agencies and called me over a dozen times even though this account was in dispute. They replied with a letter on XXXX XXXX, XXXX in which they still did not prove that they are legally able to collect this debt. I sent them another letter on XXXX XXXX, XXXX outlining their violations of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and XXXX NYCRR XXXX ( c ) and their willful noncompliance with these laws. They sent me a letter on XXXX XXXX, XXXX in which they continued to claim they can legally collect on this debt without providing me any new information or documentation. In XXXX of XXXX, I filed a complaint with the Better Business Bureau against XXXX. Despite various communications from the BBB, XXXX has yet to remove this item from my credit reports, or to provide any believable evidence that they have the legal right to collect this debt. 
XXXX then sent documents to the BBB that they claim were sent to me, but these documents were never sent to me, and contained time stamps proving that they were just printed previously to being sent to the BBB. They intentionally tried to deceive the BBB by misrepresenting the timeline of these documents, as well as made false statements to the BBB about these documents being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Checking or savings account (Savings account) with U.S. BANCORP (MN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: US Bank sent notification in their XX/XX/XXXX statement that a $ XXXX monthly fee would apply beginning XX/XX/XXXX. I could avoid this charge if I maintained a {$300.00} minimum daily ledger balance. 
On XX/XX/XXXX, I deposited funds to bring my balance to {$310.00}. Therefore, my minimum daily ledger balance since XX/XX/XXXX was over {$300.00}. 
They took the {$4.00} service charge anyway on XX/XX/XXXX, stating that the minimum balance was {$260.00}, which was the minimum balance prior to XX/XX/XXXX. 
If the minimum daily balance requirement applied beginning at the start of my statement period ( XX/XX/XXXX ), it should have been stated as such. 

The {$4.00} is not the issue - if they did this to me, they did it to thousands of other consumers. The {$4.00} may be a bigger issue for them, and they may not have the wherewithal to fight it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2015 about Debt collection (Medical) with A/R CONCEPTS, INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never got a formal letter of debt. No messages left for what debt it was for. Finally I spoke with someone at debt collectors. They finally sent letter for debt. I sent payment in form of XXXX XXXX for total due.Never processed payment and placed on credit report as a collection. ( Please note I never answer my phone and/or return calls unless I know who is calling, too many scams ) If they would have sent a formal letter the XXXX time this payment would have been made. As when they did, when I finally spoke with them. I made payment right away within couple days of receiving the XXXX and ONLY Letter they sent.

Company response to consumer: Closed
Consumer complaint received 08/26/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Southwest Credit Systems is reporting an account that had been removed from their files. Last year, this account was deleted from all three credit reporting agencies for inaccuracies. Once an account is deleted for cause, it can not be reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: accounts discharged in Ch.XXXX still being reported on my file

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 04/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: my COMPLAINT IS WELLS FARGO HAS REFUSED to HONOR OR RECgonize REGULATION Z AS IT RELATES TO AN HEIR being place on a existing loan mortgage. I AM THE ONLY HEIR TO MY MOTHERS PROPERTY that was left to me via her will i am the executor of her estate and have met with nothing but lies and deceit from wells fargo loan number XXXX. Their stone walling has but one intent and that is simply to drive the home to foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Contacted Midland credit several times, I asked what the debt was and was told they do n't know as they bought the debt from another company. I explained I divorced in 2006 and asked if this could be my exwife 's debt. They did not know. I asked if they could send me any paperwork as I had zero debt. They said they only thing they could send me was a copy of the debt they bought, but nothing with my signature or proof of ownership. I asked them to remove it from my credit report and they said they could if I would send them a little money. This is very clear extorsion!

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Nationstar refused to discuss information on a short sale contract I was approved on to purchase.from them. Contract date XXXX/XXXX/XXXX to expire on XXXX/XXXX/XXXX. I requested an extension to close on XXXX/XXXX/XXXX because of extensive damages to the property from XXXX/XXXX/XXXX til XXXX/XXXX/XXXX. 
I was told they cancelled the offer because of the request. It states in my contract with the seller about damages when going to close. They refused to consider two contractors estimates of water intrusion and black mold clean up. The home is not habitable, It is rat and mice infested, cat and dog poop and urine everywhere, cat hair everywhere. 
Nationstar refused to talk to me even after they cancelled my contract. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The company of " common wealth '' phone number ( XXXX ) XXXX, stated I was being sued for a debt from 2009. This debt is no longer on my credit report. When I asked about this, he stated that the debt collection has been reopened and that I would be taken to XXXX courthouse. There is no courthouse in XXXX. He told me I had XXXX hours to agree to a payment otherwise my {$1300.00} debt would turn into {$5000.00} debt and they would garnish wages among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Struggling to pay mortgage

Complaint: Ditech approved our loan modification and then never sent us our forms to sighn.When we inquired about our forms they told us they sent them to our attorney.When we called our lawyers they stated they never received the papers.We called ditech back asked them to send the papers back to us instead of our attorney, they said they would do so asap, but before we could get the forms they foreclosed on our property.We have called Ditech numerous times they would never call us back.We took them to court but up till now we cant get any help I hope and prey that you can help us.Thanks I can be reached at XXXX or XXXX and my emailis XXXX.please call me asap we need your help desparately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage servicer, Specialized Loan Servicing LLC ( SLS ), appears to be acting in very bad faith and is attempting to wrongfully ( and fraudulently ) foreclose on my home. They have outright ignored written agreements, and are purposefully stalling the evaluation of my Home Affordable Foreclosure Alternatives ( HAFA ) short sale, so that I will miss the XXXX/XXXX/16 HAFA program deadline. 

I have consistently submitted all required documents in a timely manner, and have precisely followed SLS 's instructions ( both verbal and written ). SLS 's actions also reflect the illegal practice of " Dual Tracking '' as defined by their regulatory agency, the Consumer Finance Protection Bureau ( CFPB ). These are strong accusations, but only a brief review of the attached documents ( see highlights ) support my claim : 1 ) '' Change of Intent '' letter ( sent and received before XXXX/XXXX/16 due date ) 2 ) SLS 's HAFA Matrix ( downloaded from SLS 's website ) 3 ) Making Home Affordable ( MHA ) - Supplemental Directive ( SD ) XXXX, pg XXXX ) CFPB statement - illegal " dual tracking '' I would greatly appreciate any help in compelling SLS to act in good faith, and cease such deceptive and damaging practices. Please let me know if you have questions or need any additional items.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS IS A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM MY CREDIT FILE

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