milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with reekside Recovery And Capital Management (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I received 2 threatening voice mails over 2 days. On day 1, the man stated that his name was XXXX XXXX and that he was assigned to my area to deliver sealed documents and that he would be coming to house tomorrow and I " better make myself available and that he will seeing me soon ''. On day 2, the message said, " ( My Name ), I 'm coming to your job right now, I will talk to your supervisor or HR, then go to your house or relatives house to find you. You will answer the door and accept the documents or it would be documented that I am refusing ''. I XXXX the phone number that was left in the messages for me to call back, XXXX, and there are COUNTLESS complaints online from numerous consumers all receiving the EXACT same threatening messages. I decided to call the number and was very upset. Number connects to a company called Creekside Recovery and Capital Management, then connected to me to a woman. I was very upset and told the woman that I received threatening calls from her company, and I could not believe the behavior exhibited by the caller. The woman rudely replied back, Ma'am, Ma'am, Ma'am, is this " My Name ''. She obviously had caller ID, and when I said, yes, she told me I was being sued, but did n't go into specific details. I told her that was ridiculous and that they were to never call me again, and told her that I already reported them to police and FTC. She then hung up on me. 

Please do what you can to stop this. I have never in my life, felt so threatened. I still have the voicemails and played them for the police, who told me to ignore the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filed a dispute many times conconcering fraud on my credit report. I recently filed a police report concerning the fraud items   XXXX   and  XXXX  removed the items and block the company from adding it back to my credit report. Equifa x staff  members refuse to remove the items, continue to contact the creditor stating I must resolve it with this company, this creditor has tried to get me to send them a copy of personal information so they can establish proof of my SS and ID, this has damage my credit and ability in many areas of my life. It is outrageous Equifax is allowed to do this

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with Firstsource Advantage, LLC (VT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling. I have stopped answering due to the rudeness and threatening tone they use. Refuse to give me any information pertaining to exactly what the debt is and who from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: Loan number :  XXXX  Mortgage company :  Specialized Loan Service ( SLS ) B ought this property in  XXXX   2014  at {>= $1,000,000} ( with PMI ). 15 year fixed and I made some additional payment ( now, the outstanding principal is {$340000.00 } ( lo w to value ratio is below 78 % ). I sent every required doc to SLS and asked them to cancel PMI. They did another round  appraiser ( Broker Price Option, BPO ) and rejected my application. The reason is that they gave an estimated value of {$420000.00}. What they did is ridiculous : they compared my home with recent sal es with much smaller size and lower selling price. If they compared with similar model, no hom e ( same model as mine ) was sold below {$460000.00}. It is simply unfair comparison. Any one has basic  statistic training knows the the importance of picking right sample.     Plus,  XXXX  estimate for my home is around {$530000.00}. Even thou gh it may overestimates, I can not believe they came with this number.

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 06/19/2017 about Debt collection (Other debt) with Source Receivables Management LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  hired Sourc e Receivables Management to c ollect money from an account that was past due and they tried to threaten me with harming my credit and suing me if i did not pay even though i never ever had an account with  XXXX  and was not the person that owed the money I called  XXXX  twice to have them fix this problem and on the second call i was notified that the dept collector was notified on  XXXX   XXXX  to stop calling me and to cease and desist any dept collection from me today is the  XXXX  of  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Consumer Loan (Installment loan) with CITIBANK, N.A. (WA).
Issue: Managing the loan or lease

Complaint: We had a {$39.00} credit from a credit card company ( Citi Bank ) that was allegedly refunded by check on XX/XX/2017 that never reached us. 
We have called numerous times, talking to numerous agents and supervisors ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 11/28/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I leased a XX/XX/2013 XXXX through Ally. At the end of the lease we returned this vehicle in excellent shape ... over XXXX miles below what the contract allowed for. I inspected the windshild myself and it showed where a pebble slightly grazed off the windshield but it did not have a GLASS - XXXX '' issue as Ally 's XXXX party inspector stated. It took the inspector several weeks to go and inspect the car and the condition of the windshield may have changed by the time ( sitting in direct sun or other incidents not under my control XXXX the inspection took place. This is not my fault ... the windshield was ok ( no XXXX '' crack as Ally is stating XXXX when the vehicle was returned. Even the experienced salesman ( XXXX ) that took in the vehicle at the dealership made no note on this. He said they may " ding '' me on the tires if anything. I 'm willing to settle for {$250.00}. Ally wants to charge me {$500.00} which is completely unfair considering the vehicle was returned in excellent shape and XXXX miles under the contract allowable mileage. I have called and spoke to them at least 8 times including a supervisor who was completely unwilling to compromise. Now I 've gotten a letter from Ally with " Notice of intent to report negative credit informaiton ''. I work hard to maintain my excellent credit rating and made all my payment to Ally months before they were due ... I always paid ahead! You would think they would try and work with me for future potential customer business. 

XXXX XXXX, XXXX, TX XXXX XXXX Ally account # XXXX XX/XX/2013 XXXX ATS VIN 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 10-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other

Complaint: This inquiry was not me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Deposits and withdrawals

Complaint: A check was cashed and remained good until after two weeks. After two weeks Chase bank said the check was no good and that I owed them the money for the check they cashed two weeks earlier. The bank froze my account and I have n't used it since but this is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with Receivables Management Partners, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After reviewing my credit report XX/XX/2016 I noticed an unfamiliar collection account in the amount of XXXX. 
I called the listed CO to inquire. It was a co pay from a hospital visit that I was told would be taken care of ( I work at this hospital and was at work at the time of being seen ) Reluctantly I paid it and asked them why I did n't receive notice of this account .... They insisted they sent bills and notice but when i spoke to the hospital they had an old address .... 

XX/XX/2016 CO account updates to paid and score goes up a few points. 
XX/XX/2016 I re check my credit report and for unknown reason centeral finance reported again this month as XXXX balance thus re-aging the account. 

Several FCRA violation!! 
I have uploaded a picture showing the new reporting date

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 Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Other service problem

Complaint: XXXX XXXX, XXXX I was trading on XXXX ( XXXX ), a regulated US based crypto currency exchange platform. I was margin trading Ethereum/USD at the moment. Then there 's a huge price slippage happened and bring the price all the way down from $ 310+ to {$.00} in a matter of seconds, this slippage caused hundreds of margin order liquidations and sold my total ether holding as well as my wife 's on the exchange ( around 2100 total eth ) at {$.00} dollar per ether. The price then recovered right back to where it were $ 300+ quickly. I suspected that this is a huge market manipulation as well as some major technical issues on XXXX 's end. Other crypto exchanges did not experience this price crash during the time. Additionally, during the time the price was crashing, majority XXXX users were unable to login including me, in order to minimize our losses. Currently based on their XXXX feed, their VP claimed that their trading engine was working properly and no wrong doing. This is not acceptable and hundreds of ( if not thousands of ) users were affected. XXXX XXXX XXXX statement : XXXX : XXXX Offical XXXX forum affected users posts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a request for XXXX document for my condo on XX/XX/XXXX. I immediately emailed the proof of the policy to BBVA Compass provided email. In couple weeks I received another warning from BBVA to place a mandatory Wind policy on my account. I called BBVA and they did not have my policy email and emailed that again to another email provided by BBVA on XX/XX/XXXX 
I did not work again. I received a statement that BBVA has placed a Wind Policy insurance on my account and my payment increased starting XXXX XXXX. I called again and they still did n't have my insurance. I emailed the proof again on XX/XX/XXXX. 
On XX/XX/XXXX I received a mortgage statement still showing wrong amount due for XX/XX/XXXX payment. I called BBVA again and they confirmed they just " sent a request '' to recalculate the payment. 
This is truly not a fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: After the housing crash, house values in my neighborhood lost value rapidly and most houses became under water. XXXX tried to assist me in obtaining a loan modification, but the lender, Wells Fargo Mortgage, declined the application in XXXX XXXX. After Wells Fargo Mortgage declined two subsequent request for assistance through a modification, I offered to give up my home in a Mortgage Release or Deed-in-Lieu. Wells Fargo agreed to the deed-in-lieu of foreclosure, subject to me getting a Realtor to seel the property in SHORT SALE, if no offers, Wells Fargo promised to offer the deed-in-lieu after 120 days.Up to XXXX XXXX, my mortgage had been kept current despite Wells Fargo Mortgage 's refusal to grant a modification. 
After rejecting XXXX investor offers, Wells Fargo Mortgage forwarded my file to their attorneys, and foreclosure date has been set for XXXX XXXX, XXXX. My initial request for a deed-in-lieu was in XXXX XXXX. My Mortgage balance is $ XXXX, appraised value of property is under $ XXXX, and Wells Fargo advised the realtor that $ XXXX would have been acceptable in a Short Sale. There were no offers at that price. Why wasnt I offered a modification at $ XXXX? I would like to keep my home. 
Thank you for hearing me out!

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 05/16/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: We were contacted via mail and phone that we had failed to pay our XXXX 2015 mortgage payment. We advised that we had made said payment and faxed a copy of our bank activity print out to confirm that the payment had been sent, received and deposited. A few days later we were contacted again demanding payment and they had no record of a fax being received. We were told to contact another party to handle the missing payment and fax. When asked to be transferred to her desk/office ; we were told that she as unavailable and to leave a message. As of this date our messages have not been returned. Again we were contacted via phone and sent correspondence of our failure to pay XXXX 's payment. Again we advised that our payment had been sent electronically and we had our bank statement to verify same. We were given a address to mail the copies of our bank statement ; to which we complied. Again we were called and contacted via mail that we were in default and we had failed to make our payment. We advised that we had not only mailed a copy of the electronic check but had mailed a copy of our bank statement verifying that the payment had been made and received. 
On XXXX, we received a packet requesting that we fill out for third party authorization and assistance on our loan per our request for same. At no time have we made such a request. We have had nothing but trouble with this company since our loan/mortgage was sold. We have never failed to make our mortgage payment to Carrington or to XXXX and to have our mortgage sold to a what is nothing more than a collection agency that has numerous complaints for its deceptive practices is alarming. 
In addition, Carrington failed to pay out property taxes but insisted that they had ; it took 2 months to resolve this issue before the taxes were paid with a penalty. 
This company has sent written notice of its intent to pursue other action and to report this as a negative on our credit report. 
It should also be noted that our bank has also sent documentation/verification to Carrington that the payment was sent, received and deposited. 
After filing a complaint with BBB, we received written notice of intent to foreclose on our home. The correspondence stated again that we had failed to pay XX/XX/XXXX payment. Today we received documentation advising us of our rights under the Servicemembers Civil Relief Act. When will this nightmare end! We have done everything that has been asked and provided documentation that our payment was made. I want credit for my payment, removal of all late fees and charges and all if any negative information sent to any credit bureau be retracted/removed immediately. 

Based on this company 's history ; it should be investigated by the Attorney Generals Office, Federal Reserve, Federal Trade Commission and the FBI. We intend to file a complaint with each agency and legal litigation unless this is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: I contacted my present mortgage lender, Bank of America, to attempt to get my loan refinanced for a lower interest rate ( instead of my 6.5 % ). I spoke with a representative by the name of XXXX XXXX XXXX # XXXX XXXX. She advised me that Bank of America no longer does loans on anything with a VIN number. I have a mobile home that is on a fixed foundation with brick underpinning. The county tax assessor 's office classifies the property as Real property ( not personal ). The original underwriting attaches a lien to the land with the mobile home attached. In other words, the mobile home ca n't go anywhere. The fact that I have a current, good-standing mortgage with Bank of America, should entitle me to the same right I was afforded when they purchased by original loan -- the option to refinance at rates that are reflective of individuals with my payment history, credit score, and real value of the property.

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 07/15/2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir or Ma'am Our names are XXXX XXXX XXXX XXXX and XXXX XXXX. We applied for " Making Home Affordable " Home Loan Modification '' XXXX 2015 as we are experiencing financial hardship and responsible for XXXX of our sons who has a XXXX. We have been in our home 7 years. Our Mortgage is with CitiMortgage Inc. through Department of Veteran 's Administration VA Home loan. Citimortgage loan number XXXX. We have not received a decision on our Home Loan Modification application. This week we received notification of being referred to foreclosure. Just checking to see what options may be available to assist us in staying in our home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( 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 12-01-2017 about Debt collection (Medical debt) with Strategic Alliances, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Several times, since the month of XXXX ( XXXX ), I have been trying to reach out to XXXX XXXX XXXX, via email regarding a debt ( {$1400.00} acct # XXXX ) that they claim I owe. Said debt is being reported on negatively on my credit report ( s ). I have asked for validation of debt ( original contracts with signature, etc ) However, the company has not  complied with my request, of which should be honored by law. My reason for demanding validation, including my signature, is because I have had medical insurance for well of 10 years and I NEVER received any outstanding bills to be paid ( from said original creditor-XXXX XXXX ). Either the hospital did not allow enough time for the insurance to pay the bill or they never submitted one- but either way, I was never notified and these items ( IF PROVED TO BE MINE ) should not be reporting on 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allow my personal information to be hacked. As a result, my personal information has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (KS).
Issue: Trouble during payment process

Complaint: We were making extra payments in XX/XX/XXXX for what we thought was for our escrow because they were only having us pay XXXX XXXX a month for taxes ( INSANE ). Well that whole time that money was going to our principal instead. We did not catch this till the beginning of XX/XX/XXXX and they are telling us they ca n't do anything about XX/XX/XXXX extra payments to our principal and so we now went from a {$1000.00} mortgage payment to a {$1700.00} mortgage payment when it should n't be that way because they had a couple thousand dollars that was supposed to be used to be pay for the escrow when they finally figured it out but instead that went to our principal. We have called at least 10 times and asked to speak to a supervisor and not once have we ever gotten a phone call back. We just want the money transferred from XX/XX/XXXX that went to our principal to our escrow. It is OUR money and instead of just doing it they are putting it off hoping we will forget/telling us they ca n't do it, which is a lie

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