milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Billing disputes

Complaint: A charge appeared on CapitalOne credit card that I did not make. Received email from CapitalOne asking if it was valid. I told them it was not. They told me to get the merchant to get it removed. When merchant did not, CapitalOne told me to prove it was not mine. I did so. Then CapitalOne sent me a letter telling me to " get a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected and what that will cost. '' If I did not send that to CapitalOne along with many other requests already provided, the case would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had ongoing issues with Carrington Mortgage Services managing my mortgage. Twice in the past 6 months they have misapplied my mortgage payment to another account and wrongly reported my account as being late to the credit reporting agencies. As the accompanying documentation shows, they received and cashed the check for my payment on XXXX/XXXX/2016 and still have not credited the payment to my account. After their last error they promised to immediately refund the late payment charges that I paid, a home inspection fee that they charged me and they were to have reported the correct payment information to the credit reporting agencies. as of this date. none of these actions have taken place. Carrington Mortgage Services should be suspended or barred from administering VA loans until a complete audit of their accounts is completed. As XXXX XXXX veterans that have served this country well, we deserve better than this

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX negative reports on my Transunion credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update 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 06/15/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Other transaction problem

Complaint: on  XXXX   XXXX ,  2017  I initiated a transfer  via Western Union fo r {$1600.00}  ( mtcn  :  XXXX  ), upon completion of the transaction, the  IFSC  code was incorrectly shown, therefore contacted the customer service rep and he told me to wait until  XXXX  as someone will contact me to correct the problem and if I am not satisfied with the wait, he asked me to cancel the transaction and I did cancel the transaction. I initiated another transaction via transfast and they asked me to provide driver license, bank ownership proof, passport copy and the transaction was completed. In the meantime, on  XXXX  I received the email from Western union that the transfer was complete. I was shocked as I have already cancelled the transaction a nd the IFSC nu mber was wrong and no one verified my identity. Contacted  CSR  and they told me that money will be returned as they can not see a transaction using my email id and transaction is available on  XXXX , therefore they still had 2 days to cancel the transaction before reaching the destination.  Case  no :  XXXX . On  XXXX / XXXX / 17 , received mail indicating that the transaction was effected with all the rules and procedures followed. How a leading wire transfer company can send money to other country without any validation? Now I understand, how  XXXX  is collecting millions of dollars from outside their own country. I was sending this money to a unknown person based on information given to me by my brother-in-law ( as he owed money to hi m ), now  he has double the money in his hand.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Phoenix Financial Services LLC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from PHNX FINAN. I had previously disputed this account. I have never done business with PHNX FINAN pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PHINX FINAN Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PHNX FINAN Cease and Desist all further communications and collection actives and provide the verification of the purported

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquiries on my Equifax credit report that I did n't authorize or recognized. These are the following hard inquiries XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX ), XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX GA XXXX XXXX XXXX. Also identify theft was played at fault in many of these unauthorized accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They keep calling all my family members and parents and telling them to tell me to get a lawyer and should not be going over my business with all my relativesWhen they call my cell never leave a message they threaten on the phone using scare tactics - and asked them to not call family members but they do and family members just hang up on them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Back in 2015, I was taken advantage of emotionally when my dog suffered a XXXX XXXX. I took him to the hospital where I was informed they would only take payment in full, up front, and without letting me use my chosen form of payment. I was directed to XXXX XXXX as my only option and opened a line of credit. After many months of payments on time and at least the minimal amount requested, I had to move across country ( from XXXX to XXXX ) in order to secure new employment. Prior to leaving my house, which was since put up for sale, I paid up front, at least 3 ( {$750.00} ) months worth of minimal payments, with the impression that would satisfy them until I stabilized in my new location. This was not the case, as they 've reported a missed payment from me to the bureaus, toppling my 700+ score by at least 90 points, nearly denying me a loan I required to close on my sale of property, and forcing me to seek a predatory loan to cover costs by putting my car as collateral. On top of that, I 've received at least 2 calls per day, including today, XXXX XXXX, trying to collect. I have mailed a paper check to them on the XX/XX/XXXX, which is due before the next statement period.

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 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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 03/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Payoff process

Complaint: I recently paid off a credit card that I had with Capital One. I noticed via my online account that the payoff amount was n't posting to my account even though it was withdrawn from my bank account the following day. It took over a week for Capital One to post my payment. Other payments in the past posted the following day. This one however did not show posted for six days. That was enough time for Capital One to then charge me XXXX dollars of interest, which I noticed today. When I asked for the 2nd time why they were holding the payment, which they had never done before, I was told they do that sometimes. I asked what are reasons for doing that sometimes and not all the time? I was not given an answer. 
The person kept repeating themselves as if they were a robot. The super- visor did waive the interest charge but would n't answer my questions as to why my payment could be held for an amount of days " sometimes '' and other times not. I feel that when payments are made to accounts to pay them off, they hold those funds and do n't post them to the account for a number of days so interest can be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The recent Equifax security breach has put myself and millions of others at risk. Their negligence has cost me time, security, money, and peace of mind. Not even freezing my credit is enough to protect me. This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

In addition, very little was done to notify the public for nearly a month after the breach. No email, letter, or phone call was sent out and instead I found out about it via social media. Equifax handled reporting this breach very unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My Mortgage company PHH, located in New Jersey sent me a letter stating that due to my equity in my home ( {$300000.00} ) and my excellent credit I qualified for a refi at a terrific rate, please call. I called because this would also pay off my bills. I talked with an agent XXXX XXXX. My main question was " whats the interest rate '', I believe currently I 'm at 3.84 %. He had to have my SS number which I hated because it will show on my credit report. He looked and came back with a little over 4 %. I agreed to proceed. He asked for a credit card number which rattled me. Why? He said in case I DECIDED TO DROP out of this offer it covered their costs. I asked him again to be sure we were clear. He then forwarded my info to a XXXX XXXX who asked for all kinds of forms - the normal forms. I receive Royalties for lease and gas/oil in the state of Oklahoma. I get XXXX 's but getting a contract showing what I would receive for the next three years was near impossible. No one understood what I was talking about. SO I informed XXXX if they had to have this and I would be rejected to be sure to remember I was told that I would not be charged the {$730.00} fees on my card. She never answered me on that question/statement. I have all the email 's as proof. I was charged yesterday on my credit card. I wrote XXXX stating why? I also have not received anything in writing that my refi was rejected. She wrote that my refi was denied because of the inability to get continuance on my royalties. Even a job can not give continuance. What I did receive from PHH was another letter stating that due to my excellent credit and equity in my home I qualify for a loan on my equity. What kind of scam is this place running??

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint with the CFPB in regards to Bank of America. I am filing another complaint against them for the response I received. Initially I had included the 2nd mortgage in my bk which was discharged. Later I was told that the lien for the XXXX remained in tact and that I was responsible but the property was not. That I could live there, not pay -- - but if I sold or moved, I would have to. 
My complaint with BOA is that when I called to resolve this issue, I was told that unless I short sold the property BOA does not settle balances, does not waive fees and does not wave late charges. 
I want to stay in my property, I do not want to short sale. I can not pay 7 years of late fees, and 7 years of past due interest. They are trying to charge me $ XXXX in fees. If I am not responsible for the debt, why is it me they want to charge these amounts to? 
MY ORIGINAL COMPLAINT # 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 04/15/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I applied for an Income-driven repayment plan on Studentloans.gov, and Nelnet confirmed receipt XXXX/XXXX/XXXX. Nelnet 's website and IVRU state the status is " pending '' and, if pending, I should allow 3 business days for it to be processed. It 's still not processed as of XXXX/XXXX/XXXX. I tried to call but was getting the run-around. My husband had a similar experience with a different loan servicer. He completed loan rehab in XX/XX/XXXX or XX/XX/XXXX and subsequently requested the IBR/ICR forms. He completed them and sent in multiple times, but everytime he talked to them, they said they either had n't received it or it was still processing. In the end, we gave up. I thought it might be different now with the streamlined online process, but it seems not. Are they waiting on me to default? They keep sending me emails and posting on XXXX how they can help if I 'm behind by arranging a new repayment plan, but there 's no follow-through. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I tried to return a defective product ( XXXX ) to Best Buy, but was told I was a few days past the very short return period ( 1 month ). I elected to pay only the minimum payment on my card until the issue was resolved. In spite of my XXXX notices to the credit card co., I was charged late fees which they 've refused to remove.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On or around  XXXX  2017  a fraudulent credit card application was submitted using my social security number.  <P/> After receiving a letter from  XXXX   XXXX  confirming the fraudulent activity. I contacted the  XXXX  credit reporting agencies for copies of my credit report for review of any other unusual in formation on my report. I received copies from  XXXX  of the  XXXX  bureaus   XXXX   and  XXXX .  <P/> AS of this date  XXXX -2017 Equifax have not responded back. I forwarded a written letter as well as a confirmation letter of the fraudulent activity to Equifax and has still not had a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Consumer Loan (Installment loan) with VNU Group, LLC (AZ).
Issue: Taking out the loan or lease

Complaint: XXXX a division of Pacific Credit Group in XXXX XXXX extended credit to me for a computer. The account was setup and I was originally told I would receive the item within a week. When the week passed and there was n't even an approval or tracking information I called and was then told it would be 7 - 10 business days before my item would ship. Since I needed this item for work I requested the order cancelled. I was told the order would be cancelled and I would not be required to make the first payment. I called several times over the next week and was assured my cancellation was noted in the system and the order was cancelled. However, it has been almost three weeks since then and the payment was taken from my bank account, The item still does not show cancelled and I can not reach anyone in charge as a manager. I was transferred to escalation department. I reached voicemail which said it was full and to call back later twice. I will be filing with my bank to reverse the charges but they told me it would be about 10 business days to get my funds back if I do, and I may not be able to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (SD).
Issue: Other service problem

Complaint: switch two step verification to authy worked the first time but never again. 
have called and been hung up on. 
have emailed but not response have used the computer camera to verify my identity but got no response. 
What in the world is going on with you? 
I just want to log in to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Payday loan) with Integrated Recovery Services (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The company, Integrated Recovery Services , Inc. has been calling me 3 to 4 times per day, they are calling my brothers and leaving messages at least twice a day now. I called them and asked that they send the debt in paper form, through the mail. I still have not received this. They sent me an email with a document and request to submit payment. When I asked that they stop contacting my brothers, they agreed, and then proceeded to call them again the next day. I have contacted an attorney, and have them drafting a Cease & Desist letter now. One of their agents threatened me, blatantly saying, " I will call your whole family, I will make your life a XXXX! '' This man 's name is XXXX, he would not give his last name. He has threatened to call my employer ( I am unemployed anyway. ) He has threatened to " charge me with XXXX counts of fraud, '' twice now, and has referenced XXXX different counties. They have called me at XXXX XXXX and have been calling multiple times per day. They have an " F '' rating with the XXXX, and horrendous reviews by other people they have harassed. I want them to cease contacting me, and end their illegal methods.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Credit card debt) with Radius Global Solutions LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX ending in : XXXX. The account is a fraudulent and unauthorized account. I have never applied for an XXXX XXXX credit card account. The account and debt isnt mine and dont belong to me. The account has been transferred to XXXX XXXX XXXX XXXX for collections. I have been receiving harassing telephone calls at XXXX XXXX daily from representatives from XXXX XXXX XXXX XXXX using abusive and profane language, making death threats, threats of taking legal action and me going to jail. I informed representatives from XXXX XXXX XXXX, XXXX that I am a victim of identity theft and the account is fraudulent, unauthorized and dont belong to me. XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Our client XXXX ( XXXX ) XXXX applied for a short sale through Nationstar in XXXX of 2014. We have had XXXX offers to present to them since the beginning. Instead of reviewing and submitting offers to the investor they continuously put the home on an Auction website called XXXX to solicit for other offers. This is a scam for Nationstar to continue to milk the servicing of this loan and eventually foreclose. They have not received any better or higher offers and they have scared away every buyer we have had by asking them to pay the full offered price plus 5 % on top for a service no one wants to use. Why would a Buyer we have already procured go and bid on a home and pay more for the house? Whats ends up happening is they offer less to make up the difference in the cost. In addition XXXX sets the opening bids low and congratulatesBuyers when they " win '' the Auction. Then the bank turns around and tell us the bid was too low and the investor rejected the offer. We asked that they stop this useless practice and look at the offer at hand, they refuse. They have been sued in the past by other parties because of their fraudulent practices and we are asking that you reach out to them and request they take this matter very seriously. They are wasting the sellers time, every buyer who has come along, our time and the time if their investor. Thank you for your assistance!

Company response to consumer: Closed with explanation