milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Got a call from a XXXX XXXX who said she is a case manager for Portfolio Recovery Associates LLC and has a business matter to discuss. She stated that I owe a balance of XXXX for a unpaid XXXX XXXX bill. She stated that I needed to pay the balance in full and that I have 24 hours to pay or legal actions would be taken against me. I explained to her that I do n't have XXXX dollars and what could she work out with me. She said I ca n't work out anything with you unless you have the full payment. And she said well guess we 'll see you in court and we 'll get our money as we will file a motion to garnish your wages. And then she hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This cell phone debt is not mine. This debt originated with XXXX who sold it to XXXX XXXX XXXX ( who deleted the debt ), XXXX bought it back, and sold it to Convergent Outsourcing who said that they had no information on the debt at all to even collect. <P/>PLEASE SEE COMPLAINTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Convergent As a consumer, I should not have to jump through loopholes to see who owns the debt and try to track creditors down. <P/>Debt not validated with any original documentation to include my signatures.

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 Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX / XXXX / 17 , I submitted a complaint to the CFPB in regards to an unverified debt. The company provided un-signed documents indicating I had a loan with a company via online. However, there should be other identifying information related to this account and this company has failed to provide. As part of my complaint the company stated a deletion was being submitted and the information should be removed from my credit profile within 30 days. As of today,  XXXX / XXXX / 17 , the account remains. The complaint in which this company responded is  XXXX  and the company stated " In consideration of the consumers confusion, and as a gesture of good will, we will issue a deletion to the bureaus on this account. Please understand that once we have issued a deletion to the b ureaus, it may take up to 30 days for entry to fall off of the consumer 's credit history. Please let us know if we can be of further assistance ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Account Opened in Fraud I reported my XXXX ' Store Card stolen in XX/XX/XXXX. I was mailed a new card and the charges from the card reported stolen were transferred to the new card. In addition to this I did not receive statements from XX/XX/XXXX - XX/XX/XXXX. And my website account was frozen which means I could not view my account on the website. At the same time I reported my card stolen I could view statements which were not mine however once I reported the theft all account information was removed from the website which makes it hard to prove to police what is happening. 

The dispute has been ongoing for over a year in violation of the law. 
I received a statement in XXXX for a XX/XX/XXXX charge which is not mine XXXX. I also was overcharged for items which I promptly returned. 

In addition to the harassment ; not knowing what is going on for six months and not receiving statements, XXXX ; XXXX has not been reporting the store account to the three credit bureaus. I have a XXXX Account with a XXXX credit limit which now has a XXXX fraudulent balance which consists of XXXX in charges which are not mine and the remainder in interest which should not accrue during the period of the dispute.

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 05/18/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hunter Warfield is reporting a debt on my credit reports without giving any prior notification or validation of debt. I 've disputed this debt with the credit bureaus as I have no knowledge of it. Hunter Warfield has not given any validation of this debt and has not notified me of any rights I have as a consumer to dispute said debt.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Dear Sir/Madam I submitted my payment to citi cards on XXXX/XXXX/XXXX through my on line payment. My citi card account number is XXXX for the amount of {$590.00}. When I made my payment my bank ( chase ) had different address for citi cards so it went into a different account. This a/c was my wife 's a/c which was closed due to credit consolidation. That a/c number is XXXX. I contacted the citi card member and they said it will take 30 days to resolve this issue. I called after 30 days and they said they have not heard anything about this issue and they are going to make new inquiry and it will take 2 more weeks. I waited for 2 weeks and called them again and they said again there was nothing noted regarding this matter and they want to start a new inquiry and will return my money after they check it. Kindly help me regarding this matter. They are calling me about not making a payment but I already made a payment on XXXX/XXXX/XXXX. 

Transaction Information : Biller ID : XXXX Payee Name : XXXX XXXX XXXX XXXX # : XXXX Payment Amount : {$590.00} File Transmission Date : XXXX/XXXX/XXXX XXXX PM Payment Effective Date : XXXX/XXXX/XXXX Trace Number : XXXX Transaction ID : 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 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NV).
Issue: Money was not available when promised

Complaint: This morning I tried to send all of my XXXX from Coinbase to a hardware wallet. I always send a small amount first to make sure the address is correct and that transaction was instant but when I tried to send the rest, XXXX XXXX at XXXX PST to XXXX it 's just sitting in the " PENDING '' status. Coinbase has no customer support you can even contact about this issue but on the support part of their website this is what it tells you, " If you sent litecoin from your Coinbase account and it 's still pending, this may be an error on our end that we 're working to resolve shortly. Please know that your bitcoin is safe and will be broadcast to the bitcoin network soon. We definitely appreciate your patience! ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have attempted to get this inaccurate judgment removed from my Equifax and XXXX credit reports for months. They keep referring me back to the courthouse and when I contact the courthouse, they are indicating that they did not report nor do they do any reporting to the credit bureaus, so they ca n't help me. 

The staff at the courthouse also provided the above information in writing. After submitting it to XXXX and Equifax, they still refuse to remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with syncrony bank/ XXXX  XXXX that is in collections and showing up on my 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 12/20/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have previous complaints regarding this mortgage with PHH. I saw a response from PHH that listed a XXXX as a contact person. We had never been referred to XXXX through this process. Icalled XXXX on XX/XX/2016 and explained our situation. He toild me he was the supervisor in charge of all of PHH 's loan modifications. He said he would look into our issues and get back to me in a few days. I had not heard from XXXX so I called him on @ XXXX PST XX/XX/2016 and he told me that he was working on our loan modification and would have it finalized in a couple of days. He said he would reinstate our loan modifications and that we would have to bring the payments current from XX/XX/2016 to present. I said that would be fine. XXXX is when PHH stopped accepting our payments. XXXX would have been the first regular payment after the trial period. They had accepted two trial payments and the first was accepted by XXXX the previous servicer. XXXX told me that he would get back to us with the paperwork soon to get this resolved. 
Not hearing from him I called on XX/XX/2016 and left him a message asking about our loan. After no response I called XX/XX/2016 @ XXXX PST and left him a message asking about our loan and asked for a call back again. I called XX/XX/2016 again left a message to call me back please. After no response I called again XX/XX/2016 @ XXXX PST and again left a message to please call. With again no response I called this morning XX/XX/2016 and left a message to please call me. We feel we have no choice but to make another complaint. After the encouragement we we received from XXXX from our initial contact with him we are very distressed in the fact that we have not heard from him again for over 3 weeks. 
Phh should have stopped reporting negatively to credit agencies as of XX/XX/2016. They are still reporting negatively to credit agencies and this is negatively affecting our life in many ways other than economic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I have no knowledge of usaa credit card for a credit limit of XXXX dollars back in XXXXand I would like it removed as it 's reporting to the XXXX and negatively affecting me

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 08-06-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Mortgage constantly mismanages my loan. I received an increase in my monthly mortgage amount with no prior notice. I received a letter in the mail today telling me that my insurance ran out and since I have not secured proper insurance they have secured insurance on my behalf and are charging it to me. I purchased a townhouse where the insurance is covered by the HOA payment. I am current with my HOA payments and therefore have proper coverage for my townhome. Caliber seems to have a difficult time managing anything about this loan. During the lending process they were supposed to collect enough within the escrow to pay both HOA accounts on this property. Upon closing and because they kept changing the closing documents due to mathematical errors, they took out the escrow for the XXXX HOA 's and only took out enough for the taxes. They did not notify me of this and I found out two months after the HOA 's were not paid as they were supposed to be. I also found out that instead of paying at closing both HOA 's Caliber only paid XXXX until I threw a fit at their mismanagement of the account at which time they paid the missing HOA dues. The insurance situation is just another where Caliber obviously can not manage an account properly and I want my loan sold to another mortgage company that can manage it properly. 

I expect and demand that Caliber Mortgage refund the increase in monthly payment and all charges they assessed to me based on their false accounting of lack of insurance. They had all documents proving that the HOA covered the insurance in a more than sufficient manner to the point that at closing I did not have to show them my own policy for personal possessions. Because the closing did not require this coverage and the HOA continues to cover me ; this mistake needs to be reversed and cleared up completely. Caliber just needs to sell my loan and get me XXXX away from them!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a small loan then lost my job, not even 2 days after the loans was to be paid back i got a very nasty threatening email saying they were going to garnish my check and take me to court and charge me almost XXXX! i didnt even borrow {$1000.00}! I dont know what to do or what they can even do. But never go through ace, they are a horrible nasty company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: My husband and I had a mortgage with Wells Fargo Home Mortgage beginning XX/XX/XXXX the property was completely destroyed in Hurricane XXXX XX/XX/XXXX. Wells Fargo also received the proceeds from my insurance policy to repair the house. The home was foreclosed on XX/XX/XXXX or XX/XX/XXXX. My husband and I received a citation from The City of XXXX XXXX because the house is a blighted property so when I contacted The City of XXXX XXXX regarding the citation I was informed by The City XXXX XXXX XXXX that Wells Fargo never record the house as being foreclosed on and that my husband and I are still the legal owners of the house. I then contacted Wells Fargo Bank in regards to the mortgage Wells Fargo is stating that they have no record of the mortgage. I then hired a title company to sell the property. The title company then completed a title search on the mortgage it was found to have an open mortgage with Wells Fargo. I then reached out to Wells Fargo again asking for the pay off quote or the release of the lien and Wells Fargo still insist that there is no documentation for the mortgage. My husband and I have been going through this for the past 10 yrs with Wells Fargo concerning this mortgage. We have been fined by the City of XXXX XXXX because of the condition of the property, XXXX, and Werlls Fargo is still refusing to assist us stating that they have no documentation for the mortgage.

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 06/18/2015 about Mortgage (FHA mortgage) with loanDepot.com, LLC (FL).
Issue: Credit decision / Underwriting

Complaint: I applied for loan to purchase a home from a mortgage company calls : XXXX. I submitted all the documents and information that they requested from me and my wife to apply for this loan. All the info. and docs. submitted to them by us were 100 % true and accurate. They approved me for a loan and provided me with the pre-approval letter, and they told me go a head and shop for a home. I hired a realtor and we found a house that we liked it and fit our budget. We met the realtor in the dream home to sing the papers and give him the certify check for the title meanwhile, my XXXX children planning how to furnish their room, at this memorable moment, I received a phone call from the company " XXXX '' telling us sorry we can not have a ( FHA ) loan until XXXX XXXX 2015. It is hard to describe the shock especially, in my wife. Those people they create a fake joy for people and take it from them by a just tiny word : sorry. I believe this is so wrong and needs to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Billing disputes

Complaint: USAA Mastercard cancelled my card in late XXXX as a precaution against fraud and sent me another card. In the process those that had been on auto pay had to be contacted and given the new card number. I opted not to renew XXXX for auto payment. When XXXX called they were told their services were not wanted and to stop billing USAA Mastercard. This conversation occurred XXXX times, I do n't want your service stop billing USAA Mastercard. USAA Mastercard has been told a total of XXXX times ( XXXX on the phone and XXXX times in writing ) charges from XXXX are not authorized. USAA continues to accept billing on the account they closed. This has been happening monthly since XXXX 2014. USAA 's position is " this is an active account. '' I asked the adviser to the CEO, XXXX XXXX, 'How many times do I have to cancel before USAA Mastercard will consider the account closed? ' XXXX XXXX ' response, " you need to contact XXXX and tell them you do not want their service. '' USAA Mastercard can not answer the fundamental question of what it takes to cancel preferring to charge me interest and penalties on credit card they closed from an account I did not renew and on multiple occasions told them to stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In obtaining my credit file from EQUIFAX Credit Reporting, I saw where they were still reporting a Chapter XXXX Bankruptcy that was filed XXXX. I disputed this because it has been 7 years, 6 months and they are still reporting this case. The filing of the bankruptcy was never in dispute. Bankruptcy cases has always been removed after seven years from the file date.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (SC).
Issue: Problems when you are unable to pay

Complaint: Back in XXXX I purchased a car from JD Byrider in XXXX Ohio. Shortly after I was one day late in making a payment and the vehicle was repossessed. I received disputed the information that was on my credit report in XXXX after I relocated to South Carolina after I received a letter from a collection agency regarding this old car loan. I was contacted by a lawyer from JD Byrider who could not locate any information on my loan from XXXX and informed me that they were not able to locate any paperwork on me since the original creditor is no longer in business. I received a call today from a company called XXXX XXXX XXXX who are trying to collect on this debt that no one after all this time can one prove I still owe. I still have yet to receive a copy of the original contract and disposition of the sale of the vehicle in accordance with Ohio XXXX. In addition this company has stated that they will sue me over debt that was long past the statue of limitations in Ohio as that expired in either XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with NCB MANAGEMENT SERVICES INC (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: NCB Management ( XXXX ) was deleted from CR and then re-added without any notification. Added as a new collection which is not true. Also Incorrect Balance owed reporting

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I recently got a new card from XXXX but i been had an account with them, i didnt know that they changed my account number also. So i open a credit card with capital one, i paid my bill with my bank card but i use the account number that i had on on file when i first opened my XXXX, i didnt know XXXX  tgave me a new account number they never notified me. So i used the account number to pay my capital one credit card bill and disnt notice till after it wasnt going through so i called XXXX and asked them whats going on and they told me they gave me a new account number so now I finally found out i got a new account number i used it for my capital one credit card bill, it went through to only found out they close my account without warning me and telling me the payment wasnt going through i begged and cried for them to open it back up because i really need it i pay my rent with my credit card but they did not care

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Wachovia Bank, which I 've never held an account at called me telling me that I owed them money and fees for a negative balance. They were rude, cursing, and threatening me with a subpoena to appear in court. Somehow, they contacted my step mother, step sister, grandmother, and myself regarding this false information. The phone number they called from is XXXX, but they left a return phone call number on a voicemail of XXXX. This is harassment and it needs to stop.

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