milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with Critical Resolution Mediation LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call from a  XXXX   XXXX  at  XXXX , stating that a case has been filed against me in  XXXX   County Court fo r some unknown debt. Upon checking the Clerk of Cou rts Online d atabase of filed cases nothing. I do n't know who these people are, who they purportedly represent. I just wish the CFPB would do their job and prosecute these people for their numerous violations  of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Problems caused by my funds being low

Complaint: We are Regions Bank customers ; Account # XXXX. Last Saturday was the XXXX of the month, and Regions ' " Helpful '' FEE GENERATING SOFTWARE kicked in. 
Our Account was debited for 3 large Bill Payments to a. ) my Credit Union XXXX {$400.00} XXXX b. ) to my Electric Bill XXXX {$270.00} XXXX and c. ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX. 
Last year, each of these payments had been re-set by me, with the personal assistance of one of Regions ' associates, for after the XXXX of the month, howeverRegions ' FEE GENERATING SOFTWARE paid them early on XXXX XXXX. 
What 's more, NSF FEES have hit our account in the amount of {$100.00}. 
Today is XXXX XXXX, and while the {$400.00} payment debited by Regions on the XXXX, no such payment has been received by XXXX XXXX as of this moment!. 
In addition, XXXX XXXX XXXX has charged me {$27.00} for NSFs reloating to not having received the {$400.00} payment, debited last Friday!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I am making this complaint on behalf of my mother. She is  XXXX   years old  and suffers from  XXXX . For the last year or so she has been   XXXX   XXXX   XXXX   XXXX    by one of her home health aides. Her credit cards have been stolen, and there are over {$13000.00} dollars of charges on just  XXXX  of her credit card accounts that were made without authorization. I have a full DPOA and was successful in canceling the cards, however, I have tried working with the bank since  XXXX  of last year, but they refuse to discuss with me or act upon the account despite my having sent them a copy of the DPOA. Further they are harassing with dunning calls and letters to my mother which are very upsetting to her.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT VICTIM XXXX POLICE REPORT VIOLATION OF MY RIGHTS AS A CONSUMER REPORTING INACCURATE INFOMATION

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice from Ocwen Loan Servicing saying they had discontinued the service that had made automatic payments from my bank account via ACH. This notice came very close to the time my payment was due and contained a form to initiate ACH payments. I filled out the form and returned it the day after I received it and before the next payment was due. Ocwen rejected the payment saying I had to pay the loan 30 days in advance for them to activate the payments. This was something I did when I originally set up the Automatic ACH payments they just discontinued. The issue was escalated to an " escalation manager '' who suggested reversing the extra principal payments to allow the ACH payments to be set up. He did this and then told me I had to go to their website to set up the payment. Their website will not allow me to log in, allegedly because the zip code does n't match the loan number on the account. The Zip code and account number were entered as instructed by Ocwen. I have sent them multiple letters and they reply with a form letter telling me to enter the correct information. In doing this, they have caused many of mortgage customers to be late on their payments and if they did this to thousands or hundreds of thousands of customers, they have heavily profited from their inappropriate actions and the extra payments provided them with a very large boost of capital that may or may not be actually benefitting the customers accounts. So Ocwen said they would n't make any more payments that had been ongoing via ACH for years and in the same letter said I could set up an ACH Payment but ONLY if I pay them payments that are n't due for a month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ENHANCED RECOVERY COMPANY # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY 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 ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (ME).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: PIN CRED SERXXXX XXXX 2013Closed {$820.00}

Company response to consumer: Closed
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have repeatedly requested for documentation from XXXX to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Equifax. Equifax informed me that their investigation consists on them taking the word of XXXX that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the XXXX company at their word. XXXX is subject to a True Consent order imposed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I have an account with coinbase for cryptocurrencies such as Bitcoin, Ethereum and Litecoin. I have over $ 20k in my account. Two weeks ago my security was compromised so Coinbase locked my account. Since then I have not been able to get support or access my money to trade on information. I have escalated through every available channel including XXXX daily and received one support email to my ticket that asked me to repeat my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.

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 07-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am a resident of the state of Texas and sent Enhanced Recovery a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on XXXX/XXXX/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: yes XXXX XXXX useing my ssi information for this credit card fraud on my credit report address u need contact her 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 02/28/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently reported an error in my credit file with XXXX regarding a mortgage with Chase Mortgage Services. XXXX came back stating that the item was verified and reported correctly, when in fact, I sent them documents to prove my dispute. Chase is reporting a mortgage in the amount of {$220000.00} obtained in XX/XX/XXXX for an investment property located in XXXX MD as included in bankruptcy when it was not. Further, on XX/XX/XXXX, the loan was transferred to XXXX for servicing and no longer serviced by Chase. Chase and XXXX both have failed to update my credit files accordingly. I have sent a letter to Chase and to XXXX ( again ) requesting that they update this information immediately. I 've attached a copy of my letter to Chase Mortgage along with evidence that this loan was exempt from my Chapter XXXX filing in XX/XX/XXXX as well as a copy of the letter they sent confirming the transfer of the loan. I request that both Chase and XXXX update my credit file as noted on my letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Unsolicited issuance of credit card

Complaint: I noticed CITI CARD XXXX ... XXXXXXXX XXXX XXXX XXXX, SD, XXXX. They are on my credit report ..its says ive had them since 1989 and have been making payments since then and still am. I do not get a bill for this company nor do I pay XXXX so I dont know why its on my report and why it shows I make payment and ive had it since 1989

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 03/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This rude " company " ( and I use that description lightly ) PORTFOLIO RECOVERY keeps harassing me. They are reporting on my credit report saying I had a credit card with XXXX XXXX. I 've never had an account with XXXX XXXX. Back in 2004 my purse was stolen and I 've had to watch my credit report like a hawk. They are also re-aging the account which is also AGAINSTTHE LAW. FURTHERMORE, PORTFOLIO RECOVERY CANT AND WO N'T FURNISH PROOF WITH SIGNATURES. THEREFORE, PORTFOLIO RECOVERY SHOULD CEASE AND DESIST WITH FURTHER CONTACTING ME, DELETE THIS FROM MY CREDIT REPORT AND AGREE TO NOT RESELL THE DEBT OR LEGAL ACTION AGAINST PORTFOLIO RECOVERY WILL BE SOUGHT OUT! 

THIS ISSUE NEEDS TO BE RESOLVED AND REMOVED WITHIN 15 DAYS!

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. (NH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is a complaint as per the Equifax data breach occurring from XX/XX/XXXX to XX/XX/XXXX, affecting more than 100 million Americans. I am one of those > 100 million Americans impacted, as per the results from checking [ https : //www.equifaxsecurity2017.comXXXX ]. 

I must now assume all of my incredibly sensitive private information is now available publicly, which fundamentally undermines any sense of trust or safety in the whole of the financial ecosystem.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Been fighting with CitiMortgage for a modification since XXXX ; Hired an attorney to assist ; Modification keeps increasing amount due which is unaffordable ( $ XXXX/month ). Now forced to short sale ; lender keeps losing docs & saying they did n't get them which delays process ; Lender did exterior appraisal only, inflating value without seeing inside work needed. Feel like they are purposely not trying to help me short sale house. They are discriminating against me and do not want me to keep my home as evidenced by the their unwillingness to work with me on both a modification & the short sale. I have been in the home for almost 16 years. Foreclosure sale scheduled for XXXX/XXXX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, 2016, I paid a bill to ( what I thought ) fedloan.org from my XXXX XXXX XXXX. Turns out the payment went to Navient Servicing with account number XXXX. XXXX ( subcontractor to XXXX ) made calls to Navient whereas they assured XXXX that the payment would have been transferred approximately 4 business days ago. On this day, the payment is still in limbo with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Incorrect information on your report

Complaint: I currently have a mortgage that is serviced by  LoanCare LLC ( LC ). They have been servicing my loan for just over 1 year. Since the beginning of the contract, I have always had my monthly payments set up as an auto withdraw from   my bank account on the  XXXX  of every month, as contracted with LC. I have also checked each month to make sure these payments have been made. My   XXXX   XXXX   payment was confirmed via email by LC as being received by them on   XXXX   XXXX   XXXX  . In  XXXX , I noticed that I was charged a late fee for the   XXXX   payment, which then triggered a delinquent mark on my credit report. I had another late fee charged the following month due to an error made when LC tried to remove the  1st one , but instead added a second fee. Both late fees were removed on   XXXX   XXXX   XXXX  . Each time  I  email  LC , they respond with the same automated message. ( see attached ) I first contacted LC on   XXXX   XXXX   XXXX  . I was told that LC will make an inquiry on my behalf and email me a confirmation ticket number for this inquiry. That ticket number never came. I made a follow up call and sent an email in  XXXX  and was told the same thing again, with no ticket number following. On   XXXX   XXXX   XXXX  , I again emailed and called LC and the customer service agent put in the actual inquiry at that time for me because the ticket number never came. In the process of refinancing my home in  XXXX , I was told that the delinquent mark was still showing on my credit report and I was denied loan approval. On   XXXX   XXXX   XXXX  , I emailed LC again requesting the delinquent credit mark be removed. There was no response from LC. After being denied again with another mortgage lender, this lender and I called LC again on   XXXX   XXXX   XXXX   to check the status. We were told that  LC had not received any emails that I previously sent. I asked to talk to a supervisor and when that person came on the line, I was told they would send my request personally " to the appropriate department ''. The matter is still not fixed as of today 's 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 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2014, an account was opened with XXXX in Ohio. 
After leaving ohio I had closed the account with XXXX and returned there equipment. 
I then started receiving calls from a debt collection agency. Which I then called XXXX who confirmed I returned there equipment and was told they would tell the debt collector to stop. 

To date they have not called back but now I see it affecting my credit score.

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 05/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX shows me still on this loan. I was removed from it in XXXX, 2015. I originally co-signed my nephew 's student loans to attend XXXX XXXX XXXX, but assumed full responsibility for his loans one year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX I owed Chase {$110000.00} for my mortgage then they incorrectly added XXXX as a " loan maintenance fee '' which they tell me is the correct amount for compound interest due to my loan modification. I do not think this compound interest is correct and would like this amount corrected -- my original interest rate was 4.87 % pre-modification. At one point my loan was paid down to as low as {$110000.00}. I had a HAMP modification starting in XX/XX/XXXX and Chase would repeatedly lose my paperwork and delay finalizing my modification for 2 years where in the meantime they put my money in a suspense account and racked up " loan maintenance fees. '' 1 ) I do not know where they got this $ XXXX number came from -- even at my pre-modification interest rate the compound interest does not equal $ XXXX. 2 ) Also, the bank should not profit from delaying my modification just to rack up erroneous and exorbitant fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: I need to get a fraud alert -- that had been placed on my credit file by   XXXX   4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 wee ks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my  XXXX  credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact   XXXX   to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit report  ( not make any edits/remove fraud alert ). I called 3  other   XXXX   phone numbers -- all went to automated systems with no option to speak with an   XXXX    representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for  XXXX . I would like to get this  XXXX  fraud alert removed so that  XXXX   XXXX  can process my credit card application.

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 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a collection letter from Southwest Credit for a XXXX cable bill.I called XXXX cable and they stated that they do not have any record of me owing any money from any account with them.They have never heard of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed