milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
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: In XXXX 2017 by balance was XXXX. I sent Capital One a payment of XXXX dollars. This would bring by balance owed to XXXX. I then noticed charges that brought by balance over my card limit to XXXX!. I contacted them and my card was refunded to XXXX. I requested a check not thinking much of it because I figured they new what they were doing. By balance then increased up to XXXX, then down to XXXX, now its back to XXXX. Over 10 hours on the phone and I am still not done with this, I since sent tin payments of XXXX, XXXX, and now XXXX to cover what I do owe them. I don not want my credit ruined but I also should not have to pay any more for there mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: We have had significant damage to our home from rain and hail. This occurred XXXX XXXX, 2016. The insurance company responded promptly to inspect the damage and issue an initial check payable to us and Ditech Mortgage ( a XXXX XXXX ). The first check was issued XXXX/XXXX/2016, After receiving the WRONG information from Ditech, the check was sent to them for endorsement. They sent it back for us to endorse first. We did not receive a check from Ditech until XXXX/XXXX/2016 after providing receipts and bids to complete the work. 
Ditech withheld 5 % of the funds at that time, which they can not give me a satisfactory reason why. The processing time is suppose to be XXXX to 10 days. I am told they are busy. The customer service is rude and they repeatedly hang up or take 20 minutes to transfer me to claims. 
A second check was issued on XXXX/XXXX/16 and overnighted to Ditech for processing. On XXXX/XXXX/16 the requested progress pictures which were sent immediately. Bids, XXXX ; s, lien waivers have been faxed. Windows and garage doors are custom made and can not be ordered without partial payment. Still Ditech is dancing around with sending the funds and as of today they can not tell me how much and when they will send the funds. They just send a new letter with some other required document and delay processing. The roof was completed on XXXX/XXXX/16 and funds have not been sent to complete payment. Windows leak the garage doors do n't work right and they tell me they are busy. This is XXXX. Everyone in our neighborhood has had damage from this storm in XXXX. No other mortgage company has been as hard to work with than Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my XXXX credit report XXXX XXXX, 2016 and noticed a collection from Central Credit Services who is also known as XXXX. I immediately pulled the other credit reports and on XXXX it shows the owner of the debt is XXXX XXXX XXXX who is formerly know as XXXX XXXX XXXX XXXX. I have NEVER heard of these people nor have I ever received a letter or phone call from either of these agencies regarding this alleged debt. Also, there is not any contact information on the credit reports for me to contact these people. The information I do have I researched on my own to find out the address of each agency. I believe these agencies need to validate this alleged debt in writing by supplying the original loan agreement, contract, etc. under FDCPA 809 ( b ).

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 02/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to have a loan modification approved by Wells Fargo for almost two years now. I have sent in every document they have requested numerous times. As I am self-employed they have requested more and more documents and due to the inability to accept online documents, I have had to pay to have documents printed and reprinted, just so I can sign every page and then pay to have documents faxed to Wells Fargo. 
My financial situation became difficult when the economy crashed. Since I am XXXX I can not file for unemployment assistance. I had to use all our savings. Then my child became very ill and the last year was spent helping her become healthy, but the cost of the treatment, much of which was not covered due to being " out of network '' for our XXXX XXXX plan was a further strain on my finances. During all this I was trying to get Wells Fargo requested documents even though the form states that no documentation was needed. I also requested information on what to do if the house is now " under water '' as there is both a mortgage and a home equity line of credit and I believe the value of the house is now less than those XXXX loans. I have not been given any information on this. Now I am told again they need more documents but the person who can tell me what is needed has not responded to several emails and today is " in a meeting ''. When I requested immediate assistance I was transferred to a " manager '' but that went right to voice. I was told by Wells Fargo to stop making payments while this process went forward, now my house is in foreclosure. I offered to start making payments and even make a lump sum payment toward the past due balance, I was told they would not accept any payment. This is now impacting my health, my XXXX is unbelievable. I can not believe that Wells Fargo is allowed to buy up all the mortgages and then abuse homeowners in this manner. It is disgusting.

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 04-08-2015 about Credit card () with U.S. BANCORP (VA).
Issue: Credit card protection / Debt protection

Complaint: From XXXX XXXX, 2015 to XXXX XXXX, my group used XXXX rooms of a hotel in my name. 
On XXXX XXXX XXXX XXXX, I checked out. 
On XXXX XXXX, I checked through my credit card statement that on XXXX XXXX, the hotel charged {$200.00} over my credit card as a penalty. The reason was we XXXX in the no XXXX room. 
The hotel charged the penalty on XXXX XXXX, not XXXX, 1 day later we checked out. 
If the hotel claims that they checked the room on XXXX, at the day we checked out, this means the hotel kept my credit card information without my permission even after my check out. 
The hotel should have charged the penalty on the " XXXX '' not to violate the Laws of Payment Card Industry Data Security Standard. Therefore, I request the full refund of {$200.00} from the hotel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase received payment for a credit card account that was paid off as part of a second home mortgage. The escrow company sent the payment XX/XX/XXXX with my name and account on the check. Chase continued to send non-payment notices and damaged my credit. I finally got the escrow company to resend the fax of the check.I asked Chase to send a copy of a letter to the credit agency to correct the damage. They did not. In fact, when they did send me documentation that the account had been paid and I was due a balance of {$62.00}, it was in a past due notice format and language but had a credit. Not the first issue with Chase. I leased a card from them and then bought it from them but they kept saying I had the title after the lease was up. A pattern of poor records.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with First Federal Credit Control (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: First Federal Credit Control , Inc, is attempting to collect an amount of {$350.00} on behalf of XXXX XXXX XXXX XXXX First Federal has made no attempt to determine the validity of said claim and has threatened to submit a negative report to the credit agencies. I have notified First Federal of the bogus nature of this claim, but they persist in their collection process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender, Ditech, failed to pay {$1300.00} in real estate taxes due the City of XXXX Virginia on XXXX XXXX, 2016 and my tax account is now considered delinquent. The balance in my escrow account is more than sufficient at {$2200.00}. I have called, messaged and sent a certified letter to the address listed for " Error Notice '' to no avail. It seems like this action must be in violation of a regulation but I have n't been able to determine what that is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus is not applying my mortgage payment to my account correctly and is trying to apply late charges to my account. I have called several times to try and correct the issue and they will not correct the issue. They will also not remove the PMI on my account even though I have federal requirement for having the PMI removed met

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The loan was bought from a phantom bank called XXXX, which I can find no such name or prior information about. The interest on my loan has almost double the amount owed. They have only ( 2 ) options when you 're in financial destress, and once those options are exhausted XXXX claims there is nothing else that can be done to assist in repayment. They claim it is based on an agreement from the original lender which I can find no such trace of online. Thus causes your account to go into default even if you are trying to make payments. It 's unfair to purposely set people up for failure. The troubling issue is that they are holding me to a promissory note from a bank that I can not locate any information about, from, or to know that it even truly existed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The problem is that the credit card company keeps using my information with some one else who has a car or a mortgage using my name I have been having problems with this force some time the problem is that I know how much credit I have used and I know how much credit I have not used that is a sign that I am responsible enough o know how much credit I have not used the other problem is that company 's should not be allowed to just tthrow any collections on my report the goal is to get the money if the company do not want to goq to couirut and XXXX XXXX the money then why make it easy force them to just throw some frivilouse non payment on my credit I have never bought a car or a house because of the fact that fir so many years in this XXXX company ' s have it to easy to just throw non payment debt on a person credit company 's should be forced to take the matter to court and discpute the claim not let it sit and XXXXDo nothing company 's know how much deceptive trade practicing they are minipulating and using all my life I have not bought a house because of the fact that the laws for credit bureas accountble. Credit reporting have gone unprotected force consumers like me who actually have the money to get a loan and pay it back if I wanted to do that I need to know what an be done by you to fix this or is this just some dumb complaint line going no wear resolving nothing you tell me!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I sent a wire deposite to my coinbase account a while back. My wire transfer was " scheduled to arrive '' XX/XX/XXXX. It is now XX/XX/XXXX. The wire is pending and has not been credited to my account for trading. Funds have been pulled from my bank and show up as completed as they have arrive at coinbases metropolitan bank. All that is left is for the pending wire to be verified and credited to my account. Support has been slacking and these funds need to be worked out. My wire is still pending and all legal names between my Coinbase account and my Bank account are 100 % matched. The date of predicted arrival in my account was XX/XX/XXXX. As of today, the funds are still " pending '' and not available for trading or transfer. 
Here are my transaction details : Sent : XX/XX/XXXX Amount : {$5200.00} Name of Sending Bank : XXXX XXXX Funds were sent from personal name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Credit card) with Mel S. Harris and Associates, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had the judgment for this debt vacated in 2011 against XXXX and now this new company is contacting me about the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a  lawsuit against the bureaus and XXXX due to their negligence and none compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have disputed XXXX XXXX several times with the credit Bureaus due to inaccurate information showing on my credit reports. Transunion continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Transunion is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being reported.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXXthe 2017.my credit was inquired by XXXX XXXX without my authorization.

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 02-10-2018 about Debt collection (Other debt) with Midwest Recovery Systems (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: After reviewing my credit report on all 3 of the main bureaus I noticed there was a negative collections account listed under the name Midwest Recovery. I have never received any communication from this company and they are reporting negative and false information on my credit. It has also come to my attention that Midwest Recovery does not have an active license in the state of Florida and therefore can not attempt to collect this debt i have no information on.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: For several years, my mortgage was held by Greentree Servicing LLC. When they first acquired my loan from XXXX XXXX XXXX, Greentree informed me that the only way I could pay was by either automatic withdrawal or through XXXX, for which there was a {$12.00} fee per transaction. Not wanting to give them my bank information, I chose XXXX for all of my payments and was charged {$12.00} for each such payment. It is my understanding that as part of Greentree 's 2015 settlement, they were forced to pay restitution to customers who were unlawfully required to incur the XXXX fees. I am therefore writing to see if I may be eligible for that restitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit determination

Complaint: I had a Bank of America Visa which had no balance. BofA started charging me a monthly fee for not carrying a balance without notice, then reported me to XXXX for not paying. The amount? XXXX dollars. This cause the rates to rise on all my accounts because my credit score went down. This is borderline extortion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: midland credit management # XXXX has been calling our home for months now XXXX times daily also on sat. and sun.. the caller id gives on name other than toll free. this is very upsetting getting constant calls when we have very ill family members. They never say who or what they want. We have no debt owed to anyone so whoever they want must have given our phone # at some point. We feel this is invasion of our privacy and mental harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: To Whom It May Concern, I have a collection account on my  XXXX ,   XXXX   and  XXXX  credit bureau files from the company, Credit Protection, account number listed as  XXXX . Please be advised that I am disputing this information due to the fact that Credit Protection does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Credit Protection DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.

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 01/25/2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX a message was left on my voice mail from XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX treating me with XXXX and issuing a warrant for my arrest and contact him at XXXX he left this same massage with my brother and at my place of employment I called back and said he was calling it regard debt from check into cash comapny from 2009. I inform him that the treat of criminal charges was again fair debt collection practices act and i was going to file a complain with cfpb and the state attorney. he reply said that the FDCPA doesnt applied to him because he is a lawyer. then is started to be rude and calling XXXX that i was thief and hang up phone. Then 2 mins later he call me again that contact someone at my work. I inform him that the law in state of California was protecting me and i did n't do anything criminal. the he starting to treating again claiming i was going to me arrested that evening and he can call me from any number and that he can said what ever he wants all that he was being verbally abuse calling XXXX and listen you XXXX, and using XXXX XXXX XXXX and XXXX XXXX that there was nothing i could do. i told him i was going to file a civil complaint and hang up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is a XXXX debt that is being handled by Pinnacle Credit Service but also being sought on by XXXX XXXX XXXX. The credit bureaus are reporting what is being sent to them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Money transfers (International money transfer) with TransferWise Ltd (NY).
Issue: Other transaction issues

Complaint: I transfer some money to an account that I have in XXXX, through Transferwise, after I open an account with them, given to them all the information they required, such as : ss # etc.The first ones went smooth, but on the last one, they ask me to provide aditional pieces of Id wich I refuse, all of this after they took the money from my account, I think this is not a correct banking procedure. What should I do?

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