milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WY).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan is serviced by Ocwen. We inquired about a payoff amount in XXXX. When we received the payoff amount in addition to the principal amount due it included over {$16000.00} in an interest arrearage. This {$16000.00} was kind of hidden. We did do a forbearance on our loan back in XX/XX/XXXX which did alter/increase our payments for a period of time ( about a year ). The loan was transferred or sold sometime after that. We have asked Ocwen on many occasions since XX/XX/XXXX to provide documentation of an agreement to pay this additional interest they are adding on our payoff. They keep putting us off saying that they are opening a research request and then the issue went to an Escalation Manager who is also continuing to " research '' the issue. As of now they still have not provided any documentation saying that we would be charged this additional interest. We have been sent a Balloon payment notice saying that our entire loan is due and payable in XXXX, XXXX. They are trying to force us to pay this additional interest that we have not ever agreed to pay and do not feel that we owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with Carter-Young, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt collection company is reporting negatively to the XXXX credit bureaus regarding a debt that was settled with the original creditor. I have submitted enclosed copies of proof of payment and sent both by fax and mail that the debt was no longer collectible and requested the account be removed from all XXXX credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Filed a investigation with trans-union in XXXX 2017. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XX/XX/XXXX, then updated in XX/XX/XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on 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 non-monetary relief
Consumer complaint received 06/14/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax allowed XXXX XXXX to report a delinquent account from XXXX on my credit file. This account appeared on my file as XXXX XXXX and I disputed it and it as removed. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IL).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I sent a wire of XXXX usd to company called coinbase, the money was to be credited to my account with Coinbase, i planned on using these funds to purchase crypto currency. I was informed via email from Coinbase on XX/XX/XXXX, that the wire can not be processed due to the wire not being sent from my personal account. I was informed via the same email that the wire would be returned within 7 business days. Today is XX/XX/XXXX, almost 2 months since I've sent the the wire. I have submitted multiple cases to which I am receiving no response, I have escalated, I have called, Ive filled a complaint with the Attorney General. I have bills that I am behind on and request your aid in resolving this issue. 

Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (MA).
Issue: Money was not available when promised

Complaint: On  XXXX   XXXX , I initiated a transfer of {$1000.00} from  my Google Wallet  balance to my debit card ending in  XXXX  using website wallet.google.com. The website returned me an error stating that 'The transfer could not be completed, please try again '. However the money was still deducted from my wallet balance and never returned back to my wallet.     I looked at the transactions on my wallet account and could see a transaction with Id :  XXXX  with status as PENDING created at  XXXX   XXXX ,  2017   XXXX   XXXX .     I reached out to google wallet support via chat agent (  XXXX   )  and she advised me to wa it 24-48  hours while she escalates the issue to a  specialist. I got a response next day telling me that the money should be in the bank account. I responded telling that this is not correct as the money is not in the bank account and transaction still shows status as Pending. I received another standard response to wait 24-48 hours.      On Monday  XXXX   XXXX , I contacted google wallet support via phone. The agent worked me to troubleshoot and we even contacted my bank to check for any incoming transfer.   Bank verified that they do n't see any incoming transaction. The Google agent advised me to w ait 3  business days as he confirmed that money has been sent to Bank by Google.     On  XXXX   XXXX , I contacted google wallet again via phone since the money is still not in the bank. I spoke to a supervisor who looked at the account and mentions that while he sees deduction of {$1000.00} from my wallet balance but he do n't see any transaction. So basically now google seems to be in a denial mode for any existence of a transfer. However since the supervisor could see deduction, he mentioned that he is going to escalate the issue t o Tier-3 support an d advised me to wait again.     I am writing to CFPB to provide help in getting the money refunded back eith er to Google Wallet balance or the bank account it was being transferred to but not stuck somewhere in google IT systems on support who have no clue. This issue has taken a lot of time and mental troll due to being with Google support via email/chat/support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with Alliant Capital Management LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX XXXX calls from an unknown company at least once a week stating, " I 'm calling you regarding a previous call. You still have n't called us back to let us know what your current intentions are. You need to call if you want any input on this matter. Call XXXX in regards to identification number : XXXX, '' He calls from this number : XXXX. Everything is vague and sounds extremely shady.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Fairway Capital Recovery, LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: FAURWAY KEEPS CALLING IN VIOLATION OF T.C.P.A. SEVERAL NUMBERS CONTACTED SINCE XXXX LIKE : ( XXXX ) XXXX, ( XXXX ) XXXX & XXXX, ( XXXX XXXX & XXXX, ( XXXX ) XXXX AND ( XXXX ) 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 12/21/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (OH).
Issue: Settlement process and costs

Complaint: DITECH FINANCIAL, LLC indicates that I have an existing mortgage with a balance of {$15000.00} as of XXXX 2015. I do not have an account nor a balance with this company. Account was charged off thru Chapter XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing the loan or lease

Complaint: I received 96 month fixed term loan from Bank of America. Made XXXX payment XX/XX/XXXX. Made last payment XX/XX/XXXX. I have made XXXX consecutive payments of amount due and have not missed XXXX payment. I have paid more than amount due totaling {$990.00} and overpaid by XXXX payment ( {$440.00} XXXX. B of A says I still owe them {$6500.00}. How can I owe them, if I followed terms of loan? I wrote them back XX/XX/XXXX and letter came back undeliverable. I was concerned then that my balance was not going down. I filed complaint with you and received response from B of A XX/XX/XXXX. Letter said fixed term loan for 96 months. I do not owe them and I do n't want them to ruin my credit. If anything they owe me for overpayments I made. How can I get this corrected?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call frequently my workplace and my cell phone multiple times a week. The debts they own are beyond the statute of limitations. They also frequently send letters. Account is not reported on credit report it is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion had two separate glitches XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 

During these time I used XXXX to monitor my credit file. All of my inquires were removed during the glitches. The inquires were placed back on my credit report illegally after the glitches were discovered. I was not notified in writing 5 days after the inquires were added back to my report. I have called several times and spoke to representatives about this violation with no solution.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PLEASE REMOVE XXXX XXXX OFF AUTH USER. SS # XXXX ACCT # 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 non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automobile Acceptance Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am writing to dispute the Account or File Number being charged as BAD DEBT/CHARGE OFF AND OR COLLECTIONS that appears on all 3 of my Credit Reports. I have circled the information as it appears on my credit report for a visual that this account is being reported inaccurately.
I previously was told by a representative at Automobile Acceptance that the accounts would be updated with the Credit Bureaus to reflect accurate information. That information has not been updated on my credit report correctly it has been reported as BAD DEBT/CHARGE OFF AND OR COLLECTIONS which is not TRUE/ACCURATE reporting of this account to the Credit Bureaus.
Im having a hard time comprehending why this account is still being reported to the Credit Bureaus when the account was Paid in Full on XX/XX/XXXX. Per the Fair Credit Reporting Act I have the right to dispute all inaccurate information contained in my file. Therefore I will need documentation on a Company Letter Head that the account will be deleted from my report or further action will be taken.
Enclosed are copies of my credit report from XXXX, XXXX & XXXX. I have circled the information that is INACCURATE. I have also enclosed letters from Automobile Acceptance that states that the account should be 1 ) Paid or Closed Account/XXXX Balance 2 ) Payment Rating of Current.
To resolve the problem, I am requesting that the account be removed from my credit report because this is causing major harm to my credit. This can be done and will be done because this matter should have been resolved when I received the letter from the Employee XXXX XXXX dated XX/XX/XXXX stating that the account was Paid in Full ; as well as a letter from Employee XXXX XXXX dated XX/XX/XXXXstating that the account would be updated with the Credit Bureaus. This is NO JOKING MATTER because this unresolved account is hindering my life and causing harm to me.
I need this issue expedited so that the issue will be resolve once and for all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Deposits and withdrawals

Complaint: I deposited a check in the Citibank Atm on XXXX XXXX, 2014 for the amount of {$1200.00} at XXXX XXXX XXXX XXXX , XXXX Va XXXX. It bounced on XXXX XXXX. The check was from XXXX XXXX from XXXX XXXX XXXX. On XXXX XXXX, 2014 the check was resubmitted to XXXX XXXX XXXX which they claimed to have paid to Citibank on XXXX XXXX, 2014. Citibank is denying they ever received the money/transaction. Citibank ( XXXX the supervisor in the generic call center and XXXX XXXX at the XXXX, Va branch ) refuse to speak to XXXX XXXX XXXX to find out who has stolen the money. 

I had the Major Financial Crimes Division of XXXX County investigate this. In doing so, they went through camera footage at Citibank, my account as well as speaking with XXXX XXXX XXXX. The conclusion was that I did not cash that check at any time and it was never deposited into my account. 

There is a long back story as to who bounced the check on me and the dead ends I have encountered from government sources. Citibank blatantly refused to discuss who stole my money to XXXX XXXX XXXX. 
PLease help me force these XXXX banks to do their job and return my money to my account!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with Century Financial Services, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Century Financial Services is continually leaving automated messages stating " This is attempt to collect a debt. Call us at XXXX '' without stating who they are calling for. There is no way to reach a live person and I have never heard of this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This phone number- ( XXXX ) XXXX will call atleast 1-2 times a week. I will answer the call, say hello, nothing, no background noise, no sound from whomever it is on the other line and then they hang up. EVERYTIME. 

Today ( XX/XX/XXXX ) I decided to call back. I asked why they constantly call me and never say hello and hang up. Her response was that it was a Robo call and they can not control it. 

This was unacceptable. I asked for a manager his name was XXXX XXXX. He was rude to me, brash and tried to trick me into confirming my identity. 

I decided to research the company and there are numerous complaints against this company. 

I do not feel comfortable providing my name to a company that can not be professional when they call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I 'm signed up for paperless billing because I 'm meticulous about paying my bills online and I hate the clutter of mail. So I was surprised when I received a bill for XXXX XXXX ( a furniture store ) stating I was 3 months past due for a monthly {$2.00} minimum charge fee and resulting late fees ( {$27.00} total ).
I recently paid our 24-month 0 % interest purchase ( 11/21/15 ) off ; and even overpaid {$75.00} because I did n't stop my $ XXXX monthly payment after making the final payment of {$1500.00} prior to the promotional balance ending ( X/XX/17 ).  XXXX XXXX refunded me my {$75.00} additional payment and my balance was {$0.00}. I subsequently, removed this creditor from my list of bills to pay.
I accept the fact that i did n't read the fine print because I would 've canceled the card after paying it off. But I 'm unable to locate the terms of service and the company is intentionally being opaque with providing the information on their website. I 've spent about 30 minutes looking for the terms of service and I continuously am directed to contact their customer service center. Why was I not charged a minimum fee in XX/XX/XXXX when I had a balance of - {$75.00}? Also, why have they waited 90 days for them to stop my paperless billing and send me a notification. It feels predatory to wait until my account is that past due to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This complaint is regarding a debt of which I XXXX XXXX advised the company PRA Portfolio Recovery Associates LLC. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave PRA permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from PRA.. In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving PRA permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that PRA " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by PRA prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Debt collection (Medical) with Financial Business and Consumer Solutions. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: FBCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Sent me a letter stating they were collecting on behalf of XXXX XXXX XXXX. I checked my credit report and it didnt show anything related to what they were trying to collect for. They dug up an old debt that had already been settled and they are trying to trick people into paying old debts. 

They are sending out letters to people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (VA mortgage) with MORTGAGE SOLUTIONS OF COLORADO (MD).
Issue: Loan servicing, payments, escrow account

Complaint: i requested a copy of my entire file, including the notes made on my file in order to audit it, I believe that the fees I was charged at closing were not consistent with the actual amount paid to the agencies. After my first request, I was given only the note, mortgage, and cd ( which they referred to as the XXXX, obviously incorrect since I closed long after TRID ) I rerequested my entire file, asking to include everything pertaining to my loan with them, and I have gotten nothing. I am now locked out of my login for their website, which says it sending me an email with a secure code. The code takes about 8 hours to get to my email and then doesnt work. I have no access to review my file and I have not been provided the documentation I requested

Company response to consumer: Closed with explanation