milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with Udren Law Offices, P.C. (NY).
Issue: Struggling to pay mortgage

Complaint: How many lies this horrible lying law firm is doing. First they never reply to me and CFPB specifically mention that this lying Law Firm must respond., The specialty of the lying law firm is doing thins behind close door in a top secret action as theory try to defraud my property. Udren Law Offices , P.C . miss-represented the lender in a top secret close door foreclosure on the premises at XXXX XXXX XXXX, XXXX XXXX, PA. Judgment in the action docketed in the Court of Common Pleas of XXXX XXXX at docket XXXX on XX/XX/XXXX and the property was sold illegal abusive and in a top secret close door action at Sheriff 's sale on XX/XX/XXXX. The consumer currently has an appeal to the Pennsylvania Superior Court docketed at XXXX XXXX XX/XX/XXXX. We will go all the way to the Supreme Court of USA if necessary since this lying law Firm specialty is denigration people. The Appeal is from the Court Order denying ( due to question marks practices ) his petition to set aside the sheriff sale. The firm continues to act as counsel for the lender in the appeal. This is the third CFPB complaint of this consumer. There are no facts to support averpments of fraud. Allegations of vandalism costing {$260000.00} are correct since the law firm had direct interest in doing it in order to defraud the banks and you can see it in many legal cases against this lying law firm.. XXXX did their best to defraud my property without having a deed or any legal [ paper from XXXX until XX/XX/XXXX so they ate lying to you again. as XXXX enter inside my property o XX/XX/XXXX, XXXX and I have picture of it, Moreover, the firm did was present when they change the locks at the property. Allegations of misrepresentation and bribery are simply correct and will be proven inside the Court off law not in criminal behavior of this lying law firm. Threats of criminal prosecution and " never stopping '' by the consumer are real and we will see it in the Court if law not in criminal behavior that Udren is doing to my property for which I do not have any mortgage and my name is not on any mortgage note in this planet. CFPB must remand that this Law Firm must compensate all victims they defrauded the for so long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Ditech on a Deed in Lieu of Foreclosure on my property and throughout the whole process the last XXXX7 weeks was under the impression that we were working on a XXXX application and that I would qualify for relocation assistance and now they are telling me in the final steps of the process that I never qualified for that process but wont tell me why. Now they are saying any relocation assistance offered to me was on their behalf and that the home was not left clean enough for them and they wo n't be giving me all of the money I was told I would get because they are going to be paying someone to clear the property. I feel completely misled and swindled by this company. No one cared to mention to me in the past 6 weeks that I did n't qualify for the XXXX program for whatever reason and now that they 've changed the locks on our house and had me sign all the paperwork they are telling me they wont give me the relocation money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CBE Group, Inc sent a bogus notification of debt collection for XXXX saying that my account is past due, and instructing me to send money via a website, via credit card, or debit card, or via money order. They listed a disconnection date of XXXX/XXXX/15. However, they list an account number that it is not mine, and XXXX never disconnected my number on such date.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: During XXXX XXXX, Midland Funding c/o Encore Capital sued me in court and received a default judgment against me. At the time of suit, I failed to respond as I was going through a tough time in life and felt helpless. Now moving to present time, I recently read that as of XXXX XXXX, Midland 's collection tactics have received extreme scrutiny from the CFPB based on their use of robo affidavits and the failure to appropriately and thoroughly validate alleged debts. It seems as though with the CPFB recent ruling and consent order, my case does meet several criteria indicating that the judgment should be vacated. Back to the past, prior to the issuance of the judgment I did request that Midland validate the debt which failed to do so in full and even made it seem as I was the one that had to provide the documentation. I continue to dispute the balance from Midland for the following reasons, the balance is inaccurate, statements in Midland 's affidavit were auto produced and without merit, and a lack of paper trail concerning ownership of the alleged debt has and continues to not be provided. Additionally, on or around XXXX XXXX, XXXX, I received a letter from Midland Funding 's local representation regarding a notice of settlement for the judgment. Included with the notice was an erroneous statement that stated " This communication is an attempt to a debt collect by a debt collector ''. What does that even mean? To me it just seems further attempts to violate consumer rights and either toe or outright step over FDCPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CO).
Issue: Application, originator, mortgage broker

Complaint: I am attempting to refinance my mortgage to payoff some debt. Title company and new mortgage broker have requested that CARRINGTON resolve lien on file related to prior mortgage company XXXX ( bankrupt ) which should have been resolved in XX/XX/2015 with my county. Requests make by phone and email. CARRINGTON not responding in a timely manner which has delayed my refinance now 39 days. This is jeopardizing my refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Federal student loan) with Collection Technology Incorporated (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I received a {$2500.00}. loan from the XXXX. In XXXX a garnishment was attached to my XXXX XXXX XXXX paychecks. In XXXX garnishment stopped after {$6800.00} was paid. In XXXX I received another garnishment for the same {$2500.00} loan in excess of {$500.00} per month. I received a letter from CTI stating that I owe {$5900.00} on the same loan. I would have paid approx. {$13000.00}. on a {$2500.00}. I did not receive a release letter from the XXXX ; however, when I asked the XXXX to provide the letter initiating the garnishment, they could not provide XXXX. Due to this garnishment, my credit is ruined and I can barely afford to pay my living expenses. Please help.

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 05-03-2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: People 's bank KEEPS defrauding me. They are accepting transactions against my account that exceed my balance just so they can charge me a {$37.00} over draft fee. I have told them twice before on the phone that this is not something I want or ever authorized yet they still continue to do it. In the few days they have charged me {$150.00} in overdraft fees for my account being - {$1.00}. This is theft. I called the bank again this morning on  XXXX / XXXX /  XXXX   @  XXXX  and told them to STOP stealing my money and that I do not want this overdraft service. I asked them to refund all the money they have stolen from my account and they refuse to do this saying I agreed to this which I NEVER did. The dates they have stolen from my account calling their theft " Overdraft protection ''  Two ti mes on  XXXX / XXXX /  XXXX   for {$74.00}, once on  XXXX / XXXX /  XXXX   for {$37.00} and again on  XXXX / XXXX /  XXXX   for another {$37.00}! That 's {$140.00} in  ONE  WEEK!

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (VA mortgage) with MidAmerica Mortgage Inc (TX).
Issue: Trouble during payment process

Complaint: I 'm in a fixed rate of 3.75 on a 15 yr. mortgage and my note has been XXXX and suddenly changed to XXXX without me agreeing to it. I contacted the mortgage company and have n't gotten a response and I received a escrow overage check but I never agreed to a increase in my monthly note. Account # XXXX Mid America Mortgage And my info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX my e-mail is XXXXXXXXXXXX Cell ph. # XXXX Hm. ph. # XXXX thanks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I opened a coinbase account in XX/XX/XXXX. On XX/XX/XXXX i locked my account by typing in the wrong password too many times. It has been a month, i have received XXXX response or update on what is going on and my account is completely locked. I have {$5000.00} in my account with their company and it was used to purchase XXXX Lite coin which is a form of crypto currency. I bought the Litecoin for a est of {$250.00} and since the month in which they have ignored me and not given me access to my account Lite coin has since dropped to {$140.00}, causing my money to evaporate. Coinbase is a company supposedly based in XXXX XXXX. Their response is that they are back logged which is not a excuse seeing how it has now been a month. They brag about how they made Millions of dollars this year, but customers are kept waiting for months for them to address accounts that they have locked. I contacted the BBB, DCA, CFPB, and will be filing a small claims lawsuit on them next week to recoup any assests lost due to unfair business practices in which they are conducting, if my account is still locked. If you can help me please do. After looking into other complaints that have been filed by other customers this behavior with coinbase seems to be rampant and the norm, which should not be allowed by a United States company. I look forward to hearing back from the CFPB on this mattter. Thank you

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

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted TransUnion several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. 

I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 07/26/2016 about Bank account or service (Other bank product/service) with COMMERCE BANK (KS).
Issue: Account opening, closing, or management

Complaint: I paid off my car loan five months ago. I have asked 3 times for a lien release. I traded my car to a local dealer who is threatening to repossess my new car because i can not provide them a copy of the title or a lien release on my old car. Each time i call Commerce Bank they tell me that they will process my request and mail it out to me. I called them again today and told them that i need this done today. They refused to accommodate my request and said it would take XXXX to 10 more business days to process the lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Billing statement

Complaint: on XXXX/XXXX/2015, Capital One Bank did not report the correct balance on my account. The company claim they report every month, but it still shows that I owe them XXXX dollars, which for XX/XX/XXXX I only owe XXXX dollars, which is my balance. The company is reporting inaccurate data to credit bureaus XXXX. XXXX and XXXX. So I decided to file a compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from this company demanding payment for a debt that I do not recognize. To my knowledge I have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Placed a security freeze on my Equifax credit report on XX/XX/2015 via phone ( XXXX ). They billed my XXXX XXXX credit card {$10.00} for this on XX/XX/2015. ( Technically, this should have been free since I am over XXXX yrs. old -- this according to their written info. ) Was provided a pin # & confirmation # at that time & told that I would receive written confirmation of such. To date ( XX/XX/XXXX ) have not received it. Written statements on an earlier-received credit report ( in XX/XX/XXXX ) note that written confirmation of a security freeze will be sent within 10 business days of the request. 
I had to use you last spring when I had not received a requested credit report from them after 4 or 5 weeks when it was supposed to take 2 to 3 weeks to receive such. This is the only credit bureau ( of the XXXX ) that I have problems with.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Recently my mortgage was aquired from XXXX to Greentree and now Ditech. Ditech has sent me an Annual Escrow Account Disclosure Statement informing me of my mortgage payment of {$560.00} was changing to {$680.00} for projected 2016 property tax increase and hazard insurance increase. My hazard insurance has been changed to XXXX going down {$200.00} which Ditech has recognized. So, what they are saying is my property tax is estimated to go up {$1400.00} for 2016! I do n't think so. Also, I was under a mortgage motification program for the mortgage with CitiMortgage. I have talked with Ditech trying to understand why so much but the service representatives I have spoken to have been very short and condescending to me and I get frustrated and hang up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Taking out the loan or lease

Complaint: As stated before in several complaints against BMW Financial Services and again here, payments on my loan do not reflect a total of XXXX down as negotiated with selling dealer, BMW of XXXX XXXX. The sales manager, XXXX, was attempting to extort XXXX out of me as a total of XXXX was supposed to be put down. However, only XXXX was put down and XXXX wanted me to give him XXXX in cash for his pocket. His exact words were, " You 're putting down XXXX but it will only show XXXX ''. Complaints against dealer have been made with XXXX ( XXXX ), Attorney General of Connecticut, Consumer Affairs in Connecticut, all unresolved. An extension would have remedied the matter, however, BMW Financial Services will not make an exception and denied all requests. Ive attempted to reach a XXXX XXXX, left several voice messages, in regard to this. He does not return calls. It appears BMW Financial Services will not budge in any direction in regard to this matter. Please consider this matter unresolved and advise them this will not go away, they will need to do something about this or they WILL continue to receive complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I sent letter requesting for verification and not received a answer. It been more than several months.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.

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 02-11-2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (TX).
Issue: Managing the loan or lease

Complaint: Mercedes Benz Financial has incorrectly reported the details of an old account with them. They have done this after being advised of this multiple times and being queried by all XXXX credit bureaus at least 10 times since XXXX. 
This account is an old account : it first went past due in XXXX or XXXX of XXXX. The account was never brought current and the vehicle was repossessed in XXXX XXXX XXXX. 

Mercedes reports this as follows to XXXX as verified by all XXXX bureaus. 
XXXX XXXX 30 days XXXX XXXX 120 days XXXX XXXX 90 days XXXX Repossession XXXX 30 days These numbers are clearly wrong and repeated efforts to correct result in MBF continueing to report incorrectly They also report it as a Charge Off but show a balance past due of XXXX which is not permitted MBF has structured their reporting, I believe deliberately, to ensure that this account is not deleted from reporting by all XXXX credit bureaus in the correct time frame and kept on my record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Portfolio recovery Associates continue to contact me every time they see a number change on my records. I am contuing to receive letters from Portfolio Recovery Associates to make a payment along with the letter it ays Due to the age of this debt, we will not sue you for it or report payment or non -payment of it to credit bureau. 
I was threaten by an associate name XXXX that she will go into my bank account. Portfolio Continue to harass me so much in calls til I started getting chest pains and shortness of breath. Portfolio Associates will yell at you constantly agrue with you and if you hang up the phone they will continue to call you back by phone. I ask them not to contact me they continue to do so my number has been change I applied for credit XXXX 2016 I did not give my number to portfolio Recovery the associates lie about when they purchase the collection. Portfolio Recovery has been harassing me for over 8 years Portfoli Recovery contacted harasssng me as of now. Porfolio Reovery is not listed on my credit reports But I am still receiving data that Portfolio Recovery is still acquiring to all my credit report bureaus, after being deleted from all XXXX credit reports and still demanding payments from me. I sent a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Medical) with Columbia Collection Service, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The debt is from XX/XX/XXXX-XX/XX/XXXX past statute and I had never received a bill until now. I owe XXXX which is current I agreed to send them XXXX a month to pay it then they sent me another bill for XXXX when I called the medical office they said they did n't know what it was for. then they found the record and said they charged it off original bill was XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation