milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I sold items online to a buyer in another state ( Idaho ). The buyer went to the bank with my information and made a CASH deposit in the amount of {$6000.00} I called the bank to verify that the cash deposit was made and that the money was posted to my account. They told me that the cash was in my account so after confirming this, I gave the buyer ownership of the items that I was selling. The next day I woke up and the money was being " held '' by the bank ( my money ) and it was not available. Now the bank says that they wo n't give me the money because the person told them that they " deposited the money under duress ''. I 'm not sure what that means but I sold an item for CASH and when the money was in my account I believed our transaction to be complete. I have receipts and other proof of this VALID transaction. THE BANK IS HOLDING MY MONEY HOSTAGE!!!!

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 monetary relief
Consumer complaint received 06/24/2016 about Debt collection (Federal student loan) with GREAT LAKES (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I contacted before the default status settled in XXXX XXXX. 
And never has made any arrangement suitable. 
Relative importance may be XXXX XXXX XXXX and XXXX XXXX was the last job I held. 
I look forward to settling the default status and balance over the relative Iimportance of former XXXX XXXX owner XXXX XXXX. 
I was employed there from XXXX through XXXX and expect the same treatmentof {$5.00} payments for 10 mos or a XXXX time payment of {$50.00} to return to school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Credit card) with Weber & Olcese, PLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: on XXXX XXXX 2015 and letter was sent out from weber & olcese about a debt with XXXX XXXX they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX around XX/XX/XXXX with paper work but i was never home, not until XX/XX/XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until XX/XX/XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by XXXX XXXX, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Systems, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Further Violations include : Communication Tactics, Continued attempts to collect a debt I do not owe, Disclosure Verification of Debt, Threatening and taking an illegal action. 

Please also see CFPB complaint # XXXX XXXX/XXXX/2016 received a I received a collection notice ( please see attached ) from Credit Bureau Systems , Inc. in XXXX, KY dated XXXX/XXXX/2016 and addressed to XXXX XXXX XXXX, XXXX XXXX, KY, at XXXX XXXX XXXX, XXXX XXXX, Ky. The mail system is not that slow, however the internal process of the " Credit Bureau Systems '' procedures are less reviewed, however governed. This delay tactic illegally eats away at the consumers ability to dispute within the time limits afforded by the law. This is deceitful practices as according to FDCPA subsection 807 " False or misleading Representations '' as well as subsection 808 " Unfair practices '' I disputed this over the phone on XXXX/XXXX/16 ( less than 30 days from date of notice ) to XXXX XXXX agent of Credit Bureau Systems agent, as well as in writing on the same date. ( please see attached ) As well and also contrary to the above subsections the failure to provide the name and account of the original creditor, the threats to injure my credit by reporting it to the credit reporting agencies despite these deceitful methods ( as according to their agent ), actually following throiugh and illegally reporting it to the reporting agency along with a note that " consumer disputes this account information '' ( they accept I dispute, however failed to follow the mandates of the FDCPA for a dispute, maliciously damaging my credit and causing liability ), the deceitful statement of a " Patient # '' on their statement ( as though this debt has to do with a patient, rather than a utility bill ), their company title diceitfully alluding to them actually being one of the credit bureaus and their agent 's statement that claims would continue anyway, are contrary to the FDCPA or the law that governs your practices Please not that this account was supposedly opened with the Credit Bureau Systems on XXXX/XXXX/16 while notice was not created for about a month XXXX/XXXX/16 or mailed until another month after that. They appear to have an interdepartmental anomaly that every step in their procedure seems to take a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: currently in litigation with XXXX banks i asked for information to be removed due to the court proceedings, still being reported which is holding my score back please remove mortgage account that appears and XXXX who was previous removed but has reappeared.that would able me to refinance my home and purchase a vehicle because the mortgage i have been paying for them not to report so i am asking for it to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with Coastal Financial Solutions, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: THIS IN REGARDS TO THE 2ND MORTGAGE WITH COASTAL FINANCIAL IN NEW JERSEY, XXXX IS MY PRIMARY MORTGAGE AND I AM CURRENT WITH THEM. 

COASTAL FINANCIAL IS TRYING TO FORECLOSE ON THE PROPERTY, I BELIEVE THEY HAVE SOLD THE LOAN TO XXXX XXXX IN XXXX, NJ. I HAVE BEEN TRYING TO GET THEM TO MODIFY THE LOAN AND HAVE NOT BEEN SUCCESSFUL. THIS COMPANY DOES NOT DO ANY TYPE OF LOAN MODIFICATION APPLICATION, ONLY A VERBAL WITHOUT OBTAINING ANY FINANCIAL AFFIDAVIT. THEY EXPECT A LARGE DEPOSIT TO BE MADE, FOR INSTANCE I WAS TOLD TO PAY ABOUT {$3900.00}, THEN WITHIN A FEW WEEKS ( AFTER I HAD XXXX AND COULD NOT MAKE THE {$3900.00} DEPOSIT ) IT WENT {$6100.00} WHICH I THEN MADE. A CONTRACT WAS THEN DRAFTED BY THEM AND I DID NOT AGREE TO THE TERMS, BECAUSE THEY WANTED AN ADDITIONAL {$8800.00} ON TOP OF THE {$6100.00} TO CONTINUE WITH THE MODIFICATION. I BELIEVE SOME HOW THESE PEOPLE ARE TRYING TO RIP ME OFF. I DID GET MY {$6100.00} BACK WHEN I REFUSED TO GIVE THE ADDITIONAL {$8800.00}, NOW THEY ARE MOVING FORWARD AGAIN WITH THE FORECLOSURE. I NEED HELP, THESE PEOPLE ARE TRYING TO STEAL MY HOME.

Company response to consumer: Untimely response
Consumer complaint received 08/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: 3rd party debt collector " Diversified Consultants '' contacted me at work on Wednesday, XXXX XXXX, at XXXX XXXX. I spoke briefly with them and told them they were welcome to contact me, but NOT between the hours of XXXX XXXX to XXXX XXXX M-F because I am at work. 

Diversified Consultants ignored this request and called me again at work on Friday, XXXX XXXX at XXXX XXXX. 

They were attempting to collect a debt on behalf of XXXX XXXX XXXX that I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Halsted Financial Services, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called over four times a day. Hung up when my spouse answered. Repeatedly asked them for information and refused to provide or send information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I took out a 60 month car loan in XXXX from California XXXX XXXX. In XXXX I had to return the car and it was charged off in XXXX. I contacted the legal department at XXXX XXXX and they said they have not been in communication with TransUnion. TransUnion has active dates on this account from XXXX thru XXXX. It 's been almost twelve years since the account was charged off but TransUnion is continuing to keep this bad mark on my credit report until XXXX. When reviewing the dates and knowing there is a 7 year maximum on bad credit marks on a report, none of this makes any sense. XXXX do not have this negative information on their reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There was a collection account with  XXXX   XXXX   XXXX   XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611 P rocedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) Not ice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.

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 03-04-2017 about Debt collection (Medical) with Midstate Collection Solutions, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid by the department of veterans affairs, I 'm on XXXX % XXXX the VA set up and paid for this, they need to get in touch with the department of veterans affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted XXXX XXXX and Experian multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.

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 04/20/2015 about Credit card () with Receivables Performance Management, LLC (TX).
Issue: Delinquent account

Complaint: I did not know the category to select, but this seems to be the best fit. I do not owe anything and I constantly get calls from XXXX XXXX XXXX XXXX. They do n't want to tell me the company name and thick accept that it is difficult to understand what they are saying. The call very often. They are very persistent. If you call back they know who is calling ( your name ). 
I think I controlled the situation by calling them back multiple times back to back. XXXX reports this number as a fraudulent collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, I sent a request to Trans Union asking them to investigate errors on my credit report. Over 30 days have passed, and I have not received a response from their organization.

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 09/24/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (GA).
Issue: Trouble during payment process

Complaint: New Penn Financial based in XXXX with offices in New Jersey and Maryland sent me a mortgage statement in which I had not pair the month of XXXX. I sent an email back stating that a New Penn Financial agent had approach me and may the payment during the month of XXXX by directly sending the payment to their account. She tells me that even if you have the account number for the payment, no payments are made directly to that account which they never told me. Their payment method is an account linked to their payment services which does not let you pay if they state you own them for more than a month. This payment statement goes against the Georgia Mortgage process which deems on that " To engage in ANY transaction, act, practice or course of business which operates or will operate as FRAUD or deceit upon the purchaser and seller '' is not allowed. It appears that the Mortgage statement looks like its handled by a different company, although for Georgia purposes its all handle by New Penn Financial. I made the payment in XXXX and they are charging me again,. And I missed a payment in XXXX ( one Day ) because they would not operate on the payment directly. It took four days for them to get the payment I made before XXXX XXXX. This has to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My complaint is in regards to a debt that is being " XXXX reported on my credit file by AFNI Incorporated, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this account. Therefore, AFNI have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Trouble during payment process

Complaint: OCWEN forced me to accepted a  New Modification in order to hold on to my house. Due to the fact that previous MOD did n ot contained a balloon payment, however, after several court appearance ( which my lawyer that I paid, did not do anything ) and I had to pay the so-called balloon payment including escrow for  XXXX  and  XXXX .     Escrow for  XXXX  was paid and I had a surplus of {$900.00} toward the   XXXX   year.  OCWEN  would not adjust the new mod. I have paperwork from them regarding the escrow. see attachment. file :  OCWEN_letter_pg1 and OCWEN_letter_pg2  I also have a letter from them saying that I had paid the loan in full. Never acknowledge. see attachment : file  XXXX  ( My lawyer did not act upon this letter ).     I have agreed to paid the amount money they said that I owe, but it is under strong protest. However, if I have to pay it, then I will make the payments.     I just wanted to bring this to your attention.

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 08-03-2015 about Bank account or service (Checking account) with PACIFIC WESTERN BANK (CA).
Issue: Making/receiving payments, sending money

Complaint: My bank is Pacific Western Bank at www.pacificwesternbank.com. I am in dispute over {$1200.00} in unauthorized debits from my account, which the bank refuses to recognize, as they will only initiate the dispute is its 60 days or less. I only recognized when my account went into the negative. I want all fraudulent charges disputed nd all funds returned, including any and all NSF or Overdraft fees since the first unauthorized charge/debit occurred. My name is XXXX XXXX XXXX at XXXX CA. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Problems when you are unable to pay

Complaint: Monday Capital one called me saying they may repossess may car because I have n't made a payment in a month. In XX/XX/2017, I made an agreement with them saying I would pay the balance by XX/XX/2017. In XX/XX/XXXX I became ill and need medical care. In XX/XX/XXXX had medical procedure and in the coming months will have surgery.When they called me on Monday they also said I had 10 days to make a payment of XXXX. I told the person on the phone I could not make any type of payment because I have outstanding medical bills. In XX/XX/XXXX, When I made the agreement with them nobody said if I did n't pay off the balance that my car would be repossessed they ONLY said, MY CAR WOULD BE CHARGED OFF. Capital One uses HARASSMENT TACTICS, UNETHICAL AND ILLEGAL BUSINESS PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keep getting non stop repeated calls from this debt collector known as Midland Credit Management. They call at all hours of the day and night, every day of the week. I do not know who these people are, they leave no messages. It 's very hard to block the phone number because they cycle the numbers meaning they call from a different XXXX or XXXX number each time. My credit reports does not show any negative marks from a Midland Credit. They seem to be trying to collect on an old debt that is beyond the statute of limitations or they be scam artists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with CONSUMER PORTFOLIO SERVICES, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Consumer Portfolio Services ( XXXX ) XXXX Calls me periodically and asks about if I know where some person I 've never even heard of is and what he 's doing. They are INCESSANT about calling me even after I 've told them I have no idea who that is and that I have no outstanding debt with anyone and I 'm on a do not call registry. I 've even filed a complaint with the XXXX against them in which they lied and said they never contacted me. That stopped them from calling and asking for a while ( about a year ) but recently they have been calling me again asking about this guy I have never even heard of. I block the numbers and they create new ones I guess. Just looking for an apology and assurance that they will stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 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: Old information reappears or never goes away

Complaint: Between XXXX XXXX,2017 and XXXX XXXX,2017 Equifax removed XXXX XXXX XXXX collection  account and XXXX XXXX XXXX XXXX collection account. I was not notified that they would be re-adding these collections to my credit report and by them adding these collections back on, they are hindering my home buying process. They also removed all inquiries and has now readded them back on. They are in clear violation of the FCRA. They also deleted the correct spelling of my name which is XXXX XXXX, they deleted all my accounts that were reporting such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. They removed the XXXX XXXX inquiriy which almost resulted in my checking & savings account being closed and they removed my correct address XXXX XXXX XXXX XXXX Last but not least I have two new accounts open which are XXXX and XXXX XXXX and I need those to not be removed as they will result in XXXX XXXX closing my accounts. I recently submitted a complaint and Equifax was very deceiving stating nothing was ever removed from my credit file but I have proof that says other wise. Once again I am asking that everything that was previously removed be re-removed and not added back or I will seek legal action.

Company response to consumer: Closed with explanation