milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My GMAC loan was transferred to OCWEN. I was approved for a HAMP modification by OCWEN but found the documents questionable. Interest and fees were added to my principal amount on the modification, unexplained, that further put me upside down, increasing my monthly payment. They tried to say I owed more trial payments even though I made the XXXX agreed payments inflating a trial mod due amount to {$4400.00} based upon XXXX trial payments. Upon questioning the amount and stating that I was not owing add'l trial payments, they have quit sending monthly statements altogether and made no further request for additional trial payment amounts. Arrears and all fees, interest due, etc. were paid in full by my Bankruptcy trustee. I have sent them many copies of proof of this. I requested explanations of modification Principal Balance, fees plus interest added and have been given several contradicting explanations and a breakdown only. They are pushing me to sign a contract where I find the amounts questionable. In the meantime, there have been no monthly statements to insure I am sending correct payment amounts on my current loan agreement ( interest only loan ) which can change due to escrow, or to show how my current payments are being applied. OCWEN is hindering my ability to pay my current payments and insure my account is in good standing until there is a resolution of the proposed modification agreement that I have not signed due to questions. I am unsure if the amount reported to the IRS by OCWEN for interest paid is correct ( interest only payments made vs. what was reported differ ). They have attached a late fee to my mortgage when I have been on time with payments. They returned a payment and claimed ignorance even though they changed the address to ( of which there are many ) send payments to. I was still able to re-send ( with my banks assistance ) my payment before the XXXX of the month deadline and their own documents show it was processed before the XXXX. There is no office to go to, only a call center in XXXX. I have sent inquiries and documents to their recommended RESEARCH Dept. by certified mail. I have received breakdowns of amounts added, but no explanations of how/why they are calculated or applied. The amount of documentation I have is so large, I would not be able to upload it all since this has been ongoing since XXXX XX/XX/2013 but I will download a good portion. I am filing a complaint with the Attorney General 's office in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (GA).
Issue: Other transaction problem

Complaint: I sent a Wire money transfer on XXXX to Coinbase Inc. The bank facilitating the money transfer " XXXX XXXX XXXX XXXX XXXX XXXX '' who confirmed they received and forwarded the Money to Coinbase. Coinbase is a cyber-currency Exchange that is overwhelmed and understaffed to handled the volume of money that they are receiving. They have been in possession of my monies every since XXXX and they have not credited my account or returned my monies to this date. You can not talk to anyone over at Coinbase and they are extremely slow to even return emails. I have missed out on huge run ups on the cyber-currency sine XXXX. The whole purpose of the wire was to have it credited INSTANTLY not for it to be in the possession of a company that is not clearly giving me answers or simply returning my money in an expedient manner. Wires are easy to trace and reverse so i see no excuse for this taking OVER 2 Weeks and counting!! See attachment for dates, contact info, and Federal IMAD numbers. There a lots of other people in my same situation there is a message on Coinbase website advising degraded service on Wires denoting a huge number on customers affected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Greetings. I am writing because in attempting to settle a cellular phone debt with Enhanced Recovery Corporation and credit card debt with XXXX XXXX, I was told by both debt collectors that they could not provide me with proof of the debt in writing. I am being called constantly to settle the debts however feel that I should not be forced to pay without receiving proof that they own they debts as well as the terms for settling the debts. I 'm just being told to pay up and then it will be reflected on my credit report. I am requesting assistance with this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Collection Company ( Jefferson Capital Sy ) has placed a collection on my credit on XX/XX/XXXX,2017 for a  XXXX XXXX Bill of {$1000.00} on my account. I never had an account with XXXX and I believe this charge was due to some fraudulent account was created by an importer.Last year another company placed the same ( XXXX Bill ) and I immediately notified them about the fraudulent charge and they were able to remove it from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with Collection Management Company (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, someone called from XXXX and said her name was XXXX and she was with Credit Management Company, which is a debt collector. We asked her to send verification of the debt and to stop all phone calls in the process. She was very rude and said " We 'll keep calling ''. They have never sent any verification and every time I refuse to give them sensitive personal information, they get extremely rude. I have recordings of calls asking them to stop calling and send verification. They just do n't. They have never sent a single piece of mail to us and wo n't provide an address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: Back on XXXX XXXX 2015 I used my easy deal points with my citi card, and also had to pay {$23.00}. XXXX to order the XXXX XXXX Journal news publication for about 10 months. I was told it would take 12 weeks. Well it is now 15 weeks and no XXXX XXXX journal. 
When I called citi cards they said they could not help me. I told them I still wanted the XXXX XXXX journal under the agreement they told me to call easy deals. Easy deals tells me they do not know what happened and will check on this. I called easy deals last month too and got the same story. I am still waiting. I have never in my life had to deal with such incompetence!!! Shame on Citi! 

I am getting the run around from citi cards and easy deals and either want the subscription at what I paid for or cancel the order and credit my money back of {$23.00} centCiti card and easy deals are an incompetent operation to say the least, and have no clue at what is going on. There customer service reps are clueless!!!!! 
When is comes to customer service Citi and easy deals are horrendous! 
I want answers as soon as possible!!!! 
Enough of the run around. I am getting ready to drop the charge card and go else where & gt ; Horrible service. 
I want a higher up supervisor to call me and solve the issue immediately. 

Due to the horrific service and waiting ... I want easy deals to compensate me ALSO with a free yearly subscription to XXXX magazine at no charge!!!! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Everytime I call I 'm told to fax in my drivers license and social number which I have an then I 'm told it takes XXXX72 hours to fix. Well it 's been that time frame and everyday I get the run around! My name is XXXX XXXX XXXX and my dad is XXXX! We live at the same address. But on MY credit report it has his birthday and his credit account but with my social. Everyone seems clueless when I call about this. Why is this so hard to take his birthday off and add mine of XXXX/XXXX/1980! Then put my credit account on there and take his off. Why is this SO HARD for equifax to fix?! I screenshot my correct credit report to show you what it 's suppose to be!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle in  XXXX  from  XXXX   XXXX , they sold my loan to a third party finance/debt collect or Consumer Portfolio  services my interest rate is  XXXX  with  XXXX  per diem. This has caused any trade in to be  XXXX  negative and no one will refinance the loan because of the how much I ow e (  it is still at  XXXX  and I purchased it for  XXXX  ). When I extended my loan due to hardship I was not informed or told how that would negatively impact the loan even more. I believe there was misrepresentation, deception with this loan not to mention all of the phone calls they have sending to m e three and four ti mes a day every day. My principal payments have been very sporadic if any. This company had a class action suit in   XXXX   for the same reasons I am stating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The above company placed two collection accounts on my credit reports with all XXXX reporting agencies. They allege that I owe them {$6600.00} for one account, and {$4400.00} on another account. I never opened an account with Cavalry, and I do not believe they have a right to damage my credit rating by placing new accounts on my credit reports. Both accounts were added to my credit report in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.

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 09/29/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (ID).
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: XXXX/XXXX/XXXX We agreed to purchase a wall furnace from Terrys Heating and XXXX, XXXX XXXX, Idaho. They stated we could have a contract for 60 months and the lender would be Wells Fargo Bank. We stated we did not like Wells Fargo, but they stated they were the only bank setup to carry their contracts. We filled out a credit app and was approved for the contract in the amount of {$3200.00} which included a {$1000.00} down payment. The contract states a 9.9 % interest rate with XXXX equal payments {$61.00}. We were sent a credit card from Wells Fargo that XXXX XXXX Projects, Terrys Heating and AC which they stated just ignore. We began payments of {$61.00} in XXXX XXXX and have made XXXX payments. Wells Fargo Financial XXXX. XXXX XXXX, XXXX Texas XXXX accepted the first XXXX payments without a problem. However, in XXXX they began charging an extra fee. A late fee of {$27.00} and interest of {$26.00}. The check was mailed the XXXX of the month and not posted until after the due date of the XXXX. They asked for a payment of {$88.00}. We sent our {$61.00} payment as due by contract. In XXXX we were billed another late fee of {$38.00} and interest of {$26.00} and a payment of {$120.00}. Our check was posted on the XXXX After calling them there was no resolution. They stated they had no control over the posting date or the mail. They refused to remove the fees. It is apparent they have converted the contract into a credit card account which we did not agree to. Our balance right now is {$3100.00} nearly the same amount we began with. These fees were posted fraudulently and not agreed to. It appears they plan on adding fees every month and ignoring our original contract. We are angry that the account is now a credit card account which we did not agree to and at the current rate it will clearly not payoff in 60 months. We went to our bank today and got a personal loan and paid off the balance of {$3100.00}. We have a higher interest rate and a higher payment but atleast we know we are secure in the amount and the timely payoff. We have copies of the contract, the card and the statements Wells Fargo has sent. We will send them to you when requested. We do not want private information posted on this site.

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 04/29/2016 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Blitt and Gaines represented they could take a settlement agreement for XXXX XXXX. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and XXXX XXXX has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.

Company response to consumer: Closed
Consumer complaint received 06-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have been attempting to resolve this issue for almost a year wit h Walmart ag ent Synchrony Bank. My card was compromised   XXXX   of 2016   with charges from  XXXX  and  XXXX . After contacting Synchrony on numerous occasions to resolve the issue their solution was to refund the charges and re-issue the card. Since these charges were setup as re-occuring charges the charges were not blocked but rolled over to the new card. My credit card continued with the roll over because their outdated rule do not have the ability to block these charges. After  XXXX  re-issues, I personally called  XXXX  and they stopped the charges and told me if Synchrony had rejected the charges they would stop. The problem is I can not find a single number to call  XXXX  and any written correspondence requires account information which I do not have since I never had one. Now the charges appeared again, my account was blocked from usage again and a  XXXX  new card issued. Since everytime I call the number on my card it says " Thank you for calling Walmart credit card services '' I have to assume th at Synchrony is the agent for Walmart. T his is important because if that re-occuring charge appears on my  XXXX  credit card I will file a civil suit with a jury request against both companies.

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 05-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Credit card () with DISCOVER BANK (UT).
Issue: Rewards

Complaint: I applied on my discover XXXX miles card XXXX of 2015. My promotion was double your cash reward for the first year. 

I should have received my cashback double for the whole year on XXXX billing cycle. I suspect when my original account was marked as fraud, XXXX transactions was not authoized by me therefore they have to replace my card with another account number. The original account number is XXXX. They have verified on the phone that i was indeed enrolled with the promotion. With this the promotion might have fallen off on my card. 

I started following up on it on XXXX XXXX, and has voiced my concern about it. they said i should call back and wait for another month for XXXX XXXX billing and it should reflect it. XXXX XXXX came the tell me now to wait on XXXX XXXX billing and it will surely reflect on my double cashback for the year. 

I have spoke with XXXX XXXX on this issue. 
Come XXXX XXXX i called again and i spoke to XXXX and she then transfered me to XXXX a supervisor. She said to wait 72 hours and she will call me back. It has been almost 3 weeks and almost every week i follow up on the status and no answer for it up to now. On XXXX XXXX someone told me that i would receive a call in the afternoon but no call was received. Today XXXX XXXX still no word on the outcome of my cash back award. 

Please help me resolve this matter. I feel i have been wronged already since it has been 4 months that i should have received the cashback promotion on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with LENDMARK FINANCIAL SERVICES (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Today, at XXXX, XXXX from XXXX XXXX XXXX XXXX of XXXX GA , called. I was unable to answer. She then called a third party and involved them in her collections attempt. 
XXXX called Lendmark financial and asked an employee named XXXX to call me regarding the $ XXXX XXXX XXXX XXXX claims is owed to them on purchase of my motorcycle from several months ago. XXXX then called me ( as a third party person ) at XXXX today, to discuss my obligation and responsibility to contact XXXX XXXX XXXX and pay off this debt. 

My account at Lendmark Finance is current, all payments have been on time or early. I dont have another payment due until XXXX XXXX with Lendmark. So a representative of Lendmark had no reason to call, most especially on behalf of another business. XXXX shared details of a debt with a third party and asked them to make a collection call on her behalf, and on behalf of XXXX XXXX XXXX XXXX. I feel both parties violated rules and regulations and would like to have this matter investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: could n't pay its charged off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
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: I had closed a credit card with Chase less than a year ago. My wife inadvertently used this card to get a refund from a merchant, a grocery store. Upon learning of the mistake I called Chase to have the credit applied to my current Chase credit card. After a series of phone calls with customer service agents, dispute resolution agents and supervisors. Chase could find no record of the closed account. In my last conversation with Chase they agreed to apply a credit for the {$57.00} to my current card as a courtesy. I instead received the following letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with T & I Enterprises, LLC (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 'm a victim of Identity theft and I need the documents that were held with TEM Capital in reference to FILE # XXXX. I called several times in the past and got no cooperation at all. Those documents that are on file with TEM Capital is needed for me to fix financial life, and move on. I want everything that TEM CAPITAL HAVE ON RECORD FOR MY CASE FILE. EVERYTHING. I WAS WRONGFULLY ISSUED A JUDGEMENT ON XX/XX/XXXX FOR THE AMOUNT OF + {$27000.00} AND ON XX/XX/XXXX IT WAS DISMISSED DUE TO NEW EVIDENCE. NOW I NEED ALL THOSE DOCUMENTS THAT ARE IN THE COMPUTER SYSTEM. EVERYTHING. I NEED THOSE RECORDS FOR XXXX XXXX.

Company response to consumer: Closed with explanation