milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been dealing with Midland Credit Management over a debt. We agreed upon a XXXX month term of paying XXXX a month for XXXX months. I have paid for the XXXX months and when I called to verify with them they said I had to pay for XXXX months and that I still owe them. I requested a copy of the original settlement letter by email. They said they can not send that over email, I then asked for it to be mailed to my home address, they said they are only allowed to fax the letter. I informed them that I do not have a fax machine and they told me that they will not email, or mail me the letter because it violates federal laws. I am confused and I can not find my copy of the original settlement letter. I have paid the agreed upon amount and the agreed upon months and now I am hard pressed to pay XXXX more months with no justification except this company saying I have to. I also called on XXXX of 2015. At that time I spoke with a representative who told me that I would be done with all payments in XXXX of 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax : I've disputed multiple on my credit report that XXXX XXXX XXXX doesnt belong to me, i verified with XXXX that i have no charge off accounts and i'm in good standings with them. My question to Equifax is why does a charge off from XXXX keep showing up on my Report???? after disputing it multiple times? 

Also Equifax said my info was out there on the dark web from a so called website : XXXX / i've contacted my local FBI and starting a report with them. 
They did nothing to help me with that, also they told me my data has been compromised from the Breach!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My lender Selene is discriminating against me and going against the CFPB guidelines. I originally submitted my packet in XXXX XXXX, 2015 and i had a foreclolsure of XXXX XXXX. They closed out my modification because they recvd packet 35 days before the sale date. I filed Bankruptcy and my case was reopened in XXXX XXXX XXXX XXXX my XXXX party spoke with XXXX and he advised her to send in updated paychk stubs and i faxed them over to her on the XXXX and she faxed and emailed them on the XXXX. She called on the XXXX to confirm that they recvd docs and the advised her that the mod was closed out the same day they recvd the docs on XXXX My XXXX party had escalaton done and she refaxed the packet all over again on XXXX It is not fair that they closed out my modification when they had all docs 37 days before my XXXX XXXX sale date ... supervisor XXXX XXXX in loan resolution said there was nothing he could do. PLEASE HELP ME KEEP MY HOUSE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased an FHA loan through Caliber Home Loans which comes with Mortgage Insurance ( PMI ). With PMI I know you are able to get rid of it after you pay down a certain amount. Typically when 20 % of the original principal is paid off or when 80 % principal remains. I called XXXX to find out how I can remove my PMI and they repeatedly told me that the PMI can not be removed and is for the life of the loan. I spoke first with XXXX who stated that they call it MIP but it is the same thing. I was then transferred to his supervisor XXXX ( employee # XXXX ) who stated the same thing. My PMI can not be removed and is for the life of the loan. I asked her to send me a document from their company stating that the PMI can not be removed and she would not, informing me that nobody in the company can email or mail documents to a client. She then asked her area vice president XXXX and he apparently confirmed that again, XXXX will not remove PMI regardless of how much of the loan is paid off and that it will remain for the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I recently filed a complaint. My complaint # is  XXXX . The response from the company is false. The information in the response is false. I will attach copies of paperwork I have sent to them. The dates are wrong, the money order info is wrong. Please contact me by phone or by mail or email and I can give you the correct  USPS Money order info as this company has told me in many conversations that they never   received the money order, could not find my bank account, yet my account has been debited money and fixed. I do n't know who 's money order number is that they furnished to you but it is not mine. I want this fixed and fixed right. Someone from that company cashed the money order but did not fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Medical) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ive received my 3rd communication from Credence Resource Management LLC for an ambulance debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the XXXX company and found out the person XXXX was XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up XXXX, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage XXXX. I want this company to remove my miaden name and address from their files and stop trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have communicated with the debt collector by way of certified mail for the agency to certify the debt to which they has refused to respond. They refuse to prove that the debt is in fact mine. I have made the request numerous times.

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 12-08-2017 about Mortgage (Conventional home mortgage) with Capital Markets Cooporative, LLC (FL).
Issue: Trouble during payment process

Complaint: To Whom It May Concern ; XXXX was my previous loan service company. Today, I am being serviced by XXXX XXXX XXXX XXXX XXXX. The issue begins when XXXX sells mortgage to new company, XXXX XXXX. At the time ( XXXX,2017 ), I had made my regular monthly payments in addition to one large principal payment of {$78000.00}. The issue is that the new company, XXXX XXXX, never received these payments and all of the funds that were paid are currently " lost. '' I have been trying to resolve this issue with both companies for over 2 months and have not been able to get this fixed. I ask that you please review my case and help me with my problem. 

In addition, since the funding of accounts were not properly transferred, all recent payments that have been made have charged a higher interest and I would like for a new amortization schedule to be applied from a " true '' cost of funds. In other words, older loan ( XXXX ) was suppose to transfer funds into the new loan ( XXXX XXXX ), therefore my outstanding principal should have been established at {$310000.00} and not at the amount of {$390000.00} ... there is currently a discrepancy of {$81000.00} + additional interest charges that my account is being charged since the loan started at the higher amount {$390000.00} and I have already made a couple of payments to this amount. 

Thanks in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: I am not able to access my funds on coinbase/XXXX since XX/XX/2017.

I tried contacting their customer support on phone. The Coinbase customer service representative on phone was not able to help me access my account.

They asked me to verify myself using their ID verification service, which is not working since XX/XX/2017 as per their status website XXXX. 

Coinbase Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (I do not know) with Kross, Lieberman & Stone, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a credit alert from XXXX on my credit file from this creditor. I do not know this credit or what is the debt is for. Creditor did not send me a letter notifying me of this debt nor provide my a right to dispute.

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 07/25/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I was offered a promotional credit of {$250.00} by M & T Bank for opening a new checking account in  XXXX ,    2017.  I believe I received this offer by direct mail, but I have since destroyed the solicitation assuming the credit would be granted in good faith.   After several conversations with M & T Bank I am confident they are aware of the promotion and it was not a third party scam.     I opened this account and met all criteria ( that I am aware of ) to receive the promotional credit. Conditions involved qualifying direct deposits within a certain period, etc.   I am also aware that the account will need to be open at least 180 days from setup date in order to avoid penalty if the promotional credit is given.     The account was opened  XXXX   XXXX ,   2017.
Qualifying direct deposits were made to meet offer criteria.
I phoned customer service after qualifyin  g direct deposit to inquire about timing of the promotional credit. I was told by an agent that the credit could take up to 90 da  ys ( 3 statement cycles ) to process.
After 90 days ( late  XX/XX/XXXX ) I once again called M & T to   inquire about the promotional credit. It was during this phone call I was told by the agent that because at time of account setup ( online ) I did not enter a corresponding promotional code that I would not be entitled to the promotional credit benefit.     I asked the phone agent to escalate this issue and he had stated that the issue could only be remedied at a bank branch.     I immediately traveled to a nearby branch where I was met by a service agent who confirmed my account, took my information and told me that she was unable to correct this issue, but could initiate a complaint.     I believe that M & T Bank could have easily ( at time of prior inquiry ) told me of the issue so I could take steps to remedy because I had specifically contacted them to inquire on status of the promotional credit.   Whether willingly or not, I believe M & T Bank is withholding these funds as promised in their promotional materials. At the very least, M & T has misrepresented this offer or have purposely made it difficult for consumers to receive this credit as advertised.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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, etc. resulting in a data breach in XXXX-XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me at risk of identity theft and fraud due to negligence in handling sensitive consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (TX).
Issue: Taking out the loan or lease

Complaint: I lease my vehicle with a company name Ally. I have decided to purchase my vehicle and I called them to get a payoff and I was told It would take two business day, to make the long story short ; in my credit report it has been reported that i owed {$23000.00} and in the payoff amount it said {$29.00}, XXXX, when I called them to get an explanation none of the employees can explain in details why im i been charge that amount. I feel that in some part they have violated Regulation M since I 'm not able to get a clear understanding and none of the paperwork explain what I 'm been charge. please help me get this square away.

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 08/25/2017 about Mortgage (VA mortgage) with LoanCare, LLC (IN).
Issue: Struggling to pay mortgage

Complaint: The main issue with the company is the amount they set my escrow account at.
I built a new home and closed inXX/XX/XXXX My loan was transferred to LoanCare 2 months after I closed.
I have been trying to resolve the issue sinceXX/XX/XXXX and I get no help from them. Here is the issue, Because the home is new construction I wont have to pay my full property taxes until XX/XX/XXXX forXX/XX/XXXX ( this was verified and communicated to LoanCare, they even called the county tax department and verified this ) so for this year my escrow should be {$1000.00}, {$750.00} for my insurance, {$100.00} for the land property tax and a small slush fund that some companies require for both this year and XX/XX/XXXX.
Instead they have my escrow at {$460.00} a month, which I cant afford a {$2000.00} payment. My P & I is a little over {$1400.00} which when I had the home built I had asked about the amount of my taxes with the county to make sure I could afford the total payment and because I am a XXXX Vet I get a discount off my assessment of my home. So in XX/XX/XXXXwhen my property taxes will come into effect, my taxes will only be no more than {$1600.00}, instead of {$2700.00} a year.
I have asked for an escrow adjustment, this like I said been going on with them since XX/XX/XXXX. They did it and raised my escrow payment even more. I now have over $ 4k in my escrow and am behind about 3k in payments which I would actually be up to date on my payments if they would make the adjustment and apply like I have been asking the extra 3k to my loan. What Loancare does is seeing I am only paying them {$1400.00} each month as I cant afford the escrow payment and they will not adjust it to the correct amount, they keep my monthly payment in an escrow account and wont apply any of the funds to my loan until they get the next payment and finally gets the total payment asked for.
I was told when I talked to them that because I was n't paying MIP I could close my escrow account and handle it on my own, I only had to send in an email asking for that and they would send me the paperwork. I did that and got a letter from them saying that because I was 30 days late on my payments I could n't close my escrow which is their fault not mine.
I am to the end of my rope, and I need help from someone to resolve this issue before I lose my home and am homeless. Loan Care is the worst company I have ever dealt with in my XXXX  years. I have owned 2 other homes and never had an issue like 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 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Experian. So the debt was paid in full. But Experian still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.

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 02/13/2018 about Debt collection (I do not know) with PC LEGAL SERVICES, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On Friday XX/XX/2018 at XXXX hours a call was received at my employer from XXXX by an individual who refused to identify their name, business name, or nature of call. The individual asked to speak with a " manager or supervisor '' and explained the information related to the call could only be provided directly to a manager or supervisor. I then transferred the individual to the our chapter 's executive director who received my protected information from the individual. The caller provided my supervisor, my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

On Monday XX/XX/2018 at XXXX hours a call was again received at my employer from an anonymous number by an individual who refused to identify their name, business name, or nature of call. The individual provided my colleague with my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would  be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

Outbound contact made to XXXX at XXXX. Receptionist answered and identified the business as " corporate offices ''. Inquiry as to the name of the business at XXXX and receptionist explained it was a switchboard and he did not know. Attempted transfer to XXXX but no one answered. No voicemail left. 

Received a call and voicemail from XXXX. Returned XXXX 's call who explained that my case was out for processing with a document service company, XXXX XXXX XXXX, and that he only worked for the XXXX XXXX XXXX XXXX. Inquiry was made as to the nature of the contacts made to my employer. XXXX explained he couldn't provide any information. I inquired about what documents were being processed and when I would receive them to which XXXX stated 3-4 weeks. He then proceeded to give me a balance of {$1700.00} owed but refused to provide the name of debtor. XXXX stated " Do you plan to resolve the balance today? '' and stated " We deposited {$1500.00} into your ( states name of bank ) on ( provided date of deposit ) so you can look in your account and find the name of the creditor ''. He perpetuated collection tactics and became abusive and aggressive when additional questions I asked to validate the debt. XXXX provided an address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Untimely response
Consumer complaint received 05-11-2017 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: Information is missing that should be on the report

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may cons  titute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also h ave 2  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.

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