milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Debt collection (Payday loan debt) with United Debt Holdings, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: As of XXXX XXXX, XXXX, I have called the collection company Which they call themselves a mediation company collecting for XXXX XXXX XXXX they have repeatedly called my employer looking of me. Since XXXX XXXX, XXXX they have called my employer. I have told them since XXXX XXXX, XXXX not to call my employer and have given them my cell number and my mailing address. Today, XXXX XXXX, XXXX I asked them what is there mailing address and they asked me if I am represented by an attorney and I said yes. Then they said my attorney needs to contact them and they would not provide a mailing address that my attorney needs to contact them. I told them they are in violation of the Fair Collection Practices regarding the calls to my employer. Then they hanged up on me.

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 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was the victim of identity theft and provided the required documentation and it was added.

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 01-08-2018 about Debt collection (Other debt) with U.S. Collections West, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, I have reached out to Us Collections through CFPB, I filled a complaint because they are reporting a false amount on my credit file and also reporting a debt that 's not mines. They are reporting a debt from a company that is no longer in business and in fact selling condos as i have provided in pdf form and in addition this company stated in my CFPB response that i dispute this alleged debt every month in fact i do n't and yes i have sent 3 times a request for validation as they wont give me anything for an apartment, like a lease my drivers license, my signature. I do n't need a letter saying you sent me validation with nothing attached as proof, Im sure as a company you know that 's not validation. XXXX XXXX the mgr @ us collections west, Please send me the lease and my drivers license, you stated that you mailed me a letter on XX/XX/2017 certified mail, provide the return receipt and a pdf with my signature and the address you mailed it to. Im a single mother and trying to better my life and your company are reporting false and detrimental claims against me and this is horrible!!! all i ask for is proof and the correct amount, if there is none do whats right and delete from my credit file. I ca n't sleep at night knowing i did n't create this debt of $ XXXX!!! lets face I 'm not owning this debt and it has only 3 more years to report!! if you have a heart and a family and know how hard it is in this world and review your files and delete as this honestly not me as i have lived in XXXX XXXX for the last 6 years of my life!! I pray that something changes and GOD has his hands in this .... 

Thanks XXXX : )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (NY).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: I was giving a XXXX dollar loan with XXXX XXXX XXXX in the year XXXX. I was on time with my payments however I fell a little behind. I still kept in contact to figure out solutions that could better help me pay them back. However, I was in contact with a women name XXXX the XXXX or the XXXX of XXXX and she spoke with her manager "  guy '' and she said that he stated they would offer me a XXXX dollar settlement. They said the payment would start XXXX XXXX of a payment of XXXX and XXXX XXXX XXXX, XXXX for the last payment to seal the deal. They stated my car would not be towed. However, my car was towed before the deal began which was towed XXXX XXXX, XXXX at wee hours of the night. I called to decuss with XXXX that we made a deal for XXXX and she stated that now I would owe XXXX but they would give me a deal of XXXX to get my car back. As I read online after the car has been towed they are not suppose to charge me interest fees. Today I called XXXX XXXX, XXXX and spoke with XXXX and I told her by law they are not suppose to charge me interest after the car has been towed and she said my balance would still be XXXX plus more. But they gave me a settlement of XXXX. I only took out a XXXX dollar loan. I also asked if she could email me or send me the fees of what they are charging me and she said No. she stated they would only send me a copy of my contract. XXXX also stated once I gave them the XXXX dollar then I would get a receipt but she stated they do n't have to send me anything regarding the fees that are charging me for. I also stated to them if they sold my car they would have to give me my remaining balance after XXXX would be taking. XXXX stated that even though they gave me a deal of XXXX I would still only get the remaining balance after they took XXXX from the money for the car. I felt that their is no consistency in what they are saying they have all these different prices but they are also stating they would not send me my fees in writing or anything. The only thing they said they would send me is my contract. Then I called the tow place the tow place told me I would have to pay XXXX for my plates and XXXX for my items. They are not being fare with me. If the deal was for XXXX that 's what suppose to be the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: The complaint is about www.coinbase.com. I am XXXX XXXX citizen. In the XXXX they are registered as : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX They are a platform which supposedly allows the purchase of virtual currency against XXXX or USD. Their process is such that an amount is sent to them via Credit card or bank transfer ( XXXX in XXXX ), then you see the money in your account and can buy virtual currency if you want to. 

On XX/XX/XXXX I made a XXXX bank transfer of XXXX XXXX to the XXXX XXXX and XXXX given to me by XXXX. Two business days later the amount was still not visible in my coinbase account, so I submitted a request to their support team. Later that day I got a vague email ( an automated response ) that they are working on my case and others. No further response ( its been now 11 business days since the transfer was made ). I have send multiple responses to this email, and there is virtually no response from them ( I feel that 8 business days is more than reasonable )

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Transunion, XXXX and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why Transunion especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with Transunion was XXXX and contained ( XXXX ) hard inquiry. On XXXX XXXX, 2016, for whatever reason ( s ), Transunion lowered my score by ( XXXX ) points? and added ( XXXX ) hard inquiries to my file? XXXX and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against Transunion for the identical conduct and they corrected my record. Sadly, Transunion did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2017 about Debt collection (I do not know) with Key 2 Recovery, Inc. (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I receive calls from a " XXXX '' representing " Keys to '' or " 2 '' looking for a XXXX XXXX who I am not. I have explained to this " XXXX '' several times over several phone calls that I do not know who this XXXX XXXX nor do I know how to reach him. 
I asked repeatedly told her to stop calling me as this is harassment. She previously stated that she would take me off her list but she obviously has not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CONVERGENT OUTSOURCING Date : XXXX XXXX, 2017 Source XXXX & XXXX Company CONVERGENT OUTSOURCING Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XXXX XXXX, 2017 Balance {$2400.00} I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy

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 10-11-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Customer service / Customer relations

Complaint: Walmart refused to take my order online, when even though I had a balance of credit to use it kept saying the card was not able to take the payment. I was transferred multiple times and ignored. They refused to take my payment over the phone and hung up on me repeatedly.

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 06/17/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I financed a home with an FHA mortgage in XXXX, XXXX, which was then sold to Freedom Mortgage. Because interest rates dropped, I refinanced the loan in XXXX, XXXX on a streamline refi. The title company, mortgage broker, and I all tried to obtain a payoff for the end of XXXX, but were unsuccessful until XXXX XXXX, which meant that the loan could not possibly close by XXXX XXXX. During this time, Freedom called me to see if I would consider refinancing with them instead of my current broker. I declined but they still did not provide the payoff until XXXX XXXX, which was good only until XXXX XXXX. After approximately 10 days, I called Freedom to see when I would receive the refund of my escrow account. I was told that it took three weeks because they had to determine if charges were pending against my account. I asked them what would be pending, and after looking at the account, they told me there were no pending items and I should receive the balance of my account ( est. {$2400.00} ) in approximately two weeks. I received a check from Freedom but for {$1400.00}. I called several times to get an explanation from Freedom but was told it was all mortgage insurance premium ( MIP ). Finally, the last representative told me that {$290.00} was MIP, and the remainder was a full month 's interest that they were required to charge on FHA loans since the loan did n't close by the end of XXXX. First, I do n't know how there could be additional MIP when I was told earlier that there were no pending charges on the account. Second, the FHA rules changed for all loans originating after XXXX XXXX, XXXX to require interest only to the date of closing, not for the full month. When I told the Freedom representative that, he said their training requires a full month, and that my mortgage broker and I were both wrong. They have not refunded the additional {$1000.00} due to me. 
Based on the responses I received from Freedom, I believe that this is a systematic effort on their part to overcharge consumers for MIP and interest not due to them. I believe that if you investigate all FHA mortgages owned by Freedom that originated after XXXX XXXX, XXXX that were refinanced, you will find that they have systematically overcharged consumers for both MIP and interest, and that they have deliberately delayed provision of payoff amounts to maximize the interest retained by Freedom.

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 10/24/2015 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is XXXX XXXX XXXX , XXXX. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There was a problem, where Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been affected gravely and my score is suffering as a result. No notice was given whatsoever, which is also a violation and I am requesting that the inquiries be removed : Please.. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Thanking you in Advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan servicing LLC took over our mortgage from IndyMac in XXXX of XXXX. IndyMac took our automated payment out on the XXXX of the month instead of the XXXX as scheduled causing an overdraft that snowballed. In the end we were {$980.00} overdrawn. 
We finally caught up 60 days later and began making our regular payments. We were assured that if we kept the account under 90 days late we would be fine. In XXXX of XXXX Ocwen put us on a modification plan without notice. I had turned down the modification earlier in the year as it added {$200.00} to our payment that we could not afford. In XXXX I sent the regular payment. It was returned at the end of the month for being less than the modification payment. This pushed us over the 90 day limit and Ocwen froze our account and would not accept any payment other than the full amount. 
In the interest of keeping our home we worked closely with Ocwen to bring the account current to no avail. In XXXX of this year we applied for a principal reduction through XXXX ( XXXX ) and were approved. In XXXX XXXX sent Ocwen {$27000.00} ( approx ) which Ocwen accepted and then sent us a notice that we were not eligible for their loan modification as we did not send all necessary documentation. We were then sent the monthly mortgage statement listing the XXXX payment and listing our new payment due on XXXX XXXX. We then received a new notice from Ocwen this month stating that our loan modification was approved and our payment was due on XXXX XXXX. 
I have made repeated calls to Ocwen and have gotten XXXX different quotes on which payment plan we have, the payment amount, and the due date. 
I also contacted Fannie Mae ( as Ocwen is their subsidiary ) for intervention and they have not returned my calls or made any move to correct the issues. 
Today ( XXXX/XXXX/XXXX ) Ocwen called requesting the documents to approve the modification plan! 
Their incompetence is beyond belief and is causing me undue stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: VIOLATION OF 12 USC 2605 SEC E WHILE DOING MY 2015 TAXES I NOTICED THAT CHAMPION MORTGAGE WAS CHARGING INTEREST AT MONTHLY RATE AND S/B ANNUAL RATE. I WROTE LETTER AFTER MANY PHONE CALLS WITH NO RESULTS. CHAMPION ACKNOWLEDGED ERROR AND SAID THEY WOULD FIX. TO DATE PROBLEM STILL IS NOT FIXED AND THEY WILL NOT ANSWER MY PHONE CALLS. TO DATE I BELIEVE THEY HAVE CHARGED OVER {$3000.00} IN EXCESS INTEREST, AND MIP. SEE ATTACHED FOR DATES AND OTHER INFO

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Was contacted by phone in XX/XX/XXXX, threw conversation with a person from the company determined that my social security number and date of birth that I was not the person they were looking for. The debt owed was for college loans and I never went to college.They continued to mail me letters asking for payments, that are not mine, at least three or four letters, the last dated XX/XX/XXXX. I have called at least three times and asked them to stop harassing me. Each time we established I was not the person they were looking for and they said it was taken care of.

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 05/30/2015 about Debt collection (I do not know) with Messerli & Kramer P.A. (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They will not tell me who the original creditor is have asked several times. They asked for proof of recieving XXXX XXXX months ago I provided it. Now XXXX months later there requesting it again. They have called me at my work in the past I asked them to not call me there within a month they called me there again putting my job in danger. Very rude on the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are some inquires on my report that do not belong to me. I have fully viewed my report and there are XXXX total inquires that I did not authorized. There are listed below and also attached with the exact dates. 

1. XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Please be advised that I, XXXX, complainant in CFPB Case number : XXXX, one that your system indicates as not having been disputed by my person, have never received a written and/or verbal response as to the complaint from Ocwen. Further, as has been the case in other circumstances when I have written to them, I am not in receipt of an acknowledgement letter from Ocwen as to receipt the complaint with a timeline for a response submission. 

This is not surprising, as Ocwen, in unpredictable with respect to continuity and consistency in its operations, especially outsourced global operations. 

I request that your office request Ocwen send me a complete, unedited, response to my complaint XXXX, to my person at my home address so that I can review the same for validity and content integrity, thus allowing me to accept and/or refute. If necessary, I do not have an issue with filing another formal complaint on the same issue. Thank you in advance for your assistance. XXXX. 
Ocwen Loan Servicing , LLC said :

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: Capital one 360 shut down my savings account and credit card accounts without giving me a reason. I had alot of points on my credit card that I had not used, they even ran my credit which now shows on my credit report. They are not giving me a reason as to why they have closed all my accounts

Company response to consumer: Closed with explanation