milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: The Loan " Servicing '' company my mortgage was transferred to is cheating consumers by not applying additional principal payments made on accounts in a timely manner -- or possibly even at all. My normal payments are made via auto-withdrawal from my checking account each month. The amount I owe is {$1200.00} and I always pay {$1300.00}. The additional {$39.00} should be applied toward my principal but they " withhold '' this money in unapplied funds. I do believe it is eventually applied, though I am not 100 % sure but it is not done immediately and therefore interest is accuring and thus in the end I am charged more. MY BIGGEST ISSUE : I recently sent a paper check to make an additional {$3600.00} payment toward my principal. I noted principal payment both on the check and on the payment coupon enclosed. They applied only {$2300.00} of the {$3600.00} toward my principal and then applied {$1200.00} toward my regular payment due XXXX XXXX -- -and then auto-withdrew my normal XXXX payment and applied it to XXXX. Though I am not a financial guru, I am confident that I am not coming out ahead in the interest calculations with the method they are using. They need to apply additional principal payments IMMEDIATELY. I made a phone call this morning and they indicated they would correct the issue ... ..How many people do not realize their deceptiveness and make that call. Americans like me work too hard for their money and when they get the opportunity to try and pay down a principal on a large mortgage, they should not be deceived by these large companies. I did n't choose OCWEN ... ..my mortgage was transferred there. The company is OCWEN Loan Servicing , LLC and the only address I have is XXXX XXXX XXXX ; XXXX XXXX XXXX, FL XXXX. This deceptive practice needs to be stopped across the board with all lenders. We should not have to babysit these companies and make them appropriately apply our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Payday loan () with Big Picture Loans, LLC (MA).
Issue: Charged fees or interest I didn't expect

Complaint: I had signed up for a loan through Big Picture Loans. I kept getting mail from them saying I was pre-approved for a loan up to XXXX $ then it was {$800.00}. I had applied online and was approved for XXXX XXXX I had signed up for the call in and make a payment option. I never authorized them to EVER withdraw money from my account. They never disclosed to my wife and me that the APR was 909.9999 %. The company had told me that it was a one-year loan with a payment of XXXX $ a month. I looked more into it and they were charging me XXXX $ a month for a payment then {$350.00} a month finance charge. They were charging me {$8900.00} for a finance charge, which they NEVER DISCLOSED to me. They then are charging me a total of {$9900.00}. They told me again that this loan was only a XXXX loan. On the Documents, they say my last payment is XXXX/XXXX/XXXX which is a two-year loan. I had called them and told them they were breaking the law and told them they need to bring it down to 20 % APR and they said we will not do that. They wrote a FRAUDULENT CHECK. They wrote a check on XXXX XXXX XXXX and then processed it on XXXX XXXX and then when it got sent back they tried again on the XXXX of XXXX. I had to go to my bank and close my account because they now are writing fraud checks on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Credit card) with CITIBANK, N.A. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from XXXX on Monday XXXX/XXXX/15 at XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX XXXX of XXXX on Friday XXXX/XXXX/15 at XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt to Sears for {$850.00}. He claims I opened this account in 2005. 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter in the mail from MCM/Midland Credit Management, INC 0N XX/XX/XXXX advising me that they are the new owners of a debt they say I owe in the amount of XXXXXXXX.I called and spoke to a associate and he asked me for the account number, I provided it, and then he asked me if I was calling to make a payment, I advised him I dispute this debt, and he told me I have to dispute it in writing.I sent out a LETTER ON XX/XX/XXXX, I was told that if I do n't pay this it will be reported to the credit bureaus.I told him not to call me.This account was purchased by Asset Acceptance and they also harassed and threatened me.This account was opened in XX/XX/XXXX with XXXX and paid, I had XXXX months no interest .I am not sure how many companies have attempted to collect this money I do not owe, but it has been several.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two accounts listed on my Transunion credit report, that are a result of identity theft. According to Federal Law, credit reporting agencies have a due diligence when identity theft accounts are reported with all elements as required by law. I reported these items as fraud with accordance to FEDERAL LAW 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and these items are still appearing on my credit report. The following items are : Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Creditor : XXXX Account : XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Please see police report provided with all FCRA 605 requirements. All elements required by law is contained in this request. Remove within 5 days per FCRA I have submitted the following items to the credit reporting agency and they still continue to illegally report these items. You can see all back up documentation attached to this complaint.

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 11/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Fraud or scam

Complaint: I recently transferred funds from coinbase to XXXX ( XX/XX/XXXX ) and the funds went through. I then transferred the funds to my XXXX address XXXX and see that my transaction is pending in coinbase but says sent in XXXX. When I grab the transaction hash from XXXX it shows that it is invalid. Left 3 trouble tickets XXXX ( case id : XXXX ) coinbase ( case id : XXXX and XXXX ) and called support afterwards they told me they would look into it and 4 days later nothing no transaction on the blockchain. Support told me to submit a ticket which I have and of course they never respond. I transferred XXXX litecoin and really want get rid of my coinbase now but am stuck dealing with this. I 'm not about to lose XXXX and still need to send XXXX litecoins but am afraid they will be lost too. When i entered the txid hash provided it shows invalid on the blockchain XXXX XXXX XXXX XXXX XXXX also shows 0 confirmations in coinbase. I feel this is the only means to try and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I OBTAIN MY CREDIT REPORT FROM ALL  XXXX  CREDIT REPORT AGENCIES AFTER BEING DENIED CREDIT AND NOTICED SEVERAL INACCURATE AND INCORRECT ITEMS AND ACCOUNTS THAT DID NOT BELONG TO ME NOR DID I APPLY FOR. I HAVE DISPUTED THIS ITEM WITH THE CREDIT BUREAUS. I HAVE ALSO FILED A IDENTITY THEFT COMPLAINT WITH THE FT C ( FEDERAL TRADE COMMISSION ).   FTC REPORT NUMBER :  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Federal student loan servicing) with Real Time Resolutions, Inc. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: During my period of unemployment I defaulted on my XXXX Student Loan. I entered into a loan rehabilitation program with a verified collections agency with XXXX. I was contact will paying the verified agency by another agency called Real Time Resolutions. While not important my loan is out of default. I have contacted the XXXX regarding the negative reporting by Real Time Resolution in the amount of {$1.00}, XXXX when my loan was no longer in default and had been rehabilitated through an agency they verified. I was informed today XXXX XXXX, 2016 by XXXX, in customer service ( XXXX XXXX ) that Real Time Resolutions is not a recognized as an agency working with XXXX. This company has fraudulently report that I owe them an unpaid balance when I never had an account with them nor did they have the right to attempt to collect on behalf of the XXXX for my defaulted XXXX Student Loan. I am working to restore my credit from my period of unemployment and here this company is reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by Midlands Credit Management and they continue to claim I owe them a debt. I checked my records and I do not recognize the debt. They say it is from a credit card with XXXX but I never had a credit card with them. I told them over the phone I disputed the charge and then sent me a letter stating they disagree with my dispute. Now they demand I pay over {$4000.00} to them immediately, which of course I do not have. After looking into this company it is difficult to determine if they are a legitimate debt collector. I also receive a number of calls stating they are a company collecting a debt however the messages never state a name of the person they are looking to collect a debt from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX  and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to transunion and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: ON XX/XX/XXXX I FILED A COMPLAINT WITH THE CFPB COMPLAINT NUMBER XXXX. ON THE MORNING OF XX/XX/XXXX I CHECKED MY CREDIT REPORT VIA XXXX XXXX AND EQUIFAX HAD REMOVED SEVERAL ITEMS FROM MY CREDIT REPORT AND MY CREDIT SCORE HAD WENT DOWN 185 POINTS. EQUIFAX HAD DELETED MY XXXX XXXX  ACCOUNT BUT AFTER I DISPUTED AND SUBMITTED TO CFPB THEY PUT IT BACK ON MY CREDIT REPORT BUT THEY DID NOT PUT MY POINTS BACK. IF YOU LOOK AT MY CREDIT SCORE ON XX/XX/XXXX IT WAS XXXX  POINTS. ON XX/XX/XXXX IT WAS XXXX -- -185. EQUIFAX HAS NOT PUT MY POINTS BACK. I FEEL THEY ARE NOT SCORING MY REPORT PROPERLY. I HAD 2 BANKRUPTCY REMOVED AND MY CREDIT SCORE IS NOT REFLECTING A INCREASE IN MY SCORE. ALSO ON XX/XX/XXXX EQUIFAX HAD DELETED XXXX INQUIRIES FROM MY CREDIT REPORT AND ADDED THEM ALL BACK ONXX/XX/XXXX I SENT CERTIFIED LETTERS TO ALL OF THE CREDITORS ADVISING I DID NOT AUTHORIZE THESE INQUIRIES I DISPUTED WITH EQUIFAX THEY REMOVED THEM FOR 1 WEEK. AND PLACED THEM ALL BACK ON MY CREDIT REPORT TODAY XX/XX/XXXX. I AM ASKING EQUIFAX TO LOOK  INTO MY CREDIT FILE AND SCORE MY REPORT FAIRLY. THERE IS NO WAY WITH ITEMS REMOVED AND 2 BANKRUPTCY MY CREDIT SCORE HAS NOT INCREASED BUT DECREASED.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MN).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX we applied for a loan modification due to my husband 's unemployment and he had to have XXXX. US bank waited until XX/XX/XXXX to finally get back to us with less than a week for us to respond to their offer. The offer was reduced payments starting XX/XX/XXXX, but now husband is back to work and we do n't qualify for that. We tried several attempts to contact them. The woman that we are supposed to be talking to finally call us back and said she would fax a new form for us to apply for, but we have n't got. The deadline in XX/XX/XXXX We are willing to pay our mortgage, but we need help for the past months that we did n't have the income to pay it. It feels like they are playing games with us and setting us up to fail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I was financing an auto loan with Bridgecrest and on XX/XX/2017 I was struck from behind while sitting at a stop light. The vehicle was total and XXXX sent a Vehicle Value Report with a settlement value and is waiting for the letter of commitment to finalize the contract. I called several times to close the contract so I can find another vehicle. It's been several weeks, Bridgecrest never contact my Gap insurance, is collecting payments, charging interest and stalling to secure another auto loan.

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 08/19/2017 about Debt collection (I do not know) with Revenue Assistance Corporation dba Revenue Group (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received two phone calls that I answered ( there may have been other calls that I did not answer or we were not home for, but I answered twice ). The first was approximately 3 weeks ago to my home number, the second to my work cell, so clearly they are targeting me as while not hard to find, it took some research to find my work cell. The call was the same each time. 

It was a male voice, they identified themselves as calling from the Revenue Group ( XXXX ), which can be found online at : http : //revenuegroup.com/. They said they were calling on behalf of their client XXXX XXXX XXXX who can be found at : XXXX XXXX XXXX  Local phone # XXXX and were calling regarding debt I owed. Since I owe no debt I was suspicious of a scam much like the various other scams that are similar. 

On the first call I simply said I owe no debt and hung up. The second call came around XXXX on my work cell phone. It was the same claim. This time I said they were a scam and I had reported them to the FBI and hung up. I then followed up that call by calling XXXX XXXX XXXX who appears to be a credit card processing company and asked them if they knew who The Revenue Group was and would they use them to collect debt. XXXX, of the tech support department said they did not know who they were and did not use them. 

I have also reported this to the FBI and filed a clam ; the FTC and filed a complaint and will also call my State Attorney General 's Office. 

I would like them investigated as this is harassment and fraudulent. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Credit card) with Central Portfolio Control Inc. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There is a certain debt collector known as Central Portfolio XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Payday loan debt) with Bronstein & Weiss Arbitration (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was contacted by XXXX XXXX XXXX XXXX on XX/XX/17 saying that there were contacting me from the City of XXXX XXXX DA 's office and that I was currently facing trail for nonpayment that I was going to be served papers and that I was going to be summoned to go to court. I was told that the only other option was to pay {$1200.00} by credit card or pre-paid card only and that I had to make the payment that day in order to not be processed in to trail, the person name was " XXXX XXXX '' with the City of XXXX XXXX DA 's and this was her one and only communication as a courtesy I asked for them to email me a paper trail and all they sent over was the attached.
Their address is linked to a XXXX in XXXX, NY The number they called from was XXXX an known scammer

Company response to consumer: Untimely response
Consumer complaint received 03-05-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was incurred from medical charges from an auto accident. The attorney settled the debt with the hospital. I have tried repeatedly to communicate with the collection agency and every time I call they say I have the wrong department and transfer me several times before hanging up. It is very frustrating and this is impacting my credit score which I have worked very hard to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: macys/dsnb according to XXXX is still reporting 60 and 90 day late pays i have a letter from macys stating it was all taken care of but XXXX is blaiming macys/dsnb will enclose copys for you want the 60 and 90 day late payments off of my credit report

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 06/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief