milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Midland Funding is collecting the debt for my XXXX XXXX XXXX credit card. I have had health issues and unemployment which has put me far behind on repayment. Midland has repeatedly called me, from cell phones with US numbers, to demand payment with the threat to forwarding my account to an attorney for legal action. XX/XX/XXXX, XXXX and XX/XX/XXXX, " XXXX XXXX, '' ( they all use pseudonyms ) was the most aggressive. He called continually, though I explained I was unemployed and was having trouble meeting basic needs and that I could not spare anything to pay toward this debt. I said I would have to pay at least {$25.00} and agree to have the same amount withdrawn from my checking account, the next month as well, or my account would be sent to an attorney. I was told I would be contacted to set up another payment plan after these two payments. I blocked his calls after these payments. XX/XX/XXXX XXXX EDT, I received a call from a XXXX XXXX, CA number and it was " XXXX XXXX  '' from Midland. I had to explain at least 5 times the same situation as explained to XXXX XXXX XXXX XXXX. '' She continued to repeat herself about making a payment. I asked her to call back in a month which she said she could n't promise and that she ca n't control whether or not my account will be forwarded to an attorney. I repeated this back to her that, " if I do n't make a payment, you may forward this on for legal action. '' She stated she did n't say this. Verbatim, no, but it was strongly implied. I called back to get XXXX XXXX XXXX XXXX '' name since I was driving when she called. I was forwarded to " XXXX XXXX, '' who was very conciliatory once I shared my experiences with him and told him I will be filing a complaint. He is some sort of manager. I had asked if either debt forgiveness or reduction was something that could be discussed. He said their company has n't the ability to make those determinations but declined to tell me who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been XXXX since XXXX with private XXXX as my only income until XXXX. In XXXX, my private XXXX company began to withhold my monthly benefit from me reducing my income by more than 50 %. This is non-cancellable policy insured to age XXXX. I purchase my home in XXXX XXXX with a loan from XXXX XXXX, who sold it to XXXX. I notified XXXX of the hardship. They informed me I had to apply for Hardest Hit funds first before I could get a loan modification. I did and Hardest Hit funds were applied to bring my loan current. Then I asked XXXX for a loan modification. XXXX turned me down because my loan was current via Hardest Hit. once the Hardest Hit funds were exhausted, I I applied for a modification. Through XXXX 's delays and putting me off- by the time they finally began talking to me about loan modification, they said I was too far behind to qualify for many programs. Many of the HARP programs I did n't qualify for because I purchased my home in XXXX. However, I was forced to purchase this home due to being displaced from my home purchased in XXXX XXXX as a result of an unexpected divorce. A home that I owned with my husband, but I was not on the loan with. I was the person who serviced the loan, but the lender would n't transfer the loan into my name because the house would n't appraise for the amount owed. 
In XXXX XXXX finally agreed to let me make trial payments which I did. After the 4th or 5th payment, they sold my loan to PennyMAC. They did n't like my signature the first time, then they did n't like the military format I used for the date the second time. Then there was some vague language about a {$60000.00} balloon at the end of the loan I did n't understand. As I communicated with PennyMAC, I was told my loan was in review as late as XXXX XXXX. The loan docs were expired, and they could n't send new ones but said I could apply for new ones. XXXX XXXX I received foreclosure notice and date to sell my home of XXXX XXXX. We submitted new documents immediately, but they only confirmed the docs on XXXX XXXX. They said it would take 30-45 days for an answer. 18 days later they rendered a denial saying they had exhausted all options and that my income was too low and what I was behind with penalty and fees was too much. As soon as I hung up with XXXX XXXX, I went to XXXX for an eligibility questionnaire and I qualified to apply. I received a confirmation number and will receive logon credentials for an application within 24 hours. l have a debilitating condition and I care for XXXX XXXX children who need the stability of our home which we 've enjoyed since XXXX. We 're the very example of why these programs are created, but the process is too complex to make them accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was affected by the large hack of Equifax. I do not know what impact this will have on my long term financial well being but in the short term it will absolutely affect my ability to obtain credit as I will be be placing a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Hello On XXXX XXXX, 2017, I transferred from my account at Coinbase the amount of EUR XXXX to my bank XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX. To this day, the money has never arrived. I have written to Coinbase support several times and called by phone. They recognized my problem, but do not respond further to my emails or calls. Every time they say the same thing : they would try, but nothing is done. I do not know what else to do. Could you please help me? 

Kind regards XXXX XXXX XXXX XXXX XXXX XXXX Tel. : XXXX Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Other debt) with U.S. BANCORP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom it May Concern : I paid The Offices of XXXX XXXX XXXX   {$1100.00} on XX/XX/XXXX, for my US Bank account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to US Bank that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed US Bank about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by The Offices of XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help!

~XXXX XXXX XXXX   XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <c.XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me.

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with U.S. Bank today and this is a federal offense. The money I gave to your company on XX/XX/XXXX, was not paid to U.S. Bank and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document onXX/XX/XXXX, my debt was paid to U.S. Bank by your company, and this is false information.

I need the owner or supervisor to contact me immediately.

- 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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Total Card, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed an original complaint against XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX regarding a wrong reporting 30 day late pay on the credit card account complaint number XXXX. ( I have also attached the email confirmation for this ) On XX/XX/XXXX I was emailed by CFPB stating that my complaint will be referred over to the Federal Reserve ( I have also attached that email ) On XX/XX/XXXX I received an email ( attached ) from the Federal Reserve stating that they received my complaint from the CFPB and that it can take up to 60 days to resolve. Fast forward to XX/XX/XXXX I received an email from XXXX XXXX from the Federal Reserve stating that the investigation of my complaint has been completed. ( attached email / Letter of result " I highlighted the key words here '' ) on the letter dated XX/XX/XXXX XXXX XXXX told the Federal Reserve that they are reporting my account closed across all 3 credit bureaus. ( which I highlighted in attachment ) This is false and it continues to report open. I advsd XXXX of this and she proceeded to ask me why the bank returned the payment which I responded why ( all attached ) and she never addressed the fact that the account was still reporting open. I gave it some time so fast forward to XX/XX/XXXX I emailed XXXX advising her that XXXX XXXX was still reporting my account OPEN on my credit report ( email attached ) so she can see the company was lying and not reporting correctly. She did n't respond to the email but she did call me about a week or so later advising me to give it some time to update ( at this point it was 43 days since the Federal Reserve later stated the account should be showing closed ) Im aware it can take 30-45 days to update a report sometimes even 60 days, so I waited. 60 days would be XX/XX/XXXX. Fast forward to XX/XX/XXXX I checked my credit report ( attached ) and as of todays date the account is STILL showing open. I emailed XXXX to update her. But I have also attached all correspondence. At this point I just want this account REMOVED for reporting incorrectly. Per the FCRA any inaccurate information reporting MUST be deleted. They continue to report when I no longer have business with them and they themselves said the account should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Settlement process and costs

Complaint: This is a follow up to the complainXXXX. 
I was informed yesterday that i need to to check the to the XXXX XXXX, XXXX XXXX /customer Services and they will endorse the XXXX check via the branch Endorsement code, and the both claim has been updated with that information which allows them to endorse the checks. 
After 4 hrs driving & waiting and the customer Service rep. ( XXXX XXXX XXXX XXXX ) informed me that they are not able to do this and requested inspection, which has been performed and order and the cost waied, along with other documentation. 
why?

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: cra violation XXXX sent me a letter that said they were going to fix my lates b/c it was their fault not its 60 days destroy my credit

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 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone is trying to open a credit card under my name on XXXX and 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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 1 ) XXXX of XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 )  XXXX/ XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX XXXX.. ( XX/XX/XXXX ) 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/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 09/15/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I just find out that I have an account in collection without my knowledge and also received some collection calls on my cell every hour of the days. I am getting treated and intimidate by this calls. I already filed one time for Bankruptcy and I regret it. I do n't want to have to contact an attorney and filed a complaint about this calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with SYNCHRONY FINANCIAL (KS).
Issue: Unsolicited issuance of credit card

Complaint: Filed a dispute against a merchant for not sending goods as ordered. I called synchrony bank which manages my XXXX master card. They took the dispute but have declined to give me temporary credit during the investigation. They are sending me bills to pay on the amount charged by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Federal student loan) with Constar Financial Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt is ineligible for collection. Debt never paid and is noted as going into default on XXXX. Statue of Limitations in CA has run as well as 7 limit on credit reporting.

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 10-11-2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I contacted Webster Bank and I provided my SSN and the Bank Account number but webster insisted I go into branch to " verify '' my information. I was traveling at this time and am currently located in XXXX for ~week.  Webster has ~ {$10000.00} of my money and they refused to provide help and insisted I go into branch to remove some nonsense security freeze on my account. Generally I like webster but there on-phone reps Supervisor XXXX and frontline rep XXXX can not deny access to my money because they feel like it. Frankly I think its criminal that a bank can deny access to funds because they feel like it. They even refused to provide information as to how I could get my funds insisting I must go into branch. I would like compensation for any travels I had to do to go into branch and a revision of the stupid policies at webster on security holds

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Credit card) with Messerli & Kramer P.A. (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Messerli and Kramer -XXXX, MN XXXX. 

This company sent a FAX to my work office with My name the last 4 digits of my SS #, asking for employment information from my employer. 

This FAX machine is a PUBLIC fax machine with multiple people being able to access this personal and confidential information. With bold lettering stating that it is debt collector and an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: We had a tax lien on our report from XX/XX/XXXX. InXX/XX/XXXX the lien was paid. The lien was not released untilXX/XX/XXXX. Please see attached documents that show paid and release dates. It also mentions cancelled from record. These have already been removed from all three bureaus, this is still showing up on my Equifax and XXXX. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Transaction issue

Complaint: I have Opened an account at Chase -- Three months ago. 
I got a Credit card with Chase -- Freedom Unlimited Visa. 
Recently during the HOLIDAYS XX/XX/XXXX I made a purchase ( around {$600.00} best buy ) with the card as I got a very nice deal on few items. The transaction went thorugh without any issues and was cancelled after three days as the transaction was declined by Chase. Chase Freedon Unlimited says that it went to Fraud and they placed a hold on it. I did not receive any call from Chase regarding the decline. 
I called the Chase Visa office directly and they said they can not do anything about it. 
I am really disappointed with the service. 
These are the reasons for my disappointment 1. I did not get call that my creadit card was declined from Chase. 
2. My shipping address is same as my Chase Credit card/ Bank Address . 
3. I have a really bad experience with Chase as nothing was done to keep me as a customer 4. Who will cover my loss as the deals are no longer available in any store.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: TransUnion charges {$10.00} to initiate a freeze or lift a freeze online. This is exploitation at a time when a large number of Americans are affected by the XXXX data breach. Why should I pay for protecting my data when I never consented to its collection in the first place?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Enova International, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I took out a loan with Cashnet USA back in 2014, long before I knew that the loans were void in my state. I took the loan out to cover a short in regular bills. They began charging my account right away, and I ended out having to reborrow the amount that I had to pay in fees, just to keep up, after the first few payments. It became a cycle. The loan finally exhausted my funds completely, and I had to close my account to be able to make my regular monthly expenses. I found help last year from a company and a group that helped me understand that the loan was void. I paid the company to help me with payday loan issues, but they took money without actually working things out with CashnetUSA. The other was a non-profit group that helped me with the payday loan help company, and CashnetUSA. I think my balance at that time was {$300.00}, or so, though with the Line of credit loan, it was always hard to tell. Because the loan was void and unenforceable, I tried to move on, and I tried to get the money back through my bank, but that was not successful. So I just went back to paying my bills, and trying to recover from the hole the loan had left in my budget. Since then, I have had phone calls, emails and letter from Cashnet USA, telling me that I am behind. I do not wish to have them calling me anymore, but from previous contact with them, I was afraid to call them again, for fear of harassment by them or another entity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: I have a satisfaction of judgement from American Express yet they continue to report that they have a judgement against me. The judgement American Express has against me was initiated via a fraudulent subservice, the very least American Express can do is stop reporting the judgement now that a satisfaction of judgement has been processed.

Company response to consumer: Closed with explanation