milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Debt collection (Payday loan) with Greenback Recovery Group, LLC (AZ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This complaint concerns the actions of Greenback Recovery Group in an attempt to collect a debt. On XXXX/XXXX/16 I received a voice mail message from XXXX XXXX at GR Group. She identified herself as a " Senior Arbitrator '' in the legal division, and stated that she had received documents identifying me as the " primary Respondent ''. She proceeded to state that I had written " bad checks from a XXXX Bank checking account attached to a social security number ending in xxxx ''. She then threatened to " pursue charges under the Federal Bank Fraud Statute for XXXX XXXX, Arizona ''. On XXXX/XXXX/2016, I received another voicemail message from Greenback Recovery Group. This time, XXXX XXXX claimed that " this matter has been approved for suit for A XXXX XXXX filing to bring you up on XXXX separate charges for Theft by Deception, Breach of Contract, and Writing Bad Checks out of your XXXX XXXX Bank account ending attached to your social security number ending in XXXX, and I do have the full social ''. She stated she represented an unnamed attorney network. At no time during either of the messages on XXXX/XXXX/16 and XXXX/XXXX/16 did she identify herself as a debt collector. Additionally, I had not received any kind of written correspondence from the GR Group. I contacted my attorney, XXXX XXXX. They then provided me with a demand letter that failed to identify the current creditor. I have attached a copy of this letter, and I have XXXX voice mail messages saved. Not only have I been the victim of illegal collection practices under the FDCPA, but I believe GR Group has violated the Arizona XXXX. XXXX XXXX XXXX ( XXXX ), a person commits theft by extortion by knowingly obtaining or seeking to obtain property or services by means of a threat to accuse anyone of a crime or bring criminal charges against anyone. The use of the threat language to " bring charges '' for theft by deception, writing bad checks and violations of the Federal Bank Fraud Statute is a clear attempt to get me to pay on a claim for breach of contract, by putting me in fear of criminal prosecution. I have been very distraught over these threats. I believe my attorney is in contact with the XXXX office regarding GR Group 's violation of XXXX XXXX. The communications with Greenback Recovery group have been very threatening, and much of the language used, such as " Senior Arbitrator for the legal division '' and " approved for Suit '' seem intended to convey that the collection agency is a Law Firm. 

My attorney, XXXX XXXX, can be contacted at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion is saying I have had 3 addresses. I have ONLY ever had XXXX XXXX XXXX, XXXX PA XXXX I am going to contact the post office right now too! 
Address Date Reported XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA 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 non-monetary relief
Consumer complaint received 07-02-2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (CA).
Issue: Unexpected or other fees

Complaint: I opened a RushCard back in XX/XX/XXXX for my direct deposit in XX/XX/XXXX I purchased a hotel through XXXX and as long as I cancelled by the cancellation date I would n't be charged. The hotel charged me twice. I made a claim through RushCard in which the declined. I had to send a rebuttal letter in which I did in XX/XX/XXXX and I have n't heard from RushCard I have called they said they they are going to send a message to corp. and they would respond in two business days sometimes they tell me they will respond in six hours. I asked how long they are respond to response to the rebuttal letters. I was told 30 days. I 've been waiting 6 months for my money. I 've been waiting 3 months for corp to respond to about the fees they are charging me to transfer between my two RushCard 's which are both under my same social. So last week I called a demanded my money from them and they sent another one of their messages to corp. yesterday I go to login on my account to find it was suspended I call they told me hay corp said that it had the wrong social attached. Now keep in mind I had that second card since XX/XX/XXXX when I call enter my social in IVr it said that I have two cards under my social. They closed it without my knowledge and caused me returned payment on two of bills. They than sent me a check that they say will take 7-10 business days. I am moving out of state next week and I wo n't be here to get that check and I have two bills that are delinquent now. RushCard has stolen over 600 $ from me. I demand that they are investigated and shutdown!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with WELLS FARGO & COMPANY (CA).
Issue: Other transaction problem

Complaint: I used Wellsfargo  XXXX  to send money to my mother. I wrote her name and typed in a phone number to transfer the money. Turns out the name and number did n't match, because there was a typo in the phone number. The money was still sent. I immediately called them right after the transfer before it even completed. They waited two weeks before giving me a resolution and just told me according to their research the funds are now gone, and even though the name and the phone number did n't match Wellsfargo still transferred the funds and there is n't anything they can do about it, unless the person voluntary gives it back???
Institution : Wellsfargo Application :  XXXX  Amount : {$500.00} Transfer :   XXXX   XXXX  , 2017 Action :   XXXX   XXXX   2017 - opened claim   XXXX   XXXX  , 2017 - reopened claim Spoke to a banker, he 's trying to file another claim to the internal resolution team and advocate for me I forced them to reopen the claim after they closed it, when they told me they tried " calling '' the other financial institution and that was it. Even if I was take this person to small claims, Wellsfargo will not provide me with documentation of the information of where the money was transfer to so I can take the person to court. So long story, short they are leaving me high and dry. They told me to handle it myself but even then they are not providing me with much information to handle the situation myself.
The general attitude was tough luck to me. I have a personal banker that I encounter that is trying to advocate for me but it seems bleak. I do n't know why they sent my money even if the number did n't MATCH THE NAME!

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 07/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio recovery agreed to delete account number XXXX after I settled with them and paid {$500.00} to settle the debt. The debt is still on all XXXX of my credit reports ( XXXX and XXXX ) as a " paid '' collection. This is not what they agreed to do, they agreed to remove it completely if I paid the {$500.00}, which I did. That money was very hard to pay, I am a XXXX veteran and I scraped our last money together to give to them and they did n't do what they said they 'd do.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Credit card) with Harrington, anderson & deblasio (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was directed by my employer to use my XXXX XXXX card for business and the company went chapter XXXX and did not reimburse me. ( that is what I was told ) Then I was forced to sign a judgement under duress, while my husband was XXXX from XXXX XXXX. This is only a partial explanation of what exactly happened.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: We overpaid our credit card by {$20000.00} to capital one and have requested reimbursement for the overpayment on two separate occasions, starting 4 weeks ago. Each time we have been guaranteed that we would be issued a check for the overpaid credit balance within two weeks of request. We are now going on the third request for those funds to be repaid to us. According to the truth in lending act, it is my understanding that a credit card must issue a refund for overpayment of credit card within 7 days of the initial request. We are now on at least day 28 and refund has not been issued. Tonight was my third time of trying to resolve this issue and the process has started all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: I have sent numerous correspondence to the XXXX XXXX and Transunion in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I  have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is not a duplicate complaint. In a prior complaint, XXXX inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. XXXX responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, XXXX is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to Experian. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX. Experian 's system does not allow me to dispute this issue since I disputed it the first time this occurred and experian thinks this is a duplicative dispute, which it is not. XXXX previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for XXXX, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at XXXX that affects numerous consumers besides myself.

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 02-10-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech mortgage has been charging me escrow since XX/XX/XXXX. my taxes were always paid by me. They have overpaid the City of XXXX XXXX taxes 2x and are not correcting the problem. This all stemmed from a XXXX charge from DiTech on XX/XX/XXXX, I called to make sure it was it was cleared up because they said I did n't pay my taxes in which I did. I sent them proof. XX/XX/XXXX I paid my taxes and Ditech paid too. I specifically stated that I pay my own taxes and insurance from the beginning.I sent a letter showing a credit XX/XX/XXXX in the real estate tax office of XXXX. I told them not to pay the City of XXXX XXXX because they were paid. They paid anyway and charged me. I also have always paid an extra {$1000.00} extra principal. I can not get this straightened out as they keep overpaying my real estate taxes and refuse to send me a copy of a letter they sauy sent to City of XXXX XXXX for a refund. 
This is the worst mortgage company I have ever dealt with in 20 years. 
Please help. As of today they are charging me for escrow and the city has a XXXX credit of real estate taxes in my account.

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 06/23/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have paid my 6.25 % interest loan faithfully for 12 years. I finally paid my balance off enough to have 20 % equity therefore allowing me to refinance my loan. I attempted to get a payoff from Ocwen first in XXXX and then again through the lawyer who is handling the refi. He was unsuccessful for a time, but I eventually made it happen around XXXX XXXX. The payoff was sent to the lawyer. My principal balance was somewhere around XXXX on my XXXX statement. I was sure the payoff would be somewhere around XXXX. I received the closing statement XXXX XXXX before the scheduled closing on XXXX XXXX. The payoff Ocwen sent was XXXX. I have submitted a dispute. Ocwen says they need 10 days to research something that should pop up on a computer. 10 days is {$700.00}. Ocwen stalled giving me my payoff ( at least 3 weeks ). They gave an incorrect payoff and are now forcing me to make another {$3500.00} payment to them before I can refinance the loan. I am concerned I may never get a correct payoff. They do not want me to pay this loan off. I am super concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit card () with Alliance Data Card Services (IL).
Issue: Privacy

Complaint: I recieved calls and messages from my XXXX brothers, their XXXX wives, and my father stating a man is continuously calling them and leaving messages about a delinquent credit card account and they are filing court papers the next day and he needed to speak to me. I called him, and the credit card # he says i have is wrong for one and then he told me i had to pay {$510.00} right then or id be in a lot of trouble the next day. I told him it was not possible and that thats not my credit card number. He started to yell at me and threaten me, saying he knows im XXXX and id better pay it now or he would be sure to get my XXXX. I hung up on him. He called 3- 4 more times and left a threatening voicemail on our phone. His name is XXXX XXXX XXXX, and he told all XXXX of my family members what debit he was going to collect from me or such and such would happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is in reference to release of insurance money owed to us by Green Tree Mortgage for flood damage that was approved by our insurance company. We suffered flood damage to our home on XXXX in XXXX. We submitted all claims/ required paperwork to our insurance company XXXX XXXX XXXX and they were amazing and expedited everything we needed to do repairs. They issued a check to us on XXXX which had to be co signed by our mortgage company, Green Tree Mortgage XXXX we did not pick this mortgage company directly as they are result of XXXX selling our mortgage to them XXXX. Green Tree cashed the check on XXXX/XXXX/15. I have submitted all the required paperwork and every time I speak to them, they give me the run around and seem to conveniently misplace the paperwork that I have been sending and keep having to resubmit. Every time I inquire on where my funds are, they come up with another reason why they can not release our money to do our repairs. We complied with everything our insurance company needed including documenting and approving all contractors. Now Green Tree is saying that they can not approve our contractors? What right do they have to do this when we complied with all of the proposal requirement and contractor requirement from our insurance. Each time, with over XXXX calls place to Green Tree Claims Department, I sit for over 35 minutes just on hold with Green tree to try and get a live person and continue to get the run around and meanwhile I am living with rotten flooring and sheet rock. As of XXXX, no progress has been made. Per your site, there are having numerous complaints against Green Tree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Payday loan () with Big Picture Loans, LLC (NV).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX/XXXX/2015, I obtained a payday loan for {$400.00}. Starting on XXXX/XXXX/2015, I have been paying back on the loan in the amount of {$100.00} each month. 

XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} The above payments totaling {$400.00} have been ACH debited from my checking account to repay the payday loan. As of XXXX/XXXX/2015, my payday loan account information on the www.castlepaydayloan.com website is showing an outstanding balance of {$20.00} that still needs to be paid towards the payday loan. When I contacted Castle Payday Loans customer service department on XXXX/XXXX/2015, to pay the remaining {$20.00} owed on the payday loan, I was advised that I still needed to pay {$520.00} towards the payday loan because the {$100.00} payments I have been making every month have only been applied towards interest and finance charges, according to Castle PayDay Loan 's customer service department. I asked to speak to a superviser regarding my account and was transferred to a superviser named XXXX, who advised me that I have not paid towards the payday loan and that the {$400.00} I have paid so far was only for interest on the loan. That is crazy and I do not understand how much money Castle PayDay Loans is expecting me to pay back for a payday loan of {$400.00}. None of their customer service representatives or supervisers can explain it to me to where it makes sense and so that I can understand. I want them to stop ACH debiting my checking account, but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (WV).
Issue: Loan servicing, payments, escrow account

Complaint: I had a HELOC loan with Wells Fargo and prior to the end of the draw period I contacted them to convert the load to a fixed rate Home Equity " Loan ''. This was completed in XXXX 2015. In reviewing my Credit reports on XXXX/XXXX/15 I noticed this account was still showing up as a " Line of Credit '' instead of a loan for a fixed amount and is adversely effecting by credit scores because of false " credit utilization '' information this incorrect information is causing. I contacted Wells Fargo on XXXX/XXXX/15 requesting they notify the XXXX credit bureaus of the corrected information and was told that technically this account was still a Line of Credit even though it is not. I explained that the incorrect information was having an adverse impact on my credit scores but was told there was nothing they could do. I advised them that when i converted the Line of Credit to a loan prior to the end of the draw period I was told Wells Fargo representative XXXX XXXX that this account would now show a loan on all my records even though the account number remained the same. This has now proved to be false information. I was told the opposite on XXXX/XXXX/15 by their representative who identified herself as " XXXX '' that made no difference and in fact Wells Fargo discontinued " Home Equity Loans '' in XXXX of 2015??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation