milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with Critical Resolution Mediation LLC (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX I was contacted via phone by a person named " XXXX XXXX '' who claimed to be an attorney with Critical Resolution Media ( CRS ) based out of XXXX, GA working on behalf on XXXX XXXX XXXX. This gentleman informed me that I " owe '' a debt on a XXXX XXXX credit card, but was unable to provide the original date or state in which the debt incurred. He said I needed to pay an amount over {$600.00} to make this problem go away. 

I informed him that I had paid off that credit card back in XX/XX/XXXX or XX/XX/XXXX, and that money is no longer owed. He then began raising his voice at me and using " guilt inducing '' language such as " if you 're an honorable, honest person, you will pay this debt right now at this moment '' and made many references to legal trouble, criminal charges, ruined credit, and shame in the community. I reminded him that debtors prison has n't existed since the beginning of the 20th century at which point he became angry, raising his voice and threatening once more that if I did n't pay this debt I would be " setting myself up for a world of legal trouble and ruined credit ''. 

At that point I asked him verbally to please stop contacting me via phone and only send correspondence via mail. I did ask him to send me any and all information he had pertaining to this debt, and he sent me an email containing a completely different amount " owed, '' ( the email says I owe $ 1300+, NOT the $ 600+ he  mentioned on the phone ). The email also detailed that the original date of the debt was in XX/XX/XXXX, which is not possible, as I did not open or possess a XXXX XXXX credit card at that time. There are no debts or collections to XXXX XXXX XXXX on my credit report, and I can find no public record of any debt that I owe to XXXX XXXX XXXX. 

After the email, I looked up CRS on the internet and saw dozens of reviews outlining similar situations. My instinct is that this is a fraudulent company that relies on bullying and threatening tactics to trick people into paying debts they do not owe. 

Today, CRS called my home phone number ( not my cell number that they originally contacted ) THREE separate times, which was answered by my mother. Each time the company called, the same person 's voice identified himself using 3 separate names, and continued to threaten legal action, criminal charges, and ruined credit. At this point, CRS has crossed the line into harassment. They still have not sent me ANYTHING in the mail as I requested, and have provided no real proof that this is a real debt or that they are a reputable company. 

Please do something about this organization! I am not the only person they are harassing for a debt that does n't exist. I will provide their contact information below so they can be easily found : XXXX XXXX Critical Resolution Mediation LLC XXXX Phone ( XXXX ) XXXX ext XXXX Fax ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian will not let me delete addresses that are not mine, and multiple names on my credit report that are misspelled or incorrect format. These addresses are incorrect or belong to family members and they appear on my name along with accounts that are also not mine.

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 09/26/2017 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: Information is missing that should be on the report

Complaint: XXXX and Trans Union are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.

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 01-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I sold Bitcoin through Coinbase and their system claimed to have completed the wire deposit to my bank account on the same day, XX/XX/XXXX. The amount total is {$2900.00} after fees. As of submitting this complaint, it is XX/XX/XXXX. I have reached out to them several times trying to get an estimated date of the arrival of my withdrawal. At first I received an automated response telling me that wires would be delayed up to 10 days, which is clearly not true. After the 10 days passed, I reached out to them again and did not even get a reply. They have provided no transparency as to why I can not get my funds from that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: Hi, I have been working with my Servicer and requested to be reviewed for a loan modification. They advised of the instructions to submit and all the documents were provided on XX/XX/17.  When i called yesterday to confirm they received them, they are now telling me they will not review them due to the foreclosure sale date. I advised them that if they would not honor a modification review that they at least consider more time to allow me to qualify for a Reverse Mortgage. They said that they are not willing to do anything to postpone the foreclosure sale date. I just dont understand why they are not willing to help me. I am elderly and have worked very hard to have the home I have today but due to unfortunate set of circumstances my mortgage fell behind. I really need your help to allow me more time, to at least continue to push forward for this Reverse Mortgage. Thank you for your time and consideration.

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 01-04-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: I began meeting with Bank of America 's mortgage loan officer, XXXX XXXX on XXXX XXXX back in XXXX, It has been a constant XXXX calling her and her never returning my calls. She has all my information and the customer service Bank of America gives is absolutely horrible. A common courtesy call saying she can not help me is something I believe you need to teach your customer service. I have also spoken with XXXX the branch manager who promises me I will get a call back but that does not happen. I am very dissatisfied with Bank of America and am sorry they hold my mortgage. I believe XXXX XXXX should realize how these people are representing the company.

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 11-04-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A pervious acquaintance made a purchase from XXXX XXXX on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted XXXX XXXX and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Conventional fixed mortgage) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: On the morning of Tuesday, XXXX XXXX, I received a call from my homeowners insurance company letting me know my annual payment was overdue. This payment should have come from Umpqua Mortgage and was due XXXX XXXX. 

I called Umpqua to find out what had happened. I waited on hold for a long time, than eventually opted for the " get called back without losing your place in the queue '' approach. I finally received the call back at XXXX. The rep I spoke to made no attempt to investigate or solve the problem, merely telling me that she 'd pass my information along. 

On XXXX XXXX, I received a notice of cancellation from my insurance company. I checked on their website to verify that the insurance remained unpaid. It was, so I sent an email to Umpqua via their website. On XXXX XXXX I heard back from XXXX XXXX. Her email stated, in part : " I have taken care of the insurance issue. '' I asked to know what had happened and she said she would send the information in the mail. The premium remained unpaid, however, until I finally paid it myself late in the day on XXXX XXXX. Or maybe I should say I " re-paid '' it, since I had already paid the money to Umpqua as part of my escrow. 

Today, XXXX XXXX, I received a letter from Umpqua stating that they mailed the check on XXXX XXXX. There was no information concerning why they failed to pay prior to XXXX XXXX, why it took two hours to connect to a customer service rep on XXXX XXXX, why my phone call on XXXX XXXX resulted in no action, or how they intend to regain my confidence. As I write this I 'm out the {$640.00} insurance premium twice. I expect to eventually receive a refund of my payment from the insurance company, but in the meantime this has cost me money, time and aggravation. And now I feel like I ca n't trust Umpqua to do their job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, 2017, I filed a complaint against Nationstar Mortgage ( XXXX ). I still had questions and reached out to XXXX XXXX via e-mail on XXXX XXXX, 2017. I also left a message for XXXX XXXX XXXX to call me about my e-mail on XXXX XXXX, 2017 Below is the content of the e-mail I sent. On XXXX XXXX, 2017 at XXXX To : XXXXXXXXXXXX Cc : XXXX XXXX Nationstar Reference Number - XXXX Hello - XXXX XXXX . Ive received the response pertaining to my complaint to CFPB. I called your number because I still have questions, but your phone kept ringing with no voice message option. I have a few questions. I see you are listing the shortage as {$770.00} with an extra monthly payment ( if I chose to go that route ) of {$64.00} more on my mortgage payment. Which would make my payment {$1500.00}, starting in XX/XX/XXXX. When did the shortage start and how much was it? What was factored in to get to the shortage amount? Is the two months of reserves factored into the shortage Why is my payment for XX/XX/XXXX {$1600.00}? My XXXX is due in XX/XX/XXXX. Is Nationstar paying that? Im requesting to be able to pay my city taxes and XXXX. How does that work with the shortage?

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to aquire a loan modification through Wells Fargo. However, the deciding factor is the lien I have against me from the state of California for rear child support. I have spoken with the child support division and the have spoken with their legal team. The legal team has told me, they are willing to temporarily lift the lien so modification can go through. The only documents they have requested from Wells Fargo and or myself is Mature Installments ''. I have completed paperwork 3 or 4 times now only to be tokd by Wells Fargo that I must come current on my child support. It has been very frustrating and disappointing to have had to repeat this process only to get the same result. If the State of California is willing to lift the lien, why is Wells Fargo refusing to provide the necessary documents?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had two student loans from XXXX XXXX which were serviced by Navient. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX. From that point forward, Navient has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. Navient, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By Navient continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with Navient by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, Navient indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, Navient continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue Navient for its willful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with iServe Trust (AZ).
Issue: Application, originator, mortgage broker

Complaint: Summary : iServe locked a rate for us and when interest rates went up they would not honor the 3.875 % locked rate. 
We worked for months with iserve to obtain a refinance on our home. We were not taking money out. In fact, we were putting money in and financing less that the previous loan, which had a balloon payment due XX/XX/XXXX. We started the process in XX/XX/XXXX. We started working with XXXX a " Senior Loan Officer ''. He had some sort of falling out with iserve, and we were restarted in XX/XX/XXXX with a new office and only had contact from a loan assistant, XXXX, for the first 2 months. They claimed they did not have any of the documents I had submitted to XXXX, and the whole process was started again. Despite how slow things were going, at least XXXX would return phone calls and emails when I asked for updates on the process. XXXX also had a problem and left iserve, at which time XXXX, a " Branch Manager '' took over communicating with me. It took until XX/XX/XXXX for them to make any progress, and we finally locked our rate at 3.875 % on XX/XX/XXXX. We were flexible all along with the loan amount. We started out asking for the complete amount owed, about {$250000.00}, but later were told we could qualify for a {$200000.00} loan and we would bring approximately {$50000.00} to the close. They knew I had other available funds and was flexible on how much I could bring to the close. All along I left multiple phone messages and email requests for updates from XXXX. She would go silent on us for weeks on end. She said she had ongoing family problems. Our problem was that everything was moving so slowly, and after the rate was locked I could not get in touch with her for information on the planned late XX/XX/XXXX close. She finally told me by phone that this loan would n't work. I asked if we could qualify for a lower amount. She said she would check on that and get back to me. I was never able to make any contact with her again, not by cell phone, office phone ( no one would answer the office line ), not by text message or email. Interest rates had a big bump up after the early XX/XX/XXXX presidential election and we believe that iServe did not want to honor the rate lock and so refused any contact with us. We had to start the process again with another company. I started the process with the new company in mid XX/XX/XXXX and we closed on our loan with on XX/XX/XXXX at an interest rate of 4.25 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: Approximately 10 montha ago I purchased a Chrysler 200 C. Recently the car has began to completely shut-dowm/stall. This has occurred twice - on the freeway! Most recently, Last Night. XXXX/XXXX/2015 on the XXXX XXXX in the XXXX XXXX XXXX XXXX during rush hour traffic. Several cars nearly crashed into the back of the vehicle and state emergency had to come and remove the car from the freeway. The car has been taken to a dealership and they claim there is nothing wrong with the car. I spoke to Chrysler capital today and they said they would " file a report and I may or may not hear back from them. '' I am terrified of driving this vehicle - it is clearly not safe. I have easily discovered that XXXX other 200 C owners all across the country are experiencing the identical problem including the nonresponse from Chrysler and its dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with ERC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXXI had a XXXX phone belonging to my son and myself. XXXX was very nasty at the time, I ignored them keep from having a XXXX or XXXX XXXX at the time. I sent payments to them for this account, in which they told me they had applied the payments to another account I had with them. I was really angry, so I stopped paying them back in XX/XX/XXXX. It fell off of my credit report with XXXX after 7 years. Then XXXX after 8 years and the limitations were up ( the 7 years ) sold the account to Enhanced Recovery in XX/XX/XXXX. How could they sell the account after it was past 7 years. Anyway, I tried to pay XXXX again, and the cost had increased a lot from what I originally owed them, and that is where we are now, I am told that since they sold this account, Enhanced Recovery can use it as a new date of XX/XX/XXXX. So now its been almost 14 years that this account has been in existence. I would like to know if you can help me at all. I hope you can understand what I am writing, it seem very unfair, if XXXX sold it before the 7 years, I could understand a little better, but it was well after. I am XXXX years old next year, and I ca n't fight this by myself. Thanks and have a great day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: The dispute is with Target Corp. headquartered in Minnesota. They are reporting two 30 day late payments on all three of the credit agencies. I have 3 issues with my interaction with them. 1 ) 1.5 years ago,
I sent a letter explaining what happened with those late 30 day payments. The issue originally stemmed from the fact that at the Target store in XXXX XXXX, I was told I needed to renew my card and I later found out I was issued a new separate credit card. That was not my intention and the cashier misled me, probably in order to receive some type of commission. The second issue was at the same time, Target was switching over to chip reader on my original card. At this time, I had 3 credit cards and did n't know which one actually worked or was useable. The 3rd issue was at the same time, my wife had a XXXX issue that demanded medical attention. Since she handles the bills, the payment was late but she still would not have known which bill to pay as at the time I had 3 credit cards. After sending a letter, I never received a response from Target ... ... .not even to this day. 2 ) 3 months after I initially sent a Ietter and not receiving a response from Target, I later called and spoke to someone in credit reporting. I went through all the reasons as to why it should be removed and 45 days later I received a response saying the credit reporting was correct. My dispute was not that it was incorrect but several things occurred, most of which is Target 's fault, that caused me to be late both times.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, XXXX I made a paid in full settlement with the collection agency for Barclays bank Delaware by paying {$1000.00} as a full settlement for the balance of {$2000.00}. The advised this account will be charged off with a XXXX ( XXXX ) balance. But after that they have not charged off my account with zero balance and also sent me a bank statement dated XXXX XXXX, XXXX with a statement balance of {$2000.00}.

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 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureaus and affecting me negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation