milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I inherited a home from my grandmother after her death on XXXX XXXX, XXXX. She had taken out a reverse mortgage on the home before she passed, but when I notified the company about her passing they told me that I needed to submit paperwork to them. I immediately started the process of giving them whatever they needed from me and then they informed me that I to file the paperwork in court. I did so, and sent them all of the necessary documents at least four times, along with the notice of intent that was mailed to me ; stating that we intended to refinance the home. They never sent us back any correspondence, not even a pay-off request letter but started foreclosure proceeding in XXXX XXXX. I was told this from the law firm that they hired to do the auction sale. I received notice of this on XXXX XXXX, XXXX via certified mail from their attorney stating that the home was going up for auction on XXXX, XXXX at XXXX. That stated that they never received any paperwork from me, but I said that this is not true because if you never received anything from me, then how is it that the attorney that you hired to handle the proceedings knew that I was the executor of my grandmother 's estate? They could not answer this question. Then they went on to say that they could n't speak to me because I 'm not authorized on the account. Lastly, as of XXXX XXXX, XXXX I spoke to XXXX at Reverse Mortgage Solutions, and she said that they received some of the paperwork from me but not all of it. I told her that this is far from the truth and that I had just sent everything over again 3 times. XXXX copy certified, XXXX copy faxed, and the last copy regular mail. She then notified me that they would need a request pay-off letter from me, and a letter of intent, along with a request to stop the sale. I have again complied with everything that they have asked of me, but at this time I feel that they have failed to do what they needed to do to ensure that my grandmother 's home is saved. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Payday loan) with Locate Services LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency is " Location Services LLC '' located in Ohio. On XXXX/XXXX/2015, I spoke with a representative from Location services who claimed that I needed to set up payments for a balance of XXXX that I owe to XXXX. XXXX has gone into my bank account and taken payments on a balance that I owed them from the original loan of XXXX. XXXX even sent a letter to me stating that I only owed them XXXX and if I were to bring that payment in to them that I would be eligible to re-loan with the company. 
When I questioned the representative from Location Services about the balance his reply was " I dont know either '' and he hung up the phone on me after I explained to him that I dont owe that much from XXXX and that they received payments directly from my checking account. To me it seems as though this collection agency is trying to collect funds.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Greetings I have a account with Coinbase, IncAddress : XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXX I went to XXXX and received a email from coinbase that my account was closed because I was in a use sanctioned country so when I come home to XXXX I sent them my passport copy and driving licence as proof I have emailed them numerous time without success They tell me to Follow this link to view the status of your case and add additional comments : XXXX XXXX XXXX the only goes to support not to my case could you please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with First Data Corporation (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have had constant issues with the company Telecheck denying my checks at XXXX and XXXX over this past weekend. XXXX times my check was denied. As has happened before this always happens on a Friday or on the weekend when no one is available at Telecheck to speak with. I called Telecheck today and could not even hear the woman on the other line. When I did ask her why my check was denied she said my bank said I had no funds. Friday was my payday so I had plenty of money. I also called my bank who said they do n't know why or how telecheck would say that. I do n't know where or how this company stays in business or where they get their " information ' on my bank account from. You ca n't get an answer from a person from the company when you finally get through to someone on their complex telephone system.

Company response to consumer: Closed
Consumer complaint received 03/24/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (RI).
Issue: Loan modification,collection,foreclosure

Complaint: This is the second complaint, after the 1st complaint to cfpb CASE # XXXX, My mortgage company Nationstar, lost XX/XX/2015 payment that I sent. So being 2 months behind I tried to make a payment, they rejected saying that I was 4 months late. Yeah, I was 4 months late because they lost XX/XX/2015 's payment. Of course they put the burden on me to find out where it went, they gave me a " fax '' line to a " research department '' to send proof. I sent them a XX/XX/XXXX statement on the XX/XX/2015,. I learned on XX/XX/XXXX they sent out a letter stating that to of no fault of there 's they could n't find anything & closed the case. The letter sent stated that if I had any added proof to send it. I then drove to the bank had them send over a statement and the electronic copy of a check on XX/XX/XXXX. I called on XX/XX/XXXX and they told me they ca n't tell if the research dep. received it or not because they ca n't talk to them, no one can talk to that department I was told. Today is XX/XX/XXXX, & I sent all the info again via fax,, its funny how they want me to send it to a fax #,, I 'm so tired of being helpless,,, I 'm mean really, There trying to force me into foreclosure because of the modification & the complaint to cfpb, when I called to ask why wo n't they accept a payment, they said I have to make a payment resolution or nothing at all,,, meaning I have to pay all 4 payments or they put me into foreclosure. 
How is this fear? I ca n't come up with four payments,, this is totally not fear, and people are losing their homes when they can afford them. I 'm losing my house because they wo n't let me pay them,,, and why is this modification taking so long? These people are making up rules & breaking the law in many cases and no one is looking into this stuff,,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Mortgage (Other type of mortgage) with Ditech Financial LLC (OH).
Issue: Struggling to pay mortgage

Complaint: I was sent a loan modification application by my mortgage servicer, Ditech in XX/XX/XXXX. I promptly completed the application and provided them with all of the request documentation including pay stubs, bank statements, signed tax returns, etc. on XX/XX/XXXX. Ditech assured me that a decision on my loan modification would be made within 30 days. It is nearly XX/XX/XXXX and no decision is made and my foreclosure case continues to proceed in court. I call Ditech weekly and ask for an update on the status of my loan modification application. XXXX XXXX from Ditech is very polite and indicates that the " underwriters '' are still reviewing my application for modification and that they will contact me when a decision has been made. It has been far past the promised 30 day decision turnaround and I am growing increasingly frustrated with the tactics of Ditech.

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 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: CFPB Request a review of the following account XXXX I requested to close this account due to poor customer service. XXXX had a pending credit transaction of {$99.00}. See attached e-mail from XXXX I paid the min due required at that time for the charge of the XXXX to XXXX to protect my credit rating Upon/once XXXX got the credit transaction processed from XXXX XXXX and closing my account as I requested. XXXX than refunded me the min due payment back as well closed the account as I requested. 3 months later after XXXX posted this on my Experian as a late pay for {$99.00}. A week or so later they added interested to the {$99.00} for a total charge of {$110.00}. 
I disputed the prior late pays as well requesting for documentation. So it appears that they now believe or claim that they never received the funds from XXXX. I contacted XXXX on the XX/XX/2016. I spoke with XXXX at XXXX who claims they ( XXXX ) request was made reversing the charge of the {$99.00}. He additionally claims that the transaction C/C shows that XXXX was credited the funds. 
Prior to XXXX reporting this false / incorrect information to Experian they had not or still have not reached out to me in any manner about the said debt ... .after closing the account as well marking the balance as {$0.00}. See XXXX reports most recent or prior reports for Experian and or XXXX. 
I would like to request an audit on my XXXX file providing all documentation regarding this matter/account. 

XXXX XXXX, LA 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 09/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX, and they appear to have sold it to CMRE Financial Services, there are XXXX accounts XXXX that was opened on XX/XX/2016 and the other XX/XX/2016 therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was informed by several lawyers that my Ocwen mortgage should have been part of the lawsuit for fraud and robo signing. I contacted the Illinois attorney general and they attempted to intercede on my behalf. Ocwen wrote back to the attorney general saying that they have found no evidence of robo signing of fraud or deceptive practice. Then the go on to say that they need me to be more specific about my complaint and allegations. That is extremely difficult because my loan has been handled by numerous other fraudulent companies that have since disappeared along with the paper trail required by law. My loan wen from option one to homeward to home servicing and a couple more in between all have ceased to exist since the were squired by Ocwen. I tried to get records and documents from the prior loan companies but no phone number or addy exists for them. Ocwen has carefully snuffed out all means of contact and all means of proving fraud and robo signing. No I 'm in pre for kosher because when I applied for a modification Ocwen granted me one with a higher interest rate and the payment only a few dollars away from the mortgage I could n't afford. I am being told to apply for another modification. Today I received the certified letter about the pre foreclosure even though my representative from XXXX Ocwen told me that would not happen. The pre forclosure letter gives me XXXX days before Ocwen issues a full forclosure. I was assured by the Ocwen rep. that she would call me back on XXXX XXXX to dicuss other options and the new modification. Help

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Auto) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a voicemail saying that they had " received documents with a complaint attached, '' and left an account number and a phone number. The voicemail instructed me to call to find out " the nature of the complaint. '' I called and was immediately confronted by a very rude man, he claimed that he was a process server ant that I was being sued in my county of residence. He had actual information about a real debt, my current address, and he read me my social security number. When he identified the debt, I immediately knew he was lying because the debt was from XX/XX/XXXX. The statute of limitations had clearly expired. When I questioned him he immediately cursed at me and hung up the phone. I called the number back repeatedly, but I was hung up on multiple times when I inquired as to the name, address, and nature of the business. They told me that they were a " firm, '' process servers, mediators, and arbitrators. Eventually, the number I had simple routed my phone to a full voice mail box. I was unable to obtain any information about the company. They claimed to be " XXXX XXXX XXXX, '' but a XXXX search revealed no company doing business under that name. They called from a number in XXXX, WA ( XXXX ) XXXX, and left the number ( XXXX ) XXXX. I recorded a number of conversations with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My insurance company at the time paid the debt owed to a hospital. 

The hospital has not acknowledged the debt paid to whomever is continuing to send out debt collection notices. 

When I told the insurance company, they said it 's the hospital 's fault, they made the payment to the hospital, and even checked it for a third time now. Yet I continue to receive bills/debt collection attempts from the hospital 's XXXX-esque system that they apparently deny any control over. 

I am beginning to think some accounting segment of the hospital is irresponsible or trying to scam people out of twice what they owe for services.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Receivable Performance Management company continues to call my home, cell phone, and now my place of business from several different numbers. When I answer the phone, I get no response. Finally when someone does respond, they wo n't tell me why they are calling me. They continue to call several times a day harassing me and not telling me the reason for the call. They ask me to confirm my name and address. After I have done so, they still wo n't tell me why they are calling. This has been going on too long and each time I block their number, they call from another number. They have called from XXXX, XXXX, and XXXX. I have asked that they stop calling me and they continue to contact me. The address and main number for this company is as following : Receivables Performance ManagementXXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with VANGUARD FUNDING LLC (UT).
Issue: Other service problem

Complaint: I have a brokerage account with XXXX XXXX. The firm is generally quite consumer friendly in most of its activities. However, every time a customer places a trade, they are forced to a screen that attempts to force the customer to accept Electronic Delivery of all documents. I understand this is what the company desires, but their methods are very poor. The screen offers XXXX choices, with the default that this and all future documents be delivered electronically. The second choice is the one I choose, which is this trade confirmation, and all future trade confirmations be sent electronically. The final choice is to send this confirmation by mail. These choices are prudent periodically, but the company forcing this screen every time is not right. It would be easy for the customer to click past accidentally, just once to the default setting that Vanguard desires. And by putting this practice is place for every transaction, Vanguard is willingly disregarding the choice of " and all future transactions '' by forcing the screen on every transaction. 

I have called Vanguard XXXX regarding this screen. Once was several months ago, and they said they had recorded my choice and the screen would not show in the future. However, nothing changed, and it still forced the screen selection on me after every trade. I called again on XXXX XXXX, and spoke with a representative who stated that my choice had been recorded and the screen would not be forced upon me in the future. I made a trade today, and the screen is still mandated by the company. I have no faith in Vanguard making any changes to actually allow the customer choice to be the customer 's choice. I feel that other customer 's are either making an incorrect selection at some point to get to Vanguard 's desired selection, or give up trying to make another selection due to Vanguard 's purposeful repeated asks that just wears them down. I urge the CFPB to research this practice of a financial institution creating purposeful annoyances for customers to try and not have them make an informed decision.

Company response to consumer: Untimely response
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid a while back. At that time I was told that this would not reflect on my credit file. I applied for a home loan pre-qualification today and this came up on my credit report. I have been in the process of rebuilding my credit over that past 2 years. I take my  credit score a nd report very serious. I do not want this from preventing me from getting pre approved for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completedXX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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  XXXX   XXXX ,    2017  I requested Experian to remove unverified accounts listed on my credit report. They stated in writing that my accounts was listed as " verified '' accounts. The following accounts were " reported correctly '' I would like to know where are the documents that Experian used to verify these accounts? What is the name of the individual, their business address, and telephone number. However, Experian sent me a letter dated,  XXXX   XXXX ,  2017 , starting that they refuse to reinvestigate. Please have them remove all unverified accounts, or sent proof of validation.

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