milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was recently sold to LoanCare LLC and my first payment to them is due 5 days from now. I have tried to setup an online account so that I can make my payment on time, but their system tells me my loan number does not exist. I have tried to call customer service but have been unsuccessful in reaching anyone. I left a voicemail which has not been returned. I also submitted an email through their website, which has also not been returned. In short, this company has completely ignored my existence and I am very afraid of what they will end up doing to my credit score due to their incompetence.

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 02/13/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX not reporting accurate information on XXXX credit agencies ... .On XXXX my account it states that the account was opened XX/XX/XXXX but on XXXX and Equifax it states the account was opened XX/XX/XXXX. Last payment on XXXX is dated XX/XX/XXXX but on Equifax report the last payment is dated XX/XX/XXXX. There is no last payment details on XXXX report. XXXX report states that the account was closed XX/XX/XXXX. However there is no information on date closed on XXXX or Equifax report. XXXX report shows " failure to pay '' starting XX/XX/XXXX. However, XXXX and Equifax is showing XXXX 30, 60 or 90 day late payments. I ask them to correct this information and their response was " we are not obligated to provide all of the documentation you requested. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It 's affecting my credit on the purchase of a house.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NH).
Issue: Money was not available when promised

Complaint: I sold ether tokens valued at XXXX dollars total it was suppose to deposit to my account instantantly it did not this was XXXX XXXX i 've called 3 times since its almost the XXXX of XXXX and this has not been resolved because my money was tied up i missed out on a XXXX dollar profit. when you use their email service it removes you from the que and puts you at the back of the line anytime you inquire about the status of your case. they dont give you a timeline for the problem to be resolved and depending on what button you push when you call it may instantly hang up on you

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of 2013, I enlisted in the military. Prior to leaving I selected to pay my bill in full on my online account for Capital One. After I paid it and reduced the balance to {$0.00}, a {$3.00} interest fee was added that was overlooked. This charge went over looked for the time period I was in training and unable to access my phone or the internet. I had an excellent record of paying my bills monthly and on time, usually in full. Now that I am in the military I have a Security Clearance. I keep having to explain why I have a negative hit on my credit report and it jeopardizes my job. I tried contacted Capital One on a yearly basis to have this delinquency removed and I showed them my orders explaining the situation. They refuse. I can understand someone who is delinquent frequently or owes a lot of money. But this was over {$3.00}. And I paid the entire bill off on the Capital One website. The interest was tabulated afterwards. I am filing this complain because 7 years on my credit report is absurd and highly damaging to my career and would like it removed from the credit agencies. Please see all supporting documents. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Medical) with Merchants and Professional Bureau, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: MERCH & PROF C B, XXXX, Tx. has submitted maliciously false information to the XXXX Credit Reporting Agency about my account with XXXX XXXX XXXX of XXXX, Tx.. Stating that I have debts opened in XXXX of XXXX and XXXX of XXXX. I left Texas in XXXX of XXXX, I have not been back. I notified XXXX XXXX of this situation Via Email on XXXX XXXX, XXXX, with no response!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Billing disputes

Complaint: I had a bad experience at a resort and asked American Express to assist me with a dispute. They initially helped but where the situation got stuck was the representative who was assisting me was out of the office for extended period of times and would not return my emails or phone calls. I finally reached her XX/XX/XXXX and she told me she would contact the manager of the resort and get back to me. As of XX/XX/XXXX, I still do not have a return call or an answer to my numerous emails. I finally wrote to the Chairman of American Express and I received a very disturbing letter in return stating, " They did everything they could and they will no longer correspond with me over the issue, and the manager of the resort will not return their calls. '' I have been a customer for over 30 years with American Express and it is a complete disregard for my loyalty that they let this manager, who is so unresponsive, get his wishes and I get stuck with the entire bill. American Express Executive customer service is a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/2015 I have made a money transfer to XXXX through WESTER UNION service for {$120.00} plus XXXX fee charge. Making a total of XXXX using my debit card XXXX XXXX XXXX. 
But them I call them right away to make this transfer to be canceled, they have pomiise meThey will returned my money into my bank account, I wait for my refund that never happened I have make several calls to them they said they are working on this issued Also they said my refund will be on my checking account in XXXX hours .but nothing has been doneSo can you please help me with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I received a letter from Experian stating that they will not reinvestigate items that I have disputed which is against my rights. I am in the process of filing a lawsuit against them for having incorrect information on my credit file. XXXX has already removed the items, along with XXXX. Experian has to do so as well. They have until Friday to remove these items or I will be filing a lawsuit for the full amount due to me because of their refusal to reinvestigate and remove these items. I have attached my intent to sue and the final dispute letter that I have sent them because they are breaking the law. I plan on suing for the full amount due to the full extent of the law. This has been going on for 10 months. Enough is enough.

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 05/30/2017 about Debt collection (Other debt) with ECMC Group, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On   XX/XX/XXXX , I  went to the gas station to fill up a loaner while my car was repaired. Much to my surprise my card was denied.     Another customer told me there 's was also so I assumed it was the gas station and went down the street. The same thing happened but this time I decided to call    XXXX   XXXX   be cause I was in a rough area. Much to my surprise I was told my account had a hold and given a toll free number to call! I called eight times and only reached voicemail - finally I left a message.     The following day I called again - this time I reached a person. I was advised I had a tax debt to the State  of  XXXX    fro m  XX/XX/XXXX ,  XX/XX/XXXX   and  XX/XX/XXXX . Is n 't there a statue of limitations? Do n't they need to advise me?     Not to mention I live in  XXXX  now.     The representative asked me how much was on hold and where I banked. Assuming they already knew, I gave her the information. The representative told me the only way she could release the hold was if I paid in full by credit card.     I tried to reason with the representative and explain the hardship - that coincidentally my lights were cut off and I was already experiencing financial hardship after the death of my mother. Can I make payments? No.     Regardless, that they took every dime I own.     I hung up the phone and called my bank as well as the State to no avail. While I spoke to the bank, I pulled up my bank account and noticed a debit for {$1200.00}. While I was asking for an arrangement the representative processed a debit!     Surely, this can not be legal!     To  imagine the State of    XXXX   allows malicious collection activities at the discretion of  Premiere Credit!      I can not explain the hardship this has caused - currently I am unable to pay m y  XX/XX/XXXX  re nt, I borrowed a payday loan in order to restore my electric, my car payment was past due ( fortunately they deferred my payment ) and my car insurance is due. I attempted to prevent my next check from being direct deposited but it appear s it may not have  been processed - so they will consume another {$1500.00}!     I just received a notice from  XXXX  about the hold/levy o n  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 01/25/2017 about Debt collection (Medical) with Performant Financial Corporation (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A woman named XXXX from Performant Recovery ( XXXX XXXX XXXX XXXX, OR XXXX ) is calling my XXXX mom to get information on me. I have already informed them that I will take care of the debt once I can. They told her that I gave them permission to call her. I have never put my mom 's contact info on any of my doctor 's forms or student loans. They keep calling her repeatedly.

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 04/23/2016 about Bank account or service (Other bank product/service) with Shellpoint Partners, LLC (MI).
Issue: Account opening, closing, or management

Complaint: I have asked Shellpoint to forward my Mortgage note four times to XXXX XXXX and they have lied all four times. They impleading my refinancing to lower interest loan. I have three way calling recorded of their lies. And because of their using this by standing in the way stalling I could lose the refinancing to lower payments. Its not fair.

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 06-07-2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (GA).
Issue: Managing the loan or lease

Complaint: Me and my husband have a vehicle financed through United Auto Credit Corporation. On XXXX/XXXX/16, I spoked with someone in account recovery and they decided to give us an extension on our payment until XXXX/XXXX/16. Last week I received a call about a payment. I explained to the representative that I had an extension and my payment is not due until XXXX/XXXX/16. He asked me did I have the documents and I read the extension to him. He told me that he was sorry about the call and to just make sure I made the payment on XXXX/XXXX/16. 
Someone called my husband and told him that if a payment is not made, they will come and get the vehicle. Today XXXX/XXXX/16, I got a call from another rep.I explained to him about the Extension.He told me that it was a mistake. I told him that from XXXX/XXXX/16 - XXXX/XXXX/16, they 're just now calling me and want to say it was a mistake.That mistake should have been caught the same day. He started getting smart with me and telling me what I am going to do, so I asked him for his XXXX repeated my name.I said to him again what was his name, and he said XXXX.I asked what was his last name and he said I will not be getting it.I told him to hold on and got XXXX of my co-workers phone to use the recording. When I got on the phone, I recorded the rest of the conversation. I should not be harassed when there was an agreement in place.I e-signed the documents like I was asked on XXXX/XXXX/16. My husband said he told them that he 'll make the payment Friday because they told him that if he does not pay that they will pick up the vehicle.I 'm attaching the Extension agreement that was sent via email that I had to e-sign. I am also sending the recorded conversation of the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Hello, I have signed up for a Citibank promotion to recieve XXXX XXXX miles for opening a Citigold account and fulfill their requirements. After doing so and receiving confirmation twice from Citibank, they refused to honor their promotion and I have not received my promotional miles. This is false advertising and dishonorable practice to the consumer who legally fulfilled everything they asked. I have documentation of everything.

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 09-07-2017 about Payday loan, title loan, or personal loan (Pawn loan) with TMX Finance LLC (GA).
Issue: Property was sold

Complaint: XXXX XXXX sold my XXXX XXXX XXXX without informing me of a sale date. They told me that they did not have to tell me who they sold the car to. I know that this is illegal. By law Inwas supposed to be given first choose to but the car. I want to rescind the loan and get my car back from the person they sold the car to.Title XXXX are crooks and they need to be exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Last fall my social security account was compromised. Nation Star Mortgage keeps calling me telling me I have an account with them. Which I do not. My credit report is excellent ... no breaches have been detected. I hesitate to give them my last XXXX digits of my social security number to inquire about this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Consumer Loan (Installment loan) with RFNA, LP (MS).
Issue: Problems when you are unable to pay

Complaint: I lost my job so I was unable to make payments on a Republic Finance loan. They obtained a judgment against me and cleared XXXX my bank accounts. They have sent me an offer letter and I have accepted, twice. The first acceptance letter I sent was by regular mail and the second was by certified mail. They have yet to respond to either ; however, they do continue to update my credit report negatively. I just want to settle this debt before damaging my credit further.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: APR or interest rate

Complaint: Signed up with Capital One Venture card with a limit of {$25000.00} for the fact they were offering 12 months no interest. I have been accumulating interest on the account prior to the 12 months. Spoke with numerous representatives at Capital One to resolve the issue. Have been told several times that I would be contacted back after further investigation into the account. I have still not received any calls, besides to collect payment which I am no longer interested in making until the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Payment for transaction XXXX / {$100.00} for bitcoin was made on theXX/XX/XXXX/17 and it still sitting in pending. I have tried to contact and email support on multiple occasions and received no response. Coinbase case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This company said they would remove the false account from my credit report,,, they did not do it

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 03-04-2016 about Debt collection (Credit card) with CITIBANK, N.A. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a new home phone number XX/XX/XXXX. Since then I have been receiving calls from Macy 's Credit Operations concerning a person named XXXX XXXX. I have told them each time that there is no XXXX XXXX at this phone number, but they continued calling. Finally, I decided to write down the date and phone number of each call. They are as follows : XXXX XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, 2016 I received an alert from XXXX stating that a new collection account was added to all XXXX of my credit bureau credit reports. I saw the name of the collection agency and I never received anything from stating that they were collecting anything. And also they are collecting for XXXX and I never had XXXX. If they would have communicated with me I would have been able to dispute the collection and send them the police reports and FTC affidavit. I have been victim of identity theft and this is another account that is part of it. I have attached my police report and FTC affidavit which includes Convergent Outsourcing

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Other mortgage) with SN SERVICING CORPORATION (FL).
Issue: Settlement process and costs

Complaint: US Bank Lost all the Deeds and mortgage documents, Then miraculously they found them. From that moment on Witness came forward under oath clearly showing that the Notary signature and his seals were fake and forgery 's. Then The original witness came forward under oath stating the same thing. US Bank has no standing whatsoever and the Loan has been rescinded by us in a timely manner without being responded to within the 20 day rule. Because the contract was never consummated making it makes any past judgment Void. XXXX XXXX XXXX attorney for XXXX and US Bank Knows that they are committing a criminal act Plus they have consistently violated the OOC Cease and Desist Order. We believe XXXX XXXX has been the primary person involved in sending these falsified document across state lines and may have violated RICO laws in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Someone else is trying to be me n using my info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have been contacted by a very rude, harrassing and disrespectful lady from these phone numbers XXXX and XXXX at least 6 times today. She has left me very threatening and serious voice messages on my cell phone and on my work phone. I work for a XXXX XXXX and she is threatening to contact Human Resources to have my wages garnished. She also threatened to take police action against me, take me to court, have me served in public, contact my neighbors and my family members. All I asked her for was a validation notice for this " debt '' from 2011 and she has gone out of her way to threaten me. I was in the process of giving her my email address so that she could send me the validation notice and she did n't like that I was spelling out my name for her. She has called me at work requesting the fax number of Human Resources. And then she left another voice message pretending to be talking to someone on the other line saying " yeah at least now we know where she works. '' I will be informing the XXXX PD at the XXXX where I work so that they can be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Other type of mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Struggling to pay mortgage

Complaint: I was approved to do a short sale on my home by XXXX XXXX due to loss of income. 
The house was listed on X/X/2017 at the sales price of {$590000.00} From the beginning of this process XXXX XXXX has made it difficult to deal with. Attached are offers we received on the house all were denied by the Bank. 
The listing was cancelled on XX/XX/XXXX and put back in to foreclosure. 

During that time the listing agent has received 5 more offers, the last offer we received was in the amount of {$560000.00} cash which XXXX XXXX denied.

Company response to consumer: Closed with explanation